KR102585054B1 - Online stock trading management method and system through P2P loan pledge setting - Google Patents

Abstract

The present invention relates to a method for managing online stock trading. In the online stock trading management method according to the present invention, the server for managing stock trading is a pledgee who wishes to establish a pledge for a stock account, or Receiving a request for setting up a pledge from a user operating the stock account; Receiving information for establishing a pledge between the pledgee and the user and concluding a contract for establishing a pledge online; and managing stock transactions of the user according to the pledge establishment agreement. According to the present invention, it is possible to easily establish rights to stocks as collateral for loans in online stock trading, so stock investors can more easily receive loans, and loan payers can easily establish rights to stocks as collateral for loans. You can. In addition, the present invention allows stock investors to select products that are advantageous to them so that rights established for stocks can be easily changed, and investors can preserve the value of stocks during the contract change process.

Description

Online stock trading management method and system through P2P loan pledge setting}

The present invention relates to a method of managing stock trading online.

As Internet-based technology becomes more widespread, users can now carry out active financial transactions, such as receiving loans or investing in stocks, online through PCs or smartphones anywhere.

In particular, recently, users can receive loans over the phone or the Internet without visiting a bank, and p2p (peer to peer) lending, in which loans are borrowed directly from individuals rather than institutions, is becoming more active.

Accordingly, when investing in stocks, users can receive loans anytime, anywhere in connection with loans and trade stocks through the loans.

In other words, in the current situation where there are no physical restrictions on loans and stock investments, pledgees who provided loans may find it difficult to guarantee loans due to the instability of stock returns, and users may be subject to errors in judgment regarding the stock situation due to moment-to-moment changes. Damage exceeding the loan amount may occur.

In preparation for this situation, systems such as RMS (Risk Management System) have been developed, where securities companies provide stock-collateralized loans to customers and automatically dispose of collateral stocks when the collateral ratio falls below the minimum collateral maintenance ratio due to a decline in stock prices. The service is operating.

However, RMS is a service provided to enable stable investment from the perspective of stock investors. In the case of investors who have provided loans with stocks as collateral through stock loans, etc., although it is possible to preserve the investment principal indirectly through RMS, there is no direct interest in stocks. In order to protect investors' rights, it is necessary for users to enter into a pledge contract between separate investors, and through this, the investor secures the right to repay the loan.

In the current situation, in order to establish a pledge for investment money for stock investment, users need to visit a bank or credit institution in person, and they have to compare various pledge agreements depending on the lender and select the lender that suits them. There are difficulties in doing so, and changes in the pledgee or other contract details are also causing inconvenience to users.

In addition, even if the pledge is changed online, there may be a time difference between the previous contract and the new contract when changing online, which may pose a risk to the stability of the emitting institution's loan.

In order to solve the above technical problem, the purpose of the present invention is to propose a method that facilitates the establishment of rights to stocks as collateral for loans in online stock trading.

In addition, the purpose of the present invention is to propose a method to easily change the rights established for stocks, while preserving the value of the stocks during the change process.

The online stock trading management method according to the present invention to solve the above technical problem is an online stock trading management method in which a server that manages stock trading is used by a pledgee who wants to set up a pledge on a stock account or a user who operates the stock account. A step of receiving a request for establishing a pledge from; Receiving information for establishing a pledge between the pledgee and the user and concluding a contract for establishing a pledge online; and managing stock transactions of the user according to the pledge establishment agreement.

The concluding step causes the contract to be changed or terminated after a predetermined delay time after receiving the intention to change or terminate the pledge contract, and the managing step causes the user's shares to be changed or terminated according to a predetermined rule during the delay time. It is desirable to manage transactions.

The input receiving step is to receive a request for termination of the previous contract from either the pledgee or the pledgee after conclusion of the pledge establishment contract, and the entering step is to generate an electronic contract for a new contract in advance, and to respond to the contract termination request. It is desirable to delay the termination of the previous contract until immediately before the conclusion of the pledge establishment agreement pursuant to the new contract.

In the concluding step, it is preferable to transfer contract information of the previous contract to contract information of the new contract, and provide changed or missing items among the new contract information to the user or the pledgee.

It is preferable that the management step suspends the purchase and sale of stock items included in the pledge of the previous contract while the termination of the previous contract is delayed in the conclusion step.

The concluding step is to update the pledge collateral ratio of the previous contract while the termination of the previous contract is delayed, and compare the updated pledge collateral ratio with a predetermined transaction limit ratio at the time of conclusion of the new contract to contract the new contract. It is desirable to decide whether to conclude or not.

It further includes the step of mutually matching the pledgee list of the pledgers and the user list of the users, wherein the mutual matching step is performed when the pledge establishment contract is concluded, the pledgee's value different from the value for each item in the current contract between the pledgee and the user. It is advisable to periodically compare pledge condition values.

In the mutual matching step, if it is determined that the pledge conditions of the other pledgee are favorable as a result of the comparison, it is preferable to decide whether to conclude a new contract with the other pledgee.

It is preferable that the new contract is a contract in which the pledgee of the previous contract maintains the previous contract but establishes a pledge over the pledge in the previous contract to the new pledgee of the new contract.

According to the present invention, it is possible to easily establish rights to stocks as collateral for loans in online stock trading, so stock investors can more easily receive loans, and loan payers can easily establish rights to stocks as collateral for loans. You can. In addition, the present invention allows stock investors to select products that are advantageous to them so that rights established for stocks can be easily changed, and investors can preserve the value of stocks during the contract change process.

Furthermore, by extracting and matching the counterparty with the most advantageous conditions between the stock investor and the borrower, it is possible to set up an advantageous contract without having to examine the products and contract details one by one.

1 is a diagram illustrating a system in which an online stock trading management method according to an embodiment of the present invention is performed.
Figure 2 is an exemplary diagram showing the configuration of a securities company server according to an embodiment of the present invention.
Figures 3 and 4 are diagrams schematically illustrating the occurrence of a non-set pledge period that may occur when a contract is changed according to an embodiment of the present invention and a solution thereto.
5 to 9 are flowcharts showing an online stock trading management method according to an embodiment of the present invention.
10 to 12 are diagrams illustrating a pledge setting interface according to an embodiment of the present invention.

The following merely illustrates the principles of the invention. Therefore, a person skilled in the art can invent various devices that embody the principles of the invention and are included in the concept and scope of the invention, although not clearly described or shown herein. In addition, all conditional terms and embodiments listed in this specification are, in principle, clearly intended only for the purpose of ensuring that the inventive concept is understood, and should be understood as not limiting to the specifically listed embodiments and states. .

The above-mentioned purpose, features and advantages will become clearer through the following detailed description in relation to the attached drawings, and accordingly, those skilled in the art in the technical field to which the invention pertains will be able to easily implement the technical idea of the invention. .

Additionally, when describing the invention, if it is determined that a detailed description of known technology related to the invention may unnecessarily obscure the gist of the invention, the detailed description will be omitted. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the attached drawings.

1 is a diagram illustrating a system in which an online stock trading management method according to an embodiment of the present invention is performed.

Referring to FIG. 1, in the online stock trading management system according to this embodiment, the securities company server 100 performs the tasks of establishing, canceling, and changing pledges between the user 10 and the pledgee 20.

Specifically, the user 10 transmits stock trading intention to the securities company server 100 in various ways using the user 10 terminal to trade stocks in real time.

At this time, the user 10 terminal is a portable terminal, a mobile terminal, a telematics terminal, a laptop computer, a digital broadcasting terminal, and a personal digital assistant (PDA). , any one of various electronic devices such as Wibro Terminal, IPTV (Internet Protocol Television) terminal, AVN (Audio Video Navigation) terminal, PMP (Portable Multimedia Player), navigation terminal (vehicle navigation device), etc. It can be.

In other words, the user 10 can trade stocks based on information acquired anytime, anywhere through various network terminals that support the existing Home Trading Service (HTS).

The pledgee 20 can directly or indirectly register his/her information on the securities company server 100 and request the user 10 to establish a pledge for the amount provided for stock trading.

At this time, the pledgee 20 can also register its own information directly through the user 10 terminal described above, or by communicating with the securities company server 100 through the pledgee 20 server that manages a plurality of pledgees 20. Able to perform pledge setting work.

The pledgee 20 server transmits and receives information between the pledgees 20 and the securities company server 100, and manages the information of various pledgees 20. For example, it manages information on lenders who have paid loans to users (10) for stock investment, and allows lenders to establish pledges on stocks, deposits, and other financial investment products as collateral for loan claims. .

Furthermore, when configured as a pledgee (20) server, the securities company server (100) records information such as the user's (10) stock trading items and loan amount, and the loan amount and loan amount transmitted by the pledgee (20) from the pledgee (20) server. Mutual matching can be determined through information such as interest, items that can be pledged, and transaction limit ratios.

In other words, the securities company server 100 matches the information on each item in the mutual pledge establishment agreement between the user 10 list and the pledgee 20 list and sends the pledgee 20 information with the highest matching degree or the most advantageous to the user ( By providing it to 10), the user 10 can more conveniently select a pledge product that suits him/her.

Hereinafter, with reference to FIG. 2, the work performed by the securities company server 100 between the user 10 and the pledgee 20 in this embodiment will be described in more detail.

Figure 2 is an exemplary diagram showing the configuration of a securities company server 100 according to an embodiment of the present invention.

Referring to FIG. 2, the securities company server 100 according to this embodiment includes a securities company ledger server 110, a securities company business server 120, a securities company HTS server 130, a securities company order server 140, and a securities company transaction management server ( 150) may be included.

The securities company ledger server 110 can store and manage the information of users 10 who trade stocks through the securities company server 100, account information, condition information for stock trading, pledge details, etc. for each user 10. .

The securities company business server 120 is a server that manages the general business of the securities company, and registers information related to the pledgee 20 according to this embodiment, or provides information about the pledgee 20 or the pledgee 20 through the pledgee 20 server. You can perform the task of retrieving information.

The securities company's HTS server transmits and receives mutual information with the user's (10) terminal, performs the task of registering information according to the customer's pledge settings, and the securities company's ledger server (110) records the relevant information in the corresponding user's (10) information. Please update it. In addition, the details of the pledge can be searched through the securities company ledger server 110, and when a change or termination of the pledge occurs, the details can be forwarded to the securities company ledger server 110.

The securities company order server 140 performs the order of the user 10 through the securities company HTS server, and together with the securities company transaction management server 150, stops trading according to the trading limit ratio set by the customer and reverses stock trading through the securities company HTS. A request can be made to the server 130. Furthermore, this information can be transmitted to the securities company ledger server 110 and the securities company transaction management server 150.

The Daum securities company transaction management server 150 restricts transactions by considering the collateral ratio, asset ratio, etc. to minimize the damage of the user 10 and the damage of creditors, and exceeds the transaction limit ratio preset by the user 10. In this case, it performs the task of managing the asset status of the user (10) so that it can immediately and automatically limit transactions and execute counter-trades.

Specifically, explaining the operation of each configuration in time series, first, the securities company business server 120 may set information related to the pledgee 20 in the securities company ledger server 110. Once information related to the pledgee (20) is set, the securities company's HTS server (130) registers the customers subject to pledge setting by the pledgee (20) in the securities company ledger server (110), and the user (10) consents to the items for setting up the pledge. Information can be conveyed.

Next, the securities company ledger server 110 can request an inquiry into the details of pledge establishment through the securities company business server 120 and receive confirmation information.

When the pledge setting contract information between the user 10 and the pledgee 20 is entered into the securities company server 100 through the above process, the securities company transaction management server 150 continuously manages the asset status of the user 10 and pledges the pledge. You can check whether the conditions specified in the setup contract are met.

At this time, if the transaction limit ratio determined at the time of the pledge establishment contract is exceeded, the securities company transaction management server 150 requests the securities company order server 140 to execute a counter-trade, and the user 10 information regarding this is sent to the securities company order server 140. ) can be confirmed through the securities company ledger server 110 and request the securities company HTS server 130 to execute a reverse trade.

Next, the securities company ledger server 110 can repay the pledge amount and terminate the pledge establishment contract through a counter sale executed through the securities company HTS server 130.

In other words, the user 10 can enter into a pledge establishment contract through the securities company server 100, and damages can also be limited through stock trading limited according to the pledge establishment conditions.

Furthermore, since the securities company server 100 according to the present invention compares the conditions of the user 10's stock transaction and the pledge establishment contract in real time, compliance with the conditions of the pledge establishment contract may be changed in real time depending on the conditions. It is also possible for the user 10 to terminate the previous contract and simultaneously enter into a pledge establishment contract with the new pledgee 20 through a new loan and continue to conduct stock transactions.

In other words, the establishment and termination of the pledge establishment contract can occur in real time, and the securities company transaction management server There may be periods when it cannot be managed at (150) and damages may occur as a result.

In addition, if the user (10) requests a change in the contract terms of the existing pledgee (20) rather than a change to terminate the previous contract and establish a contract with the new pledgee (20), the user (10) inputs to set the contract terms. Delays may occur due to business processing times, such as time or registration time of changed information in the securities company ledger server 110, and damage to the stocks of the user 10 or the bonds of creditors may occur during this delay time. there is.

Hereinafter, a method for compensating for damage will be described in more detail with reference to the drawings.

Figures 3 and 4 are diagrams schematically showing the occurrence of a non-set pledge period that may occur when a contract is changed according to an embodiment of the present invention and a solution thereto.

First, referring to FIG. 3, as described above, the user 10 can check the information of various pledgers 20 on the server of the pledgee 20 through the securities company server 100, and set the pledge proposed by the pledger 20. You can set the pledge that is most advantageous to you through conditions, etc.

Accordingly, the user 10 can terminate the previous contract and enter into a new contract in accordance with changing information such as his or her assets, stock items, collateral ratio, etc., and may, for example, use the securities company transaction management server 150 through the network. You can cancel the pledge setting directly through your user (10) terminal and apply for a new pledge setting.

However, in this case, even if the user (10) continuously terminates the previous contract and wishes to enter into a new contract, the time to terminate the contract (31), the time to enter information for establishing a new contract, and process the entered information to establish a pledge Delays may occur depending on the time of application (33) or registration in the securities company ledger server (110) (33).

In other words, during the delay period, the user 10 may not be able to protect his or her assets, and the creditor holding the loan claim may temporarily use collateral to protect his or her claim during the period 32 during which the pledge is not set according to FIG. 3. There may be a risk of disappearance.

To solve this, referring to FIG. 4, the securities company server 100 according to this embodiment causes the contract to be changed or terminated after a predetermined delay time after receiving the intention to change or terminate the pledge establishment contract, and the delay time During this time, stock trading of the user 10 can be managed according to predetermined rules.

More specifically, when a request for termination of the previous contract is received from either the pledgee (20) or the pledgee after the conclusion of the pledge establishment contract, an electronic contract for a new contract is created in advance at the relevant time (41), and the contract termination request is received. The termination period (44) of the previous contract according to the contract may be delayed (42) until immediately before the conclusion of the contract for establishing the pledge according to the new contract, thereby minimizing the period for which the pledge has not been established (43).

In other words, even if the user 10's order to terminate the pledge establishment contract is entered, the actual processing period is delayed, the previous contract is maintained, and the termination is intentionally postponed until just before application for a new contract, thereby maintaining the assets of the user 10. and protect the claims of creditors.

Hereinafter, a method for managing online stock trading through the securities company server 100 according to the above-described embodiment will be described in more detail with reference to the drawings.

Figure 5 is a flowchart showing an online stock trading management method according to an embodiment of the present invention.

Referring to FIG. 5, the online stock trading management method according to this embodiment includes the step of receiving a request for setting up a pledge from a pledgee 20 who wants to set up a pledge on a stock account or a user 10 operating the stock account ( S100), receiving information for establishing a pledge between the pledgee 20 and the user 10, and concluding a pledge establishment agreement online (S200), and the user 10 according to the pledge establishment agreement. It may include a step of managing stock transactions (S300).

First, in the step of receiving a request for establishing a pledge (S100), a request may be received from the user 10 to establish a pledge for a loan for stock investment. When a request is made to set up a pledge, the securities company server 100 may provide an interface to the user 10 for setting up a pledge to the user's 10 terminal.

Next, in the step of concluding a pledge establishment contract online (S200), information for establishing a pledge between the pledgee 20 and the user 10 is input, and the pledge establishment contract can be concluded online.

That is, in the step of receiving a request for setting up a pledge (S100), the user 10 is provided with a user 10 interface for applying for setting up a pledge in a predetermined format on the securities company server 100, and provides information for setting up a pledge accordingly. You can enter and conclude a pledge establishment contract online (S200).

This will be described in more detail with reference to FIG. 10.

Figure 10 is a diagram illustrating a pledge setting interface according to an embodiment of the present invention.

Referring to FIG. 10, the user 10 can access the securities company server 100 and be provided with the pledge setting interface provided by the securities company transaction management server 150 described above.

Through the provided interface, the user 10 selects the account number that is the target of his or her pledge and performs authentication using a password, real name verification number, etc.

In addition, you can select the pledgee (20) and check whether your investment items match the pledgeable items of the pledgee (20) through the pledge setting details. Next, you can apply for pledge establishment by checking the pledge establishment agreement and other special provisions.

In addition, through this interface, the user 10 can check the information on the pledges set in his account, and through this, if he wants to cancel the pledge settings, he can check and cancel the pledger 20 information and the pledge settings.

According to FIG. 10 above, the user 10 can conclude a pledge establishment contract by confirming the information of the pre-approved pledgees 20 and applying for pledge establishment, but the user 10 can directly enter into a pledge establishment contract for the period, amount, and transaction related to the pledge establishment. It is also possible to select a limiting ratio and request the pledgee's (20) approval accordingly.

Referring to FIG. 11, FIG. 11 shows the user 10 interface through which the user 10 directly selects the conditions for establishing a pledge and applies for establishing a pledge. In this case, the step of concluding a contract for establishing a pledge online is performed by the user. The application for consent to establish a pledge entered by (10) can be delivered to the pledgee (20), and through this, a contract can be concluded depending on whether or not the pledgee (20) approves.

To this end, the user 10 interface according to FIG. 11 automatically displays the account number of the user 10 on the screen (111) and allows the user to confirm that it is his/her account through the customer name. It is also possible to inquire the pledge status associated with the account through the inquiry button 112.

A menu 113 can be provided to check whether existing pledge setting details exist by processing classification.

The user 10 can directly select the pledgee 20 for his or her account through the next pledger 20 selection menu 114. At this time, as described above, in this embodiment, the securities company server 100 can compare the list of pledgees 20 and the list of users 10 and show the pledgers 20 that are most advantageous to the current user 10 in order. there is.

Next, the menu for selecting the pledge establishment period allows selection of the pledge establishment start date and end date (115). When the pledge payment date arrives, the pledge amount can be automatically transferred to the pledgee's (20) account at 4 p.m. on the end date.

The deposit held in the account is automatically displayed by directly checking the account number indicated above (116), and the user (10) can directly enter the pledge amount (117). When the pledge amount is entered, the collateral ratio to the deposit of the current pledge is automatically displayed (118), and the loss cut setting ratio is set as the transaction limit ratio (119), so that if the collateral ratio of the user (10) falls below the loss cut setting ratio, Transactions are automatically restricted and counter-trades can be executed.

When an opposition sale is executed, the pledge amount may be automatically transferred to the pledgee's (20) account if the loss cut rate remains below the set loss cut rate for a certain period of time, including the opposition sale date. At this time, it may be performed in priority of the end date of existing pledge establishment.

In addition, as a special contract for the designation of the pledgee (20), this is a matter directly designated by the pledgee (20) selected by the user (10), such as whether it can be sold (120), inquiry of items available for sale (121), and whether deposits and withdrawals are possible (122). , it can display items related to stock trading, such as availability for stock/delivery (123) and overnight availability (124).

At this time, only the amount exceeding the set loss cut ratio can be withdrawn to guarantee the creditor's collateral, and if overnight is set to impossible, the reverse trade will be executed before the closing price of the stock market.

After confirming the above contents and the user 10 confirming the application for pledge approval, the securities company server 100 delivers the application documents to the pledgee 20 or the pledgee 20 server. Next, when the pledgee (20) server confirms and approves the application, a pledge establishment contract is concluded.

Furthermore, the stock transaction management method according to this embodiment can recommend the most advantageous pledgee 20 to the user 10 by matching the user 10 and the pledgee 20 as described above.

Therefore, as a premise for this, in this embodiment, the securities company server 100 provides the user 10 interface for registration of the pledgee 20 in advance to the pledgee 20 and manages the pledge setting condition information of the pledgers 20 through this. can do.

This will be explained in more detail with reference to FIG. 12.

Referring to FIG. 12, the user 10 interface for registering the pledgee 20 may provide a processing status selection menu 131 on the screen through which the user can check his/her current status. In other words, the pledgee (20) can search for items that can be pledged according to the processing status, change the registered contract details for pledge setting, or check and change the contract details through inquiry. It is also possible to check the details of canceled pledges.

At this time, the integrity can be verified by entering the team point password for each team of pledgees (132).

When the pledgee (20) checks the terms of his contract, personal information such as the pledgee's name (133), resident registration number (134), account number (135), contact information (136), and address (137) is displayed, and through this, Allows you to check whether or not.

As the next specific condition, a menu is provided to select items (138) that can be pledged. Through this, the pledgee 20 can select one by one the stock items that he or she wishes to set as a pledge, and the selection information at this time can be displayed in the application information for the user 10's pledge setting approval application according to FIG. 11 described above.

In addition, as a special contract, a selection menu is provided for matters such as whether it is possible to sell (139), whether it is possible to stay overnight (140), whether deposits and withdrawals are possible (141), whether deposits and shipments are possible (142), etc., and the information selected by the pledgee (20) is provided. The user 10 is provided with the user 10 interface according to FIG. 11 and can decide whether to apply for the establishment of a pledge.

In relation to whether or not it can be traded, when it is set as available for trading, it may be set as impossible to purchase items other than those set in the items that can be pledged above.

As described above, if overnight is set to impossible, reverse trading will be executed before the same market closing price. If deposit/withdrawal is set as possible, withdrawal for the amount exceeding the loss cut ratio can be permitted.

Additionally, a menu 143 may be included at the bottom that organizes and displays the pledge registration status of the pledgee 20 in a table.

When a pledge establishing contract is concluded between the user 10 and the pledgee 20 according to the above process, the step of managing the stock trading of the user 10 manages the stock trading of the user 10 according to the pledge establishing contract.

In other words, the pledgee 20 can set the tradable items, transaction limit ratio, trading time, etc. of the user 10, and accordingly manages the user 10 to perform stock trading within limited conditions, through which It is possible to limit damage to the assets of the user 10 and protect the claims of creditors.

As above, the stock transaction management method according to this embodiment manages stock transactions accordingly once the pledge establishment contract is concluded, but changes or termination of the established contract may occur in real time in the rapidly changing stock market, and there may be a time difference due to the change. As a result, there may be a period in which stock transactions cannot be managed by the securities company's transaction management server 150, and losses may occur as a result.

In order to solve this problem, the stock trading management method according to the present invention causes the contract to be changed or terminated after a predetermined delay time after receiving the intention to change or terminate the pledge contract, and according to a predetermined rule during the delay time. Manages stock trading of the user 10.

Specifically, referring to FIG. 6, the input receiving step (S100) may receive a request for termination of the previous contract from either the pledgee 20 or the pledgee after the conclusion of the pledge establishing contract (S10).

When a contract termination request is entered (S10), the conclusion step (S200) creates an electronic contract for a new contract in advance (S20). In other words, the link is configured so that the user 10 interface for a new contract can be immediately provided to the user 10 at the time of contract termination request, or is delivered to the user 10 terminal in advance.

Next, the termination of the previous contract according to the contract termination request is delayed until immediately before the conclusion of the pledge establishment contract according to the new contract (S30). Through this, the period of non-establishment of the pledge according to FIG. 4 can be minimized.

The next step (S200) is to conclude a new contract almost simultaneously with the termination of the previous contract (S40).

Furthermore, referring to FIG. 7, the management step (S300) may restrict transactions while the termination of the previous contract is delayed in the conclusion step (S200) (S70). Specifically, it minimizes losses during changes to the contract by suspending the trading of stock items included in the pledge of the previous contract.

In more detail, referring to FIG. 8, the stock trading management method according to this embodiment compares the items subject to pledge in the previous contract and the items subject to pledge in the new contract to determine the items to be suspended (S82), and terminates common items. Transactions within the delay period can be restricted (S84).

Through this, the inconvenience to the user 10 of being restricted from trading in items unrelated to changes in the pledge contract is minimized, and damage to the assets of the user 10 and creditors' claims is minimized through restrictions on trading of common items.

Next, in the concluding step (S200), the contract information of the previous contract is transferred to the contract information of the new contract, and items that are changed or omitted among the new contract information are provided to the user 10 or the pledgee 20. do. This prevents the period for pending termination of the previous contract from becoming unnecessarily long and allows the user (10) to check only the items that are changed and quickly conclude a new contract.

In addition, in the concluding step (S200), the pledge collateral ratio of the previous contract is updated while the termination of the previous contract is delayed, and the updated pledge collateral ratio is compared with a predetermined transaction restriction ratio at the time of conclusion of the new contract. Thus, it can be decided whether or not to conclude the new contract.

In other words, the pledge collateral ratio is an essential item when applying for approval to establish a pledge, as shown in Figure 11, and allows the loss cut ratio, etc. to be set based on this. By periodically checking the pledge collateral ratio, damage to creditors is prevented and the effectiveness of the pledge is established. This can prevent damage.

Furthermore, referring to FIG. 9, as described above, the stock transaction management method according to this embodiment can recommend customized pledge products to the user 10, including the list of pledgers 20 and the above. A step (S92) of matching the user 10 lists of the users 10 with each other may be further performed.

At this time, in the mutual matching step (S92), when the pledge establishment contract is concluded, the value of each item in the current contract between the pledgee 20 and the user 10 is periodically compared with the pledge condition value of the other pledgee 20. (S94), if it is determined that the pledge conditions of the other pledgee (20) are favorable as a result of the comparison, it can be decided whether to conclude a new contract with the other pledgee (20) (S96).

Additionally, in this embodiment, contract changes can be carried out in parallel in addition to a general pledge contract in which mutual termination and renewal occur sequentially.

For example, a new contract may be established as a contract in which the pledgee (20) of the previous contract maintains the previous contract with respect to the new pledgee (20) of the new contract, but establishes a new pledge for the pledge in the previous contract. In this case, since there is no period for not setting the pledge according to FIGS. 3 and 4, it can be performed according to the input time of the general user (10) without performing separate transaction restrictions and steps to suspend termination of the previous contract. there is.

Through this, when the delay period is unnecessary, system efficiency can be increased by preventing the system resources according to the above-described embodiment from being input to set the delay period.

Furthermore, even in the above-described parallel case, various situations can be classified depending on the item, so it is also possible to manage transactions independently for each item.

In other words, when the pledge is reset for a specific item and the pledge is changed for another item, system resources are efficiently utilized by confirming the delay period setting and update of the collateral ratio according to the above-described embodiment only for the item being changed. It can be managed with

According to the present invention, it is possible to easily establish rights to stocks as collateral for loans in online stock trading, so stock investors can more easily receive loans, and loan payers can easily secure rights to loans. You can set it. In addition, the present invention allows stock investors to select products that are advantageous to them so that rights established for stocks can be easily changed, and investors can preserve the value of stocks during the contract change process.

Furthermore, by extracting and matching the counterparty with the most advantageous conditions between the stock investor and the borrower, it is possible to set up an advantageous contract without having to examine the products and contract details one by one.

The above description is merely an illustrative explanation of the technical idea of the present invention, and various modifications, changes, and substitutions can be made by those skilled in the art without departing from the essential characteristics of the present invention. will be.

Accordingly, the embodiments disclosed in the present invention and the accompanying drawings are not intended to limit the technical idea of the present invention, but are for illustrative purposes, and the scope of the technical idea of the present invention is not limited by these embodiments and the attached drawings. . The scope of protection of the present invention should be interpreted in accordance with the claims below, and all technical ideas within the equivalent scope should be construed as being included in the scope of rights of the present invention.

Claims (2)

In the method of managing stock transactions by setting up loan pledges, a server that manages stock transactions,
Concluding a contract according to a pledge establishment agreement for establishing a pledge between a pledger who wishes to establish a pledge on a stock account and a user who operates the stock account through a loan paid from the pledger;
Including the step of managing stock transactions of users with whom the contract has been concluded,
In the conclusion step, after receiving the intention to change the pledge establishment contract, the contract is changed after a predetermined delay time for the information about the change in the pledge within the server to be reflected in the securities company ledger server,
The managing step manages the user's stock trading according to predetermined rules during the delay time,
The predetermined rule is a stock trading management method through loan pledge setting, characterized in that the transaction of a specific item is managed by comparing the settings of the pledge before the change and the settings of the pledge after the change during the delay time. delete