WO2014209014A1 - Dispositif de gestion de sécurité pour actifs contractuels et procédé de fonctionnement associé - Google Patents

Dispositif de gestion de sécurité pour actifs contractuels et procédé de fonctionnement associé Download PDF

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Publication number
WO2014209014A1
WO2014209014A1 PCT/KR2014/005635 KR2014005635W WO2014209014A1 WO 2014209014 A1 WO2014209014 A1 WO 2014209014A1 KR 2014005635 W KR2014005635 W KR 2014005635W WO 2014209014 A1 WO2014209014 A1 WO 2014209014A1
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WIPO (PCT)
Prior art keywords
security right
security
signal
asset
setting
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PCT/KR2014/005635
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English (en)
Korean (ko)
Inventor
구민수
오철호
김동주
Original Assignee
Koo Min Soo
Oh Chel Ho
Kim Dong Joo
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Application filed by Koo Min Soo, Oh Chel Ho, Kim Dong Joo filed Critical Koo Min Soo
Publication of WO2014209014A1 publication Critical patent/WO2014209014A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present invention relates to a security management apparatus for a contractual asset and a method of operating the same, and more specifically, to secure and secure the stability and liquidity of the security right by setting a security right in a contractual asset such as a futures contract, an option contract, and the like. It relates to technology for.
  • a financial customer who is holding a financial asset at a financial institution or who is in a position to receive payment through settlement with a financial institution may obtain a loan from a financial institution or an individual, etc. as collateral for the held financial asset or the expected settlement amount, or It may be obliged to make an agreement to pay or transfer all or part of the planned settlement amount on a regular or irregular basis or in accordance with prescribed conditions or for other reasons.
  • a security right for example, pledge
  • a security right When a security right is established for a financial asset held by a financial institution, the acts of transfer, use, withdrawal, withdrawal, and sale by the owner of the financial asset are restricted, and the financial institution holding the asset is also paid to the owner. Disposal, withdrawal or withdrawal is prohibited. According to the legislation, when a custodial financial institution keeps the financial asset with a restricted disposal, the security right may be regarded as directly occupied or issued. Even if there is no provision under the legislative act, the security right is set to the stakeholders of the financial asset.
  • a security right may be established for a financial asset in a manner that includes the act of notifying that it is present or externally indicating that the security right is secured in the financial asset.
  • security rights are currently being set for securities and deposits among various financial assets, but there is no technology to secure the status of the security rights by setting up security rights for futures / option contracts and limiting the disposal of customers.
  • futures / options contracts are not securities representing property rights, or securities, and therefore are based on the combination of rights and securities to facilitate the transfer and exercise of rights.
  • securities are inherently different from securities prepared to secure the circulation of securities.
  • the contract itself is difficult to transfer in addition to liquidation or settlement of the contract through the other party or clearing house. It was difficult to secure liquidity.
  • the valuation value of futures / option contracts is often characterized by fluctuations in the price of the underlying asset on which the contract is based, so that the amount that the financial institution should return to the customer is fixed or easily predictable. There is a big difference.
  • the present invention is to solve the above problems, by setting a security right for the contractual assets, and at the same time by registering a fixed date for the contractual assets provided as collateral to obtain a counter force, the customer based on the contractual assets It is possible to smoothly raise funds, but secure a security right on the contractual assets provided as collateral, thereby stably guaranteeing the position of the secured creditor.
  • a collateral management apparatus for a contractable asset includes an account information database including information about a customer's assets that can be displayed and managed as an account and a security right set as the collateral, wherein the information about the security right is based on whether a restriction on disposal of the security right is set.
  • An interface module for receiving a security right setting signal for setting up a security right by using the contractual property of the customer as collateral to secure the debt of the customer, wherein the security right setting signal requests the setting of the security right and the security right to be set up; At least one of information about a customer agreeing to a setting, wherein the contractual asset comprises at least one of a futures contract and an option contract; A validity judgment module for determining validity of the security right setting signal; A security management module reflecting the setting of the security right specified by the security right setting signal by setting a disposal restriction on the contractual asset in the account information database when the validity judgment module determines that the security right setting signal is valid; And a confirmation date registration module that registers a confirmation date with respect to the security right in order to obtain a counter force of the security right set in the contractual asset.
  • a method of operating a security management apparatus for a contractable asset comprises: receiving a security right setting signal for setting up a security right by using the contractual property of the customer as collateral to secure the debt of the customer, wherein the security right setting signal requests to set up the security right and the security right to be set up; Or at least one of information about a customer agreeing to a security right, the contractual asset comprising at least one of a futures contract and an option contract; Determining the validity of the security right setting signal; If it is determined that the security right setting signal is valid, reflecting the setting of the security right specified by the security right setting signal by setting a disposal restriction on the contractual asset in an account information database; And registering a fixed date with respect to the security right set in the contractual asset to obtain the counterfeit of the security right, wherein the account information database is displayed as an account and manages the assets of the customer and the asset as collateral.
  • the information on the security right is set, and the information on the security right may include attribute information on whether to set
  • a computer-readable recording medium having a program recorded thereon for performing a method of operating a security management apparatus is provided.
  • the present invention establishes a security right for a contractual asset and at the same time obtains a counter force by registering a fixed date for the contractual property provided as collateral, thereby allowing the customer to smoothly fund the contractual asset, A secured security right on contractual assets provided as collateral can be reliably guaranteed to secure the status of the secured creditor.
  • FIG. 1 illustrates a security management system according to an embodiment of the present invention.
  • FIG. 2 illustrates a security management apparatus for a contractable asset according to an embodiment of the present invention.
  • FIG 3 illustrates an example of an account information database according to an embodiment of the present invention.
  • FIG. 4 illustrates a method of operating a security management apparatus for a contractable asset according to an embodiment of the present invention.
  • FIG. 5 illustrates a method of operating a security management apparatus for a contractable asset according to another embodiment of the present invention.
  • FIG. 6 illustrates a method of operating a security management apparatus for a contractable asset according to another embodiment of the present invention.
  • FIG. 7 illustrates a method of operating a security management apparatus for a contractable asset according to another embodiment of the present invention.
  • FIG. 8 illustrates a method of operating a security management apparatus for a contractable asset according to another embodiment of the present invention.
  • FIG. 1 illustrates a security management system according to an embodiment of the present invention.
  • the system 100 may include a customer terminal 110, a notary server 120, a secured creditor server 130, and a secured management server 140.
  • a terminal may be referred to herein as an electronic hardware device used to enter or display data in a computer or computing system, and a server may be referred to as a computer for processing a request from a client computer in a network environment. have.
  • FIG. 1 a terminal, a server, and the like are shown as an apparatus for performing the present invention, but these are merely examples, and various computing devices may be used according to an embodiment to which the present invention is applied.
  • the notary institution server may be used instead of the notary institution server.
  • the technology and the spirit of the present invention will be described with reference to the customer terminal 110, the notary public server 120, the security rights holder server 130, and the security management server 140 shown in FIG. 1. do.
  • the customer terminal 110 refers to a terminal of a customer who applies for a loan while providing an asset deposited in his account (eg, a security account, a bank account, etc.) as collateral.
  • assets provided as collateral means any assets that can be managed and displayed as an account.
  • assets may include securities (e.g., stocks, bonds, beneficiaries, ELS, etc.), deposits, derivatives (e.g., futures options, etc.), savings, depositable assets, and ELFs. It may include at least one.
  • the asset is an asset directly managed by a separate registration or registration process, and may include an asset that can be managed by an account as a right that occurs based on a registered / registered ranking.
  • assets can be divided into contractual assets and non-contractable assets.
  • a contractual asset is an asset formed on the basis of a contract between the parties (for example, a loan for consumption), and there is an obligation to settle each other based on a certain condition, period, and the like.
  • Contractual assets may include, for example, futures contracts, option contracts, deposits, savings, deposits, and the like.
  • Non-contractual assets are assets that are not contractual assets, and there is no settlement obligation between the parties.
  • Non-contractual assets may include, for example, stocks.
  • futures contracts are predetermined prices (the futures price) of a certain amount of specific products, such as products with standardized quantities and specifications or financial assets (for example, foreign exchange, CDs, government bonds, etc.) at a specific point in time (the settlement date).
  • a type of transaction in which a contract is executed by selling the contract itself before the settlement date of the futures contract (transaction or liquidation transaction) or by making a purchase or payment on the spot on the settlement date of the futures contract is called futures trading.
  • These futures contracts are standardized terms and conditions of delivery, and there is no risk of transaction because the performance of the contract is guaranteed by the settlement institution.
  • Futures trading takes place on an accredited exchange where approximately 97% of futures contracts are settled by sell transactions (anti-sold or liquidated trades) before the actual futures contracts are fulfilled.
  • Korea's futures exchanges are trading treasury bonds, options, CDs, securities, interest rates, stock indices, dollars, and gold.
  • an option contract is a contract for trading the right to purchase or sell a certain product at a predetermined price within a predetermined validity period, and the right to purchase at a predetermined price is called a call option.
  • the right to sell at the price of is called a put option.
  • the option is that the buyer and the seller enter into a contract at the price of the option called premium, and the person who obtains the rights by paying the premium and buying the option is called the option buyer, sells the right to receive the premium, and A person who has an obligation is called an option seller.
  • Notary agency server 120 refers to a server that is directly or indirectly operated by an agency capable of performing a notary public service, where an agency capable of performing a public notary job is, for example, a legal corporation, a legal corporation ( Limited), legal associations, notarized corporations, etc.
  • the secured creditor server 130 refers to a server that is directly or indirectly operated by a secured creditor providing loan services based on assets provided by a customer.
  • the secured creditor may be an individual or an institution that provides loan services. For example, it may include securities firms, banks, savings banks, financial, insurance companies and the like.
  • the collateral management server 140 refers to a server that is directly or indirectly managed by the asset manager to manage the security right set in the customer's asset, where the asset manager directly or indirectly occupies the asset of the customer, and the asset of the customer. It may include an individual or an institution that has administrative authority over, for example, securities firms, banks, savings banks, financial companies, insurance companies, and the like.
  • the secured creditor server 130 and the secured management server 140 are shown in separate configurations, but may be integrated into one configuration according to an embodiment.
  • a customer may apply for a loan with collateralized assets deposited in his account.
  • the secured creditor may assess the assets provided as collateral and then incur loan principals to the customer.
  • Loan principal refers to loans borrowed from the security right by the customer, and includes loan principal and loan interest, and may further include remaining loan principal if some of the loan principal is repaid. In the event of damages caused by default, delay in performance, tort, etc., such damages may also be included in the loan principle.
  • a security right may be established for the asset provided by the customer as collateral.
  • the asset manager can create a counterforce to the security right. Specifically, if the client's assets for which the security right is established are non-contractable assets, the asset manager shall present the rights in the customer account, such as a securities account, which lists the asset return liabilities that are responsible for storing and returning certain assets from the customer. By writing this, the counter force of the security right can be generated. In particular, the generation of counter force by description of the customer account book is legal based on the agreement between the parties, related laws (for example, Article 311, etc. on the Capital Markets and Financial Investment Business Act), and specifically corresponds to the computerized customer account book. The counter force can be generated by computer-recording the rights status in a database (eg, the account information database 270 of the present invention).
  • a database eg, the account information database 270 of the present invention.
  • An asset manager is a stakeholder who occupies and / or manages a customer's assets, and is a party who will either accept the security right for the asset or actively accept the security right. Specifically, the asset manager may request the registration of the date of confirmation as to the stakeholder who has the right to approve the establishment of the security right, and the information on the acceptance of the security right is to express the contents of the security right and the intention to approve the establishment of the security right.
  • the asset manager may request the confirmation date to register the contents of the security right notification by receiving the right of notification of the security right setting from a customer having the right of notification of the security right setting, and the content of the security right notification may be referred to. And a declaration of security right notification.
  • the notary body may register a date of confirmation for the contents of the security right acceptance and / or notice of the security right setting, and transmit the contents of the confirmation date to the asset manager.
  • acceptance of a security right when a notary body registers a firm date, the legal force and security rights of the security firm are registered.
  • the notary body registers the firm date.
  • the legal force i.e., the countervailing force of the security right, will be generated by the date of registration registered upon receipt.
  • the present invention describes the technology and spirit of the present invention with respect to assets for which security rights have been set for simplicity of explanation, the present invention may also be applied to other rights for setting disposal restrictions other than security rights or assets for which disposal restrictions have been set by agreements between the parties.
  • the invention can be applied.
  • the security right is described as setting up a security right on the customer's assets in order to secure the loan service, that is, the loan debt provided to the customer, this is illustrative, and the security obligations of various configurations according to the embodiment to which the present invention is applied Can be applied.
  • a security agreement can be established on a client's assets with a performance obligation that the debtor pays for the obligation to transfer or pay the assets to the creditor.
  • FIG. 2 illustrates a security management apparatus 200 for a contractable asset according to an embodiment of the present invention.
  • Apparatus 200 is used by an asset manager to implement the present invention, and may be implemented as, for example, a computing device such as a server, a terminal, or the like.
  • the device 200 includes an interface module 210; Validity determination module 220; Collateral management module 230; Transaction execution module 240, collateral execution module 250; Loan module 260;
  • the account information database 270 and the confirmation date registration module 280 may be included.
  • the interface module 210 may communicate with at least one of a customer, a security right holder, and a manager.
  • the interface module 210 may receive at least one of a security right setting signal for a customer's asset, a security right execution signal, a sell signal of the customer's asset, and a buy signal using the customer's asset.
  • the reception may be made by a customer terminal, a security rights server, or by receiving a intention about a management action of a customer through a wired line or a branch visit. In addition, the reception may be received from an administrator of the security management apparatus.
  • the interface module 210 may transmit a security right inquiry query signal and a security right execution query signal.
  • the interface module 210 may transmit an approval request message for a buy order or a sell signal to the security rights holder, and in response to the transmission, The interface module 210 may receive an approval message for a buy order or a sell signal from the security right holder.
  • the interface module 210 is connected to the asset. At least one of the security right holder and the customer of the established security right may be notified of the decrease in the maintenance security ratio.
  • the validity determination module 220 may determine the validity of various signals received by the interface module 210. This determination may be performed according to a criterion of validity with reference to the account information database 270. Criteria for validity may be arbitrarily determined by agreement or agreement between the parties, or may be determined by law, etc., and different criteria may be applied depending on the nature or type of the management activity of the security right.
  • the validity determination module 220 may determine the validity of the buy signal or the sell signal. In one example, the validity determination module 220 may determine the validity of the buy signal or the sell signal according to whether information about the customer or the security right holder who transmits or agrees to the buy signal or the sell signal is valid. Whether information about the customer or the secured creditor is valid may be determined by various authentication methods available in the art, such as login-authentication, certificate, and digital signature. In one example, the interface module 210 transmits an approval request message for a buy order or a sell signal to the secured creditor of the security right set in the asset, and in response to the transmission, the interface module 210 receives the buy order or sell signal from the secured creditor.
  • the validity determination module 220 may determine that the buy signal or the sell signal is valid. In one example, the validity determination module 220 may determine the validity of the buy signal or the sell signal with reference to the information on whether to allow the release of the purchase limit or the release of the sale limit on the asset in the account information database 270. Can be.
  • the account information database 270 may include information on whether to permit the release of the purchase limit or the release of the sale limit, which is separate from the disposal restriction set on the asset of the security right, wherein the purchase limit
  • the registration and withdrawal of the information regarding whether to permit the release of the license or the cancellation of the sale restriction is made according to the intention of the secured creditor, and the secured creditor's intention may be input to the account information database 270 by the secured creditor or the manager.
  • the validity determination module 220 may refer to the account information database 270 and determine that the buy signal or the sell signal is valid when the purchase limit or the sell limit is released.
  • the validity determination module 220 may determine that the buy signal or sell signal is not valid. In an example, when the time when the interface module 210 receives the buy signal or the sell signal does not satisfy the predetermined period range, the validity determination module 220 may determine that the buy signal or the sell signal is not valid.
  • the validity determination module 220 may determine the validity of the security right setting signal.
  • the validity of the security right setting signal may be determined according to whether information about a customer who requests security right setting or included in the security right setting signal is valid.
  • the security right included in the security right setting signal is included.
  • the validity of the security right setting signal may be determined according to whether information about other security right holders who request a request or agree to the security right is valid.
  • Whether information about a customer or a security right holder requesting the security right or agreeing to the security right is valid may be determined by various authentication methods available in the art, such as login-authentication, certificate, and digital signature.
  • the interface module 210 may transmit a security right setting inquiry signal to the customer or the security right holder in order to validate the security right setting signal, and in response thereto
  • the validity determination module 220 may re-determine the validity of the security right actual signal.
  • the validity determination module 220 may determine that the security right setting signal is not valid. In one example, when the time when the interface module 210 receives the security right setting signal does not satisfy the predetermined period range, the validity determination module 220 may determine that the security right setting signal is not valid.
  • the validity determination module 220 may determine the validity of the security right execution signal. In one example, the validity determination module 220 may determine the validity of the security right setting signal according to whether information about the security right customer that requests or consents to the security right included in the security right execution signal is valid. The validity of information about the secured creditor or the customer requesting the secured right or agreeing to execute the secured right may be determined by various authentication methods available in the art, such as login-authentication, certificate, and digital signature. In addition, when the validity determination module 220 determines that the security right execution signal is not valid, the interface module 210 may transmit the security right execution query signal to the security rights holder or the customer in order to validate the security right execution signal.
  • the validity determination module 220 may re-determine the validity of the security right execution signal. In one example, if the interface module 210 does not receive a security right execution signal from a specific person such as a customer or a security rights holder, the validity determination module 220 may determine that the security right execution signal is not valid. In one example, when the time when the interface module 210 receives the security right execution signal does not satisfy a predetermined period range, the validity determination module 220 may determine that the security right execution signal is not valid.
  • This configuration of the validity determination module 220 is exemplary, and various validity determination methods may be used according to an embodiment to which the present invention is applied.
  • the security management module 230 may manage the security right set in the asset.
  • the security management module 230 may reflect the setting of the security right for the asset in the account information database 270 by setting a disposal restriction on the asset of the customer in the account information database 270.
  • the security management module 230 may reflect the termination of the security right set in the asset in the account information database 270 by releasing the disposal restriction set in the customer's asset in the account information database 270.
  • the security management module 230 may release or set at least one of the disposal restrictions set on the asset to perform a transaction on the customer's asset, even if the security right module 230 does not reflect the setting or termination of the security right.
  • the security management module 230 sets a disposal restriction on the new asset in the account information database 250 when a new asset occurs due to liquidation, sell, buy, and dividend from the customer's asset in the account information database 250. This can reflect the setting of security rights for new assets.
  • collateral management module 230 sets a transfer limit and withdrawal limit for the customer's assets including at least the loan principal in account information database 250. Can be.
  • the security management module 230 if the sum of the valuation amount and the loan principal for the asset for which the security right is set is more than a predetermined ratio to the loan principal, the predetermined amount of the customer's assets including at least the loan principal in the account information database 250 The transfer limit and withdrawal limit set for the amount exceeding the ratio can be lifted.
  • the transaction execution module 240 may perform a transaction using a customer's asset.
  • the transaction may include selling the asset, buying the asset, liquidating the asset, and the like.
  • the transaction may be made through a stock exchange, clearing house, etc., and is performed during the validity time of the order, where the validity time of the order means a time for which a buy order, a sell order, etc. requested to the exchange is effective. This order validity time may be from 8:00 am to 6:00 pm.
  • the security execution module 250 may distribute an asset for which the security right is set to the security rights holder. It reflects the legal effect of the enforcement of security rights. In detail, when the interface module 210 receives the security right execution signal and the validity determination module 220 determines that the security right is valid, distribution by the security execution module 250 is performed.
  • the collateral execution module 250 may directly distribute the collateral to the security rights holder, or may cash out the collateral through liquidation, sale, and the like. This distribution allows the customer to pay his debts.
  • the loan module 260 may generate a loan by securing the customer's assets.
  • the loan may be performed by transferring the loan principal to the customer's account, while setting the security right on the asset provided by the customer as collateral.
  • the loan by the loan module 260 may be provided directly or indirectly.
  • the collateral management device 200 may provide a loan directly to a customer or relay a loan provided by another lender to the customer.
  • the account information database 270 may include information about the security rights of the customer and the security rights set as the collateral.
  • the customer's asset means an asset owned by the customer and managed as an account, and the information about the asset may include the item, quantity, and value of the asset.
  • the information on the security right is to uniquely specify the security right from other security rights, and may include, for example, information on the collateral, the security right, the security obligation, the setting of the disposal restriction set on the security.
  • the account information database 270 corresponds to the computerized customer account book based on agreements between the parties, related laws (e.g., Article 311 of the Capital Markets and Financial Investment Business Act, etc.), and in particular, security rights. If the customer's asset is a non-contractual asset, the counterforce can be generated by computer-recording the rights of the security right.
  • Confirmation date registration module 280 may register the date of confirmation with respect to the security right in order to obtain a counter power of the security right, if the asset of the customer for which the security right is set is a contractual asset. This operation of the confirmation date registration module 280 may be performed periodically and / or aperiodically, for example, may be performed whenever a security right is set, the contents of the security right are updated, or may be performed at a predetermined time. .
  • the confirmation date registration module 280 may transmit a request for notifying the security right setting and a request for registration of the confirmation date for the above information to the notary body in order to register the confirmation date with respect to the security right.
  • the contents regarding the acceptance of the security right may include the contents of the security right and the intention of acceptance of the security right, and may be in the form of a completed document or a combination of individual legal components.
  • the confirmation date registration module 280 may transmit the information on the security right setting notification and the confirmation date registration request for the content to the notary body in order to register the confirmation date for the security right.
  • the information on the security right setting notification may include the content of the security right, the intention to express the security right notification, and the delegation of the right to notify the security right setting fact, and may be in the form of a completed document or a combination of individual legal components. Can be.
  • the notary public may register the confirmation date and transmit the confirmation date to the security management device 200, and the security management device 200 may have the security right registered with the confirmation date from the notary authority. Receiving the contents regarding the setting notification, the counter power of the security right by the security right setting notification may occur.
  • An interface module 210 shown in FIG. 2; Validity determination module 220; Collateral management module 230; Transaction execution module 240, collateral execution module 250; It will be appreciated that the loan module 260, the account information database 270 and the settlement date registration module 280 may be implemented by a plurality of physical devices, or may be implemented by one physical device.
  • Each of the loan module 260, the account information database 270, and the confirmation date registration module 280 may be implemented using various methods, such as using software or using firmware.
  • FIG. 3 illustrates an example of an account information database 270 in accordance with one embodiment of the present invention.
  • the account information database 270 refers to a database including various types of information on assets included in a customer's account, for example, a customer's assets and information on a security right set as the collateral. 200 or the manager of the collateral management apparatus 200 or the like, the collateral management apparatus 200 based on the information contained in the account information database 270, the disposal of the customer's assets Can be done.
  • the customer's asset means an asset owned by the customer and managed as an account, and the information about the asset may include the item, quantity, and value of the asset.
  • the information on the security right is to uniquely specify the security right from other security rights, and may include, for example, information on the collateral, the security right, the security obligation, the setting of the disposal restriction set on the security.
  • the various disposal restrictions set on the assets in the account information database 270 may be contents of a security right or a contract set up to cover the debt of the customer.
  • the security right may be, for example, pledge, transfer or security.
  • the legal effect such as the establishment and termination of the security right is generated in accordance with the relevant law or agreement between the parties, the account information database 270 may reflect this legal effect in the data processing process.
  • the account information database 270 corresponds to the computerized customer account book based on agreements between the parties, related laws (e.g., Article 311 of the Capital Markets and Financial Investment Business Act, etc.), and in particular, security rights. If the customer's asset is a non-contractual asset, the counterforce can be generated by computer-recording the rights of the security right.
  • related laws e.g., Article 311 of the Capital Markets and Financial Investment Business Act, etc.
  • New assets may arise from conventional assets in the account information database 270.
  • the occurrence may comprise at least one of an occurrence of a new asset in addition to the conventional asset and an occurrence of a new asset alternative to the conventional asset.
  • conventional securities are extinguished due to the splitting, merging, incineration, etc. of potatoes, capital and stocks, generating new securities or cash (ie, new deposits), or selling cash (ie, by selling securities).
  • New deposits may occur.
  • dividends ie, new deposits
  • dividends may be generated by dividend stocks (ie, new securities) or cash dividends by stock dividends from the conventional securities.
  • interest income may be generated from conventional deposits, or new assets may be generated by buying other assets using conventional deposits.
  • cash ie, new deposits
  • the new asset is registered in the account information database and can inherit the attribute information of the conventional asset.
  • the disposal restriction may also be set for new deposits generated from the conventional contractable asset.
  • the setting allows the new asset to have the same disposal restrictions as before, so that the security right is inherited.
  • the generation of new assets mentioned above is exemplary, and new assets may arise from conventional assets in the account information database 270 in a variety of ways.
  • the security management apparatus 200 may receive information on at least a part of an asset registered in the account information database 270 from at least one of an administrator, a customer, a notary public, and a security rights holder.
  • the security management apparatus 200 may change the information on at least some of the assets registered in the account information database 270 according to the received information. For example, when a security right is set or terminated for a futures contract, information regarding the establishment or termination of the security right is received from at least one of a manager, a customer, a notary public, and a security right holder, and the account information database 270 disposes the futures contract. By setting a restriction or canceling a disposition restriction set in a futures contract, the setting or termination of the security right can be reflected in the account information database 270.
  • the account information database 270 may include attribute information on whether the sale limit, release limit, substitution limit, disposal restriction management agreement for the security is established. have.
  • Securities A is a general securities, with no restrictions being set, and therefore, selling, issuing and replacing Securities A may be permitted.
  • Securities B are securities with a security right and are subject to disposal restrictions, release restrictions and substitution restrictions, and therefore no disposal of securities B is permitted.
  • the account information database 270 may include attribute information on whether to limit the purchase of securities for the settlement amount of the sale.
  • the selling execution amount is generated by the sale of the securities, and means the amount before cashing out. Since the cash is not made, withdrawal and transfer are not allowed for the settlement amount, but only purchase of securities using the settlement amount can be allowed.
  • the selling amount A is not set as a general selling amount, and therefore, the purchase of securities using the selling amount A can be allowed.
  • the settlement amount B is a settlement amount arising from the sale of securities for which the security right is set, and the purchase limit of securities is set. Therefore, the purchase of securities using the settlement price B is not allowed.
  • the account information database 270 may include attribute information on whether a withdrawal limit, transfer limit, and limit on purchase of securities are set for deposits.
  • the deposit is cash included in the account of the customer, and may include the amount of cash that the selling amount is cashed, as well as the cash deposited or transferred by the customer. Therefore, deposits, transfers, and purchases of securities using the deposits are acceptable in principle for deposits.
  • deposit A is a general deposit and no limit is set, therefore, withdrawal and transfer of deposits, purchase of securities using deposits can be allowed.
  • Deposit B is a security deposit with a security right set, with a deposit withdrawal limit, transfer limit, and a purchase limit using deposits. Therefore, no disposal of Deposit B is permitted.
  • the deposit may include a settlement amount.
  • the account information database 270 may include attribute information on whether a sale limit, a factory limit, a substitution limit, and a liquidation limit are set for the futures contract.
  • a futures contract is a contract that promises to acquire or deliver a certain amount of a specific product, such as a standardized quantity or standard, or a financial asset, at a predetermined price on a future settlement date. Therefore, futures contracts are in principle acceptable for sale, issue, substitution and liquidation of contracts.
  • the futures contract A is a general futures contract, with no restrictions set, and therefore, the sale, release, replacement, and liquidation of the futures contract may be allowed.
  • Futures contract B is a futures contract with a security right, which limits the sale, release, substitution and liquidation of futures contracts, and therefore no disposal of futures contract B is permitted.
  • the account information database 270 may include attribute information regarding whether the selling limit, the release limit, the substitution limit, and the liquidation limit are set for the option contract.
  • an option contract is a contract for trading the right to buy or sell a certain product at a predetermined price within a predetermined validity period, and to sell at a predetermined price with a call option and a predetermined price. It is a put option, the right to a license, and is a contractual asset. Therefore, option contracts are in principle acceptable for sale, release, substitution and liquidation of contracts.
  • option contract A is a general option contract, with no restrictions set, and therefore, the sale, release, replacement, and liquidation of the option contract may be allowed.
  • Option contract B is an option contract with a security right, which limits the sale, release, substitution and liquidation of the option contract, and therefore no disposal of option contract B is permitted.
  • the account information database 270 may include attribute information regarding the margin.
  • Margin here is to guarantee the customer's contract, specifically, when the customer buys or sells stocks in a stock trade or when buying or selling a futures / options contract in a futures / options contract, the security of the contracting party guarantees settlement. It means a deposit that requires depositing a certain amount of contract amount in advance to prevent risks of default. The ratio of deposit to contract amount is the margin ratio.
  • Margin rate can be applied to a variety of values depending on the embodiment to which the present invention is applied. As shown, margin A has a buy limit, withdrawal limit, and now limit, and no disposal is allowed.
  • the disposition limit set in Margin A may be a reflection of a security right or an arrangement, and in connection with Margin A, the provider of the receivables (for example, the securities company, etc.) providing the receivables has the highest priority.
  • Futures contract A is a share price futures contract with a maturity date of December 00 and a purchase price of 5,000,000 won.
  • the presently traded price of the contract asset is KRW 5,100,000, which means that the contract asset can be disposed of at the futures exchange where such contract asset is traded, resulting in a profit of 100,000 per contract.
  • contract assets are pledged, and the disposal restrictions are restricted. Therefore, the contract assets cannot be disposed of unless the pledge is removed.
  • Futures contract B like futures contract A, is a stock index futures contract with a different maturity date and no pledge. Therefore, no disposal restriction is set and free disposal is possible.
  • the option contract A is a stock option contract with the expiration date of June 00 for the former, which is a call option with a premium of 100,000 won.
  • the above option means that you have the right to buy one share of E-shares on June 00, the expiration date, with a strike price of 1,200,000. In this case, if the present price is maintained at 1,500,000 won until the expiration date, Gap may earn a profit of 300,000 won according to the call option exercise, and subtract the premium of 100,000 won from the purchase of the call option. This means that you can earn 200,000 won. Since option pledge A has pledges and restrictions on disposal, it is not possible to dispose of it until the pledge is removed.
  • option contract A is registered as a fixed date as of May 20, 2011, and may have opposition to pledge.
  • Option contract B is a stock option contract with a different expiration date and no pledge. Therefore, no disposal restriction is set and free disposal is possible.
  • the account information database 270 may further include information on whether to allow the cancellation of the purchase limit or the sell limit on the asset for which the disposal limit is set. That is, an asset for which a disposal restriction is set is not allowed to dispose of the asset, but may be allowed to sell the asset or purchase the asset only if the security rights owner's consent is obtained. If the sale or purchase is made on the basis of the security right holder's intention, the liquidity of the security can be increased without impairing the stability of the security right. Such a security right holder's intention may be included in the account information database 270 as information on whether to allow the purchase limit or the release of the sale limit.
  • the validity of the sell signal or the buy signal may be determined by referring to the information on whether to cancel the buy limit or the sell limit in the account information database 270.
  • the registration and withdrawal of the information regarding whether to permit the release of the purchase restriction or the release of the sale restriction is made according to the intention of the security right holder, and the intention of such security right is directly or indirectly by the manager or the security right of the security management apparatus 200. It may be input into the account information database 270.
  • the configuration of the account information database 270 of FIG. 3 is an example, and according to an embodiment to which the present invention is applied, any asset that can be managed or traded by an account such as a savings account, an accountable asset, or an ELF may be used.
  • an account such as a savings account, an accountable asset, or an ELF
  • the account information database 270 is divided into two tables 310 and 320 in FIG. 3, this is merely an example, and according to an embodiment to which the present invention is applied, various types of database structures may be used. .
  • FIG. 4 illustrates a method 400 of operating a collateral management apparatus for contractable assets according to another embodiment of the present invention.
  • the interface module 210 may receive a security right setting signal.
  • the security right setting signal is for setting security rights based on the customer's assets as collateral, and may include at least one of information about security rights that are subject to the setting, a customer requesting the security rights, or agreeing to the security rights, and other security rights holders. have.
  • the information on the security right is for uniquely specifying a new security right from another security right, and may include, for example, information about a security, a security right, a security obligation, and the like.
  • the information on the security right may further include information on at least one of the ranking relationship of the security right and the equity relationship between the security rights.
  • the customer when the security right setting signal is transmitted from the customer, the customer may be regarded as requesting the security right setting or agreeing to the security right setting, and similarly, when the security right setting signal is transmitted from another security right holder, the other security right holder may set the security right. May be deemed to request or agree to the security right.
  • the security right setting signal may include information on the reason or basis of the security right setting.
  • the validity determination module 220 may determine the validity of the security right setting signal received by the interface module 210. Step S420 may be performed based on various criteria determined by an agreement between the parties. In one example, the validity of the security right setting signal may be determined according to whether information about a customer who requests security right setting or included in the security right setting signal is valid. In addition, if there is another secured creditor whose rights are restricted due to the establishment of the new secured right (for example, when the existing secured creditor and the secured creditor share their shares in the same rank, etc.), the security right included in the security right setting signal The validity of the security right setting signal can be determined according to whether information on other security right holders requesting the setting or agreeing to the security right is valid.
  • Whether information about a customer or a security right holder requesting the security right or agreeing to the security right is valid may be determined by various authentication methods available in the art, such as login-authentication, certificate, and digital signature.
  • the validity determination module 220 may determine that the security right setting signal is not valid.
  • the validity determination module 220 may determine that the security right setting signal is not valid.
  • the security management module 230 may reflect the security right setting in the account information database 270.
  • the security right setting may be reflected by the security management module 230 by setting the disposition restriction on the assets provided as collaterals in the account information database 270.
  • the security management module 230 may reflect the setting of the security right in the account information database 270 to generate a counter force against a new right relationship based on the security right setting. Can be. This is because the account information database 270 corresponds to the computerized customer account book based on the agreement between the parties, related laws (for example, Article 311, etc. on the Capital Markets and Financial Investment Business Act).
  • step S440 if it is determined that the security right setting signal is not valid (step S420), the interface module 210 may transmit a security right setting inquiry signal to a customer or security right holder who may provide an agreement or request for validating the security right setting signal. have.
  • the interface module 210 receives the security right setting signal in response to the transmission of the setting query signal in step S440 (step S410)
  • the validity determination module 220 may judge the validity of the security right setting signal (step S420). .
  • steps S420 and S440 are performed, at least one of steps S420 and S440 may not be performed according to an embodiment to which the present invention is applied.
  • the confirmation date registration module 280 may register the confirmation date for the security right in order to obtain a counter force of the security right.
  • the step may be performed periodically and / or aperiodically. For example, the step may be performed every time the setting of the security right occurs, or may be performed at a predetermined time point.
  • step S450 may be performed by the confirmation date registration module 280 transmits the information on the approval of the security right setting and the confirmation date registration request for the content to the notary public.
  • the contents regarding the acceptance of the security right may include the contents of the security right and the declaration of the consent of the security right, and may be in the form of a completed document or a combination of individual legal components.
  • an asset manager may request a registration date for the contents of the acceptance of the security right as a stakeholder who has the right to approve the security right. If a confirmation date is registered by a notary public in response to such a request, the force of the security right may be generated by the acceptance of the security right.
  • step S450 may be performed by transmitting a request for notifying the security right and a request for registration of the date of confirmation of the security right to the notary public.
  • the information on the security right setting notification may include the contents of the security right, the intention of the security right notification, and the delegation of the right to notify the security right setting fact, and the form of a completed document or a combination of individual legal components. Can be.
  • the security right setting the customer has the right to notify of the security right setting, and the asset manager is a stakeholder, who is informed of the security right setting by the customer, but in step 410, the interface module 210 is received.
  • the security right setting signal may include information regarding the delegation of the right of notification of the security right setting, in which case the asset manager is delegated the right of notification of the security right setting from a customer who has the right of notification of the security right setting. You can request registration for the date of confirmation. In response to such a request, the notary public registers the confirmation date and transmits it to the security management apparatus 200. When the security management apparatus 200 receives the information on the security right setting notification in which the confirmation date is registered, the security right, The counter-force of the security right may be generated by the notification of the setting.
  • the method 400 upon completion of the customer's debt fulfillment, releases a disposition restriction set in the account information database 270 on the customer's assets for which the security right has been established in connection with the debt.
  • the method may further include reflecting the termination of the security right.
  • the step of reflecting the termination of the security right setting when the partial fulfillment of the debt of the customer is completed, the disposal restriction set on the asset corresponding to the partially fulfilled debt among the assets for which the security right is set in the account information database 270 is released. Thereby, it may include the step of reflecting the termination of the security right by the partial fulfillment of the debt.
  • the method 400 is a loan debt generating a loan principal, and if the sum of the valuation amount and the loan principal for the contractual asset is less than or equal to a predetermined ratio to the loan principal, the interface module 210.
  • the method may further include notifying at least one of the security right holder and the customer of the security right set in the contractual asset to the maintenance mortgage ratio.
  • the method 400 is that if the customer's debt is a loan debt generating a loan principal, the security management module 230 limits the transfer of the customer's assets including at least the loan principal in the account information database 270. And setting a withdrawal restriction.
  • the security management module 230 in the account information database 270 a predetermined ratio of the customer's assets including at least the loan principal It may further comprise the step of releasing the transfer limit and withdrawal restrictions set for the amount exceeding.
  • steps S420, S440, and S450 are performed, but at least one of steps S420, S440, and S450 may not be performed according to an embodiment to which the present invention is applied.
  • FIG. 5 illustrates a method 500 of operating a collateral management apparatus for contractable assets according to another embodiment of the present invention.
  • the interface module 210 may receive a security right execution signal.
  • the signal for executing the security right is to perform the debt by executing the security right and distributing the collateral to the security right holder, and may include at least one of information on the security right subject to execution, the security right holder requesting the execution of the security right, or agreeing to the security right execution. have.
  • the information on the security right is for uniquely specifying the security right from other security rights, and may include, for example, information about a security, a security right, a security obligation, and the like.
  • the information on the security right may further include information on at least one of the ranking relationship of the security right and the equity relationship between the security rights.
  • the security rights holder when a security right execution signal is transmitted from any security rights holder, the security rights holder may be regarded as requesting or agreeing to perform security rights.
  • the security right execution signal may include information on the reason or basis of the security right execution.
  • the validity determination module 220 may determine the validity of the security right execution signal received by the interface module 210. Step S520 may be performed based on various criteria determined by an agreement between the parties. In one example, the validity of the security right setting signal may be determined according to whether information about the security right holder or the customer requesting or agreeing to the security right included in the security right execution signal is valid. The validity of information about the secured creditor or the customer requesting the secured right or agreeing to execute the secured right may be determined by various authentication methods available in the art, such as login-authentication, certificate, and digital signature. These standards are exemplary, and various standards may be applied according to the embodiment to which the present invention is applied.
  • step S530 if the validity determination module 220 determines that the security right execution signal is valid (step S520), the security management module 230 is the disposal restriction set in the asset specified by the security right execution signal in the account information database 270 Can be released.
  • the security execution module 250 may distribute the collateral to the security rights holder may perform the customer's debt.
  • the collateral that is, the assets of the customer, which is the subject of the security right, is distributed to the security rights holder to generate the effect of the execution of the security rights (ie, the fulfillment of the debt). Etc.) and then cash out.
  • the collateral is a contractual asset
  • step S540 generates a clearing or selling price through the liquidation or sale of the contractual asset, and transfers the liquidation or selling price generated in this way to the security right holder of the customer. It can be done by fulfilling the debt.
  • step S540 may be performed by replacing the contractual asset with the collateral holder by the customer.
  • step S550 if it is determined that the security right execution signal is not valid (operation S520), the interface module 210 may provide an agreement or request for validating the security right execution signal among the security right holder or the customer who does not request or agree to the security. A security right execution query signal to a security right holder or a customer.
  • the validity determination module 220 may re-determine the validity of the security right execution signal. There is (step S520).
  • the method 500 may further include the security management module 230 reflecting the execution of the security right for the collateral in the account information database 270.
  • the collateral management module 230 may delete the information on the collateral and the collateral set in the collateral from the account information database 270. have.
  • the collateral management module 230 changes the quantity of the collateral to the remaining quantity in the account information database 270, and deletes the information on the collateral rights set in the collateral. Can be.
  • both S520 and S550 are performed, but at least one of S520 and S550 may not be performed according to an embodiment to which the present invention is applied.
  • FIG. 6 illustrates a method 600 of operating a collateral management apparatus for contractable assets according to another embodiment of the present invention.
  • the method 600 is for establishing a security right in an asset of a customer to secure the loan debt of the customer, and an asset for which the security right of the method 600 is set to purchase the contractual asset in the method 700 of FIG. This can be used.
  • the loan module 260 may generate a loan by collateralizing the customer's assets (especially, deposit).
  • the loan may be performed by transferring the loan principal to the customer's account.
  • the loan by the loan module 260 may be provided directly or indirectly.
  • the collateral management device 200 may provide a loan by directly providing a loan to a customer or by relaying a loan provided by another lender to the customer.
  • the security management module 230 may reflect the setting of the security right for the assets provided as collateral to secure the loan generated in step S610.
  • the reflection may be performed by the collateral management module 230 by setting disposal restrictions on assets provided as collateral in the account information database 270.
  • the security management module 230 may generate a counter force of the security right by reflecting the security right setting in the account information database 270. This is because the account information database 270 corresponds to the computerized customer account book based on the agreement between the parties, related laws (for example, Article 311, etc. on the Capital Markets and Financial Investment Business Act).
  • the determination date registration module 280 may register the determination date with respect to the security right in order to obtain a counter force of the security right set in the asset.
  • the step may be performed periodically and / or aperiodically. For example, the step may be performed every time the setting of the security right occurs, or may be performed at a predetermined time point.
  • the step S630 may be performed by the confirmation date registration module 280 transmitting the information on the approval of the security right setting and the confirmation date registration request for the content to the notary public.
  • the contents regarding the acceptance of the security right may include the contents of the security right and the declaration of the consent of the security right, and may be in the form of a completed document or a combination of individual legal components.
  • an asset manager may request a registration date for the contents of the acceptance of the security right lawfully as a stakeholder who has the right to accept the security right. If a confirmation date is registered by a notary public in response to such a request, the force of the security right may be generated by the acceptance of the security right.
  • the step S630 may be performed by transmitting a request for notifying the security right and a request for registration of a confirmation date for the content to the notary public.
  • the information on the security right setting notification may include the contents of the security right, the intention of the security right notification, and the delegation of the right to notify the security right setting fact, and the form of a completed document or a combination of individual legal components. Can be.
  • the customer has the right of notification of the security right setting, and the asset manager is a stakeholder who is notified of the fact of the security right setting, but when the loan occurs in step 610, the interface module 210 ) May receive information regarding the delegation of the right to notify of the security right setting, and in this case, the asset manager is delegated the right of notification of the security right to be established by the customer who has the right to notify the security right.
  • the notary public registers the confirmation date and transmits it to the security management apparatus 200.
  • the security management apparatus 200 receives the information on the security right setting notification in which the confirmation date is registered, the security right,
  • the counter-force of the security right may be generated by the notification of the setting.
  • step S630 is performed, but step S630 may not be performed according to an embodiment to which the present invention is applied.
  • FIG. 7 illustrates a method 700 of operating a collateral management apparatus for contractable assets according to another embodiment of the present invention.
  • the method 700 is for buying a contractual asset using a secured asset, and the method 400 shown in FIG. 4 may be performed on a contractual asset purchased by the buy transaction of the method 700. have.
  • the interface module 210 may receive a buy signal.
  • the buy signal is a signal for buying contractual assets by using a security right of the customer's assets, and may include information on the type, item, quantity, and purchase price of the right to be bought.
  • the buy signal may be a signal for buying contractual assets using deposits for which a security right for which a counter power is obtained through registration of a fixed date is set.
  • the validity determination module 220 may determine validity of the buy signal received by the interface module 210 in operation S710. In one example, step S720, the validity determination module 220 may be performed by determining the validity of the buy signal in accordance with whether the information about the customer or the security right holder that transmits or agrees to the buy signal. Whether information about the customer or the secured creditor is valid may be determined by various authentication methods available in the art, such as login-authentication, certificate, and digital signature.
  • step S720 the interface module 210 transmits the approval request message for the purchase order to the secured creditor of the security right set in the asset, and in response to the transmission, the interface module 210 for the purchase order from the secured creditor
  • the validity determination module 220 may be performed by determining that the buy signal is valid.
  • step S720 may be performed by the validity determination module 220 with reference to information on whether to allow the release of the purchase limit set in the asset included in the account information database 270. That is, the account information database 270 may include information on whether to allow the release of the purchase limit set on the asset, apart from the disposal limit set on the asset set in the security right, and the validity judgment module 220 refers to this.
  • the purchase signal may be determined to be valid.
  • Information on whether to permit the release of the number of sheets may be input by an administrator or a security right holder of the security management apparatus 200. Since the validity of the buy signal is determined based on the information on whether the purchase limit is permitted by the security right holder, a request for approval of the purchase order is transmitted to the security right holder, and in response to the transmission, the purchaser receives the purchase order from the security right holder. It is possible to quickly reflect the security rights holder's intentions regarding the validity of the buy signal without receiving an acknowledgment message.
  • the validity determination module 220 may determine that the buy signal is not valid. In one example, if the time when the interface module 210 receives the buy signal does not satisfy the predetermined period range, the validity determination module 220 may determine that the buy signal is not valid.
  • the security management module 203 releases the purchase limit set for the asset specified by the purchase signal from the account information database 270. can do.
  • the step S730 may be performed by the security management module 230 releasing the restriction on at least a part of the disposing action (eg, transfer restriction, etc.) in addition to the purchase limit set in the asset.
  • the transaction execution module 240 may perform a purchase transaction on the contractual asset using the asset whose purchase limit is released according to the purchase signal.
  • the transaction may be made through the stock exchange, and the order valid time is performed, where the order valid time means the time that the buy order, the sell order, etc. requested by the exchange is effective, for example, It may be from 8 am to 6 pm.
  • step S720 may be performed by the validity determination module 220 determining the validity of the buy signal based on the margin.
  • the validity judgment module 220 refers to the account information database 270, and the deposit corresponding to the margin determined by the margin of the deposit of the customer for which the security right is not set (i.e., the restriction of disposition is not set). If is present, it can be determined that the buy signal is valid.
  • the method 700 may further include the collateral management module 230 setting a disposition restriction on the margin.
  • the disposition restriction set on the margin may be a reflection of the security right set on the margin.
  • FIG. 8 illustrates a method 800 of operating a security management apparatus for a contractable asset according to another embodiment of the present invention.
  • the method 800 is for selling an asset for which a security right has been set, and the method 800 may be performed for an asset for which a security right has been set and a fixed date is registered by the method 400 illustrated in FIG. 4.
  • the interface module 210 may receive a sell signal.
  • the selling signal is a signal for selling a security right of a customer's assets, and may include information on the type, item, quantity, and selling price of the right to be sold.
  • the selling signal may be for selling at least some of the assets for which the security right is set.
  • the selling signal may be a signal for selling a contractual asset for which a security right for which a security force is obtained through registration of a confirmation date is set.
  • the validity determination module 220 may determine validity of the selling signal received by the interface module 210 in operation S810. In an example, step S820 may determine the validity of the sell signal according to whether the information about the customer or the security right holder who transmits or agrees to the sell signal is valid. Whether information about the customer or the secured creditor is valid may be determined by various authentication methods available in the art, such as login-authentication, certificate, and digital signature. In one example, step S820, the interface module 210 transmits an approval request message for a sell order to the secured creditor of the security right set in the asset, and in response to the transmission, the interface module 210 receives a sell order from the secured creditor for the sell order.
  • the validity determination module 220 may be performed by determining that the selling signal is valid.
  • step S820 may be performed by the validity determination module 220 with reference to information on whether to allow the release of the selling limit set in the asset included in the account information database 270. That is, the account information database 270 may include information on whether to allow the release of the selling limit set in the asset, apart from the disposal limit set on the asset set in the security right, and the validity judgment module 220 refers to the same.
  • the selling signal may be determined to be valid. Information on whether to allow the release of the selling restriction may be input by an administrator or a security right holder of the security management apparatus 200.
  • the validity of the selling signal is judged based on the information on whether the selling limit is previously determined by the security right holder, a request for approval of the selling order is transmitted to the security right holder, and in response to the transmission, the purchase order from the security right owner is It is possible to quickly reflect the security rights holder's intentions regarding the validity of the selling signal without receiving an approval message.
  • the interface module 210 does not receive a sell signal from a specific person such as a customer or a secured creditor
  • the validity determination module 220 may determine that the sell signal is not valid.
  • the time at which the interface module 210 receives the selling signal does not satisfy the predetermined period range, the validity determination module 220 may determine that the selling signal is not valid.
  • step S830 when the validity determination module 220 determines that the selling signal is valid (operation S820), the collateral management module 230 releases the selling restriction set for the asset specified by the selling signal in the account information database 270. can do.
  • step S830 may be performed by the security management module 230 releasing the restriction on at least a part of the disposal action (eg, replacement restriction, etc.) in addition to the selling limit set on the asset.
  • the transaction execution module 240 may perform a sell transaction that sells the assets whose selling restrictions have been released according to the selling signal.
  • the transaction may be made through the stock exchange, and the order valid time is performed, where the order valid time means the time that the buy order, sell order, etc. requested by the exchange is effective, for example, It may be from 8 am to 6 pm.
  • the security management module 230 may set a disposition limit on the selling price generated by selling the asset in the account information database 270 to reflect the setting of the security right for the selling price.
  • the selling price may include both the selling amount and the deposit.
  • the confirmation date registration module may register the confirmation date for the security right set in the selling price in order to obtain the counter force of the security right.
  • the step may be performed periodically and / or aperiodically. For example, the step may be performed every time the setting of the security right occurs, or may be performed at a predetermined time point.
  • step S860 may be performed by the confirmation date registration module 280 transmits the information on the acceptance of the security right setting and the request for registration of the confirmation date for the content to the notary public.
  • the contents regarding the acceptance of the security right may include the contents of the security right and the declaration of the consent of the security right, and may be in the form of a completed document or a combination of individual legal components.
  • an asset manager may request a registration date for the contents of the acceptance of the security right lawfully as a stakeholder who has the right to accept the security right. If a confirmation date is registered by a notary public in response to such a request, the force of the security right may be generated by the acceptance of the security right.
  • step S860 may be performed by transmitting a request for notifying the security right and the date of registration of the confirmation date for the content to the notary public.
  • the information on the security right setting notification may include the contents of the security right, the intention of the security right notification, and the delegation of the right to notify the security right setting fact, and the form of a completed document or a combination of individual legal components. Can be.
  • the security right setting the customer has the right to notice the security right setting, and the asset manager is a stakeholder, who is informed of the security right setting by the customer, but in step 810 is received by the interface module 210.
  • the selling signal may include information on the delegation of the right of notification of the security right setting, in which case the asset manager is delegated the right of notification of the security right setting from a customer having the right of notification of the security right setting.
  • the notary public registers the confirmation date and transmits it to the security management apparatus 200.
  • the security management apparatus 200 receives the information on the security right setting notification in which the confirmation date is registered, the security right,
  • the counter-force of the security right may be generated by the notification of the setting.
  • the method 800 may further include the collateral management module 230 releasing a disposition restriction set in the margin of the customer's assets in the account information database 270. This is because if the disposal limit is set by margin of at least a part of the client's assets according to the margin, the sale of the asset eliminates the need to maintain the margin.
  • the sell signal received in step S810 may be caused by the occurrence of an unreceivable (or receivable) due to the payment failure of the purchase price, a contrary call by a margin call, etc., the sell signal is an asset for which the security right is set It may be for selling at least some of.
  • step S820 in the method 800 may or may not be performed.
  • the method 800 may further include repaying the outstanding balance.
  • the collateral management module 230 releases the disposition restriction set in the margin in the account information database 270, and the collateral execution module 250 displays the amount corresponding to the outstanding amount of the margin and the selling price in which the disposition restriction is released.
  • step S850 in the method 800 may or may not be performed on the remaining balance after the transfer of the selling price. If not performed, the balance may be transferred directly to the secured creditor, at the intention of the secured creditor.
  • a method of operating a security management apparatus includes a program for performing an operation method (400, 500, 600, 700, 800) of the security management apparatus according to the embodiment of the present invention described above with reference to FIGS.
  • the recorded computer readable recording medium can be implemented.
  • Computer-readable recording media include all types of recording devices that store data that can be read by a computer. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, and also include those implemented in the form of carrier waves such as transmission over the Internet.
  • a computer readable recording medium can be distributed over network coupled computer systems so that the code can be stored and executed in a distributed fashion.

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  • Accounting & Taxation (AREA)
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Abstract

Un mode de réalisation de la présente invention concerne un dispositif de gestion de sécurité et un procédé de fonctionnement associé. Le dispositif peut comprendre: une base de données d'informations de compte qui comprend des informations sur les actifs d'un client, qui peuvent être affichées sur un compte et gérées sur celui-ci, et un droit de sécurité établi avec les actifs en tant que garantie, les informations sur le droit de sécurité comprenant des informations d'attribut selon lesquelles une restriction sur une disposition est définie ou non par rapport aux actifs sur lesquels le droit de sécurité a été établi; un module d'interface permettant de recevoir un signal d'établissement de droit de sécurité permettant d'établir un droit de sécurité avec les actifs contractuels du client en tant que garantie afin de sécuriser le passif du client, le signal d'établissement de droit de sécurité comprenant des informations sur le droit de sécurité devant être établi et/ou le client qui demande ou approuve l'établissement du droit de sécurité, et les actifs contractuels comprennent un contrat d'opération à terme et/ou un contrat d'options; un module de détermination de validité permettant de déterminer la validité du signal d'établissement de droit de sécurité; un module de gestion de sécurité permettant de réfléchir l'établissement du droit de sécurité spécifié par le signal d'établissement de droit de sécurité par la définition d'une restriction sur la disposition des actifs contractuels au moyen de la base de données d'informations de compte si le module de détermination de validité détermine que le signal d'établissement de droit de sécurité est valide; et un module d'enregistrement de date fixe permettant d'enregistrer une date fixe pour le droit de sécurité de manière à obtenir un contrepoids pour le droit de sécurité établi sur les actifs contractuels.
PCT/KR2014/005635 2013-06-25 2014-06-25 Dispositif de gestion de sécurité pour actifs contractuels et procédé de fonctionnement associé WO2014209014A1 (fr)

Applications Claiming Priority (2)

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KR1020130073336A KR101519097B1 (ko) 2013-06-25 2013-06-25 계약성 자산에 대한 담보 관리 장치 및 그것의 동작 방법
KR10-2013-0073336 2013-06-25

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KR102199367B1 (ko) * 2018-02-28 2021-01-06 (주)투게더앱스 온라인 대출 중개 서비스를 위한 플랫폼 시스템
KR102135015B1 (ko) * 2019-03-15 2020-07-16 엔에이치투자증권 주식회사 투자 자산 관리 장치 및 그 동작 방법

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JPH10301992A (ja) * 1997-04-23 1998-11-13 Hoomuzu:Kk 不動産担保一括処理システム
KR20070007414A (ko) * 2005-07-11 2007-01-16 주식회사 신한은행 부동산 담보 대출 정보 운용방법 및 시스템과 이를 위한부동산 담보 대출정보 운용서버, 프로그램 기록매체
KR20090024015A (ko) * 2007-09-03 2009-03-06 주식회사 국민은행 금융기관 서버를 통하여 온라인 상에서 담보물의 매매중개를 지원하는 방법 및 시스템
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JPH10301992A (ja) * 1997-04-23 1998-11-13 Hoomuzu:Kk 不動産担保一括処理システム
KR20070007414A (ko) * 2005-07-11 2007-01-16 주식회사 신한은행 부동산 담보 대출 정보 운용방법 및 시스템과 이를 위한부동산 담보 대출정보 운용서버, 프로그램 기록매체
KR20090024015A (ko) * 2007-09-03 2009-03-06 주식회사 국민은행 금융기관 서버를 통하여 온라인 상에서 담보물의 매매중개를 지원하는 방법 및 시스템
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