KR20000054225A - A debenture report supply method on Internet - Google Patents

Abstract

PURPOSE: A method for supplying bond information on the internet is provided to supply information on customers purchasing bonds to customers having the pre-issued bonds or creditors and to supply appropriate bond information to the bond-purchasing customers, by providing bond issuing information to the customers(investors) to collect accepting conditions of the customers intending to accept the bonds and by collecting information on accepted amounts of materials, to offer the accepting conditions and the information to bond issuers. CONSTITUTION: A method for supplying bond information on the internet comprises the steps of: generating identifications(IDs) and home pages for registering bond issuers, and storing information of the bond issuers and new bond information in a customer managing database and an investment offer database; opening management accounts for registering customers selling pre-issued bonds, and storing the customers and bond information of the customers in the customer managing database and the investment offer database; opening management accounts for customers accepting the bonds, and storing investment intention information for accepting conditions of the bonds-accepting customers in the customer managing database; retrieving the investment offer database to search bonds appropriate for the accepting conditions; and supplying bond information appropriate for the investment intention information to customers purchasing the bonds, and supplying investment intention information of the corresponding customers to the bond issuers or the customers selling the bonds.

Description

A debenture report supply method on Internet}

The present invention provides a method for providing bond information on the Internet, and more specifically, provides information on issuance of a customer who is willing to purchase (take over) the bond issuance information and provides the customer (investor) with information such as the amount of the acquisition and the quantity to be acquired. The present invention relates to a method of providing bond information on the Internet that can be collected and provided to a bond issuer.

In addition, the present invention obtains the offer price information for the newly issued bonds or issued bonds based on a variety of information provided online or offline to provide in real time to customers to buy / sell bonds on the Internet To provide information on bonds.

The price of bonds traded in the retail market is changing every day. Bond prices vary by a number of factors, such as market interest rates, external factors such as economic conditions, and internal factors such as bond maturity and the issuer's insolvency risk.

As a result, investors investing in bonds may have an internal impact on bond prices, including bond maturity, surface interest rates, terms of repayment, taxation, and other economic trends that affect bond prices, government fiscal and financial policies, and demand for bonds. A basic understanding of the overall economic conditions, such as seasonal changes in supply and financial markets, is required.

The bond yield, which determines the bond's profit, is a commonly used measure of the bond's investment performance in terms of the interest rate of the bond. In other words, it is a discount rate that matches the present value of the cash flows obtained from bond investments with the market price of the bonds, which means that the investment return generated in a certain period when the investment is made is divided into the investment source and converted into the investment period.

These bond yields generally have two meanings. One is that bond yield is a measure of the price of a bond, and the yield can be calculated by knowing the bond's starting price. On the other hand, bond yields are similar to deposit interest rates and are used as a basis for comparing bonds with different surface interest rates, remaining periods, and market prices.

However, the yield on bonds can be obtained through banks, securities companies, and various financial institutions, and bond transactions are not actively performed. In other words, unlike ordinary commodities, it is difficult to calculate the selling price because it involves transaction terms such as maturity, surface interest rate, additional interest rate according to the issuer's credit rating, and discount rate. Its drawback is that it is difficult for small investors to access large trading units (usually more than several billion won).

In addition, the open market (both on- and off-market) for bond trading mainly deals with fixed-line trading practices among institutional investors (mainly investment trust companies, securities companies, banks, etc.), which limits the participation of private investors and bond trading. Since there is no cyber trading base online or through the Internet, there is no internet environment providing bond trading information and quotation.

In addition, since the offer information that fully accommodates the complexity of the terms of the trade is not concentrated, it can be seen that the general investor cannot put a trading intention through this information.

The present invention can provide the information of the customer who will purchase the bond at an appropriate price to the issuer of the bond or the customer who has issued the bond, and also provide the customer who wants to purchase the bond to meet the acquisition conditions desired by the customer. The purpose is to provide a method of providing bond information on the Internet.

1 is a block diagram illustrating a system for providing bond information on the Internet according to the present invention.

2 is a flowchart illustrating a process of providing bond information for a newly issued bond on the Internet according to the present invention.

FIG. 3 is a flowchart illustrating a registration and sale procedure of a customer who wants to sell a bond in FIG. 2.

FIG. 4 is a flowchart illustrating a registration and purchase process of a customer who wants to buy a bond in FIG. 2.

※ Explanation of code about main part of drawing ※

110: server system 111: server engine

112: customer management database 113: web pages

114: Bond Issuer Homepage 115: Customer ID Management Database

116: investment offer database 117: quotation information database

120: subscriber (customer) 121: web browser

In order to achieve the above object, a method of providing bond information on the Internet according to the present invention generates an ID and a homepage for registering a member of a bond issuer who has issued a new bond, and then stores it in a customer management database and an investment offer database. After creating the first step of storing the bond issuer information and the new bond information respectively, and creating a management account for registering the membership of the customer to sell the issued bond, the customer and the bond information of the customer are stored in the customer management database and investment. A second step of storing each of the offer database in the offer database, and a third step of creating a customer management account for the acquisition of the bond and storing the investment intention information about the customer and the acquisition conditions required by the customer in the customer management database. Search the investment offer database to find a bond that meets the terms and conditions of the customer who wants to purchase the bond. And a fourth step of finding a bond information suitable for the investment intention information to the customer who wants to buy the bond and a fifth step of providing the investment intention information of the customer to the bond issuer and / or the customer who wants to sell the bond.

In the second step, receiving a sale offer for selling a bond from a customer to confirm receipt of an application; generating a management account of the customer for selling a bond when the payment of money for the registration of the customer is confirmed; Providing the information on the offer registration and registration number in the customer's management account is further provided, and the cost for membership registration of the customer is settled by one of the online payment through the electronic card, credit card or financial institution desirable.

In the third step, receiving the purchase offer for the purchase of the bond from the customer, confirming the application acceptance; generating a management account of the customer for the purchase of the bond when the payment of the cost for the registration of the customer is confirmed; Providing the information on the offer registration and registration number in the customer's management account is further provided, and the cost for membership registration of the customer is settled by one of the online payment through the electronic card, credit card or financial institution desirable.

The fourth step is to obtain the offer price information for the bond according to the type, grade, issuer, maturity date, quantity, desired price, surface interest rate, present value, etc. It is appropriate to provide it to the customer. Here, the type, grade, issuer, maturity date, quantity, desired price, surface interest rate, present value, etc. of the bond for obtaining the offer price information may be provided online and / or offline.

Bond information on bonds built on the investment offer database is automatically deleted after the purchase / purchase by the customer after the database is made, or when the period specified by the customer has passed after the database is made or after the database is made It is preferable to automatically delete when a predetermined time elapsed.

Another embodiment of the present invention is characterized in that it further comprises the step of retrieving the bond information for the new or issued bond from the investment offer database to the customer according to the customer's request to purchase the bond.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

First, the World Wide Web (WWW) service on the Internet and the network will be briefly described in order to understand the present invention.

WWW service is based on Hyper Text Transfer Protocol (HTTP), and the service is made by exchanging documents written in HTML (Hyper Text Mark-up Language). WWW service generally has several hyperlinked elements in one service screen. If this element is an HTML document, the document is reloaded. From a service provider's point of view, it is necessary to create and manage various types of documents. If the number of documents is large or fluctuates, if the URL (Uniform Resource Locator) changes or duplicates a lot of data, it becomes difficult to manage them. In addition, CGI technology can show WWW users data such as databases not related to WWW.

HTTP is a communication protocol used when communicating between a client and a server in a WWW service. HTTP can effectively send and receive data in the form of hypermedia in a distributed network environment, and it operates on a simple principle that a server that receives a client's request sends an answer. The client makes a request to the server according to the URL format. The server receives the information and sends the information to the client according to the MIME (Multipurpose Internet Mail Extension) format.

Uniform Resource Locator (URL) is a standard address used to indicate the location of various resources on the Internet. In the WWW, the client requests data in order to request specific data from the server. The protocol and service name and location must be specified. The system used is standardized by URL. The URL is described according to the format shown in Table 1 below.

http://www.youm.ac.kr/index.html

MS ASP (Active Server Page) is a type of server script on the network for connecting between external applications of the WWW server. This is not to provide WWW server unilaterally, but to allow the WWW server to dynamically accommodate the user's needs. In general, HTML documents do not change at all until they are converted into editors, whereas MS ASP (Active Server Pages) creates and serves documents on demand, and prevents server-side script publishing. In most cases, display forms are embedded within a server-side ASP server (Active Server Page Program).

Referring to FIG. 1, each subscriber 120 is provided with a web browser 121 for inputting various types of information required by a business operator and outputting various information provided by the business operator, that is, a server system 110. The server engine 111, the customer management database 112, the web page 113, the bond issuer homepage 114, the customer ID management database 115, the investment offer database 116, the quotation information database ( 117) and the like.

More specifically, the server engine 111 of the server system 110 accepts an HTTP request for accessing a web page by a URL and serves to provide a web page to various subscribers. The customer management database 112 constructs and manages a variety of information of a bond issuer or a customer who wants to sell a new or issued bond as a database, and manages and manages the customer ID management database 115. The company establishes and manages ID information of a bond issuer, a customer who wants to sell a new or issued bond, or a customer who wants to buy a bond, and the investment offer database 116 manages the new or issued bond. It will build and manage a database of various bond (offer) information of the issuer or customer who wants to sell or the customer who wants to buy the bond.

In addition, the quotation information database 117 can be constructed and managed as a database after obtaining (close) quotation information for the bond issuer or customer who wants to sell a new or issued bond or a customer's bond that is to buy the bond. do.

In addition, the bond issuer homepage 114 is provided to the bond issuer who issued the new bond, and the bond issuer may display various information about the bond issuer and various information about the bond on the homepage 114.

Before describing the overall operation of the present invention, a process of registering and selling a customer who wants to sell a bond will be described with reference to FIG. 3.

When a customer who can connect through the Internet connects to the server system 110 and then applies for registration to sell the bond (S31) (S32), the server system 110 confirms the receipt of the application and the cost for the customer to register. Check whether the payment (S33).

Here, the payment for the membership registration of the customer, the customer's electronic card or credit card that can be used on the Internet or online at each financial institution may be made.

When the cost for membership registration is settled, the server system 110 generates a management account of the customer for selling the bond (S34) while storing various kinds of information of the customer in the customer management database 112, and the customer sells. The bond information for the bond to be stored is stored in the investment offer database 116. Of course, the server system 110 stores the information on the bond in the investment offer database 116 and at the same time the type, issuer, maturity date, quantity, desired price, etc. of the bond entered by the customer through online and / or offline. The quote of the relevant bond is obtained from information such as surface interest rate and present value, which are the disclosure data of the association, and is stored in the quote information database 117.

The server system 110 registers the customer who applied for the offer registration for the sale of the bond as a member, and notifies the customer of the registered customer registration number.

In this way, the server system 110 that has completed the membership registration of the customer who wants to sell the bond, searches the customer management database 112 and the investment offer database 116 and presents the acquisition condition close to the selling condition of the bond to be sold. Find the customer (buyer). The server system 110 provides the customer with the bond information for sale while providing the customer with the bond, the customer information for the purchase of the bond (S36).

Subsequently, after the bond transaction between the customers who have obtained the information for selling / purchasing the bond is performed off-line, the server system 110 transmits the bond information for selling / buying of the customer and the customer to the customer management database 112. Delete from the investment offer database 116.

In this way, the customer and customer bond information established in the customer management database 112 and the investment offer database 116 may be deleted. When the database is automatically deleted, or when the information is built into the database, the database may be automatically deleted after a predetermined period of time designated by the operator when the database is constructed by the customer.

Of course, if all the bonds requested by the customer has been sold, the server system 110 may delete the information completely, but information about some of the bonds bought and sold among the bonds requested by the customer, that is, the transaction items in the customer's management account, Price history and expiration date, present value, rate of return, etc. are automatically managed from time to time (S38).

In addition, Figure 4 is a flow chart showing the registration and purchase process of the customer who wants to buy the bond, the customer who can connect through the Internet through the server system 110 to apply for registration to purchase the bond (S41) (S42 ), The server system 110 checks the application acceptance and checks whether the customer paid for the membership registration (S43).

Here, the payment for the membership registration of the customer, the customer's electronic card or credit card that can be used on the Internet or online at each financial institution may be made.

When the cost for membership registration is settled, the server system 110 generates a management account of the customer for the purchase of the bond (S44) while storing various kinds of information of the customer in the customer management database 112, and the customer buys The bond information for the bond to be stored is stored in the investment offer database 116. Of course, the server system 110 stores the information on the bond in the investment offer database 116 and at the same time the type, issuer, maturity date, quantity, desired price, etc. of the bond entered by the customer through online and / or offline. The quote of the relevant bond is obtained from information such as surface interest rate and present value, which are the disclosure data of the association, and is stored in the quote information database 117.

The server system 110 registers the customer who applied for the offer registration for the purchase of the bond as a member, and notifies the corresponding customer of the registered customer registration number.

In this way, the server system 110 that has completed the membership registration of the customer who wants to buy the bonds searches the customer management database 112 and the investment offer database 116 to present the customer (seller) who presented the terms and conditions of the bonds to be bought. Find out. In addition, the server system 110 provides customer information and bond information for sale to the corresponding customer and provides customer information to purchase the bond to the customer who has issued the bond (S46).

Subsequently, after the bond transaction between the customers who have obtained the information for selling / purchasing the bond is made off-line (S47), the server system 110 stores the bond information for the selling / buying of the customer and the customer in the customer management database ( 112 and the investment offer database 116.

The method of deleting the customer and the customer's bond information established in the customer management database 112 and the investment offer database 116 is the same as above.

Of course, if all the bonds requested by the customer has been sold, the server system 110 may delete the information completely, but information about some of the bonds bought and sold among the bonds requested by the customer, that is, the transaction items in the customer's management account, Price history and expiration date, present value, rate of return, etc. are automatically managed from time to time (S48).

Thus, the overall operation of the present invention including the process of providing a member registration and bond information of the customer for the sale of bonds will be described with reference to FIG. 2, but the detailed description thereof will be omitted.

First, when a bond issuer who newly issued a bond is connected to the server system 110 for membership registration, the server system 110 assigns an ID to the bond issuer while the bond issuer homepage 114 displays the bond issuer. Open your homepage. In addition, the server system 110 stores customer information about the bond issuer, ie, the customer, in the customer management database 112, while storing the bond information of the bond newly issued by the bond issuer in the investment offer database 116. do. Of course, the server system 110 stores the information on the bond in the investment offer database 116 and at the same time the type, issuer, maturity date, quantity, desired price, etc. of the bond entered by the customer through online and / or offline. The quotation of the corresponding bond is obtained from information such as surface interest rate and present value, which are the disclosure data of the association, and is stored in the quotation information database 117 (S21).

Here, the customer who wants to buy and sell the bond is connected to the server system 110 via the Internet regardless of time or place, and then the information on the bond issuer posted on the bond issuer homepage 114 and the bond issued by the bond issuer. You will be able to obtain various bond information.

In addition, when a customer for sale of a bond is connected to the server system 110, the server system 110 generates a management account of the customer and stores information about the customer in the customer management database 112. The bond information that the customer wants to sell is stored in the investment offer database 116. Of course, even at this time, the server system 110 obtains the offer price information for the bond and stores it in the offer price information database 117 (S22).

When the customer for the bond purchase is connected to the server system 110, the server system 110 generates a management account of the customer and stores the information about the customer in the customer management database 112, and The bond information that the customer wants to buy is stored in the investment offer database 116.

After establishing a database of the bond issuer and the bond issued by the bond issuer, and the customer wants to sell the issued or newly issued bonds and the bonds the customer wants The server system 110 searches the customer management database 112, the investment offer database 116, and the offer price information database 117 to find customer and bond information suitable for bond sales (S24).

In addition, the server system 110 provides bond information suitable for investment intention information to a customer who wants to purchase a bond, and provides investment intention information of the customer to a bond issuer and / or a customer who wants to sell the bond (S25).

In addition, the server system 110 retrieves the bond information for the new or issued bond from the investment offer database 116 according to the customer's request to purchase the bond, and provides the customer with more diverse bond information. You can see.

According to the present invention, it is possible to provide the information of the customer who will purchase the bond at an appropriate price to the issuer of the bond or the customer with the issued bond, and provide the bond information that meets the acquisition conditions desired by the customer to purchase the bond. In addition, it is possible not only to activate bond trading but also to provide various information in real time to customers who want to buy or sell bonds.

In other words, the present invention intends to promote efficient bond trading by allowing general customers to access bond information through the Internet, and the newly issued bond information can be provided to the general public on the Internet so that even small investors can receive the bond information. In addition to the opportunity to acquire newly issued bonds on the basis of this issue, published bond information held by individuals or corporations is also posted on the Internet, resulting in active bond transactions between customers who want to buy / sell bonds. There is.

In addition, the present invention can centrally manage issuance, buy, and sell information of bonds to activate bond transactions, while automatically searching for buy, sell, and issue offers to provide customers with various quotation information. There is an effect that can provide the real-time price information to the customer for selling / buying.

In addition, the present invention is provided to a customer who wants to buy / buy the bid / ask information of the bond, which reflects various trading conditions unlike the general merchandise traded based on price, and auctions / reverse auctions, and the customer's intention to buy The information is delivered to the issuer (customer) who issues or holds the bond, which can lead to more active bond trading.

Although the present invention has been described in detail only with respect to the described embodiments, it will be apparent to those skilled in the art that various modifications and variations are possible within the spirit of the present invention, and such modifications and modifications belong to the appended claims.

Claims (11)

A first step of generating an ID and a homepage for registering a member of a bond issuer who issued a new bond and storing the bond issuer information and the new bond information in a customer management database and an investment offer database, respectively; A second step of generating a management account for registering a member of the customer for selling the issued bond and storing the customer and the customer's bond information in the customer management database and the investment offer database, respectively; A third step of creating a management account of the customer for acquiring the bond and storing the investment intention information about the customer and the acquisition condition required by the customer in a customer management database; A fourth step of searching the investment offer database to find a bond that satisfies the acquisition condition of the customer who wants to purchase the bond; And A fifth step of providing bond information suitable for investment intention information to a customer who wants to purchase a bond and investment intention information of the customer to a bond issuer and / or a customer who wants to sell the bond; Bond information providing method on the Internet, characterized in that it comprises a. The method of claim 1, In the second step, receiving a sale offer for selling a bond from a customer to confirm receipt of an application; generating a management account of the customer for selling a bond when the payment of money for the registration of the customer is confirmed; And providing information on the offer registration and the registration number to the management account of the customer. The method of claim 2, The fee for registering a member of the customer is provided by electronic card, credit card, or online payment through a financial institution. The method of claim 1, In the third step, receiving the purchase offer for the purchase of the bond from the customer, confirming the application acceptance; generating a management account of the customer for the purchase of the bond when the payment of the cost for the registration of the customer is confirmed; And providing information on the offer registration and the registration number to the management account of the customer. The method of claim 4, wherein The fee for registering a member of the customer is provided by electronic card, credit card, or online payment through a financial institution. The method of claim 1, In the fourth step, the offer price information for the bond is obtained and stored in the offer price information database according to the type, grade, issuer, maturity date, quantity, desired price, surface interest rate, present value, etc. Providing information to the appropriate customer. The method of claim 6, A method for providing bond information on the Internet, characterized in that the kind, grade, issuer, maturity date, quantity, desired price, surface interest rate, present value, etc. of the bond for obtaining the offer price information are provided online and / or offline. The method of claim 1, The bond information for the bonds built in the investment offer database is automatically deleted when the sale / purchase made by the customer after the database is formed. The method of claim 1, The bond information for the bond established in the investment offer database is automatically deleted after the period specified by the customer after the database is formed. The method of claim 1, The bond information for the bond established in the investment offer database is automatically deleted after a predetermined time elapsed by the operator after the database is formed. The method of claim 1, And retrieving the bond information of the new or issued bond from the investment offer database and providing it to the customer according to the customer's request to purchase the bond.