TWI780321B - Credit maintenance rate trial calculation system and method and computer readable medium - Google Patents

Abstract

The present invention discloses a credit maintenance rate trial calculation system, comprising: a transaction content storage device configured to store at least one stock transaction information; a stock information collection device configured to collect the latest stock information according to the stock transaction information; a warning The notification generating device is configured to send a warning notification to a client device and provide a function menu to be displayed on the client when a latest maintenance rate obtained according to the latest stock information is less than a defined specified maintenance rate A terminal device, and receives a trial calculation information returned from the client device; and an information generating device configured to perform a trial calculation according to the trial calculation information to generate a result and provide it to the client device; wherein the trial calculation Information includes at least one of new maintenance ratios, increased cash, increased new shares, or sold holdings.

Description

Credit maintenance ratio trial calculation system and method, and computer-readable medium

The present invention discloses a trial calculation system and method related to financial services and a computer-readable medium, especially a credit maintenance rate trial calculation system and method and a computer-readable medium.

At present, financial institutions such as securities companies can provide loans to customers and buy and sell stocks in the form of margin financing and securities lending, which makes stock trading more diverse. However, the profits and losses between customers and financial institutions will also be related to each other. The credit maintenance rate is an indicator for reference. Simply put, the ratio calculated by dividing the stock market price by the credit transaction amount is used as a benchmark value. The calculation for a single stock is as follows: Assume that financing buys a tranche of 1,000 yuan For stocks, the financing ratio is 60%. When the stock price is 1,000 yuan, the maintenance rate = 1000/60×100%=167%. When the stock price falls to 78 yuan, the maintenance rate will be reduced to 78/60×100%=130%

In order to protect their own rights and interests, financial institutions that provide financing and securities lending will be explained below using a securities company as an example of a financial institution. When a securities company calculates the maintenance rate, it calculates the whole account as a unit, that is, all the stocks in one account of a certain customer, as long as they are traded in the form of margin trading and securities lending, they will be calculated together. In response to the rise and fall of the stock price, if the entire account maintenance rate of a certain customer is lower than the specified maintenance rate, the securities company will notify the customer to pay the difference in cash within the specified time limit to improve the entire account maintenance rate. Able to make up payment within the specified period and the stock price continues to fall to the specified maintenance rate After that, the securities company will be forced to sell the stocks for financing or buy back the stocks for securities lending, which is the so-called "decapitation".

According to the current regulations of the Ministry of Finance of the Republic of China, the minimum guarantee maintenance rate for credit transactions is 130% from May 4, 2014, which means that if a customer's maintenance rate is lower than the specified maintenance rate, which is below 130%, it will be There is pressure to go after cash. Therefore, in the above example, the securities company usually sets the specified maintenance rate at 130%. The designated maintenance rate will vary according to the standards determined by the Ministry of Finance according to market conditions, and securities companies can also make flexible adjustments in this standard.

Going back to the above example, if the designated maintenance rate is 130%, the upper limit of the securities company’s acceptance of the operation amount is usually 1.3 times the original financing (130% maintenance rate), which is 780,000 (600,000 × 1.3), and the stock price is lower than 780,000. You have to pay at least 780,000 as a security deposit. If the current stock price drops to only 700,000 yuan, if the original margin is insufficient, the cash will have to be called.

If the stock loss due to credit trading is too large, the financing maintenance rate is lower than the standard, and the securities company calls for the margin. If the customer fails to pay the deposit on time, the securities company will dispose of the stock in the market by itself, and after recovering the financing loan and related expenses, the remaining If the money is returned to the client, this is a broken head, which is the statutory stop loss point set up by the stock exchange for the client. So once the head is cut off, the customer's loss will be huge. However, increasing the maintenance rate is not limited to supplementing cash. Investors also have different ways to increase financing or securities lending, or supplement part of the cash to cooperate with increasing financing or securities lending. However, investors have no maintenance rate under the investment system of the previous technology. With the function of trial calculation, it is not easy for investors to calculate the maintenance rate by themselves, so that investors cannot know whether the maintenance rate reaches the specified maintenance rate by adopting different methods. Therefore, the present invention provides a credit maintenance rate trial calculation system and method, which will contribute to industrial applicability.

The purpose of the present invention is to provide a credit maintenance rate trial calculation system and method and electronic Brain-readable media, in compliance with current laws and regulations, will simultaneously protect the rights and interests of financial institutions and at the same time provide customers of financial institutions with a faster and easier way to calculate the credit maintenance ratio. On the one hand, it can reduce the operating costs of financial institutions. On the other hand, it can save the time cost of customers of financial institutions.

Another object of the present invention is to provide a credit maintenance rate trial calculation system and method and a computer-readable medium. When the latest maintenance rate obtained from the latest stock information of the customer is lower than the specified maintenance rate, a warning notification is sent in real time, and the Advise customers to deal with their invested stocks in a favorable manner to protect the customer's property and reduce the customer's loss.

Another object of the present invention is to provide a credit maintenance rate trial calculation system and method and a computer-readable medium. When the latest maintenance rate obtained by the customer's latest stock information is lower than the specified maintenance rate, the customer can choose different investment processing methods to try out the maintenance rate, so that customers can make investment decisions faster and easier, thereby protecting customers' property.

To achieve the purpose of the invention, the present invention discloses a credit maintenance rate trial calculation system, comprising: a transaction content storage device configured to store at least one stock transaction information; a stock information collection device configured to collect the latest Stock information; a warning notification generating device configured to send a warning notification to a client device and provide a function menu when a latest maintenance rate obtained according to the latest stock information is less than a defined specified maintenance rate displaying on the client device, and receiving trial calculation information returned from the client device; and an information generating device configured to perform a trial calculation based on the trial calculation information to generate a result and provide it to the client device ; wherein said trial calculation information includes at least one of new maintenance rate, increased cash, increased new shares or sold holdings.

In order to achieve the purpose of the invention, the present invention also discloses a method for calculating the credit maintenance ratio, which includes the following steps: storing at least one stock transaction information; collecting a newest one according to the stock transaction information Stock information; when a latest maintenance rate obtained according to the latest stock information is less than a defined specified maintenance rate, a warning notification is sent to a client device, and a function menu is provided to be displayed on the client device, And receive a trial calculation information returned from the client device, wherein the trial calculation information includes at least one of new maintenance rate, increase in cash, increase of new shares, or sell holdings; and according to the trial calculation information, perform trial calculation to A result is generated and provided to the client device.

To achieve the purpose of the invention, the present invention also discloses a non-transitory computer-readable medium on which a software program is stored. When the software program is executed, at least one electronic device with a computing capability will perform the above-mentioned credit maintenance rate Trial method.

The present invention also discloses a non-transitory computer-readable medium, which stores a software program. When the software program is executed, a client device will receive a warning notification about paying cash to improve the maintenance rate, and then send back a Trial calculation information to obtain a result, wherein the trial calculation information is a new maintenance rate, and the result is a suggestion information, wherein the trial calculation information is at least one of increasing cash, increasing new shares, or selling holdings, and the result is Calculate the retention rate.

To implement the method and system of the present invention, when the latest maintenance rate obtained by the latest stock information is less than a defined specified maintenance rate, the client device receives a warning notification and can obtain a function menu to choose to return a Trial calculation information is used to obtain a recommendation information or a trial maintenance rate result, so that investors can make investment decisions more quickly and easily.

These and other aspects and embodiments will become apparent to those of ordinary skill in the relevant art upon reference to the ensuing detailed description and accompanying drawings.

100: Credit Maintenance Ratio Trial Calculation System

110: transaction content storage device

120:Stock information collection device

130: warning notification generation device

140: Information generating device

142: Suggested information generating device

144: Maintenance rate calculation device

146: Individual stock information generating device

148:Individual stock maintenance rate calculation device

150: Network

160: client device

S202: step

S204: step

S206: step

S208: step

300: Individual stock credit transaction information

302: data field

304: data field

306: data field

350: Entire Account Credit Transaction Information

352: data field

400: Suggest information function

402: data field

404: trial calculation button

406: Suggested information

408: data field

410: data field

412:Detail button

450:Proposal Information Details

500:Maintenance rate calculation function

502: data field

504: trial calculation button

506: data field

700: Add new share function

710: Displays the addition of new stock modules

712: Add button

720: Add new stock module

722: OK button

900: trial calculation function of individual stock maintenance rate

902: Individual stock selection function

904: data field

912: Function menu

914: data field

916: trial calculation button

918: Advice Information

1014: data field

1018: Trial calculation results

1114: data field

1118: Trial calculation results

302_1~302_16: record

800: function of selling shares

The online account opening system and method and computer program products described in the present invention will use various A kind of embodiment is further described. The detailed descriptions of these embodiments are all based on the accompanying drawings, and are non-limiting embodiments, wherein the same reference numerals indicate similar structures presented between the figures of different viewing angles, and wherein: the first figure is based on A system architecture diagram of the credit maintenance ratio trial calculation system of the embodiment of the present invention.

The second figure is a flow chart of the credit maintenance ratio trial calculation method according to the embodiment of the present invention.

The third picture A and the third picture B are customer credit transaction information used in the embodiment of the present invention.

The fourth figure A and the fourth figure B are schematic diagrams of an example of the trial calculation function of the whole household maintenance rate according to the embodiment of the present invention.

The fifth figure is a schematic diagram of another example of the trial calculation function of the whole household maintenance rate according to the embodiment of the present invention.

The sixth picture is a schematic diagram of the first example of the trial calculation function of the entire account maintenance rate based on the fifth picture when the trial calculation information is the specified transaction information.

The seventh picture A and the seventh picture B are schematic diagrams of the second example of the trial calculation function of the entire account maintenance rate based on the fifth picture when the trial calculation information is the designated transaction information.

The eighth picture A and the eighth picture B are schematic diagrams of the third example of the trial calculation function of the entire account maintenance rate based on the fifth picture when the trial calculation information is the designated transaction information.

Figure 9 is a schematic diagram of the first example of the trial calculation function of individual stock maintenance rate according to the embodiment of the present invention.

Figure 10 is a schematic diagram of the second example of the trial calculation function of individual stock maintenance ratio according to the embodiment of the present invention.

Figure 11 is a schematic diagram of the third example of the trial calculation function of individual stock maintenance rate according to the embodiment of the present invention.

Embodiments will now be described in detail with reference to the accompanying drawings of the present invention. In the accompanying drawings, identical and/or corresponding elements are denoted by identical reference symbols.

Various embodiments will be disclosed herein; however, it is to be understood that the disclosed embodiments are merely illustrative of the various forms that can be embodied. Furthermore, each example given in conjunction with the various embodiments is intended to be illustrative, not limiting. Further, the drawings are not necessarily to scale and certain features are exaggerated to show details of particular elements (and any dimensions, materials and similar details shown in the drawings are intended to be illustrative only and not limiting) . Therefore, specific structural and functional details disclosed herein are not to be interpreted as limiting, but merely as a basis for teaching one skilled in the relevant art to practice the disclosed embodiments.

In the following detailed description of a number of exemplary embodiments, reference is made to the accompanying drawings, which form a part hereof. It is shown by way of illustration by way of example by which the described embodiments can be practiced. Sufficient detail is provided to enable those skilled in the art to practice the described embodiments, but it is understood that other embodiments may be utilized, and other changes may be made, without departing from the spirit or scope thereof. Furthermore, while it may be, references to "an embodiment" do not necessarily pertain to that same or singular specific embodiment. Therefore, the following detailed description is not intended to be limiting, and the scope of the described embodiments is defined only by the appended claims.

The first figure is a system architecture diagram of a credit maintenance ratio trial calculation system according to an embodiment of the present invention. The credit maintenance rate trial calculation system 100 of the embodiment of the present invention can be used in financial institutions that can provide customers with loans to buy and sell stocks in the form of margin financing and securities lending. The following will take securities companies as examples of financial institutions for illustration.

As shown in the first figure, the credit maintenance ratio trial calculation system 100 of the embodiment of the present invention includes Easy content storage device 110 , stock information collection device 120 , warning notification generation device 130 and information generation device 140 . In this embodiment, the transaction content storage device 110, the stock information collection device 120, the warning notification generation device 130 and the information generation device 140 are configured on the server side (not shown in the figure), and the credit maintenance ratio trial calculation system 100 is connected through the network 150 Connect with the client device 160 of the client of the securities company.

In this embodiment, the transaction content storage device 110 is used for storing at least one piece of stock transaction information of the client. The stock information collection device 120 is used to collect the latest stock information according to the client's stock transaction information, here is the current market price of the stock.

The warning notification generation device 130 is used to send a warning notification to the client device 160 when the latest maintenance rate obtained according to the latest stock information is less than the defined specified maintenance rate, and provide a function menu to be displayed on the client device 160, and receive information from Trial calculation information returned by the client device 160 . The trial calculation information returned by the client device 160 may be at least one of new maintenance rate, cash increase, new stock increase, or shareholding sale.

In other embodiments of the present invention, the warning notification generation device 130 can send a URL with a function menu to the client device 160, and the client device 160 can click on the URL to activate the corresponding function according to the hardware equipment of the client device 160 menu.

According to the current regulations of the Ministry of Finance of the Republic of China, the minimum guarantee maintenance rate for credit transactions is 130%. Therefore, according to the regulations of the Ministry of Finance, the designated maintenance rate must be at least 130%. The designated maintenance rate can be determined by the Ministry of Finance according to market conditions. According to different standards, securities companies can also make flexible adjustments above this standard. For example, the specified maintenance rate is set at 160%, that is, when the latest maintenance rate based on the latest stock information is less than 160%, a warning notice will be sent to the customer. End device 160.

The information generation device 140 performs trial calculation according to the trial calculation information to generate a result and provide it to the client device 160 . In this embodiment, the function menu includes the trial calculation function of the entire account maintenance rate and the maintenance of individual stocks. Rate trial function, the whole account maintenance rate trial function also includes the suggested information function and maintenance rate calculation function, so the trial calculation information will be the new maintenance rate, specified transaction information, new maintenance rate corresponding to the target stock, and the specified transaction corresponding to the target stock information, the information generation device 140 will perform trial calculations to generate results according to different trial calculation information.

In this embodiment, the information generation device 140 includes a suggestion information generation device 142 , a maintenance ratio calculation device 144 , an individual stock information generation device 146 , and an individual stock maintenance ratio calculation device 148 .

The suggestion information generating device 142 is used for generating suggestion information using the new maintenance rate as the result when the trial calculation information is the new maintenance rate. The suggested information generating device 142 can be further used to provide suggested information on the client device 160 for display, the suggested information includes at least one of the proposed financing to sell stocks or increase cash at least one of them, and receive suggestions returned from the client device 160 A transaction order, wherein the suggested transaction order is selected from one of the suggested information.

The maintenance rate calculation device 144 is used to calculate the trial calculation maintenance rate based on the specified transaction information when the trial calculation information is the specified transaction information, and provide the trial calculation maintenance rate for display on the client device 160. The specified transaction information includes increasing cash, increasing new shares Or sell at least one of your holdings. The specified transaction information is input by the client device 160 through the maintenance rate calculation function, and the maintenance rate calculation function includes receiving at least one input of increasing cash, increasing new shares or selling holdings.

The individual stock information generation device 146 is used for generating suggestion information as a result by using the new maintenance rate when the trial calculation information is the new maintenance rate corresponding to the target stock, wherein the suggestion information includes target stock price or additional cash payment.

The individual stock maintenance rate calculation device 148 is used to calculate the trial calculation maintenance rate as a result according to the specified transaction information when the trial calculation information is the specified transaction information corresponding to the target stock, and provide the trial calculation maintenance rate to the client device 160 for display. The specified transaction information includes Top up cash or new target price.

The second figure is a flow chart of the credit maintenance ratio trial calculation method according to the embodiment of the present invention.

For the detailed calculation method of the credit maintenance ratio of the embodiment of the present invention, please refer to the first figure together. As shown in the figure, in step S202, at least one stock transaction information is stored.

In step S204, the latest stock information is collected according to the stock transaction information.

In step S206, when the latest maintenance rate obtained according to the latest stock information is less than the defined specified maintenance rate, a warning notification is sent to the client device 160, and a function menu is provided to be displayed on the client device 160, and received from the client device 160 The trial calculation information sent back, wherein the trial calculation information may be at least one of new maintenance rate, cash increase, new stock increase or shareholding sale.

In step S208 , according to the trial calculation information, a trial calculation is performed to generate a result and provide it to the client device 160 . In this embodiment, since the function menu includes the trial calculation function of the entire account maintenance rate and the trial calculation function of the individual stock maintenance rate, the trial calculation function of the entire account maintenance rate further includes a suggestion information function and a maintenance rate calculation function, so the trial calculation information can be the new maintenance rate, Specified transaction information, the new maintenance rate corresponding to the target stock, and the specified transaction information corresponding to the target stock, the following will give detailed examples to illustrate the results of the trial calculation based on different trial calculation information.

Before that, please refer to the third figure A and the third figure B. The third figure A and the third figure B are used to illustrate the customer credit transaction information of the embodiment of the present invention. The customer credit transaction information includes two main parts, The first part is the individual stock credit transaction information 300 shown in the third figure A, and the second part is the whole account credit transaction information 350 shown in the third B figure.

The individual stock credit transaction information 300 includes at least one stock transaction information of the client and the latest stock information is collected according to the stock transaction information. As shown in the third figure A, the individual stock credit transaction information 300 includes records 302_1~302_16, each record 302_1~302_16 represents a stock stock of the client, and each record 302_1~302_16 includes the stock name, entrustment type, transaction average price, stock maintenance rate, Data columns for the number of treasury shares, self-provided funds for financing, financing amount, financing collateral, securities lending collateral, securities lending collateral, pre-share interest, market price, and market value.

In this embodiment, the stock transaction information includes the name of the stock, entrustment type, average transaction price, number of treasury shares, self-provided funds for financing, financing amount, financing collateral, securities lending collateral, securities lending collateral, and pre-stock interest. Data fields and their corresponding information. In this embodiment, the latest stock information is the data field 302 of the market price and its corresponding information. In addition, in order to let customers understand the market value of their inventory, in this embodiment, the stock transaction information further includes a data field 304 of market value, and the corresponding information is obtained by multiplying the number of stocks in stock by the market price. In addition, the latest maintenance rate calculated according to the latest stock information will also be stored in the data field 306 of the individual stock maintenance rate.

The calculation method of the maintenance rate of individual stocks is as follows: When the entrustment is financing, the maintenance rate of the financing target = (market value of the financing target securities) ÷ (financing amount) × 100%.

When the entrustment is securities lending, the maintenance rate of the securities lending target = (short lending collateral and deposit) ÷ (market value of the securities lending target) × 100%.

Taking record 302_1 as an example, the name of the stock corresponding to record 302_1 is Yinghua (5392), the market value of the financing target securities is 35,400, and the financing amount is 31,000. Therefore, the maintenance rate of the financing target = (market value of the financing target securities) ÷ ( Financing amount)×100%=35,400/31,000×100%=114.19%.

Whole-account credit transaction information 350 is the customer's financing quota, securities lending quota, and statistics of 16 stock transaction information in the individual stock credit transaction information 300, specifically including financing quota, financing balance, surplus financing balance, guarantee The market value of products, the market value of financing securities, the amount of securities lending, the balance of securities lending, the balance of Shengyu securities lending, the collateral and margin of securities financing, and the market value of securities lending. and its corresponding information. In addition, based on these information, the maintenance rate of the entire account will be calculated and displayed in the data field 352. In this embodiment, the data field 352 is displayed as 158.40%.

The formula for calculating the entire account maintenance rate is as follows: Guarantee maintenance rate = (Market value of financing collateral securities + securities lending collateral and margin + market value of marketable securities or other commodities paid in) ÷ (financing amount + market value of underlying securities for securities lending) × 100%

For the detailed calculation method, please refer to Article 53 of the Operational Measures for Margin Trading and Securities Lending by Securities Firms, which is the information published by the Taiwan Stock Exchange.

As mentioned above, in this embodiment, the function menu includes the trial calculation function of the entire account maintenance rate, and the trial calculation function of the entire account maintenance rate further includes the function of suggesting information and the function of calculating the maintenance rate. Therefore, the trial calculation information can be the new maintenance rate and specified transaction information . The following will cooperate with the fourth picture A and the fourth B picture and refer to the first picture at the same time, explaining that the function menu is the suggested information function in the trial calculation function of the whole account maintenance rate, and when the trial calculation information is the new maintenance rate, perform a trial calculation to generate the result, and provide To the example of the client device 160.

As shown in FIG. 4A , the suggested information function 400 will be displayed on the client device 160 , and the customer will input trial calculation information through the client device 160 . In this embodiment, the trial calculation information is the new maintenance rate. The customer enters the trial calculation information in the data field 402 next to "Target maintenance rate:" in the suggested information function 400 through the client device 160, which is the new maintenance rate. In this embodiment, , the new maintenance rate is 170%.

Then, after the customer presses the trial calculation button 404 through the client device 160 , the client device 160 sends back the trial calculation information, ie, the new maintenance rate of 170%, to the suggestion information generating device 142 of the information generating device 140 . The suggestion information generation device 142 uses the new maintenance rate to generate suggestion information 406 and provides the suggestion information 406 to the client device 160 for display. The suggestion information 406 includes at least one of suggested financing to sell stocks or increase cash.

In this embodiment, the suggested information 406 displayed on the client device 160 includes adding The data field 408 of the cash, the data field 410 of the reduction part and the corresponding information. Specifically, the data column 408 of increasing cash and the corresponding information are displayed as $20,400, which means that if the customer increases cash by $20,400, the target maintenance rate will be 170%.

The data column 410 of the reduction part and its corresponding information show that the sale: 1 ticket of Ying Hua (5392), the sale of a ticket: 1 ticket of Jiabiqi (6197), the sale of a ticket: 1 ticket of Winbond Electronics (2344) And capital sale: 1 sheet of Pinan (8088), the customer can press the detailed information button 412 to get more detailed information 450 of suggested information as shown in Figure 4B. When the stock is sold, the target maintenance rate of 170% will be achieved. In this embodiment, the generating suggestion information detailed data 450 is selected and generated from the customer's individual stock credit transaction information 300, it first selects the one with the lower data value in the data column of the individual stock maintenance rate, finds its corresponding record and starts Output suggestions, here is the record where the data column of the stock name is Yinghua (5392), Jiabiqi (6197), Winbond (2344) and Pinan (8088), and the corresponding stock name is displayed , entrustment type, number of treasury shares, average transaction price, individual stock maintenance rate, financing self-provided funds and the corresponding information. In this embodiment, the suggested information detailed data 450 also includes data fields of weight reduction type, weight reduction/repayment number of shares, transaction date, power of attorney number and corresponding information added by the suggested information generating device 142 .

In addition, when the customer can return the suggested transaction order according to the detailed information 450 of the suggested information to notify the salesperson to carry out the transaction suggested by the suggested information 406, it means selling Yinghua (5392) and Jiabiqi (6197) in financing , Winbond Electronics (2344) and Pinan (8088) each.

The following will cooperate with the fifth figure and refer to the first figure to explain that when the function menu is the maintenance rate calculation function in the whole account maintenance rate trial calculation function and the trial calculation information is the specified transaction information, the trial calculation is performed to generate the result and provided to the client device 160 example of .

As shown in the fifth figure, the maintenance rate calculation function 500 will be displayed on the client device 160, and the customer The user will input trial calculation information via the client device 160 . In this embodiment, the trial calculation information is the specified transaction information input by the customer, which includes at least one of increasing cash, increasing new shares or selling shares. When inputting at least one of "$ input amount", "please select the part you want to increase" or "please select the part you want to decrease", the specified transaction information is the information entered by the customer. Specifically, when the customer chooses to input "$ input amount" in the data column 502 of "Options", it means that the customer wants to make up the input amount, so the designated transaction information is the added cash. When the customer chooses to input "Please select the part to be added" in the data column 502 of "Options", it means that the customer wants to add new shares, and the specified transaction information is to add new shares. When the customer chooses to input "Please select the part to reduce" in the data column 502 of "Options", it means that the customer wants to sell the stock, and the specified transaction information is the sale of the stock.

Next, after the customer presses the trial calculation button 504 via the client device 160 , the client device 160 returns the specified transaction information to the maintenance rate calculation device 144 of the information generation device 140 . The maintenance rate calculation device 144 calculates a trial maintenance rate based on the specified transaction information as a result, and provides a trial maintenance rate 506 for display on the client device 160 .

The sixth figure illustrates the situation when the customer chooses to input "$ input amount" in the data field 502 of "Options" via the client device. As shown in the figure, when the customer enters the specified transaction information through the client device 160, he selects to input "$ input amount" in the data field 502 of "Options", indicating that the customer wants to make up the input amount. Therefore, the specified transaction information That is to increase the cash, at this time, you want to increase the cash by $26,000. Next, after the customer presses the trial calculation button 504 via the client device 160 , the client device 160 returns the specified transaction information to the maintenance rate calculation device 144 of the information generation device 140 . The maintenance rate calculation device 144 calculates a trial maintenance rate of 173.54% based on the specified transaction information as a result, and provides the trial calculation maintenance rate of 173.54% to the client device 160 and displays it in the data column 506 .

The seventh figure A and the seventh figure B illustrate the situation when the customer chooses to input "please select the part to be added" in the data field 502 of the "option" through the client device. As shown in Figure 7A, when the customer chooses to input "Please select the part to be added" in the data column 502 of "Options", it means that the customer wants to add new shares, and the specified transaction information is the increase of new shares.

In this embodiment, when the customer wants to add new shares, the function 700 of adding new shares as shown in FIG. 7B will be displayed on the client device 160 . Adding new shares function 700 includes displaying and adding new shares module 710 and adding new shares module 720. When the customer presses the new button 712 at the display of adding new shares module 710, the client device 160 will display adding new shares module 720, and the customer can Add new shares in module 720 of adding new shares. After the customer presses the confirmation button 722 in the new stock addition module 720, the client device 160 will return to the display of the new stock addition module 710 to display the newly added new stock.

In this embodiment, the specified transaction information input by the customer includes financing to buy TSMC (2330) at $230 and securities lending to sell Uni-President Super (2912) at $315. Next, after the customer presses the trial calculation button 504 via the client device 160 , the client device 160 returns the specified transaction information to the maintenance rate calculation device 144 of the information generation device 140 . The maintenance rate calculation device 144 calculates a trial maintenance rate of 172.95% based on the specified transaction information as a result, and provides the trial calculation maintenance rate of 172.95% to the client device 160 and displays it in the data column 506 .

The eighth figure A and the eighth figure B illustrate the situation when the customer chooses to input "please select the part to be reduced" in the data field 502 of the "option" through the client device. As shown in Figure 8A, when the customer chooses to input "Please select the part to reduce" in the data column 502 of "Options", it means that the customer wants to sell the holding, and the specified transaction information is the selling of the holding.

In this embodiment, when the client wants to sell the shares, the function 800 of selling shares as shown in FIG. 8B will be displayed on the client device 160 . The function 800 of selling shares includes stock information of individual stocks and Corresponding to the specified transaction order of individual stocks, the stock information of individual stocks is obtained from the records in the customer's individual stock credit transaction information 300, which includes the data columns of stock name, entrustment type, number of stocks in stock, average transaction price, individual stock maintenance rate, and self-provided funds for financing digits and the corresponding information. The designated transaction orders corresponding to individual stocks are the old part of reduction, cash repayment, cash bond repayment, the data fields of the number of shares and the corresponding information. Customers can enter the designated transaction order for each record .

In this embodiment, the specified transaction information input by the customer includes 1 piece of Yinghua (5392) for the old part of the reduced code, 1 piece of Jiabiqi (6197) for the old part of the reduced code, and 1 piece of Huabangdian (2344) repaid in cash open. Next, after the customer presses the trial calculation button 504 via the client device 160 , the client device 160 returns the specified transaction information to the maintenance rate calculation device 144 of the information generating device 140 . The maintenance rate calculation device 144 calculates a trial maintenance rate of 168.86% based on the specified transaction information as a result, and provides the trial calculation maintenance rate of 168.86% to the client device 160 and displays it in the data column 506 .

In addition, in other embodiments of the present invention, the customer chooses to input "$ input amount", "please select the part to be added" or "please select the part to be subtracted" in the data column 502 of "option" via the client device 160. At least one of them means that the customer can choose to input "$ input amount" and "please select the part you want to increase", "$ input amount" and "please select the part you want to reduce" in the data field 502. Please select the part you want to increase" and "Please select the part you want to reduce" or "$ input amount", "Please select the part you want to increase" and "Please select the part you want to reduce", the customer enters in the data field 502 All the input data will become the specified transaction information.

In this embodiment, the function menu includes a trial calculation function of the maintenance rate of individual stocks, and the trial calculation information may be the new maintenance rate of the corresponding target stocks and the designated transaction information of the corresponding target stocks. The following will refer to the ninth figure and refer to the first figure to illustrate an example of performing a trial calculation to generate a result when the function menu is a trial calculation function of individual stock maintenance rate and the trial calculation information is a new maintenance rate, and providing the result to the client device 160 .

As shown in FIG. 9 , the trial calculation function 900 of individual stock maintenance ratio will be displayed on the client device 160 , and the customer will input the trial calculation information through the client device 160 .

Individual stock maintenance ratio trial calculation function 900 includes individual stock selection function 902. Customers can select individual stock inventory information in individual stock selection function 902. Individual stock inventory information is obtained from the records in the customer's individual stock credit transaction information 300, including stock name, order type, market price, The data fields of the number of treasury shares and the maintenance rate of individual stocks and the corresponding information. Specifically, the customer selects the individual stock record he cares about through the data field 904 of the stock name. After the selection is completed, the data fields of order type, market price, inventory stock, individual stock maintenance rate and corresponding information will be generated.

In this embodiment, the customer selects the record corresponding to the stock Ying Hua (5392) through the data field 904 of the stock name, so the client device 160 displays that the stock Ying Hua (5392) is in the credit transaction of the customer's individual stock The data fields of entrustment type, stock quantity, market price, individual stock maintenance rate and corresponding information recorded in the information 300.

In addition, the trial calculation function 900 of individual stock maintenance rate includes a function menu 912. Customers can choose to input data in the data fields corresponding to "Target Maintenance Rate", "New Target Price" or "Supplementary Cash", and the trial calculation information is the customer's input. data of. In this embodiment, since the maintenance rate of Yinghua (5392) stock is too low, and the customer wants to increase the maintenance rate, the customer will select "Target Maintenance Rate" in the function menu 912 through the client device 160 and enter it in the data column 914 Input, here, take the input of 180% as an example, the trial calculation information will be the new maintenance rate of 180%.

Next, after the customer presses the trial calculation button 916 via the client device 160 , the client device 160 returns the trial calculation information, namely the new maintenance rate of 180%, to the individual stock information generating device 146 of the information generating device 140 .

The individual stock information generating device 146 utilizes this trial calculation information, namely, the new maintenance rate of 180% to generate suggestions Proposal information 918 is provided on the client device 160 for display. The suggestion information 918 includes at least one of suggested financing to sell stocks or increase cash. In this implementation, the suggested information 918 includes the data fields of target stock price, target maintenance rate, and supplementary payment amount. Specifically, the data field of the target stock price is displayed as 55.8 yuan, which represents the value of the stock Ying Hua (5392). When the stock price is 55.8, the target maintenance rate of 180% will be achieved. In addition, the data column of the additional payment amount shows 11,333, which means that if the customer increases cash by $11,333, the target maintenance rate of 180% will also be achieved.

In addition, in other embodiments of the present invention, the customer can select "target maintenance rate" in the function menu 912 through the client device 160 and input other maintenance rates in the data field 914, and the trial calculation information is the information input by the customer.

The following will cooperate with Figure 10 and Figure 11 and refer to Figure 1 and Figure 9 at the same time to explain that when the function menu is the trial calculation function of individual stock maintenance rate and the trial calculation information is the specified transaction information corresponding to the target stock, perform trial calculation to generate results. Two examples are provided to client device 160 .

As shown in FIG. 10 , the trial calculation function 900 of individual stock maintenance ratio will be displayed on the client device 160 , and the customer will input the trial calculation information through the client device 160 . In the example, the parts that are the same as those in Figure 9 will be omitted from the relevant description.

In addition, the trial calculation function 900 of individual stock maintenance rate includes a function menu 912. Customers can choose to input data in the data fields corresponding to "Target Maintenance Rate", "New Target Price" or "Supplementary Cash", and the trial calculation information is the customer's input. data of. In this embodiment, since the maintenance rate of Yinghua (5392) stock is too low, the customer thinks that if the stock price rises, it will help to increase the maintenance rate. The customer will select "New Target Price" in the function menu 912 through the client device 160 ” and input the specified transaction information in the data field 1014. Here, taking the input of 60 as an example, the trial calculation information will be the specified transaction information, that is, the target stock price is 60.

Then, after the client presses the trial calculation button 916 via the client device 160, the client device 160 returns the specified transaction information to the individual stock maintenance rate calculation device 148 of the information generation device 140 . The individual stock maintenance rate calculation device 148 calculates a trial calculation maintenance rate based on the specified transaction information, and provides the trial calculation maintenance rate to the client device 160 , and displays it in the trial calculation result 1018 .

In this embodiment, the trial calculation maintenance rate will be displayed in the data field of the target maintenance rate in the trial calculation result 1018 . In addition, the specified transaction information entered, that is, the new target price of 60 will also be displayed in the data column of the target price in the calculation result 1018, which means that when the stock price of Ying Hua (5392) is 60, the target maintenance rate will be 193.5% .

In addition, in other embodiments of the present invention, the customer can select "New Target Price" in the function menu 912 through the client device 160 and input other specified transaction information in the data field 1014, and the trial calculation information is the specified transaction input by the customer Information.

As shown in the eleventh figure, the trial calculation function 900 of the individual stock maintenance rate will be displayed on the client device 160 , and the customer will input the trial calculation information through the client device 160 . In the example, the parts that are the same as those in Figure 9 will be omitted from the relevant description.

In addition, the trial calculation function 900 of individual stock maintenance rate includes a function menu 912. Customers can choose to input data in the data fields corresponding to "Target Maintenance Rate", "New Target Price" or "Supplementary Cash", and the trial calculation information is the customer's input. data of. In this embodiment, since the maintenance rate of the stock Yinghua (5392) is too low, the customer thinks that paying additional cash will help improve the maintenance rate. Cash" and enter the specified transaction information in the data field 1014. Here, taking the input of 12,000 as an example, the trial calculation information will be the specified transaction information, that is, additional cash payment of 12,000.

Next, after the customer presses the trial calculation button 916 via the client device 160 , the client device 160 sends back the specified transaction information to the individual stock maintenance rate calculation device 148 of the information generating device 140 . The individual stock maintenance rate calculation device 148 calculates the trial calculation maintenance rate according to the specified transaction information, and calculates the trial calculation The maintenance rate is provided to the client device 160 and displayed in the calculation result 1118 .

In this embodiment, the trial calculation maintenance rate will be displayed in the data column of the target maintenance rate in the trial calculation result 1118 . In addition, the specified transaction information entered, i.e. the additional cash payment of 12,000, will also be displayed in the data column of the additional cash payment in the trial calculation result 1118, which means that if the customer pays the additional cash of 12,000, the stock Yinghua (5392) will achieve the target maintenance rate 186.3%.

In addition, in other embodiments of the present invention, the customer can select "Supplementary cash payment" in the function menu 912 through the client device 160 and input other specified transaction information in the data field 1114, and the trial calculation information is the specified transaction input by the customer Information.

In addition, the credit maintenance ratio trial calculation method in the embodiment of the present invention can also be executed by using a software program stored in a non-transitory computer-readable medium. The software program can be executed by a general electronic device with computing power, in other words, it has computing power A general electronic device can execute the operation defined by the software program stored in the non-transitory computer-readable medium to perform the credit maintenance ratio trial calculation method of the embodiment of the present invention.

In addition, the method for calculating the credit maintenance ratio in the embodiment of the present invention can also be executed by using a software program stored in a non-transitory computer-readable medium. After the warning notice of the rate, return the trial calculation information to obtain a result, wherein the trial calculation information is the new maintenance rate, and the result is the suggestion information, wherein the trial calculation information is to increase cash, increase new shares or sell at least one of the holdings One, the result is the trial maintenance rate.

To sum up, the present invention provides a credit maintenance ratio trial calculation system and method and computer-readable media, which will simultaneously protect the rights and interests of financial institutions and provide customers of financial institutions with faster and easier The trial calculation method of credit maintenance ratio, on the one hand, can achieve the purpose of reducing the operating cost of financial institutions, and on the other hand, can achieve the goal of saving time and cost of customers of financial institutions Purpose. In addition, the present invention can send a warning notification in real time when the latest maintenance rate obtained by the customer's latest stock information is lower than the specified maintenance rate set by the customer or financial institution, and immediately advise the customer how to deal with the stocks they invest in, so as to protect the customer property and reduce customer losses. In addition, the present invention can send a warning notification in real time when the latest maintenance rate obtained from the latest stock information of the customer is lower than the specified maintenance rate, and the customer can choose how to deal with the stocks he invests in and calculate the new maintenance rate, which will achieve the goal of providing A faster and easier way to calculate the credit maintenance ratio for customers, so as to achieve the purpose of protecting customers' property.

100: Credit Maintenance Ratio Trial Calculation System

110: transaction content storage device

120:Stock information collection device

130: warning notification generation device

140: Information generating device

142: Suggested information generating device

144: Maintenance rate calculation device

146: Individual stock information generating device

148:Individual stock maintenance rate calculation device

150: Network

160: client device

Claims (20)

A credit maintenance ratio trial calculation system, comprising: a transaction content storage device configured to store at least one stock transaction information; a stock information collection device configured to collect the latest stock information according to the stock transaction information; a warning notification generation device , configured to send a warning notification to a client device when a latest maintenance rate obtained according to the latest stock information is less than a defined specified maintenance rate, and provide a maintenance rate trial calculation function menu to be displayed on the customer terminal device, and receive a trial calculation information returned from the client device in response to the maintenance rate trial calculation function menu, wherein the maintenance rate trial calculation function menu includes: a new maintenance rate or one of a plurality of specified transaction information; and An information generating device configured to perform a trial calculation based on the trial calculation information to generate a result and provide it to the client device; wherein the trial calculation information includes at least one of new maintenance rate, increase in cash, increase of new shares, or sale of holdings one. As for the credit maintenance rate trial calculation system described in item 1 of the scope of the patent application, wherein, the maintenance rate trial calculation function menu includes a whole account maintenance rate trial calculation function, wherein the whole account maintenance rate trial calculation function includes a suggestion information function and a Maintenance rate calculation function. The credit maintenance rate trial calculation system described in item 2 of the scope of the patent application, wherein the information generating device further includes: a suggestion information generating device configured to respond to the new maintenance rate returned by the maintenance rate trial calculation function menu When the trial calculation information is described, a suggestion information is generated by using the returned trial calculation information as the result. The credit maintenance ratio trial calculation system described in item 3 of the scope of the patent application, wherein the suggestion information generating device is further configured to provide the suggestion information on the client device for display, wherein the suggestion information includes at least one file The suggested financing is at least one of selling stocks or increasing cash, and receiving a suggested transaction order returned from the client device, wherein the suggested transaction order is selected from one of the suggested information. The credit maintenance rate trial calculation system described in item 2 of the scope of the patent application, wherein the information generating device further includes: a maintenance rate calculation device configured to return all the specified transaction information in response to the maintenance rate trial calculation function menu When the trial calculation information is described, a trial calculation maintenance rate is calculated according to the returned trial calculation information as the result, and the trial calculation maintenance rate is provided on the client device for display, wherein the returned trial calculation information includes increasing cash , increase new shares or sell holdings at least one of them. The credit maintenance rate trial calculation system described in item 5 of the scope of the patent application, wherein the trial calculation information returned is input by the client device through the maintenance rate calculation function, and the maintenance rate calculation function includes Receive an input of at least one of increasing cash, adding new shares, or selling holdings. As for the credit maintenance rate trial calculation system described in item 1 of the scope of the patent application, wherein the maintenance rate trial calculation function menu includes a stock maintenance rate trial calculation function. The credit maintenance rate trial calculation system described in item 7 of the scope of the patent application, wherein the information generation device further includes: a stock information generation device configured to return all the credit maintenance rate due to the new maintenance rate in the maintenance rate trial calculation function menu When using the trial calculation information, the returned trial calculation information is used to generate a suggestion information as the result, wherein the suggestion information includes target stock price or additional cash payment. The credit maintenance rate trial calculation system described in item 7 of the scope of the patent application, wherein the information generating device further includes: a stock maintenance rate calculation device configured to return the specified transaction information due to the maintenance rate trial calculation function menu When calculating the trial information, calculate a trial calculation maintenance rate according to the returned trial calculation information as the result, and provide the trial calculation maintenance rate to the client device for display, wherein the returned trial calculation information includes supplementary Pay cash or new target price. A method for calculating the credit maintenance rate, comprising the following steps: storing at least one stock transaction information; collecting the latest stock information according to the stock transaction information; when the latest maintenance rate obtained according to the latest stock information is less than one of the definitions When the maintenance rate is specified, send a warning notification to a client device, and provide a maintenance rate trial calculation function menu to be displayed on the client device, and receive feedback from the client device corresponding to the maintenance rate trial calculation function menu Trial calculation information, wherein the maintenance rate trial calculation function menu includes: new maintenance rate or one of multiple specified transaction information, and the trial calculation information includes at least one of new maintenance rate, cash increase, new share increase, or shareholding sale 1; and performing a trial calculation according to the trial calculation information to generate a result and provide it to the client device. As for the maintenance rate trial calculation method described in item 10 of the scope of the patent application, wherein, the maintenance rate trial calculation function menu includes a whole-household maintenance rate trial calculation function, wherein the whole-household maintenance rate trial calculation function includes a suggestion information function and a maintenance rate calculation function. As for the maintenance rate trial calculation method described in item 11 of the scope of the patent application, the step of performing trial calculations to generate the above results further includes: When the trial calculation information returned by the new maintenance rate of the maintenance rate trial calculation function menu is used, a suggestion information is generated by using the returned trial calculation information as the result. The maintenance rate trial calculation method described in item 12 of the scope of the patent application further includes the following steps: providing the suggested information on the client device for display, wherein the suggested information includes at least one proposed financing to sell stocks or increase cash at least one of them, and receive a suggested transaction command returned from the client device, wherein the suggested transaction command is selected from one of the suggested information. The maintenance rate trial calculation method described in item 11 of the scope of the patent application, wherein the step of performing the trial calculation to generate the result further includes: when returning the trial calculation information in response to the specified transaction information in the maintenance rate trial calculation function menu, Calculate a trial calculation maintenance rate according to the returned trial calculation information as the result, and provide the trial calculation maintenance rate on the client device for display, wherein the returned trial calculation information includes increasing cash, increasing new shares or selling out of at least one of them. The maintenance rate trial calculation method described in claim 14 of the scope of the patent application, wherein the trial calculation information sent back is input by the client device through the maintenance rate calculation function, and the maintenance rate calculation function includes receiving Enter at least one of adding cash, adding new shares, or selling holdings. As for the maintenance rate trial calculation method described in item 10 of the scope of the patent application, wherein the maintenance rate trial calculation function menu includes a stock maintenance rate trial calculation function. As for the maintenance rate trial calculation method described in item 16 of the scope of the patent application, wherein, the step of performing the trial calculation to generate the result further includes: In response to the trial calculation information returned by the new maintenance rate in the maintenance rate trial calculation function menu, use the returned trial calculation information to generate a suggestion information as the result, wherein the suggestion information includes target stock price or supplementary payment cash. The maintenance rate trial calculation method described in item 16 of the scope of the patent application, wherein, the step of performing trial calculation to generate the suggested information: when responding to the trial calculation information returned by the specified transaction information in the maintenance rate trial calculation function menu, Calculate a trial calculation maintenance rate according to the returned trial calculation information as the result, and provide the trial calculation maintenance rate on the client device for display, wherein the returned trial calculation information includes supplementary cash or new target price . A non-transitory computer-readable medium on which is stored a software program that, when executed, will cause at least one electronic device with a computing capability to perform any one of items 10 to 18 of the scope of the patent application The method for calculating the credit maintenance ratio mentioned above. A non-transitory computer-readable medium, storing a software program. When the software program is executed, a client device will receive a warning notification about paying cash to improve the maintenance rate, and return a trial calculation information to obtain a Result, wherein the trial calculation information is a new maintenance rate, the result is a suggestion information, wherein the trial calculation information is at least one of increasing cash, increasing new shares or selling holdings, and the result is a trial calculation maintenance rate.

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