KR100737640B1 - System and Method for Secured Call Management Service - Google Patents

Abstract

A security call transaction management system and method for managing transaction confirmation, collateral setting, fund settlement, collateral management (daily settlement), repayment and default processing after the conclusion of a secured call transaction by type on a wired / wireless internet-based collateral call transaction management system are disclosed. do. The collateral call transaction management system, at least one lender terminal and borrower terminal for performing input and output of the loan-related information; Intermediary company terminal for transmitting and receiving mediation-related data of the collateral call transaction with the rental terminal and the borrower terminal; After the specific collateral call transaction is concluded and the borrower provides the collateral, the collateral is established and terminated, and the collateral is given additional or insufficient collateral under the daily settlement of the collateral, or the surplus collateral is terminated. A deposit account processing unit for processing and a payment account processing unit for depositing and withdrawing payment processing collateral call funds; After the conclusion of the transaction on the collateral call transaction, after applying the valuation ratio by the security securities, the resultant data of the daily settlement, which is calculated by comparing the price of the collateral call principle principal (principal + past interest) and the collateral price, at the time of opening the rental terminal And notify to the borrower terminal, and automatically calculate the necessary collateral amount to be provided by the borrower when setting up the borrower's collateral and send it to the borrower's terminal to notify the borrower terminal, thereby inducing the borrower to withdraw the collateral and setting up the collateral The collateral call management server 400, wherein the lender terminal, the borrower terminal, the brokerage terminal, the deposit account processing unit, the payment account processing unit and the collateral call management server are connected to each other via a wired or wireless communication network.

Securities, Collateral Loans, Collateral, Collateral Holders, Participants

Description

Collateral call transaction management system and its method {System and Method for Secured Call Management Service}

1 is a block diagram showing a security call transaction management system according to an embodiment of the present invention.

Figure 2a and 2b is a view for explaining the method performed in the case of the initial payment of the security call transaction management method according to the present invention, Figure 2a is a collateral call transaction process of the general participant, Figure 2b is a collateral of the indirect participant This shows the call transaction process.

Figure 3 shows the details of the conclusion of the new and rolled-over transactions transmitted to the lender and the borrower terminal through the mortgage call management server according to the predetermined professional style (seed number, participant information, transaction conditions, payment method, etc.). There is also a web page displaying the history of cancellations.

4 is a web page showing a process of inputting a new fastening history according to the present invention.

5 is a web page illustrating a process of inputting a rollover history according to the present invention.

6 is a web page diagram providing details for a transaction party to confirm and reject a collateral call transaction details according to the present invention.

7 is a web page illustrating a payment approval process in a collateral call transaction process of an indirect participant.

8 is a view for explaining a method performed in the case of repayment settlement of the security call transaction management method according to the present invention.

9A to 9C are diagrams for explaining a method performed in the case of a rollover payment in a security call transaction management method according to the present invention;

9A is a diagram illustrating a security call transaction process of a general participant,

9b is a diagram illustrating a collateral call transaction process of an indirect participant;

9C is a diagram illustrating a security call transaction process of a three-way rollover.

* Explanation of Codes on Major Parts of Drawings *

100: lender terminal

150: fund settlement account processing unit

200: borrower terminal

250: deposit account processing unit

300: broker terminal

400: collateral call management server

The present invention relates to a security call transaction management system and a method thereof, and more particularly, after confirming a type of security call transaction by type on a wired / wireless internet-based security call transaction management system, confirming a transaction, setting a security, making a payment, and managing a security (daily settlement). ), And a collateral call transaction management system for managing repayment and default.

A collateral call transaction refers to a loan that is borrowed or loaned in a short term between financial institutions with securities, etc., and refers to collateralized money consumption loan transactions. In such collateral call transactions, borrowers can not only secure urgent liquidity procurement means through collateral call transactions, but also create additional sources of profit through arbitrage trading using interest rate differences between markets, and lenders can obtain certain interest income. In addition, by obtaining a security right, a stronger repayment guarantee can be obtained than in a credit call transaction.

Meanwhile, collateral call transaction participants may be classified into four categories as follows.

1. Call Money: A financial institution that provides collateral and borrows money. Securities companies, branches of foreign banks, capitals and mutual savings banks are the main borrowers.

2. Call Loan: The institutions that supply the call market are mainly asset management companies, investment trust management companies, banks, mutual savings banks and insurance companies.

3. Money Broker: A professional brokerage agency that brokers collateral call transactions between financial institutions. Currently, Korea Fund Brokerage and Seoul Foreign Exchange Brokerage are in charge of brokerage.

4. Mortgage call transaction management agency: The Securities Depository & Securities Securities Depository Institute is in charge of all transactions after confirmation of collateral call transactions, settlement and collateral management.

In order to perform reliable collateral call transactions among the participants, lenders can not only obtain a certain interest income, but also secure a strong repayment performance guarantee means, and borrowers can secure emergency liquidity through collateral call transactions. In addition, it should be able to generate additional revenue sources by arbitrage using interest rate differences between markets.

As such, mortgage loan transactions go through a wide variety of procedures, such as transaction verification, loan settlement, collateral management, and default processing between lenders and borrowers, increasing the need for a system that can efficiently concentrate and manage them.

An object of the present invention is a security call transaction management that manages transaction confirmation, collateral setting, fund settlement, collateral management (daily settlement), repayment and default processing after the conclusion of a security call transaction by type on a wired / wireless internet-based security call transaction management system. It is to provide a system and a method thereof.

In order to achieve the above object, the collateral call transaction management system according to an embodiment, at least one or more lenders and borrowers, intermediary company terminal for transmitting and receiving mediation-related data of the collateral call transaction between financial institutions, a specific collateral call transaction is concluded After the borrower provides the collateral, a depository account processor and collateral are set up to perform additional pledgement and erasure of the pledged and erased collateral for the collateral and the excess or deficiency of the collateral according to the daily settlement of the collateral. In the collateral call transaction management system comprising a fund settlement account processing unit for depositing and withdrawing collateral call transaction amount between borrowers,

Regarding collateral call transactions, after the conclusion of the transaction and the initial settlement, the collateral ratio of each borrower is applied and the collateral call transaction price and the price of the collateral are compared and evaluated. It is characterized by including a collateral call management server that induces the additional collateral setting of the borrower for collateral overcapacity by automatically calculating and notifying the required collateral amount to be provided by the borrower when the borrower provides the oversight (margin call) of the collateral provided by the borrower. .

On the other hand, the collateral call transaction management method according to an embodiment of the present invention, in the collateral call transaction method, (A) inputs a predetermined transaction conditions from the terminal of the brokerage company for the purpose of the collateral call transaction and transmitted to the collateral call management server After confirming the transaction at the lender and the borrower terminal; (B) determining whether the security is sufficient in the security call management server for the security input through the borrower terminal when the conclusion of the security call transaction is confirmed; (C) As a result of the determination of step (B), if the collateral of the borrower is satisfied, the collateral call transaction amount is transferred from the lender to the borrower through the lender and the borrower's fund settlement account processing unit and provided to the borrower's deposit account processing unit as collateral. Pleading securities, informing the borrower that the collateral is insufficient if the collateral of the borrower is insufficient, and terminating the collateral call transaction if the collateral is not satisfied by the end of the day; And (D) terminating the collateral call transaction by repayment or the like and ending the pledge of the collateral which is pledged to the borrower's deposit account processing unit at the same time as the termination.

Hereinafter, with reference to the accompanying drawings and preferred embodiments will be described in detail the present invention. Like reference numerals refer to like or similar elements throughout the drawings.

1 is a block diagram showing a security call transaction management system according to an embodiment of the present invention.

As shown here, the system includes at least one lender terminal (100); At least one borrower terminal 200; Brokerage company terminal 300; Collateral call management server 400; Fund settlement account processing unit 150; And a deposit account processor 250.

The lender terminal 100 and the borrower terminal 200, the security call transaction details and the price of the collateral to be compared and evaluated from the collateral call management server 300 to be described later, and the result of the daily settlement (for example, , The processing request information due to the lack of collateral, etc.) is received through the communication network on the business start date and output to the screen to notify the borrower and the lender. In addition, the borrower terminal 200 receives the data on the collateral, that is, the type of collateral, item, and the amount of collateral, etc., the lender terminal 100 inputs the response-related data for the replacement and termination of the security requested from the borrower, respectively Receive.

The broker company terminal (Money Broker) 300 transmits and receives the intermediary-related data of the security call transaction between the financial institutions and the security call management server.

In addition, it will be understood that the lender terminal 100 and the borrower terminal 200 may use various desktops, laptops, wireless communication client computers, etc., which can be connected to the system via the Internet in addition to the general personal computer. In addition, the borrower and the lender's terminal outputs a web / wap page provided from the system so that the borrower and the lender can view the web / wap browser or a mortgage call transaction related program such as collateral setting / deletion.

In addition, the borrower and the borrower can query and confirm the various information processed in the system through the terminal, and transmit the data input for the security set / erase to the collateral call management server 400. In this case, the items that can be input through the terminal may include a user ID (ID), a password (PASSWORD), the unique number of the depositor's deposit account, etc. Etc. can be entered.

In this case, the lender becomes a security right after a certain collateral call transaction is concluded and the borrower (the security setter) provides the security.

In addition, the lender who has become the secured creditor may arbitrarily dispose of the collateral if the borrower fails to repay the funds for the collateral call transaction or fails to meet the necessary collateral, details of the collateral disposal shall be determined by the lender and the borrower, Matters relating to collateral management may be delegated to a collateral call transaction management institution (eg, Securities Depository).

The borrower's deposit account processing unit 250 executes pledge and erasure processing on the collateral after the particular collateral call transaction is concluded and the borrower provides the collateral, and also collaterals according to the daily settlement result of the specific collateral call transaction. Poverty setting and erasure processing of additional collateral for the excess or shortage is performed, and the fund settlement account processing unit 150 performs the deposit and withdrawal processing of borrowers and lenders on the call funds and the interest due to the initiation and repayment of collateral call transactions.

The mortgage call management server 400 compares and evaluates the price of the call principal (call principal + elapsed interest) and the value of the collateral after applying the collateral ratio for each collateral call transaction after the conclusion of the transaction and the initial settlement for the collateral call transaction. The result of the daily settlement is notified to the participant's terminal at the same time as the opening day of the business every day, and the borrower is automatically calculated and notified of the necessary amount of collateral to be additionally provided by the borrower in the event of overstress of the collateral. Induce. At this time, the mortgage valuation is settled daily at the market standard price, which is updated every day, and when the result of the daily settlement is less than the collateral value less than the collateral value, a margin call occurs, and when the margin call occurs, the collateral call management server 400 The borrower shall be notified of this, and the borrower shall be required to set up additional collateral up to the required collateral, or failure to do so may result in default. However, it is possible to postpone the margin call once a day with the consent of the lender.

In addition, the collateral call management server 400, if the borrower fails to repay the collateral call transaction or does not meet the required collateral due to the lack of collateral, or if the borrower fails to meet the collateral exchange request of the collateral call transaction brokerage agency The borrower terminal 200 notifies the borrower terminal 200 of the result of the default processing of the collateral arbitrarily performed by the collateral call transaction management agency according to the collateral call transaction agreement. In addition, the collateral call management server 400, by receiving a request for the replacement of the collateral by the borrower to determine the appropriateness of the new collateral or after receiving the response message of the collateral holder, the setting process of the new collateral to be replaced and the existing collateral After the expiration processing of the loan, the result is notified to the borrower terminal 200 and the lender terminal 100, and after determining whether the required collateral value according to the request message for the termination of the collateral by the borrower is appropriate, In the case of collateral, the borrower's deposit account processing unit erases the pledge and, in the case of cash collateral, deposits the loan to the borrower's designated bank and notifies each of the borrower terminals 200.

In addition, the collateral call management server 400 may perform a collateral pool designation function that recognizes the collateral selection right of the lender, and when the collateral call transaction is concluded, the collateral pool designation message according to the agreement between both the lender and the borrower is traded. The borrower receives the condition and informs the borrower how to set up the collateral based on whether the collateral is designated. For example, if a collateral is not designated, the borrower is notified of the message that all collateral-qualified securities can be secured, and if a collateral is designated, the borrower is presented with the securities belonging to the collateral. Notify that only collateral should be set.

The collateral call management server 400 is a standardized operation that can quickly and accurately process the data necessary for the collateral call transaction (collateral security loan transaction) end-to-end from the source to the destination (end-to-end) As a system and automated business processing device, the data is obtained from the original creator, which ensures accuracy and seamlessly processes the transmission, thereby eliminating data repetition, re-entry and process inefficiency, and In the short-term loans transactions, such as increased transaction volume and complexity of collateral management in collateralized transactions, and credit risks and transaction costs due to collateral management, which are increased due to the limitation of short-term fund transactions of small and medium-sized financial institutions due to credit limit, After the collateral call transaction is concluded, each of the collaterals to the lender terminal 100 and the borrower terminal 200 through the communication network Notify of details of settlement / deletion, call funds transaction and settlement.

The security call transaction management method of the security call transaction management system according to the present invention configured as described above will be described in more detail with reference to FIG. 2. In addition, there are three types of management of collateral call transactions: initiation payment, repayment settlement, and rollover payment, depending on the fund settlement method. Therefore, the security call transaction process performed according to each payment method will be described in detail below.

Figure 2a and 2b is a view for explaining the method performed in the case of the initial payment of the collateral call transaction settlement method according to the present invention, Figure 2a is a collateral call transaction process of the general participant, Figure 2b This shows the collateral call transaction process.

First, the security call transaction process of the general participant illustrated in FIG. 2A will be described.

The intermediary company receives the agreed transaction conditions of both parties according to the conclusion of the collateral call transaction from the lender and the borrower, inputs it as data, and transmits the concluded details together with the conclusion number to the collateral call transaction management system. Subsequently, the collateral call management server 400 of the collateral call transaction management system transmits the execution details transmitted from the intermediary company to the participants (loans and borrowers). At this time, the lender and the borrower will check the security call transaction history through each terminal (100, 200).

When the transaction confirmation is made, the collateral call management server 400 assigns a collateral call number, which is a collateral call transaction management number, for each transaction and at the same time payment data (for example, settlement schedule, lack of collateral) and You will create a fee breakdown.

Subsequently, the collateral call management server 400 changes the state value of the collateral call number display and the transaction confirmation item at the time of transaction confirmation completion on the transaction progress status screens of the lender and borrower terminals 100 and 200. To display. At this time, the confirmed transaction can be canceled by the two parties select confirmation of the check box for the cancellation message sent by the broker terminal 300 after both parties (for example, the lender and the borrower) agreed.

Hereinafter, the transaction conclusion process transmission and transaction confirmation process of both parties will be described in detail with reference to FIGS. 3 to 6.

Figure 3 shows the execution history of the new and rollover (role number, participant information, transaction conditions, payment method, etc.) transmitted by the brokerage company to the mortgage call management server through the broker terminal according to a predetermined professional style; As shown in this figure, the new transaction is displayed as 'new' in the transaction type column on the right side of the screen, and the rolled over transaction is displayed as 'rollover'. Can be.

In addition, by placing a mouse cursor on the rollover history of the rollover transaction and clicking the right button, it is possible to search the original transaction details.

Normal transactions are marked as' normal 'in the status column, and canceled transactions are marked as' cancellation', and the cancellation of transactions before the participants' confirmation of the transaction is possible only by sending the cancellation company's cancellation. It is possible to send a cancellation message and confirm the cancellation by both parties. In addition, a transaction marked as "canceled" includes a transaction canceled before and after confirmation, and a transaction canceled after confirmation is displayed as "cancelled" on two screens, such as execution details and transaction confirmation.

On the other hand, if there is an error in the leased line between the brokerage firm and the collateral call management server, the conclusion of the new transaction or the rollover (rollover) transaction can be manually input.

Clicking the New fastening button at the bottom right of the fastening details screen opens the new fastening manual entry window, and clicking the Rollover details button opens the manual entry of the rollover fastening history.

4 is a web page showing a manual input window of the new fastening details according to the present invention.

As shown in the figure, when a new contract is received from a participant or an intermediary through wired / wireless communication or through a communication means such as a fax, the intermediary or collateral call transaction management agency receives the contract and inputs it manually. Done. At this time, if the lender is an indirect property participant, the lender's consignment account number and the lender's BOK number (Bank account number) must match.In order to select the designated bank as the settlement bank, the account of the designated bank must be Must be registered at

In addition, in the case of trading brokerage, all the brokerages except 1: 1 trading brokerage have the same collateral ratio and the lower collateral ratio, but even if they are differently entered, they are unified as collateral ratio.

If you want to cancel the transaction entered manually, enter the brokerage company and the contract number in the manual input window, select 'Cancel' of the treatment category, click the OK button, and the collateral must be entered in lowercase. Preferably, it may be used to lower case a ~ z and may be used to distinguish between upper and lower case in case of collateral increase.

5 is a web page showing a manual input window of a rollover history according to the present invention.

As shown in the figure, a new lender is input as a borrower code when a three-way rollover is performed, and when a rollover is performed, a separate payment selection is not possible in a payment method.

On the other hand, the initial settlement bank and the differential settlement bank of a new transaction can be designated differently, and the BOK number of the original lender must be the difference regardless of which institution the new initial settlement bank and the differential settlement bank are determined at the time of the three-party rollover. The payment lender must be entered in the same manner as the BOK institution code.

In addition, when the initial settlement bank of a new transaction is selected as the BOK and the differential settlement bank is designated as the designated bank, the BOK number of the original lender is required to transfer the principal to the original lender, and both the initial settlement bank and the differential settlement bank are BOK. If selected, the lender's BOK number and the BOK institutional code of the difference settlement lender must match to prevent the difference between the call principal and interest interest account.

On the other hand, as described below, the output form of the new transaction and the output form of the rollover transaction are different, and thus the output is not possible when the transaction type is selected as a whole.

1. Output related to new transaction: Output after selecting transaction type as 'New'

-Collateral call transaction details: List of transaction details by participant during the inquiry period

-Notice of conclusion of collateral call transaction: Details of each transaction (same as the notice of execution received from the brokerage firm)

2. Rollover related output: Select 'Translation' as the transaction type

-Rollover history of collateral call transaction: List of rollover history by participant during the inquiry period

-Collateral call transaction Rollover notice: Rollover details for each transaction

Figure 6 is a web page that provides details to enable the transaction party to enter the confirmation and rejection of the security call transaction details in accordance with the present invention.

As shown in the figure, after checking the adequacy of the transaction conditions, etc., the transaction party not only confirms or rejects the conclusion of the transaction but also cancels the confirmed transaction when there is an agreement between the transaction parties.

At this time, if you want to cancel the transaction confirmed by both parties, the status value of the column on the right side of the screen is displayed as 'Cancel' upon receipt of the cancellation message from the intermediary company, and the transaction details and the transaction confirmation screen are canceled when both parties confirm. Is displayed.

On the other hand, in the transaction type column on the right side of the screen, a mouse cursor is placed on the transaction details of a transaction whose rollover is a rollover, and the right mouse button is clicked to view the original transaction details.

Only when both parties have confirmed the status above, the status value of the 'Transaction Confirmation' item on the Transaction Confirmation and Transaction Progress screen is displayed as 'OK'. When the 'rejected' state is maintained. In addition, if one or both of the parties refuses to confirm the transaction, the status value of the transaction progress status is displayed as 'rejected'.

At the time of input, the participant first confirms the transaction conditions, selects 'OK' in the combo box in the selection column on the right side of the screen, clicks the OK button on the lower right side, and when both parties confirm, the master value and the status of the transaction progress are displayed. Is changed to 'OK'.

On the other hand, if the trade terms are not appropriate or you want to change the terms, select 'Deny' from the combo box on the right column of the screen and click the OK button on the bottom right.

If both parties want to cancel the transaction, the participant requests to cancel the transaction with the broker, and the broker sends the cancellation message to the collateral call transaction management agency. The status value of the column of the column is marked as 'Cancel', and both sides of the transaction select 'OK' from the combo box of the selection column and enter the cancel confirmation to cancel the transaction and delete the details from the transaction progress.

On the other hand, as shown below, the output form of the new transaction and the output form of the rollover transaction are different, and thus the output is not possible when the transaction type is selected as a whole.

1. Output related to new transaction: Select 'New' as the transaction type and print it.

-Confirmation of collateral call transaction: List of transaction confirmation by participant during inquiry period

－ Mortgage call transaction confirmation: Details of transaction confirmation for each collateral call number

2. Rollover related output: Select the transaction type as 'Rollover' and print it out.

－ Rollover confirmation of collateral call transaction: List of rollover confirmation for each participant during the inquiry period.

-Collateral call transaction-Rollover confirmation: Rollover confirmation for each collateral call number

After the transaction confirmation process and the transaction confirmation process of both parties through the transaction through Fig. 3 to 6, the collateral management server 300 determines whether the borrower's collateral is sufficient at a certain time or on a daily basis. In this case, eligible borrowers may be provided with listed and KOSDAQ-listed stocks, designated bonds, indirect investment securities, corporate papers, cash, and the like. Mortgage fees must be paid.

In addition, each valuation rate for the security target is set according to the valuation rate for each security target secured by the collateral call transaction management agency.

The collateral call management server 400 checks the collateral until a certain point (after the conclusion of the day's work) after the collateral call transaction is established, and ends the collateral call transaction if the collateral provided by the borrower is not more than the required collateral amount. Let's do it. If the collateral provided by the borrower is sufficient (secured setting is completed), a conditional transfer instruction is automatically sent to the BOK (Bank of Korea) so that the lender can specify the collateral of the fund settlement account processing unit 250 (collateral call transaction management agency). The funds are deposited into the account and the mortgage call funds are immediately transferred to the borrower account. Here, once the security is set, it cannot be canceled and the security can be changed through the mortgage cancellation or the security substitute after the initial payment.

In addition, when the collateral is set as collateral, after the confirmation of the deposit of the security collateral in the financial accounting department of the collateral call transaction management agency is reflected to the cash collateral management unit of the collateral call management server 300, the lender is the security right holder, borrowers set the security right When the security is set, the security setting item status value of the transaction progress status is changed from 'not set' to 'set'.

On the other hand, when evaluating, managing and notifying the value of collateral during daily settlement, not at a certain point in time, the following description will be given.

The collateral call management server 400 previously stores the collateral setting target and a predetermined evaluation ratio in a database, calculates the collateral value daily, and determines whether there is an oversufficiency of the collateral based on the daily settlement result. As a result of the determination of the step, if the collateral value according to the daily settlement does not reach the lower collateral value, a margin call is generated and requested by the borrower terminal 200 to provide additional collateral to the borrower terminal. When the collateral value exceeds the required collateral value, the borrower is notified of the extra collateral through the borrower terminal 200 so that the borrower can withdraw (delete) the collateral.

In this case, the collateral value is calculated based on the amount of collateral for the collateral valuation rate, the required collateral is calculated as the collateral ratio (transaction amount + elapsed interest corresponding to the elapsed date), and the lower limit collateral is the call principle (transaction amount + elapsed date). Elapsed interest corresponding to) is calculated as the lower collateral ratio.

To sum up, the collateral call management server 400 calculates the collateral value and the required collateral value and the lower limit collateral value by reflecting the price of the collateral changed on the previous day, and compares the collateral value and the required collateral value or the lower limit collateral, surplus / undersufficiency of the collateral. The borrower shall be notified of the details at the beginning of each business day. In the event of a shortage of collateral, the borrower shall provide additional shortfalls beyond the required collateral within the opening hours of the day.

Thereafter, payment of the call fund for the collateral call transaction is made, and all the settlement of the collateral call transaction is made through the checking account of the collateral call transaction management institution.

If the settlement bank is BOK, the conditional transfer order is automatically sent to BOK when the security is set up and transferred to the borrower's account as soon as the lender deposits the funds in the collateral call transaction manager's account. Funds cannot be transferred to the borrower's account until collateral is established.

If the settlement bank is a designated bank other than BOK, the borrower can deposit regardless of the collateral setting, so the collateral call transaction management institution confirms the collateral setting and then key-in and transfers the funds.

On the other hand, after the initial payment is completed, the changes are reflected in the pledged account, and the settlement of settlement schedule, settlement completion and repayment settlement schedule are generated.

When the payment is completed, the status value of the open payment item of the transaction progress is changed from 'not settled' to 'settled'.

Although omitted in the above embodiment, the security call management system connection will be described as follows.

When the lender and the borrower request the authentication by accessing the collateral call transaction management system through the lender terminal 100 and the borrower terminal 200, the personal information and the user related information are stored in a predetermined database. The said system responds to the authentication request of the said lender and borrower. At this time, the system can of course perform the authentication request to the user through a public certificate known in the art.

In the security call transaction management method according to the following repayment payment and rollover payment, the authentication process as described above is required at the time of accessing the system, and a description thereof will be omitted.

Meanwhile, the collateral call transaction process of the indirect property participant illustrated in FIG. 2B will be described.

As shown here, in the above transaction, the lender is the operating company, that is, the transaction between the operating company and the borrower. In the transaction, only the collateral call number is assigned after the transaction is confirmed and payment data are not generated. Payment data are generated according to the approval of the institution's payment.

Then, at the completion of payment approval, the status value of the payment approval item of the transaction progress status is changed from 'unapproved' to 'approved'.

According to the borrower's collateral setting, the collateral call transaction and collateral setting and the subsequent process are the same, except that the trustee becomes the security right, the borrower becomes the security right, and the subject of the settlement is the trustee, not the lender. . However, collaterals pledged by the trustees during business hours will be distributed according to the loan amount of each fund according to the management details of the funds sent by the management company after the termination of the business.

Hereinafter, the payment approval process will be described in more detail.

7 is a web page illustrating a payment approval process in a collateral call transaction process of an indirect property participant.

As shown in the figure, in a collateral call transaction in which an indirect property participant is a lender, a screen for accepting or rejecting a settlement after a confirmation of a transaction between a manager and a borrower is displayed.

In the case of a rolled-over transaction, the “rollover” division value is displayed in the transaction type column on the right side of the screen, and the original transaction details can be inquired by placing the cursor in the transaction history and clicking the right mouse button.

Thereafter, the status value of the transaction progress payment approval item is changed from 'unapproved' to 'approved' according to the settlement approval of the trustee, and when rejected, the status value is displayed as 'deny'.

If the consignment agency confirms the transaction conditions and matches the operation instructions of the manager, it selects 'Approval' from the combo box in the check box on the right side of the screen and clicks the OK button at the bottom right.

However, if the trade condition is not appropriate, select 'Deny' from the combo box of the right check box and click the OK button on the bottom right.

On the other hand, as described below, the output form of the new transaction and the output form of the rolled-over transaction are different, and thus the output is not possible when the transaction type is selected as a whole.

1. Output related to new transaction: Print after selecting transaction type as 'New'

-Approval of settlement of collateral call transaction: List of payment approval by participant during inquiry period

－Certificate of payment approval for collateral call transaction: Details by collateral call number of approved transaction

2. Rollover-related printout: Output after selecting 'Rollover' as transaction type

－ Rollover approval list for collateral call transactions: List of rollover approval for each participant during the inquiry period.

－ Collateral Call Transaction Rollover Approval Statement: Details of the rollover approved transaction by collateral call number

8 is a view for explaining a process performed in the case of repayment settlement of the security call transaction settlement method according to the present invention.

As shown in this, after the end of the initial payment, the details of the scheduled repayment are notified to the participants, and upon arrival of the repayment date, the collateral call management server 400 of the collateral call transaction management institution transmits the transfer instruction of the call principal to the settlement bank.

In principle, the payment bank should use the same payment bank as the initial payment, but the payment bank can be changed until the payment is completed.

The repayment deadline may be extended at 17:00 or upon agreement of both parties. Since the BOK deadline is 17:00, if you want to make a payment after 17:00, you must make a payment through a designated bank.After completing the repayment payment, the status value of the repayment payment item in the transaction status is from 'Unpaid' to 'Completed' The collateral provided by the Borrower and the collateral provided by the Borrower shall be pledged upon payment of the repayment.

Thereafter, the collateral call transaction management system arranges the depositor's account book of the lender and the borrower, generates payment details, and transmits them to each participant.

9A to 9C are diagrams for explaining a process performed in the case of a rollover payment in the collateral call transaction settlement method according to the present invention, FIG. 9A is a collateral call transaction process of a general participant, and FIG. 9B is an indirect method. FIG. 9C shows a collateral call transaction process of a three-party rollover.

First, the collateral call transaction process of the general participant illustrated in FIG. 9A will be described.

As shown in the figure, first, the brokerage company readjusts the redemption date, transaction rate, collateral ratio, transaction amount, settlement bank, payment method, etc. with the participants for the transaction with the repayment date, and secures the contract details. Send to the call management server (400). However, the amount traded by the rollover can be reduced only, and cannot be increased.

Settlement banks can be changed to any bank without restriction.

On the other hand, since the initial payment method of the rolled-over new transaction is used only to make repayment payment data, the initial payment method and the differential payment method of the new transaction can be selected regardless of the original transaction settlement method.

In addition to the above conditions, it is also possible to change the lender's (3rd party rollover), and the mortgage call transaction management institution shall settle the repayment of the original transaction and the settlement of the initial settlement of the new transaction in the transaction progress after the receipt of the rollover. Will be displayed.

Thereafter, as the parties to the transaction (the lender and the borrower) directly check the transaction conditions and confirm the rollover, the collateral call transaction management system assigns the collateral call number and the rollover payment data (that is, the settlement schedule). And lack of collateral). At this time, the collateral change history and the security officer in the security general ledger is transferred from the existing collateral call number to the new collateral call number.

On the other hand, when the rollover confirmation is completed, the security call number is displayed on the transaction progress screen and the status value of the transaction confirmation item is changed from 'unverified' to 'verified'. In addition, a rollover confirmed transaction can be canceled by mutual agreement of both parties, and both parties are canceled by checking the check box for the cancellation message sent by the broker, and then the rollover confirmed transaction. The fee history is generated.

When the pre-set collateral value meets the necessary collateral for the opening of a new transaction, and when it is insufficient, the point of time for the transfer of funds and the change of the state value are different.

Therefore, the time of transfer of the transfer instruction according to the security status and the state value change are as follows.

<Transfer order transfer and status value change time according to security status>

satisfy Unsatisfied Transfer funds transfer instructions When confirming a transaction When collateral meets Status value change When confirming a transaction When collateral meets

If the cash collateral is set, the security collateral of the collateral call transaction management institution is reflected in the cash collateral management unit of the collateral call management server 400 after confirmation of the deposit of the security collateral.

On the other hand, withdrawal of surplus collateral due to the reduction in rollover payment is made according to the borrower's request for termination after completion of the rollover payment.

Thereafter, the difference payment according to the rollover (Rollover) is possible to transfer funds through a separate difference settlement bank prescribed in the preamble, the difference settlement bank can be changed until the settlement completion. In addition, when the difference payment is completed, the status value of the new transaction start payment column on the transaction progress screen is changed from 'unpaid' to 'payment', and the status value of the repayment settlement column of the original transaction is changed from 'unpaid' to 'complete'.

Next, the collateral call transaction process of the indirect property participant shown in Figure 9b.

As shown in FIG. 9B, first, when a rollover (rollover) it is possible to change the trustees (three-way rollover), the collateral call transaction management system of the collateral call transaction management system is confirmed after the rollover (Rollover) of both parties The collateral call number of the transaction is assigned, but the payment data is generated after the rollover approval of the depositary. Otherwise, the process is the same as for a rollover of a regular participant.

Meanwhile, the collateral call transaction management system generates payment data in accordance with the settlement approval of the trustee after confirming the transaction of both parties. When the settlement approval is completed, the settlement approval item state value of the new transaction in the transaction progress status is 'unapproved'. It changes to 'approve'.

The collateral setting process is also the same as the rollover process of the general participant, and the payment method is also the same as the rollover process of the general participant, except that the difference receiving subject becomes the trustee.

Next, the security call transaction of the three-party rollover shown in FIG. 9C will be described.

As shown in Figure 9c, as a payment type to continue the transaction by changing the lender of the new transaction at the time of rollover (Rollover), the repayment settlement of the original transaction is processed by the simultaneous payment method and the initial payment of the new transaction is separated payment method To be processed.

The initial settlement of new transactions is handled by a separate settlement method where funds are transferred before the security is transferred. However, the collateral set in the original transaction is transferred to the new lender at the same time as the transfer of the call funds.

On the other hand, the lender of the original transaction and the lender of the lender of the new transaction do not necessarily have to match, and even if the original lender is a general participant, the new lender may be an indirect participant and vice versa.

A collateral transfer occurs after the call fund transfer of a new transaction, and unlike the general rollover, the call fund transfer occurs after the completion of the difference payment. Therefore, collateral transfer from the original lender to the new lender occurs at the same time as the call fund transfer of the new transaction.

On the other hand, it is also possible to change the trustees when the indirect property participant rolls over by using a three-way rollover process. In this case, the repayment settlement with the original trust institution may be handled by the simultaneous settlement method and the initial settlement with the new trust institution may be handled by the separate settlement method.

The above description is merely illustrative of the present invention, and those skilled in the art to which the present invention pertains may various modifications without departing from the essential characteristics of the present invention. Accordingly, the embodiments disclosed herein are not intended to limit the present invention but to describe the present invention, and the spirit and scope of the present invention are not limited thereto.

As described above, according to the present invention, it is possible to quickly and efficiently manage the change in the rights associated with collateral call transactions, lenders can securely and accurately obtain the profits for the loans borrowed by the borrower, the borrower is accurate Transactional benefits can be obtained through schedule management and liquidity management using securities.

In addition, the present invention, on the Internet-based collateral call transaction management system, using the collateral call-related data, after applying the valuation rate for each security securities, and compares and evaluates the price of the collateral set, the result of the daily settlement and the start date of daily operation At the same time, the participant is notified, and the borrower's collateral can be induced in case of collateral oversufficiency by automatically calculating and informing the borrower of the necessary collateral to be provided.

Claims (14)

At least one lender terminal and a borrower terminal that perform input / output of loan and borrowing related information; Intermediary company terminal for transmitting and receiving mediation-related data of the collateral call transaction with the rental terminal and the borrower terminal; After the specific collateral call transaction is concluded and the borrower provides the collateral, the collateral is established and terminated, and the collateral is given additional or insufficient collateral under the daily settlement of the collateral, or the surplus collateral is terminated. A deposit account processing unit for processing and a payment account processing unit for depositing and withdrawing payment processing collateral call funds; After the conclusion of the transaction on the collateral call transaction, after applying the valuation ratio by the security securities, the resultant data of the daily settlement, which is calculated by comparing the price of the collateral call principle principal (principal + past interest) and the collateral price, at the time of opening the rental terminal And notify to the borrower terminal, and automatically calculate the necessary collateral amount to be provided by the borrower when setting up the borrower's collateral and send it to the borrower's terminal to notify the borrower terminal, thereby inducing the borrower to withdraw the collateral and setting up the collateral Including collateral call management server 400, And said loaned terminal, said borrower terminal, said intermediary company terminal, said deposit account processing unit, said payment account processing unit and said collateral call management server connected to each other via a wired / wireless communication network. According to claim 1, The lender terminal and the borrower terminal, The collateral call transaction history and the price of the collateral managed by the collateral call management server 400 and the daily settlement result calculated on the basis of the price are received through the communication network on the business start date and output to the borrower and the lender respectively. And notifying the lender terminal of the borrower terminal to receive the data related to the response to the requested collateral replacement and deletion from the borrower. According to claim 1, The daily settlement result calculated daily, Mortgage call transaction management system, characterized in that the additional collateral processing request and surplus collateral information due to collateral oversufficiency. According to claim 1, The lender terminal and the borrower terminal, Mortgage call transaction management system, characterized in that any one of a general personal computer, various desktops, laptops, wireless communication client computers capable of wired connection. According to claim 1, The lender terminal and the borrower terminal, Mortgage call transaction management system, characterized in that embedded in the web / swap browser or collateral-specific program, and outputs the web / swap page provided from the collateral call transaction management system for the lender and borrowers to view. The method of claim 1, wherein the borrower terminal, Receives data on collateral, that is, collateral type, item, and amount of collateral, and the collateral holder (loan) terminal receives collateral from the borrower for data on response to the replacement and termination of the collateral requested. Call transaction management system. According to claim 1, wherein the collateral call management server, If the borrower fails to repay the security collateral principle or fails to meet the required collateral value, the collateral call transaction management comprising transmitting the result of the default of the collateral arbitrarily performed by the collateral call transaction management institution to the borrower terminal. system. According to claim 1, wherein the collateral call management server, After receiving the request message for replacement of the collateral by the borrower, it is determined whether the new collateral is appropriate, establishes pledge of the new collateral, erases the existing collateral, and transmits the result to the borrower terminal. After receiving the response message of the secured creditor (loan) in accordance with the request for the expiration, the securities are secured by the securities on the depository account, and in the case of the cash collateral, the deposit is processed by the borrower's designated bank. Collateral call transaction management system, characterized in that for transmitting to the borrower terminal. In the collateral call trading method, (A) For the purpose of collateral call transaction, a predetermined transaction condition is inputted from the terminal of the brokerage company and transmitted to the collateral call management server, and the borrower and the lender resend the transaction condition to the borrower terminal and the lender terminal. Confirming a transaction condition; (B) when it is confirmed that the collateral call transaction is concluded, the collateral call management server automatically determines whether the collateral value of the collateral inputted through the borrower terminal is greater than the collateral available value of the repayment of the collateral call fund; (C) If the collateral call management server determines that the collateral value of the borrower is more than the amount of the collateral, the mortgage call funds are transferred from the lender to the borrower through the lender and the borrower's fund settlement account processing unit. At the same time, a security right is set on the collateral provided as collateral to the borrower's deposit account processing unit, and when the collateral value of the borrower is determined to be less than the collateral available value, the borrower's terminal is notified of the collateral shortage message. If not provided, terminating the collateral call transaction; And (D) a collateral call transaction management method comprising the step of terminating a collateral call transaction and at the same time the collateral call management server automatically performs pledge termination of the collateral which is pledged to the deposit account processing unit. The method of claim 9, wherein the method is The lender terminal and the borrower terminal further comprises the step of transmitting an access authentication request signal to the security call transaction management system to the security call management server, And the collateral call management server responds to the request for authentication of the lender terminal and the borrower terminal. In the computer-readable recording medium by recording the method of managing collateral call transactions, (A) For the purpose of collateral call transaction, a predetermined transaction condition is inputted from the terminal of the brokerage company and transmitted to the collateral call management server, and the borrower and the lender resend the transaction condition to the borrower terminal and the lender terminal. Confirming a transaction condition; (B) when it is confirmed that the collateral call transaction is concluded, the collateral call management server automatically determines whether the collateral value of the collateral inputted through the borrower terminal is greater than the collateral available value of the repayment of the collateral call fund; (C) If the collateral call management server determines that the collateral value of the borrower is more than the amount of the collateral, the mortgage call funds are transferred from the lender to the borrower through the lender and the borrower's fund settlement account processing unit. At the same time, a security right is set on the collateral provided as collateral to the borrower's deposit account processing unit, and when the collateral value of the borrower is determined to be less than the collateral available value, the borrower's terminal is notified of the collateral shortage message. If not provided, terminating the collateral call transaction; And (D) recording the collateral call transaction management method comprising the step of executing the pledged termination of the collateral which is pledged to the deposit account processing unit automatically upon termination of the collateral call transaction. Computer-readable recording media. In the collateral call transaction management method, (A) For the purpose of collateral call transactions, the broker company receives a predetermined transaction condition from the terminal of the intermediary company and transmits it to the collateral call management server, and transfers the transaction conditions from the collateral call server to the borrower terminal and the lender terminal again. Confirming a transaction condition; (B) When the collateral call transaction is completed, the collateral call management server stores the collateral set object and the predetermined collateral evaluation rate in the database, calculates the collateral value daily according to the price variation of the collateral, and the daily settlement according to the result. Determining whether the collateral value is greater or less than the collateral possible amount of the collateral for the repayment of the collateral call funds; (C) transmitting, by the collateral call management server, to the borrower terminal a message for allowing the borrower to provide additional collateral when the collateral value is less than the collateral value as a result of the determination in step (b); And (D) if the collateral value is greater than the collateral value, as a result of the determination in step (b), the collateral call management server transmits the borrower's surplus collateral withdrawable message to the borrower terminal for the surplus collateral; Collateral call transaction management method characterized in that. The method of claim 12, wherein the method is The lender and the borrower further comprises the step of requesting authentication by accessing the collateral call transaction management system through the lender terminal and the borrower terminal, The collateral call management server characterized in that the response to the lender and borrower authentication request. In the computer-readable recording medium by recording the method of managing collateral call transactions, (A) For the purpose of collateral call transactions, the broker company receives a predetermined transaction condition from the terminal of the intermediary company and transmits it to the collateral call management server, and transfers the transaction conditions from the collateral call server to the borrower terminal and the lender terminal again. Confirming a transaction condition; (B) When the collateral call transaction is completed, the collateral call management server stores the collateral set object and the predetermined collateral evaluation rate in the database, calculates the collateral value daily according to the price variation of the collateral, and the daily settlement according to the result. Determining whether the collateral value is greater or less than the collateral possible amount of the collateral for the repayment of the collateral call funds; (C) transmitting, by the collateral call management server, to the borrower terminal a message for allowing the borrower to provide additional collateral when the collateral value is less than the collateral value as a result of the determination in step (b); And (D) if the collateral value is greater than the collateral value, as a result of the determination in step (b), the collateral call management server transmits the borrower's surplus collateral withdrawable message to the borrower terminal for the surplus collateral; A computer-readable recording medium recording a method for managing collateral call transactions, characterized in that.

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