KR20150022948A - Apparatus for managing encumbrance and operation method thereof - Google Patents

Abstract

Disclosed are a security management apparatus and a method for operating the same. The security management apparatus comprises: a security information database, which includes information on assets of a client, which can be displayed on an account and managed thereon, and a security right established with the assets as a security, wherein the information on the security right includes at least one set of information among a plurality of security right holders who hold a security right for the security and/or the relationship in terms of rankings and/or the relationship in terms of shares between the plurality of security right holders; an interface module for receiving signals relating to the management of the security rights, wherein the signals relating to the management of the security rights include a security right establishment signal, a security right execution signal, a security right transfer signal, a security right termination signal, and/or a security right replacement signal; a validity determination module for determining the validity of the signals relating to the management of the security rights; and a security management module for reflecting, in the security information database, the management of the security rights specified by the signals relating to the management of the security rights on the basis of at least one set of information among the relationship in terms of rankings and/or the relationship in terms of shares between the plurality of security right holders included in the security information database.

Description

[0001] APPARATUS FOR MANAGING ENCUMBANCE AND OPERATION METHOD THEREOF [0002]

The present invention relates to a security management apparatus and an operation method thereof, and more particularly, to a security management apparatus capable of setting a plurality of security rights on an asset, stably obtaining security rights based on equity / And more particularly,

An owner holding an asset in a financial institution can obtain a loan from a financial institution by collateralizing the assets held by the financial institution. In this case, the financial institution, etc., is assumed to be a lien for the assets provided as collateral, Can be set.

In this case, the pledge allows the creditor to take over the debt received by the debtor in order to secure the loan and hold it until the debtor has the reimbursement, and in the absence of reimbursement, Rights.

In particular, if a pledge is made to the assets of a customer held by a financial institution, assets as collateral are considered to have been held or issued by the financial institution that executed the loan, so that the transfer, use, The disposal of

Reflecting this, a technique is used to secure lending from financial institutions and to secure lending by setting a lien on customers' assets (especially financial assets), thereby limiting the disposition of customers and ensuring the status of lien have.

However, these conventional techniques could only be set up as a single lien for a single asset of a customer, that is, a single lien, and could not set up multiple lienes. As a result, customers could not effectively raise funds from multiple financial institutions with a single asset, and multiple financial institutions could not be a joint lien or senior / subordinate lien on a single asset of a customer, We could not secure direct collateral.

Therefore, there is a need for techniques for managing collateral where a plurality of collateral holders exist.

SUMMARY OF THE INVENTION It is an object of the present invention to provide a plurality of collateral rights for a single asset and provide stable collateral management for a plurality of collateral holders.

According to an embodiment of the present invention, a collateral management apparatus is disclosed. Wherein the apparatus comprises: a security information database including information on a customer's assets that can be managed by being displayed as an account and information about a security right set as a security, the information about the security interest includes a plurality of security owners having a security right for the security, Information about at least one of a ranking relationship and an equity relationship among the security owners of the content; An interface module for receiving a signal relating to the management action of the lien; a signal related to the management action of the lien includes at least one of a lien setting signal, a lien execution signal, a lien assignment signal, a lien extension signal and a lien replacement signal; A validity judgment module for judging validity of a signal related to the management action of the lien; And management information of a security right specified by a signal relating to a management action of the security right based on information about at least one of a ranking relationship and a equity relationship between the plurality of security owners included in the security information database, And may include a collateral management module that reflects the collateral.

According to an embodiment of the present invention, a method of operating a collateral management apparatus is disclosed. The method comprising the steps of: receiving a security right signal for displaying a security right to distribute the security to a plurality of security holders by executing a security right established by displaying an account as an accountable asset of the customer as a security, , Information about a security holder requesting execution of a lien or agreeing to execute a lien; Determining the validity of the lien execution signal; And distributing the asset for which the lien is set to at least one of the plurality of lienes based on at least one of a ranking relationship and an equity relationship among the plurality of lienes when the lien execution signal is judged to be valid can do.

According to an embodiment of the present invention, a method of operating a collateral management apparatus is disclosed. The method comprising the steps of: receiving a signal of destruction of a lien which destroys a lien which is set as a collateral with the assets of the customer being able to be managed by being displayed as an account; and the signal of destruction of the lien is used to request the destruction of the lien, Information about the mortgagor who is the owner; Determining the validity of the lien signal; And, when it is determined that the collateral alleged signal is valid, determining that the collateral right specified by the collateral alive signal is alleged to be collateral based on at least one of a ranking relationship and a equity relationship between a plurality of collateral holders Wherein the security information database includes information about a security right established by using the asset and the asset as collateral, the information about the security right includes a plurality of security holders having a security right for the collateral, And information regarding at least one of a ranking relationship and a equity relationship between the plurality of security owners.

According to an embodiment of the present invention, a method of operating a collateral management apparatus is disclosed. The method comprising the steps of: receiving a lien transfer signal for transferring a lien set as a collateral with the assets of the customer being able to be managed by being displayed as an account, the lien transfer signal being a transfer of a lien, a lien, And at least one of the information about the lien agreeing to transfer the lien; Determining the validity of the lien transfer signal; And, when it is judged that the lien transfer signal is valid, transfer of the lien designated by the lien transfer signal based on information on at least one of a rank relation and an equity relationship among a plurality of lienes holding the lien against the asset Wherein the security information database includes information about a security right established by using the asset and the asset as collateral, the information about the security right includes a plurality of security holders having a security right for the collateral, And information regarding at least one of a ranking relationship and a equity relationship between the plurality of security owners.

According to an embodiment of the present invention, a method of operating a collateral management apparatus is disclosed. The method comprises the steps of: receiving a security right signal for setting a security right by displaying an account as an asset of a customer capable of being managed; setting up a security right signal for requesting setting of a security right or a security right to be set; Information about the customer and other security owners; Determining the validity of the security right setting signal; And setting up a security right specified by the security right setting signal based on information about at least one of a ranking relationship and a equity relationship among a plurality of security owners having a security right against the asset when it is judged that the security right setting signal is valid Wherein the security information database includes information about a security right established by using the asset and the asset as collateral, the information about the security right includes a plurality of security holders having a security right for the collateral, And information regarding at least one of a ranking relationship and a equity relationship between the plurality of security owners.

According to an embodiment of the present invention, there is provided a computer-readable recording medium on which a program for performing a method of operating a collateral management apparatus is recorded.

The present invention provides an opportunity to maximize the utilization of assets by allowing a plurality of lienes to be set on the customer's assets and to provide the lien between the plural lienes who have an interest based on the asset based on the equity / It is possible to stably secure and manage the lien.

BRIEF DESCRIPTION OF THE DRAWINGS A brief description of each drawing is provided to more fully understand the drawings recited in the description of the invention.
Figure 1 illustrates a collateral management system in accordance with an embodiment of the present invention.
2 illustrates a security management apparatus according to an embodiment of the present invention.
FIG. 3 illustrates an example of a security information database according to an embodiment of the present invention.
4 illustrates an operation method of the collateral management apparatus according to an embodiment of the present invention.
5 illustrates an operation method of the collateral management apparatus according to another embodiment of the present invention.
6 illustrates an operation method of the collateral management apparatus according to another embodiment of the present invention.
FIG. 7 illustrates an operation method of the collateral management apparatus according to another embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described with reference to the accompanying drawings. 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. In addition, embodiments of the present invention will be described below, but the technical idea of the present invention is not limited thereto and can be variously modified by those skilled in the art.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise.

Figure 1 illustrates a collateral management system in accordance with an embodiment of the present invention.

The system 100 may include a customer terminal 110, a lien holder server 121 to 12N, and a security management server 130. The terminal may be referred to as an electronic hardware device used to input or display data in a computer or computing system and the server may be referred to as a computer for processing a request from a client computer under a network environment have.

Hereinafter, the management process of the lien between the customer terminal 110, the lien server 121 to 12N, and the collateral management server 130 will be described. This can be done in the same way in an off-line collateral management system, and the invention can include a off-line collateral management method. In FIG. 1, a terminal, a server, or the like is shown as an apparatus for carrying out the present invention, but this is merely an example, and various computing devices can be used according to an embodiment to which the present invention is applied. For example, a lien may be used instead of a lien server. However, for the sake of simplicity, the description and the concept of the present invention will be described with reference to the customer terminal 110, the lien server 121 to 12N, and the collateral management server 130 shown in Fig.

The customer terminal 110 refers to a terminal of a customer who submits a loan while providing an asset deposited in its own account (for example, a securities account, a bank account, etc.) as collateral. Assets that are collateralized here are all assets that can be displayed and managed as an account. For example, an asset may be a financial asset, such as a security (eg, stocks, bonds, beneficiary certificates, ELS), deposits, derivatives (eg futures options), savings, And may include at least one. An asset may also be an asset that is directly managed by a separate registration procedure or registration procedure, and may be accountable as a right arising from registered / registered ranks.

In the present invention, an asset can be divided into a contractual asset and a non-contractual asset. A contractual asset is an asset formed on the basis of a contract between the parties (for example, a lump sum contract, etc.), and there is a mutual settlement obligation based on a certain condition, period, and so on. For example, contractual assets may include futures, options, deposits, savings, deposits, and so on. Scheduled weak assets are assets that do not qualify as contractual assets and there is no settlement obligation between the parties. For example, noncash assets may include stocks, etc.

Each of the lien servers 121 to 12N means a server directly or indirectly operated by a lien providing the lending service with the asset provided by the customer as collateral, wherein the lien is a person or an institution , For example, securities firms, banks, savings banks, financials, insurance companies, and the like. In the present invention, a plurality of collateral holders may exist for one collateral, and the plurality of collateral holders may be authorized for the collateral according to the equity relationship and / or rank relationship among the collateral holders. Further, in the present invention, the lien may include not only a setter of a security interest in a law, but also a person having a right of repayment by agreement between the parties. For example, a brokerage firm that sets margins on the basis of the margin rate at the time of purchase of securities and deferring settlement by the client has a de facto lien on the margin and purchased securities, Or a conditional lien, so that the securities company may correspond to the lien according to the present invention, and the above-mentioned actual lien or conditional lien may also be included in the lien of the present invention. Depending on the embodiment, the owner of the non-receivable (e. G., The broker) may become a lien for the law, not a de facto lien or a conditional lien, for example through the provision of a lending service.

The collateral management server 130 refers to a server operated by an asset manager directly or indirectly to manage collateral rights among a plurality of collateral holders, wherein the asset manager directly or indirectly occupies the assets of the client, Such as a brokerage house, a bank, a savings bank, a financial institution, an insurance company, and the like. In FIG. 1, the lien server and the collateral management server are disclosed as separate components, but may be integrated into one configuration according to the embodiment.

In the present invention, a customer can apply for a loan with the assets deposited in his account as collateral. In response to a customer's application for a loan, the lien may evaluate the assets provided as collateral and then generate the principal of the loan to the customer. The principal of the loan refers to the loan that the customer has borrowed from the lien, and includes the principal of the loan and the interest on the loan, and may include the remaining principal of the loan if some of the loan principal is reimbursed. In the event of damages caused by default, delay in performance, or illegal acts, the above indemnity may also be included in the principal of the loan.

When the customer's assets are collateralized, the asset manager can set a security right for the assets provided as collateral. In particular, according to the present invention, a plurality of collateral rights are set in a single collateral so that a plurality of collateral holders exist , And can define the equity relationship and / or the rank relation among the plurality of the lienes to manage the lien between the plural lienes.

Although it has been described that a lien is provided to a customer's assets in order to secure a lending service provided to the customer, this is an illustrative example, and various configurations of secured debt (or secured loan) are applied according to the embodiment to which the present invention is applied . For example, you can set a security interest in a customer 's assets with a security contract in which the borrower pays the obligation to assign or pay the asset to the creditor.

Once a lien is established, the asset manager can generate a counter-force against the lien. Specifically, if the customer's assets for which lien rights are set are non-contingent assets, the asset manager shall have the right to keep the asset in the client account department, such as a securities account, It is possible to generate a counter-force against the lien. In particular, the generation of countervailing powers by the description of the customer account department is legitimate based on the agreement between the parties and related laws (eg, Article 311 of the Capital Market and Financial Investment Services Act, etc.) (For example, the collateral information database 250 of the present invention) in which the right state is computed and recorded.

If the customer's assets for which the lien is established are contractual assets, the person who is subject to the rights restriction by setting the lien may notify the lien or the interested person that the lien is established, or if the interested person accepts the lien, The counterparty of the lien will arise against all subordinate rights holders and other stakeholders in the assets provided as collateral. Here, the asset manager is an interested party who seizes and / or manages the assets of the customer and is the party that will either accept the establishment of the lien on the asset or actively accept the lien. Specifically, the asset manager can request the registration of the fixed date on the contents of the permission to set up the lien as an interested person who has the authority to approve the lien. . ≪ / RTI > In addition, the asset manager can request the registration of the fixed date by the customer who has the authority to notify the establishment of the security right and delegate the authority to notify the fact of setting up the security interest, and the contents of the contents of the security right And a statement of intention to set up a security interest. In response to such a request of the asset manager, the notary public authority (not shown) may register the date of confirmation on the content of the lien-setting permission and / or the lien-setting notice, and transmit the contents registered with the confirmation date to the asset manager. In the case of consent to establish a lien, when a notarized institution registers a fixed date, the legal effect of the registered fixed date, counter-power of the lien occurs, and in the case of a lien notification, the notary public registers the fixed date, Upon receipt, a legal effect based on the confirmed date registered at the same time as the reception, that is, a counter power against the lien, is generated.

The following describes the collateral management apparatus and its operation method according to the present invention. The present invention explains the technology and idea of the present invention with respect to assets for which a lien is set for simplicity of explanation, but it is also possible to use other rights to set a disposal limit other than a lien, The invention can be applied.

2 illustrates a security management apparatus according to an embodiment of the present invention.

The device 200 is utilized by an asset manager to implement the invention and may be implemented as a computing device, e.g., a server, terminal, or the like. Apparatus 200 includes an interface module 210; A validity determination module 220; A collateral management module 230; A security execution module 240; A secured information database 250 and a fixed date registration module 260.

The interface module 210 may communicate with at least one of a customer, a lien, and a manager. The interface module 210 may receive a signal related to the management action of the lien, and the signal regarding the management action of the lien may include at least one of a lien set signal, a lien execution signal, a lien assignment signal, a lien extension signal, . The interface module 210 may receive a lien signal, a lien signal, a lien signal, a lien signal, and a lien signal, respectively, or a combination of the signals. The reception may be performed by the manager of the collateral management system 200, the client terminal 110, the lien server 120, or accepting the intention regarding the management action of the customer through a wired line or a visit to a branch office. In addition, the security management apparatus 200 may receive signals generated from the inside of the collateral management apparatus 200 as well as receiving signals from the outside as described above. For example, in the case where the security right must be executed due to the occurrence of an accrued money (or an account receivable), a margin call, or the like, the security right created in the collateral management device 200 The interface module 210 can receive the signal and when the security management apparatus 200 provides the loan service to the customer, the security module 200 generates a security right signal for setting a security right on the customer's property in order to secure the loan, 210). Also, the interface module 210 may transmit the lien management query signal. Here, the lien management query signal may include at least one of a lien setting query signal, a lien execution query signal, a lien transfer query signal, a lien purge query signal, and a lien transfer query signal. When the validity determination module 220 determines that the signal related to the management action of the security right is not valid, the interface module 210 transmits the management action of the security right specified by the signal related to the management action of the security right May be sent to the lien or customer who may provide consent or request to validate the signaling of the management action among the lien or customer who does not request or consent to the management action. In addition, the interface module 210 can transmit information on the collateral status to at least one of a security holder and a customer. Here, the information on the collateral status may include information on the collateral rate, information on the collateral right, The information about the lien is intended to uniquely specify the lien from other lien, and may include information about the collateral, the lien, the security interest (or the collateral), and the like. The mortgage rate is used to indicate the mortgage status. For example, the mortgage rate can be determined by the ratio of the principal amount of the loan to the sum of the client's loan principal and the evaluation value of the asset for which the lien is set. Information about the amount of used money used, including information on margins, margins, and amount received.

The validity determination module 220 may determine the validity of the signal related to the management action of the security right received by the interface module 210. [ This judgment may be made in accordance with a criterion of validity, by referring to the collateral information database 250 or by querying a specific party (for example, a customer lien or the like) about the management action of the lien and based on the result have. The criterion of validity may be arbitrarily determined by the agreement or agreement between the parties, or may be decided according to the law, and different judgment criteria may be applied depending on the nature and kind of management action of the lien.

The collateral management module 230 can manage the collateral right. Specifically, the security management module 230 manages the management of the security right according to the signal related to the management activity, based on the information about at least one of the rank relationship and the equity relationship among the plurality of security owners included in the security information database 250 And can be reflected in the collateral information database 250. Such security rights management can be performed by setting, modifying, or deleting information on the assets included in the security information database 250 and the security rights set on the assets.

The collateral execution module 240 may distribute the assets for which the collateral rights are set to the collateral holders. It reflects the legal effect of lien execution. Specifically, when the interface module 210 receives the lien execution signal and the validity determination module 220 determines that the execution of the lien is valid, the assurance execution module 240 distributes the result. The collateral execution module 240 may distribute the collateral directly to the lien or may distribute the collateral after cashing the collateral. If there are a plurality of collateral holders, the collateral execution module 240 refers to the collateral information database 250, Or distribution according to equity.

The collateral information database 250 may include information about the customer's assets and the collateral rights set with the assets as collateral. Here, the customer's assets are assets that are owned by the customer and are manageable by being displayed in an account, and the information about the assets may include the items of the asset, the quantity and the price. Further, the information on the lien may include at least one of a plurality of lienes having a lien with the customer's assets as collateral, a rank relation between a plurality of lienes, and an equity relationship. The rank relation here relates to the relationship between a plurality of lienes having different lien positions for the collateral, for example, based on the time sequence in which the lien is set, the agreement between the parties, and the like. In addition, the equity relationship refers to the relationship between a plurality of lienes with the same lien on the collateral, which is determined at an arbitrary rate by the agreement between the lienes, or the total amount of the lien held by the lien by each rank of the lien Can be determined by the ratio of the loan amount. According to the embodiment, the information on the equity relationship may include information on the loan amount of the mortgagee.

The collateral information database 250 corresponds to the computerized customer accounts department based on contracts between the parties and relevant laws (for example, Article 311 of the Capital Market and Financial Investment Business Act), and in particular, If the customer 's assets are scarce assets, counter - power can be generated by computer - recording the status of the rights such as lien on the assets.

The fixed-date registration module 260 may register a fixed date for the lien to acquire the counter-force of the lien if the asset of the customer for which the lien is set is a contractual asset. This operation of the fixed-date registration module 260 is performed periodically and / or non-periodically, for example, every time the lien is set or the content of the lien is renewed, or may be performed at a predetermined time .

In one embodiment, the fixed-date registration module 260 may transmit a confirmation date registration request to the notarial authority for the contents of the lien-setting consent and the contents to receive a confirmation date for the lien. Here, the contents of acceptance of the lien may include the content of the lien and the intention of accepting the lien, and may be in the form of a completed document or a combination of individual legal elements. If the confirmed date is registered by the notarized institution in response to the confirmed date registration request of the confirmed date registration module 260, the opposing force due to the approval of the security right for the security right may arise.

In one embodiment, the fixed-date registration module 260 may send a confirmation date registration request to the notarial authority for the contents of the security note setting notification and for the contents to receive a confirmation date for registration of the confirmation date. The contents of the notice of lien may include the content of the lien, the intention to notify the lien, and the delegation of authority to notify the lien, and the form of the completed document or the form of the combination of individual legal elements Lt; / RTI > In response to the fixed date registration request of the fixed date registration module 260, the notarized authority can register the fixed date and then transmit the fixed date to the security management apparatus 200. When the secured management apparatus 200 receives the security deposit Upon receipt of the information regarding the setting notification, countermeasures based on the lien setting notification may occur against the lien.

1, the interface module 210, the validity determination module 220, the collateral management module 230, the collateral execution module 240, the collateral information database 250, and the fixed-date registration module 260, It will be understood that the present invention may be implemented by one or more physical devices of the system 100 and may be implemented by a single physical device. For example, each of the interface module 210, the validity determination module 220, the collateral management module 230, the collateral execution module 240, the secured information database 250 and the fixed date registration module 260 may be software, Or by using firmware, for example.

FIG. 3 illustrates an example of a security information database according to an embodiment of the present invention.

As shown in the figure, the security information database 250 includes securities A and B. In this case, the securities generally means that the valuable or property rights are securitized, and the securities used in the present invention are those securities that can be traded by the collateral management apparatus.

Referring to the first table 310, Securities A is set as a lien on which security rights are set, and disposal restrictions are set so that issuance, sale, and replacement of securities are not permitted. In particular, Securities A has a total of one lien, where the total lien represents the number of lien groups. Thus, Securities A only has a first-rank lien.

Securities B is also set as a lien where security is set up, but unlike Securities A, total lien 4 is set. In other words, in case of securities A, it can be known that there are a first order lien, a second order lien, a third order lien, and a fourth order lien.

Referring to the second table 320, concrete information of the security right set in the security A is shown. In Securities B, a plurality of security interests are set up, each of which can be an individual or an organization (for example, a securities company, a bank, a savings bank, a financial institution, an insurance company, etc.). Specifically, Securities B has a security interest by two first-class mortgage holders, one second mortgage holder, one third mortgagee lien, and four fourth mortgage lien holders. This rank relationship relates to a relationship between a plurality of lienes having different lien positions for the collateral, and may be ranked based on, for example, the time sequence in which the lien is set, the agreement between the parties, and the like. For example, if a senior lien is entitled to a preferential dividend for a subordinate lien, the lien of the first lien ("lien" and "lien") will be fully redeemed and the remaining collateral It may be distributed to the second-rank lien. A "lien" and "lien" are all first-class lienes, with a 70% and 30% share, respectively. This equity relationship relates to the relationship between a plurality of lienes with the same lien on the collateral, which is determined at an arbitrary rate by the agreement between the lienes, or the total amount of the lien held by the collateral As shown in FIG. For example, when a lien is executed, 70% and 30% of the collateral can be distributed, respectively, unless the "lien" and "lien" are fully repaid.

Although not shown in FIG. 3, the collateral information database 250 may include information on margin. In this case, the margin is to guarantee the contract of the customer. Specifically, when the customer sells the stock in the stock transaction or sells the futures / options contract in the futures / option contracts, This means that the deposit amount must be deposited in advance to cover a certain percentage of the contract amount in order to prevent the risk of default, and the ratio of the deposit amount to the contract amount corresponds to the margin amount. The margin rate may be varied according to the embodiment to which the present invention is applied. The disposal limit (that is, the limit on the number of copies, the limit on the withdrawal, the restriction on the limit) is set for the margin in the collateral information database 250, and no disposition is allowed.

In the security information database 250 of FIG. 3, only the securities are shown, but this is an illustrative example, and the present invention can be applied to various types of securities such as deposits, derivatives (for example, futures options), savings, , ELF, or any other asset that can be managed or traded by an account. 3, the security information database 250 is divided into two tables 310 and 320. However, the present invention is not limited to this, and various types of database structures may be used according to an embodiment to which the present invention is applied .

4 illustrates an operation method of the collateral management apparatus according to an embodiment of the present invention.

Referring to FIGS. 2 and 4, in step S410, the interface module 210 may receive a lien execution signal. Here, the signal to execute the lien is to repay the debt by distributing the lender to the lien by executing the lien, and may include at least one of the lien as the object of execution, the information about the lien who requests execution of the lien or agrees to execute the lien have. The information about the lien is intended to uniquely specify the lien from other lien, and may include information about the collateral, the lien, the security interest (or the collateral), and the like. If the lien execution signal is transmitted from any lien, the lien may be regarded as requesting execution of the lien or agreeing to execute the lien. Depending on the embodiment, the lien execution signal may include information on the reason or grounds for the lien execution. According to the embodiment, in the case where the lien is executed due to the reason such as the occurrence of the accrued money (or the receivable), the occurrence of the marginal call, or the like, the reception of the lien execution signal by the interface module 210 , And reception of the security right execution signal generated in the security management apparatus 200. [

In step S420, the validity determination module 220 may determine the validity of the lien execution signal received by the interface module 210. [ Step S420 may be performed based on various criteria determined by agreement between the parties. In one example, it is possible to determine the validity of the lien-setting signal depending on whether the information about the lien is valid, requesting execution of the lien contained in the lien execution signal or agreeing to execute the lien. Whether the information about the lien who requests execution of the lien or agrees to execute the lien is valid can be judged by various authentication methods available in the art such as login-authentication, certificate, digital signature, and the like. In one example, the validity determination module 220 may determine that the lien execution signal is valid if the sum of the interests of the best lien of the collateral that requests execution of the lien or agrees to execute the lien is greater than or equal to a predetermined threshold value. Here, the predetermined threshold may be a value within a range of 0% to 100%, preferably 50% or 100%. In another example, the validity determination module 220 may have the lien execution signal valid if the sum of the lien of the lien owner who requests the lien execution or agrees to execute the lien is equal to or greater than a predetermined threshold value in each order. The predetermined threshold values may be the same or different values in the order. In one example, the validity determination module 220 determines whether the lien execution signal received by the interface module 210 is received from the manager of the collateral management apparatus 200 or generated within the collateral management apparatus 200, Can be determined to be valid. These criteria are illustrative, and various criteria may be applied according to the embodiment to which the present invention is applied.

If the validity determination module 220 determines that the lien execution signal is valid (S420), the collateral execution module 240 may distribute the collateral to the lien. Step S430 is to distribute the assets of the customer, which is the object of the lien, to the lien to generate the effect of execution of the lien, in which at least one of direct distribution of the collateral and distribution of the collateralized collateral (for example, via sale) . ≪ / RTI >

The distribution may be performed based on various criteria determined by the agreement between the parties. For example, the step S430 may be performed prior to the subordinate lien on behalf of the subordinate lien. In other words, the distribution of the collateral to the next ranking lien can be performed before the collateral distribution to the senior lien is completed. Also, for example, if there are a plurality of collateral holders of the same rank, the collateral can be distributed according to the equity relationship between the plurality of collateral holders in step S430. That is, when the collateral is distributed to a plurality of collateral holders having the same rank, the collateral can be distributed according to the equity relationship between a plurality of collateral holders, when the value of the collateral is less than the sum of the bonds amount of the plurality of collateral holders.

Also, the distribution of the collateral can be performed on all or at least part of the collateral. In one example, if the senior lien requests execution of the lien or agrees to execute the lien, the senior lien and subordinate lien can be distributed to all of them until the collateral is exhausted. In an example, if the collateralized bonds of the senior lien holding the collateral right or requesting execution of the lien are all satisfied by the distribution of the collateral, the remaining collateral may not be distributed. In this case, a lien for a subordinate collateral can be established for the remaining collateral. The selection of the illustrated distribution scheme may be determined according to the intention of the subordinate collateral holder. For this purpose, when distributing collateral, it can send a query signal about the distribution method to subordinate collateral holders and receive a response signal to determine the distribution method of collateral for subordinate collateral holders. In addition, the subordinate mortgagee's doctrine regarding the predetermined manner of distribution of the collateral can be stored in advance in the collateral information database 250, for example, so that the collateral execution module 240, when distributing the collateral, ), The distribution of the collateral may be carried out by referring to the distribution method of the collateral of the subordinate collateral holder.

In step S440, the collateral management module 230 may reflect the execution of the collateral right for the collateral in the collateral information database 250. [ Specifically, if all the collateral is exhausted by the distribution performed in step S430, the collateral management module 230 can delete the collateral information and the collateral information set on the collateral in the collateral information database 250. [ However, if at least a part of the collateral is left by the distribution performed in step S430, the collateral management module 230 changes the quantity of the collateral to the remaining quantity in the collateral information database 250 and deletes the information about the collateral right set in the collateral . In addition, as described above, when the collateralized bonds of the senior lien holders who are requested to execute the lien or execute the lien are all satisfied by the distribution of the collateral, and the remaining collateral is not distributed to the subordinate lien, (230) can set a security right for the subordinate collateral holder for the remaining collateral in the collateral information database (250).

If the validity determination module 220 determines that the lien execution signal is not valid (S420), the interface module 210 requests the execution of the collateral or agrees to validate the lien And may transmit a lien execution query signal to the lien who can provide the request.

When the interface module 210 receives the lien execution signal responding to the transmission of the lien execution query signal according to the signal transmission in step S450 (step S410), the validity determination module 220 can re-determine the validity of the lien execution signal (Step S420).

For example, in the example of FIG. 3, if only the first-lien of the first lien is required for execution of the lien and the "lien" agrees to execute the lien or the lien, the interface module 210 executes the lien May send a lien execution query signal to a "lien" who is a lien who may provide consent or request to validate the signal. In response to such a transmission, when the interface module 210 receives the lien execution signal from the "lien", the validity determination module 220 can re-determine the validity of the lien execution signal.

Although steps S420 and S450 are performed in FIG. 4, at least one of steps S420 and S450 may not be performed according to the embodiment of the present invention.

In one embodiment, the execution of the lien may be performed on a portion of the collateral, rather than being performed on the entire collateral. Some execution of such a lien is explained in the same manner as steps S410 to S450 described with reference to Fig. Hereinafter, a duplicate description will be omitted.

In step S410, the interface module 210 may receive the security right execution signal. Here, the information on the lien included in the lien execution signal may be related to a part of the collateral, not the whole collateral. For example, the information on the lien may be related to the collateral corresponding to the amount of the lien of the lien who requests execution of the lien or agrees to execute the lien.

In step S420, the validity determination module 220 may determine the validity of the lien execution signal received by the interface module 210. [ Depending on the embodiment, the overall execution of the lien and the partial execution of the lien may differ in the requirements for judging effectiveness.

In step S430, the collateral execution module 240 may distribute only some of the collateral specified by the collateral execution signal to the collateral holder. According to an embodiment, the collateral execution module 240 may distribute the entire collateral, not some collateral specified by the collateral execution signal, to the collateral holder. In one example, the interface module 210 notifies subordinate lienes of the collateral (i. E., Senior lien) requesting or agreeing to execute a lien on a portion of the collateral to receive a lien execution signal on a portion of the collateral by the lien can do. In this case, the collateral execution module 240 may distribute the collateral specified by the collateral execution signal of the senior collateral holder and the subordinate collateral holder to the collateral holder have. In one example, the collateral execution module 240 may distribute the collateral through the interface module 210 without querying the subordinate collateral holders as to whether the collateral is executed. In other words, when executing the lien on the part of the collateral for the senior lien, the intention of the subordinate lien on the execution of the lien for the subordinate lien can be stored in advance in the collateral information database 250, The distribution of the collateral can be performed by referring to the intention of the subordinate collateral holder stored in the collateral information database 250 at the time of distribution of the collateral.

In step S440, the collateral management module 230 may reflect the execution of the collateral for some of the collateral in the collateral information database 250. [ Specifically, the collateral management module 230 may subtract the amount of collateral consumed by the distribution performed in step S430 from the total amount of the collateral. Also, the collateral management module 230 can re-adjust the information on the collateral right set in the collateral. That is, if the portion of the collateral to be distributed is exhausted in step S430, the collateral management module 230 may determine whether the collateral information and / or the rank relationship among the collateral holders are in accordance with the distribution of the certain collateral in the information on the collateral right set in the collateral in the collateral information database 250 And if at least a part of the collateral to be distributed in step S430 remains, information on the collateral right set in the collateral in the collateral information database 250 may be deleted.

In one embodiment, the method 400 may further comprise the step of the security management module 230 releasing the disposition restriction set on the margin of the customer's assets in the secured information database 250. This is because, in the case of collateral purchase, the need to maintain margins by the distribution of collateral is eliminated if at least a portion of the customer's assets are set as a margin and the disposal limit is set according to the margin rate.

5 illustrates an operation method of the collateral management apparatus according to another embodiment of the present invention.

Referring to FIGS. 2 and 5, in step S510, the interface module 210 may receive a lien signal. Herein, the signal to destroy the collateral is intended to destroy the collateral right set in the collateral, and may include at least one of a collateral right subject to extinction, information about a collateral right holder requesting extinction of a collateral right, or information about a collateral right holder agreeing to collapse right collateral. The information about the lien is intended to uniquely specify the lien from other lien, and may include information about the collateral, the lien, the security interest (or the collateral), and the like. Such an annulment signal may, for example, be due to the reimbursement of the loan which is the cause of the lien. In the case where the signal of destruction of the lien is transmitted from any lien according to the embodiment, the lien may be regarded as requesting the destruction of the lien or agreeing to the destruction of the lien. Depending on the embodiment, the lien signal may include information about the reason or ground of the lien. In accordance with the embodiment, the receipt of the collateral alleged signal by the interface module 210 may include reception of the collateral alive signal generated in the collateral management device 200. [

In step S520, the validity determination module 220 may determine the validity of the lien signal canceled by the interface module 210. [ Step S520 may be performed based on various criteria determined by the agreement between the parties. In one example, it is possible to determine the validity of the security right signal according to whether the information about the security owner who is requesting the extinction of the security interest contained in the extinction signal or the consent to the extinction of the security right is valid. Whether the information about the security holder who requests the extinction of the lien or agrees to the extinction of the lien is valid can be judged by various authentication methods available in the art such as login-authentication, certificate, digital signature, and the like. In one example, the validity determination module 220 determines whether the security decryption signal received by the interface module 210 is received from the manager of the collateral management device 200 or generated within the collateral management device 200, Can be determined to be valid. These criteria are illustrative, and various criteria may be applied according to the embodiment to which the present invention is applied.

If the validity determination module 220 determines that the security expiration signal is valid in step S530, the security management module 230 may reflect the disappearance of the security right in the security information database 250 in step S530. First, the collateral management module 230 may delete the information on the collateral right specified by the collateral alive signal in the collateral information database 250. [ Subsequently, the collateral management module 230 may change at least one of the equity relationship and the rank relation of the lien according to the deletion of step S530. Specifically, if there is another collateral holder of the same rank as the collateral holder of the collateralized collateral right, the collateral management module 230 may inherit the collateral right corresponding to the collateral collateral right of other collateral holders of the same rank. If there are a plurality of other lien holders of the same rank, the share corresponding to the collateral lien may be succeeded by the equity relationship between the other lien holders. In contrast, if there is no collateral holder of the same rank as the collateral holder of the collateralized collateral right, the collateral management module 230 may succeed the collateral holder of the collateralized collateral right in the next rank.

For example, in the example of FIG. 3, if the lien of the "lien" is expired, the lien management module 230 deletes the lien of the "lien" from the lender information database 250, A "lien" or a "lien" who has the same rank as a "lien" can take over the stake corresponding to the lien of the "lien". Therefore, the "lien" or "lien" is 100%. For example, if the security right of the "security person" for the securities A disappears, the security management module 230 deletes the security rights of the "security person" in the security information database 250, It is possible to take over the stake corresponding to the lien of the "lien" to the "lien", "lien" and "lien" who are subordinate lien. Therefore, the "lien", "lien holder", and "lien" are 3.

In step S540, if the validity determination module 220 determines that the security expiration signal is invalid (step S520), the interface module 210 cancels the security rights to the security person who can provide consent or request to validate the security expiration signal A query signal can be transmitted.

In response to the signal transmission in step S540, the interface module 210 receives a collateral destruction signal in response to transmission of the collateral loss destroying query signal (step S510), and the validity determination module 220 can re-determine the validity of the collateral destruction signal (Step S520).

For example, in the example of FIG. 3, if the "lien" sends an annulment signal for the lien of the "lien or lien" to the securities A, the interface module 210 may consent to the lien Or to a "lien" who is the lien who may provide the request. In response to this transmission, when the interface module 210 receives the collateral destruction signal from the "collateral holder", the validity determination module 220 can re-determine the validity of the collateral collapse signal.

Although steps S520 and S540 are shown as being performed in FIG. 5, at least one of steps S520 and S540 may not be performed according to the embodiment of the present invention.

In one embodiment, the expiration of the lien may be performed on a portion of the lien, rather than being performed on the whole lien. The partial disappearance of the lien is explained in the same manner as the steps S510 to S550 described with reference to Fig. Hereinafter, a duplicate description will be omitted.

In step S510, the interface module 210 may receive the security interest cancellation signal. Information about the lien subject to extinction included in the lien signal may be related to some but not all of the lien. For example, partial extinguishment of the lien may be due to some reimbursement of the loan which is the cause of the lien.

In step S520, the validity determination module 220 may determine the validity of the lien signal canceled by the interface module 210. [ The total extinguishment of the lien and partial extinguishment of the lien may be different from the requirements for judging effectiveness.

In step S530 and step S540, the collateral management module 230 may delete the part of the collateral right specified by the collateral alerting signal in the collateral information database 250 and update the information in the collateral information database 250. [ Such annulment and renewal may be accomplished by adjusting the equity relationship between the lien of the collateralized lien and the other lien. In other words, the lien of the collateralized lien may be reduced in proportion to the collateralized lien, and the other lien of the same rank may increase the share of collateralized lien.

6 illustrates an operation method of the collateral management apparatus according to another embodiment of the present invention.

Referring to FIGS. 2 and 6, in step S610, the interface module 210 may receive a lien transfer signal. Here, the signal to transfer the lien is to transfer the lien to the other person (the transferee), to transfer the lien to the other person (the transferee), to transfer the lien, the lien, the lien or the lien And / or information. The information about the lien is intended to uniquely specify the lien from other lien, and may include information about the collateral, the lien, the security interest (or the collateral), and the like. If the lien transfer signal is transmitted from any lien, according to the embodiment, the lien may be regarded as requesting the transfer of the lien or consent to the transfer of the lien. Depending on the embodiment, the lien transfer signal may include information on the reason or grounds for transfer of the lien. In accordance with the embodiment, the receipt of the lien transfer signal by the interface module 210 may include the receipt of the lien transfer signal generated within the collateral management device 200. [

In one embodiment, the lien transfer signal may constitute part of the lien transfer signal. For example, if the lien of the lien A and the lien of the lien B are exchanged, the two transfers may be carried out substantially simultaneously. A replacement may involve the replacement of a stake or a replacement for a rank.

In step S620, the validity determination module 220 may determine the validity of the lien transfer signal received by the interface module 210. [ Step S620 may be performed based on various criteria determined by agreement between the parties. In one example, it is possible to determine the validity of the lien-setting signal depending on whether the information about the lien belonging to the lien-transfer signal is requested or the lien is transferred. Whether the information about the security owner who requests the transfer of the security or agrees to the transfer of the security is valid can be judged by various authentication methods available in the related art such as login-authentication, certificate, digital signature, and the like. In one example, if information about the lien of the lien is not included in the information about the lien who requests the transfer of the lien belonging to the lien transfer signal or agrees to the lien transfer, the validity determination module 220 determines that the lien transfer signal is not valid can do. In one example, if the sum of the interests of the best-ranking lien is greater than or equal to a predetermined threshold value, the validity determination module 220 may determine that the lien transfer signal is valid. In one example, if the sum of the equity interests of the respective lien owners who request the transfer of the lien or agrees to transfer the lien is greater than or equal to a predetermined threshold value in each order, the validity determination module 220 may determine that the lien transfer signal is valid have. In one example, when the interface module 210 receives a lien transfer signal from the customer, the validity determination module 220 may determine that the lien transfer signal is not valid. In one example, if the time at which the interface module 210 receives the lien transfer signal does not satisfy the predetermined period range, the validity determination module 220 may determine that the lien transfer signal is not valid. In one example, the validity determination module 220 determines whether the lien transfer signal received by the interface module 210 is received from the manager of the collateral management apparatus 200 or generated within the collateral management apparatus 200, Can be determined to be valid. These criteria are illustrative, and various criteria may be applied according to the embodiment to which the present invention is applied.

If the validity determination module 220 determines that the lien transfer signal is valid (S620), the collateral management module 230 may reflect the transfer of the lien in the collateral information database 250 (S630). Specifically, the transfer of the lien may be performed by changing the lien of the lien that is the object of transfer in the lender information database 250 to the transferee. Such a change may include not only that the lien is changed directly from the assignor to the assignee, but also that the lien of the transferee is newly created after the lien of the lien is deleted. In addition, if the transferee is one of the existing lienes, the lien management module 230 may integrate the information about the lien and the lien.

For example, in the example of FIG. 3, in the case of transferring the "lien" to securities A, the lien management module 230 transfers the lien from the "lien" from the collateral information database 250 You can change it to "a lien." In addition, the "lien" or "lien" who has acquired the lien of the "lien" is one of the existing lien who has the same rank as "lien", so the information about the lien that the "lien" . That is, information indicating that a security right having a 100% share of "first-time lien" or "lien" is set in securities A may be recorded on the second information database 250.

In particular, if the asset of the customer to which the security right is set is a non-performing asset, the security management module 230 reflects the transfer of the security interest in the security information database 250 to generate a counterforce against the new right relationship based on the transfer of the security interest . This is because the collateral information database 250 corresponds to a computerized customer accounts department based on contracts between the parties and related laws (for example, Article 311 of the Capital Market and Financial Investment Services Act).

If the validity determination module 220 determines in step S640 that the lien assignment assignment signal is invalid (step S620), the interface module 210 transmits a lien assignment to the lien who can provide the agreement or request to validate the lien assignment assignment signal A query signal can be transmitted.

When the interface module 210 receives a signal to transmit the signal to the interface 210 in response to the signal transmission in operation S640 (S610), the validity determination module 220 can re-determine the validity of the signal (Step S620).

Although FIG. 6 shows that both steps S620 and S640 are performed, according to an embodiment of the present invention, at least one of steps S620 and S640 may not be performed.

In one embodiment, the fixed-date registration module 260 may further include registering a confirmation date for the lien to acquire the counter-force of the newly set lien based on the transfer of the lien. The steps may be performed periodically and / or aperiodically. For example, the step may be performed whenever the transfer of the security right occurs, or may be performed at a predetermined time.

For example, the registration of the confirmed date can be performed by transmitting the confirmed date registration module 260 to the notarization agency with respect to the content of the security deposit setting consent and the confirmed date registration request for the contents. The contents of the lien arrangement may include the content of the lien and the intention of accepting the lien, and may be in the form of a completed document or a combination of individual legal components. In establishing the lien, the asset manager may request the registration of the fixed date as a stakeholder having the approval authority to set up the lien. If the date of confirmation is registered by the notary public in response to such a request, countervailing powers may result from the consent of the lien on the lien. Also, the registration of the confirmed date can be performed by transmitting the contents related to the security interest setting notification and the confirmation date registration request to the notary public authority. The contents of the notice of lien may include the content of the lien, the intention to notify the lien, and the delegation of the authority to notify the fact that the lien is established. The form of the completed document or the form of the combination of individual legal elements Lt; / RTI > In setting the security, the customer has the right of notification of the security right, and the asset manager is an interested person who is notified of the fact of setting up the security right from the customer. However, in step 610, In this case, the asset manager is entrusted with the authority to notify the fact of setting up the lien from the customer who has the authority to notify the establishment of the lien, so that the lien May request a registration of a fixed date. In response to this request, the notary public institution registers the confirmed date and then transmits it to the collateral management apparatus 200. When the collateral management apparatus 200 receives the contents of the collateral right setting notification in which the confirmation date is registered from the notary public institution, A counter-force arising from a notification of a security right may arise.

In one embodiment, the transfer of the lien may not be performed for the whole lien, but may be performed for a portion of the lien. The partial assignment of such security right is explained in the same manner as the steps S610 to S650 described with reference to Fig. Hereinafter, a duplicate description will be omitted.

In step S610, the interface module 210 may receive the lien transfer signal. Here, the information on the lien subject to the transfer included in the lien transfer signal may be related to some but not all of the lien.

In step S620, the validity determination module 220 may determine the validity of the lien transfer signal received by the interface module 210. [ The entire transfer of the lien and the partial transfer of the lien may be different from the requirements for judging effectiveness.

In step S630, the collateral management module 230 may reflect the transfer of a portion of the collateral right specified by the collateral right transfer signal in the collateral information database 250. [ Specifically, the collateral management module 230 may reduce the interest corresponding to the lien transferred to the lien of the transferee and newly set the lien of the transferee. Here, the lien of the transferee has the same rank as the transferred lien and may be set as a share corresponding to the lien transferred.

FIG. 7 illustrates an operation method of the collateral management apparatus according to another embodiment of the present invention.

Referring to FIGS. 2 and 7, in step S710, the interface module 210 may receive a security right setting signal. Herein, the lien-setting signal is a new lien for the asset, and may include at least one of a new lien to be set up, a customer requesting a lien, or information about a customer and other lien who agrees to the lien. The information on the new lien is intended to uniquely identify the new lien from other lienes, and may include information on, for example, collateral, lien, collateral debt (or collateralized debt). According to the embodiment, the information on the new lien may further include information on at least one of the rank relation of the new lien and the equity relationship between the new lien and the other lien. In the case where a lien setting signal is transmitted from the customer according to the embodiment, the customer can be regarded as requesting the lien setting or agreeing to the lien setting, and likewise, when the lien setting signal is transmitted from the other lien, Or consent to the establishment of a security interest. Depending on the embodiment, the lien set signal may include information on the reason or grounds of the lien set. According to the embodiment, the lien specified by the lien setting signal may include a virtual lien or conditional lien. According to the embodiment, the receipt of the security right setting signal by the interface module 210 may be performed by the security management apparatus 200 by providing a loan service from a customer, and setting a security right for securing the security service, Lt; RTI ID = 0.0 > 200, < / RTI >

In step S720, the validity determination module 220 may determine the validity of the security right setting signal received by the interface module 210. [ Step S720 may be performed based on various criteria determined by agreement between the parties. In one example, it is possible to determine the validity of the lien setting signal depending on whether the information about the customer who requests the lien setting included in the lien setting signal or agrees with the lien setting is valid. In addition, if there are other lienes that are subject to restrictions due to the establishment of new lienes (for example, existing lienes and lienes of new lienes share the same rank), the lien The validity of the lien-setting signal can be determined by asking for the setting or by the validity of the information regarding other lienes who agree to set up the lien. In one example, if the interface module 210 does not receive a lien setting signal from the customer, the validity determination module 220 may determine that the lien setting signal is invalid. Whether the information about the customer or the lien who is requesting the establishment of the lien or agreeing to the lien is valid can be judged by various authentication methods available in the art such as login-authentication, certificate, digital signature, and the like. In one example, the validity determination module 220 determines whether the lien grant signal received by the interface module 210 is received from the manager of the collateral management apparatus 200 or generated within the collateral management apparatus 200, Can be determined to be valid. In one example, if the time at which the interface module 210 receives the lien setting signal does not satisfy the predetermined time range, the validity determining module 220 may determine that the lien setting signal is invalid. These criteria are illustrative, and various criteria may be applied according to the embodiment to which the present invention is applied.

If the validity determination module 220 determines that the lien determination signal is valid (S720), the security management module 230 may reflect the setting of the security right in the security information database 250 in step S730. Specifically, reflection of the security rights setting may be performed by the security management module 230 creating new information about the new security rights in the security information database 250. [ The generation of the information on the new security right may be performed by reflecting the information on at least one of the ranking relationship and the equity relationship of the security right included in the security setting signal received by the interface module 210 in step S710. In addition, if the security owner of the new security right is one of the existing security owners, the security management module 230 may integrate the information about the newly generated security right and the conventional security right. Also, the collateral management module 230 can change the information of the conventional collateral right according to the setting of the new collateral right in the collateral information database 250. [ In one example, when the new lien is ranked higher than the existing lien in the ranking relation, the rank relation of the existing lien can be set to be subordinate in accordance with the setting of the new lien. In an example, In the case of the same rank as the existing lien, the existing relationship of the lien can be adjusted according to the new lien.

In particular, when the asset of the customer to which the security right is set is a fragile asset, the security management module 230 reflects the setting of the security right in the security information database 250 to generate a counter force against a new right relationship based on the setting of the security right . This is because the collateral information database 250 corresponds to a computerized customer accounts department based on contracts between the parties and related laws (for example, Article 311 of the Capital Market and Financial Investment Services Act).

If the validity determination module 220 determines that the lien determination signal is not valid (S720), the interface module 210 determines whether the lien A query signal can be transmitted.

If the interface module 210 receives a signal to transmit the signal to the interface module 210 in response to the signal transmission in step S740 (step S710), the validity determination module 220 can re-determine the validity of the signal (Step S720).

Although FIG. 7 shows that both steps S720 and S740 are performed, at least one of steps S720 and S740 may not be performed according to the embodiment of the present invention.

In one embodiment, the fixed-date registration module 260 may further include registering a confirmation date for the lien to acquire the counter-force of the newly set lien based on the setting of the lien. The steps may be performed periodically and / or aperiodically. For example, the step may be performed whenever a security right is set, or may be performed at a predetermined time.

For example, the registration of the confirmed date can be performed by transmitting the confirmed date registration module 260 to the notarization agency with respect to the content of the security deposit setting consent and the confirmed date registration request for the contents. The contents of the lien arrangement may include the content of the lien and the intention of accepting the lien, and may be in the form of a completed document or a combination of individual legal components. In establishing the lien, the asset manager may request the registration of the fixed date as a stakeholder having the approval authority to set up the lien. If the date of confirmation is registered by the notary public in response to such a request, countervailing powers may result from the consent of the lien on the lien.

Also, the registration of the confirmed date can be performed by transmitting the contents related to the security interest setting notification and the confirmation date registration request to the notary public authority. The contents of the notice of lien may include the content of the lien, the intention to notify the lien, and the delegation of the authority to notify the fact that the lien is established. The form of the completed document or the form of the combination of individual legal elements Lt; / RTI > In setting the lien, the customer has the right of notification of the lien, and the asset manager, as an interested person, is notified of the fact of lien rights from the customer, but in a step 710, In this case, the asset manager is entrusted with the authority to notify the fact of setting up the lien from the customer who has the authority to notify the establishment of the lien, May request a registration of a fixed date. In response to this request, the notary public institution registers the confirmed date and then transmits it to the collateral management apparatus 200. When the collateral management apparatus 200 receives the contents of the collateral right setting notification in which the confirmation date is registered from the notary public institution, A counter-force arising from a notification of a security right may arise.

The operation method of the collateral management apparatus according to the present invention is characterized in that a program for performing operations (400, 500, 600, 700) of the collateral management apparatus according to the embodiment of the present invention described above with reference to FIGS. The present invention can be embodied by a computer readable recording medium.

As described above, an optimal embodiment has been disclosed in the drawings and specification. Although specific terms have been employed herein, they are used for purposes of illustration only and are not intended to limit the scope of the invention as defined in the claims or the claims. Therefore, those skilled in the art will appreciate that various modifications and equivalent embodiments are possible without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

100 Mortgage Management System 110 Customer Terminal
120 Lienator server 130 Collateral management server
200 collateral management device 210 interface module
220 Validation Module 230 Collateral Management Module
240 Collateral execution module 250 Collateral information interface
260 Confirmation Date Registration Module

Claims (55)

A security information database including information on a customer's assets that can be managed by being displayed as an account and information about a security right set with the asset as a security, the information about the security right includes a plurality of security owners having a security right for the security, Ranking information and at least one of equity relationships;
An interface module for receiving a signal relating to the management action of the lien; a signal related to the management action of the lien includes at least one of a lien setting signal, a lien execution signal, a lien assignment signal, a lien extension signal and a lien replacement signal;
A validity judgment module for judging validity of a signal related to the management action of the lien; And
Management information of a security right specified by a signal related to the management action of the security right is reflected in the security information database based on information about at least one of a ranking relationship and an equity relationship among the plurality of security owners included in the security information database Mortgage management module
And the security management device. The method according to claim 1,
Wherein the security information database corresponds to a customer account department, and the information on the security right set in the non-default asset among the assets is included in the security information database to generate a counterpower against the subordinate right holder and the stakeholder,
Collateral management device. The method according to claim 1,
Further comprising a fixed-date registration module for registering a fixed date for the lien to acquire a counter-force of the lien set in the contractable asset among the assets,
Collateral management device. The method according to claim 1,
Wherein the equity relationship is determined by a ratio of the creditor amount of the lien among the total amount of credits secured by the lien by each rank of the lien,
Collateral management device. The method of claim 1, wherein
Wherein the validity determination module determines whether the management action of the security right is included in the signal related to the management action of the security right or determines whether the management action of the security right is valid according to whether the information about the security owner or the customer who agrees with the management action is valid,
Collateral management device. The method of claim 1, wherein
If the sum of the shares of the best-ranking lien of the collateral who requests the management action of the lien specified by the signal regarding the management action of the lien or the management action agrees with the management action is less than the predetermined threshold value, Lt; RTI ID = 0.0 > a < / RTI >
Collateral management device. The method according to claim 1,
If the sum of the shares of the security owners of the collateral of the collateral that requests the management action of the collateral right specified by the signal regarding the management action of the collateral right is less than the predetermined threshold value of each rank, If the signal regarding the management action of the lien is judged to be invalid,
Collateral management device. The method according to claim 1,
Wherein the validity determination module determines that the signal regarding the management action of the lien is not valid if the time when the interface module receives the signal related to the management action of the lien does not satisfy the predetermined period requirement,
Collateral management device. The method according to claim 1,
If the signal regarding the management action of the lien is a signal of destruction of the lien, the information about the lien who requests the extinction of the lien or the consent to extinction of the lien is not included in the signal of destruction of the lien , The validity determination module determines that the security interest cancellation signal is invalid,
Collateral management device. The method according to claim 1,
If the signal regarding the management action of the lien is a signal to transfer the lien, if the information about the lien belonging to the lien is not included in the information about the lien who requests the transfer of the lien or agrees to the transfer of the lien, the validity determination module Is not valid,
Collateral management device. The method according to claim 1,
If the validity determination module determines that the signal related to the management action of the security right is invalid, the interface module requests the management action of the security interest specified by the signal related to the management action of the security right, or does not agree with the management action To transmit a lien management query signal to the lien or customer who can provide consent or request to validate the signal regarding the management action among the lien or the customer,
Wherein the validity determination module re-determines the validity of the signal related to the management action of the lien when the interface module receives a signal regarding the management action of the lien corresponding to the transmission of the lien management query message,
Collateral management device. The method according to claim 1,
Wherein the signal regarding the management action of the lien is the signal to execute the lien, the signal to execute the lien includes at least one of a lien to be executed, information about a lien who requests execution of the lien,
Collateral management device. 13. The method of claim 12,
Further comprising a collateral execution module for distributing the assets for which the collateral right is set to at least one of the plurality of collateral holders based on information about at least one of a ranking relationship and an equity relationship among the plurality of collateral holders included in the collateral information database,
Collateral management device. 14. The method of claim 13,
Wherein the collateral execution module distributes the collateral directly to the lien, or encapsulates and distributes the collateral,
Collateral management device. 15. The method of claim 14,
Wherein the distribution of the collateral by the collateral execution module is performed prior to the subordinate lien,
Collateral management device. 16. The method of claim 15,
Wherein the collateral execution module distributes the collateral according to the equity relationship between the plurality of collateral holders when a plurality of collateral holders of the same rank exist in the collateral to be distributed,
Collateral management device. 15. The method of claim 14,
Wherein the collateral management module deletes information about a security right set in the collateral and the collateral in the collateral information database when the collateral is exhausted by distribution by the collateral execution module, The amount of the collateral is changed to the remaining amount in the collateral information database and the information about the collateral right set in the collateral is deleted to reflect the execution of the collateral right in the collateral information database,
Collateral management device. 15. The method of claim 14,
If the collateral holder requesting the execution of the collateral right or agreeing to execute the collateral right corresponds to the senior collateral holder and the collateral of the senior collateral holder disappears due to the distribution of the collateral in the collateral execution module, Establishing a lien for subordinate lienes against the collateral,
Collateral management device. 15. The method of claim 14,
Wherein the information on the lien included in the lien execution signal relates to at least a part of the collateral of the lien, and the execution of the lien by the collateral execution module is performed on at least a part of the collateral.
Collateral management device. The method according to claim 1,
Wherein the signal indicating the management action of the lien is a signal of destruction of the lien, and the signal of destruction of the lien includes at least one of a lien to be destroyed, a request for destruction of the lien,
Collateral management device. 21. The method of claim 20,
Wherein the security management module deletes information on a security right specified by the security interest cancellation signal in the security information database,
Collateral management device. 22. The method of claim 21,
Wherein the collateral management module comprises:
If there is no collateral holder of the same rank as the collateral holder of the collateralized collateral right, the collateral holder of the collateral collateral right is transferred to the collateral holder of the next rank of the collateral holder of the collateralized collateral right,
If there is another lien with the same rank as the lien of the collapsed lien, the other lien of the same rank succeeds the share corresponding to the collapsed lien,
If there exists a plurality of other lienes of the same rank as the liener of the collapsed lien, the plurality of other lienes may inherit the interest corresponding to the collateralized lien in accordance with the equity relationship between the plurality of other lienes,
Collateral management device. 21. The method of claim 20,
Wherein the information related to the collateral right subject to extinction included in the collateral allegedly relates to at least a part of the collateral right and the extinction of the collateral right by the collateral management module is performed on at least a part of the collateral right,
Collateral management device. The method according to claim 1,
The signal regarding the management action of the lien is the signal to transfer the lien, and the signal to transfer the lien includes at least one of a lien to be transferred, a transfer of a lien, a request for transfer of a lien or an information about a lien doing,
Collateral management device. 25. The method of claim 24,
Wherein the reflection of the security right transfer is performed by the security management module changing the security right of the security right that is the subject of the transfer from the security information database to the positive number,
Collateral management device. 25. The method of claim 24,
If the transferee is one of the existing lienes, the collateral management module integrates the information about the lien transferred in the collateral information database and the information about the conventional lien, with respect to the transferee,
Collateral management device. 25. The method of claim 24,
The information on the security right that is the object of the transfer included in the security right transfer signal relates to at least a part of the security right,
Wherein the transfer of the lien by the collateral management module is performed on at least a portion of the lien,
Collateral management device. 25. The method of claim 24,
Wherein the lien transfer signal comprises at least a portion of the lien transfer signal,
Collateral management device. A method of operating a collateral management system,
Receiving a security right signal for displaying a security right signal for displaying the security right by distributing the security to a plurality of security holders by executing a security right established with a manageable customer's assets as a security, Or information about a security owner who agrees to execute the security;
Determining the validity of the lien execution signal; And
Distributing the asset for which the lien is set to at least one of the plurality of lienes based on information about at least one of a ranking relation and an equity relationship among the plurality of lienes when the lien execution signal is judged to be valid;
. ≪ / RTI > 30. The method of claim 29,
Further comprising the step of reflecting the execution of the security right specified by the security right execution signal to the security information database,
Wherein the security information database includes information on a security right established with the asset and the asset as collateral corresponding to a customer account department, the information on the security right includes a plurality of security owners having a security right for the collateral, A rank relation between the first rank and the second rank,
The information about the security right set in the non-default asset among the assets is included in the security information database to generate the counter power against the subordinate right holder and the stakeholder,
How it works. 30. The method of claim 29,
Further comprising the step of registering a settlement date for the lien to acquire counter power of the lien set in the contractable asset among the assets,
How it works. 30. The method of claim 29,
Wherein the step of distributing the security to the lien is performed by directly distributing the security to the lien based on information on at least one of the ranking relationship and the equity relationship among the plurality of lienes or by cashing and distributing the security,
How it works. 33. The method of claim 32,
Wherein the step of distributing the collateral to the lien is performed by distributing the collateral to the lien in a higher priority than the subordinated lien,
How it works. 33. The method of claim 32,
Wherein the step of distributing to the lien is performed by distributing the collateral according to the equity relationship between the plurality of lienes when a plurality of lienes of the same rank exist in the collateral,
How it works. 31. The method of claim 30,
Wherein the step of reflecting, in the security information database,
If the collateral is exhausted by the distributing step, deleting information on the collateral and the collateral held in the collateral in the collateral information database; And
Changing the quantity of the collateral to the remaining quantity in the collateral information database and deleting the information about the collateral right set in the collateral if at least a part of the collateral is left by the distributing step,
How it works. 33. The method of claim 32,
Wherein the step of reflecting, in the security information database,
If the lien of the senior lien expires at the stage of requesting the execution of the lien or agreeing to execute the lien, and the lien of the senior lien becomes expired at the stage of distributing the lien to the lien, the lien for the subordinate lien Comprising:
How it works. 33. The method of claim 32,
Wherein the information on the lien included in the lien execution signal is related to at least a part of the collateral of the lien, and the step of distributing to the lien is performed on at least a part of the collateral,
How it works. A method of operating a collateral management system,
Receiving a signal of destruction of a lien on the basis of an asset of a customer who can be managed by using an account of the customer as a collateral; receiving a signal of destruction of the lien which is established by destroying the lien of the customer; - at least one of the following information:
Determining the validity of the lien signal; And
Wherein the control unit determines whether or not the collateral loss signal is valid based on information on at least one of a rank relationship and a equity relationship among a plurality of collateral holders possessing a collateral right against the asset, Reflecting to the database,
Wherein the security information database includes information on a security right established with the asset and the asset as collateral, the information on the security right includes a plurality of security owners having a security right for the security, a rank relation between the plurality of security owners, ≪ / RTI >
How it works. 39. The method of claim 38,
The step of reflecting in the secured information database
And deleting the information on the security right specified by the security interest cancellation signal in the security information database,
How it works. 40. The method of claim 39,
Wherein the step of reflecting, in the security information database,
If another collateral holder of the same rank as the collateral holder of the collateralized collateral right exists, succeeding the other collateral holder of the same rank to the collateralized collateral right; And
Further comprising the step of transferring the rank of the collateral holder of the collapsed collateral right to the collateral holder of the next rank of the collateral holder of the collateral collateral right if the collateral holder of the same rank as the collateral holder of the collateralized collateral right does not exist,
How it works. 41. The method of claim 40,
The step of reflecting in the secured information database
And if the plurality of other lien holders of the same rank exist, inheriting the lien corresponding to the collateralized lien in accordance with the equity relationship between the other lien holders,
How it works. 39. The method of claim 38,
Wherein the information related to the collateral right subject to extinction included in the collateral allegedly relates to at least a part of the collateral right and the extinction of the collateral right by the collateral management module is performed on at least a part of the collateral right,
How it works. A method of operating a collateral management system,
Receiving a signal of transferring a security for transferring a security that is established by transferring a security that is set as a security for the management of the customer's assets displayed as an account, the signal being a transfer of the security, the transfer of the security, the transfer of the security, Including at least one of the information about the lien who agrees;
Determining the validity of the lien transfer signal; And
And a control unit for controlling the transfer of the security right specified by the security right transfer signal based on the information on at least one of the ranking relationship and the equity relationship between the plurality of the security owners having the security right for the asset, Reflecting to the database,
Wherein the security information database includes information on a security right established with the asset and the asset as collateral, the information on the security right includes a plurality of security owners having a security right for the security, a rank relation between the plurality of security owners, ≪ / RTI >
How it works. 44. The method of claim 43,
The secured information database corresponds to a customer account department,
The information about the security right set in the non-default asset among the assets is included in the security information database to generate the counter power against the subordinate right holder and the stakeholder,
How it works. 44. The method of claim 43,
Further comprising the step of registering a settlement date for the lien to acquire counter power of the lien set in the contractable asset among the assets,
How it works. 44. The method of claim 43,
Wherein the step of reflecting the security information in the security information database is performed by changing the security person of the security right that is the object of the transfer in the security information database to a positive number,
How it works. 47. The method of claim 46,
Wherein the step of reflecting the security information in the security information database is performed by integrating information on a security right transferred in the security information database and information on a security right that has been held in advance with respect to the transferee if the transferee is one of the existing security owners,
How it works. 44. The method of claim 43,
The information on the security right that is the object of the transfer included in the security right transfer signal relates to at least a part of the security right,
Wherein the transfer of the lien by the collateral management module is performed on at least a portion of the lien,
How it works. 44. The method of claim 43,
Wherein the lien transfer signal comprises at least a portion of a lien transfer signal,
How it works. A method of operating a collateral management system,
Receiving a security signal for setting a security as a security by displaying an account of the customer as an asset; managing the security of the customer and the security of the customer; Including at least one of the information about the other lien;
Determining the validity of the security right setting signal; And
And setting the security right specified by the security right setting signal on the basis of information on at least one of a ranking relationship and a equity relationship between a plurality of security holders having a security right for the asset when the security right setting signal is judged to be valid, Reflecting to the database,
Wherein the security information database includes information on a security right established with the asset and the asset as collateral, the information on the security right includes a plurality of security owners having a security right for the security, a rank relation between the plurality of security owners, ≪ / RTI >
How it works. 51. The method of claim 50,
The secured information database corresponds to a customer account department,
The information about the security right set in the non-default asset among the assets is included in the security information database to generate the counter power against the subordinate right holder and the stakeholder,
How it works. 51. The method of claim 50,
Further comprising the step of registering a settlement date for the lien to acquire counter power of the lien set in the contractable asset among the assets,
How it works. 51. The method of claim 50,
Wherein the step of reflecting the new security information in the security information database comprises the steps of: when the new security information specified by the security information setting signal in the security information database is the same rank or priority as the predetermined security information in the ranking relation, Which is performed by changing at least one of a ranking relationship and a equity relationship of the security right,
How it works. 54. The method of claim 53,
Wherein the step of reflecting the security information on the security information database is performed by integrating information about the security information newly created in the security information database and information on the security information that has been held in the security information database to the security person if the security person is one of the existing security persons.
How it works. A computer-readable recording medium having recorded thereon a program for performing the method according to any one of claims 29 to 54.

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