KR20200019519A - Methos and system for equity-backed loan using individual security settings - Google Patents

Abstract

Disclosed are a method for stock collateral loan service with the establishment of an individual security and a system thereof. The method for stock collateral loan service with the establishment of an individual security includes: a step in which a stock collateral loan service system receives a loan request regarding a stock included in an original account as a collateral stock; a step in which the stock collateral loan service system determines whether to give a loan in response to the loan request; a step in which if the load is possible as a result of the loan determination, the stock collateral loan service system creates a new account for managing the collateral stock and processes the new account to enable the collateral stock with a set security right to be managed by the new account; a step in which if a load amount calculated as a result of the loan determination is deposited into the new account, the stock collateral loan service system sets a security right over the loan amount; and a step in which the stock collateral loan service system conducts a management process in regard to the loan amount and the collateral stock managed by the new account and having a security right set individually.

Description

Method and system for equity-backed loan using individual security settings

The present invention relates to a method and a system for secured mortgage loans through individual mortgage setting, and more particularly, to a method and a system for effectively making a mortgage loan through mortgage setting for each individual asset of a customer. .

In the past, stock mortgages that secured stocks have been widely used.

An example of such a collateral loan is a securities lender provided by a securities company. This is a service that allows an investor to make an additional investment through loans by making a loan on stocks as collateral. However, these securities firms are designed to automatically repay the sale of cash when the secured securities are sold. Since it is dependent, there is a problem that the loan limit must be low.

Meanwhile, although stocks are not directly collateralized, stock loan services are widely active. Such a stock loan service is disclosed in detail in Korean Patent Registration No. 10-0365195, "Real-time risk management / control system for online stock trading and lending".

Such a stock loan service is a service for setting a collateral for a stock account, rather than setting collateral for each individual stock, so that all assets included in the stock account can function as collateral in a batch. Such a stock loan service has a merit that a loan limit can be increased compared to a securities company's stock mortgage lending service, but it can be serviced only if the security of the stock account itself can be secured. If it is impossible to set, there is a problem that can not be implemented. In addition, the stock loan service is designed to participate in the services of various service providers (settlers, lenders (such as savings banks), loan brokerage agencies (RMS), etc.), so that sensitive data such as contract complexity and personal information Safety, such as being distributed to subjects, can be a problem.

Therefore, the technical problem to be achieved in the present invention is to establish a security right for each individual asset, such as a stock existing in the stock account, without having to set up a security right for the stock account itself, and the establishment of such security rights and It is to provide a method and system for stably providing loan services while raising loan limits through adaptive policies.

Stock mortgage lending service method by setting individual mortgage for achieving the technical problem is the stock mortgage lending service system receiving a loan request as a collateral stock of the stock included in the original account, the stock mortgage loan service system is Performing a loan determination in response to the loan request, when the loan determination result determines that the loan is possible, the stock security loan service system generates a new account for managing the security stock, and the security stock with the security right set up; Performing a new account processing to be managed by a new account; when a loan calculated as a result of the loan determination is deposited in the new account, the securities lending service system sets up a security right for the loan, and the securities loan The service system is managed by the new account and is individually secured The equity shares are set and performing a management process for the loan.

The step of performing the management process for the security securities and the loans for which the security rights are individually set may be performed in response to the sell request for the sell-out collateral stocks which are at least a part of the collateral stocks. It may include the step of performing a security setting for the selling of the security request for collateral stock.

The step of performing the management process for the security securities and the loans for which the security rights are individually set is managed by the new account except for the sell request collateral stocks, after the sale of the sell request collateral stocks is performed. And determining whether the sum of the values of the collateral assets is equal to or greater than a predetermined reference mortgage ratio to the loan amount, wherein the stock mortgage lending service system includes a security stock in the selling request according to a determination result that the value of the security collateral is equal to or greater than the reference collateral rate. It may be characterized by selectively performing the security setting for the selling of the.

The step of performing the management process for the secured shares and the loans for which the security rights are individually set may be to set up collateral for the sale of the requested collateral stock and to purchase only the stocks for the sell-offs for which the collateral is secured. May include managing to.

The step of performing the management process for the security securities and the loans for which the security rights are individually set may be performed in response to the sell request for the sell-out collateral stocks which are at least a part of the collateral stocks. The stock mortgage lending service system may include repaying at least a portion of the selling money and setting a security right for the remaining selling money according to a predetermined selling payment repayment setting policy.

In the event that the sale of the sell-demand collateral stock is performed in response to the sell request for the sell-out collateral stock, which is at least a part of the collateral stock, at least a portion of the sell-off shall be repaid according to a preset selling repayment setting policy. In the step of setting a security right for the stock mortgage lending service system, a repayment process is performed for the repayment cost so that the mortgage rate of the new account can be the target mortgage rate based on the loss cut rate, Establishing a security right for the service.

The step of performing the management process for the secured shares and the loans for which the security rights are individually set may be performed in response to the purchase request for a predetermined purchase stock, after the stock security loan service system purchases the purchase stock to the purchase stock. Establishing a security right for the service.

In response to the purchase request for the predetermined stock, the step of setting the security right for the stock after the stock security loan service system buys the stock, the stock security loan service system may secure the security right of the deposit of the new account. If the set amount is present and the security right is not set enough, only if it is insufficient to buy the stock, it may include the step of setting the security right for the stock after the purchase of the stock.

The step of performing the management process for the mortgage stock and the loan, wherein the security right is individually set, further comprises the step of determining whether the stock purchase loan requested by the stock mortgage service system is a stock allowed for purchase, It may be characterized in that only the stocks allowed for purchase allow the purchase of the stocks.

In accordance with another embodiment of the present invention, the method of providing a secured mortgage through an individual mortgage setting includes receiving a loan request for a stock secured by a stock mortgage lending service system as a collateral stock, the stock mortgage lending service system. Performing a loan determination in response to the loan request; when the loan determination result determines that the loan is possible, the collateral loan service system generates a new account for managing the collateral stock, and the collateral stock with the security right set Performing new account processing so that the new account is managed by the new account; and when the new asset is managed by the new account, the valuation value of the security right-managed assets managed in the new account, except for the new asset, Whether or not to establish a security right for the new asset depending on whether or not It is characterized in that the adaptive selection.

The securities lending service method through setting individual mortgages may be performed by a computer program stored in a recording medium.

Stock mortgage loan service system through the individual mortgage setting according to an embodiment of the present invention includes a processor, a memory that stores a program implemented by the processor, the program is a loan request for the security stock of the stock included in the original account Receive a loan, perform a loan judgment in response to the loan request, and if it is determined that the loan is possible, create a new account for managing the security stock, and set up a security right for the security stock. New account processing is performed so that the set collateral stock is managed by the new account, and when a loan determined as a result of the loan determination is deposited in the new account, a security right is set for the loan, managed by the new account and individually secured. The management process for the secured stock and the loan is set.

The program may perform a security setting for the sale of the request for sale collateral when the sale of the request for sale collateral is performed in response to the sell request for the request for sale collateral for at least a portion of the collateral.

The program determines whether the sum of the values of the collateral assets managed by the new account, except for the sold request collateral stock, is greater than or equal to a predetermined reference mortgage ratio to the loan after the sell-out of the requested security collateral stock is performed. And, according to the determination result of the reference mortgage ratio or more, it is possible to selectively perform a security set for the sale of the security stock in the selling request.

The program may manage to set the security for the sale of the requested security collateral shares and to only buy the stock for the sale that the security is set.

The program reimburses at least a portion of the selling payment in accordance with a preset selling repayment setting policy when the selling of the selling request collateral stock is performed in response to the selling request for the selling request collateral stock at least part of the collateral stock. And a security right for the remaining sales.

The program may set a security right for the buy stock after buying the buy stock in response to a purchase request for a predetermined buy stock.

The program may set a security right for the stock after the purchase of the stock only if the amount of the security right of the deposit of the new account is present and the amount of the security right is not sufficient to buy the stock. .

According to another embodiment of the present invention, a security system for collateral loan through individual collateral setting includes a processor and a memory in which a program implemented by the processor is stored, and the program is a loan in which the stock included in the original account is a collateral stock. Receiving a request, performing a loan determination in response to the loan request, and if the loan determination determines that the loan is possible, the stock security loan service system generates a new account for managing the security stock, and the security right is set. When the new account is processed so that the collateral stock is managed by the new account, and the new asset is managed by the new account, the valuation value of the asset whose security right is managed in the new account except for the new asset is The new property is subject to security rights, Selects whether information adaptively.

According to the present invention, the method of collateral loan service and the system through the individual collateral setting according to the present invention can use various assets as collateral even if the collateral is not secured through the setting of the security right for the individual asset. Compared to loan services, the loan limit can be raised relatively.

In addition, even when an asset for which a security right is set is used (sell or buy, etc.), it is possible to set up a tracked security right for the used asset, which makes it possible for investors to utilize the security of the asset. It is possible to repay the loan principle.

In addition, even if it is impossible to establish a security right for the stock account, the effect that can be obtained when the stock account is set as collateral through the security right setting for the individual asset and the tracking security right for the asset set as collateral, It is possible to use the entire asset as a collateral asset.

BRIEF DESCRIPTION OF THE DRAWINGS In order to better understand the drawings cited in the detailed description of the invention, a brief description of each drawing is provided.
1 is a schematic system configuration for implementing a method of collateral loan service by setting individual collateral according to an embodiment of the present invention.
2 is a view for explaining a schematic configuration of a stock mortgage loan service system by setting individual collateral according to an embodiment of the present invention.
FIG. 3 is a flowchart illustrating a loan execution process of a method of providing a security service for an equity collateral by setting individual collateral according to an embodiment of the present invention.
4 to 6 are diagrams showing an example of setting a security right for an individual asset according to an embodiment of the present invention.
7 to 8 are diagrams for explaining a management process when a security asset is sold in accordance with an embodiment of the present invention.
9 to 12 are diagrams for explaining a management process when buying stocks using collateral assets according to an embodiment of the present invention.
13 is a view for explaining a management process when withdrawal or transfer of deposit according to an embodiment of the present invention.

In order to fully understand the present invention, the operational advantages of the present invention, and the objects achieved by the practice of the present invention, reference should be made to the accompanying drawings which illustrate preferred embodiments of the present invention and the contents described in the accompanying drawings.

In addition, in the present specification, when one component 'transmits' data to another component, the component may directly transmit the data to the other component, or through at least one other component. Means that the data may be transmitted to the other component.

On the contrary, when one component 'directly transmits' data to another component, it means that the data is transmitted from the component to the other component without passing through the other component.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference numerals in the drawings denote like elements.

1 is a schematic system configuration for implementing a method of collateral loan service by setting individual collateral according to an embodiment of the present invention.

Referring to FIG. 1, in order to implement a method of providing a secured mortgage service through setting individual mortgages according to the technical spirit of the present invention, a secured mortgage service system (hereinafter referred to as a 'service system') 100 may be provided. Can be. The service system 100 may communicate with a customer (investor) terminal and / or an information source system 400 to implement a method of providing a secured mortgage service by setting individual collateral according to the technical idea of the present invention.

The customer terminal may be a terminal for requesting a loan application to the service system 100 while the investor uses. The customer terminal may be implemented as any terminal capable of communicating with the service system 100 wired or wireless to implement the technical idea of the present invention, such as a smartphone, a computer, a tablet, a set-top box of the investor. The average expert in the art will be able to reason easily.

While the information source system 400 communicates with the service system 100, information necessary to implement the technical idea of the present invention (for example, the present value of the collateral asset, an event related to the transaction of the stock (trade stoppage) , Information relating to investmentism, etc.) may be provided to the service system 100. The information source system 400 may be, for example, a stock exchange system, a system built in a securities company, a system built separately from the service system 100, or a system for providing a portal site. It may be implemented in any form of system that can provide the necessary information to the service system 100 to implement the technical idea.

An example of the service system 100 may be a system in which a conventional securities company system 200 and a RMS (Risk Management System) 300 for performing a conventional stock purchase loan are combined. Of course, through this combination, a new type of collateral management and / or risk management as defined herein may be implemented by the service system 100.

The securities firm system 200 may be configured to perform ledger management of the investor's stock account, the setting of the security right, the purchase and sale of the stock, and the like. In addition, according to an embodiment of the present invention, it is possible to create an account for managing an asset for which a security right is set, to set a selective security right for the asset, and the like.

The RMS 300 may monitor the price of the asset, determine whether it is counter-purchased, or the like as in the conventional stock purchase loan.

An example of a functional configuration of the service system 100 of FIG. 1 is exemplarily illustrated, and as shown in FIG. 1, the configuration of the system may not be functionally divided, and the service system 100 An average expert in the art of the present disclosure may easily deduce that the functions may be divided into more physical configurations and various embodiments may be possible. In addition, the configuration of the service system 100 by the service system 100, which is defined by the present specification, which configuration of the service system 100 may be varied according to the embodiment of the service system 100 The average expert in the field will be able to reason easily. Of course, the implementation subjects of the respective configurations provided in the service system 100 may also be different or may be the same.

2 is a view for explaining a schematic configuration of a stock mortgage loan service system by setting individual collateral according to an embodiment of the present invention.

First, referring to FIG. 2, a stock security loan service system (service system) 100 is provided through an individual collateral setting in order to implement the method of providing a secured collateral loan through individual collateral setting according to the technical idea of the present invention.

The service system 100 may include a memory 120 in which a program for implementing the technical idea of the present invention is stored, and a processor 110 for executing the program stored in the memory 120.

An average expert in the technical field of the present disclosure may easily infer that the processor 110 may be named by various names, such as a CPU and a mobile processor, according to an embodiment of the service system 100. In addition, as described with reference to FIG. 1, the service system 100 may be implemented by organically combining a plurality of physical devices. In this case, at least one processor 110 may be provided for each physical device. It will be readily apparent to the average expert in the art that the implementation of (100) can be implemented.

The memory 120 may be implemented as any type of storage device in which the program is stored and accessible by the processor to drive the program. In addition, according to a hardware implementation example, the memory 120 may be implemented as a plurality of storage devices instead of any one storage device. In addition, the memory 120 may include a temporary memory device as well as a main memory device. In addition, the present invention may be implemented as a volatile memory or a nonvolatile memory, and may be defined to include all types of information storage means implemented to store the program and to be driven by the processor.

The service system 100 may be a system operated and executed by a securities company according to an embodiment, may be implemented in various ways such as a web server, a computer, and any form of data capable of performing the functions defined herein. It may be defined to include a processing device.

In addition, according to an embodiment of the service system 100, various peripheral devices (peripheral devices 1 to peripheral device N) may be further provided. For example, the average expert in the art may readily deduce that a keyboard, a monitor, a graphics card, a communication device, and the like may be further included in the service system 100 as a peripheral device.

FIG. 3 is a flowchart illustrating a loan execution process of the method of providing a security service for a stock mortgage through setting individual security according to an embodiment of the present invention.

Referring to FIG. 3, the service system 100 according to the technical spirit of the present invention may receive an investment request from a customer terminal (S100). The investment request may include information on the stock to be secured.

Then, the service system 100 may perform a loan determination in response to the received investment request (S110). Loan determination may include a judgment as to whether a loan is possible and a judgment about loans based on the stocks to be secured. The service system 100 may store a criterion for the loan determination in advance, and perform the loan determination based on the criterion. The service system 100 may transmit the loan determination result to the customer terminal and specify the loan amount through the information received in response thereto. For example, the service system 100 may perform a loan determination, and may transmit information indicating that the loan determination is possible and information on the maximum possible loan amount to the customer terminal. Then, the service system 100 from the customer terminal can specify the loan by receiving the desired loan.

If it is determined that the loan is possible as a result of the loan determination, and the loan is specified, the service system 100 may manage the stock to be secured by the new account according to the technical idea of the present invention. To this end, the service system 100 may generate a new account for the loan. A security right (for example, pledge) for the security stock may be set and a new account processing may be performed for the security stock for which the security right is set (S120). In some embodiments, the security right may be set after the new account is processed for the security stock.

Performing a new account processing may mean that a specific asset is managed by the new account. The new account may be a logical account of the original account in which the specific asset existed. That is, it may be a virtual account generated to implement the technical idea of the present invention. According to an embodiment of the present invention, the logical account is generated in association with the original account and implemented as a virtual account generated for the technical idea of the present invention, so that the logical account can be utilized to perform a function specific to the function defined in the present specification. This can be efficient for account management of financial institutions. And the fact that a particular asset is managed by a new account may mean performing a series of processes to treat the new account as having the asset. For example, the new account may be a real account, and in this case, in order to allow a specific asset to be managed by the new account, it may mean that a transfer (replacement) is performed from the original account where the specific asset existed to the new account. Alternatively, the new account may be a virtual account, and in this case, a series of updates may be made to an account database such as an account ledger so that the specific asset exists in the new account so that the specific asset can be searched for in the holdings of the new account. May mean performing.

In any case, according to the technical concept of the present invention, the service system 100 may perform a new account processing so that the collateralized collateral stock is managed in a new account rather than the original account while performing the loan with the collateral. (S120).

In this way, the processing of a new account does not require a security right for the original stock account, that is, the original account itself, to hold collateral rights for various individual assets. This is to facilitate the operation. That is, according to the technical concept of the present invention, it is possible to enjoy the same effect as the security right is set in the account without performing the security right setting for the account itself, and furthermore, to adapt the adaptive security right setting policy according to the situation for each asset included in the account. By doing so, it is more flexible and has the effect of performing various collateral policies.

After the new account is processed, that is, the security stock in which the security right is set is managed in the new account, the service system 100 may perform loan payment processing to the new account (S130). The service system 100 may perform a loan payment processing, which may include a series of data processes that allow the loan to be paid by communicating with a predetermined system for executing a loan.

The service system 100 may also set a security right for the loan. In this case, the new account may have individual assets, that is, assets in which individual security rights are set for each of the security stock and the loan.

Thereafter, the service system 100 may perform a management process for the new account according to the technical idea of the present invention (S140).

The management process may include collateral risk management, collateral evaluation, counter-sale, etc. performed by a conventional risk management system (RMS).

The management process may also include managing an operation policy for an asset for which a security right is set. For example, the management process may include selling management of shares for which a security right is established. The management process may also include management of actions that can be made with secured cash. An example of such a management process will be described later.

After all, according to the technical concept of the present invention, when performing a collateral loan with a collateral while setting up a security right only for the stock and selling the stock for which the security right is set, as in the case of a conventional collateral loan, the loan is terminated. Technical features of creating new accounts to collectively manage collateralized assets and setting up security rights for each individual asset in these new accounts, even if they do not solve the problem of low availability and at the same time do not set up the security right for the account itself. May have

According to an embodiment of the present invention, the entire asset managed by the new account may have an effect similar to that of setting a security right for the actual account itself by individually setting it as a collateral asset that is a collateral of a loan.

Alternatively, according to an embodiment, by setting a security right selectively among the assets managed by the new account, it is possible to increase the utilization of the customer's assets within the scope of stable risk management.

This example will be described with reference to FIGS. 4 to 6.

4 to 6 are diagrams showing an example of setting a security right for an individual asset according to an embodiment of the present invention.

)은 담보권이 설정된 자산을 나타냄) 대출금 역시 개별적으로 담보권이 설정될 수 있으며 그런 경우 도 4에 도시된 바와 같이 신계좌에 의해 담보권이 개별적으로 설정된 담보주식 및 대출금이 관리될 수 있다. 물론, 상기 원계좌에 담보가 될 주식외에 다른 주식이 존재할 수도 있고, 이런 경우 다른 주식은 신계좌에 의해 관리되지 않고 여전히 원계좌에 의해 관리될 수 있음은 물론이다.First, FIG. 4 illustrates an example of a result of processing a new account through a loan request when there is only a stock to be secured in the original account before the loan request, as shown in FIG. 4. When a stock becomes a security stock through a loan request, the stock becomes a security stock with a security right (original letter L (

) Denotes an asset for which the security right is set.) The loan may also be separately secured. In this case, as shown in FIG. 4, the collateral stock and the loan for which the security right is individually set may be managed by the new account. Of course, there may be other stocks besides the stock to be secured in the original account, in which case the other stock may not be managed by the new account but still be managed by the original account.

In addition, according to another example as shown in Figure 5, the original account may include cash as well as stocks to be collateral. In this case, when a new account processing is performed by performing a loan request, the security right managed by the new account may be set separately from the collateral stock in which the security right is set and the total cash combined with the cash held in the loan. That is, FIG. 5 may be an example of an embodiment in which an asset existing in a new account is a collateral of a loan unconditionally.

Meanwhile, according to an embodiment, as shown in FIG. 6, cash as well as stocks to be collateralized in the original account may exist, and the assets managed by the new account may be secured collaterals and mortgages in which security rights are individually set. The original cash reserves may not be secured. Of course, the cash held in the original account may not be managed in the new account, and in this case, the assets managed by the new account may be only secured collateralized securities and loans secured. The same result as shown in 4 can be obtained.

As a result, various embodiments may be possible to ensure that only collateral stocks of assets held in the original account are managed in the new account during the execution of the loan, or that cash is managed in the new account for the user's investment. Whether to secure collateral assets may vary depending on the embodiment.

In any case, according to the technical spirit of the present invention, the security rights and the security stock can be separately set and managed in the new account.

The investor may then want to sell the collateral.

At this time, in the case of the conventional equity mortgage loan, the security right is terminated by selling the mortgage lender, the loan is terminated, but according to the technical concept of the present invention, the security asset managed by the new account is bought or sold, and the type of the asset is changed. Even if it is possible to keep the loan by setting the security right to track.

In addition, according to an example, when an asset is changed, the security right may be tracked and set unconditionally, but if the security asset already exists, the security right may not be set for the changed asset.

That is, according to the technical spirit of the present invention, a security right may be selectively set for an asset newly incorporated due to the disposal of the security asset according to the security power of the security asset managed by the new account.

This example will be described with reference to FIGS. 7 to 8.

7 to 8 are diagrams for explaining a management process when a security asset is sold in accordance with an embodiment of the present invention.

First, referring to FIG. 7, the service system 100 may receive a sell request for a security stock having a security right set from a customer terminal (S200). Of course, the selling request may include stocks and quantities to be sold, order types, and prices.

Then, the service system 100 may execute the selling (S210). Of course, it is of course possible to determine whether the sale is possible according to a predetermined requirement before the execution of the sale.

Then, the service system 100 may perform repayment determination and / or collateral determination on the selling after the selling is concluded (S220).

The repayment judgment may be a process of determining whether to repay all or part of the sale as a loan. The service system 100 may determine whether to repay all or part of the selling price when the collateral stock is sold according to the selling setting policy set by the customer in advance. In some implementations, at least a portion of the sale may be repaid only if it meets certain predetermined requirements.

For example, when a customer sells a security stock, he or she may set the full amount to be used to repay the loan. Then, the service system 100 may repay the selling price in full (S240). The collateral for the sale may not be established.

In some implementations, when a customer sells a security stock, a certain percentage of the sale may be used to repay the loan and the remainder to be used for investment.

Then, the service system 100 may perform the repayment processing of the predetermined ratio of the selling (S240), and may perform collateral setting for the remaining selling (S250).

Of course, the customer may be set not to repay the selling process, in this case, the selling security may be set for the whole selling (S250).

According to an embodiment, the service system 100 determines whether the mortgage rate of the new account is lower than a target mortgage ratio of a predetermined ratio or more relative to the rate of loss cut which is the anti-sales criterion. Only part of the selling may be repaid so that the target mortgage rate may be achieved (S240). In addition, the security right may be set for the remaining sales (S250). That is, from the customer's point of view, even if there is a risk of counter-sale or even if there is no risk of counter-sale, if the service system 100 always falls below the target collateral rate, the service system 100 automatically repays a part of the selling price to be the target collateral rate. There is an effect that the investment can be made freely from the nerve about the risk of counter-trade.

On the other hand, the service system 100 may always set a security right for the selling payment that is not repaid, but may also selectively set a security right according to the security of the new account as described above.

For example, after the service system 100 sells the requested collateral stock, the collateral power of the new account excluding the sold request collateral stock, that is, the value of the value of the individual collateral assets managed by the new account. It is possible to determine whether the sum is equal to or more than a predetermined reference mortgage ratio to the loan amount. And even if the selling of the collateral sold is not set as collateral, if there is sufficient collateral, the collateral may not be set for the selling.

That is, the service system 100 does not set the specific asset as collateral when the collateral power of the new account is equal to or higher than the standard collateral rate to determine whether to set a security right on a specific asset. It may be.

For example, as shown in FIG. 8, there may be 100 predetermined stocks. The customer can then make a sell request for all or part of these collateral stocks (eg, 60 weeks).

In this case, the service system 100 has a security ratio of the new account through the remaining collateral stocks (for example, 40 shares) and the remaining collateral assets managed by the new account, which is less than the base collateral rate (for example, 130% of the loan principal). In the following, the security right may be set for the sale of the selling request collateral stock (eg, 60 shares). On the contrary, if the collateral power of the new account through the remaining collateral stocks (for example, 40 shares) and the remaining collaterals managed by the new account exceeds the base collateral rate (eg, 130% of the loan principal, etc.), A security right may not be established for the sale of shares (eg, 60 shares).

That is, according to an example of the present invention, the assets managed by the new account may be unconditionally set the security right, but if the security power is higher than a certain level, the security rights are set among the assets managed by the new account if there is no risk of collecting the principal. Selective security rights can be set up so that investors can make better use of their assets.

In addition, the service system 100 may manage to perform only an action according to a predetermined rule with respect to the cash (eg, loan, selling, etc.) set as collateral by the new account.

For example, it can be managed to allow the purchase of shares only for cash (for example, selling, loans, etc.) for which the security right is set, but not transfer / withdrawal. It is also possible to buy only stocks allowed under a predetermined rule. Allowed stocks can be specified, for example, by defining rules for stocks (eg, investment stocks, alert stocks, etc.) that are not available for purchase in cash (including deposits) that are secured in advance in the service system 100. Of course.

As described above, with reference to FIGS. 9 to 12, collateral management in the case of purchasing stocks using cash assets (eg, cash, deposits, etc.) managed by a new account will be described.

9 to 12 are diagrams for explaining a management process when buying stocks using collateral assets according to an embodiment of the present invention.

First, referring to FIG. 9, the service system 100 may receive a purchase request from a customer terminal (S300). Of course, the purchase request may include the number of stocks to be bought, the quantity, and the type of order.

Then, the service system 100 may determine whether the stock to be requested is a stock that is allowed (S310), and if the stock is allowed, the purchase may be performed (S320).

In addition, it is possible to perform collateral setting on the stocks obtained as a result of the purchase execution (S330).

At this time, the security policy for the purchase stock may vary.

For example, as shown in FIG. 10, the new account is separately secured with cash assets 1 and 2, and the respective values may be 40 and 60, respectively.

And it can be assumed that 30 is required for the stock purchase requested from the customer terminal. In this case, since the security right is set on all cash equivalents, the stocks purchased through the secured cash equivalents may also be secured.

As a result, as shown in FIG. 10, the new account may be left with the cash equivalent asset 70 (which may be two separate collateral assets) with the security right and the purchase stock 30 with the security right.

On the other hand, as shown in FIG. 11, in the case where there is cash equivalent asset 1 (value 40) with security rights and cash equivalent asset 2 (value 60) without security rights, a purchase stock (value 30) from the customer terminal exists in the new account. When the purchase request is received and the purchase is executed, the purchase can be made with the cashless asset 2 (value 60) that the security right is not set as shown in FIG. 11, so that no security right is set for the purchase stock (value 30). It may be. As a result, the new account may have cash equivalents 1 (value 40) with security rights, cashless assets 2 (value 30) with no security rights, and purchase shares 30 with no security rights.

On the other hand, as shown in FIG. 12, in the presence of cash equivalents 1 (value 40) with security rights and non-secured assets 2 (value 60) with security rights settled in the purchase stock (value 70) in the new account. The purchase request for the purchase can be received and the purchase can be executed.

In this case, the service system 100 cannot purchase all of the stocks requested to buy with only cash equivalents 2 (value 60) that are not secured, and if the total buying stocks cannot be bought as unsecured cash equivalents, You can set a security right. In this case, as shown in the lower left of FIG. 12, the secured cash asset (value 30) and the secured stock 70 are left.

According to an exemplary embodiment, as shown in the lower right side of FIG. 12, the security right may be set only on the purchase stock as much as the share of the cash equivalent of which the security right is set on the purchase stock. At this time, as shown in the lower right side of FIG. 12, the security-set cash asset (value 30), the security right-set stock 10, and the security right stock 60 are left.

As described above, according to the technical spirit of the present invention, various collateral policies and stable loan management may be possible through setting and collectively managing collateral rights for each individual asset through a new account.

13 is a view for explaining a management process when withdrawal or transfer of deposit according to an embodiment of the present invention.

Referring to FIG. 13, the service system 100 may receive a withdrawal / transfer request from a customer terminal for cash equivalent assets managed by the new account.

And it is possible to determine whether to allow withdrawal / transfer.

To this end, the service system 100 may determine the mortgage rate of the new account, and may only allow withdrawal / transfer for the cash corresponding to the base mortgage rate or more when the predetermined mortgage rate is greater than or equal to the predetermined mortgage rate. Of course, there are cash and non-secured assets with security rights, and the unset cash assets may be allowed to withdraw / transfer regardless of such acceptance.

Equity mortgage service method through the individual collateral setting according to an embodiment of the present invention can be implemented as a computer-readable code on a computer-readable recording medium. Computer-readable recording media include all types of recording devices that store data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, hard disk, floppy disk, optical data storage, and the like. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. And functional programs, codes and code segments for implementing the present invention can be easily inferred by programmers in the art to which the present invention belongs.

Although the present invention has been described with reference to one embodiment shown in the drawings, this is merely exemplary, and it will be understood by those skilled in the art that various modifications and equivalent other embodiments are possible. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

Claims (20)

Receiving, by the stock security loan service system, a loan request for the security stock of the stock included in the original account;
Performing a loan determination by the stock security loan service system in response to the loan request;
If it is determined that the loan is possible as a result of the loan determination, the stock mortgage lending service system generates a new account for managing the collateral stock, and performs a new account processing so that the collateral stock with the security right is managed by the new account. step;
Setting a security right for the loan by the stock mortgage lending service system when a loan determined as a result of the loan decision is deposited in the new account; And
And performing a management process for the security stock and the loan, wherein the stock security loan service system is managed by the new account and is individually secured.
The method of claim 1, wherein the step of performing a management process for the mortgage stock and the loan, wherein the security rights are individually set,
In response to a sell request for the sell-out collateral stock, which is at least a part of the collateral stock, when the sell-out collateral stock is sold, the individual collateral including the step of setting up the collateral for the sell-off of the requested collateral stock; Stock mortgage service method through configuration.
The method of claim 2, wherein the performing of the management process for the security collateral and the loans for which the security rights are individually set,
Determining whether the sum of the values of the collateral assets managed by the new account other than the sold request collateral stock is greater than or equal to a predetermined reference mortgage ratio to the loan after the sale of the requested secured equity stock is performed. More,
The stock mortgage lending service system, by setting the mortgage for the sale of the security stock selectively to the sale request according to the determination result of whether or not the reference mortgage rate or more than Way.
The method of claim 2, wherein the performing of the management process for the security collateral and the loans for which the security rights are individually set,
Performing collateral setting for the sale of the requested security collateral stock and managing the purchase of the stock only for the sale in which the collateral setting has been performed.
The method of claim 1, wherein the step of performing a management process for the mortgage stock and the loan, wherein the security rights are individually set,
When the sell-off security request is performed in response to the sell-out request for the sell-off security collateral, which is at least a part of the collateral stock, the stock mortgage lending service system sets at least the selling amount according to a preset repayment setting policy. Method of securities lending service by setting up individual collateral including repaying part and setting up security right for remaining sales.
6. The method of claim 5, wherein when the selling of the selling request collateral is performed in response to the selling request for the selling request collateral, which is at least a part of the collateral, at least a portion of the selling according to a preset selling repayment setting policy. To redeem and set up a security right for the remaining sale,
Performing a repayment process for the repayment cost so that the mortgage rate of the new account may be a target mortgage rate based on a loss cut rate, and setting up a security right for the remaining sales. Stock mortgage loan service method by setting individual mortgages.
The method of claim 1, wherein the step of performing a management process for the mortgage stock and the loan, wherein the security rights are individually set,
In response to a purchase request for a predetermined buy stock, the stock security loan service system comprises the step of setting the security right for the buy stock after the buy stock buys.
The method of claim 7, wherein, in response to the purchase request for the predetermined stock, the stock security loan service system sets the security right for the stock after the stock is purchased,
If the security of the securities of the new account includes the amount of the security right set in the security deposit and the amount of the security right is not set, the stock security loan service system purchases the security stock only if it is insufficient to buy the stock. Stock mortgage service method through the individual mortgage setting comprising the step of setting.
8. The method of claim 7, wherein the performing of the management process for the mortgage stock and the loan, wherein the security rights are individually set,
And determining, by the stock mortgage lending service system, whether the purchase stock requested to be bought is a stock allowed to buy.
Stock security loan service method through the individual mortgage setting, characterized in that the purchase of the stock only allowed to buy stocks.
According to claim 1, The new account,
Stock security loan service method characterized in that the logical account associated with the original account.
Receiving, by the stock security loan service system, a loan request for the security stock of the stock included in the original account;
Performing a loan determination by the stock security loan service system in response to the loan request;
If it is determined that the loan is possible as a result of the loan determination, the stock mortgage lending service system generates a new account for managing the collateral stock, and performs a new account processing so that the collateral stock with the security right is managed by the new account. step; And
If a new asset is managed by the new account, adaptation of the security right to the new asset depends on whether the valuation value of an asset for which the security right managed in the new account, except for the new asset, is set is greater than or equal to the base security rate. Equity loan service method through the individual mortgage setting, characterized in that the selection as a target.
A computer program installed in a data processing apparatus and stored in a recording medium for performing the method according to any one of claims 1 to 11.
A processor;
A memory in which a program implemented by the processor is stored;
The program,
Receiving a loan request for the stock included in the original account as a collateral stock, performing a loan judgment in response to the loan request, and if it is determined that the loan is possible, a new account for managing the collateral stock is generated. And setting a security right for the security stock to perform a new account processing so that the security stock with the security right set is managed by the new account, and when the loan calculated as a result of the loan decision is deposited in the new account, the security right is secured for the loan. And a secured mortgage service system through individual mortgage settings for managing the secured stock and the loans, which are managed by the new account and which are individually secured.
The method of claim 13, wherein the program,
Stocks through individual collateral setting for setting up collateral for the sale of the requested security collateral when the sale of the requested collateral stock is carried out in response to the selling request for the sell requested collateral stock at least part of the collateral stock; Mortgage Loan Service System.
The method of claim 14, wherein the program,
After the sell-out of the requested security collateral stock is carried out, it is determined whether the sum of the values of the collateral assets managed by the new account except for the requested selling collateral stock is equal to or greater than a predetermined reference mortgage ratio to the loan, and A system of collateral loan service through individual collateral setting for selectively setting collateral for the sale of collateral stocks in the selling request according to a determination result of whether the ratio is equal to or greater than the standard collateral ratio.
The method of claim 14, wherein the program,
A security collateral loan service system that performs collateral setting of the selling request of the collateral for the selling request and sets individual collateral for managing only the purchase of the stock for the selling that the collateral setting is performed.
The method of claim 13, wherein the program,
In response to a sell request for the sell-out collateral stock which is at least a part of the collateral stock, when the sell-out collateral stock is sold, at least a portion of the sell-off is repaid and the remaining sell is made in accordance with a preset repayment setting policy. Stock mortgage lending service system by setting individual collateral for setting up security right for gold.
The method of claim 13, wherein the program,
In response to a purchase request for a predetermined buy stock, the stock security loan service system by setting up a security right for the buy stock after buying the buy stock.
The method of claim 18, wherein the program,
If the amount of the security right of the deposit of the new account exists and the amount of the security right is not set, the individual security setting for setting the security right for the stock after the purchase of the stock only after the purchase of the stock is insufficient. Stock mortgage loan service system.
A processor;
A memory in which a program implemented by the processor is stored;
The program,
When the loan request is received as a security stock for the stock included in the original account, the loan judgment is performed in response to the loan request, and when the loan judgment is determined that the loan is possible, the stock security loan service system manages the security stock. To generate a new account, to carry out a new account processing so that the security stock with the security right is managed by the new account, and when a new asset is managed by the new account, in the new account except for the new asset. Equity security service system through the setting of individual collateral, characterized in that adaptively select whether or not to set the security right for the new asset according to whether the value of the value of the managed security right is set to more than the base collateral rate.

Images