KR20210015296A - Device and method of processing stock trading orders - Google Patents

Abstract

A described embodiment relates to an apparatus and a method for more quickly and stably processing a stock trading order of a stock investor. The stock trading order processing method comprises the steps of: receiving, from a terminal of a first user, a first purchase order for a first stock of a value greater than the amount of deposit held in a securities account of a first user; transferring a first loan amount, equal to or greater than the difference between the value of the first stock and the amount of the deposit, from a brokerage company account to the securities account of the first user; transmitting a first buy order to an exchange server and monitoring whether or not the first buy order is concluded; and transmitting a request for transferring money including money corresponding to the first loan from a credit company account to the securities company account to a credit company server according to whether or not the first purchase order is concluded.

Description

Stock trading order processing device and method {DEVICE AND METHOD OF PROCESSING STOCK TRADING ORDERS}

The disclosed embodiments relate to an apparatus and method capable of processing stock trading orders of stock investors more quickly and reliably.

Stock investors can trade stocks on the stock market. Stock investors can open a stock account at a securities company. Stock investors can increase the amount of deposits held in the securities account by depositing cash in the opened securities account. Stock investors can place a buy order for a specific stock using deposits held in a stock account.

If a stock investor wants to place a buy order for stocks of a value that is greater than the amount of deposits held in his or her stock account, the stock investor can borrow the funds needed for the investment from a lender. Stock investors can use the loan to place a buy order for the stock they want.

With the development of communication technology and miniaturization of electronic devices, personal terminals are widely spreading to stock investors. In addition to desktop computers or laptop computers, portable personal terminals such as smart phones or tablets are widely used in recent years. The terminal may perform a communication function. Stock investors can use the services provided by financial institutions by using the communication function of the terminal.

Stock investors can place trading orders for stocks using HTS (Home Trading System), WTS (Web Trading System), or MTS (Mobile Trading System) provided by securities companies. In addition, the stock investor may use a phone banking service, an internet banking service, or a mobile banking service provided by a financial institution to make a remittance, request a loan, or repay a loan.

According to the disclosed embodiment, a stock transaction order processing apparatus and method capable of processing a stock investor's purchase order for stock more quickly and reliably may be provided.

In addition, there may be provided a stock transaction order processing apparatus and method capable of automatically processing a purchase order for stocks of a larger value than the amount of deposits held in a stock investor's stock account.

In addition, a stock transaction order processing apparatus and method capable of reducing the number of transactions with a credit company account that occur in the process of receiving a loan by a stock investor may be provided.

In addition, a stock transaction order processing apparatus and method capable of reducing the time taken in the process of obtaining a loan by a stock investor may be provided.

The stock transaction order processing method according to the embodiment includes the steps of receiving a first purchase order for a first stock of a value greater than the amount of deposits held in the stock account of the first user from a terminal of the first user, the Transferring a first loan equal to or greater than the difference between the value of the first stock and the amount of the deposit from a securities company account to the stock account of the first user, sending the first purchase order to an exchange server, and placing the first purchase order Monitoring whether the first purchase order has been concluded, and transmitting a request for transfer of money including money corresponding to the first loan from the credit company account to the securities company account to the credit company server according to whether or not the first purchase order is concluded. It may include steps.

In addition, the stock transaction order processing method, prior to the step of transmitting the request for the transfer, places a second purchase order for the second stock of a value greater than the amount of the remaining deposit held in the stock account. Receiving from the user's terminal, transferring a second loan equal to or greater than the difference between the value of the second stock and the amount of the remaining deposit from the securities company account to the securities account, and the second purchase order to the exchange server And monitoring whether or not the second purchase order is executed, and transmitting the request for the transfer includes the first purchase order and the second purchase order according to whether the first purchase order and the second purchase order are executed. It may include transmitting a request for transfer of money corresponding to the sum of the loan amount and the second loan amount.

In addition, the stock transaction order processing method, prior to the step of transmitting the request for the transfer, places an additional purchase order for stocks with a value greater than the amount of the remaining deposits held in the stock account at the terminal of the first user. Receiving from, transferring an additional loan from the securities company account to the stock account in response to the additional purchase order, transmitting the additional purchase order to the exchange server, and monitoring whether the additional purchase order is executed , And repeating the step of receiving the additional purchase order to monitoring whether or not the additional purchase order is executed at least one or more times, and transmitting the request for the transfer, the first purchase order And transmitting a request for transfer of money corresponding to the first loan and all the additional loans according to whether the order and all the additional purchase orders are executed.

In addition, the stock transaction order processing method, prior to the step of transmitting the request for transfer, from the terminal of the second user to the third stock of a value greater than the amount of the deposit held in the securities account of the second user. Receiving a third purchase order for, transferring a third loan equal to or greater than the difference between the value of the third stock and the amount of deposit of the second user from the account of the securities company to the stock account of the second user, and Further comprising the step of transmitting the third purchase order to the exchange server and monitoring whether or not the third purchase order has been executed, and transmitting the request for the transfer includes the first purchase order and the third purchase order It may include transmitting a request for transfer of money corresponding to the sum of the first loan and the third loan according to whether the order is executed.

In addition, the stock transaction order processing method, prior to the step of transmitting the request for the transfer, a value greater than the amount of deposits held in the securities account of the other user from the terminal of the first user and the different user. Receiving an additional purchase order for stocks, transferring an additional loan from the securities company account to the securities account of the other user in response to the additional purchase order, transmitting the additional purchase order to the exchange server, and the addition Monitoring whether a purchase order is executed, and repeating the step of receiving the additional purchase order to monitoring whether the additional purchase order is executed at least one or more times, and requesting the transfer The transmitting may include transmitting a request for transfer of money corresponding to the first loan and all the additional loans according to whether the first purchase order and all the additional purchase orders are executed.

In addition, the stock transaction order processing method, prior to the step of transmitting the request for the transfer, is greater than the amount of the remaining deposits held in the stock account of the single user from the terminal of one user included in the entire user set. Receiving a fourth purchase order for a large fourth stock, transferring a fourth loan from the securities company account to the securities account of the one user in response to the fourth purchase order, and the exchange server Transmitting the fourth purchase order to and monitoring whether or not the fourth purchase order is executed, and transmitting the request for the transfer comprises: execution of the first purchase order and the fourth purchase order Depending on whether or not, it may include transmitting a request for transfer of money corresponding to the sum of the first loan and the fourth loan.

In addition, the stock transaction order processing method, prior to the step of transmitting the request for the transfer, is greater than the amount of the remaining deposits held in the stock account of the single user from the terminal of one user included in the entire user set. Receiving an additional purchase order for stocks of a large value, transferring an additional loan from the securities company account to the stock account of the one user in response to the additional purchase order, placing the additional purchase order on the exchange server Transmitting and monitoring the execution of the additional purchase order, and the step of repeating the step of receiving the additional purchase order to monitoring the execution of the additional purchase order at least one or more times, the transfer Transmitting a request for, may include transmitting a request for transfer of money corresponding to the first loan and all the additional loans according to whether the first purchase order and all the additional purchase orders are executed. I can.

In addition, the step of transmitting the request for the transfer may include, if the market is terminated before the first purchase order is completely concluded, or at least a part of the first purchase order is canceled, the first user's stock account In the step of transferring the first redemption money, which is a part of the first loan that corresponds to the portion of the first purchase order that has not been concluded, if the market ends before all the additional purchase orders are concluded, or at least part of the additional purchase order In the case of cancellation, transferring an additional redemption amount corresponding to a portion of the additional purchase order that has not been concluded among the additional loans from the securities account of the one user, and the first loan, the first redemption amount , Transmitting a request for transfer of money corresponding to the balance after all the additional loans and all the additional repayments have been offset.

In addition, the step of transmitting the request for the transfer may include, if the market is terminated before the first purchase order is entirely concluded or at least a part of the first purchase order is canceled, the first purchase order is canceled from the stock account to the securities company account. Transferring the first redemption money, which is a part of the loan that corresponds to the unsigned part of the first purchase order, and transmitting a request for transfer of money corresponding to the balance excluding the first redemption amount from the first loan It may include the step of.

In addition, calculating the amount of interest on the balance after a certain point in time, calculating the amount of the remaining principal and interest based on the amount of the balance and the calculated amount of interest, and the amount of the remaining deposit in the securities account is zero. If greater, repayment of a smaller amount of the remaining principal or deposit amount from the securities account to the credit company account, based on interest on the portion of the remaining principal and interest that has not yet been repaid. It may include repeating the steps of updating the amount of the remaining principal and interest, periodically repaying the creditor account until all of the remaining principal and interest is repaid, and updating the amount of the remaining principal and interest.

In addition, the step of transferring the first loan to the securities account may include the creditworthiness of the first user, the asset situation of the first user, the amount of the deposit, the state of a stock corresponding to the first stock, or the stock Calculating the amount of the first loan by using at least one of the trading volumes of, and transferring the calculated amount of the first loan from the securities company account to the securities account of the first user. .

In addition, if the amount of the remaining deposit in the securities account after a certain point in the day is greater than 0, the amount of the portion that has not yet been repaid among all loans transferred to the securities account or the amount of the remaining deposit amount, whichever is less, Repaying the securities account from the securities account, transferring money equal to the amount of the redemption amount from the securities company account to the credit company account, and when all loans transferred to the securities account are repaid It may include the step of repeating the step of periodically repaying and transferring the money to the credit company account.

In addition, if the amount of the remaining deposit in the securities account after a certain point in the day is greater than 0, the amount of the portion that has not yet been repaid among all loans transferred to the securities account or the amount of the remaining deposit amount, whichever is less, Repaying from the stock account to the credit company account, and periodically repeating the repayment until all loans transferred to the stock account are repaid.

In another embodiment, a stock transaction order processing method receives a purchase order for stocks of a value greater than the amount of the remaining deposits held in the stock account of the random user from a terminal of a user included in the entire user set. The step of, transferring a loan amount equal to or greater than the difference between the value of the stock and the amount of the remaining deposit from a securities company account to a stock account of the arbitrary user, transmitting the purchase order to an exchange server, and determining whether to execute the purchase order The step of monitoring, repeating the step of receiving the buy order to monitoring whether the buy order is executed or not, at least one or more times, for each of the securities accounts to which the loan is transferred, the securities after a specific point in time When the amount of the remaining deposits in the account is greater than 0, transferring the redemption money from the securities account to the brokerage account, comparing the first total amount of all transferred loans and the second total amount of all transferred payments, the As a result of the comparison, if the first total amount is larger than the second total amount, a request for transfer of money equal to the difference between the first total amount and the second total amount from the credit company account to the securities company account is sent to the credit company server. And, as a result of the comparison, if the second total amount is greater than the first total amount, transfer money equal to the difference between the second total amount and the first total amount from the securities company account to the credit company account It may include the step of.

In addition, the step of transferring the redemption money includes transferring the redemption amount as much as the smaller of the amount of all loans transferred to the securities account or the amount of deposits remaining in the securities account from the securities account to the securities company account. can do.

In addition, the stock transaction order processing method, prior to the step of transferring the repayment amount, for each of the securities accounts to which the loan has been transferred, interest on the portion that has not yet been repaid among all the loans transferred to the securities account. The step of calculating the amount of the remaining principal and interest for the securities account based on the basis, and the step of transferring the repayment may include, for each of the securities accounts to which the loan is transferred, the securities accounts after the specific time point. If the amount of the remaining deposit amount of is greater than 0, transferring a redemption amount equal to the smaller of the remaining principal amount for the securities account or the amount of the remaining deposit amount in the securities account from the securities account to the securities company account. .

A method for processing a stock transaction order according to another embodiment includes the steps of receiving a purchase order for a stock value greater than the amount of deposits held in the user's stock account from the user's terminal, the value of the stock and the deposit Transferring the loan amount equal to or greater than the difference between the amounts of the securities company account to the user's stock account, transmitting the purchase order to an exchange server and monitoring whether the purchase order is executed, and whether the purchase order is executed or not It may include transferring money including money corresponding to the loan amount from the credit company account to the securities company account.

The stock transaction order processing apparatus according to the embodiment includes a memory storing at least one command, and by executing the at least one command, the amount of deposits held in the stock account of the first user from the terminal of the first user. Receiving a first purchase order for a first stock of a larger value, and transferring a first loan equal to or greater than the difference between the value of the first stock and the amount of the deposit from a securities company account to the securities account of the first user, Money corresponding to the first loan from the credit company account to the securities company account according to whether the first purchase order is executed by transmitting the first purchase order to an exchange server, and monitoring whether the first purchase order is concluded. It may include a processor that transmits a request for transfer of money including a to the creditor server.

According to the described embodiment, a stock investor's buy order for stock can be processed more quickly and stably.

In addition, according to an embodiment, a purchase order for stocks with a value greater than the amount of deposits held in the stock investor's stock account may be automatically processed.

In addition, according to the embodiment, the number of transactions with a creditor account that occurs in the process of receiving a loan by a stock investor may be reduced.

In addition, according to the embodiment, the time required for a stock investor to receive a loan may be reduced.

1 is a network configuration diagram illustrating an environment in which a stock transaction order processing apparatus according to an embodiment operates.
2 is a block diagram showing the configuration of a stock transaction order processing apparatus according to an embodiment.
3 is a network configuration diagram illustrating an environment in which a stock transaction order processing apparatus according to another exemplary embodiment operates.
4 is a flowchart illustrating a process of performing a stock transaction order processing method according to an embodiment.
5 is a flow chart showing a process in which a step of transferring a loan from a securities company account to a user's securities account according to an embodiment is performed.
6 is a flowchart illustrating a process in which a step of performing settlement of money is performed depending on whether a purchase order is concluded according to an embodiment.

The technical idea of the invention may be made clearer by referring to the embodiments to be described later or the accompanying drawings. Embodiments to be described later may be helpful for those of ordinary skill in the art to more easily understand the technical idea of the invention. The invention is not limited to the form in the embodiments to be described later, and may be implemented or implemented in at least one form from among various forms including the technical idea of the invention.

In the description of one embodiment, the same reference numerals may refer to the same components. When reference numerals used in the description of one embodiment and the reference numerals used in the description of another embodiment are the same, the components indicated by the reference numerals may be the same or different from each other.

An ordinal number such as "first" or "second" may be included in the name of the component in order to distinguish different components of the same name. The ordinal numbers included in the names of the constituent elements may be given in an arbitrary order, and may be given in the same order or different order in the description of each embodiment. In addition, in the description of other embodiments, the ordinal number may not be included in the names of the corresponding constituent elements, or the rest of the names of the two constituent elements corresponding to each other except for the ordinal number may not be the same. In addition, in the description of other embodiments, corresponding components may not be mentioned. Therefore, a component having a name including an ordinal number in one embodiment corresponds to a component of the same ordinal number, a component of a different ordinal number, or a component of a different name in another embodiment, or may not correspond to any component. I can.

The terms used in the description of the embodiments or the claims may be selected only in order to allow those of ordinary skill in the art to more easily understand the technical idea of the invention. Therefore, the term may need to be interpreted rationally based on the overall content rather than limitedly interpreted only with the dictionary meaning of the term. In addition, the scope of the invention may need to be reasonably specified based on the overall content rather than limitedly specified based on the limited interpretation of the term.

The terms of the singular form used in the description of the embodiments or the claims may need to be interpreted as being able to be understood in either the singular form or the plural form unless there is a contradiction in the context of mention or interpretation to the contrary. In addition, the terms of the plural form used in the description of the embodiments or the claims may need to be interpreted as being able to be understood in either the singular form or the plural form, unless there is a contradiction in particular contradictory mention or interpretation. have.

In the description of the embodiments or the claims, the verb "comprise" (comprise, include, or contain, etc.), its conjugated form, or a derivative thereof may be used with respect to the component. The verb or the like may imply that there is a possibility that other components other than the above components may exist. Therefore, when the above verbs are used in the description of the embodiment or in the claims, the description of the embodiment or the scope of the claims are other than the above components, unless there is a contradictory situation in particular contradictory mention or interpretation. It may need to be interpreted that there are more elements or other elements no longer exist or can be understood in either direction.

Hereinafter, a stock transaction order processing apparatus 100 and a stock transaction order processing method according to an embodiment will be described in detail with reference to FIGS. 1 to 6.

1 is a network configuration diagram illustrating an environment in which a stock transaction order processing apparatus 100 according to an embodiment operates. Referring to FIG. 1, an environment in which the stock transaction order processing apparatus 100 operates is a stock transaction order processing apparatus 100, at least one terminal 200, 210 connected to the stock transaction order processing apparatus 100, and the An exchange server 300 connected to the stock transaction order processing device 100, and a credit company server 400 connected to the stock transaction order processing device 100 may be included. In FIG. 1, two terminals including a first terminal 200 and a second terminal 210 are shown, but the environment in which the stock transaction order processing apparatus 100 operates includes only one terminal or three or more terminals. Can include.

The first terminal 200 may be a computer. The first terminal 200 may be, for example, a workstation, a server computer, a desktop computer, a laptop computer, a smartphone, a tablet, a smart watch, a wearable device, a mobile phone, or a portable electronic device.

The first terminal 200 may be connected to a communication network. The first terminal 200 may be connected to other external devices through the communication network. The first terminal 200 may transmit data to or receive data from other devices connected to each other. The first terminal 200 may be connected to the stock transaction order processing apparatus 100. The first terminal 200 may send or receive data from each other through the stock transaction order processing apparatus 100 and a communication network.

The communication network connected to the first terminal 200 may include a wired communication network, a wireless communication network, or a complex communication network. The communication network may include a mobile communication network such as 3G, LTE, LTE-A, or 5G. The communication network may include a wired or wireless communication network such as Wi-Fi, Universal Mobile Telecommunications System (UMTS), General Packet Radio Service (GPRS), or Ethernet. Communication networks include Magnetic Secure Transmission (MST), Radio Frequency Identification (RFID), Near Field Communication (NFC), ZigBee, Z-Wave, Bluetooth, and Bluetooth Low Energy (BLE). Or, it may include a local area communication network such as infrared communication (IR, InfraRed communication). The communication network may include a local area network (LAN), a metropolitan area network (MAN), or a wide area network (WAN).

The first terminal 200 may execute a program or application. The user of the first terminal 200 is a stock investor, and the first terminal 200 can run a Home Trading System (HTS), a Web Trading System (WTS), or a Mobile Trading System (MTS) application. A user of the first terminal 200 may input a transaction order for stocks using the application executed by the first terminal 200. For example, the user of the first terminal 200 may input a buy order or a sell order for a specific stock. The first terminal 200 may transmit the input transaction order to the stock transaction order processing apparatus 100 in response to the input.

The second terminal 210 may be the same type of terminal as the first terminal 200 or a different type of terminal. The second terminal 210 may be connected to the stock transaction order processing apparatus 100. The second terminal 210 may send or receive data from each other through the stock transaction order processing apparatus 100 and a communication network. The second terminal 210 may execute a program or application. A user of the second terminal 210 may input a transaction order for stock using an application executed by the second terminal 210. The second terminal 210 may transmit the input transaction order to the stock transaction order processing apparatus 100 in response to the input.

The stock transaction order processing apparatus 100 may be a computer. The stock transaction order processing apparatus 100 may be, for example, a workstation, a server computer, a desktop computer, a laptop computer, a smartphone, or a tablet. The stock transaction order processing apparatus 100 may execute a program or application.

The stock transaction order processing apparatus 100 may be connected to a communication network. The stock transaction order processing apparatus 100 may be connected to at least one terminal 200 and 210 through a communication network. When the stock transaction order processing apparatus 100 is connected to each other with the first terminal 200, the stock transaction order processing apparatus 100 may give or receive data to or from the first terminal 200 through a communication network. When the stock transaction order processing apparatus 100 is connected to the second terminal 210, the stock transaction order processing apparatus 100 may give or receive data from each other through the second terminal 210 and a communication network.

The stock transaction order processing apparatus 100 may serve as a server in relation to the terminals 200 and 210. In other words, the terminals 200 and 210 may perform a role of a client in a relationship with the stock transaction order processing apparatus 100.

The stock transaction order processing apparatus 100 may receive data from the first terminal 200. The stock transaction order processing apparatus 100 may perform an operation using data received from the first terminal 200. The stock transaction order processing apparatus 100 may transmit the calculation result to the first terminal 200 or the second terminal 210. For example, the stock transaction order processing apparatus 100 may receive a transaction order for stock from the first terminal 200. The stock transaction order processing apparatus 100 may process a transaction order received from the first terminal 200. The stock transaction order processing apparatus 100 may transmit the processing result to the first terminal 200 or the second terminal 210.

The stock transaction order processing apparatus 100 may perform the role of a client in a relationship with the exchange server 300 or the creditor server 400. In other words, the exchange server 300 or the creditor server 400 may serve as a server in a relationship with the stock transaction order processing apparatus 100.

The stock transaction order processing apparatus 100 may transmit data to the exchange server 300 or the creditor server 400. The stock transaction order processing apparatus 100 may receive a result of an operation performed using the transmitted data from the exchange server 300 or the creditor server 400 in response to the transmission. For example, the stock transaction order processing apparatus 100 may transmit a transaction order for stock received from the first terminal 200 to the exchange server 300. The stock transaction order processing apparatus 100 may receive information on whether to execute the transaction order from the exchange server 300 in response to the transmission.

In addition, when a loan for the user of the first terminal 200 occurs or repayment for the loan occurs in the process of processing a transaction order for stock, the stock transaction order processing device 100 is used for the loan or repayment. Information about may be transmitted to the creditor company server 400. The stock transaction order processing device 100 may receive a result of processing the loan or repayment from the credit company server 400 in response to the transmission.

The stock transaction order processing apparatus 100 may be operated by a securities company. The stock transaction order processing apparatus 100 may manage a securities company account held by a securities company and a securities account held by a user. The stock transaction order processing apparatus 100 may allow money to be transferred between the securities company account and the securities account of any user.

The stock transaction order processing apparatus 100 may or may not have the authority to manage the creditor account held by the creditor. If the stock transaction order processing device 100 has management authority for the credit company account, the stock transaction order processing device 100 may allow money to be transferred between the securities company account and the credit company account. In addition, the stock transaction order processing apparatus 100 may allow money to be transferred between the credit company account and a stock account of a user.

The stock transaction order processing device 100 may be a single device. 2 is a block diagram showing the configuration of a stock transaction order processing apparatus 100 according to an embodiment. Referring to FIG. 2, the stock transaction order processing apparatus 100 may include a communication unit 101, a storage unit 102, and a control unit 103.

The communication unit 101 may transmit data to or receive data from the outside. The communication unit 101 may transmit or receive data to the terminals 200 and 210, the exchange server 300, or the creditor server 400. The communication unit 101 may transmit an operation result performed by the control unit 103 to the outside. In addition, the communication unit 101 may transmit data stored in the storage unit 102 to the outside. The communication unit 101 may receive data to be used by the control unit 103 to perform an operation from the outside. Data to be transmitted by the communication unit 101 or data received by the communication unit 101 may be stored in the storage unit 102.

The communication unit 101, for example, 3G module, LTE module, LTE-A module, Wi-Fi module, WiGig (WiGig) module, UWB (Ultra Wide Band) module, or a remote network interface such as a LAN card. Can include. In addition, the communication unit 101 includes a short-range network interface such as a magnetic secure transmission (MST) module, a Bluetooth module, an NFC module, an RFID module, a ZigBee module, a Z-Wave module, or an infrared module. can do. In addition, the communication unit 101 may include other network interfaces.

The storage unit 102 may store data. The storage unit 102 may store data to be used by the control unit 103 to perform an operation. The storage unit 102 may store a result of an operation performed by the control unit 103. The storage unit 102 may store data to be transmitted to the outside through the communication unit 101 or may store data received from the outside through the communication unit 101. The storage unit 102 may store a program. The program may include at least one or more instructions.

The storage unit 102 may include a volatile memory or a nonvolatile memory. The storage unit 102 may include, for example, a flash memory, ROM, RAM, EEROM, EPROM, EEPROM, a hard disk drive (HDD), or a register. The storage unit 102 may include, for example, a file system, a database, or an embedded database.

The control unit 103 may control the operation of the stock transaction order processing apparatus 100. The control unit 103 may be connected to the remaining components included in the stock transaction order processing apparatus 100. The control unit 103 may control the operation of the remaining components included in the stock transaction order processing apparatus 100. The control unit 103 may control the operation of the stock transaction order processing apparatus 100 in response to the data received by the communication unit 101.

The control unit 103 may perform an operation. The control unit 103 may perform an operation using data received by the communication unit 101 or data stored in the storage unit 102. The control unit 103 may control the result of the operation to be stored in the storage unit 102. The control unit 103 may control the result of the operation to be transmitted to the outside by the communication unit 101. The control unit 103 can execute a program. The control unit 103 may execute at least one command included in the program.

The control unit 103 may be, for example, a central processing unit (CPU), a graphic processing unit (GPU), a microcontroller unit (MCU), a processor, or a microprocessor. (microprocessor), etc. may be included.

According to another embodiment, the stock transaction order processing apparatus 100 may include a plurality of devices rather than a single device. The plurality of devices may perform the same role with each other. The computational load can be distributed by the plurality of devices performing the same type of operation separately. The plurality of devices may perform different roles. Each of the plurality of devices may divide and perform different types of calculations, thereby distributing the calculation load. The plurality of devices may be connected to each other. The plurality of devices may give or receive data from each other.

3 is a network configuration diagram illustrating an environment in which the stock transaction order processing apparatus 100 according to another exemplary embodiment operates. As shown in FIG. 3, the stock transaction order processing device 100 includes at least four or more devices including a gateway server 110, a control server 120, a loan management server 130, and an order management server 140. Can include. If the stock transaction order processing device 100 includes three or less devices, at least one device included in the stock transaction order processing device 100 is the gateway server 110, the control server 120, and the loan The management server 130 or the order management server 140 may perform at least two or more roles.

The gateway server 110 may be connected to at least one or more terminals 200 and 210. The gateway server 110 may transmit or receive data to each other through a communication network with the at least one terminal 200 and 210. The gateway server 110 may manage access from the terminals 200 and 210, connection with the terminals 200 and 210, and communication with the terminals 200 and 210. The gateway server 110 may perform a role of stably processing access from the terminals 200 and 210 and blocking an aggressive access attempt from outside. The gateway server 110 may perform a role of stably maintaining connection and communication with the terminals 200 and 210 and securing the security of the connection and communication.

For example, the gateway server 110 may receive a purchase order for stock from the first terminal 200. The gateway server 110 may transmit the received purchase order to the control server 120.

The control server 120 may play a role of controlling the remaining devices 110, 130, and 140 included in the stock transaction order processing apparatus 100. In addition, the control server 120 may play a role of controlling the processing of a transaction order for stocks received from the terminals 200 and 210. The control server 120 may be connected to the creditor server 400. The control server 120 may transmit or receive data to or from the creditor server 400 through a communication network.

For example, the control server 120 may receive a purchase order for stock from the first terminal 200 from the gateway server 110. The control server 120 may determine whether a user of the first terminal 200 needs a loan to purchase the stock. If it is determined that the user of the first terminal 200 needs a loan, the control server 120 allows the loan management server 130 to transfer the loan amount from the securities company account to the user's stock account of the first terminal 200. Can be controlled. After a sufficient amount of funds is secured to the user of the first terminal 200 to purchase the stock, the control server 120 may transmit the purchase order to the order management server 140.

In addition, the control server 120 may allow money to be settled between the creditor account and the securities company account based on the total amount of loans to all users and the total amount of repayment from all users. If the total loan amount is greater than the total repayment amount, the control server 120 may transmit a request for transfer of money from the credit company account to the securities company account to the credit company server 400. If the total repayment amount is greater than the total loan amount, the control server 120 may allow money to be transferred from the securities company account to the credit company account.

When it is determined that a specific user needs a loan to purchase stocks, the loan management server 130 may transfer the loan amount from a securities company account to the specific user's securities account. For example, the loan management server 130 may receive information about a user of the first terminal 200 and information about the amount of a required loan amount from the control server 120. The loan management server 130 may transfer the loan amount from the securities company account to the user's securities account of the first terminal 200 based on the received information.

The order management server 140 may be connected to the exchange server 300. The order management server 140 may give or receive data from each other through the exchange server 300 and a communication network. The order management server 140 may transmit a transaction order for stock to the exchange server 300. The order management server 140 may receive information on whether to execute the transaction order from the exchange server 300 in response to the transmission.

For example, the order management server 140 may receive a purchase order from the first terminal 200 from the control server 120. The order management server 140 may transmit a purchase order from the first terminal 200 to the exchange server 300. The order management server 140 may monitor whether the purchase order is executed. If the ask price of the buy order is lower than the market price, it may take time to determine whether to execute the buy order. After determining whether to execute the purchase order, the order management server 140 may receive information on whether to execute the purchase order from the exchange server 300.

The exchange server 300 may be a server operated by a stock exchange. The exchange server 300 may be connected to the stock transaction order processing apparatus 100. The exchange server 300 may manage all sell orders and buy orders received by the exchange server 300 and allow a specific sell order and a specific buy order to be concluded with each other according to the asking price of each transaction order.

The exchange server 300 may receive a purchase order from the first terminal 200 from the order management server 140. The exchange server 300 may allow the buy order to be concluded with another specific sell order according to the asking price of the buy order. If the ask price of the buy order is lower than the market price, it may take time for the buy order to be executed, or the buy order may be canceled without being executed. When the purchase order is concluded or canceled, the exchange server 300 may transmit information on whether the purchase order is executed to the order management server 140.

The goddess server 400 may be a server operated by a goddess. A goddess can hold a lender account. The creditor may lend money held in the creditor account to the user and earn interest.

The creditor server 400 may be connected to the control server 120. After the loan management server 130 transfers the loan amount from the securities company account to the user's security account, the credit company server 400 may receive information on the loan amount from the control server 120. The creditor server 400 may allow money corresponding to the loan amount to be transferred from the creditor account to the securities company account.

According to another embodiment, a plurality of loans to a plurality of users and a plurality of repayments from a plurality of users may occur. In other words, a transfer of loan money from a securities company account to a plurality of securities accounts and a transfer of redemption money from a plurality of securities accounts to a securities company account may occur. When the amount of all loans is greater than the amount of all repayments, the credit company server 400 receives a request for transfer of money equal to the difference between the amount of all loans and the amount of all repayments from the control server 120 can do. The credit company server 400 may allow the money to be transferred from the credit company account to the securities company account.

The creditor server 400 may receive information on loan details and repayment details for each user from the control server 120. The creditor server 400 may manage loan details and repayment details for each user. The creditor server 400 may manage interest on a portion of the loan for each user that has not yet been repaid.

Hereinafter, a more specific operation of the stock transaction order processing apparatus 100 in the stock transaction order processing method according to the embodiment will be described in detail with reference to FIGS. 4 to 6.

4 is a flowchart illustrating a process of performing a stock transaction order processing method according to an embodiment. Referring to FIG. 4, in the stock transaction order processing method according to the embodiment, first, a value greater than the amount of the remaining deposits held in the stock account of the random user from the terminal of any user included in the entire user set. A step (S100) of receiving a purchase order for stock may be performed.

The communication unit 101 of the stock transaction order processing apparatus 100 may receive, for example, a first purchase order for a specific stock from the first terminal 200. The user of the first terminal 200 (hereinafter referred to as "first user") may hold a stock account used to trade stocks. Deposits to be consumed to purchase stocks may be held in the securities account. The information on the stock account may be stored in the storage unit 102 of the stock transaction order processing apparatus 100. The control unit 103 may obtain information on the amount of deposits held in the stock account of the first user by accessing the information on the stock account.

The first purchase order may include information on a stock item that the first user wants to buy, a bid price for one share, and the number. The controller 103 may calculate the value of the stock to be bought by multiplying the number and the bid price for one share of the stock to be purchased.

The control unit 103 may compare the amount of deposits held in the securities account of the first user and the calculated value of stocks. Accordingly, the control unit 103 can determine whether a loan is required for the first user in order to purchase the stock.

If the amount of the deposit is greater than or equal to the value of the stock, the control unit 103 may determine that a loan is not required. If it is determined that the loan is not necessary, the communication unit 101 may transmit the first purchase order to the exchange server 300. In addition, the storage unit 102 may update information on the stock account of the first user so that the margin corresponding to the first purchase order is deducted from the deposit. If the value of the stock is greater than the amount of the deposit, the control unit 103 may determine that a loan is required.

Next, a step (S110) of transferring a loan amount greater than or equal to the difference between the value of the stock and the amount of the remaining deposit from a securities company account to the securities account of the arbitrary user (S110) may be performed. 5 is a flow chart showing a process in which a step (S110) of transferring a loan from a securities company account to a user's securities account according to an embodiment is performed.

Referring to FIG. 5, first, at least one of the creditworthiness of the first user, the asset situation of the first user, the amount of the deposit, the state of a stock corresponding to the stock that the first user wants to buy, or the transaction volume of the stock. The step (S111) of calculating the amount of the loan may be performed using one or more.

When it is determined that a loan is necessary, the control unit 103 may calculate the amount of the loan to be loaned to the first user. The control unit 103 may calculate the minimum required loan amount by calculating a difference between the stock value and the deposit amount. The controller 103 may calculate the amount of the loan amount in a range equal to or greater than the calculated minimum loan required amount. However, the credit rating of the first user is lower than the standard, the asset situation of the first user is worse than the standard, the amount of the deposit is less than the standard, the condition of the item is worse than the standard, or the item When the transaction amount of is less than the standard, the control unit 103 may determine that the loan is not allowed or may calculate an amount smaller than the minimum loan required amount as the amount of the loan.

The control unit 103 calculates the amount of the loan based on the amount of the portion of the assets of the first user that has not yet been used as collateral for the loan amount and information on the item group to which the stock item the first user intends to purchase belongs. can do. The amount of assets of the first user may be calculated by subtracting the amount of all loans loaned to the first user from the sum of the amount of deposits of the first user and the value of stocks already held by the first user. If the first user does not own any stocks and has not yet received a loan, the amount of the assets of the first user may be the same as the amount of deposits held in the securities account of the first user.

Each event may be classified into any one of a plurality of event groups according to the state of the event. The storage unit 102 may store information on an event group to which each event belongs. Each sport group can correspond to a specific multiple. Multiples corresponding to each event group may be different from the multiples corresponding to other event groups. According to another embodiment, at least two or more multiples corresponding to different event groups may be the same.

The control unit 103 calculates the maximum loanable amount by multiplying the amount of the portion of the assets of the first user that has not yet been used as collateral for the loan amount and a multiple corresponding to the stock group to which the stock item the first user intends to purchase belongs. can do. The control unit 103 may calculate the amount of the loan in a range equal to or less than the calculated maximum loanable amount. The controller 103 may determine a smaller or equal amount of the minimum loan required amount or the maximum loanable amount as the amount of the loan.

For example, it is assumed that a deposit of KRW 1 million is held in the securities account of the first user, and the first user does not own any stocks and has not yet received a loan. In addition, it is assumed that the first user intends to purchase 3 million won worth of stocks belonging to the first stock group corresponding to a multiple of 4 times. The control unit 103 may calculate 2 million won as the minimum required loan amount. The amount of assets of the first user may be 1 million won. The amount of the portion of the assets of the first user that has not yet been used as collateral for the loan may be 1 million won. The control unit 103 may calculate 4 million won as the maximum loanable amount. The control unit 103 may determine, as the amount of the loan, a smaller or equal amount of 2 million won among the minimum required loan amount or the maximum loanable amount.

Next, a step (S112) of transferring the calculated loan amount from the securities company account to the securities account of the first user may be performed. The control unit 103 of the stock transaction order processing apparatus 100 may generate a transaction between the securities company account and the securities account of the first user. The loan may be transferred from a securities company account to a securities account of the first user through the transaction.

The storage unit 102 may update information on the account of the securities company so that the amount of the balance held in the account of the securities company is reduced by the amount of the loan amount. The storage unit 102 may update information on the stock account of the first user so that the amount of deposits held in the stock account of the first user is increased by the amount of the loan.

When the transfer of the loan amount is completed, the loan to the first user may be completed. When the loan to the first user is completed, the controller 103 may calculate a share of the amount of the loan divided by a multiple corresponding to the stock group to which the stock item the first user intends to purchase belongs. A portion of the first user's assets as much as the calculated share may be used as collateral for the loan. If the amount of the remaining portion of the assets of the first user excluding the portion used as collateral is 0, the controller 103 may not allow any further loans to the first user.

For example, when the transfer of the loan amount of 2 million won is completed, the deposit held in the securities account of the first user may increase to 3 million won. Of the assets of the first user, a portion of the amount of the loan amount of 2 million won divided by 4, which is 500,000 won, may be used as collateral for the loan. Accordingly, the amount of the remaining portion of the assets of the first user excluding the portion used as collateral may be reduced to 500,000 won.

Referring back to FIG. 4, next, the step of transmitting the purchase order to the exchange server 300 and monitoring whether the purchase order is executed (S120) may be performed. As the loan to the first user is completed, sufficient deposits to purchase the stock may be held in the securities account of the first user. The communication unit 101 of the stock transaction order processing apparatus 100 may transmit the first purchase order to the exchange server 300.

The storage unit 102 may update the information of the first user's stock account so that the margin corresponding to the first purchase order is deducted from the deposit. The amount of the margin may be the same as the value of the stock. According to another embodiment, the amount of the margin may be calculated by multiplying the margin rate corresponding to the stock item and the value of the stock.

For example, the amount of the margin may be 3 million won, which is the same as the value of the stock that the first user intends to buy. The amount of deposits held in the securities account of the first user may be reduced to zero. As another example, assuming that the margin rate corresponding to the stock item is 40%, the amount of margin may be 1.2 million won. The amount of deposits held in the securities account of the first user may be reduced to 1.8 million won.

The exchange server 300 may receive the first purchase order from the stock transaction order processing apparatus 100. The exchange server 300 may allow the first buy order to be concluded with another specific sell order according to the asking price of the first buy order. If the asking price of the first purchase order is lower than the market price, it may take time for the first purchase order to be executed, or the first purchase order may be canceled without being executed. When the first purchase order is concluded or canceled, the exchange server 300 may transmit information on whether the first purchase order is executed to the stock transaction order processing apparatus 100.

The communication unit 101 of the stock transaction order processing apparatus 100 may receive information on whether to execute the first purchase order from the exchange server 300. The control unit 103 may monitor whether the information is received by the communication unit 101. Accordingly, the control unit 103 may monitor whether the first purchase order is executed.

Next, a step (S130) of repeating the step of receiving the buy order (S100) to the step of monitoring whether the buy order is executed (S120) at least once or more may be performed. For example, the communication unit 101 of the stock transaction order processing apparatus 100 is a second purchase order for stocks of a value greater than the amount of the remaining deposits held in the stock account of the first user from the first terminal 200. Can be received. The stock item corresponding to the second purchase order may be the same as or different from the stock item corresponding to the first purchase order.

For example, it is assumed that a stock item corresponding to the second purchase order belongs to a second stock group corresponding to a multiple of 2, and the value of the stock is 1 million won. Since the value of the stock is larger than 0, which is the amount of the remaining deposit of the first user, the controller 103 may determine that the first user needs a loan.

The control unit 103 may calculate 1 million won as the minimum required loan amount. The control unit 103 may calculate the maximum loanable amount by multiplying the remaining portion of the assets of the first user, excluding the portion used as collateral, by 500,000 won and 2. In other words, the control unit 103 may calculate 1 million won as the maximum loanable amount. The control unit 103 may determine an amount of 1 million won, which is less than or equal to one of the minimum required loan amount or the maximum loanable amount, as the amount of the additional loan amount.

The control unit 103 may cause the additional loan to be transferred from the securities company account to the first user's stock account by generating a transaction between the securities company account and the first user's stock account. When the transfer of the additional loan amount of 1 million won is completed, a portion of the assets of the first user as much as 500,000 won, which is a share of 1 million won divided by 2, may be used as collateral for the additional loan. Accordingly, the amount of the remaining portion of the assets of the first user excluding the portion being used as collateral may be reduced to zero. The control unit 103 may not allow any more loans to the first user.

The communication unit 101 may transmit the second purchase order to the exchange server 300. The control unit 103 may monitor whether the second purchase order is executed.

As another example, the communication unit 101 of the stock transaction order processing device 100 is a third purchase order for stocks of a value greater than the amount of the remaining deposits held in the stock account of the second user from the second terminal 210 Can be received. The stock item corresponding to the third purchase order may be the same as or different from the stock item corresponding to the first purchase order or the stock item corresponding to the second purchase order.

For example, it is assumed that the remaining deposit amount held in the securities account of the second user is 2 million won, and the second user does not own any stocks and has not yet received a loan. In addition, it is assumed that the stock item corresponding to the third purchase order belongs to the first stock group corresponding to a multiple of 4, and the value of the stock is 3 million won. Since the value of the stock is larger than the amount of the remaining deposit of the second user, the control unit 103 may determine that the second user needs a loan.

The control unit 103 may calculate 1 million won as the minimum required loan amount. The control unit 103 may calculate the maximum loanable amount by multiplying the amount of 2 million won and 4, which is the amount of a portion of the assets of the second user that has not yet been used as collateral for the loan amount. In other words, the control unit 103 may calculate 8 million won as the maximum loanable amount. The control unit 103 may determine an amount of 1 million won, which is less than or equal to one of the minimum required loan amount or the maximum loanable amount, as the amount of the additional loan amount.

The control unit 103 may cause the additional loan to be transferred from the securities company account to the second user's stock account by generating a transaction between the securities company account and the second user's stock account. When the transfer of the additional loan amount of 1 million won is completed, a portion of the assets of the second user as much as 250,000 won, which is a share of 1 million won divided by 4, may be used as collateral for the additional loan. Accordingly, the amount of the remaining portion of the assets of the second user excluding the portion used as collateral may be reduced to 1.75 million won.

The communication unit 101 may transmit the third purchase order to the exchange server 300. The control unit 103 may monitor whether the third purchase order is executed.

As another example, the communication unit 101 of the stock transaction order processing apparatus 100 is the amount of the remaining deposits held in the stock account of one user from the terminals 200 and 210 of one user included in the entire user set. It is possible to receive a fourth buy order for the fourth stock of a greater value. The one user may be a first user, a second user, or a user different from the first user and the second user. The stock item corresponding to the fourth purchase order may be the same as or different from the stock item corresponding to the first purchase order, the second purchase order, or the third purchase order.

For example, the remaining deposits held in the securities account of the one user, the value of all stocks already held by the one user, and the amount of all loans loaned to the one user are KRW 1 million, KRW 1 million, and Assume it is 500,000 won. In addition, the first stock group in which all the stocks already owned by the single user belong to the second stock group corresponding to a multiple of 2, and the stocks corresponding to the fourth buy order correspond to a multiple of 4 And the value of the stock is 2 million won. Since the value of the stock is larger than the amount of the remaining deposit of the single user, the control unit 103 may determine that the single user needs a loan.

The control unit 103 may calculate 1 million won as the minimum required loan amount. The control unit 103 may calculate 1.5 million won as the amount of the asset of one user. The control unit 103 may calculate the amount of the portion already used as collateral for the loan amount by calculating a share obtained by dividing the amount of all loans loaned to the single user by a multiple corresponding to the second item group. In other words, the control unit 103 can calculate the amount of the portion that is already used as collateral for the loan, which is the share of 500,000 won divided by 2, 250,000 won. The control unit 103 may calculate the maximum loanable amount by multiplying the amount of 1.25 million won, which is the amount of the portion of the asset of the single user that has not yet been used as collateral for the loan, and 4 which is a multiple corresponding to the first stock group. In other words, the control unit 103 may calculate 5 million won as the maximum loanable amount. The control unit 103 may determine an amount of 1 million won, which is less than or equal to one of the minimum required loan amount or the maximum loanable amount, as the amount of the additional loan amount.

The controller 103 may cause the additional loan to be transferred from the securities company account to the user's stock account by generating a transaction between the securities company account and the one user's stock account. When the transfer of the additional loan amount of 1 million won is completed, a portion of the assets of the single user as much as 250,000 won, which is a share of 1 million won divided by 4, may be used as collateral for the additional loan. Accordingly, the amount of the remaining portion of the assets of one user excluding the portion used as collateral may be reduced to 1 million won.

The communication unit 101 may transmit the fourth purchase order to the exchange server 300. The control unit 103 may monitor whether or not the fourth purchase order is executed.

The stock transaction order processing apparatus 100 may receive a plurality of additional purchase orders from a plurality of terminals 200 and 210 of a plurality of users. The stock transaction order processing apparatus 100 may transfer additional loans from a securities company account to the stock accounts of the plurality of users in response to the plurality of additional purchase orders. The stock transaction order processing apparatus 100 may transmit the plurality of additional purchase orders to the exchange server 300 and monitor whether the plurality of additional purchase orders are executed.

Next, a step (S140) of performing settlement of money including money corresponding to the loan amount between the credit company account and the securities company account may be performed according to whether the purchase order is concluded. Since the loan is held by the creditor and the loan is transferred from the securities company account to the securities account of each user, settlement between the creditor account and the securities company account may be necessary. The stock transaction order processing device 100 ensures that all loans to all users, all interests on all of the loans, and money corresponding to all repayments on all of the loans and all interests are settled between the creditor account and the brokerage account. can do.

6 is a flowchart illustrating a process in which a step (S140) of performing a settlement of money according to whether a purchase order is concluded according to an embodiment is performed. Referring to FIG. 6, first, for each of the securities accounts to which the loan has been transferred, the remaining principal and interest for the securities account is based on interest on the portion that has not yet been repaid among all the loans transferred to the securities account. The step of calculating the amount (S141) may be performed.

The control unit 103 of the stock transaction order processing apparatus 100 may calculate the amount of interest on the loan. The amount of interest can be recalculated and updated periodically. For example, the amount of interest can be recalculated and updated every day after a certain time.

Interest can be accrued on loans for which the loan was completed no later than the day before. In other words, interest may not be accrued on loans completed today. Accordingly, the control unit 103 can calculate the amount of interest on the portion of the loan that has not yet been repaid among the loans completed before the previous day at the latest.

The amount of interest may be calculated using the amount of the principal that has not yet been repaid among the loans completed before the previous day at the latest. The amount of the interest may be calculated using the amount of the principal through the simple interest method. The amount of interest may be calculated using the amount of the principal and the amount of interest that has not yet been repaid through a compounding method.

The control unit 103 may calculate the amount of the remaining principal and interest by calculating the sum of the amount of the principal and the calculated interest. The amount of remaining principal and interest can be recalculated and updated periodically. For example, the amount of the remaining principal and interest may be newly calculated and updated after a certain time each day.

The amount of the remaining principal and interest may be calculated for each securities account. In other words, the amount of the remaining principal and interest may be calculated for each user's securities account. According to another embodiment, the amount of the remaining principal and interest may be calculated for each of the securities accounts to which the loan is transferred among all the securities accounts.

Next, for each of the securities accounts to which the loan has been transferred, when the amount of the remaining deposit in the securities account after a specific point in time is greater than 0, transferring the redemption money from the securities account to the securities company account (S142) Can be done.

The specific time point may be the end time of today's stock market. For example, the specific time point may be 3:30 pm or 6 pm. The user may cancel at least a portion of the portion of the purchase order that has not yet been concluded before the end of the market. If the market is terminated before all the purchase orders are concluded, a portion of the purchase order that has not yet been concluded may be automatically canceled.

Since no transaction occurs after the market is over, it may be determined whether or not to execute the purchase order at the time the market is over. The funds for the portion of the purchase order canceled by the user or automatically may remain in the user's stock account as a residual deposit.

The control unit 103 may check the amount of the remaining deposit for each of the securities accounts to which the loan is transferred after the market is over. The remaining deposit may include funds for a portion of the purchase order that has not been concluded. The user may deposit new money into the user's securities account from outside, for example, for the purpose of repaying the loan or for placing an additional purchase order. If the user newly deposits money into the user's securities account from the outside, the remaining deposit may include the newly deposited money.

If the amount of the remaining deposits in a certain securities account is greater than 0, the control unit 103 may transfer at least a part of the remaining deposits as redemption money from the securities account to a securities company account. The control unit 103 may calculate the amount of the redemption money in advance before transferring the redemption money. The control unit 103 may compare the amount of the remaining principal and interest amount for the securities account and the amount of the remaining deposit amount. The control unit 103 may determine a smaller amount of the remaining principal amount or the remaining deposit amount as the amount of the repayment amount. If there is no interest accrued on the securities account, the control unit 103 determines the smaller of the amount of the portion that has not yet been repaid or the remaining deposit amount among all the loans transferred to the securities account as the amount of the repayment amount. I can. The control unit 103 may transfer the redemption amount equal to the calculated amount from the securities account to a securities company account.

For example, it is assumed that the market is ended before the first purchase order is fully executed, or at least a part of the first purchase order is cancelled. In the securities account of the first user, a portion corresponding to a portion of the first purchase order that has not been concluded among the loans transferred to the securities account may remain as a residual deposit. The control unit 103 may transfer a portion of the loan that corresponds to an unsigned portion of the first purchase order from the securities account to a securities company account as a repayment amount.

In addition, it is assumed that the market is terminated or at least a part of the additional purchase order is canceled before all the additional purchase orders are executed. In the securities account of the user of the terminal 200 or 210 that has transmitted the additional purchase order, a portion corresponding to the unsigned portion of the additional purchase order among the additional loans transferred to the securities account may remain as a residual deposit. The control unit 103 may transfer a portion of the additional loan that corresponds to an unsigned portion of the additional purchase order from the securities account to a securities company account as an additional redemption amount.

The control unit 103 may check the amount of the remaining deposits for each of all securities accounts in which the amount of the remaining principal and interest is greater than 0 every day after a specific time. If the amount of the remaining deposits in a certain securities account is greater than 0, the control unit 103 may transfer at least a part of the remaining deposits as redemption money from the securities account to a securities company account.

Accordingly, the control unit 103 can automatically repay the funds for the canceled portion of the purchase order to the account of the securities company after the end of the market. This allows the user to pay interest only on the portion of the loan that has actually been spent on buying stock. In addition, when the user deposits money into the user's securities account from the outside, when the remaining deposit is greater than zero, repayment is automatically performed, thereby simplifying the repayment procedure. In addition, when the repayment is automatically performed as described above, the amount of interest to be borne by the user can be minimized since the time from the time of the loan to the time of repayment is reduced.

According to another embodiment, the control unit 103 of the stock transaction order processing apparatus 100 may directly transfer the redemption money from the stock account to the credit company account. If the amount of the remaining deposits of a certain securities account is greater than 0, the control unit 103 may transfer at least a part of the remaining deposits from the securities account to the credit company account as a redemption amount.

Next, a step (S143) of comparing the first total amount of all transferred loans and the second total amount of all transferred repayments may be performed. The control unit 103 of the stock transaction order processing apparatus 100 may calculate a first total amount, which is the sum of all loans transferred from a stock company account to each stock account during the day. In addition, the control unit 103 may calculate a second total amount, which is the sum of all repayments transferred from each stock account to a stock company account during the day. The control unit 103 may compare the calculated first total amount and the second total amount.

Next, as a result of the comparison, if the first total amount is greater than the second total amount, a request for transfer of money equal to the difference between the first total amount and the second total amount from the credit company account to the securities company account The step (S144) of transmitting to the creditor server 400 may be performed. If the first total amount is greater than the second total amount, it may be necessary to transfer money from the credit company account to the securities company account for settlement between the credit company account and the securities company account. The control unit 103 may calculate a difference between the first total amount and the second total amount. The communication unit 101 may transmit a request for transfer of money equal to the calculated difference to the creditor server 400.

According to another embodiment, the stock transaction order processing apparatus 100 may have management authority for the credit company account. In other words, the stock transaction order processing apparatus 100 may have the authority to transfer money from the creditor account to another account. If the stock transaction order processing apparatus 100 has the authority, the control unit 103 of the stock transaction order processing apparatus 100 may transfer money equal to the calculated difference from the creditor account to the securities company account.

Next, as a result of the comparison, if the second total amount is greater than the first total amount, transferring money equal to the difference between the second total amount and the first total amount from the securities company account to the credit company account ( S145) may be performed. If the first total amount is greater than the second total amount, it may be necessary to transfer money from the securities company account to the credit company account for settlement between the credit company account and the securities company account. The control unit 103 may calculate a difference between the second total amount and the first total amount. The control unit 103 may transfer money equal to the calculated difference from the securities company account to the credit company account.

For example, the sum of all loans transferred to each stock account and the sum of all repayments transferred from each stock account can be offset against each other. In other words, the loan amount transferred to the securities account of the first user, the repayment amount transferred from the securities account of the first user, and the additional loan amount transferred to the user's securities account of the terminals 200 and 210 that transmitted the additional purchase order. , And the additional redemption money transferred from the user's stock account of the terminals 200 and 210 may be offset against each other. If the sum of the loan and the additional loan is greater than the sum of the repayment and the additional repayment, the communication unit 101 may transmit a request for transfer of money corresponding to the balance after being offset to the credit company server 400. . If the sum of the repayment amount and the additional repayment amount is greater than the sum of the loan amount and the additional loan amount, the control unit 103 may transfer money corresponding to the balance after offsetting from the securities company account to the credit company account.

According to another embodiment, the stock transaction order processing apparatus 100 may perform settlement between a securities company account and a credit company account without offsetting the first total amount and the second total amount. In other words, the stock transaction order processing apparatus 100 transmits a request for transfer of money equal to the first total amount to the credit company server 400, and transfers money equal to the second total amount from the securities company account to the credit company. You can transfer it to your account. If the stock transaction order processing apparatus 100 has the authority to manage the creditor account, the control unit 103 transfers the first total amount of money from the creditor account to the securities company account, and transfers the second total amount of money to the securities company. You can transfer money from your account to your credit card account.

For example, the communication unit 101 of the stock transaction order processing apparatus 100 may transmit a request for transfer of money corresponding to the loan transferred in response to the first purchase order to the credit company server 400 have. The communication unit 101 may additionally transmit a request for transfer of money corresponding to the additional loan amount transferred in response to the additional purchase order. As another example, the communication unit 101 may transmit a request for transfer of money including money corresponding to the loan. The communication unit 101 may transmit a request for transfer of money corresponding to the sum of the loan amount and the additional loan amount. The communication unit 101 may transmit a request for transfer of money corresponding to the loan and all the additional loans.

The communication unit 101 may transmit information on each loan and repayment to the credit company server 400. The information on each loan may include an amount of a loan corresponding to the loan, information on a stock account from which the loan was received, information on a user of the stock account, or a date on which the loan occurred. The information on each redemption may include an amount of redemption corresponding to the redemption, information on a stock account to which the redemption money was transmitted, information on a user of the stock account, or a date on which the redemption occurred. The lender can hold the risk-bearing and time-limited benefits of the loan. Accordingly, the lender can manage the loan and repayment details for each user by using the information on the loan and repayment.

Next, a step (S146) of updating the amount of the remaining principal and interest based on the interest on the portion of the remaining principal and interest that has not yet been repaid may be performed. The amount of remaining principal and interest can be recalculated and updated periodically. For example, the control unit 103 may newly calculate and update an amount of interest on a portion of the remaining principal and interest that has not yet been repaid after a specific time every day. The controller 103 may newly calculate and update the amount of the remaining principal and interest based on the newly calculated amount of interest.

In addition, if the repayment money is transferred through the step of transferring the repayment (S142), the control unit 103 may reduce the amount of the remaining principal and interest by the amount of the repayment. The control unit 103 may first decrease the amount of interest among the remaining amount of principal and interest, and may decrease the amount of the principal amount when there is no remaining interest.

Next, a step (S147) of periodically transferring the repayment amount (S142) to renewing the amount of the remaining principal amount (S146) until all the remaining principal and interest is repaid may be performed. The control unit 103 may check the amount of the remaining deposits for each of all securities accounts in which the amount of the remaining principal and interest is greater than zero every day. If the amount of the remaining deposits in a certain securities account is greater than 0, the control unit 103 may transfer at least a part of the remaining deposits as redemption money from the securities account to a securities company account. The control unit 103 may allow all loans to all users, all interests on all of the loans, and money corresponding to all the loans and all repayments on all interests to be settled between the creditor account and the securities company account every day . The control unit 103 may update the amount of the remaining principal and interest of each user every day. The control unit 103 may repeat the above process every day until all the remaining principal and interest are repaid.

According to the embodiment described above, when a loan for stock purchase occurs, the loan is transferred from the securities company account to the user's securities account without the intervention of the lender, and settlement between the securities company account and the lender account after the market is closed. Can be done. Therefore, the time it takes for a stock investor to obtain a loan may be reduced. In addition, the number of transactions with a credit company account that occurs in the process of receiving a loan by a stock investor may be reduced.

In addition, according to an embodiment, when a purchase order for stocks with a value greater than the amount of the remaining deposits held in the user's stock account is received, a loan may be automatically generated. Accordingly, a purchase order for stocks with a value greater than the amount of deposits held in the stock investor's stock account can be automatically processed. In addition, stock investors' buy orders for stocks can be processed more quickly and reliably.

The embodiment described above may also be implemented in the form of a program that can be executed by a computer. The program may include at least one or more instructions that can be executed by a computer. The program can be recorded on a recording medium. The recording medium can be read by a computer. The recording medium may include at least one of a volatile medium, a nonvolatile medium, a removable medium, a non-removable medium, a communication medium, or an information transmission medium.

The embodiments of the invention described above with reference to the drawings are merely exemplary embodiments selected so that those of ordinary skill in the art can more easily understand the technical idea of the invention, and various other embodiments exist. I can. Accordingly, the invention is not limited to the form in the described embodiments and may be implemented or implemented in at least one or more forms among various forms including the technical idea of the invention. The scope of the invention may also need to be specified to include various other embodiments including the technical idea of the invention, rather than being limitedly specified based on the described embodiments.

100: stock transaction order processing unit
101: communication department
102: storage unit
103: control unit
110: gateway server
120: control server
130: loan management server
140: order management server
200: first terminal
210: second terminal
300: Exchange server
400: Goddess server

Claims (19)

Receiving a first purchase order for a first stock of a value greater than the amount of deposits held in the securities account of the first user from the terminal of the first user;
Transferring a first loan equal to or greater than the difference between the value of the first stock and the amount of the deposit from a securities company account to a securities account of the first user;
Transmitting the first purchase order to an exchange server and monitoring whether the first purchase order is executed; And
Transmitting a request for transfer of money including money corresponding to the first loan from the credit company account to the securities company account to the credit company server according to whether the first purchase order is concluded
Stock trading order processing method comprising a. The method of claim 1,
Prior to the step of transmitting the request for the transfer,
Receiving a second purchase order for a second stock of a value greater than the amount of the remaining deposits held in the securities account from the terminal of the first user;
Transferring a second loan amount equal to or greater than the difference between the value of the second stock and the amount of the remaining deposit from the securities company account to the securities account; And
Transmitting the second purchase order to the exchange server and monitoring whether the second purchase order is executed
Including more,
Transmitting the request for the transfer,
Transmitting a request for transfer of money corresponding to the sum of the first loan and the second loan according to whether the first purchase order and the second purchase order are executed
Stock trading order processing method comprising a. The method of claim 1,
Prior to the step of transmitting the request for the transfer,
Receiving an additional purchase order for stocks with a value greater than the amount of the remaining deposits held in the securities account from the terminal of the first user;
Transferring an additional loan from the securities company account to the securities account in response to the additional purchase order;
Transmitting the additional purchase order to the exchange server and monitoring whether the additional purchase order is executed; And
Repeating the step of receiving the additional purchase order to monitoring whether the additional purchase order is executed at least once or more
Including more,
Transmitting the request for the transfer,
Transmitting a request for transfer of money corresponding to the first loan and all the additional loans according to whether the first purchase order and all the additional purchase orders are executed
Stock trading order processing method comprising a. The method of claim 1,
Prior to the step of transmitting the request for the transfer,
Receiving a third purchase order for a third stock of a value greater than the amount of deposits held in the securities account of the second user from the terminal of the second user;
Transferring a third loan amount equal to or greater than the difference between the value of the third stock and the amount of the deposit of the second user from the securities company account to the securities account of the second user; And
Transmitting the third purchase order to the exchange server and monitoring whether the third purchase order is executed
Including more,
Transmitting the request for the transfer,
Transmitting a request for transfer of money corresponding to the sum of the first loan and the third loan according to whether the first purchase order and the third purchase order are executed
Stock trading order processing method comprising a. The method of claim 1,
Prior to the step of transmitting the request for the transfer,
Receiving an additional purchase order for stocks of a value greater than the amount of deposits held in the securities account of the other user from terminals of the first user and different users;
Transferring an additional loan from the securities company account to the securities account of the other user in response to the additional purchase order;
Transmitting the additional purchase order to the exchange server and monitoring whether the additional purchase order is executed; And
Repeating the step of receiving the additional purchase order to monitoring whether the additional purchase order is executed at least once or more
Including more,
Transmitting the request for the transfer,
Transmitting a request for transfer of money corresponding to the first loan and all the additional loans according to whether the first purchase order and all the additional purchase orders are executed
Stock trading order processing method comprising a. The method of claim 1,
Prior to the step of transmitting the request for the transfer,
Receiving a fourth purchase order for a fourth stock of a value greater than the amount of the remaining deposits held in the stock account of the one user from the terminal of one user included in the entire user set;
Transferring a fourth loan from the securities company account to the securities account of the single user in response to the fourth purchase order; And
Transmitting the fourth purchase order to the exchange server and monitoring whether or not the fourth purchase order is executed
Including more,
Transmitting the request for the transfer,
Transmitting a request for transfer of money corresponding to the sum of the first loan and the fourth loan according to whether the first purchase order and the fourth purchase order are executed
Stock trading order processing method comprising a. The method of claim 1,
Prior to the step of transmitting the request for the transfer,
Receiving an additional purchase order for stocks with a value greater than the amount of the remaining deposits held in the stock account of the single user from the terminal of one user included in the entire user set;
Transferring an additional loan from the securities company account to the securities account of the single user in response to the additional purchase order;
Transmitting the additional purchase order to the exchange server and monitoring whether the additional purchase order is executed; And
Repeating the step of receiving the additional purchase order to monitoring whether the additional purchase order is executed at least once or more
Including more,
Transmitting the request for the transfer,
Transmitting a request for transfer of money corresponding to the first loan and all the additional loans according to whether the first purchase order and all the additional purchase orders are executed
Stock trading order processing method comprising a. The method of claim 7,
Transmitting the request for the transfer,
If the market is terminated or at least a part of the first purchase order is canceled before the first purchase order is fully executed, the first purchase order is executed from the first user's securities account to the securities company account among the first loans. Transferring the first redemption money, which is a portion corresponding to the portion that has not been made;
If the market is terminated or at least a part of the additional purchase order is canceled before all of the additional purchase orders are concluded, the additional loan amount from the securities account of the one user to the securities company's account is not executed in the additional purchase order. Transferring the additional repayment amount, which is a corresponding part; And
Transmitting a request for transfer of money corresponding to the balance after the first loan, the first repayment, all the additional loans, and all the additional repayments are offset
Stock trading order processing method comprising a. The method of claim 1,
Transmitting the request for the transfer,
If the market is terminated or at least a part of the first purchase order is canceled before the first purchase order is fully executed, the first loan from the securities account to the securities company's account is not executed in the first purchase order. Transferring the corresponding portion of the first redemption money; And
Transmitting a request for transfer of money corresponding to the balance excluding the first repayment amount from the first loan
Stock trading order processing method comprising a. The method of claim 9,
Calculating an amount of interest on the balance after a certain point in time, and calculating an amount of the remaining principal and interest based on the amount of the balance and the calculated amount of interest;
When the amount of the remaining deposits in the securities account is greater than 0, repaying a repayment amount equal to the smaller of the remaining principal and interest or the remaining deposits from the securities account to the credit company account;
Updating the amount of the remaining principal and interest based on interest on a portion of the remaining principal and interest that has not yet been repaid; And
Repeating the steps of periodically repaying the credit company account and updating the amount of the remaining principal and interest until all the remaining principal and interest are repaid
Stock trading order processing method comprising a. The method of claim 1,
The step of transferring the first loan to the securities account,
The amount of the first loan is determined by using at least one of the creditworthiness of the first user, the asset situation of the first user, the amount of the deposit, the state of the stock corresponding to the first stock, or the transaction volume of the stock. Calculating; And
Transferring the calculated amount of the first loan from the securities company account to the securities account of the first user
Stock trading order processing method comprising a. The method of claim 1,
If the amount of the remaining deposits in the securities account after a certain point in the day is greater than 0, the amount of the portion that has not yet been repaid among all loans transferred to the securities account or the amount of the remaining deposits, whichever is less, is recalled. Repaying the securities company account from the securities account;
Transferring money equal to the amount of the redemption amount from the securities company account to the credit company account; And
Repeating the step of repaying and transferring the loan to the credit company account periodically until all loans transferred to the securities account are repaid.
Stock trading order processing method comprising a. The method of claim 1,
If the amount of the remaining deposits in the securities account after a certain point in the day is greater than 0, the amount of the portion that has not yet been repaid among all loans transferred to the securities account or the amount of the remaining deposits, whichever is less, is recalled. Repaying the credit company account from the securities account; And
Repeating the step of repaying periodically until all loans transferred to the securities account are repaid
Stock trading order processing method comprising a. Receiving a purchase order for stocks of a value greater than the amount of the remaining deposits held in the securities account of the random user from a terminal of a user included in the entire user set;
Transferring a loan amount equal to or greater than the difference between the stock value and the remaining deposit amount from a securities company account to a securities account of the arbitrary user;
Transmitting the purchase order to an exchange server and monitoring whether the purchase order is executed;
Repeating the step of receiving the purchase order to monitoring whether the purchase order is executed at least once or more;
Transferring a redemption amount from the securities account to the securities company account when the amount of the remaining deposits in the securities account after a certain point in time is greater than 0 for each of the securities accounts to which the loan is transferred;
Comparing a first total amount of all transferred loans and a second total amount of all transferred payments;
As a result of the comparison, if the first total amount is greater than the second total amount, a request for transfer of money equal to the difference between the first total amount and the second total amount from the credit company account to the securities company account Transmitting to the server; And
As a result of the comparison, if the second total amount is larger than the first total amount, transferring money equal to the difference between the second total amount and the first total amount from the securities company account to the credit company account
Stock trading order processing method comprising a. The method of claim 14,
The step of transferring the redemption money,
Transferring a redemption amount equal to the smaller of the amount of all loans transferred to the securities account or the amount of deposits remaining in the securities account from the securities account to the securities company account
Stock trading order processing method comprising a. The method of claim 14,
Before the step of transferring the redemption amount,
For each of the securities accounts to which the loan has been transferred, calculating the amount of the remaining principal and interest for the securities account based on interest on the portion that has not yet been repaid among all the loans transferred to the securities account.
Including more,
The step of transferring the redemption money,
For each of the securities accounts to which the loan has been transferred, if the amount of the remaining deposits in the securities account after the specific point in time is greater than 0, the lesser of the remaining principal and interest amounts in the securities account or the remaining deposits in the securities account. Transferring the amount of redemption money from the securities account to the securities company account
Stock trading order processing method comprising a. Receiving a purchase order for stocks of a value greater than the amount of deposits held in the user's stock account from the user's terminal;
Transferring a loan amount equal to or greater than the difference between the stock value and the deposit amount from a securities company account to the user's securities account;
Transmitting the purchase order to an exchange server and monitoring whether the purchase order is executed; And
Transferring money including money corresponding to the loan amount from the credit company account to the securities company account according to whether the purchase order is concluded
Stock trading order processing method comprising a. A computer-readable recording medium in which a program for causing a computer to perform the stock transaction order processing method of claim 1 is recorded. A memory for storing at least one instruction; And
By executing the at least one command, receiving a first purchase order for a first stock of a value greater than the amount of deposits held in the stock account of the first user from the terminal of the first user, and the first stock Transfer the first loan equal to or greater than the difference between the value of and the deposit amount from the securities company account to the stock account of the first user, transmit the first purchase order to the exchange server, and monitor whether the first purchase order is executed or not And a processor that transmits a request for transfer of money including money corresponding to the first loan from the credit company account to the securities company account to the credit company server according to whether the first purchase order is concluded.
Stock transaction order processing device comprising a.

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