KR101137305B1 - Online System for Loan against Securities Account and Online Trading Method using the Same - Google Patents

Abstract

The online securities account secured loan transaction method according to the present invention includes a data input step in which a lender who has a loan agreement secured by a securities company and a securities account, inputs purchase information data to a client computer, and transmits the purchase information data to a server computer. Loan evaluation step for evaluating the amount of loans in accordance with the desired purchase item by evaluating the securities account, withdrawing the loan from the bank account to pay to the lender's securities account and the balance of the loan in the lender's securities account on a daily basis Recovery step to recover. Therefore, compared to the conventional method of executing loans collectively by generating a loan at the time of purchase order, the customer may pay only interest on the loan amount used and not interest on the loan amount not used.

Securities Account, Online, Mortgage Loan, Communication Network

Description

Online System for Loan against Securities Account and Online Trading Method using the Same}

The present invention relates to a securities account secured loan system and an online securities account secured loan transaction method using the same. More specifically, the present invention relates to an online securities account secured loan system for lending and managing stock management funds by collateralizing cash and stocks in a securities account and an online securities account secured loan transaction method using the same.

Conventional securities account secured loan system evaluates the securities account at the time of the loan and commits the loanable amount and its loan period. However, since the value of the securities account varies depending on the trader's fund management, the loanable amount does not reflect the value of the actual securities account.

Therefore, although the value of the securities account increases, the trader may receive more loans. However, the trader may have to renew the loan agreement separately for additional loans. Unnecessary payment of cash remaining in the securities account is required. did.

In addition, securities firms were required to maintain contract loans despite the risks associated with the recovery of principal and interest due to deterioration in value due to poor management of securities accounts.

The present invention provides a securities account mortgage system that can evaluate the securities account in real time every time to purchase the loan as collateral, and differentially apply the loanable amount according to the stock group in order to solve the above problems.

Online securities account security loan system according to the present invention is a network communication network data communication is made; At least one client computer connected to the network communication network, the at least one client computer being able to transmit the purchase information data inputted by the lender having a loan agreement secured by the securities company and the securities account; And a client computer and a network communication network, and compares the purchase information data received from the client computer at the time of purchase and the securities account of the lender to calculate a loan amount according to a desired purchase item, and the loan amount directly from a credit institution account. It includes a server computer that withdraws money and deposits it in the securities account of the lender, and recovers the balance of the loan on a daily basis and re-deposits it into the credit institution account.

According to the present invention, the customer may pay only interest on the loan amount used and not interest on the loan amount not used, compared to the existing method of executing the loan amount collectively by generating a loan at the time of purchase order. In addition, high-end loans may be incurred for those items that are considered to be low-risk, while limiting the limits for high-risk items may reduce the risk of credit institutions and customers may enjoy reasonable equity mortgage effects. In addition, credit institutions can reduce risk by preventing unnecessary loans.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. In addition, the terms “… unit”, “… unit”, “module”, etc. described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software. have.

1 is a block diagram showing the configuration of a security account security loan system according to the present invention.

According to this, the security account secured loan system includes a client computer 10 and a server computer 20 connected by the client computer 10 and the network communication network 30.

The client computer 10 is provided with a dedicated emulator or a web browser to allow data communication with the server computer through a communication line. The client computer 10 secures the securities account as collateral by agreeing to the credit institution pledge and the credit transaction agreement while simultaneously acquiring the securities account with the securities company or after the securities account agreement.

A dedicated emulator installed on the client computer 10 may be added to an emulator for a home trading system, which is typically capable of online securities trading. The client computer 10 transmits a variety of trading information data input by the trader to the server computer 20.

The server computer 20 receives the trading information data sent by the client computer 10. The server computer 20 evaluates the applied transaction information data and the securities account information in the securities account database in real time to calculate the loanable amount when the amount of the transaction application amount is greater than the amount of the securities account.

In addition, the server computer 20 evaluates the securities account of the trader in the market, and if the evaluation result meets the predetermined criteria, permits the trader to continue to manage the funds alone. To manage.

The server computer 20 also recovers the loan amount after the end of the daily stock market. The amount to be recovered is preferably to recover the repayable amount within the range of the loan amount.

The repayable amount can be the full cash balance.

The network communication network 30 is a communication network in which data communication is performed between computers through a wired or wireless Internet.

2 is a block diagram illustrating an embodiment of a server computer according to the present invention.

According to this, the server computer 20 uses the data receiving means 201, the data recognizing means 202, the calculating means 203, the loan executing means 204, the evaluation means 208, and the loan repayment means 205. Include.

The data receiving means 201 is means for receiving the information relating to the number of sheets transmitted from the client computer 10. The purchase information data entered by the trader includes an account number, a password, a desired item, and a quantity.

The data recognizing means 202 is a means for reading data on the trader's securities account from the securities account database 206. The data on the securities account includes the securities valuation amount, the cash balance, and the like, and the securities account database 206 may be included in the server computer 20. The server computer 20 may also include an account of a contracted credit institution, for example an account of a savings bank 207.

The calculation means 203 receives and aggregates the purchase information data and the data on the securities account from the data receiving means 201 and the data recognizing means 202, and when the purchase amount exceeds the amount of the securities account, the agreed loan Calculate loanable amount according to the risk of the applied item within the limit.

On the other hand, the server computer 20 classifies all items into a predetermined number of groups.

Each group can be classified based on the analysis of the number and the number of sharp fluctuations in the past, transaction volume, market cap, and financial ratio analysis. Each stock may contain a different number of stocks, each with a different loan multiple.

For example, an entire event can be classified into a total of six groups, with loan multiples from Groups 1 to 6 corresponding to a fixed number between 5.7 and 0. In addition, an individual investment limit and a minimum collateral ratio may be set. At this time, the daily average fluctuation of each group is fixed, so in the case of stocks out of this, the classified group may be changed.

The server computer 20 may include a database by recording a table for the sport group in a database, and reclassifies each group every predetermined period of time to update the record of the database.

Therefore, the calculation means 203 calculates the loan amount by multiplying the loan multiple corresponding to the item group to which the desired item belongs by the collateral amount.

The loan execution means 204 receives the loan amount from the calculation means 203, withdraws the loan amount from the credit institution account 207 and deposits it in the securities account of the trader. That is, whenever a purchase request is input from a trader, a loanable amount is deposited into a trader's account in real time, thereby preventing unnecessary interest payments caused by loans to any amount before purchase.

Loan repayment means 205 withdraws the total cash remaining in the securities account within the range of the loan amount used after the end of the daily re-payment to the credit institution account.

Therefore, interest is paid only on the amount used on a daily basis, thereby reducing the burden on interest.

On the other hand, the evaluation means 207 evaluates the funding status and operating status of the trader's securities account in the server computer 20. Evaluation can be done in a variety of ways, using the risk management system (RMS) of each securities firm, including comparing the total balance of the securities accounts with the loan amount.

Additionally, it may further comprise a management means and a termination means, wherein the management means is executed when the evaluation of the trader's account from the evaluation means 208 does not meet certain safety criteria. Management is divided into management of buy and sell. The purchase management is performed by allowing the trader to approve or reject the specific securities, and the sale management is carried out when the trader's balance is not enough to cover the loan and its interest. This is done by selling securities in the market and securing a cash balance.

In addition, the termination means may terminate the loan agreement between the trader and the securities company in the event of a contractual reason, such as the expiration of the contract period or the sale management due to the insolvency of the trader account.

Hereinafter will be described the securities account mortgage loan trading method according to the present invention.

Figure 3 is a flow chart illustrating an embodiment of a securities account secured loan transaction method according to another aspect of the present invention. According to this, the securities account secured loan transaction method includes a purchase information data input step (S101), loan amount evaluation step (S103), loan payment step (S105), trader fund management step (S107), loan collection step (S109) do.

First, in the purchase information data input step (S101), when a trader who enters into the client computer with the securities company enters the purchase information data into the client computer, the input data is transmitted to the server computer.

Next, in the step of calculating the availability and amount of the loan (S103), the server computer reads the purchase information data and the internal securities account information, and when the desired amount of purchase exceeds the amount of the securities account, The loan amount is calculated according to the stock group of the desired stock. However, if the desired stock belongs to a stock group with a loan multiple of 0, the trader can calculate the loan amount to 0 and configure the trader to input the stock and the stock to buy again, and the trader adjusts the quantity of the stock. If you buy a quantity that can be bought as collateral, you can buy without a loan.

Next, as a loan payment step (S105), the server computer withdraws the calculated loan from the credit institution account in real time and deposits it into the securities account of the trader.

Next, as a trader's money management step (S107), the trader operates independently after the loan. The trader can buy desired stocks with desired loans and buy and sell other stocks with the remaining loans.

Next, in the loan collection step (S109), after the end of the daily collection, the loan balance of the cash remaining in the account within the loan range is recovered. The loans thus recovered are re-deposited into the account of the credit institution, and the trader pays interest on the remaining loans.

Hereinafter will be described in more detail securities account mortgage transaction method according to the present invention.

The borrower's loan amount can be within the loan limit that was originally agreed with the lender.

The maximum amount of loans available at the time of sale is "collateral deposits not currently in use.

If the expected value is greater than the maximum loan amount, no more loans will occur.

Assuming a trader holds 100 won of stock or cash, the current trader's collateral is estimated at 100 won. At this time, if you purchase a 1-group event with a multiple of 4 times as much as 250 won, the loanable amount of 400 won is calculated, and 50 won of the 100 won collateral will be used and 200 won will be used. In other words, the loan is made by the loan agency 200 won.

When the sale is completed, there will be 50 won of collateral left on the trader's account.

If a trader wants to order an additional four-group stock with a multiple of 1 loan, the current unused collateral is 50 won, so it is possible to order as much as 100 won (50 won collateral + 50 won loan). If the purchase is made, the loan will be used for the final amount of 250 won, and no more collateral will remain.

At this time, if you sell one group of stocks for the same day by 125 won, the stock is settled two days later, the loan of 125 won is repaid after two days. Therefore, assuming that the remaining loan amount is 125 won and the stock price has not changed, the account has a total of 225 won, which is the sum of 100 won collateral and 125 won loans.

If the trader wants to buy more shares, he calculates the collateral by multiplying the collateral rate at 125 won in Group 1 (for example, if the collateral is 25), and calculates the collateral by multiplying the collateral rate at 100 KRW in Group 4 (Example For example, if the collateral is 50 won), the collateral amount of 75 won is used, and 100 won minus 125 won of 225 won is calculated as total collateral, based on the unused collateral of 25 won. You can use a loan.

Although the present invention has been described primarily with reference to the above embodiments, many other possible modifications and variations can be made without departing from the spirit and scope of the invention. For example, a change in the system of a trader's account valuation method, a change in loanable amount under a loan agreement, a change in reason for termination, etc. On the other hand, this specification has been described mainly for stock trading, it will be applicable to transactions such as bonds, beneficiary certificates, futures, options.

The embodiments of the present invention described above are not only implemented by the apparatus and method but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded, The embodiments can be easily implemented by those skilled in the art from the description of the embodiments described above.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

1 is a block diagram showing the configuration of a security account security loan system according to the present invention.

2 is a block diagram illustrating an embodiment of a server computer according to the present invention.

Figure 3 is a flow chart illustrating an embodiment of a securities account mortgage loan trading method according to the present invention.

Claims (11)

A client computer of a lender connected to a network communication network and having a loan agreement secured by a securities company and a securities account, the client computer comprising: at least one client computer capable of transmitting externally, purchase information data including a desired item of purchase; And The client computer is connected to the network communication network, the purchase information data received from the client computer at the time of purchase and the securities account of the borrower is compared to calculate the loan amount according to the desired item, and withdraw the loan directly from the credit institution account. And depositing the securities in the lender's securities account, and recovering the balance of the loan on a daily basis to re-deposit into the credit institution account. Online Securities Account Mortgage Loan System. The method of claim 1, The server computer, Data receiving means for receiving the purchase information data input by the lender; Data recognition means for reading the account information data of the securities account of the lender; Calculation means for evaluating the purchase information data and the account information data and calculating the loan amount according to the desired purchase item; Loan execution means for withdrawing the loan from the credit institution account and depositing the loan into the securities account of the lender; Loan repayment means for recovering the balance of the loan from the lender's securities account on a daily basis and re-deposited into the credit institution account Containing Online Securities Account Mortgage Loan System. 3. The method of claim 2, The loan balance collected by the loan repayment means is the total cash remaining in the securities account of the lender. Online Securities Account Mortgage Loan System. 3. The method of claim 2, The loan repayment means is characterized in that for recovering the balance of the loan after the daily end of the day Online Securities Account Mortgage Loan System. 3. The method of claim 2, The server computer classifies all items into a predetermined number of item groups, sets loan multiples corresponding to each group, and the calculating means includes the balance of the lender's securities account and the loan multiples corresponding to the group to which each desired item belongs. To calculate the loan by multiplying Online Securities Account Mortgage Loan System. The method of claim 5, The stock groups classified by the predetermined number are classified based on whether the price fluctuates during a predetermined period of time, transaction volume, market cap, and financial ratio analysis. Online Securities Account Mortgage Loan System. The client computer of the lender who secured the loan with the securities company and the securities account is performed by the online securities loan server server while being connected to the online securities loan server computer by the network. A data input step of receiving the purchase information data including the desired item, which is input from the client computer at the time of purchase; A loan evaluation step of evaluating the amount of loans according to the desired purchase item by evaluating the purchase information data and the securities account of the lender; Withdrawing the loan from the bank account and paying it to the lender's securities account; And A recovery step of recovering the balance of the loan on a daily basis in the lender's securities account; Containing Online Securities Account Mortgage Loan Transaction Method. The method of claim 7, wherein The loan balance to be recovered in the recovery step is the total cash remaining in the securities account of the lender Online Securities Account Mortgage Loan Transaction Method. The method of claim 8, Recovering the balance of the loan in the recovery step after the end of the daily long-term Online Securities Account Mortgage Loan Transaction Method. The method of claim 7, wherein The loan evaluation step Classifying all items into a certain number of item groups, setting loan multiples corresponding to each group, and calculating the loan amount by multiplying the balance of the lender's securities account by the loan multiple corresponding to the group to which the desired item belongs. Characterized Online Securities Account Mortgage Loan Transaction Method. The method of claim 10, The stock group classified by the predetermined number may be classified based on whether the price fluctuates during the predetermined period, transaction volume, market cap, and financial ratio analysis. Online Securities Account Mortgage Loan Transaction Method.

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