WO2017067370A1 - 一种限定亏损的金融交易系统 - Google Patents

一种限定亏损的金融交易系统 Download PDF

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Publication number
WO2017067370A1
WO2017067370A1 PCT/CN2016/100157 CN2016100157W WO2017067370A1 WO 2017067370 A1 WO2017067370 A1 WO 2017067370A1 CN 2016100157 W CN2016100157 W CN 2016100157W WO 2017067370 A1 WO2017067370 A1 WO 2017067370A1
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Prior art keywords
server
transaction
financial transaction
client
amount
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PCT/CN2016/100157
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English (en)
French (fr)
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都克威
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文根软件创意有限公司
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Application filed by 文根软件创意有限公司 filed Critical 文根软件创意有限公司
Priority to JP2018521049A priority Critical patent/JP6647763B2/ja
Priority to MYPI2018701589A priority patent/MY194446A/en
Priority to SG11201803400YA priority patent/SG11201803400YA/en
Priority to EP16856803.8A priority patent/EP3367318A4/en
Priority to KR1020187013522A priority patent/KR20180095506A/ko
Priority to US15/770,484 priority patent/US20190057447A1/en
Priority to RU2018114104A priority patent/RU2720362C2/ru
Priority to AU2016342783A priority patent/AU2016342783A1/en
Publication of WO2017067370A1 publication Critical patent/WO2017067370A1/zh
Priority to HK18113568.5A priority patent/HK1254603A1/zh

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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
    • G06Q40/06—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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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

Definitions

  • the present invention relates to the field of financial transaction technology, and more particularly, to a financial transaction system capable of excluding a loss amount or an uncertainty of an investment amount, that is, a financial transaction system capable of limiting a loss.
  • margin trading In the case of spot, futures, or option (selling out) transactions, unless the investor pays 100% of the value of the investment product contract, trading with less than 100% of the contract value is called margin trading.
  • Margin Call will occur in the margin trading system, and even the loss exceeds the investor's trading account asset value (Over-loss). The reason is that the margin system does not mandate investors to preset the stop loss. Once the reverse price of the investment product exceeds the margin, the investor will inevitably be required to recover the deposit, or even the loss exceeds the margin. In this way, the customer needs to bear a huge loss. Uncertain risks, easy to suffer huge losses.
  • the object of the present invention is to solve the technical problem that the current financial investment product margin trading mode is uncertain and the risk is large and vulnerable to huge losses.
  • the present invention provides a financial transaction system for limiting losses, comprising a server end and a client, wherein the server end is connected to the client through a network;
  • the server side includes a plurality of servers, and the server is provided with a financial transaction unit;
  • the client includes a plurality of clients adapted to perform real-time financial transactions by sharing the financial transaction unit;
  • the financial transaction unit includes a limit price locking module and a compulsory transaction module, and the limit price locking module is adapted to set a target profit margin, a stop loss range and an investment amount of the financial transaction, when the price of the investment product touches or exceeds the target
  • the compulsory transaction module is adapted to immediately settle the transaction product at the price P.
  • the server side includes a primary server, a first server, a second server, a third server, and a dealer server, and the primary server, the first server, the second server, and the third server constitute a top server end, a primary server is respectively connected to the first server, a second server, and a third server; the first server, the second server, and the third server are both connected to the dealer server, and the dealer server is in the Between the top-level server side and the client; the client's client includes a dealer client, a dealer agent client, and an investor client, the dealer server being respectively connected to the dealer client, Dealer agent client and investor client;
  • the financial transaction unit in the main server is a financial transaction unit I, and the financial transaction unit I is converted into a financial transaction unit II after being subjected to SQL data processing, and the financial transaction unit II is in the first server, Shared between the second server and the third server;
  • the financial transaction unit II in the first server, the second server, and the third server is shared with the dealer server, the financial transaction unit II in the dealer server and the dealer client, The dealer agent client and the investor client share.
  • the primary server, the first server, the second server, and the third server are each provided with a backup server.
  • the limit price locking module of the financial transaction unit II in the investor client includes an input module, wherein the input module is used for the investor to input the target profit margin and the investment amount, and is used for manually inputting the stop loss.
  • the range or the profit margin corresponding to the target profit margin is automatically input according to the target profit margin.
  • the mandatory transaction module of the financial transaction unit II in the investor client includes a confirmation transaction module, and after the input module inputs the target profit margin, the stop loss magnitude, and the investment amount, the confirmation transaction module is configured according to the The target profit margin, stop loss range and investment amount are automatically calculated to calculate the transaction quantity, target profit amount and stop loss amount of the investment product and display on the interface.
  • the investor selects the confirmation transaction according to the transaction quantity, target profit amount and stop loss amount. Or cancel the transaction.
  • the financial transaction unit II of the dealer server includes a market data collection module of the invested product, and the market data collection module is configured to acquire an instant quote of the invested product, and transmit the real-time quote to the transaction.
  • Merchant client, dealer agent client, and investor client are configured to acquire an instant quote of the invested product, and transmit the real-time quote to the transaction.
  • the confirmation transaction module issues a prompt to re-quote the price change, and automatically calculates the transaction quantity of the investment product again according to the changed price.
  • the investor chooses to confirm the transaction or cancel the transaction according to the number of transactions, the target profit amount and the stop loss amount.
  • the financial transaction unit II in the investor client includes a display module, and the display module is configured to display the real-time quotation of the invested product and at least the following data of the current level and all lower-level dealer agents:
  • the forced transaction module immediately performs transaction settlement on the investment product at the price P
  • the settlement data is processed by the dealer server and transmitted to the display module to display the knot. Calculate transaction records and investor account information.
  • the investor account information includes a transaction detail including details of the settlement transaction and the unsettled transaction, and the fund details including the deposit amount, the withdrawal amount, the credit amount, and the balance amount.
  • the financial transaction unit II in the investor client includes an investment product selection module
  • the financial transaction unit 1 in the main server includes a transaction charging mode selection module
  • the investment product selection module is configured to select a product category to be invested, and the transaction charging mode selection module is configured to select a commission charging mode of the dealer.
  • the invention has the beneficial effects that the invention provides a brand-new financial transaction system, which does not set the contract expiration date (Maturity) as the settlement time, but whether the latest offer of the relevant investment product is touched by the dealer (Dealer) or Beyond the stop price or target profit price set by the investor, the transaction will be settled as soon as the latest offer touches or exceeds the stop price or target profit price set by the investor.
  • Maturity contract expiration date
  • the latest quotation of the investment product may not touch the stop price or the target profit price set by the investor itself, and the dealer is required to settle the bill, provided that the dealer charges the service fee or handling fee to the investor.
  • the dealer unconditionally allows the investor to request the dealer to settle the latest quotation of the investment product without touching the stop price or target profit price set by the investor.
  • the present invention has no fixed contract value, and the number of contracts per transaction depends on the investor's two choices:
  • the amount of investment also known as the transaction amount
  • the invention encourages investors to think about it first, and the risk tolerance and target return are major considerations for all investments.
  • investors are required to comply with the following two requirements: a) to determine and then move; b) settlement losses do not exceed the original budget. This requires investors to enter the investment amount and target profit margin and stop loss before confirming each transaction.
  • the investor and the dealer agree to settle only by the investor's stop loss or the target profit margin.
  • the transaction Settlement immediately, the investor's transaction amount is equal to the amount of the loss, and the potential maximum loss can be predicted.
  • the latest transaction price of investment products has exceeded the investor's pre-investment price in the event that the price of the investment product has experienced a sharp shock or a holiday break (Price Gap Up or Price Gap Down). If the stop loss is set, the final settlement loss of the investor will be greater than the preset stop loss.
  • the present invention embodies an important spirit: both investors and dealers are willing to give up unexpected gains or profits in exchange for not exceeding their own risk tolerance ( The margin of the stop loss).
  • Figure 1 is a schematic block diagram of an embodiment of the present invention
  • FIG. 2 is a block diagram showing the composition of the financial transaction unit II of the present invention.
  • top server side 1 main server 10; first server 100; second server 101; third server 102; dealer server 2; client 3; dealer client 30; dealer agent client 31; Investor client 32.
  • the financial transaction system of the present invention includes a top-level server 1, a dealer server 2, and a client 3.
  • the dealer server 2 is between the top server 1 and the client 3.
  • the top server side 1 includes a main server 10, a first server 100, a second server 101, and a third server 102, and the main server 10 is connected to the first server 100, the second server 101, and the third server 102, respectively, and the first server 100
  • the second server 101 and the third server 102 are both connected to the dealer server 2;
  • the client 3 includes a dealer client 30; a dealer agent client 31 and an investor client 32, and the dealer server 2 is connected to the transaction respectively.
  • the main server 10 is provided with a financial transaction unit I, and performs a SQL (Structured Query Language) data processing on the financial transaction unit I, and then converts into a financial transaction unit II, and the financial transaction unit II is respectively stored in the first server 100. And shared by the second server 101 and the third server 102; then, the financial transaction unit II shared in the first server 100, the second server 101, and the third server 102 is stored in the dealer server 2 for sharing; then, the dealer The financial transaction unit II shared in the server 2 is sequentially downloaded and stored in the dealer client through an FTP (File Transfer Protocol), a switch, a firewall, and an Internet based on IP (Internet Protocol). 30.
  • the dealer agent client 31 and the investor client 32 share.
  • the primary server 10 the first server 100, the second server 101, and the third server 102 are each provided with a backup server.
  • the financial transaction unit II includes a limit price locking module, a compulsory transaction module, a market data collection module and a display module.
  • the limit price locking module includes an input module, and provides an input interface for the investor to input the target profit margin. Stop loss range and investment amount, among which, the stop loss range has two input modes: 1. The input module automatically inputs according to the value of the target profit margin, and its value is the same as the target profit margin; 2. The input by the investor, the value can be Same or different from the target profit. The target profit margin and investment amount are input by investors.
  • the target profit margin and stop loss range are both USD5 and the investment amount is USD1000
  • USD5 USD5
  • USD4 the investment amount
  • the market data collection module is used to send a price source (Price Feed) provided by a data source provider (for example, Reuters/Bloomberg) to the dealer server 2 via the Internet, obtain an instant quote of the invested product, and transmit the real-time quote to the Trader client 30, dealer agent client 31 and investor client 32.
  • a price source Price Feed
  • a data source provider for example, Reuters/Bloomberg
  • the display module includes at least an instant quotation interface, an unsettled transaction interface, a canceled or rejected transaction interface, a settlement transaction record interface, and an investor account data interface, respectively for displaying the real-time quotation of the invested product, the level and all sub-dealer agents.
  • the fund details include details of deposit amount, withdrawal amount, credit amount and balance amount.
  • the above target profit margin, stop loss range and investment amount, as well as the number of transactions automatically calculated according to it, the target profit amount and the stop loss amount, and the real-time quotes are displayed in the display module.
  • the investors are based on the number of transactions, the target profit amount and The amount of loss chooses to confirm the transaction or cancel the transaction.
  • the investor confirms the transaction if the real-time quote changes, it is confirmed that the transaction module needs to re-quote the price change. Show, and automatically calculate the transaction quantity, target profit amount and stop loss amount of the investment product according to the changed price and display it in the display module. The investor selects again according to the new transaction quantity, target profit amount and stop loss amount. Confirm the transaction or cancel the transaction.
  • the confirmation transaction module automatically and immediately settles the investment product at the price P, without the user selecting .
  • the target profit margin is USD5
  • the stop loss range is USD5
  • the target profit margin stop loss range
  • the investment amount is USD1000.
  • the confirmation transaction module automatically calculates the transaction amount according to the stop loss range and the investment amount.
  • the maximum loss amount is controlled at the stop loss amount of USD1000. Even if the gold skyrockets or plunges, for example, if the price is greatly gapped, the gain or loss is determined. Exclude the risk margin of uncertainty in the amount of loss in trading patterns.
  • the financial transaction unit II further comprises an investment product selection module
  • the financial transaction unit I comprises a transaction charging mode selection module
  • the investment product selection module is used for selecting the type of products to be invested, such as selecting precious metals such as gold, pound sterling, etc., crude oil
  • the transaction charging mode selection module is used to select a dealer's commission charging mode, such as a price difference mode or a fee mode.
  • the present invention focuses on the risks that investors are willing and able to assume. Therefore, once the investor has preset the transaction amount and the stop loss range, there is no need to deposit the margin at all, so there is no need to increase the margin (Margin Call), and it is impossible for the loss to exceed the investment principal, which greatly reduces the investment risk.

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Abstract

本发明公开了一种限定亏损的金融交易系统，包括多个服务器和客户机，所述服务器中设有金融交易单元；所述客户机适于通过共享所述金融交易单元进行实时金融交易；所述金融交易单元包括限价锁定模块和强制交易模块，所述限价锁定模块适于设定金融交易的目标盈利幅度、止损幅度和投资金额，当投资产品的价格触及或超越所述目标盈利幅度或止损幅度两者中较先者所对应的投资产品价格P时，所述强制交易模块适于即时以所述价格P对投资产品进行交易结算。本发明要求投资者在确认每笔交易前都必须输入投资金额和目标盈利幅度及止损幅度，配合交易双方同意仅以止损幅度或目标盈利幅度进行结算，投资者的交易金额就等于亏损额了，可预知潜在最大亏损。

Description

一种限定亏损的金融交易系统 技术领域
本发明涉及金融交易技术领域，更具体地，本发明涉及能排除亏损金额或投资金额不确定性的金融交易系统，即能限定亏损的金融交易系统。
背景技术
投资涉及风险与回报。投资市场一直源用的办法要么无法满足投资者的回报要求，要么往往为他们带来不符合预期的风险。
保证金和杠杆
无论在现货、期货，还是期权(沽出)交易中，除非投资者付出投资产品合约价值的100％进行交易,否则，以少于100％合约价值的资金进行交易便称之为保证金交易。
以美国期油的例子说明保证金交易的工作机制：
合约数量：1000桶；
成交价：USD 40/桶；
合约价值：USD 40,000；
假若投资者A以合约价值的100％，即USD 40,000进行交易,行内人称之为实货交易。
假若投资者A以合约价值的10％即USD 4,000进行交易,杠杆率为10倍，行内人称之为保证金交易或杠杆交易。
保证金交易制度会发生追收保证金(Margin Call)，甚至亏损超过投资者交易帐户资产值(Over-loss)。理由是，保证金制度没有强制要求投资者预设止损幅度，一旦投资产品价格逆向变化幅度超过保证金，投资者无可避免被追收保证金，甚至亏损超过保证金，这样，客户需要承受极大的亏损不确定风险，易蒙受巨额损失。
发明内容
本发明的目的是为解决目前金融投资产品保证金交易模式亏损不确定的风险大，易遭受巨额损失的技术问题。
为了实现上述发明目的，本发明提供了一种限定亏损的金融交易系统，包括服务器端和客户端，所述服务器端通过网络与所述客户端连接；
所述服务器端包括多个服务器，所述服务器中设有金融交易单元；
所述客户端包括多个客户机，所述客户机适于通过共享所述金融交易单元进行实时金融交易；
所述金融交易单元包括限价锁定模块和强制交易模块，所述限价锁定模块适于设定金融交易的目标盈利幅度、止损幅度和投资金额，当投资产品的价格触及或超越所述目标盈利幅度或止损幅度两者中较先者所对应的投资产品价格P时，所述强制交易模块适于即时以所述价格P对投资产品进行交易结算。
进一步地，所述服务器端包括主服务器、第一服务器、第二服务器、第三服务器和交易商服务器，所述主服务器、第一服务器、第二服务器及第三服务器构成顶层服务器端，所述主服务器分别连接到所述第一服务器、第二服务器及第三服务器；所述第一服务器、第二服务器及第三服务器均连接到所述交易商服务器，所述交易商服务器介于所述顶层服务器端与所述客户端之间；所述客户端的客户机包括交易商客户机、交易商代理人客户机和投资者客户机，所述交易商服务器分别连接到所述交易商客户机、交易商代理人客户机和投资者客户机；
所述主服务器中的所述金融交易单元为金融交易单元Ⅰ，所述金融交易单元Ⅰ经过SQL数据化处理后转换成金融交易单元Ⅱ，所述金融交易单元Ⅱ在所述第一服务器、第二服务器和第三服务器中共享；
所述第一服务器、第二服务器和第三服务器中的金融交易单元Ⅱ与所述交易商服务器共享，所述交易商服务器中的金融交易单元Ⅱ与所述交易商客户机、 交易商代理人客户机和投资者客户机共享。
进一步地，所述主服务器、第一服务器、第二服务器及第三服务器均设有备用服务器。
进一步地，所述投资者客户机中的金融交易单元Ⅱ的限价锁定模块包括输入模块，所述输入模块用于投资者输入所述目标盈利幅度和投资金额，并用于手动输入所述止损幅度或根据所述目标盈利幅度自动输入与所述目标盈利幅度相等的止损幅度。
进一步地，所述投资者客户机中的金融交易单元Ⅱ的强制交易模块包括确认交易模块，当所述输入模块输入目标盈利幅度、止损幅度和投资金额后，所述确认交易模块根据所述目标盈利幅度、止损幅度和投资金额自动计算得出投资产品的交易数量、目标盈利金额和止损金额并在界面显示，投资者根据所述交易数量、目标盈利金额和止损金额选择确认交易或取消交易。
进一步地，所述交易商服务器的金融交易单元Ⅱ包括所投资产品的行情数据采集模块，所述行情数据采集模块用于获取所投资产品的即时报价，并将所述即时报价传送至所述交易商客户机、交易商代理人客户机和投资者客户机。
进一步地，当投资者确认交易前，若所述即时报价发生变动，则所述确认交易模块发出价格变动需重新报价的提示，并根据变动后的价格再次自动计算得出投资产品的交易数量、目标盈利金额和止损金额后在界面显示，投资者根据所述交易数量、目标盈利金额和止损金额选择确认交易或取消交易。
进一步地，所述投资者客户机中的金融交易单元Ⅱ包括显示模块，所述显示模块用于显示所投资产品的即时报价和本级及所有下级交易商代理人当天的至少以下数据：
未结算交易、取消或拒绝的交易、结算交易记录和投资者账户资料。
进一步地，当所述强制交易模块即时以所述价格P对投资产品进行交易结算时，结算数据经所述交易商服务器处理后传送至所述显示模块，显示所述结 算交易记录和投资者账户资料。
进一步地，所述投资者账户资料包括交易明细和资金明细，所述交易明细包括结算交易和未结算交易的明细，所述资金明细包括存入金额、提取金额、信用额和结余金额的明细。
进一步地，所述投资者客户机中的金融交易单元Ⅱ包括投资产品选择模块，所述主服务器中的金融交易单元Ⅰ包括交易收费模式选择模块；
所述投资产品选择模块用于选择所投资的产品种类，所述交易收费模式选择模块用于选择交易商的佣金收费模式。
本发明的有益效果是，本发明提供了一种全新的金融交易系统，不设指定合约到期日(Maturity)为结算时间，而是按交易商(Dealer)对有关投资产品最新报价是否触及或超越投资者订下的止损价位或目标盈利价位为基础，一旦最新报价触及或超越投资者订下的止损价位或目标盈利价位，该笔交易马上进行结算。
万一投资者选择在投资产品最新报价仍未触及投资者本身订下的止损价位或目标盈利价位，要求交易商进行结算，有以下三种安排,视投资者与交易商双方约定选择下列任何一种安排:
1、必须按照投资者原来预设的止损价位或目标盈利价位进行结算；
2、可以于投资产品最新报价仍未触及投资者本身订下的止损价位或目标盈利价位，要求交易商进行结算，条件是交易商向投资者收取服务费或手续费。
3、交易商无条件容许投资者可以于投资产品最新报价仍未触及投资者本身订下的止损价位或目标盈利价位，要求交易商进行结算。
本发明没有固定的合约值，每次交易的合约数量取决于投资者的以下两点选择：
1、投资金额(又称交易金额)；
2、止损幅度，
则合约数量＝投资金额/止损幅度。
本发明鼓励投资者先想后做，风险承受力和目标回报是所有投资的重大考虑。为了确保每笔投资交易安全，都要求投资者遵循以下两点要求：a)谋定而后动；b)结算亏损不超过原来预算。这就要求投资者在确认每笔交易前都必须输入投资金额和目标盈利幅度及止损幅度。有了以上两点要求再配合投资者与交易商双方同意仅以投资者止损幅度或目标盈利幅度进行结算，当交易商提供的投资产品最新报价触及或超越投资者止损价位，该笔交易立刻进行结算，投资者的交易金额就等于亏损额了，可预知潜在最大亏损。
相较于现行期货交易中,万一投资产品价格因为市场出现剧烈震动或假期休市关系而出现跳空式上升或下泻(Price Gap Up or Price Gap Down)，投资产品最新成交价已经超越投资者预设的止损幅度，投资者最终的结算亏损便会大于预设止损幅度了。
因此，为了让投资者和交易商双方都能公平地预知潜在最大亏损，本发明体现一个重要精神:投资者和交易商双方都愿意放弃意想不到的收益或利润，换取不超越本身风险承受力(止损幅度)的保障。
附图说明
下面结合附图和实施例对本发明进一步说明。
图1是本发明一个实施例的原理框图；
图2是本发明的金融交易单元Ⅱ的组成框图。
图中，顶层服务器端1；主服务器10；第一服务器100；第二服务器101；第三服务器102；交易商服务器2；客户端3；交易商客户机30；交易商代理人客户机31；投资者客户机32。
具体实施方式
现在结合附图对本发明作进一步详细的说明。这些附图均为简化的示意图，仅以示意方式说明本发明的基本结构，因此其仅显示与本发明有关的构成。
如图1所示的实施例，本发明的限定亏损的金融交易系统，包括顶层服务器端1、交易商服务器2和客户端3，交易商服务器2介于顶层服务器端1和客户端3之间；顶层服务器端1包括主服务器10、第一服务器100、第二服务器101和第三服务器102，主服务器10分别连接到第一服务器100、第二服务器101和第三服务器102，第一服务器100、第二服务器101和第三服务器102均连接到交易商服务器2；客户端3包括交易商客户机30；交易商代理人客户机31和投资者客户机32，交易商服务器2分别连接到交易商客户机30、交易商代理人客户机31和投资者客户机32。
主服务器10中设有金融交易单元Ⅰ，对金融交易单元Ⅰ进行SQL(Structured Query Language，结构化查询语言)数据化处理后转换为金融交易单元Ⅱ，金融交易单元Ⅱ分别存入第一服务器100、第二服务器101和第三服务器102中共享；然后，在第一服务器100、第二服务器101和第三服务器102中共享的金融交易单元Ⅱ存入交易商服务器2中共享；接着，交易商服务器2中共享的金融交易单元Ⅱ依次通过FTP(File Transfer Protocol，文件传输协议)、交换机、防火墙和基于IP(Internet Protocol,网络之间互连的协议)的互联网被下载存入交易商客户机30、交易商代理人客户机31和投资者客户机32中共享。优选地，为提高本金融交易系统的工作可靠性，主服务器10、第一服务器100、第二服务器101和第三服务器102均设有备用服务器。
如图2所示，金融交易单元Ⅱ包括限价锁定模块、强制交易模块、行情数据采集模块和显示模块，限价锁定模块包括输入模块，为投资者提供输入界面，用于输入目标盈利幅度、止损幅度和投资金额，其中，止损幅度有两种输入方式：1、由输入模块根据目标盈利幅度的值自动输入，其值与目标盈利幅度相同；2、由投资者输入，其值可与目标盈利幅度相同或不同。目标盈利幅度和投资金额均由投资者输入。
如以期金为例，手动输入目标盈利幅度USD5和投资金额USD1000，则可自动 输入止损幅度USD5，与目标盈利幅度相同，或手动输入止损幅度USD10或USD4或USD5，可以大于、小于或等于目标盈利幅度。
强制交易模块包括确认交易模块，确认交易模块能根据目标盈利幅度、止损幅度和投资金额自动计算出交易数量、目标盈利金额和止损金额，计算公式为：交易数量＝投资金额/止损幅度，目标盈利金额＝交易数量×目标盈利幅度，止损金额＝交易数量×止损幅度。还以上述期金为例，若目标盈利幅度和止损幅度均为USD5，投资金额为USD1000，则交易数量＝1000/5＝200盎司，目标盈利金额＝200×5＝USD1000，止损金额＝200×5＝USD1000；若目标盈利幅度为USD5，止损幅度为USD4，投资金额为USD1000，由于按止损幅度计算交易数量，则交易数量＝1000/4＝250盎司,目标盈利金额＝250×5＝USD1250，止损金额＝250×4＝USD1000；依此类推。
行情数据采集模块用于从数据源供应商(例如路透社/彭博)提供的报价源(Price Feed)经互联网传送到交易商服务器2，获取所投资产品的即时报价，并将即时报价传送至交易商客户机30、交易商代理人客户机31和投资者客户机32。
显示模块至少包括即时报价界面、未结算交易界面、取消或拒绝的交易界面、结算交易记录界面和投资者账户资料界面，分别用于显示所投资产品的即时报价、本级及所有下级交易商代理人当天的至少以下数据：未结算交易、取消或拒绝的交易、结算交易记录和投资者账户资料；其中，投资者账户资料包括交易明细和资金明细，交易明细包括结算交易和未结算交易的明细，资金明细包括存入金额、提取金额、信用额和结余金额的明细。
上述目标盈利幅度、止损幅度和投资金额，以及据其自动计算出的交易数量、目标盈利金额和止损金额，和即时报价在显示模块进行显示，投资者根据交易数量、目标盈利金额和止损金额选择确认交易或取消交易。当投资者确认交易前，若即时报价发生变动，则确认交易模块发出价格变动需重新报价的提 示，并根据变动后的价格再次自动计算得出投资产品的交易数量、目标盈利金额和止损金额后在显示模块进行显示，投资者根据新的交易数量、目标盈利金额和止损金额再次选择确认交易或取消交易。
若变动后的价格触及或超越目标盈利幅度或止损幅度两者中较先者所对应的投资产品价格P时，确认交易模块自动即时以价格P对投资产品进行交易结算，不需要用户进行选择。以上述期金为例，设目标盈利幅度为USD5，止损幅度为USD5，即目标盈利幅度＝止损幅度，投资金额为USD1000，确认交易模块根据止损幅度和投资金额自动计算出交易数量＝1000/5＝200盎司，目标盈利金额＝200×5＝USD1000,止损金额＝200×5＝USD1000,如原先买入价格P0＝USD1000/盎司，则刚好达到目标盈利幅度对应的投资产品价格P1＝USD1005/盎司，刚好达到止损幅度对应的投资产品价格P2＝USD995/盎司，当从行情数据采集模块获取的即时价格Pt≥P1＝USD1005/盎司或Pt≤P2＝USD995/盎司时，则确认交易模块自动即时以价格P1＝USD1005/盎司或P2＝USD995/盎司进行交易结算，而无需投资者进行手动操作，这样在黄金涨价时获得预先设定的目标盈利金额USD1000，在黄金降价时将最大亏损金额控制在止损金额USD1000，即使黄金暴涨或暴跌，例如发生价格大幅跳空，其收益或亏损都是确定的，排除了保证金交易模式中亏损金额的不确定风险。
优选地，金融交易单元Ⅱ还包括投资产品选择模块，金融交易单元Ⅰ包括交易收费模式选择模块，投资产品选择模块用于选择所投资的产品种类，如可选择黄金等贵金属、英镑等货币、原油等商品和指数等其中之一，交易收费模式选择模块用于选择交易商的佣金收费模式，如可选择价差模式或手续费模式。
本发明注重的是投资者实质愿意和有能力承担的风险。因此，投资者一旦预设好交易金额和止损幅度，根本就无需投放保证金，则无需追加保证金(Margin Call)，也就不可能发生亏损超过投资本金的情况，极大降低了投资风险。
以上述依据本发明的理想实施例为启示，通过上述的说明内容，相关工作人员完全可以在不偏离本项发明技术思想的范围内，进行多样的变更以及修改。本项发明的技术性范围并不局限于说明书上的内容，必须要根据权利要求范围来确定其技术性范围。

Claims (11)

  1. 限定亏损的金融交易系统，其特征在于，包括服务器端和客户端，所述服务器端通过网络与所述客户端连接；
    所述服务器端包括多个服务器，所述服务器中设有金融交易单元；
    所述客户端包括多个客户机，所述客户机适于通过共享所述金融交易单元进行实时金融交易；
    所述金融交易单元包括限价锁定模块和强制交易模块，所述限价锁定模块适于设定金融交易的目标盈利幅度、止损幅度和投资金额，当投资产品的价格触及或超越所述目标盈利幅度或止损幅度两者中较先者所对应的投资产品价格P时，所述强制交易模块适于即时以所述价格P对投资产品进行交易结算。
  2. 根据权利要求1所述的金融交易系统，其特征在于，所述服务器端包括主服务器、第一服务器、第二服务器、第三服务器和交易商服务器，所述主服务器、第一服务器、第二服务器及第三服务器构成顶层服务器端，所述主服务器分别连接到所述第一服务器、第二服务器及第三服务器；所述第一服务器、第二服务器及第三服务器均连接到所述交易商服务器，所述交易商服务器介于所述顶层服务器端与所述客户端之间；所述客户端的客户机包括交易商客户机、交易商代理人客户机和投资者客户机，所述交易商服务器分别连接到所述交易商客户机、交易商代理人客户机和投资者客户机；
    所述主服务器中的所述金融交易单元为金融交易单元Ⅰ，所述金融交易单元Ⅰ经过SQL数据化处理后转换成金融交易单元Ⅱ，所述金融交易单元Ⅱ在所述第一服务器、第二服务器和第三服务器中共享；
    所述第一服务器、第二服务器和第三服务器中的金融交易单元Ⅱ与所述交易商服务器共享，所述交易商服务器中的金融交易单元Ⅱ与所述交易商客户机、交易商代理人客户机和投资者客户机共享。
  3. 根据权利要求2所述的金融交易系统，其特征在于，所述主服务器、第一服务器、第二服务器及第三服务器均设有备用服务器。
  4. 根据权利要求2所述的金融交易系统，其特征在于，所述投资者客户机中的金融交易单元Ⅱ的限价锁定模块包括输入模块，所述输入模块用于投资者输入所述目标盈利幅度和投资金额，并用于手动输入所述止损幅度或根据所述目标盈利幅度自动输入与所述目标盈利幅度相等的止损幅度。
  5. 根据权利要求4所述的金融交易系统，其特征在于，所述投资者客户机中的金融交易单元Ⅱ的强制交易模块包括确认交易模块，当所述输入模块输入目标盈利幅度、止损幅度和投资金额后，所述确认交易模块根据所述目标盈利幅度、止损幅度和投资金额自动计算得出投资产品的交易数量、目标盈利金额和止损金额并在界面显示，投资者根据所述交易数量、目标盈利金额和止损金额选择确认交易或取消交易。
  6. 根据权利要求5所述的金融交易系统，其特征在于，所述交易商服务器的金融交易单元Ⅱ包括所投资产品的行情数据采集模块，所述行情数据采集模块用于获取所投资产品的即时报价，并将所述即时报价传送至所述交易商客户机、交易商代理人客户机和投资者客户机。
  7. 根据权利要求6所述的金融交易系统，其特征在于，当投资者确认交易前，若所述即时报价发生变动，则所述确认交易模块发出价格变动需重新报价的提示，并根据变动后的价格再次自动计算得出投资产品的交易数量、目标盈利金额和止损金额后在界面显示，投资者根据所述交易数量、目标盈利金额和止损金额选择确认交易或取消交易。
  8. 根据权利要求2所述的金融交易系统，其特征在于，所述投资者客户机中的金融交易单元Ⅱ包括显示模块，所述显示模块用于显示所投资产品的即时报价和本级及所有下级交易商代理人当天的至少以下数据：
    未结算交易、取消或拒绝的交易、结算交易记录和投资者账户资料。
  9. 根据权利要求8所述的金融交易系统，其特征在于，当所述强制交易模块即时以所述价格P对投资产品进行交易结算时，结算数据经所述交易商服务 器处理后传送至所述显示模块，显示所述结算交易记录和投资者账户资料。
  10. 根据权利要求8或9所述的金融交易系统，其特征在于，所述投资者账户资料包括交易明细和资金明细，所述交易明细包括结算交易和未结算交易的明细，所述资金明细包括存入金额、提取金额、信用额和结余金额的明细。
  11. 根据权利要求2所述的金融交易系统，其特征在于，所述投资者客户机中的金融交易单元Ⅱ包括投资产品选择模块，所述主服务器中的金融交易单元Ⅰ包括交易收费模式选择模块；
    所述投资产品选择模块用于选择所投资的产品种类，所述交易收费模式选择模块用于选择交易商的佣金收费模式。
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