KR101741712B1 - System and method for providing financial goods, and financial goods trading method using the same - Google Patents

Abstract

The financial product offering system according to the present invention includes a financial product development server for developing and supplying a financial product program for selling a developed financial product; A financial product management server for registering a financial product program provided from the financial product development server and generating and providing a financial product site capable of trading financial products based on the registered financial product program; And a financial product relay server for relaying a financial product site provided from the financial product management server in association with the financial product operation server.

Description

TECHNICAL FIELD The present invention relates to a financial product offering system, a financial product offering method, and a financial product trading method using the same,

The present invention relates to the provision and sale of financial products, in particular, to enable financial products traded outside the shop to be traded in the market, to prevent unfair transactions by existing liquid suppliers, to ensure fairness, A system and method for providing financial products that can be prevented, and a method for selling financial products.

In general, the components of financial instruments include trading types (stocks, futures, options, ELW, ELS, etc.) traded as financial instruments, trading funds investing in financial instruments, interest and dividend distribution based on investments, and stop- And a loss cut rule.

Financial products here refer collectively to transactions such as deposits, savings, installments, savings, notes, bonds, insurance and fund loans operated by financial institutions such as banks, insurance companies, it means. For example, brokerage firms' financial products may include securities under the assumption of stocks and bonds, brokerage of bonds under repurchase agreements, trading of small bonds, mutual fund sales and MMFs.

Financial products are traded in the intangible or off-market markets. The intangible and out-of-market distinctions of the market are made in accordance with the presence or absence of oxygen in the market. Generally, in the over-the-counter market, a financial institution refers to a market in which financial transactions are conducted through a broker without going through an exchange (Oxygen). The nature of financial products is complicated and risky.

Commodities traded on the market are standardized, with Kospi 200 futures and Kospi 200 options being representative. All transactions in the intangible market are carried out through exchanges, and there is an advantage that the risk of settlement is less than that of the over-the-counter, because the exchange, which is the central office, guarantees the execution of the contract at maturity. On the other hand, unlike the over-the-counter market, the disadvantage of the market is that it can handle only standardized financial products.

On the other hand, one of the transformation options, the binary option or the digital option (hereinafter referred to as the "binary option"), is basically an off-the-shelf derivative, which is a simple option to lose or obtain a fixed amount depending on the direction of the underlying asset. In the case of the general option, individual investors can not sell because of the big risk, but in the case of the binary option, individual investors can also sell with low risk.

On the other hand, as the development of data communication technologies using the Internet has progressed rapidly, the spread of electronic commerce techniques using networks has spread throughout all industries, and financial products such as stocks and derivatives Electronic commerce method (online trading method) through network is widely used.

Currently, various brokers in Japan, Europe, and many other countries are offering online options for dual-option products, making it easier for ordinary individuals to trade. However, since each broker becomes a liquidity provider (LP) and provides a binary option, it still has the disadvantages of the liquidity provider (LP) often seen in other derivatives.

In the case of the United States, the dual option was listed on the Chicago Board Options Exchange (CBOE), allowing transactions to be made through the exchange, as is the normal vanilla option. However, since there is no liquidity provider (LP), the transactions are not activated because the transaction volume is much lower than the general options in the case of the US binary option.

On the other hand, a liquidity provider (LP) is basically introduced for smooth repayment of investors who have invested in a specific derivative product, but there are cases where losses are incurred by a liquidity provider (LP).

For example, a liquidity provider (LP) should provide liquidity based on fairness, but arbitrarily spreads (difference between buyers and sellers), so that a person who wants to buy or sell can see losses and make transactions And how to generate slippage, which is different from the price of the order made by the investor, to damage the investor.

Therefore, it is necessary to provide various financial products to be traded in the intramural market, and to provide financial products that can block unfair transactions by liquidity providers in the market.

SUMMARY OF THE INVENTION Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and it is an object of the present invention to provide a method and system for providing financial products, A system and method for providing a financial product that can prevent a customer from being damaged, and a method for selling a financial product.

According to an aspect of the present invention, there is provided a financial product offering system including a financial product development server for developing and supplying a financial product program for selling a developed financial product; A financial product management server for registering a financial product program provided from the financial product development server and generating and providing a financial product site capable of trading financial products based on the registered financial product program; And a financial product relay server for relaying a financial product site provided from the financial product management server in association with the financial product operation server.

In addition, the financial product providing system of the present invention is a system for providing financial products to a financial product relay server by accessing the financial product relay server at a request of a customer, And may further include a terminal.

Meanwhile, the financial product program may be created by verifying a test program developed for use in ordering, establishing and managing developed financial products, and applying security to a verified test program.

At this time, the financial product management server may be provided in an exchange, and the financial product relay server may be provided in a securities company having a relay authority for the financial product.

Meanwhile, the financial product management server can be operated and managed by a corporation established on the basis of capital supplied by the liquidity provider recruited through the liquidity provider recruitment.

At this time, the financial product management server may adjust the rate of return through market analysis on a day-by-day basis, and apply the adjusted rate of return to the financial product site to provide a daily updated financial product site.

In addition, the financial commodity management server may perform order concluding and order management functions through the financial commodity site, while presenting prices for financial commodities and adjusting financial commodity returns.

In addition, the financial product management server may settle the daily transaction volume and the transaction price of the financial product after the long-term end.

In addition, the financial product management server can define the customer in three stages according to the transaction price and the number of transactions.

At this time, the financial product program is developed to display the number of contracts and ticks of underlying assets that can hedge losses.

According to an aspect of the present invention, there is provided a method for providing financial products, comprising: developing a financial product program for trading financial products using a financial product development server; Registering the developed financial product program in a financial product management server; Generating and providing a financial product site capable of trading financial products based on the financial product program registered in the financial product management server; And relaying the financial product site provided from the financial product operation server in association with the financial product operation server.

At this time, after relaying the financial product site, the customer terminal accesses the financial product relay server at the request of the customer, and purchases and sells the financial product through the financial product site relayed by the financial product relay server And processing the data.

In addition, after the purchase and sale of the financial product are processed, the financial product management server may further include settlement of the daily transaction volume and the transaction price of the financial product after the long-term end.

Meanwhile, the development of the financial product program may be performed through a process of verifying a test program developed to be used for ordering, establishment and management of a financial product, and then applying security to the verified test program.

At this time, the financial product management server may be provided in an exchange, and the financial product relay server may be provided in a securities company having a relay authority for the financial product.

The financial product management server may be operated and managed by a corporation established based on capital supplied by the liquidity provider recruited through the liquidity provider recruitment.

The step of generating and providing the financial product site includes adjusting the rate of return through market analysis on a day-by-day basis and applying the adjusted rate of return to the financial product site to provide a daily updated financial product site can do.

According to an aspect of the present invention, there is provided a method for trading financial products, comprising the steps of: registering a financial product to which an adjusted rate of return is applied through a market analysis to a financial product management server to provide a financial product site; Delivering a purchase order received from a customer to the financial product management server; Concluding a financial product trading order by the financial product management server; Settlement of a profit or loss generated according to the sale of the financial product relay server; And settlement of the details of the deposit and withdrawal in the transaction by collating the profit and loss details settled by the financial product relay server with the order details from the financial product operation server by the exchange.

At this time, the financial instrument management server is managed and operated by a corporation separately installed in an exchange for managing financial products.

Meanwhile, the financial product site provides a hedge tool according to a financial product program registered by a financial product development server.

In addition, before the financial merchandise relay server transmits a sales order coming from the customer to the financial product management server, the HTS downloads the home trading system provided from the securities company to the customer's terminal, And accessing the site.

According to the system for providing financial products, the method for providing financial products, and the method for trading financial products using the same, unlike a conventional securities company acting as a liquidity provider, an institution in the exchange serves as a liquidity provider, It plays a role of connecting.

Therefore, it is possible to prevent unfair transactions by securities firms, to ensure fairness, and to prevent damage to customers caused by unfair transactions.

In addition, since it can induce the participation of brokerage firms through liquidity provider recruitment, it can share the expenses required for the development of financial products, thereby reducing the burden of financial product development costs.

In addition, various financial products can be traded in the intestinal market with less risk when trading financial products in the over-the-counter market.

1 is a block diagram showing a financial product providing system according to an embodiment of the present invention.
2 is a flowchart illustrating a method of providing a financial product using a financial product providing system according to an embodiment of the present invention.
FIG. 3 is a daily trading flow chart for daily trading on a financial product provided according to a method of providing a financial product according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of achieving them will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like numbers refer to like elements throughout.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The following terms are defined in consideration of the functions in the embodiments of the present invention, which may vary depending on the intention of the user, the intention or the custom of the operator. Therefore, the definition should be based on the contents throughout this specification.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a configuration and functions of a financial product providing system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing a financial product providing system according to an embodiment of the present invention.

1, a financial product providing system 100 according to an exemplary embodiment of the present invention includes a financial product development server 110, a financial product operation server 120, a financial product relay server 130, and a customer terminal 140, And the system for providing financial products according to the embodiment of the present invention shown in FIG. 1 only discloses the configuration necessary for understanding the present invention, and it is possible to further include other additional configurations Of course.

The financial product development server 110 develops and supplies a financial product program for ordering, contracting and managing developed financial products. The financial product development server 110 develops a test program for testing according to a financial product development plan, After the program is verified, security is applied to the market to complete the program development of the financial product program.

The financial product program as described above is developed and supplied by the financial product development / supplier. In this case, the financial product program is supplied to the actual market by applying the security to the tested test program and orders, It is a program used.

In addition, the financial product development server 110 performs post-management on a financial product program such as updating of a financial product program and correction of a bug.

The financial product development server 110 provides the developed financial product program to the financial product operation server 120 and the financial product program provided to the financial product operation server 120 is registered in the financial product operation server 120 do.

At this time, the financial products traded by the financial product providing system 100 of the present invention may be classified into various types of transactions such as deposits, savings, installments, savings, notes, bonds, insurance, fund loans, and currency stocks operated by banks, insurance companies, Collectively.

For example, a financial product developed in accordance with the present invention may include a binary option traded in an over-the-counter market, and a transaction grade and hedge tool based on the number of trades and the rate of return are applied to the developed binary option do.

The binary option developed on the basis of the trading grade system can increase the investment efficiency of the investor by preventing the investment loss due to the initial inexperienced investment.

In addition, the binary option developed by applying the hedge tool provides the number of contracts and ticks of the underlying assets, and the trading function.

Meanwhile, the profit rate of the binary option developed for trading through the product providing system of the present invention is adjusted according to the market trend of the day.

Therefore, when executing the financial product program developed by the financial product development server 110, the underlying asset can be confirmed on the screen, so that the binary option and the underlying asset can be traded on one screen.

In addition, the financial product program displays on the screen the number of contracts and ticks of the underlying assets required to hedge the position of the binary option held.

The financial product management server 120 registers a financial product program provided from the financial product development server 110 and creates and manages a financial product site capable of buying and selling financial products based on the registered financial product program, to provide.

At this time, the financial product management server 120 is operated and managed by a corporation established on the basis of the capital supplied by the liquidity provider recruited through the liquidity provider recruitment, which is provided in the exchange. At this time, the corporation established based on the capital of the liquidity provider operates and manages the financial instruments independently.

Meanwhile, according to the operation of the corporation, the financial product management server 120 plays a role of order concluding and managing, product management, profit and loss clearing, and market report.

That is, according to the operation of the corporation, the financial product management server 120 performs order concluding and order management functions through the financial product site, presents prices for the financial products, and adjusts the financial product returns.

In accordance with the operation of the corporation, the financial product management server 120 cleans the profit and loss with each financial company after the closing of the market, and clears the daily trading volume and the transaction price of the financial product.

In addition, in accordance with the operation of the corporation, the financial product management server 120 regulates the customer in three stages according to the transaction price and the number of transactions, for example, it can be defined as a novice or expert institution.

At this time, brokerage firms can participate as a liquidity provider, and brokerage firms participating as liquidity providers can receive benefits such as commission discounts when selling the financial products.

On the other hand, since the financial products are operated by a corporation established in the exchange, transparent management and operation are possible, and it is possible to observe and control the market directly, and it is possible to perform fair liquidity management.

Also, the financial product management server 120 adjusts the rate of return through market analysis on a day-by-day basis, and applies the adjusted rate of return to the financial product site to provide the financial product site on a daily basis.

Therefore, the financial commodity site provided by the financial commodity trading server 120 is updated daily on the basis of the adjusted yield rate every day, and the financial commodity site provided by the financial commodity trading server 120, Buying and selling will occur.

The financial product site provided by the financial product management server 120 is provided to the financial product centric server 130.

The financial product relay server 130 relays the financial product site provided from the financial product operation server 120 in association with the financial product operation server 120. At this time, the customer accesses the financial product site relayed by the financial product relay server 130 using the customer terminal 140, and purchases and sells the financial product.

Meanwhile, the financial merchandise relay server 130 is provided in a securities company and is managed by a securities company. The financial merchandise relay server 130 relays a financial product by paying a predetermined commission and being granted a financial product relay authority.

In this case, a brokerage firm that relays financial products can be a securities company participating in the recruitment of liquidity providers, and any brokerage firm that is not participating in the recruitment of liquidity providers but wants to be granted the right to purchase the financial products is possible.

Accordingly, since the financial product relay server 130 can be provided for each securities company, a plurality of financial product relay servers 130 exist, and the customer can access the desired financial product relay server 130 through the customer terminal 140 130) to be able to buy and sell financial products.

The customer terminal 140 accesses the financial product relay server 130 at the request of the customer who purchases and sells the financial product from the viewpoint of the terminal user, that is, the financial product, Through the site, buy and sell financial instruments.

At this time, the customer terminal 140 may be a portable terminal capable of the Internet, or may be a PC installed in a home or a company.

The customer terminal 140 may be connected to the financial product relay server 130 through a variety of wired / wireless networks, and any of wired and wireless networks known as a wired / wireless network may be used, so a detailed description thereof will be omitted .

Meanwhile, the customer terminal 140 downloads a home trading system (HTS) provided from a securities company, accesses the corresponding financial product site from the downloaded HTS, and deals with financial products, that is, purchases and sells.

Hereinafter, a method for providing a financial product according to an embodiment of the present invention corresponding to the operation of the financial product providing system according to the present invention will be described step by step with reference to FIG.

2 is a flowchart illustrating a method of providing a financial product using a financial product providing system according to an embodiment of the present invention.

Referring to FIG. 2, the financial product development / supplier develops financial products and develops a financial product program for selling financial products using the financial product development server 110 (S210).

At this time, the development of the financial product program can be performed by developing a test program for the test according to the financial product development plan, verifying the test program, and applying the security to supply to the market.

In other words, the financial product program is a program used for ordering, signing, and managing financial products supplied to the real market by applying security to the tested test program.

Meanwhile, the developed financial product program is provided to the financial product management server 120, and the financial product program provided to the financial product management server 120 is registered in the financial product management server 120 (S220).

At this time, the financial product management server 120 is provided in the exchange and operated and managed by a corporation established on the basis of the capital supplied by the liquidity supplier recruited through the liquidity supply recruitment.

Thereafter, the financial product management server 120 registers a financial product program provided from the financial product development server 110, and registers a financial product site on which a financial product can be purchased and sold based on the registered financial product program (S230).

Meanwhile, the financial product management server 120 performs order concluding and order management functions through the financial product site according to the operation of the corporation, while presenting prices for the financial products and adjusting the financial product returns.

In addition, the financial product management server 120 performs settlement of profit and loss with each financial company after a long term in accordance with the operation of the corporation, and settles the daily transaction volume and transaction price of the financial product.

Also, the financial product management server 120 adjusts the rate of return through market analysis on a day-by-day basis, and applies the adjusted rate of return to the financial product site to provide the financial product site on a daily basis.

Therefore, the financial commodity site provided by the financial commodity trading server 120 is updated daily on the basis of the adjusted yield rate every day, and the financial commodity site provided by the financial commodity trading server 120, Buying and selling will occur.

When a financial product site is created by the financial product management server 120, the financial product relay server 130 is connected to the financial product management server 120 and is connected to the financial product management server 120, The site is relayed (S240).

Meanwhile, the financial product relay server 130 is provided in a securities company and is managed by a securities company. The securities company pays a predetermined commission, and is authorized to relay financial products, and relays financial products.

In this case, a brokerage firm that relays financial products can be a securities company participating in the recruitment of liquidity providers, and any brokerage firm that is not participating in the recruitment of liquidity providers but wants to be granted the right to purchase the financial products is possible.

Next, since the financial product relay server 130 can be provided for each securities company, a plurality of financial product relay servers 130 exist, and the customer can access the desired financial product relay server 130 through the customer terminal 140 (S 250).

In addition, after finishing the sale of the financial product through the customer terminal 140, that is, after the close of the market, the financial product management server 120 calculates the daily transaction amount and the transaction price of the financial product (S260).

FIG. 3 is a daily trading flow chart for daily trading on a financial product provided according to a method of providing a financial product according to an embodiment of the present invention.

Referring to FIG. 3, in accordance with the operation of a corporation managing a financial commodity trading server in an exchange, the financial commodity trading server 120 adjusts the yield through market analysis, And provides a financial product site on a daily basis (S310).

The financial product relay server 130 in the brokerage house relays the buy or sell order received from the customer and transfers the received buy or sell order to the financial product operation server 120 in operation S320. The financial product operation server 120 transmits the financial product relay server 130 (Purchase order and selling order) automatically (S330).

On the other hand, if the customer does not have an account since he / she must have an account of the securities company managing the financial product relay server 130 before trading the financial product, the customer opens an account of the securities company.

In this way, after the account of the relevant securities company is opened or the account of the relevant securities company is opened, the customer downloads the home trading system (HTS) provided by the securities company, accesses the corresponding financial product site from the downloaded HTS, And then sells and sells financial instruments.

Meanwhile, according to the present invention, since the financial product relay server 130 is managed by a corporation acting as a liquidity supplier, a financial product purchase order is concluded by a customer and a corporation.

In addition, the profit or loss arising from the sale and purchase of the customer is settled in real time by the securities company, and the normal result is notified to the account held by the customer and automatically settled to the customer account in real time.

In other words, the financial product relay server 120 real-time calculates the profit and loss generated according to the concluded transaction (S340).

Thereafter, the exchange (the central office oxygen) collates the details of the profit and loss settled by the financial product relay server 130 and the order details from the financial product operation server 120 during the introductory time (S350).

According to the present invention as described above, in contrast to a conventional securities company acting as a liquidity provider, an institution in the exchange plays a role of a liquidity provider, and a securities company plays a role of linking a financial product selling site.

Therefore, it is possible to prevent unfair transactions by securities firms, to ensure fairness, and to prevent damage to customers caused by unfair transactions.

In addition, since it can induce the participation of brokerage firms through liquidity provider recruitment, it can share the expenses required for the development of financial products, thereby reducing the burden of financial product development costs.

In addition, various financial products can be traded in the intestinal market with less risk when trading financial products in the over-the-counter market.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the scope of the present invention is not limited to the disclosed exemplary embodiments. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention.

Therefore, the embodiments described in the present invention and the accompanying drawings are intended to illustrate rather than limit the technical spirit of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments and accompanying drawings . The scope of protection of the present invention should be construed according to the claims, and all technical ideas within the scope of equivalents should be interpreted as being included in the scope of the present invention.

100: Financial product offering system
110: financial product development server
120: Financial product management server
130: financial instrument relay server
140: Customer terminal

Claims (21)

A financial product development server that develops and provides a financial product program for trading on financial products including the developed binary option; A financial product management server for registering a financial product program provided from the financial product development server and generating and providing a financial product site capable of trading financial products based on the registered financial product program; A financial product relay server for relaying a financial product site provided from the financial product management server, in association with the financial product management server; And a customer terminal connected to the financial product relay server according to a request of a customer and processing purchase and sale of a financial product through a financial product site relayed by the financial product relay server,
The financial product program is created by verifying a test program developed for ordering, concluding and managing developed financial products, applying security to a proven test program, and generating an underlying asset It is developed to display the number of contracts and ticks,
The financial instrument management server adjusts the rate of return through market analysis on a day-by-day basis, applies the adjusted rate of return to the financial instrument site to provide a daily updated financial instrument site, Wherein the system is operated and managed by a corporation established on the basis of the capital supplied by the recruited liquidity provider.
delete delete The method according to claim 1,
Wherein the financial product management server is provided in an exchange and the financial product relay server is provided in a securities company having an authority to relay the financial product. delete delete The method according to claim 1,
Wherein the financial product management server performs order concluding and order management functions through the financial product site and presents a price for the financial product and adjusts the financial product yield. The method according to claim 1,
Wherein the financial product management server is configured to settle the daily transaction volume and the transaction price of the financial product after the long-term end. 9. The method of claim 8,
Wherein the financial product management server regulates the customer in three stages according to the transaction price and the number of transactions. delete Developing a financial product program for trading on a financial product including a binary option developed using a financial product development server; Creating and providing a financial product site capable of trading financial products based on the financial product program registered in the financial product management server; registering the developed financial product program in a financial product management server; Relaying a financial product site provided from the financial product management server in cooperation with the financial product management server; And relaying the financial product site; And a customer terminal accessing a financial product relay server according to a request of a customer and processing purchase and sale of a financial product through a financial product site relayed by the financial product relay server,
The financial product program development is performed through a process of verifying a test program developed for ordering, concluding and managing financial products and applying security to a verified test program, Developed to display contracts and ticks for assets,
Wherein the step of generating and providing the financial product site comprises: adjusting a rate of return through market analysis on a day-by-day basis; applying the adjusted rate of return to the financial product site to provide a daily updated financial product site; Wherein the financial product management server is operated and managed by a corporation established based on capital supplied by the liquidity provider recruited through the liquidity provider recruitment.
delete delete 12. The method of claim 11,
Wherein the financial product management server is provided in an exchange, and the financial product relay server is provided in a securities company having an authority to relay the financial product. delete delete 12. The method of claim 11,
Wherein the financial product management server further comprises a step of calculating a daily transaction volume and a transaction price of the financial product after the long-term end, after the step of purchasing and selling the financial product. By using the financial product providing method of claim 11,
Registering the financial product to which the adjusted return rate is applied through the market analysis to the financial product management server to provide the financial product site;
Delivering a purchase order received from a customer to the financial product management server;
Concluding a financial product trading order by the financial product management server; Settlement of a profit or loss generated according to the sale of the financial product relay server; And
Wherein the exchange collates the details of the profit and loss settled by the financial product relay server with the order details from the financial product management server to settle the transaction details. 19. The method of claim 18,
Wherein the financial product management server is managed and operated by a corporation separately installed in an exchange for managing financial products. 19. The method of claim 18,
Wherein the financial product site provides a hedge tool according to a financial product program registered by a financial product development server. 19. The method of claim 18,
The financial product relay server downloads a Home Trading System (HTS) provided by a securities company to a customer terminal before delivering a purchase order received from a customer to the financial product management server, The method further comprising the steps of:

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