KR20200046375A - Method for providing consulting information for user's stock trading - Google Patents

Abstract

Disclosed are a method for providing consulting information and a computing system executing the same so as to be used for buying and selling stocks. One aspect of the present invention discloses the method for providing consulting information, which includes the steps of: checking, by a computing system, a selling quantity corresponding to a selling request, when the selling request for a specific stock included in a specific account of a user is present; specifying, by the computing system, acquisition information corresponding to the selling quantity, based on stock trading history information for the specific stock of the user, wherein the acquisition information includes an acquisition price or a type of goods reception transaction corresponding to the selling quantity; and providing consulting information including information on a target quantity which is at least a part of the selling quantity, or information for proposing a goods issue transaction other than selling with respect to the target quantity, based on the acquisition information specified by the computing system, wherein the target quantity is a quantity set at a low price upon selling so that the acquisition price matches a predetermined criterion compared to the other specific stocks included in the specific account, or is a quantity treated as being acquired by a predetermined type of goods reception.

Description

A method for providing consulting information and a computing system performing the same {Method for providing consulting information for user's stock trading}

The present invention relates to a method for providing consulting information and a computing system for performing the same, which determines which stocks are issued when the stocks received are released. More specifically, when a stock is issued for an incoming stock, the effect on the holder depends on which stock is considered to have been issued (for example, whether the stock was issued first, or the stock received later). , The transfer margin) may vary, so it relates to a method capable of providing consulting information on an advantageous delivery method to a holder and a computing system performing the same.

In addition, when a user wants to sell stocks, it relates to a method for specifying which stocks to sell are stocks based on what kind of stock event, and a method for providing adaptive consulting information accordingly, and a computing system performing the same.

As the use of computers and the Internet rapidly increases along with the development of ICT technology, the field of business using the Internet is expanding into a wide variety of fields. Recently, as a part of business through the Internet, sites providing various contents such as Internet advertisement, Internet broadcasting, online games, Internet newspapers / magazines, search services, portal services, and electronic commerce are rapidly increasing. Among them, there are also services for online securities trading.

Interest in stock investment as the entry barrier to stock investment has been lowered due to the generalization of the Home Trading System / Mobile Trading System, which enables users to buy and buy stocks through computers or mobile devices. This is expanding.

On the other hand, when a user (or an investor) buys and sells the stocks held by the user, at what point do you see the stocks you have bought (or, in other words, at what price do you see the stocks you have bought)? The gains may vary, for example, if an investor has 1000 shares bought at the price of P1 at the time T1 and 1000 shares at the price of P2 at the time T2, among the stocks held In the case of selling 1000 shares, the acquisition price of the stock to be sold may be changed to P1 or P2 depending on whether the stock is bought at the time T1 or the stock bought at the time T2. However, the transfer margin is the basis for calculating the transfer tax, etc., so that the stock investor who provides a strategy for deciding which stock to sell is considered as Wu may be useful.

In addition, it does not simply provide a strategy to reduce the transfer tax to be paid by the user at a certain point after the user makes a stock transaction, but preemptively provides an advantageous (at least in the transfer tax) strategy to the investor prior to the investor's stock transaction. By doing so, it can be very useful for the stock investor to choose an investment strategy that takes into account not only simple return on investment but also taxation.

The present invention provides a method of providing consulting information on whether the stocks received in the user's account are dealt with when the stocks received are handled by which of the various shipping methods, and how the stocks are advantageous. And it is to provide a computing system for performing this.

In addition, by providing a strategy to preemptively reduce the tax burden before the user conducts the stock transaction as consulting information, it is to provide a method and system that can improve the user's profit as a result.

In a method of providing consulting information according to an aspect of the present invention, a computing system, when there is a sell request for a specific stock included in a user's specific account, checks the selling quantity corresponding to the sell request, and the computing system Specifying acquisition information corresponding to the selling quantity based on the stock transaction history information of the user for the specific stock, wherein the acquisition information includes an acquisition price corresponding to the selling quantity or a type of an incoming transaction; The target quantity, which is a quantity of at least a part of the selling quantity based on the specific acquisition information of the computing system-the target quantity is such that, when sold, the acquisition price meets a predetermined criterion compared to other specific stocks included in the specific account. Low-priced quantity or quantity that is treated as acquired by a predetermined type of goods receipt - it may include the steps of providing information or consulting information including information that suggests the shipment transaction other than a sale for the target quantities for.

In addition, the method for providing consulting information, when the computing system performs the sale of the specific stock in the specific account, maintains pointing information for confirming the quantity of the selling amount of the sale corresponding to a goods receipt transaction. The method may further include a step of specifying the acquired information based on the pointing information.

In addition, in the step of maintaining the pointing information, when a delivery order method corresponding to the account is determined, the pointing information according to the determined delivery order method is maintained, and the delivery order method corresponding to the account is undecided If there is, it may be characterized in that the first pointing information and the second pointing information corresponding to each of the first delivery order method and the second delivery order method are maintained.

In addition, the step of providing the consulting information may include providing consulting information for suggesting a delivery to another account of the user or an account of another person other than the user for the target quantity.

In the method of providing consulting information according to an aspect of the present invention, when the computing system performs a withdrawal of at least a portion of the specific stock for a specific stock included in a user's specific account, the amount of the shipment corresponding to the shipment Determining the quantity corresponding to the goods receipt transaction, the computing system based on the result of the judgment, the target quantity that is at least a part of the quantity of the goods shipped before the goods issue is performed-the target quantity is acquired when sold It may include the step of judging the information about the quantity that is lower than the other specific stocks included in the specific account, or a quantity that is considered to be acquired by a predetermined type of receipt to meet a predetermined criterion. .

According to another aspect of the present invention, there is provided a computer-readable recording medium recording a program for performing the above-described method.

According to another aspect of the present invention, a computing system comprising a processor and a memory storing a program, wherein the program, when executed by the processor, causes the computing system to perform the method described above Is provided.

Computing system according to an aspect of the present invention, when there is a sell request for a specific stock included in the user's specific account, a confirmation module for checking the selling quantity corresponding to the sell request, the user's stock for the specific stock A specific module for specifying acquisition information corresponding to the selling quantity based on transaction history information, wherein the acquisition information includes an acquisition price corresponding to the selling quantity or a type of goods receipt transaction, and based on the specific acquisition information The target quantity, which is at least a part of the selling quantity, the target quantity is based on a quantity or a predetermined stocking type that is lowered so that the acquisition price meets a predetermined criterion compared to other specific stocks included in the specific account when sold. Information on the quantity that is considered to have been acquired, or the sales of the above-mentioned quantity, other than selling It may include consulting module to provide consulting information including information that suggests the deal.

In addition, when the sale of the specific stock is performed in the specific account, the specific module maintains pointing information for checking whether the selling quantity of the selling is a quantity corresponding to a kind of goods receipt transaction, and the pointing information maintained. Based on this, the acquired information can be specified.

In a computing system according to an aspect of the present invention, when a withdrawal is performed on at least a part of the specific stock for a specific stock included in a user's specific account, the number of shipments corresponding to the release corresponds to a certain goods receipt transaction A specific module for determining whether the quantity is, and a target quantity that is a quantity of at least a part of the quantity of the shipment before the goods issue is performed based on the determination result-the target quantity is included in the specific account at the time of sale It may include a consulting module for determining information about the quantity that is lowered to meet a predetermined criterion than the other specific stock or the quantity that is treated as acquired by a predetermined type of stock.

According to an embodiment of the present invention, among various shipping methods for stocks received in a user's account, a method for reducing the capital gain for a stock issued or reducing the taxation effect due to the capital gain is determined and consulting therefor Information can be provided. That is, there is an advantage that can provide consulting information on the most advantageous delivery method to the user.

That is, according to the technical idea of the present invention, after the stock is sold, the method of first issuing the stock first received to the customer (user) after the sale (that is, first-in, first-out) is advantageous in calculating the transfer difference or the stock received later. By providing consulting information on whether it is advantageous to first issue (last-in, first-out), it can help customers to make rational decisions.

Moreover, if the stock used for a specific goods issue transaction is determined according to the above-mentioned method, the holding period of the corresponding stock may vary according to the above-mentioned method, since the tax rate may vary according to the holding period. In this case, it can be very effective to provide consulting to users considering the retention period.

In addition, it is not only to provide consulting information after a certain point in time, but also to provide users with consulting information that can be profitable for taxation in advance before the user's stock transaction, so that the user's profit can be comprehensively promoted. .

BRIEF DESCRIPTION OF THE DRAWINGS In order to better understand the drawings cited in the detailed description of the present invention, a brief description of each drawing is provided.
1 is a view showing a driving environment of a method for providing consulting information on a method of selecting a delivery order of stocks received according to an embodiment of the present invention.
2 is a flowchart illustrating a method for providing consulting information according to an embodiment of the present invention.
3A is a diagram showing an example of an algorithm for calculating a first transfer difference when each withdrawal transaction for a predetermined analysis target period is performed according to the first method.
FIG. 3B is a diagram showing an example of an algorithm for calculating a second transfer difference when each withdrawal transaction is performed according to the second method during a predetermined analysis target period.
FIG. 4A shows an example of a list of transaction details for a target item, and FIG. 4B is a case in which the transaction details list of FIG. 4A is released by the first transfer amount and the second method when shipped by the first method. It is a figure showing the result of calculating the second transfer difference.
FIG. 5A shows another example of a list of transaction details for a target item, and FIG. 5B is a case in which the transaction details list of FIG. 5A is released by the first transfer amount and the second method when it is shipped by the first method. It is a diagram showing the result of calculating the second transfer difference of.
6 is a block diagram illustrating a schematic configuration of a computing system according to an embodiment of the present invention.
7 is a view for explaining a method of providing consulting information that can be provided to a user according to an embodiment of the present invention.
FIG. 8 is a diagram for explaining a method of determining which stock is to be sold based on an incoming transaction amount of stock to be sold in advance according to an embodiment of the present invention.
FIG. 9 is a view for explaining a method of determining which stock is to be sold according to another goods receipt transaction according to another embodiment of the present invention.

The present invention can be applied to various transformations and can have various embodiments, and specific embodiments will be illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the present invention to specific embodiments, and should be understood to include all conversions, equivalents, and substitutes included in the spirit and scope of the present invention. In the description of the present invention, when it is determined that a detailed description of known technologies related to the present invention may obscure the subject matter of the present invention, the detailed description will be omitted.

Terms such as first and second may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from other components.

The terms used in this application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise.

In this specification, terms such as “include” or “have” are intended to indicate that a feature, number, step, operation, component, part, or combination thereof described in the specification exists, or one or more other. It should be understood that features or numbers, steps, operations, components, parts, or combinations thereof are not excluded in advance.

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 It means that the data may be transmitted to the other components. Conversely, 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, the present invention will be described in detail with reference to the accompanying drawings. The same reference numerals in each drawing denote the same members.

1 is a view showing a driving environment of a consulting information providing method (hereinafter referred to as a 'consulting information providing method') for a method of selecting an order for issuing stocks received in accordance with an embodiment of the present invention.

Referring to FIG. 1, in order to implement a method for providing consulting information according to an embodiment of the present invention, a predetermined computing system 100 may be provided.

The computing system 100 may be a data processing device. In one embodiment, the computing system 100 may be a server.

The computing system 100 may generate consulting information on a shipping strategy for stock items held by a user, and provide consulting information to the user terminal 200 of the user.

In addition, the computing system 100 when the user performs a different shipping strategy (eg, replacement, transfer, etc.) other than the seller's desired quantity among the quantity to be traded in advance before trading the stock items owned by the user. It is also possible to identify in advance specific quantities that may be taxable and to provide consulting information accordingly.

The user terminal 200 may be an information processing device having a network communication function. For example, the user terminal 100 may be a desktop computer or laptop computer, or a mobile phone, satellite phone, wireless phone, Session Initiation Protocol (SIP), Wireless Local Loop (WLL) station, smartphone, tablet PC, PDA ( Personal Digital Assistant).

The computing system 100 and the user terminal 200 may be connected through a wired / wireless network to transmit and receive various information, data, and / or signals necessary to implement the technical idea of the present invention.

In addition, the computing system 100 may be connected to a predetermined securities company system 300 through a wired / wireless network to transmit and receive various information, data, and / or signals necessary to implement the technical idea of the present invention. For example, the computing system 100 may acquire account ledger information for the user's stock transaction from the securities company system 300 through a wired or wireless network. Depending on the implementation example, the computing system 100 may receive stock trading ledger information directly from a user.

According to another example, the computing system 100 may be installed and implemented in the user terminal 200, or may be installed and implemented in the securities company system 300. Or, if necessary, the user terminal 200 and the securities company system 300 may be a system implemented by being divided and installed and organically combined.

The securities company system 100 may be a system that provides trading services for stocks and other securities, or at least a system for maintaining / managing user account ledger information.

For example, FIG. 1 illustrates an example in which the computing system 100 performing the consulting information providing method is implemented in a separate form from the user terminal 200 and the securities company system 300, but the computing system according to the implementation example 100 may be implemented in the form of a sub-system included in the user terminal 200 or the securities company system 300. According to an example, the computing system 100 may be implemented by being included in a home trading system (HTS) or a mobile trading system (MTS) used by a user.

2 is a flowchart illustrating a method for providing consulting information according to an embodiment of the present invention.

Referring to FIG. 2, the computing system 100 receives the user's stock transaction ledger information (eg, account ledger information) from the securities company system 300 (or a user (or a person who manages or consults the user's assets)). It can be obtained (S100). The stock transaction ledger information may be information regarding the transaction history of stocks received or shipped to the user's account (for example, a stock account). Each transaction history may include the date and time of the transaction, the stock item, the amount of the transaction (number of shares), the unit price (for example, the amount of the sale, the amount of the purchase, etc.) and the type of transaction.

Receipt transactions can occur due to purchases, free stocks, paid-in capital stocks, stock dividends, and third-party stocks. The outgoing transaction may be caused by selling, substituting, transferring, third-party outgoing, etc., but depending on the embodiment, only the selling transaction may be treated as an outgoing transaction.

Meanwhile, the computing system 100 may generate and provide consulting information for a predetermined target item held by the user. To this end, the computing system 100 may extract the input and output details of stocks of a predetermined target item held by the user from the stock transaction ledger information of the user (S110).

Transaction ledger information includes transaction details for all stock items held by the user, and the computing system 100 may select and extract the input and output details of stocks of the target item among the transaction details.

In one embodiment, the computing system 100 may determine whether or not the user has a specific position for an enterprise corresponding to the target stock item before generating consulting information (S130). 100 may generate consulting information only when it is determined that the user has a specific position for a company corresponding to the target stock item.

In particular, the computing system 100 may determine whether the user has the status of a majority shareholder. That is, the computing system 100 may determine whether the user is a major shareholder of the company. According to an example, the computing system 100 may determine whether the majority shareholder is based on the end of the year immediately preceding the year to which the judgment point belongs. Of course, depending on the implementation example, even if it is not a major shareholder based on the end of the previous year, it is determined whether or not there is a possibility of meeting the current major shareholder criteria within a predetermined standard (e.g., within a predetermined ratio or amount relative to the standard ratio or standard amount corresponding to the majority shareholder standard) It is possible to determine whether it exists or not, and the consulting result according to the technical idea of the present invention may also be generated and provided to a user who is likely to be a major shareholder.

In one embodiment, the computing system 100 may determine whether or not the majority shareholder is based on the amount or amount of the target stocks held by the user or a person having a special relationship with the user. It may be a major shareholder if it exceeds the amount or amount of holdings prescribed by the law or other regulations. For example, if a user holds a stock of a specific company at a predetermined time point or more than a reference ratio, the user may be treated as a major shareholder in the taxation.

The standard ratio or reference amount depends on whether the specific company is a publicly traded or unlisted company, if it is a listed company, is a corporation listed on the securities market, a corporation listed on the KOSDAQ market, or a corporation listed on the Conex market. It may vary.

On the other hand, when determining whether to be a major shareholder, it may be determined by summing up the stocks held by a user in a certain special relationship (for example, direct subjugation, spouse, etc.) as well as the user himself or herself, as required or as prescribed by law. In addition, the range of related parties may vary depending on whether or not it is the largest shareholder.

In this case, if necessary, the computing system 100 may further obtain information about the stock transaction ledger information of the related person and determine whether the user corresponds to a specific position.

On the other hand, the computing system 100 may calculate a first transfer amount when performing each issue transaction during a predetermined analysis period for a stock of the target stock held by the user according to the first method (S140). ). At this time, the first method may be a method in which the stock of the target item held by the user is shipped with a stock having a fast arrival time.

The analysis target period may be a predetermined period, such as year, quarter, half year, and month.

In the first method, the goods issue transaction (for example, sell, transfer, transfer, etc.) made during the analysis target period is treated as being made sequentially for the stocks received in the order of receipt time. In other words, stocks with a faster stocking point among the stocks held are considered to have been first issued by the goods issue transaction. The first transfer amount means the transfer amount when the stock held by the user is issued in the first manner described above. On the other hand, in the case of an outgoing transaction with a unit price of 0 according to an embodiment (for example, a third-party outgoing sale, etc.), it may be regarded as having no transfer difference or excluded when calculating the transfer difference.

3A is a diagram showing an example of an algorithm for calculating a first transfer difference when each withdrawal transaction for a predetermined analysis target period is performed according to the first method.

In the part 1000 of the algorithm illustrated in FIG. 3A, variables to be used in the algorithm are initialized. In FIG. 3A, [B0, B2, B3, ..., Bm-1] is a list in which the stocks held by the user are sorted in the order of arrival, and is assigned to the variable Buy. [S0, S2, S3, ..., Sn-1] is a list in which the stocks issued by the user during the analysis period are sorted in the order of time of shipment, and assigned to the variable Sell. On the other hand, the first Dot variable is stored in the DoT variable after all the algorithms according to FIG. 3A are performed, and the variable Dot is initialized to 0. The variable Bt is a variable for stocks to be used in the part 1100, and i is a variable representing the index of Buy, and is initialized to 0. The initial value of Bt is set to the stock held (ie, B0) received at the earliest point. The variable St is a variable for the stock issued to be used in the subsequent part 1100, and j is a variable representing the index of Sell and is initialized to 0. The initial value of St is set to the stock held at the earliest point (ie, S0). The variable rsB is a variable representing the remaining quantity of the stocks allocated to Bt, and the initial value is set to the quantity of B0. N (x) represents the quantity of goods receipt or goods issue x. The variable rsS is a variable representing the remaining quantity of the issued stock allocated to St, and the initial value is set to the quantity of S0.

In the part 1100 of the algorithm shown in FIG. 3A, the total transfer amount for outgoing stocks is determined, and is performed until processing for all outgoing stocks is completed.

The first sub-part 1110 of the part 1100 of the algorithm deals with a case in which the balance of Bt (receiving stock) is less than that of St (outgoing stock). In the lower part 1110, after all the remaining amount (rsB) of the stock Bt of the current receipt is released, the variable is adjusted so that the next received stock can be processed. More specifically, the sum of the amount of the difference in the case of selling all the remaining amount of Bt (rsB) (P (x) represents the unit price of stock x), and the remaining amount of stock St (rsS) is equal to the remaining amount of Bt (rsB) After deducting, the stock that has the earliest arrival time must be processed, so the index i of Buy is increased to allocate the next stock to Bt. rsB is set to the quantity of the next stock received.

The second sub-part 1120 of the part 1100 of the algorithm covers a case in which the balance of Bt (receipt stock) is greater than that of St (outgoing stock). In the lower part 1120, the variable is adjusted so that the next issued stock can be processed after the remaining amount (rsS) of the currently issued stock St among the currently received stock Bt. More specifically, when the total amount of St (rsS) is sold, the amount of the difference is also summed up, the remaining amount of stock Bt (rsB) is subtracted by the amount of St (rsS), and the index j of Sell is increased to St. The next stock will be allocated. rsS is set to the quantity of the next issued stock.

The third sub-part 1130 of the part 1100 of the algorithm deals with the case where the balance of Bt (receipt stock) and St (receipt stock) are the same. In the lower part 1130, after all of the current stocks Bt are shipped, the variables are adjusted so that the next stocks and stocks can be processed. More specifically, the sum of the amount of the difference in the case of selling all the remaining amount of Bt (rsB), the index i of Buy is increased to allocate the next stock to Bt, and the index j of Sell is increased to the next stock to St Will be assigned. rsB is set to the quantity of the next incoming stock, and rsS is set to the quantity of the next outgoing stock.

The algorithm of FIG. 3A is only an example, and it is needless to say that there may be various algorithms for implementing the first method in which stocks of the target stock held by the user are shipped out with stocks having a fast arrival time.

On the other hand, the computing system 100 may calculate a second transfer difference when performing each issue transaction during the analysis period for the stock of the target item held by the user according to the second method (S150). At this time, the second method may be a method in which the stock of the target item held by the user is shipped out of stock with a late arrival time.

In the second method, it is considered that the goods issue transactions (eg, sell, substitute, other company issues, etc.) made during the analysis target period are sequentially performed in the reverse order of the arrival time. In other words, stocks with a late arrival point among the stocks held are considered to be shipped first by the goods issue transaction. The second transfer difference refers to the transfer amount when the stock held by the user is issued in the second manner described above. On the other hand, in the case of an outgoing transaction with a unit price of 0 according to an embodiment (for example, transfer except transfer, replacement, etc.), it can be considered that there is no transfer difference or it can be excluded from the calculation of the transfer difference.

FIG. 3B is a diagram showing an example of an algorithm for calculating a second transfer difference when each withdrawal transaction is performed according to the second method during a predetermined analysis target period. In FIG. 3B, [B0, B2, B3, ..., Bm-1] is a list in which the stocks held by the user are sorted in the order of arrival, and [S0, S2, S3, ..., Sn-1] are the users A is a list of stocks released during the analysis period in the order of delivery time, and after the algorithm according to FIG. 3B is performed, the second transfer amount is stored in the DoT variable.

The algorithm of FIG. 3B operates mostly similar to the algorithm of FIG. 3A, but there are some differences. When the difference is mainly described, since the algorithm of FIG. 3B has to be processed from the most recently received stock, the index i of Buy is set to m-1, so the initial value of Bt is the retained stock received at the latest time (ie, Bm-1).

On the other hand, in the algorithm of FIG. 3B, when the remaining amount of the stock Bt of the current stock is all released, the stock that is late after the receipt time must be processed, so the lower part 2110 and FIG. 3B corresponding to the lower part 1110 of FIG. 3A and FIG. In the lower part 2130 of FIG. 3B corresponding to the lower part 1130 of 3a, the index of Buy is decreased for the processing of the next received stock (increased in the algorithm of FIG. 3A).

The algorithm of FIG. 3B is also only an example, and it is needless to say that there may be various algorithms for implementing a second method in which stocks of the target stock held by the user are shipped out of stocks with a late arrival time.

FIG. 4A shows an example of a list of transaction details for a target item, and FIG. 4B is a case in which the transaction details list of FIG. 4A is released by the first transfer amount and the second method when it is shipped by the first method. It is a figure showing the result of calculating the second transfer difference.

Referring to Figure 4a, the user's account was received stock in the following order in chronological order.

-Buy 100,000 shares at 20,000 won on January 1, 2020

-10,000 shares free increase in March 31, 2020

Thereafter, the user sells 10,000 shares at a unit price of 30,000 won on July 1, 2020.

According to the above-described first method, as shown in FIG. 4B, the sale of 10,000 shares of 2020.07.01 characters (unit price 30,000 won) is the selling quantity among 100,000 shares of stocks purchased (buy) in 2020.01.01, which is the earliest time for users. The first transfer amount is calculated as follows, because 10,000 shares (unit price: 20,000 won) are sold.

1st transfer difference = transfer amount-acquisition price = 10,000 weeks * 30,000 won ?? 10,000 shares * 20,000 won = 100,000,000 won

On the other hand, according to the above-mentioned second method, the sale of 10,000 shares (unit price: 30,000 won) on July 1, 2020 is the sale of 10,000 shares (unit price: 0 won) of free stock at the end of the year, 2020.03.31. 2 The transfer amount is calculated as follows.

Second Transfer Amount = Transfer Amount-Acquisition Value = 10,000 weeks * 30,000 won ?? 10,000 shares * 0 won = 300,000,000 won

On the other hand, Figure 5a shows another example of the list of transaction details for the target item, Figure 5b is the first transfer amount and the second method when the transaction list of Figure 5a is released by the first method It is a figure showing the result of calculating the second transfer difference in one case.

Referring to Figure 5a, the user's account was received stock in the following order in chronological order.

-Buy 10,000 shares at 25,000 won on January 1, 2020

-Purchased 10,000 shares at 22,000 won per unit on 2020.02.01

-10,000 share free increase on March 31, 2020

-Purchased 20,000 shares at 23,000 unit price on May 31, 2020

Then, the user can assume that 10,000 shares were sold at 30,000 won on July 31, 2020, and 20,000 shares were sold at 28,000 won on August 31, 2020.

According to the first method described above, the first issue transaction, that is, the sale of 10,000 shares on July 31, 2020 (unit price 30,000 won), sells 100,000 shares (unit price 25,000 won) purchased on 2020.01.01, which is the earliest time for users. The second shipment transaction, 20,000 shares sold on August 31, 2020 (unit price 28,000 won), is 10,000 shares (unit price 22,000 won) purchased on 2020.02.01, and 10,000 shares of free stock (10 unit price) ), So the first transfer difference is calculated as shown in FIG. 5B.

First transfer difference = 10,000 shares * (30,000 won-25,000 won) + 10,000 shares * (28,000 won-22,000 won) + 10,000 shares * (28,000 won-0 won) = 390,000,000 won

On the other hand, according to the second method described above, the first release transaction, that is, the sale of 10,000 shares on July 31, 2020 (unit price: 30,000 won) is among the 20,000 shares (unit price: 23,000 won) purchased by the user at the latest date of May 31, 2020. The sold quantity is 10,000 shares, and the second shipment transaction, that is, the 20,000 shares sold on August 31, 2020 (unit price 28,000 won) is the remaining 10,000 shares of the 20,000 shares (unit price 23,000 won) purchased on May 31, 2020. And the second transfer amount is calculated as follows, because 10,000 shares (unit price: 0 won) sold for free on March 31, 2020 are sold as follows.

10,000 shares * (30,000 won-23,000 won) + 10,000 shares * (28,000 won-23,000 won) + 10,000 shares * (28,000-0 won) = 400,000,000 won

On the other hand, referring back to FIG. 2, the computing system 100 may generate consulting information after calculating the first and second transfer differences (S160).

Consulting information on how to deal with the goods issue is provided to the user according to the calculated transfer amount of each of the first and second methods. The consulting information may be the first transfer amount and the second transfer amount itself.

Alternatively, the consulting information may include consulting information on a delivery order selection method determined based on the calculated first transfer amount and the second transfer amount. In more detail, the computing system 100 provides consulting information corresponding to the first method when the first transfer difference is small (for example, a series of information for reporting capital gains tax by calculating capital gains in the first method) ), And if the second transfer amount is small, consulting information corresponding to the second method (e.g., a series of information for calculating capital gains in the first method and reporting capital gains tax) You can.

Meanwhile, according to an embodiment, the consulting information may include information regarding the first transfer tax amount and the second transfer tax amount. That is, the computing system 100 calculates the first transfer amount for the first transfer amount and the second transfer amount for the second transfer amount, respectively, and provides information on the calculated first transfer amount and the second transfer amount. It can be provided to the user.

The transfer tax amount is proportional to the transfer amount if the same tax rate is applied to each transaction. However, according to the first and second methods described above, the retention period of stocks used for each issue transaction may be changed. Also, different tax rates may be applied depending on the retention period. In such a case, it may be insufficient to provide advantageous consulting information to the user only by the amount of transfer according to each of the first method and the second method, and it may be desirable to generate consulting information in consideration of the amount of transfer tax.

For example, it may be assumed that the tax rate is differently applied according to a predetermined reference period (for example, 6 months or 1 year). It can be assumed that a higher tax rate is applied when the retention period is shorter than the reference period, and a lower tax rate is applied when the retention period is longer.

For example, it is assumed that the reference period is 6 months and a tax rate of a is applied in a period shorter than the reference period and a b rate is applied in a long period. Where a can be a larger number.

Then, in the example of FIG. 5A, if the first method is followed, the shares used in the first issue transaction (sales of 2020.07.31 characters) may be treated as the shares received through the first receipt transaction (the number of purchases of 2020.01.01 characters). In this case, since the retention period is longer than the reference period, b may be applied to the transfer rate. In addition, the stocks used in the second issue transaction (Sales of 2020.08.31.) Are 10,000 shares of stocks received through the second stock transaction (Buy 2020.02.01.) And the third stock transaction (free increase of 2020.03.31. ) Can be treated as 10,000 stocks, and in this case, the stocks received through the second stock transaction (2020.02.01. Although the transfer tax rate b is longer, the transfer tax rate a may be applied because the holding period of 10,000 shares received through the third receipt transaction (2020.03.31. Free increase) is shorter than the reference period.

Therefore, when the first method is selected, the amount of transfer tax according to the total withdrawal transaction, that is, the amount of the first transfer amount, corresponds to the amount of transfer tax equivalent to the first issue transaction 10,000 shares (KRW 30,000-25,000) * b and the second issue transaction The amount of the transfer tax can be the sum of {10,000 shares * (28,000 won-22,000 won) * b + 10,000 shares * (28,000 won-0 won) * a}.

On the other hand, if the second method is followed, the shares used in the first issue transaction (2020.07.31 characters sold) can be treated as the stocks received through the fourth receipt transaction (2020.05.31 characters purchased), in which case As the retention period is shortened, a may be applied to the transfer tax rate. In addition, the stocks used in the second release transaction (Sales of 2020.08.31.) Are 10,000 shares of stocks received through the fourth receipt transaction (Sales of 2020.05.31.), And the third stock transaction (free increase of 2020.03.31. ) Can be treated as 10,000 shares received, and in this case, both the stock received through the fourth receipt transaction (2020.05.31 purchases) and the third receipt transaction ((2020.03.31. Free increase) Through the goods issue transaction, the transfer tax rate a may be applied because the retention period is shorter than the reference period (eg, 6 months).

Therefore, when the second method is selected, the amount of the transfer tax according to the total withdrawal transaction, that is, the amount of the second transfer tax, corresponds to the amount of the transfer tax equivalent to the first issue transaction 10,000 shares (KRW 30,000-23,000) * a and the second issue transaction It can be the sum of the transfer tax amount (10,000 shares * (28,000 won-23,000 won) * a + 10,000 shares * (28,000 won-0 won) * a).

In the example of FIG. 5A, in the case of the second method, the transfer rate is illustrated in the case where a is applied, but the tax rate to be applied for each withdrawal transaction may vary depending on the timing of each receipt and withdrawal transaction and the base period. Yes, of course.

In general, when the second method is selected, the holding period of stocks used for each goods issue may be shortened. However, even in this case, depending on the number of stocks left after the goods issue transaction, whether or not to maintain or lose a certain position (for example, whether or not the stock is a major shareholder) may vary, and in this case, the remaining stocks may be subject to non-taxation. Therefore, the application of the tax rate may not be disadvantageous to the user.

Moreover, in the non-taxable limit, the user can also select various strategic options such as a gift, and depending on the user, even if the amount of the transfer tax itself is somewhat unfavorable, the transfer amount may be selected depending on the use of the remaining stock. Therefore, more effective consulting information when not only the difference in the transfer amount according to the first method and the second method, but also the tax rate when the retention period of stocks used for each issue transaction is applied differently according to the first and second methods is considered. The provision of may be possible. In this case, the consulting information may be the first transfer tax amount and the second transfer tax amount itself, and of course, any meaningful information that can be provided to the user based on each calculated transfer tax amount may be further included.

After all, according to the technical idea of the present invention, after selling the stock, the method of issuing the stock first received to the customer (user) ex post first (that is, first-in, first-out) is advantageous in calculating the transfer difference (or transfer tax amount), or It can help customers to make rational decisions by providing consulting information on whether it is advantageous to issue stocks that are received later (first-in-first-out).

6 is a block diagram illustrating a schematic configuration of a computing system according to an embodiment of the present invention. As illustrated in FIG. 6, the computing system 100 includes an acquisition module 110, a status determination module 120, an extraction module 130, a first calculation module 140, and a second calculation module 150, Consulting module 160 may be included. According to an embodiment, the computing system 100 may further include a confirmation module 170 and / or a specific module 180.

According to an embodiment of the present invention, some of the above-described components may not necessarily correspond to components essential to the implementation of the present invention, and according to an embodiment, the computing system 100 may be Of course, it may include more components. For example, the computing system 100 includes other components included in the computing system 100 (eg, acquisition module 110, status determination module 120, extraction module 130, and first calculation module) (140), a second calculation module 150, a consulting module 160, a confirmation module 170, and / or a control module (not shown) that can control functions and / or resources of a specific module 180, etc. ) May be further included.

The computing system 100 may include hardware resources and / or software necessary to implement the technical idea of the present invention, and does not necessarily mean one physical component or one device. . That is, the computing system 100 may mean a logical combination of hardware and / or software provided to implement the technical idea of the present invention, and if necessary, are installed in devices spaced apart from each other to perform each function. By doing so, it may be implemented as a set of logical components for realizing the technical idea of the present invention. In addition, the computing system 100 may mean a set of components that are separately implemented for each function or role for implementing the technical idea of the present invention. For example, the acquisition module 110, status determination module 120, extraction module 130, first calculation module 140, second calculation module 150, consulting module 160, confirmation module 170 ), And / or the specific module 180 may be located in different physical devices or may be located in the same physical device. In addition, depending on the implementation example, the acquisition module 110, status determination module 120, extraction module 130, the first calculation module 140, the second calculation module 150, the consulting module 160, check The combination of the software and / or hardware constituting each of the module 170 and / or the specific module 180 is also located in different physical devices, and the components located in different physical devices are organically combined with each other, so that each of the modules is You can also implement

In addition, in this specification, a module may mean a functional and structural combination of hardware for performing the technical idea of the present invention and software for driving the hardware. For example, the module may mean a logical unit of a predetermined code and a hardware resource for performing the predetermined code, and does not necessarily mean a physically connected code or a type of hardware. It can be easily deduced from the average expert in the technical field of the present invention.

The acquisition module 110 may acquire the user's stock transaction ledger information. For example, the acquisition module 110 may acquire stock trading ledger information from the securities company system 300. Of course, as described above, the stock transaction ledger information may be manually input by a user or a person who processes a business for the user (for example, an asset manager, an asset consulting agent, a tax agent, etc.).

The extraction module 130 may extract the input and output details of the stock of a predetermined target item held by the user from the stock transaction ledger information of the user.

The first calculation module 140 may calculate a first transfer difference when each issue transaction for a predetermined analysis period for the stock of the target item held by the user is performed according to the above-described first method. The second calculation module 150 may calculate a second transfer difference when each issue transaction during the analysis period for the stock of the target item held by the user is performed according to the second method described above. .

The consulting module 160 may generate consulting information on a delivery order selection method based on the calculated first transfer amount and the second transfer amount. The generated consulting information can be provided to the user. For example, the consulting module 160 may transmit consulting information to the user terminal 200.

According to an embodiment, the consulting module 160 calculates a first transfer amount for the first transfer amount and a second transfer amount for the second transfer amount, and the first transfer amount and the second transfer amount. You can also provide more information about it.

Depending on the implementation example, the first calculation module 140 and the second calculation module 150 may calculate the first transfer amount and the second transfer amount, respectively, as described above, in which case the consulting module 160 calculates Consulting information based on the first transferred amount and the second transferred amount may be provided to the user. That is, the calculation of the first transfer tax amount and the second transfer tax amount may be performed by the first calculation module 140 and the second calculation module 150, or may be generated by the consulting module 160 as necessary.

 On the other hand, the status determination module 120 may determine whether the user has a specific status for a company corresponding to the target stock item, the computing system, the user corresponds to the target stock item It may be implemented to provide consulting information when it is determined that the company has a specific position for the company.

The confirmation module 170 may check the selling quantity corresponding to the selling request when there is a selling request for a specific stock included in the user's specific account. Of course, if the consulting information includes a transfer amount or a transfer tax amount, the selling price desired by the user can also be checked.

The confirmation module 170 may check the information on the selling quantity / price from the securities company system 300, or may check such information from HTS, MTS, web page, etc. installed in the user terminal 200.

The specific module 180 may acquire acquisition information corresponding to the quantity of goods released in a predetermined goods issue transaction. The acquisition information may include an acquisition price corresponding to the selling quantity or a type of a receipt transaction. It is needless to say that the specific module 180 may specify different acquisition information for each of the partial quantities constituting the selling quantity, if one of the goods receipt transactions does not match the goods issue transaction.

In addition, the specific module 180 may maintain / manage pointing information to specify the acquired information.

Then, the consulting module 160 may generate consulting information according to an embodiment of the present invention. To this end, the consulting module 160 may first specify the goods receipt transaction corresponding to the target quantity. In addition, predetermined reference conditions for defining the target quantity can be determined in advance.

Then, the consulting module 160 may issue information about the target quantity that is at least a part of the selling quantity based on the acquired information, or issue transactions other than selling the target quantity (eg, shipping to another account). Consulting information including suggested information may be generated and provided to a user. This will be described later in detail.

Of course, the computing system 100 can provide the above-mentioned consulting information for each stock item held by the user.

On the other hand, as described above, the computing system 100 may select a transfer amount or a transfer tax amount for a stock transaction that has already been performed for a predetermined period, according to a shipping method, but before a user performs a stock transaction, a predetermined By providing consulting information, you can also provide information that can help you save money.

In this case, the consulting information provided in the case where a user wants to sell a specific stock, as described later, when at least a part of the stock included in the selling quantity is in a predetermined condition (for example, a relatively large transfer tax is imposed when simply selling) ), Information on the quantity corresponding to the above conditions may be included. Hereinafter, the quantity of the specific stock that meets the above conditions will be defined as the target quantity.

for example. In the case of the target quantity, if the first or second method of delivery order as described above is applied, stocks with relatively low acquisition price (e.g., the amount that is acquired at 0 won as a free increase, Even a paid-in capital increase may be a quantity that is acquired at a relatively low price, or a stock that is purchased at a very low price even when acquired through an in-house transaction, or a stock corresponding to a predetermined type of receipt (eg, free or paid-in capital increase).

When the target quantity is included in the sales quantity of the specific stock that the current user wishes to sell, the target quantity may be treated as having a relatively high gain of transfer, and in this case, a high transfer tax may be imposed. Therefore, it may be desirable to perform the replacement or transfer of the target quantity to a separate account, and first sell the quantity that does not correspond to the target quantity. Because, after selling the above-mentioned specific stocks, excluding the target quantity, it may be released from a position that is taxable to the capital gains tax due to the decrease in the stocks held (for example, large shareholders by overtaxing). Alternatively, even if you sell as much as you want except for the target quantity, you may not be able to escape from the taxable position, but you can reduce the amount of the transfer tax by performing other strategies, such as a donation within the non-taxable range.

In this case, when the predetermined amount of consulting information is provided when the target quantity is included among the sales quantity that the user wants to sell in advance, a much higher tax saving is compared to the case where the stock order is limited and the shipping order is selected in an advantageous manner. There is an effect that may be possible.

In addition, when there is a seller's intention to sell a certain stock (for example, when the user enters order information for a sell order), even if there is no intention to sell, there are a few in the future based on the past transaction history. If you sell the stock, you can provide consulting information in advance that the stock corresponding to the target quantity will be sold from then on.

For example, if the transaction history in FIG. 5A is described as an example, 2020.07.31. 10,000 shares sold are treated as stocks corresponding to the goods receipt transaction on January 01, 2020. If the user enters a selling request in HTS or MTS to sell 20,000 shares on August 31, 2020, 10,000 of the selling quantity (20,000 shares) will be treated as stocks corresponding to the 2020.02.01. The 10,000 shares of phosphorus, ie, the target quantity defined in this specification, is treated as a receipt of transactions on March 31, 2020, that is, stocks acquired by free stock increase. In this case, a relatively high transfer margin (28,000 won) may be applied to the target quantity.

In this case, according to the technical idea of the present invention, when a request for a sale on August 31, 2020 (sales quantity of 20,000 shares) is input, the user sells only 10.000 shares of the selling quantity and transfers or replaces 10,000 shares corresponding to the target quantity to another account Consulting information suggesting what to do may be generated and provided to the user terminal 200. Of course, if the user desires, the consulting information may further include information to sell the remaining 10,000 shares of the quantity desired by the user after transfer or replacement.

In this case, when the sale of 2020.08.31. Is not performed as requested by the user because such consulting information is not provided, the gain on transfer is 340 thousand {by 20,000 shares of sale on August 31, 2020 as described in FIG. 10,000 * (28,000-22,000) + 10,000 * (28,000-0)} is established. However, according to the consulting information, if only 10,000 shares are sold first, then 10,000 shares corresponding to the target quantity are transferred or replaced with another account, and if 10,000 shares are sold again after that, the last 10,000 shares are received on May 31, 2020. It is treated as acquired by and in this case, {10,000 * (28,000-22,000) + 10,000 * (28,000-23,000)} = 110 million. Of course, a significant transfer margin may be established when 10,000 shares are transferred or transferred to another account in the future. However, if only the remaining quantity remains, please be assured that it may not be a major shareholder. Remaining stocks may also perform donations subject to non-taxation. As a result, in some cases, it is possible to obtain a very high tax saving effect through the above-mentioned consulting information.

The computing system 100 may maintain / manage predetermined pointing information in order to provide consulting information on the target quantity. When the selling is performed, the pointing information may be information maintained to determine what stocks acquired through the goods receipt transaction are sold.

The computing system 100 may maintain both the first pointing information and the second pointing information corresponding to each of the first delivery method and the second delivery method according to an embodiment. In addition, depending on the first pointing information and the second pointing information, a point in time at which the target quantity is sold may be different, and accordingly, computing information may be adaptively provided. For example, when a user makes a request to sell a predetermined selling quantity, when the first pointing information according to the first shipping method is used, the target quantity is not included in the selling quantity, but the second pointing information according to the second shipping quantity In the case of, the target quantity may be included in the selling quantity. Therefore, according to each shipping method, information on whether the target quantity is included in the selling quantity is provided as consulting information, or information on how it is advantageous to perform the goods issue transaction depending on whether the target quantity is included or not. It can also be provided. Of course, if the shipping method is predetermined in the user's account, only pointing information corresponding to the shipping method may be maintained.

The consulting information provided to the user (user terminal 200) by the computing system 100 may be information on the target quantity. For example, when a sell request is input from a user, information such as whether the target quantity is included in the sold quantity requested to be sold, or after several weeks, the target quantity may be information about the target quantity.

Depending on the implementation example, the consulting information may include information on a shipping transaction method in which it is advantageous to perform a goods issue transaction in a specific way to the user based on the information on the determined target quantity. That is, as described above, the consulting information may include information to perform a transfer to another's account or transfer to a third party account or transfer to another person's account for all or part of the quantity. Of course, the consulting information may further include information to sell for a certain quantity before or after the goods issue transaction for the target quantity.

In addition, the computing system 100 does not necessarily need to provide the consulting information only when the user discloses a selling intention (eg, input of a selling order) for a specific stock. For example, the computing system 100 may preemptively provide information that the selling price for the specific stock corresponds to the targeted quantity from the current selling quantity for a specific stock or after several weeks of selling.

7 is a view for explaining a method of providing consulting information that can be provided to a user according to an embodiment of the present invention.

7 is a view for explaining an example of providing consulting information when a user makes a request to sell a specific stock. As shown in FIG. 7, the user can make a sell request for a specific stock included in his / her specific account. Such a sell request may be a case where input (for example, through 11) of the selling quantity of a specific stock is performed through at least a predetermined selling means (eg, HTS, MTS, or web page 10). Of course, depending on the embodiment, it may be determined that a sell request was made when a sell order (eg, through 13) was performed. However, when a sell order is output, the sell order may be immediately entered, so that when input for the sell quantity is performed or the price (for example, through 12) is specified, the computing system 100 may provide consulting information. .

Then, the computing system 100 may specify acquisition information corresponding to the selling quantity based on the user's stock transaction history information for the specific stock. The acquisition information may include information on the acquisition price of the stock corresponding to the selling quantity or the type of the goods receipt transaction. Of course, as described above, the entire selling quantity may not be treated as being acquired by the same acquisition price or the same receipt transaction, and in this case, acquisition information may be specified for each quantity acquired as obtained by different receipt transactions. .

Then, the computing system 100 is based on the specific acquisition information, information on the target quantity, which is at least a part of the selling quantity, or issuance transaction other than selling on the target quantity (eg, transfer or replacement to another account) Consulting information including information suggesting) can be generated and provided to the user.

When the target quantity is sold, the acquisition price is lower than a predetermined criterion (for example, when the average acquisition price of all the specific stocks is lower than a certain percentage of the specific stocks included in the specific account) or before the goods receipt transaction corresponding to the target quantity. Or, it is treated as being acquired by a quantity or a predetermined type of receipt (e.g., free stock or paid-in capital increase) that the acquisition price is set to be low so as to meet the average acquisition price of a predetermined number of incoming transactions that is lower than a certain ratio. The quantity may be as described above.

The consulting information (for example, 20), for example, as shown in FIG. 7, when a user inputs a selling quantity of 10,000 weeks, the 5,000 shares sold first out of 10,000 selling quantity do not correspond to the target quantity, but the remaining 5,000 shares are target quantity. Since it corresponds to the target quantity, it may be information to perform a goods issue transaction (eg, account transfer, transfer, etc.) other than selling. Of course, the consulting information may simply include information that 5,000 shares sold first out of 10,000 shares do not correspond to the target quantity, but the remaining 5,000 shares correspond to the target quantity. Of course, depending on the implementation example, the consulting information may include information on the transfer profit (or transfer tax amount) when simply selling the relevant sales quantity and / or transfer profit (or transfer tax amount) when carried out according to the consulting information. It may further include.

As such, when a user wants to perform a sale, the user's profit can be greatly increased by providing consulting information in real time and proactively.

To this end, the computing system 100 may be installed with all or part of the user terminal 200 or all or part of the securities company system 300 to check information on the selling quantity. Also, as described above, the computing system 100 can obtain the user's account ledger information directly or indirectly from a securities company.

On the other hand, in order to generate such consulting information, the computing system 100 should be able to check the quantity corresponding to the relevant goods issue when the goods issue (eg, transfer, substitute, or sell) is performed. The acquired information can be obtained.

To this end, the computing system 100 may maintain predetermined pointing information. The pointing information may be information for determining which stocks (or from which quantity of the number of receipts of a specific receipt transaction) can be treated as being sold when the current selling is started. For example, FIG. 3 illustrates an example in which such pointing information is maintained through an index, but is not necessarily limited thereto.

If such pointing information is maintained, determination of the target quantity can be made very quickly.

In addition, as described above, in the case of an account for which the delivery order method is not determined, the computing system 100 points to each of the first delivery method (eg, first-in, first-out) and the second delivery method (eg, last-in, first-out). Information can be kept together. In addition, the target quantity may be determined according to each pointing information, and consulting information including information on the target quantity may be provided. Of course, once the shipping method is decided, only one pointing information according to the determined shipping method can be maintained / managed.

8 and 9 will be described an example of using the pointing information to determine the amount of goods shipped to correspond to the goods receipt transaction, in order to specify the acquisition information for each shipping quantity of the goods issue transaction.

FIG. 8 is a view for explaining a method of determining which stock is to be sold based on an incoming transaction amount of stock to be sold in advance according to an embodiment of the present invention, and FIG. 9 is a diagram for another embodiment of the present invention. Accordingly, it is a diagram for explaining a method in which it is possible to determine in advance which stock is to be sold by which stock is to be sold.

First, referring to FIG. 8A, information on a transaction history for a specific stock in a user's specific account may be the same as FIG. 8A. In addition, it is assumed here that the target quantity is only a free increase, that is, a c transaction with an acquisition price of 0 won.

In this case, the first pointing information by the first delivery method (eg, first-in, first-out method) may be maintained / managed as illustrated in 8b.

The first pointing information p1 may be information including information on which stocks to be treated as being sold when the current selling is performed by a predetermined quantity. In order to maintain / manage the first pointing information (p1), information on the quantity, type of goods, price, etc. for each incoming transaction in chronological order is acquired from the ledger information of the stock transaction and maintained through a predetermined data structure. Can be.

In FIG. 8A, only transactions for transactions a, b, c, and d were performed, and since the first delivery method is performed, the first pointing information after the d transaction (500 shares, 1,100 won) is performed is shown in FIG. 8b (t4). ). That is, since the goods issue transaction has never been performed, information indicating the first quantity of the goods receipt transaction (for example, a) still performed first may be the first pointing information p1.

In FIG. 8B, the number of receipts of each receipt transaction is displayed as a figure (for example, 21 to 24) representing a receipt transaction by a length corresponding to the quantity of each receipt transaction. Mapping this to the x-axis, the endpoint of the first shape (21) representing goods receipt transaction a corresponds to 10,000, the endpoint of the second shape (22) representing goods receipt transaction b corresponds to 15,000, and the agent representing goods receipt transaction c. It can be easily seen that the end point of the 3rd shape 23 corresponds to 22,500, and the end point of the 4th shape 24 representing the receipt transaction d is mapped to a location corresponding to 23,000.

Thereafter, when the selling transaction (e) is performed, it may be regarded as being sold sequentially as much as the selling quantity (10,000 shares) of the selling transaction (e) from the quantity of the location indicated by the current first pointing information (p1). have. In such a case, as illustrated in FIG. 8B (t5), the position of the first pointing information p1 may be changed. In addition, the quantity treated as already sold is the matched quantity, and the computing system 100 can separately manage information. In FIG. 8B, the matched quantity is indicated by hatching.

Thereafter, when the purchase transaction f is performed, the location of the current first pointing information p1 is not changed because it is a receipt transaction, and the amount of receipt corresponding to the purchase transaction f is additionally shown in FIG. 8B (t6). ).

Thereafter, when a sell transaction (g) is performed, it may be treated as being sold sequentially as much as the selling quantity (10,000 shares) of the selling transaction (g) from the quantity of the location indicated by the current first pointing information (p1). have. In such a case, if the amount of sales (10,000 shares) is sequentially sold from the current first pointing information (p1), 5,000 of the stock increase (7,500) shares are additionally sold 10,000 Can be matched to the week. That is, the quantity of the goods receipt transaction (c), which is the goods receipt transaction corresponding to the target quantity, matches the selling quantity. In this case, the computing system 100 may provide consulting information as described above. For example, when the relevant selling transaction is performed, 5,000 out of 10,000 stocks are subject information (that is, the number of free stocks) or, accordingly, only 5,000 stocks are sold, and all or part of 7,500 stocks are provided with consulting information to be shipped to another account. You can.

Accordingly, according to the consulting information, the user may perform the goods issue transaction or simply sell the transaction (g) as originally intended while ignoring the consulting information. In the latter case, the position of the first pointing information p1 may be changed as shown in FIG. 8B (t7).

Thereafter, when the sell transaction h is performed again, the first pointing information p1 may be changed as shown in FIG. 8B (t8).

In the end, the technical idea of the present invention is to maintain / manage such pointing information, so that if the user wants to sell the stock or if there is a possibility that the target quantity will be proactively released even if there is no intention to sell the stock, consulting information can be provided. .

Meanwhile, FIG. 9 schematically illustrates the concept of maintaining the second pointing information p2 in the case of the second delivery method (eg, last-in, first-out).

Until the receipt transactions (a, b, c, d), only the information on the quantity received is maintained, and the location of the second pointing information (p2) after each receipt transaction may exist at the last position of the quantity received. When such a case is schematically illustrated, it may be as shown in FIG. 9 (t4). Of course, the second pointing information p2 is located at the end point of the figure 21 corresponding to the goods receipt transaction a when only the goods receipt transaction a is performed, and when the goods receipt transaction b is performed, the picture corresponding to the goods receipt transaction b When the position is changed to the end point of (22), and the receipt transaction c is performed, the position is sequentially changed to the end point of the figure 23 corresponding to the receipt transaction c, and after the receipt transaction d is performed, FIG. 9 (t4) It may be changed to a location as shown in).

Subsequently, when the goods issue transaction (e) is performed, as much as the selling quantity (10,000 shares) of the goods issue transaction (e) is matched in the reverse order from the second pointing information (p2) to the goods receipt quantity (e). In this case, as shown in FIG. 9 (t5), the quantity of the goods receipt transaction c corresponding to the target quantity is included in the matching quantity. Then, the computing system 100 may generate and provide consulting information as described above to the user. In FIG. 9, maintenance of the second pointing information (p2) is performed when a non-sale transaction other than selling for the target quantity is not performed according to the consulting information. Referring to the consulting information, the user substitutes an account for the target quantity, etc. In the case where is performed, the position of the second pointing information may be changed unlike FIG. 9.

Subsequently, when the purchase transaction f is performed, the second pointing information p2 may be changed to a position corresponding to the last received quantity not matching, in which case the position of the second pointing information p2 is also shown. It can be changed as shown in 9 (t6).

In addition, when the sell transaction g is performed, the computing system 100 may match the received quantity corresponding to the sold quantity in the reverse order from the current second pointing information p2. At this time, the already matched quantity can be skipped and the received quantity equal to the sold quantity can be matched with the received quantity corresponding to the corresponding selling transaction. In this case, as shown in FIG. 9 (t7), matching of the received quantity is performed and the second pointing information p2 is changed to the position of the last unaccommodated quantity.

Subsequently, when the selling transaction h is performed, the corresponding selling quantity of the corresponding selling transaction h can be matched with the corresponding receiving quantity in the reverse order from the current position of the second pointing information p2. 9 (t8).

As a result, by maintaining such pointing information, the user can easily grasp the target quantity at any time even if the user does not have a request to sell, and there is an effect capable of providing efficient consulting information.

Meanwhile, according to an implementation example, the computing system 100 may include a processor and a memory storing a program executed by the processor. The processor may include a single-core CPU or a multi-core CPU. The memory may include high-speed random access memory and may also include non-volatile memory, such as one or more magnetic disk storage devices, flash memory devices, or other non-volatile solid-state memory devices. Access to memory by the processor and other components can be controlled by a memory controller. Here, when the program is executed by a processor, the computing system 100 according to the present embodiment may cause the above-described consulting information providing method to be performed.

On the other hand, the above-described consulting information providing method according to an embodiment of the present invention may be implemented in the form of a computer-readable program command and stored in a computer-readable recording medium, and a control program according to an embodiment of the present invention and The target program can also be stored in a computer-readable recording medium. The computer-readable recording medium includes any kind of recording device in which data readable by a computer system is stored.

The program instructions recorded on the recording medium may be specially designed and constructed for the present invention or may be known and usable by those skilled in the software art.

Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs, DVDs, and floptical disks. Hardware devices specifically configured to store and execute program instructions, such as magneto-optical media and ROM, RAM, flash memory, and the like, are included. 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.

Examples of program instructions include machine language codes such as those produced by a compiler, as well as high-level language codes that can be executed by a device that processes information electronically using an interpreter or the like, for example, a computer.

The hardware device described above may be configured to operate as one or more software modules to perform the operation of the present invention, and vice versa.

The above description of the present invention is for illustration only, and a person having ordinary knowledge in the technical field to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be interpreted to be included in the scope of the present invention. .

Claims (10)

Computing system, if there is a sell request for a particular stock included in the user's specific account, the step of determining the selling quantity corresponding to the sell request;
The computing system specifies acquisition information corresponding to the selling quantity based on the user's stock trading history information for the specific stock, wherein the acquisition information includes an acquisition price corresponding to the selling quantity or a type of goods receipt transaction. To do;
The target quantity that is the quantity of at least a part of the selling quantity based on the acquisition information specified by the computing system-the target quantity when the sale is sold meets a predetermined criterion compared to other specific stocks included in the specific account. Providing consulting information including information on the quantity that is set to be low or the quantity that is treated as acquired by a predetermined type of receipt, or information that proposes a goods issue transaction other than selling for the target quantity. How to provide consulting information.
According to claim 1, The consulting information providing method,
When the selling of the specific stock in the specific account is performed by the computing system, the method further includes maintaining pointing information for checking whether the selling quantity of the selling is a quantity corresponding to a goods receipt transaction,
A method for providing consulting information, characterized in that the acquisition information is specified based on the pointing information.
According to claim 2, The step of maintaining the pointing information,
When a shipping order method corresponding to the account is determined, the pointing information according to the determined shipping order method is maintained,
When the delivery order method corresponding to the account is undecided, the consulting information providing method characterized in that the first pointing information and the second pointing information corresponding to each of the first delivery order method and the second delivery order method are maintained.
According to claim 1, The step of providing the consulting information,
And providing consulting information for suggesting delivery of the target quantity to another account of the user or an account of another person other than the user.
Determining, by the computing system, when a shipment is performed for at least a part of the specific stock of a specific stock included in a user's specific account, the amount of the shipment corresponding to the shipment is a quantity corresponding to a goods receipt transaction;
Based on the result of the determination, the computing system is subject to a quantity that is at least a part of the quantity of the goods shipped before the goods issue is performed-the quantity of the object is compared to other specific stocks included in the specific account when sold. A method of providing consulting information, comprising determining information about a quantity that is set low to meet a predetermined criterion or a quantity that is treated as acquired by a predetermined type of stock.
A computer-readable recording medium recording a program for performing the method according to any one of claims 1 to 5.
As a computing system,
Processor;
Contains the memory that stores the program,
The program, when executed by the processor, the computing system to cause the computing system to perform the method according to any one of claims 1 to 5.
A confirmation module for confirming a selling quantity corresponding to the selling request when there is a selling request for a specific stock included in a user's specific account;
A specific module for specifying acquisition information corresponding to the selling quantity based on the user's stock transaction history information for the specific stock, wherein the acquisition information includes an acquisition price corresponding to the selling quantity or a type of an incoming transaction; And
Based on the specific acquisition information, the target quantity that is at least a part of the selling quantity-the target quantity is set to be low so that the acquisition price meets a predetermined criterion compared to other specific stocks included in the specific account when sold. A computing system including a consulting module for providing consulting information including information on the quantity or quantity that is treated as acquired by a predetermined type of stock or information suggesting a goods issue transaction other than selling for the target quantity. .
The method of claim 8, wherein the specific module,
When the selling of the specific stock is performed in the specific account, the holding information for checking whether the selling quantity of the selling is the quantity corresponding to the goods receipt transaction is maintained, and the acquired information is based on the pointing information maintained. A specific computing system.
A specific module for determining whether a shipment amount corresponding to the shipment is a quantity corresponding to a goods receipt transaction when a shipment is performed for at least a part of the specific stock in a specific stock included in a user's specific account; And
Based on the judgment result, before the release is performed, the target quantity that is at least a part of the quantity of the withdrawal-the target quantity, when sold, is based on a predetermined criterion compared to other specific stocks included in the specific account at the time of sale. Computing system including a consulting module for determining information about the quantity that is set to be low to match or the quantity that is treated as acquired by a predetermined type of stock.

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