KR20200111359A - Method for providing consulting information associated with capital loss for stock trading - Google Patents

Abstract

Disclosed are a method for providing consulting information related to a specific position of a stock and a computing system for performing the same. According to an aspect of the present invention, the method comprises the steps of: allowing a computing system to confirm a user-based holding status of a user for a specific stock; determining specific position status information on whether the user corresponds to a specific position for the specific stock or including a margin condition which the user needs to correspond to the specific position for the specific stock, on the basis of the user-based holding status confirmed by the computing system and a specific position determining reference of the specific stock; and providing differentiated consulting information in accordance with the specific status information determined by the computing system. According to the present invention, gain of the user can be improved.

Description

A method for providing consulting information using stock transfer loss, and a computing system for performing the same.

The present invention relates to a method of providing consulting information for determining which stocks are released when stocks are released, and a computing system for performing the same. More specifically, when stocks are released, the impact on the holder depending on which stocks are treated as released (e.g., stocks received first or stocks received later, etc.) , Transfer margin) may vary, so it relates to a method that can provide consulting information on a shipping method that is advantageous to the holder, and a computing system that performs the same.

In addition, when a user wants to sell stocks, it relates to a method for specifying which stocks to be sold are stocks according to a stock event and providing adaptive consulting information accordingly, and a computing system for performing the same.

In addition, if it is determined that the user corresponds to a specific position for a specific stock item, there may be a considerable difference in taxation disposition, and consulting information may be provided to the user in multiple ways in relation to the specific position that causes the difference in taxation disposition. It relates to a method and a computing system that performs the same.

In addition, it relates to a method of providing consulting information related to capital gains in advance before the transfer of stocks, and a computing system that performs the same.

With the development of ICT technology and the rapid increase in the use of computers and the Internet, the area of business using the Internet is expanding to a wide variety of fields. Recently, as a part of business through the Internet, sites that provide various contents such as Internet advertisements, Internet broadcasting, online games, Internet newspapers/magazines, search services, portal services, and electronic commerce are rapidly increasing. Among them, there are services for online securities trading.

Interest in stock investment as the barrier to entry into stock investment is lowered due to the generalization of the Home Trading System/Mobile Trading System, which allows you to purchase and purchase stocks through computers or mobile devices. Is expanding.

On the other hand, when the user (or investor) buys and sells the stocks it holds, depending on what time the stocks purchased are considered to be sold (in other words, the stocks purchased at what unit price are considered to be sold). Capital gains may vary. For example, if an investor has 1,000 stocks purchased at the price of P1 at the time of T1 and 1,000 stocks purchased at the price of P2 at the time of T2, In the case of selling 1,000 shares, the acquisition price of the stocks to be sold may change to P1 or P2, depending on whether it is considered to be selling the stocks purchased at the time of T1 or selling the stocks purchased at the time of T2. By the way, since the gain on the transfer becomes the basis for calculating the transfer tax, etc., it can be very useful to stock investors who provide a strategy for deciding which stock to sell.

In addition, rather than simply providing a strategy to reduce the transfer tax borne by the user at a predetermined time after the user makes a stock transaction, it preemptively provides information on the expected capital gains tax to the investor before the investor's stock transaction. It can be very useful for stock investors to choose an investment strategy that takes into account the tax implications as well as the return on investment by providing a favorable (at least in terms of transfer tax) stock transfer (trading) strategy.

In addition, if the user is judged to be in a specific position (e.g., the position of the largest shareholder in the case of an overpayment) for a specific stock item, there may be a legal or substantial difference (e.g., the imposition of capital gains tax even in the case of listed stocks). However, in relation to a specific position that causes such a difference, consulting information is provided to users through multi-faceted (e.g., consulting that preemptively does not correspond to a specific position or consulting on an effective disposition method even in the case of a specific position). Can be very useful.

In addition, if the stocks the user wants to sell are subject to tax and capital gains tax may be imposed, it would be very useful to conduct consulting that can reduce the capital gains tax by actively utilizing the stocks that are losing among the stocks of the user. I can.

Korean Patent Laid-Open Publication No. 10-2007-0071501 "A computer-readable recording medium recording a financial consulting system for each customer's risk situation, its method, and a program to execute it"

The present invention is a method for providing consulting information on whether the stocks received in the user's account should be dealt with in which stocks are released from among various delivery methods in order to benefit the holder. And a computing system that performs this.

In addition, by providing consulting information with the estimated taxable amount preemptively before the user performs stock trading, or by providing a strategy to reduce the taxation burden as consulting information, a method to improve the user's profits and To provide a system.

In addition, as a strategy to reduce the taxation burden as described above, it is to provide a method and system that can adaptively provide consulting information according to the taxation characteristics of the lost stocks while utilizing the stocks held by the user and being lost.

In addition, it is to provide a method and system capable of providing multi-faceted consulting related to a specific position that a user may have for a specific stock.

According to an aspect of the present invention,

According to an embodiment of the present invention, among various delivery methods for stocks received in a user's account, a method to reduce the transfer profit of the released stock or to reduce the taxation effect caused by the transfer profit is determined, and consulting on this You can provide information. That is, there is an advantage of providing consulting information on the most advantageous shipping method to the user.

That is, according to the technical idea of the present invention, whether the method of first shipping stocks (i.e., first-in-first-out) that was first stocked to a customer (user) after selling stocks is advantageous for calculating the difference in transfer or stocks stocked later. By providing consulting information on whether the method of shipping first (last-in, first-out) is advantageous, it can help customers make rational decisions.

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

In addition, by not only providing consulting information at a certain point in time, but also by providing information on expected capital gains tax to investors in advance before the user's stock trading, or by providing consulting information that can be profitable for taxation. There is an effect that can promote the profit of the company.

In addition, among such consulting information, there is an effect that the user's profit can be promoted by providing a method to adaptively reduce capital gains tax according to the taxation characteristics of the lost stock while utilizing the stocks that the user has and is losing.

In addition, depending on whether the user is in a specific position for a specific stock, it can make a significant difference in the investment results.Therefore, consulting and/or post-specific consulting that can preemptively reduce the risk of a specific position. If you are in a position, there is an effect that you can promote the interests of users by conducting consulting related to effective stock disposal.

Brief description of each drawing is provided in order to more fully understand the drawings cited in the detailed description of the present invention.
1 is a diagram illustrating a driving environment of a method of 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 showing a method of providing consulting information according to an embodiment of the present invention.
3A is a diagram illustrating an example of an algorithm for calculating a first transfer amount when each delivery transaction during a predetermined analysis target period is performed according to a first method.
3B is a diagram showing an example of an algorithm for calculating a second transfer amount when each delivery transaction during a predetermined analysis target period is performed according to the second method.
FIG. 4A shows an example of a list of transaction details for a target item, and FIG. 4B is a first transfer difference when the transaction details list of FIG. 4A is released by the first method and when the second method is released. It is a diagram showing the result of calculating the second transfer difference.
5A shows another example of a list of transaction details for a target item, and FIG. 5B is a case where the first transfer difference and the second method when the transaction details list of FIG. 5A is shipped by the first method It is a diagram showing the result of calculating the second transfer difference.
6 is a block diagram illustrating a schematic configuration of a computing system according to an embodiment of the present invention.
7 is a diagram for explaining a method of providing consulting information that may 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 stocks to be sold are stocks by which stocks are sold in advance according to an embodiment of the present invention.
FIG. 9 is a diagram for explaining a method of determining whether the amount of stocks to be sold is stocks by which stocks are sold according to another embodiment of the present invention.
10 to 11 are views for explaining an example of providing consulting information related to a specific position according to an embodiment of the present invention.
12 is a view for explaining the concept of confirming the user standard holding status according to the technical idea of the present invention.
13 to 14 are diagrams for explaining the utility of a case in which a preemptive response is made according to consulting information according to the technical idea of the present invention.
15 is a diagram for explaining the effectiveness of a case where a post-response response is made according to consulting information according to the technical idea of the present invention.
16 is a diagram for explaining an example in which consulting information can be provided in advance before stock trading according to the technical idea of the present invention.
17 is an example of a list of transaction details for explaining consulting information according to the technical idea of the present invention.
18 is a diagram for explaining the concept of a selling strategy using lost stocks according to the technical idea of the present invention.
19 is a diagram illustrating an example of consulting information using lost stocks according to the technical idea of the present invention.

Since the present invention can apply various transformations and have various embodiments, 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 a specific embodiment, it is to be understood to include all conversions, equivalents, and substitutes included in the spirit and scope of the present invention. In describing the present invention, when it is determined that a detailed description of a related known technology may obscure the subject matter of the present invention, a detailed description thereof 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. These terms are used only for the purpose of distinguishing one component from another component.

The terms used in the present 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 the present specification, terms such as "include" or "have" are intended to designate the existence of features, numbers, steps, actions, components, parts, or a combination thereof described in the specification, but one or more other It is to be understood that the presence or addition of features, numbers, steps, actions, components, parts, or combinations thereof, does not preclude in advance the possibility of being excluded.

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. This means that the data may be transmitted to the other component. 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, focusing on embodiments of the present invention. The same reference numerals in each drawing indicate the same member.

1 is a diagram illustrating a driving environment of a method for providing consulting information (hereinafter referred to as a'method for providing consulting information') according to an embodiment of the present invention.

Referring to FIG. 1, in order to implement a method of 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 delivery strategy for a stock item owned by the user, and may provide consulting information to the user terminal 200 of the user.

In addition, the computing system 100 will save tax if the user performs a different delivery strategy (eg, transfer, transfer, etc.) of the quantity he wants to trade in advance among the quantity he wants to trade before trading the stocks he owns. It is also possible to identify a specific quantity that may be possible and provide consulting information accordingly.

In addition, it is also possible to provide consulting information including recommendation information to adjust the quantity to be sold or to adjust the timing to sell.

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 a laptop computer, or a mobile phone, satellite phone, wireless phone, SIP (Session Initiation Protocol), WLL (Wireless Local Loop) station, smart phone, tablet PC, PDA ( It may be a processing device including a mobile device such as 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 types of information, data, and/or signals required to implement the technical idea of the present invention.

In addition, the computing system 100 may be connected to a certain securities company system 300 through a wired/wireless network to transmit and receive various information, data, and/or signals required to implement the technical idea of the present invention. For example, the computing system 100 may obtain 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, the computing system 100 may directly receive stock transaction ledger information 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. Alternatively, if necessary, it may be a system that is dividedly installed in the user terminal 200 and the securities company system 300 to be organically combined and implemented.

Of course, the computing system 100 may be implemented as an independent system irrespective of the securities company system 300 as needed.

The securities company system 100 may be a system that provides trading services for stocks and other securities, and may be a system that maintains/manages at least user's account ledger information.

For example, FIG. 1 shows 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 subsystem 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 of providing consulting information according to an embodiment of the present invention.

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

The warehousing transaction can occur through purchase, free increase, paid-in capital increase, stock dividend, and other companies' stocks. The delivery transaction may occur by selling, replacing, transferring, or sending out a third party, but depending on the embodiment, only the sale transaction may be treated as a delivery transaction.

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

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

In one embodiment, before generating consulting information, the computing system 100 may determine whether the user has a specific position for a company corresponding to the target stock item (S130), and the computing system (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 a specific position (eg, a major shareholder). For example, 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 a specific position is based on the last day of the year immediately preceding the year in which the determination point belongs. Of course, depending on the implementation example, whether or not there is a possibility that the current large shareholder standard, even if not the largest shareholder, based on the last day of the previous year, is determined by a predetermined standard (e.g., within a predetermined ratio or amount relative to the standard ratio or amount It is possible to generate and provide consulting information according to the technical idea of the present invention even for users who have the possibility of a large shareholder as a result of the determination as a result of determining whether or not there is a problem.

In one embodiment, the computing system 100 further determines whether the user or a person having a certain special relationship with the user, that is, a large shareholder based on the amount or amount of the target stock held by the specially related person. can do. Considering not only the user, but also the status of the person concerned, it may be determined that the user corresponds to a specific position if the amount is more than the ratio or amount determined in laws and other regulations. For example, at a predetermined time, if a user and a specially related person hold a stock of a specific company at a standard ratio or more or more than a standard amount, the user may be treated as a major shareholder in the past.

The above reference ratio or reference amount is based on whether the specific company is a listed or unlisted corporation, and if it is a listed corporation, whether it is a corporation listed on the securities market, a corporation listed on the KOSDAQ market, or a corporation listed on the KONEX 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 of not only the user himself, but also a person in a certain special relationship (eg, direct existence, spouse, etc.) as necessary or as prescribed by law. In addition, the scope of specially related persons may vary depending on whether or not they are the largest shareholder.

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

According to an embodiment, the computing system 100 may directly receive information on the holding status of a specific stock of a user and/or a specially related person from the user. Accordingly, whether or not the user falls under a specific position and/or a margin condition for a specific position (e.g., how many more stocks are purchased, the specific position is, and/or how much higher the stock price increases, the specific position is Or not). Hereinafter, in this specification, information on whether a user corresponds to a specific position for a specific stock and/or information on a margin condition for corresponding to a specific position will be defined as specific position situation information.

According to the technical idea of the present invention, the computing system 100 may differentially generate consulting information to be provided to the user based on the specific status situation information. And the generated information may be provided to the user in a predetermined manner. For example, the computing system 100 may provide consulting information through HTS and/or MTS used by the user. Alternatively, consulting information may be provided through e-mail or text message. In various other ways, the computing system 100 may provide consulting information to a predetermined terminal used by the user.

Generating and/or providing differentiated consulting information according to the situation information of a specific position may mean providing different information depending on whether it corresponds to a specific position and/or the degree of margin conditions. For example, the specific status situation information determined by the computing system 100 may itself be differentiated consulting information provided to a user. That is, whether it corresponds to a specific position and/or the degree of the spare condition may itself be consulting information generated by the computing system 100.

In addition, the consulting information may be information that additionally proposes a user to take a predetermined action based on the determined specific status situation information.

The computing system 100 may generate/provide multi-faceted consulting information based on the user's current specific position situation information. Multi-faceted consulting information includes, for example, information that the user should preemptively be aware of if the user does not currently correspond to a specific position or information on actions to be taken preemptively (e.g., some disposal of stocks, etc.) , If it corresponds to a specific position at present, it may mean that information that the user should take or take note of afterwards is included in the consulting information.

As such, meaningful consulting information to be provided to users in relation to a specific position will be described in detail later.

On the other hand, the computing system 100 may calculate a first transfer difference when each delivery transaction for the stock of the target stock held by the user during a predetermined analysis period is performed according to the first method (S140). ). In this case, the first method may be a method of preferentially shipping stocks of the target stock held by the user having a fast stocking time.

The period to be analyzed may be a predetermined period specified in advance such as year, quarter, half year, and month.

In the first method, it is treated as that the stocks that have been released during the period to be analyzed (eg, sell, transfer, transfer, etc.) are sequentially made for stocks received in the order of stocking time. In other words, the stocks with the earliest stocking timing among the stocks held are treated as having been shipped preferentially by the release transaction. The first difference in transfer refers to the difference in transfer when it is assumed that stocks held by the user are released in the first manner. On the other hand, depending on the embodiment, in the case of a delivery transaction with a unit price of 0 (for example, delivery of a third party other than selling), it may be treated as having no transfer difference or may be excluded when calculating the transfer difference.

3A is a diagram illustrating an example of an algorithm for calculating a first transfer amount when each delivery transaction during a predetermined analysis target period is performed according to a first method.

In part 1000 of the algorithm shown 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 stocks owned by a user are arranged in the order of stocking time, and are assigned to a variable Buy. [S0, S2, S3, ..., Sn-1] is a list of stocks released by the user during the analysis period in the order of release time, and is assigned to the variable Sell. Meanwhile, in the variable Dot, the first transfer difference is stored in the DoT variable after all the algorithm according to FIG. 3A is performed, and is initialized to zero. The variable Bt is a variable for stocks to be used in the later part 1100, and i is a variable indicating 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 time. The variable St is a variable for the outgoing stock to be used in the later 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 holding stock (i.e. S0) released at the earliest time. The variable rsB is a variable representing the remaining quantity of stocks in stock allocated to Bt, and the initial value is set to the quantity of B0. N(x) represents the quantity of goods received or released x. The variable rsS is a variable representing the remaining quantity of outgoing stocks allocated to St, and the initial value is set to the quantity of S0.

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

The first subpart 1110 of part 1100 of the algorithm deals with the case where the balance of Bt (stocks received) is less than the balance of St (stocks outgoing). In the lower part 1110, after all the remaining amount (rsB) of the current stock Bt is released, the variable is adjusted so that the next stock can be processed. More specifically, the difference between the transfers when the remaining amount of Bt (rsB) is sold is summed (P(x) represents the unit price of the stock x), and the remaining amount of stock St (rsS) is equal to the remaining amount of Bt (rsB). After deducting, the stock with the next earliest stock should be processed, so the index i of Buy is increased and the next stock stock is allocated to Bt. rsB is set to the next incoming stock quantity.

The second subpart 1120 of the algorithm's part 1100 deals with the case where the balance of Bt (incoming stock) is greater than the balance in St (outgoing stock). In the lower part 1120, after the remaining amount (rsS) of the currently released stock St among the current stocks Bt is released, the variable is adjusted so that the next released stock can be processed. More specifically, the difference between the transfers when all the remaining amount of St (rsS) is sold is summed, the remaining amount of stock Bt (rsB) is deducted by the remaining 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 issue stock.

The third subpart 1130 of the algorithm's part 1100 deals with the case where the balance of Bt (incoming stock) and St (outgoing stock) are the same. In the lower part 1130, after all of the current stocks Bt are released, the variables are adjusted so that the next stocks are processed. More specifically, when all the remaining amount of Bt (rsB) is sold, the difference in the transfer is summed, the next stock received in Bt is allocated by increasing the index i of Buy, and the next stock stock received in St by increasing the index j of Sell. 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 of course, there may be various algorithms for implementing the first method of prioritizing stocks with a fast stocking point among stocks of the target stock held by the user.

On the other hand, the computing system 100 may calculate a second transfer difference when each delivery transaction for the stock of the target stock held by the user during the analysis period is performed according to the second method (S150). In this case, the second method may be a method of preferentially discharging stocks having a late stocking point among stocks of the target stock held by the user.

In the second method, the goods issue transactions (eg, sale, transfer, and other company's delivery, etc.) made during the analysis target period are treated as being sequentially performed in the reverse order of the stocking time. In other words, stocks that have a late stocking point among the stocks held are treated as having priority through the release transaction. The second difference in transfer refers to the difference in transfer when it is assumed that the stocks held by the user are released in the second manner. On the other hand, according to the embodiment, in the case of a delivery transaction with a unit price of 0 (for example, transfer, transfer, etc. excluding selling), it is treated as having no transfer difference or may be excluded from the calculation of the transfer difference as described above.

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

The algorithm of FIG. 3B operates mostly similar to the algorithm of FIG. 3A, but there are some differences. Focusing on the difference, since the algorithm of FIG. 3B needs to be processed from the latest stocks received, the index i of Buy is set to m-1, and thus the initial value of Bt is the stocks held at the latest stock (i.e., It is initialized to Bm-1).

On the other hand, in the algorithm of FIG. 3B, when all the remaining amount of stock Bt of the current stock is released, stocks with the next post-receipt time should be processed, so the sub part 2110 of FIG. 3B and the figure corresponding to the sub part 1110 of FIG. 3A In the lower part 2130 of FIG. 3B corresponding to the lower part 1130 of 3A, the index of Buy is decreased (increase in the algorithm of FIG. 3A) for processing of the next stock.

The algorithm of FIG. 3B is also only an example, and of course, there may be various algorithms for implementing the second method of preferentially discharging stocks with a late stocking point among stocks of the target stock held by the user.

FIG. 4A shows an example of a list of transaction details for a target item, and FIG. 4B is a first transfer difference when the transaction details list of FIG. 4A is released by the first method and when the second method is released. A diagram showing the result of calculating the second transfer difference.

Referring to FIG. 4A, stocks were stocked in the user's account in chronological order as follows.

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

-Free increase of 10,000 shares on 2020.03.31

After that, the user sells 10,000 shares at a unit price of 30,000 won on January 1, 2020.

According to the above-described first method, as shown in FIG. 4B, the sale of 10,000 shares (unit price of 30,000 won) on January 1, 2020 is the earliest time the user has sold (purchased) 100,000 shares of the stocks sold on January 1, 2020. Since it is the sale of 10,000 shares (unit price of 20,000 won), the first transfer difference is calculated as follows.

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

On the other hand, according to the second method described above, the sale of 10,000 shares (unit price of 30,000 won) as of January 1, 2020 is due to the sale of 10,000 shares of stocks (unit price of 0 won) that received a free increase on March 31, 2020, which is the latest time by the user. 2 The difference in transfer is calculated as follows.

2nd transfer difference = transfer price-acquisition price = 10,000 shares * 30,000 won-10,000 shares * 0 won = 300,000,000 won

On the other hand, FIG. 5A shows another example of a list of transaction details for a target item, and FIG. 5B is a first transfer difference and a second method when the transaction details list of FIG. 5A is released by the first method. A diagram showing the result of calculating the second transfer difference in one case.

Referring to FIG. 5A, stocks were stocked in the user's account in chronological order as follows.

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

-Buy 10,000 shares at 22,000 won on 2020.02.01

-Free increase of 10,000 shares on 2020.03.31

-Buy 20,000 shares at 23,000 units on May 31, 2020

After that, it can be assumed that the user sold 10,000 shares at a unit price of 30,000 won on July 31, 2020, and 20,000 shares sold at a unit price of 28,000 won on August 31, 2020.

According to the above-described first method, the first delivery transaction, that is, the sale of 10,000 shares (unit price of 30,000 won) as of July 31, 2020, sells 100,000 shares (unit price of 25,000 won) that the user purchased on January 1, 2020, the earliest time. The second delivery transaction, that is, the sale of 20,000 shares (unit price 28,000 won) on August 31, 2020, 10,000 shares (unit price 22,000 won) purchased on February 1, 2020, and 10,000 shares (unit price 0 won) ) Is sold, so the first transfer difference is calculated as shown in FIG. 5B.

1st 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

Meanwhile, according to the second method described above, the first delivery transaction, i.e., the sale of 10,000 shares (unit price of 30,000 won) as of July 31, 2020, is the latest among the 20,000 shares (unit price of 23,000 won) that the user purchased on May 31, 2020. The second delivery transaction, that is, the sale of 20,000 shares (unit price 28,000 won) as of August 31, 2020, is the remaining quantity of 10,000 shares of the 20,000 shares (unit price 23,000 won) purchased on May 31, 2020. And since it is the sale of 10,000 shares (unit price of 0 won) received free-of-charge on March 31, 2020, the second transfer difference is calculated 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

Meanwhile, referring to FIG. 2 again, the computing system 100 may generate consulting information based on the calculation of the first transfer difference and the second transfer difference (S160).

Consulting information on how to handle the outgoing transaction as performed may be provided to the user according to the calculated transfer difference between the first method and the second method. The consulting information may be the first transfer difference and the second transfer difference itself.

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

Meanwhile, according to an embodiment, the consulting information may include information on the first transfer tax amount and the second transfer tax amount. That is, the computing system 100 calculates a first transfer tax amount for the first transfer difference and a second transfer tax amount for the second transfer difference, and stores information on the calculated first transfer tax amount and the second transfer tax amount. Can be provided to the user.

The transfer tax amount is proportional to the transfer difference if the same tax rate is applied for each issue transaction. However, according to the above-described first method and second method, the holding period of stocks used for each release transaction may be different. In addition, different tax rates may apply depending on the retention period. In this case, it may be insufficient to provide consulting information that is advantageous to the user only by the transfer difference according to the first method and the second method, and it may be desirable to generate consulting information considering the amount of transfer tax.

For example, it may be assumed that the tax rate is applied differently according to a predetermined reference period (eg, 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 tax rate of b is applied in a longer period. Where a can be a larger number.

Then, in the example of FIG. 5A, when the first method is followed, the stock used in the first delivery transaction (selling on July 31, 2020) may be treated as stock received through the first stock transaction (buying on January 1, 2020). In this case, since the retention period is longer than the reference period, the transfer tax rate b may be applied. In addition, the stocks used in the second delivery transaction (Sell on August 31, 2020) are 10,000 stocks received through the second goods transaction (purchase on February 1, 2020) and the third stock transaction (free increase on March 31, 2020) ), and in this case, stocks received through the second stock transaction (purchase as of February 1, 2020) have a base period (e.g., 6 months) through the second delivery transaction. Since it is longer, the transfer tax rate b is applied, but the holding period of 10,000 stocks received through the third stock transaction (free increase as of March 31, 2020) is shorter than the reference period, so the transfer tax rate a may be applied.

Therefore, if the first method is selected, the transfer tax amount according to the entire delivery transaction, that is, the first transfer tax amount is 10,000 shares of transfer tax equivalent to the first delivery transaction* (30,000 won-25,000 won)*b and the second delivery transaction. It can be the sum of the amount of transfer tax {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 stocks used in the first delivery transaction (selling on July 31, 2020) can be treated as stocks received through the fourth stocking transaction (purchase on May 31, 2020). Since the retention period is shortened, the transfer tax rate a may be applied. In addition, the stocks used in the second delivery transaction (Sell on August 31, 2020) are 10,000 stocks received through the fourth goods transaction (purchase on May 31, 2020) and the third stock transaction (free increase on March 31, 2020) ) Can be treated as 10,000 shares, and in this case, both the stocks received through the 4th stock transaction (purchase on May 31, 2020) and the 3rd stock transaction (free increase on March 31, 2020) can be treated as the second stock. Transfer tax rate a may be applied because the retention period is shorter than the standard period (eg, 6 months) through the goods issue transaction.

Therefore, if the second method is selected, the transfer tax amount according to the entire delivery transaction, that is, the second transfer tax amount, is 10,000 shares of the transfer tax equivalent to the first delivery transaction* (30,000 won-23,000 won)*a and the second delivery transaction. It can be the sum of the amount of transfer tax {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, a case in which the transfer tax rate a is applied in both cases of the second method is illustrated, but the tax rate to be applied may vary according to each delivery transaction depending on the timing of each warehousing transaction and delivery transaction, and the embodiment of the base period. Yes, of course.

In general, if the second method is selected, the holding period of stocks used in each issue transaction can be shortened. However, even in such a case, the maintenance or loss of a specific position (e.g., whether the stock is the largest shareholder) may vary depending on the number of stocks remaining after the release transaction, and in this case, the remaining stocks may be subject to tax exemption. Applying the resulting tax rate may not be disadvantageous to the user.

Moreover, within the limit of tax-exemption, the user can also choose various strategic options such as donations, and depending on the user, although it is somewhat disadvantageous for the immediate transfer tax itself, it may choose a method with a higher transfer tax depending on the use of the remaining stocks. Therefore, more effective consulting information when the tax rate is considered when the holding period of the stocks used for each release transaction is applied differently according to the first method and the second method, as well as the difference in the transfer amount according to the first method and the second method. May become possible. It goes without saying that the consulting information at this time may be the first transfer tax amount and the second transfer tax amount itself, or any meaningful information that can be provided to the user based on the calculated transfer tax amount.

In the end, according to the technical idea of the present invention, whether the method of first shipping stocks (i.e., first-in-first-out) is advantageous for calculating the transfer difference (or transfer tax amount) after selling stocks, By providing consulting information on whether it is advantageous to release stocks received later (last-in, first-out), it can help customers make rational decisions.

6 is a block diagram illustrating a schematic configuration of a computing system according to an embodiment of the present invention. 6, the computing system 100 includes an acquisition module 110, a status determination module 120, an extraction module 130, a first calculation module 140, a second calculation module 150, and A 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.

Depending on the 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 the embodiment, the computing system 100 may be It goes without saying that more components may be included. For example, the computing system 100 includes other components included in the computing system 100 (for example, the acquisition module 110, the status determination module 120, the extraction module 130, the first calculation module) A control module (not shown) capable of controlling functions and/or resources of (140), the second calculation module 150, the consulting module 160, the confirmation module 170, and/or the 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, it is installed in a device separated from each other to perform each function. By doing so, it may be implemented as a set of logical configurations for implementing the technical idea of the present invention. In addition, the computing system 100 may refer to a set of components implemented separately 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 in the same physical device. In addition, depending on the implementation example, the acquisition module 110, the status determination module 120, the extraction module 130, the first calculation module 140, the second calculation module 150, the consulting module 160, confirmation The combination of 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 to form each of the modules. It can also be implemented.

In addition, in this specification, the term "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 predetermined code and a logical unit of hardware resources for executing the predetermined code, but does not necessarily mean a physically connected code or a single type of hardware. It can be easily inferred by an average expert in the technical field of the present invention.

The acquisition module 110 may acquire information about a user's stock transaction ledger. For example, the acquisition module 110 may acquire stock transaction 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 handles work for the user (eg, an asset manager, an asset consultant, a tax agent, etc.).

In addition, the acquisition module 110 may acquire information on the holding status of a specific stock as well as information on the transaction ledger. At this time, the acquisition module 110 may further acquire information on the holding status of a specific stock for not only the user but also the user's special relationship. Information on the holding status of specific stocks of the user and/or specially related person may be obtained from the securities company system 300, but may also be obtained manually from the user or a person who handles business for the user.

In addition, according to an embodiment, the acquisition module 110 may further acquire information on other stock items held by the user as well as a specific stock (target stock) that the user intends to sell. In addition, the computing system 100 may provide a user with consulting information capable of actively reducing capital gains tax that may occur in the transfer of a predetermined target stock by actively utilizing the stocks currently in loss among the other stocks. . Information on the other stock items may also be obtained by the consulting module 160 through at least one securities company system 300, or may be directly inputted through a user or a user's agent. In addition, other stock items may be unlisted stocks. In this case, acquisition information (acquisition date, acquisition quantity, acquisition unit price, acquisition type, etc.) may be input from the user or the user's agent.

It goes without saying that the acquisition module 110 can check information on the holding status of a specific stock of a user from the acquired information. In addition, according to an embodiment, information on the holding status of the user's specially related person may be checked.

According to an embodiment, the acquisition module 110 may generate consulting information based on the user's own holding status, or generate consulting information in consideration of the holding status of a specially related person. Ideally, it is possible to know whether a user corresponds to a specific position only by considering the holding status of a specially related person, but it may not be easy to grasp all the holdings of a specific stock of not only the user but also the related person without active cooperation from the user. have. Because even if only one user is considered, it may not be easy to grasp only the user's own holdings when certain stocks are distributed and held through different securities companies. Moreover, in the case of specially related persons, who is the user's specially related person? Even it may not be easy to grasp without active cooperation from users.

Therefore, in this specification, the holding status of the user and/or the specific stock acquired by the computing system 100 is defined as the holding status based on the user. The user-based holding status may mean the holding status of a specific stock of a user and/or a related person acquired by the computing system 100, and the user actively provides information on the related person and/or the holding status of the related person. It goes without saying that the status of user-standard possession that can be acquired by the acquisition module 110 may vary depending on whether information is inputted.

Of course, it would be desirable to induce the computing system 100 to actively input information (eg, stock account information, etc.) that can confirm the holding status of specific stocks of not only itself, but also a related person as much as possible for accurate and efficient consulting. I can.

The extraction module 130 may extract the details of the stocks of the target stock 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 performing each delivery transaction during a predetermined analysis period for the stock of the target item held by the user according to the above-described first method. , The second calculation module 150 may calculate a second transfer difference when each delivery transaction for the stock of the target stock held by the user during the analysis period 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 difference and the second transfer difference. The generated consulting information can be provided to users. 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 tax amount for the first transfer difference and a second transfer tax amount for the second transfer difference, and calculates the first transfer tax amount and the second transfer tax 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 each calculate the first transfer tax amount and the second transfer tax amount as described above, and in this case, the consulting module 160 is calculated. Consulting information may be provided to the user based on the first transfer tax amount and the second transfer tax amount. 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 performed by the consulting module 160 if necessary.

According to an implementation example, the consulting module 160 may generate/provide multi-faceted consulting information related to a specific position as described above.

Meanwhile, the status determination module 120 may determine whether the user has a specific status for a company corresponding to the target stock item, and the computing system allows the user to correspond to the target stock item. It may be implemented to provide consulting information when it is determined that it has a specific position for a company that is doing business.

In addition, the status determination module 120 may determine not only whether the user has a specific status for a specific stock (a specific company), but also determine specific status information including information on the margin conditions as described above. Then, the consulting module 160 may generate consulting information related to a specific position and provide it to the user.

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

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

The confirmation module 170 may specify predicted selling transaction information when the user wants to sell a predetermined stock, that is, before an actual selling transaction is made. The predicted selling transaction information may include a predicted selling point, a predicted selling quantity, or an expected selling price expected by the user.

The expected sell-off point may be immediate (eg, within a few seconds to minutes) when the user inputs order information for a target stock, that is, a stock to be sold to HTS. In some cases, there may be no intention to sell right away, and in this case, the selling point may be separately input from the user.

In addition, the expected selling quantity and/or the expected selling price may also be input from the user.

Through this, the confirmation module 170 may specify the expected selling transaction information. In addition, according to an embodiment, the confirmation module 170 may specify a method of selecting a shipment order. As described above, the delivery order selection method may be one of the first method or the second method. The verification module 170 calculates the transfer difference (transfer income) and/or transfer income tax according to the first method or the second method, and then automatically specifies a method that is more advantageous to the user as the delivery order selection method or information related thereto. After providing to the user, the user can finally choose. Alternatively, the user may simply choose which method to select the shipping order selection method. The specified delivery order selection method is determined by the delivery order selection method of the corresponding account, and thereafter, since the delivery order selection method specified in the relevant account may need to be followed, the confirmation module 170 is used for the delivery order selection method specified for each account. Information can be stored in a predetermined recording device.

If the account containing the target stock has already been selected for the delivery order selection method, the same account may not be able to change the previously determined delivery order selection method. In this case, the confirmation module 170 It is possible to automatically specify the specified delivery order selection method as the delivery order selection method to be applied when performing an expected selling transaction, if it exists after checking whether there is a delivery order selection method in which the account has already been specified.

On the other hand, the computing system 100 is a consulting that can actively reduce the capital gains tax by using the user's lost stocks when a certain target stock is sold or prior to the sale, if capital gains tax is imposed according to the sale of the target stock. You can provide information.

And when providing such consulting information, adaptive consulting information can be generated according to the taxation characteristics of lost stocks. Providing adaptive consulting information according to taxation characteristics means whether or not the user has a specific status for lost stocks and whether or not lost stocks are listed, the taxability and taxation rate are different. It may mean that different consulting information can be provided according to the taxation characteristics including.

To this end, the verification module 170 may specify information on at least one target loss stock from among the loss stocks of the user in order to reduce capital gains tax due to the sale of the target stocks in profit held by the user. That is, the verification module 170 may specify a target loss stock, which is a loss stock to be used to reduce the capital gains tax on the target stock. To this end, the verification module 170 may check information on the user's other stock items acquired by the acquisition module 110, and among them, may specify a loss stock.

Among the lost stocks acquired by the acquisition module 110, listed stocks or unlisted stocks may be included. And among lost stocks, the user may or may not be in a specific position. As such, taxation conditions may differ depending on whether or not they are listed and/or corresponding to a specific status, and this will be defined as a taxable characteristic in this specification.

Then, the confirmation module 170 may determine the taxation characteristics of the lost stock, respectively. To this end, the listing of each lost stock can be easily determined through the securities company system 300 or other list of listed stocks, and whether it corresponds to a specific status can be made possible by acquiring the judgment result from the status determination module 120. have.

When there is one loss stock, the confirmation module 170 may specify the loss stock as a target loss stock. In the case of multiple lost stocks, all or part of the multiple can be specified as target loss stocks. The target loss stock may be specified by a user's selection, but according to an embodiment, the confirmation module 170 may recommend a target loss stock among a plurality of loss stocks.

According to an example, the target stock may be a listed stock and a stock corresponding to a specific position (eg, a large shareholder due to overpayment) by the user. In such cases, capital gains tax may be imposed even for listed stocks. Then, the confirmation module 170 may recommend a loss stock having the same taxation characteristics as the target stock, for example, whether or not to be taxed and a tax rate, as the target loss stock.

That is, there are a plurality of lost stocks, and the user may want to reduce the capital gains tax by selling only some of the plurality of lost stocks. In this case, the confirmation module 170 preferentially recommends the loss stocks having the same tax characteristics as the target stock. I can do it.

Of course, depending on the embodiment, all lost stocks may be specified as target loss stocks.

Then, the consulting module 160 may adaptively provide a selling strategy including a selling timing or a selling form of the target loss stock to the user as consulting information according to the taxation characteristics of the target loss stock.

For example, the consulting module 160 can provide the user with a selling strategy in which a target loss stock is a listed stock and a user corresponds to a specific position, simply confirming the transfer of the target stock and selling it within the same taxable period. have.

If the target loss stocks are listed stocks, but the employer does not correspond to a specific status, income may be non-taxable. In such a case, if the stock is sold on the market, the transfer loss may not be deducted from the transfer income of the target stock, even if the target stock is lost. In this case, the consulting module 160 may provide a selling strategy to the user to sell the over-the-counter sale within the same taxable period as the transfer income of the target stock, even if the target stock is a listed stock. In other words, even for listed stocks, different selling strategies can be provided to users as consulting information according to taxation characteristics.

In addition, if the target loss stock is an unlisted stock, of course, it is possible to provide a selling strategy to the user to sell the target stock within the same taxable period as the transfer income determination.

In addition, according to an embodiment, the consulting module 160 may provide, as consulting information, information on the reduced capital gains tax reflecting the transfer loss when the target loss stock is sold according to the expected selling transaction information. That is, the consulting module 160 is a transfer income tax of the target stock when the target loss stock is not sold, and the reduced transfer income tax (or a reduced amount) reflecting the transfer loss of the target loss stock when the target loss stock is sold. ) Can be calculated and provided to the user to induce active use of the transfer loss.

Moreover, even if a user sells to establish a transfer loss, if the user wants to hold the subject loss stock, he can sell and buy again.Therefore, the possibility that the user does not want to hold the subject loss stock is very low. It can be a selling strategy that can be actively used.

Detailed technical ideas for providing information on the reduced capital gains reflecting the transfer loss will be described later.

The specific module 180 may acquire acquisition information corresponding to the quantity of delivery in a predetermined delivery transaction. Of course, if the release transaction is not made, the specific module 180 may specify acquisition information corresponding to the expected selling quantity based on the expected delivery, that is, the expected selling quantity included in the expected selling transaction information.

The acquisition information may include an acquisition price corresponding to the selling quantity, an acquisition time, or a type of stocking transaction. It goes without saying that the specific module 180 may specify different acquisition information for each of the partial quantities constituting the selling quantity or the expected selling quantity if any one of the stocking transactions is not matched with the delivery transaction in some cases. .

That is, the specific module 180 can acquire acquisition information for each selling quantity or expected selling quantity, and acquiring acquisition information for each selling quantity or expected selling quantity means that the stocks included in the selling quantity or the expected selling quantity. It may mean specifying the acquisition information for each partial quantity.

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

On the other hand, the specific module 180, when actively utilizing the transfer loss of the target loss stock, as described above, specifies the acquisition information for each expected selling quantity of the target loss stock according to the expected sale transaction information of the target loss stock. can do.

For example, in the case of selling all of the target loss stocks, the transfer loss can be calculated simply by using the total selling price according to the expected selling price from the total purchase price. However, depending on the embodiment, it may be desired to sell only a part of the target loss stock, and in this case, the acquisition date, acquisition price, and acquisition type must be specified for each expected selling quantity, so that a transfer loss for each expected selling quantity can be specified.

To this end, the specific module 180 and/or the confirmation module 170 may first specify a delivery order selection method in order to specify acquisition information for each expected selling quantity of the target loss stock. Since the concept of specifying the delivery order selection method is the same as that of specifying the delivery order selection method of the target stock, a detailed description will be omitted.

In addition, depending on the embodiment, the method of selecting the delivery order of target stocks and the method of selecting the delivery order of target lost stocks may be different. In other words, if the target stock and the account or securities company that includes the target stock and the target stock are different, a different delivery order selection method may be applied.

When the target loss stock is specified, the confirmation module 170 may receive information about the expected selling transaction (eg, the expected selling point, the expected selling quantity, and/or the expected selling price) of the target lost stock from the user. Depending on the embodiment, the expected selling point must be the same tax period as the selling date of the target stock, so the consulting module 160 may recommend it.

Then, the specific module 180 specifies the acquisition information for each expected selling quantity based on the expected selling transaction information of the target loss stock, and specifying the transfer loss for each expected selling quantity based on the specific acquisition information. Transfer loss can be calculated.

Then, the consulting module 160 may generate consulting information according to an embodiment of the present invention.

The consulting information may include an expected capital gains tax according to a pre-specified delivery order selection method before the user sells stock. In order to calculate the expected capital gains tax, the consulting module 160 may calculate the expected capital gains tax simply by summing the transfer difference for each partial quantity included in the expected selling quantity and applying a predetermined transfer tax rate. However, according to an implementation example, the consulting module 160 may calculate the holding period for each expected selling quantity, and may calculate the expected capital gains tax by applying different tax rates according to the holding period. In addition, the consulting module 160 may calculate the transfer difference of the expected selling quantity, and when the calculated transfer difference exceeds the reference transfer difference, a different tax rate may be applied to calculate the expected capital gains tax. For example, if the transfer difference exceeds a predetermined standard transfer difference (for example, 300 million won), a tax rate of 25% is applied, and if not, a tax rate of 20% may be applied to calculate the expected capital gains tax. Depending on implementation examples or according to laws and regulations, a high tax rate may be applied to the total transfer difference, or a high tax rate may be applied only in the range exceeding the standard transfer difference.

In addition, the consulting information may include recommendation information recommending that some of the expected selling transaction information be changed in order to reduce the capital gains tax before the target stock is sold.

For example, depending on the delivery order selection method, some of the quantities the user wants to sell may be calculated as the holding period less than a predetermined reference period. As will be described later, the specific module 180 may specify acquisition information according to a delivery order selection method for each partial quantity included in the expected selling quantity. Acquisition information may include the acquisition time at which the warehousing transaction corresponding to each quantity was made, and based on the acquisition time and the expected selling point included in the expected selling transaction information, the consulting module 160 can calculate the holding period for each expected selling quantity. I can. In this case, the consulting module 160 may generate, as consulting information, recommendation information to sell some quantities after a certain point in time (eg, a point in time when the corresponding quantity becomes more than a reference period). Alternatively, recommendation information to reduce the selling quantity itself so that the quantity corresponding to the partial quantity is not sold can be generated as consulting information.

For example, when a user sells a quantity to be sold at the expected selling price, the tax rate may be changed if the transfer difference exceeds the standard amount. In this case, the consulting module 160 may change the expected selling quantity so that the transfer difference does not exceed the reference amount, or may generate recommendation information recommending that the expected selling point be changed to the next taxable period as consulting information.

As described above, according to the technical idea of the present invention, by allowing the user to check the expected capital gains tax in advance before selling stocks, it may not only help the user's delivery strategy, but also determine the selling quantity or selling point in advance. In the case of a change, it is possible to enjoy a considerable tax saving effect for users by providing consulting information with recommended information that can be profitable from a taxation point of view.

In addition, the consulting module 160 may provide consulting information for actively determining the transfer loss of lost stocks in order to reduce the transfer income tax of the target stock. The consulting module 160 may simply provide an adaptive selling strategy according to the taxation characteristics of the target loss stock. Depending on the embodiment, information on the reduced transfer income tax reflecting the expected transfer loss is specified as consulting information by specifying information on the sale of the target loss stocks, and calculating the expected transfer loss when the sale is made to correspond to the expected sale transaction information. You can also provide.

To this end, the consulting module 160 may specify a method of selecting a delivery order to be applied to a target loss stock. And, based on the expected selling transaction information of the target loss stock, the acquisition information for each expected selling quantity is specified, and the estimated transfer loss for each expected selling quantity is calculated based on the acquisition information for the specified expected selling quantity, and the calculated expected selling quantity It is possible to calculate the expected transfer loss for the entire expected selling quantity based on the expected transfer loss.

Of course, when the expected transfer loss is calculated, the expected transfer income tax can be calculated after subtracting the expected transfer loss from the transfer income of the target stock.

Meanwhile, the consulting module 160 may provide consulting information for changing the type of delivery transaction for a partial quantity.

To this end, the consulting module 160 may first specify the warehousing transaction corresponding to the target quantity. In addition, predetermined reference conditions for defining the target quantity can be set in advance.

Then, the consulting module 160 performs information on a target quantity, which is at least a part of the quantity to be sold, or a delivery transaction other than selling (e.g., delivery to another account, etc.) based on the acquisition information. Consulting information including suggested information can be generated and provided to users. This will be described in detail later.

It goes without saying that the computing system 100 can provide the above-described consulting information for each stock item held by the user.

Meanwhile, as described above, the computing system 100 may select the transfer difference or the transfer tax amount for stock transactions that have already been performed for a predetermined period for each delivery method, but the user may preemptively select a predetermined amount before performing stock transactions. By providing consulting information, you can also provide information that is helpful for tax savings.

Consulting information provided in this case is, as will be described later, when a user wants to sell a specific stock, at least some of the stocks included in the selling quantity are subject to predetermined conditions (e.g., if a transfer tax is relatively high when simply selling) ), it may include information on the quantity corresponding to the condition. Hereinafter, in the present specification, the quantity of the specific stock meeting the above conditions will be defined as the target quantity.

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

If such a target quantity is included in the selling quantity of the specific stock that the user currently intends to sell, the target quantity may be treated as having a relatively high transfer margin, and in this case, a high transfer tax may be imposed. Therefore, it may be desirable to transfer or transfer the target quantity to a separate account and sell the quantity that does not correspond to the target quantity first. Because, after selling the specific stocks excluding the target quantity, it may escape from the status of taxable stock transfer income tax (eg, large shareholders due to overpayment) due to the decrease in the holdings. Or, even if the user sells the quantity he wants except for the target quantity, he or she may not be able to get out of the taxable position, but it is because the transfer tax can be reduced by executing other strategies such as gift within the scope of non-taxation.

In the case of providing predetermined consulting information when the target quantity is included in the quantity to be sold preemptively by the user, the tax savings is much higher than when a limited delivery order is selected in an advantageous manner after performing a stock transaction. There are effects that may be possible.

In addition, not only when the user is willing to sell a specific stock (e.g., when the user enters order information for a sell order), but also when there is no intention to sell, based on past warehousing transactions If you sell stock, you can provide consulting information in advance that the stock corresponding to the target quantity will be sold after that.

For example, explaining the transaction details in FIG. 5A as an example, in an account to which a transfer tax is imposed by the first method of release, 2020.07.31. Selling 10,000 shares are handled as stocks sold in stock trading on January 1, 2020. Afterwards, if the user inputs a request to sell 20,000 shares on HTS or MTS to sell 20,000 shares on August 31, 2020, 10,000 shares of the sold quantity (20,000 shares) are treated as stocks corresponding to the warehousing transaction as of February 1, 2020, but the remaining quantity 10,000 shares, that is, the subject quantity as defined in this specification, is treated as a stock transaction as of March 31, 2020, that is, shares acquired through a free increase are sold. In this case, a relatively high transfer margin (28,000 won) can be applied to the target quantity.

In this case, according to the technical idea of the present invention, when a request to sell (20,000 shares of the selling quantity) is entered on August 31, 2020, only 10.000 shares are sold to the user and 10,000 shares corresponding to the target quantity are transferred or replaced to another account. Consulting information that proposes to be done may be generated and provided to the user terminal 200. Of course, if the user wants, the consulting information may further include information that allows the user to sell the remaining 10,000 shares of the desired quantity after transfer or replacement.

In this case, if such consulting information was not provided and the sale of 2020.08.31. was simply carried out according to the user's request for sale, as described in Fig. 5b, the gain on the transfer by 20,000 shares of the sale of 2020.08.31. 10,000*(28,000-22,000)+10,000*(28,000-0)} However, according to the consulting information, if only 10,000 shares are first sold, then the 10,000 shares corresponding to the target amount are transferred or replaced to another account, and then 10,000 shares are sold again after that, the last 10,000 shares are stocked and traded as of May 31, 2020. It is treated as acquired by and in this case, it will be set at {10,000*(28,000-22,000)+10,000*(28,000-23,000)}=1100 million. Of course, if you sell 10,000 shares of the subject quantity transferred or replaced to another account in the future, significant gains may be settled, but if only the subject quantity remains, the position of the contingent major shareholder may not be possible. The remaining shares may be subject to tax-free gift, etc. Eventually, in some cases, it is possible to obtain a very high tax saving effect through the above-described consulting information.

In this way, the computing system 100 may maintain/manage predetermined pointing information to provide consulting information on the target quantity. The pointing information may be information maintained in order to determine whether stocks acquired through a stock transaction are sold when the sale is performed.

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

Consulting information provided to a user (user terminal 200) by the computing system 100 may be information on a target quantity. For example, when a request to sell is input from a user, information on the target quantity may include whether the target quantity is included in the quantity requested for sale, or that it corresponds to the target quantity from a few weeks later.

According to an implementation example, the consulting information may include information on a delivery transaction method that it is advantageous to perform a delivery transaction in a specific manner for a user based on information on the determined target quantity. That is, as described above, the consulting information may include information to transfer all or part of the quantity to another account of the person, transfer to another account, or transfer to another person's account. Of course, the consulting information may further include information to sell a certain quantity before or after the delivery transaction for such a target quantity.

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

7 is a diagram for describing a method of providing consulting information that may be provided to a user according to an embodiment of the present invention.

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

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 stocks corresponding to the selling quantity or the type of stock transaction. Of course, as described above, the entire quantity sold may not be treated as acquired by the same acquisition price or the same warehousing transaction, and in this case, acquisition information can be specified for each quantity acquired as acquired by different warehousing transactions. .

Then, the computing system 100 provides information on the target quantity, which is at least a part of the sold quantity, based on the specific acquisition information, or the delivery transaction other than selling (for example, transfer or replacement to another account). S) can be provided to users by generating consulting information including information proposing them.

When the target quantity is sold, the acquisition price is at a predetermined standard compared to the other specific stocks included in the specific account (e.g., when the average acquisition price of the specific stock is lower than a certain ratio or before the warehousing transaction corresponding to the target quantity) Or, if the acquisition price is lower than a certain percentage of the average acquisition price of a predetermined number of warehousing transactions in the future, etc.), it is treated as acquired by a quantity or a predetermined type of warehousing (e.g., free or paid increase). It may be a quantity as described above.

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

In this way, when a user wants to sell, the user's profit can be greatly increased by providing consulting information in real time and preemptively.

To this end, the computing system 100 may be installed in whole or in part in the user terminal 200 or in the securities company system 300 in whole or in part, so that information on the selling quantity may be checked. In addition, as described above, of course, the computing system 100 may directly or indirectly obtain the user's account ledger information from a securities company.

On the other hand, in order to generate such consulting information, the computing system 100 must be able to check the quantity corresponding to which warehousing transaction when the delivery (e.g., transfer, replacement, or sale) is performed. The acquisition information can be obtained.

To this end, the computing system 100 may maintain predetermined pointing information. The pointing information may be information for determining whether stocks by which stocks (or from which quantity of stocks of a specific stocking transaction) can be treated as being sold when the current sale starts. For example, although FIG. 3 also describes an example in which such pointing information is maintained through an index of a matrix, it is not necessarily limited thereto.

If such pointing information is maintained, the target quantity can be determined very quickly.

In addition, as described above, in the case of an account in which the delivery order method is not determined, the computing system 100 points corresponding to each of the first delivery method (e.g., first-in, first-out) and the second delivery method (e.g., last-in, first-out). You can keep the information together. In addition, it is possible to determine the target quantity according to each pointing information, and provide consulting information including information on the target quantity. Of course, once the delivery method is determined, only one pointing information according to the determined delivery method can be maintained/managed after that.

In FIGS. 8 and 9, in order to specify the acquisition information for each delivery quantity of the delivery transaction, an example of using the pointing information for determining the quantity corresponding to the stocking transaction of the delivery quantity will be described.

FIG. 8 is a diagram for explaining a method of determining which stocks to be sold are stocks by which stocks are sold in advance according to an embodiment of the present invention. Accordingly, this is a diagram for explaining a method that can determine in advance what stocks the stocks to be sold are by which stocks are sold.

First, referring to FIG. 8A, information on transaction details for a specific stock in a specific account of a user may be the same as that of FIG. 8A. And here, it is assumed that only the c transaction with the acquisition price of zero won exists as the subject quantity.

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

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

In FIG. 8A, only the warehousing transaction was performed until transactions a, b, c, and d, and since it is the case of the first delivery method, the first pointing information after the warehousing transaction of d (500 shares of purchase, KRW 1,100) is performed is shown in Fig. 8b (t4). ) May be as shown in. That is, since the delivery transaction has never been performed, information indicating the initial quantity of the warehousing transaction (eg, a) that is still performed first may be the first pointing information p1.

In FIG. 8B, the amount of warehousing of each warehousing transaction is displayed as a figure (eg, 21 to 24) representing a warehousing transaction by a length corresponding to the quantity of each warehousing transaction. Mapping this to the x-axis, the end point of the first figure (21) representing the warehousing transaction a corresponds to 10,000, the end point of the second figure (22) representing the warehousing transaction b corresponds to 15,000, and It can be easily seen that the end point of the third figure 23 corresponds to 22,500, and the end point of the fourth figure 24 representing the warehousing transaction d is mapped to a position corresponding to 23,000.

If the sale transaction (e) is carried out after that, it may be treated as sequentially sold as much as the number of sales (10,000 shares) of the sale transaction (e) from the number of positions indicated by the current first pointing information (p1). have. In such a case, the location of the first pointing information p1 may be changed as shown in FIG. 8B(t5). In addition, the quantity treated as already sold is the quantity that has been matched, and the computing system 100 may separately manage information. In FIG. 8B, the matching quantity is indicated by hatching.

Thereafter, if the purchase transaction (f) is performed after that, the position of the current first pointing information (p1) is not changed because it is a storage transaction, and the amount of storage corresponding to the purchase transaction (f) is additionally shown in Fig. 8b (t6). ) Can be maintained as shown.

If the sale transaction (g) is carried out after that, it may be treated as sequentially sold as much as the amount sold (10,000 shares) of the sale transaction (g) from the quantity at the position indicated by the current first pointing information (p1). have. In such a case, if the selling amount (10,000 shares) is treated as sequentially sold from the current first pointing information (p1), in addition to the amount of the purchase transaction (b), 5,000 of the free increase transaction (7,500) shares are additionally sold 10,000. May match state. That is, the quantity of the warehousing transaction (c) corresponding to the target quantity is matched with the selling quantity. In this case, the computing system 100 may provide consulting information as described above. For example, if the sale transaction is carried out, it will provide consulting information to sell 5,000 shares to another account and sell only 5,000 shares accordingly or sell 5,000 shares to another account according to the target quantity (i.e., the amount of free increase), or 5,000 out of 10,000 shares sold. I can.

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

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

After all, the technical idea of the present invention can provide consulting information when the user intends to sell stocks by maintaining/managing such pointing information or when there is a possibility that the target quantity will be preemptively released even if there is no intention to sell stocks. .

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

Up to the warehousing transactions (a, b, c, d), only information on the warehousing quantity is maintained, and the position of the second pointing information p2 after each warehousing transaction may exist at the last position of the warehousing quantity. Schematic of this case 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 warehousing transaction a when only the warehousing transaction a is performed, and when the warehousing transaction b is performed, the figure corresponding to the warehousing transaction b When the location is changed to the end point of (22), and the warehousing transaction c is performed, the location is sequentially changed to the end point of the figure 23 corresponding to the warehousing transaction c, and after the warehousing transaction d is performed, Fig. 9 (t4) ) May have been changed to a location as shown in.

When the delivery transaction (e) is performed after that, the quantity sold (10,000 shares) of the delivery transaction (e) is matched with the warehousing quantity matching the delivery transaction (e) in the reverse order from the second pointing information (p2). In this case, as shown in FIG. 9(t5), the quantity of the warehousing 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 a user. In Fig. 9, the maintenance of the second pointing information (p2) when the delivery transaction other than the sale of the target quantity is not carried out according to the consulting information. The user can transfer an account for the target quantity by referring to the consulting information. It goes without saying that the location of the second pointing information may be changed differently from FIG.

If the purchase transaction (f) is performed after that, the second pointing information (p2) may be changed to a location corresponding to the last warehousing quantity that has not been matched, and in this case, the location of the second pointing information (p2) is It can be changed as shown in 9(t6).

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

When the selling transaction (h) is carried out after that, the amount of stocking corresponding to the selling amount of the selling transaction (h) may be matched in reverse order from the position of the current second pointing information (p2). Fig. 9(t8).

After all, by maintaining such pointing information, it is possible to easily grasp the target quantity at any time even if the user has a request to sell or not, and accordingly, it is possible to provide efficient consulting information.

On the other hand, as described above, the consulting information generated and/or provided by the computing system 100 includes a strategy for avoiding it if it falls under a specific position and/or an effective stock disposal strategy in the case of a specific position. can do.

The acquisition module 110 may acquire and check the user's user-standard holding status of a specific stock. To this end, the acquisition module 110 may acquire information on a transaction ledger or information on the balance status of the specific stock from the securities company system 300. Alternatively, the acquisition module 110 may acquire information on the holding status of the user and/or specially related person from the user.

For example, as shown in FIG. 12, the acquisition module 110 may receive information about a specially related person (e.g., relationship with the user, direct existence and/or spouse's name, resident number, account information, etc.) Provides a UI that is available, and through this, information on specially related persons can be input.

In addition, depending on the implementation, information on the holding status of a specific stock of a related person may be directly input. To this end, the acquisition module 110 may provide a predetermined template, and may receive information on the holding status of the specific stock through the template.

It goes without saying that the scope of the specially related person may vary depending on whether the user is the largest shareholder of the specific stock (a specific company).

In addition, the acquisition module 110 may directly receive information on the status of holding the specific stock of the user as well as the specially related person.

Then, the status determination module 120 determines whether the user corresponds to a specific status for the specific stock based on the user-based holding status checked by the acquisition module 110 and the specific status determination criteria of the specific stock, or The user can determine the status information of the specific position, including the margin conditions for the specific position for the specific stock (e.g., if there are a few more weeks, if the stock price rises, the largest shareholder, etc.) I can.

The criteria for determining a specific position may vary depending on whether the specific stock is securities, KOSDAQ, KONEX, etc., that is, the listed market and/or the size of the company. For example, from April 2018 to March 2020, the criteria for determining a specific position for stocks corresponding to securities may have a stock holding ratio of 1% or a stock value of 1.5 billion or more. Stocks that fall under the KOSDAQ may have a stock holding ratio of 2% or a stock value of 1.5 billion or more as the criteria for determining a specific position. Stocks that fall under KONEX may have a stock holding ratio of 4% or a stock value of more than 1 billion won as the criteria for determining a specific position.

And it goes without saying that the criteria for judging such a specific position may vary depending on the period. It goes without saying that the status determination module 120 may store information about such a specific status determination criterion in advance or obtain it from the outside.

In addition, the status determination module 120 may check information on the current price of stocks through a network in order to determine specific status information.

Then, the consulting module 160 may generate and provide differentiated consulting information to the user based on the determined specific status information.

An example of such consulting information will be described with reference to FIGS. 10 to 11.

10 to 11 are views for explaining an example of providing consulting information related to a specific position according to an embodiment of the present invention.

10 illustrates an example of providing consulting information through the stock trading system when a user uses a stock trading system (eg, a mobile trading system (MTS)), but it is not necessarily limited thereto.

According to an example, when a user selects a predetermined stock (eg, stock A) through a stock trading system, the computing system 100 may provide consulting information 30 as shown in FIG. 10 to the user. .

The consulting information 30 may include information on the degree of margin conditions (eg, 31 to 33). For example, according to the current user-based holding status, the first consulting that the holding status of the user and/or a related person does not currently correspond to a specific position, but if the stock price rises by 5%, there is a risk of corresponding to a specific position. Information (31), second consulting information (32) that there is a risk corresponding to a specific position when a 5% to 15% rise, or third consulting information that there is a risk corresponding to a specific position when the 15% to 30% rise (33) can be optionally provided to the user.

That is, the computing system 100 according to the technical idea of the present invention does not currently correspond to a specific position, but preemptively exists that there is a risk of corresponding to a specific position according to the degree of the stock price increase of stock A, that is, the degree of the margin condition. It can be provided to users as an alternative.

The user can then choose whether to continue holding Stock A, even if he or she has the risk of a specific position, or whether to actively manage this risk by actively selling all or part of it.

And such consulting information 30 need not always be provided to the user. This is because the criteria for judging a specific status based on the total price of the holdings (e.g., 1.5 billion, 1 billion, or 300 million, etc.) are judged on a specific basis date (e.g., the end of the previous year). Only if it does not correspond to a specific position, it may not correspond to a specific position. Therefore, providing the consulting information 30 at a time when such a reference date remains relatively large may be providing unnecessary information to a user. For example, it may be unnecessary information to a user who plans to sell all or part of it before the determination reference date.

Therefore, the consulting module 160 is limitedly shown in FIG. 10 only when entering within a predetermined time range (e.g., 1 month, 20 days, etc.) based on the determination reference date and the degree of margin conditions within a predetermined range. By providing the consulting information 30 as described above, there is an effect of providing limited information only to users who need such consulting.

In addition, if the user's standard holding status is within a predetermined range compared to the specific position determination standard (e.g., when the total stock holding rate standard of the specific position determination standard is 1% or 2%, a predetermined ratio to the stock holding ratio standard (e.g., In the case of 0.5%) within), the consulting information is provided limitedly, thereby providing limited information only to users who need such consulting. For example, if the total stock holding ratio is 1%, consulting information is provided only to users with a stock holding rate of 0.5% or more according to the user-based holding status, thereby providing limited information only to users who need such consulting. There is.

On the other hand, according to the technical idea of the present invention, the reference range of the margin condition for providing the consulting information 30 to the user may also be differentiated according to a specific stock.

For example, in FIG. 10, a case in which the reference range of the margin condition is set to 5%, 5% to 15%, and 15% to 30% is exemplarily described, and if it is more than 30%, consulting information may not be provided. have.

However, it may be effective to select users who need consulting information that the standard range of these spare conditions varies depending on the type of stock and the characteristics of the stock. This is because even with the same share price increase rate (e.g., 5%), an increase of 5% for some stocks may be unusual unless there are special circumstances, but for some stocks, the stock price may easily fluctuate around 5% even without special circumstances. to be.

Therefore, uniformly determining the standard range of margin conditions irrespective of the characteristics of stocks may have a problem in that consulting information cannot be provided to users who actually need consulting, or consulting information is provided to users who do not need consulting.

The characteristics of such stocks may vary, for example, volatility or market capitalization of stocks. For stock volatility, a predetermined indicator (eg, VKOSPI, etc.) may be used, and various methods (eg, average price fluctuations over the last few days) set by the operator of the computing system 100 may be used. In addition, the market cap may also be an indicator related to the degree of stock price increase, and the standard range of margin conditions may change according to the market cap.

11 shows an example of providing consulting information when the reference range of the spare condition is different. In FIG. 11, consulting information for stocks (eg, stock B) with relatively large stock price volatility may be provided. In this case, the consulting module 160 sets the margin condition reference range as shown in FIG. It can be seen that it is set differently from the case of FIG. 10 to provide differentiated consulting information 30.

In the example shown in FIG. 11, the first consulting information 31 that if the stock value according to the current user's standard holding status increases by 10% in order to correspond to a user in a certain position, that is, a margin condition, that is, a user may correspond to a specific position. Second consulting information 32 that indicates that a specific position may be applied when 10% to 20% rises, or third consulting information 33 that indicates that a specific position may be applied when 20% to 35% rises are selectively provided to the user. Indicates that it can be provided.

On the other hand, this simply does not provide a margin condition according to the stock price increase rate, that is, the margin ratio of the stock price increase for a specific position, but the computing system 100 provides consulting information based on the stock price predicted based on the judgment reference date. Can provide.

The predicted stock price of the user predicted by the user may be used, or the stock price predicted by a predetermined stock price prediction system may be used. To this end, the computing system 100 may directly receive the predicted stock price of the determination reference date or information (eg, an increase rate compared to the current price) to the user through a predetermined UI. Alternatively, the computing system 100 may receive the predicted stock price of the determination reference date from a predetermined stock price prediction system. Since the stock price prediction system is not directly related to the technical features of the present invention, a detailed description of the detailed configuration and principle of the stock price prediction system will be omitted herein.

In any case, information capable of predicting the stock price of the judgment base date is received from the user or from the outside, and using this, the computing system 100 determines the possibility that the user corresponds to a specific position on the base date and provides it as consulting information. As an enemy, we can provide consulting to avoid or respond to risks corresponding to a specific position.

Meanwhile, according to an exemplary embodiment, it may be determined that the user corresponds to a current specific position for a specific stock by the position determination module 120.

Even in this case, even if the computing system 100 already has a specific position, it is possible to consult a strategy that can be profitable by actively responding to the user afterwards.

An example of this will be described with reference to FIGS. 13 to 15.

13 to 14 are diagrams for explaining the utility of a case in which a preemptive response is made according to consulting information according to the technical idea of the present invention. In addition, FIG. 15 is a view for explaining the effectiveness of a case where a post-response is made according to consulting information according to the technical idea of the present invention.

First of all, FIGS. 13 to 14 show the concept of consulting a strategy for temporarily avoiding a specific position based on the determination reference date when the current user corresponds to a specific position or if there is a risk of corresponding to a specific position. Fig. 15 shows the concept that a tax saving effect can be obtained by effectively disposing of stocks when they fall under a specific position.

First, referring to FIG. 13, the stock value (V) of a specific stock held by a user and/or a specially related person according to the user-based holding status may be changed as illustrated in FIG. 13.

In addition, the criteria for determining a specific position according to the stock value may be whether or not the stock value Vr at a predetermined judgment reference date tr is equal to or greater than the criteria for judgment (eg, 1.5 billion, 1 billion, 300 million, etc.).

In the example shown in FIG. 13, since the value (Vr) of a specific stock held by a user and/or a specially related person on the judgment reference date (tr) exceeds the judgment reference condition, the user has a specific position with respect to the specific stock. Then, when the user disposes of the specific stock after the judgment reference date tr, it may be subject to disadvantages (eg, transfer income tax, heavy tax, etc.) according to the specific position. These disadvantages may be disadvantages set by law and are subject to change.

In any case, such penalties may occur when a user with a specific status disposes of the specific stock. For example, in the case of listed stocks, capital gains tax is not levied on those who do not have a specific status, whereas capital gains tax may be levied on those with a specific status. Therefore, if a user sells the specific stock at a predetermined time (sell point), a disadvantage may be incurred for the user.

In consideration of this situation, the computing system 100 may generate consulting information and provide it to a user.

FIG. 14 exemplarily shows a case of using consulting information according to the technical idea of the present invention when the stock value fluctuates as in FIG. 13.

For example, as shown in FIG. 14, when a specific position has already been obtained before the judgment reference date tr, or when there is a risk of corresponding to a specific position (e.g., when the degree of margin conditions is small), the consulting module 160 Consulting information to ask the user to dispose of (eg, sell) a portion of the stock may be generated and provided to the user. The consulting information may simply provide information on margin conditions as described in FIGS. 10 to 11, but if you want to actively sell some stocks before the judgment reference date (tr), then re-require them after the judgment reference date (tr). It may also include information to buy.

Accordingly, when the user disposes of a part of the stock at a predetermined time point t1 before the determination reference date tr, the value of the stock held by the user and/or a related person decreases as shown in FIG. 14. Then, on the judgment reference date (tr), the value of the stock held by the user and/or specially related person (Vr) is lower than the judgment reference condition. Then, the user does not correspond to a specific position, and if the user repurchases as much as the stocks sold at a predetermined time point t2, the amount of the original holdings is secured again. At this time, the price to be repurchased may be higher than the selling price of some sellers before the judgment base date (tr). If you buy again, it is more likely that it will benefit users rather than correspond to a specific position. Moreover, if the purchase price at the point of repurchase is lower than the selling price of some sellers, the breadth of profits can be even greater.

Subsequently, if the user sells at a predetermined selling point (t3), the user does not have a specific position, so there is an effect that the user does not receive a penalty according to the specific position.

On the other hand, unlike FIGS. 13 and 14, the computing system 100 currently applies when a user who is already in a specific position wants to dispose of stocks, especially in the case of a user who falls under a specific position including the stocks held by a specially related person. Consultation on stock disposal strategies.

An example of this will be described with reference to FIG. 15.

As shown in FIG. 15, it can be assumed that a user and a specially related person each hold a specific stock. For example, the value of the user's shares may be V1, the value of the spouse's shares may be V2, the value of the shares held by the direct subordinates 1 may be V3, the values of the shares held by the direct subordinates 2 may be V4, and the value of the shares held by the direct subordinates 3 may be V5 .

In addition, whether or not a specific position is applicable on a user basis can be determined by the sum of the values of the shares held by the user and a specially related person, and therefore, when determining whether or not a specific status is applicable on a user basis, the value of the stocks held by the related person can be summed up.

In this case, V1+V2+V3+V4+V5 based on the user may be more than the criteria for determining a specific status (for example, 1.5 billion), and it can be assumed that the criteria for the user already corresponded to the specific status on the basis of the previous year. In this case, if the user intends to sell some or all of his or her own stock, the user is in a specific position and thus receives a penalty (eg, tax on capital gains) according to the specific position.

However, on the basis of lineal subordinates (eg, lineal subordinates 1), only the employer and spouse may include specially related persons, and siblings may not be included. In this case, when determining whether or not a person falls under a specific position on the basis of direct subordinate 1, only the holding value of the direct subordinate 1 (V3) and the holding values of the direct subordinates 1 (user and spouse) (V1 + V2) should be added together. In this case, direct line 1 may not correspond to a specific position.

That is, as shown in FIG. 15, the user corresponds to a specific position based on the determination reference date of the previous year, but each of the immediate subordinates may not correspond to the specific position.

In this case, the consulting module 160 may generate and provide consulting information for first disposing of stocks under direct line expenses to the user.

For example, in the situation as shown in Fig. 15, it is assumed that the user's stock is 700 million, the spouse has 400 million, and each of the direct descendants has a specific stock of 300 million as of the standard date of determination in 2018 (the last transaction date). I can. In addition, it is assumed that the value of stocks is unchanged and that the stocks held by the user and related persons can be disposed of under the control of the user.

In this case, the employer and the spouse each fall under a specific position as of the standard date of determination in 2018, and the individual under the direct line does not fall under the specific position. This is because, although specially related persons include direct existence and spouse, sibling relationship may not be included.

In this case, if the user intends to dispose of 600 million shares around December 2019 (before the judgment base date), if the user disposes of 600 million of the 700 million shares held by the user, the user is in a specific position and will be disadvantaged at the time of disposal. However, if you first dispose of 600 million of the stocks held by the direct subordinates, the direct subordinates may not be penalized because they do not fall under a specific position. In addition, when the judgment base date in 2019 came, 600 million of the 2 billion were disposed of, so the sum of the shares held by the related person on a user basis would be 1.4 billion, and in this case, the user will no longer fall under a specific position.

After all, even if the user corresponds to a specific position, if the user corresponds to a specific position by summing up the stocks held by a specially related person instead of the user alone, the status determination module 120 corresponds to a specific position. Whether or not you can further judge.

In addition, even if the user corresponds to a specific position, if there is a person who does not correspond to a specific position among the user's specially related persons, the consulting module 160 generates consulting information that allows the user to dispose of the shares held by the related person first, and By providing it to the user, it has the effect of enabling stock disposal to be advantageous to the user.

16 is a diagram for explaining an example in which consulting information can be provided in advance before stock trading according to the technical idea of the present invention.

Referring to FIG. 16, as described above, the confirmation module 170 of the computing system 100 may specify expected selling transaction information. For example, the confirmation module 170 may receive an input of the expected selling quantity, the expected selling point, and/or the expected selling price from the user by using the UIs 11, 11-1, and 12 shown in FIG. 16. If no information is input to the expected selling point UI 11-1, the expected selling point may be determined immediately.

In addition, the confirmation module 170 may specify a method of selecting a delivery order as described above. It is as described above that the delivery order selection method itself may be consulting information, and in any case, the confirmation module 170 is a delivery order selection method recommended through the consulting module 160 or a predetermined delivery order selection method or Any one of the delivery order selection methods arbitrarily selected by the user may be specified as a delivery order selection method to be applied to the expected selling transaction.

Then, the consulting module 160 may generate and provide the expected capital gains tax as consulting information to the user as shown in the UI 20. As described above, in order to calculate the expected capital gains tax, the specific module 180 must specify the acquisition information for each expected selling quantity, and for this purpose, the warehousing transaction corresponding to each partial quantity included in the expected selling quantity should be specified. same.

In addition, since the transfer income tax may vary based on the holding period or the transfer difference based on the standard holding period or the standard transfer difference, the acquisition information for each expected selling quantity may vary depending on the shipping order selection method, and the expected selling quantity according to the shipping order selection method. It goes without saying that the holding period and the transfer amount may vary.

In this way, as shown in FIG. 16, recommendation information that recommends changing the expected selling point or the expected selling quantity is provided as consulting information in order to specify the holding period and the transfer difference for each expected sell quantity and use this to reduce the expected transfer income tax. You can also provide.

For example, FIG. 17 shows an example of a list of transaction details for explaining consulting information according to the technical idea of the present invention. Assuming that the predicted selling point is 12.15, 2018, the consulting module 160 is the predicted selling point. Assuming that the quantity is 10,000 shares and the delivery order selection method is the first method, that is, first-in, first-out method, the fourth purchase transaction (2017.12.20. purchase, 2000 shares) and the fifth purchase transaction (2018.01.15.) Since is not the standard holding period (eg, 1 year), a high tax rate (eg, 30%) may be applied. In this case, the consulting module 160 generates consulting information to sell the quantity corresponding to less than the standard holding period, that is, 3000 shares (the sum of the trading volume of the 4th purchase transaction and the 5th purchase transaction) on or after January 15, 2019. Can be provided. Depending on the implementation example, it is possible to provide consulting information for each expected capital gains tax in the case of such change or not. Depending on the implementation, recommendation information for simply reducing the estimated selling quantity by 3000 weeks may be provided as consulting information. Of course, depending on the embodiment, recommendation information that recommends that the holding period exceeds the standard holding period only until the fourth purchase transaction (e.g., recommendation information to sell some quantities (2000 shares or 3000 shares) after December 20, 2018) is provided. You can also provide.

In addition, consulting information according to the standard transfer amount may be provided based on the transaction details as shown in FIG. 17. For example, if the delivery order selection method is the first method, the transfer difference between the quantity (e.g., 9000 shares) up to the fourth purchase transaction is less than the standard transfer difference, and when the fifth purchase transaction is included, the transfer difference is the reference transfer difference. May exceed. In this case, the quantity (e.g., 1000 shares) corresponding to the 5th purchase transaction is provided as consulting information to recommend to sell in the next taxable period (e.g., after January 1, 2019), or simply sell the quantity from 10,000 shares. It is also possible to provide recommendation information of 1000 weeks as consulting information. Likewise, if the delivery order selection method is the second method, the transfer difference may be less than the standard transfer difference, excluding 900 shares out of the 2,000 shares by the first purchase transaction. In this case, recommending information to sell 900 shares in the next taxable period (e.g., after January 1, 2019) is provided as consulting information, or simply recommending information to reduce the selling quantity from 10,000 shares to 900 shares as consulting information. You may.

As described above, according to the technical idea of the present invention, when a user performs a desired sale transaction before an actual sale transaction, the expected capital gains tax expected is provided as consulting information, or recommendation information for reducing the expected capital gains tax is provided as consulting information. There is an effect that can provide very large economic benefits to users.

In addition, as described above, according to the technical idea of the present invention, a technical idea of consulting so as to significantly reduce capital gains tax by actively utilizing the transfer loss is provided. An example of this will be described with reference to FIGS. 18 and 19.

18 is a diagram for explaining the concept of a selling strategy using lost stocks according to the technical idea of the present invention. In addition, FIG. 19 is a diagram showing an example of consulting information using lost stocks according to the technical idea of the present invention.

First, referring to FIG. 18, the computing system 100 may provide, as consulting information, a method for reducing capital gains using lost stocks before or after the user has already sold a predetermined target stock.

For example, as illustrated in FIG. 18, other stock items (eg, stock 1, stock 2, stock 3, and 4) held by the user may exist in addition to the target stock.

The other stock items may include listed stocks, unlisted stocks, stocks corresponding to a user's specific position, and stocks that are not. In addition, in some cases, it may exist in a different account or in another brokerage account.

The computing system 100 may identify lost stocks based on information on these other stocks, even if a predetermined target stock is sold or even before the sale, and may specify all or part of the lost stocks as target loss stocks. .

For example, among other stocks, Stock 1, Stock 2, and Stock 4 may be lost stocks.

Then, the computing system 100 may specify all or part of the lost stocks as target loss stocks, that is, the stocks for which the transfer loss is to be determined. As described above, the specification of the target loss stock may be selected by the user or the computing system 100 may recommend it.

For example, only stock 1 can be specified as a target loss stock. In addition, the stock 1 may be a listed stock and a stock that does not correspond to a user's specific position. When the item 1 has such a taxation characteristic, the computing system 100 sells the item 1 within the same taxable period as the sale date or expected sale point of the target stock, as shown in FIG. May be provided to the user as consulting information 21.

If stock 2 is specified as a target loss stock and stock 2 is an unlisted stock, the computing system 100 may provide information to sell item 2 off-the-shelf to the user as consulting information.

If item 4 is a listed stock and the user corresponds to a specific position, the computing system 100 may provide information to sell the item 4 in the market as consulting information to the user.

Meanwhile, the computing system 100 may provide information on the capital gains tax that is specifically reduced as consulting information.

In this case, as illustrated in FIG. 19, the computing system 100 may obtain information on the expected selling transaction of the target loss stock through predetermined UIs (eg, 14 to 16).

Then, based on the acquisition information for each expected selling quantity included in the expected selling transaction information of the target loss stock, the computing system 100 specifies the acquisition information for each expected selling quantity, and the acquisition information for each specified expected selling quantity (for example, On the basis of the acquisition price) and the expected selling price, the transfer loss for each expected selling quantity can be calculated. In addition, it is possible to calculate the expected transfer loss for the entire projected quantity sold based on the transfer loss for each expected quantity sold.

Then, the computing system 100 may provide information on the reduced capital gains tax (or savings) to the user as consulting information by deducting the calculated expected transfer loss from the transfer income (or expected transfer income) of the target stock.

After all, according to the technical idea of the present invention, consulting information that can reduce capital gains tax to a greater extent by actively utilizing lost stocks, as well as simply adjusting the selling point or the quantity to be sold for the target stocks the user wants to sell is provided. There is an effect that can be provided, and in fact, from the user's point of view, since the holding stock portfolio can be maintained as desired by repurchasing after selling the lost stock, there is an effect that can have a very large tax saving effect.

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 include nonvolatile memory such as one or more magnetic disk storage devices, flash memory devices, or other nonvolatile solid state memory devices. Access to memory by processors and other components can be controlled by a memory controller. Here, when the program is executed by a processor, it may cause the computing system 100 according to the present embodiment to perform the aforementioned method of providing consulting information.

Meanwhile, the above-described consulting information providing method according to an embodiment of the present invention may be implemented in a computer-readable program command form and stored in a computer-readable recording medium, and a control program and a control program according to an embodiment of the present invention The target program may also be stored in a computer-readable recording medium. The computer-readable recording medium includes all types of recording devices storing data that can be read by a computer system.

The program instructions recorded on the recording medium may be specially designed and configured for the present invention, or may be known and usable to those skilled in the software field.

Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and floptical disks. Hardware devices specially configured to store and execute program instructions such as magneto-optical media and ROM, RAM, flash memory, etc. are included. In addition, the computer-readable recording medium is distributed over a computer system connected through a network, so that computer-readable codes can be stored and executed in a distributed manner.

Examples of the program instructions include not only machine language codes such as those produced by a compiler, but also a device that processes information electronically using an interpreter, for example, high-level language codes that can be executed by a computer.

The above-described hardware device 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 illustrative purposes only, and those of ordinary skill in the art to which the present invention pertains will be able to 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 and non-limiting in all respects. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as being distributed may also be implemented in a combined form.

The scope of the present invention is indicated by the claims to be described later rather than the detailed description, and all changes or modified forms derived from the meaning and scope of the claims and their equivalent concepts should be construed as being included in the scope of the present invention. .

Claims (15)

A step of specifying, by a computing system, information on at least one target loss stocks from among the lossy stocks of the user in order to reduce capital gains tax according to the sale of the target stocks in profit held by the user;
Determining, by the computing system, a taxation characteristic of the target loss stock;
And providing, by the computing system, consulting information including a selling strategy of the target lost stock for adaptively reducing the capital gains tax on the target stock according to the determined taxation characteristic.
The method of claim 1, wherein the computing system adaptively provides consulting information including a selling strategy of the target lost stock to reduce the capital gains tax on the target stock according to the determined taxation characteristic,
And calculating, by the computing system, information on the reduced capital gains tax reflecting the transfer loss when the selling strategy of the target loss stock is performed, and including it in the consulting information.
The method of claim 2, wherein the consulting information providing method,
In order for the computing system to specify the amount of loss of the target lost stock, the method of selecting the delivery order corresponding to the account of the target lost stock and the expected selling transaction information of the target lost stock-The expected selling transaction information is the estimated selling point and the expected selling quantity. , Or including the expected selling price,
Computing, by the computing system, information on the reduced capital gains tax reflecting the expected transfer loss when the target loss stock selling strategy is performed, and including it in the consulting information,
The computing system specifies the acquisition information for each expected selling quantity based on the specified delivery order selection method, calculates the expected transfer loss for each expected selling quantity based on the acquisition information for the specified expected selling quantity, and calculated expected selling Consulting information providing method comprising the step of calculating the expected transfer loss based on the expected transfer loss for each quantity.
The method of claim 1, wherein the step of specifying information on the target stocks being lost by the user in order to reduce the capital gains tax due to the sale of the target stocks in profit held by the user,
And when there are a plurality of lost stocks included in the user's account and being lost, recommending lost stocks having the same tax characteristics as the target stocks as the target loss stocks.
The method of claim 1, wherein the computing system adaptively provides consulting information including a selling strategy of the target stock to reduce capital gains tax on the target stock according to the determined taxation characteristic,
Consulting including the step of generating the selling strategy including information recommending over-the-counter selling of the target loss stock when the taxable characteristic of the target loss stock is a listed stock and the user does not correspond to a specific position. How to provide information.
The method of claim 1, wherein the computing system adaptively provides consulting information including a selling strategy of the target stock to reduce capital gains tax on the target stock according to the determined taxation characteristic,
Generating the selling strategy including information recommending that the target loss stock be sold on the market when the target loss stock is a listed stock and the user corresponds to a specific position; or
In the case of the unlisted stock of the target loss stock, the consulting information providing method comprising the step of generating the selling strategy including information recommending over-the-counter selling of the target loss stock.
In order to reduce the capital gains tax due to the sale of the target stocks in profit held by the user, the computing system estimates the sale transaction information of the target loss stocks selected from the lossy stocks of the user-The estimated sale transaction information is the estimated selling point and the forecast. Specifying a selling quantity or an expected selling price;
Calculating, by the computing system, an expected transfer loss when the target loss stock is sold to correspond to the expected selling transaction information; And
And calculating, by the computing system, information on the reduced capital gains tax reflecting the calculated estimated transfer loss and providing consulting information.
A computer-readable recording medium on which a program for performing the method according to any one of claims 1 to 7 is recorded.
As a computing system,
Processor;
Includes memory that stores programs,
The computer program, when executed by the processor, causes the computing system to perform the method according to any one of claims 1 to 7.
A confirmation module for determining information on at least one target loss stock and taxation characteristics of the target loss stock in order to reduce capital gains tax according to the sale of the target stock held by the user; And
A computing system comprising a consulting module for adaptively providing consulting information including a selling strategy of the target stock to reduce the capital gains tax on the target stock according to the determined taxation characteristics.
The method of claim 10, wherein the consulting module,
A computing system that calculates information on the reduced capital gains tax reflecting the transfer loss when the target loss stock is sold, and includes it in the consulting information.
The method of claim 11, wherein the confirmation module,
In order to specify the amount of loss of the target loss stock, the method of selecting the delivery order corresponding to the account of the target loss stock and the expected sale transaction information of the target loss stock-The expected sale transaction information is the expected selling point, the expected selling quantity, or the expected selling. Specify-including the unit price,
The computing system further includes a specific module for specifying the acquisition information for each expected selling quantity based on the specified delivery order selection method,
The consulting module is a computing system that calculates the expected transfer loss for each expected selling quantity based on the specified acquisition information for each expected selling quantity, and calculating the expected transfer loss based on the calculated expected transfer loss for each expected selling quantity.
The method of claim 10, wherein the confirmation module,
When there are a plurality of lost stocks included in the user's account and being lost, a computing system for recommending lost stocks having the same tax characteristics as the target stocks as the target loss stocks.
The method of claim 10, wherein the consulting module,
When the taxable characteristic of the target loss stock is a listed stock and the user does not correspond to a specific position, a computing system for generating the selling strategy including information recommending that the target loss stock be sold over the counter.
In order to reduce capital gains tax due to the sale of the target stocks in profit held by the user, the expected selling transaction information of the target loss stocks selected from among the lost stocks in the loss of the user-The estimated selling transaction information is the expected selling point, the expected selling quantity, or A confirmation module for specifying-including the expected selling price;
A specific module for specifying acquisition information for each expected selling quantity when the target lost stock is sold to correspond to the expected selling transaction information; And
A computing system including a consulting module for providing consulting information by calculating information on the reduced capital gains tax reflecting the estimated transfer loss calculated based on the calculated acquisition information for each estimated selling quantity.

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