WO2020108800A1 - Commande de chat - Google Patents

Commande de chat Download PDF

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Publication number
WO2020108800A1
WO2020108800A1 PCT/EP2019/054121 EP2019054121W WO2020108800A1 WO 2020108800 A1 WO2020108800 A1 WO 2020108800A1 EP 2019054121 W EP2019054121 W EP 2019054121W WO 2020108800 A1 WO2020108800 A1 WO 2020108800A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
securities
security
trading
mobile terminal
Prior art date
Application number
PCT/EP2019/054121
Other languages
German (de)
English (en)
Inventor
Christian Wendrock-Prechtl
Filip Chudzinski
Christian Braasch
Original Assignee
Comdirect Bank Ag
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Comdirect Bank Ag filed Critical Comdirect Bank Ag
Publication of WO2020108800A1 publication Critical patent/WO2020108800A1/fr

Links

Classifications

    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through M-devices
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • 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
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • 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 a system for performing a
  • the invention relates to a method for carrying out a securities trading process by means of a mobile terminal device of a user and a securities trading server which is connected to the terminal device.
  • Securities trading transactions can be processed.
  • the corresponding securities usually have to be selected and, for security reasons, a relatively complex sequence of operations be carried out in order to be able to handle the actual trade.
  • These relatively complex processes are perceived by many end users as unnecessarily complicated and time-consuming and represent a hurdle for other end consumers that keeps them from mobile trading in securities, so that there is still untapped potential for growth.
  • the system comprises a mobile terminal and a securities trading server, which are in data connection with one another, the mobile terminal in turn one
  • Display an input device, a control unit, a memory and a communication unit and is configured to one
  • tradable securities on the ad to display the at least one Security selectable by means of the input device comprises, upon selection of one of the tradable securities, loading and / or receiving historical data on previous trading transactions with this security and providing the historical data together with an input field on the display, evaluating an input on the input field accordingly to transmit whether a securities trading instruction has been entered by the user and to transmit a unique identifier of the user, a unique identifier of the selected security and the entered securities trading instruction to the securities trading server via the communication unit.
  • This trading server in turn comprises a database in which the custody account data of the user are stored and it is also set up to assign the user ID to the custody account data of the user by means of the database and the trading process on the basis of the identifier of the selected security and the securities trading instruction via the Handle the user's depot.
  • the registration and / or authentication process can be done by entering a password or the
  • Authentication using a fingerprint or the like take place. Furthermore, the loading and / or receiving of the historical data can take place via the same communication channel from the securities trading server or directly from the memory of the mobile terminal, with additional data transfers and / or comparisons between the
  • Securities trading server and the mobile device also possible at any other time and are therefore not tied to the specific execution of a trading process.
  • the communication between the mobile terminal and the securities trading server can also be carried out, in particular via the Internet, in which case the mobile terminal itself can be connected to the Internet, for example via a mobile radio network or a wireless network.
  • the evaluation of the input on the input field by the mobile terminal can also include customary plausibility checks, for example with regard to the format of the input.
  • an encrypted hash can also be generated for the unique identifier of the user, for example, and the entire communication between the mobile terminal and the
  • Securities trading server can be done through encrypted channels.
  • the mobile terminal can also be set up to generate the list of securities on the basis of loaded and / or received data.
  • the corresponding data can again be received by the securities trading server through the mobile terminal or read out from the memory of the mobile terminal.
  • Users can be supplemented, for example by alphanumeric entries or the selection of individual securities from a global list, which, for example, can also be provided by the securities trading server.
  • the mobile terminal can be set up to provide the historical data in the form of elements which represent trades which have been carried out in the past, wherein the mobile terminal can preferably also be set up to provide additional data, in particular, when such an element is selected indicate which concern the corresponding trading process.
  • the user has an intuitively prepared list of those processed in the past
  • the mobile terminal can be set up to load and / or receive data relating to the user's depot and the data relating to the user's depot for the user
  • This data relating to the custody account can be, for example, securities currently in the custody account or an available financial framework for trading transactions, wherein this information can be called up at any suitable time and displayed on the output of the mobile terminal, for example in connection with the input field for entering securities trading instructions.
  • the data relating to the user's custody account can also be obtained from the securities trading server or read out from the memory of the mobile terminal, accordingly, this data must be updated regularly at the respective storage location.
  • provision can furthermore be made to transmit information relating to completed trading processes to the mobile terminal, for example for direct confirmation and confirmation of the execution of a previously instructed transaction
  • Such a transmission is conceivable, for example, at times when the securities trading server has carried out a trading transaction based on a securities trading instruction and then sends the mobile terminal a confirmation of the executed trading transaction, the mobile terminal then in turn displaying this confirmation to the user can and, for example, can also store data stored in the memory of the mobile terminal device that relates to the user's depot.
  • the mobile terminal can also be set up to check the user's input for plausibility with regard to predetermined criteria and, if necessary, not to transmit the data to a securities trading server on the basis of this check, provided the inputs does not meet the predetermined criteria.
  • predetermined criteria for example, that if a predetermined number of securities to be traded is exceeded, instead of sending a security trading instruction to a security trading server, only a warning is displayed on the mobile
  • Output terminal or at least request an additional confirmation from the user, for example entering an additional password.
  • the present invention relates to a
  • Data-connected securities trading server comprising the steps to be carried out by the terminal of providing one
  • Terminals which at least one by means of the input device
  • selectable security includes loading and / or receiving historical data about previous trades in a security upon selection of that security, and providing the historical data along with an input field on the display, evaluating an input on the input field to determine whether a
  • Securities trading instruction has been entered by the user, and communicating a unique identifier of the user, a unique identifier of the selected security and the entered securities trading instruction to the securities trading server via the communication unit.
  • the securities trading server After receiving the user ID, the ID of the selected security and the securities trading instruction, the securities trading server then assigns the user ID to the custody account data of the user, and processes the trading process based on the ID of the selected security on the security. Trading instruction through the user's depot.
  • the list of securities can contain securities that the user has already traded in the past and / or currently holds in his portfolio or has created manually.
  • the securities trading server could, for example, also provide a list of tradable securities that are recommended to the user based on predetermined criteria.
  • the list of securities could also be adapted such that securities that the user has not traded in a predetermined past period, for example in the last year, are no longer displayed in the list.
  • providing the historical data can organize the
  • the purchase processes are shown in chronological order from top to bottom on one side of the advertisement and on the
  • the impression of using a messaging or messaging service for the user can be further enhanced because such a representation of the
  • provision of the input field can include provision of selectable fields, which represent a purchase process or a
  • the input field can only comprise a numeric keypad together with a purchase transaction field and a sales transaction field, by means of which the user can intuitively enter a securities trading instruction for a selected tradable security.
  • Figure 1 a schematic representation of a
  • FIG. 1 is a flow diagram of an inventive
  • Figures 3a-3g representations of the display of the mobile terminal during various operations of the inventive method.
  • FIG. 1 a system according to the invention for carrying out a securities trading process is shown schematically and generally designated by reference number 10.
  • the system 10 essentially comprises a mobile terminal 20 and a securities trading server 30, which are in data connection with one another.
  • the mobile terminal 20 in turn comprises a communication unit 22, which is only shown schematically in FIG. 1, for example a WLAN or LTE module, while the securities trading server 30 is connected to the Internet via a broadband line.
  • the mobile terminal 20 comprises a touchscreen 24, which simultaneously serves as a display and input device, i.e. that both displays content and can receive instructions by touching a user.
  • the terminal device 20 comprises a fingerprint sensor 26 as well as other devices customary for such devices
  • FIG. 1 Components that are not shown in FIG. 1, such as a processor which acts as a control unit according to the invention and executes both an operating system and software applications, a memory and a camera.
  • the mobile terminal 20 is set up such that the processor can execute programs that are stored in the memory and that can be loaded and installed for this purpose from suitable sources.
  • the processor can execute programs that are stored in the memory and that can be loaded and installed for this purpose from suitable sources.
  • a software application for carrying out some of the sequences of the method according to the invention, which can access the components of the mobile terminal 20 and, among other things, that Communication unit 22 can use to send and receive data to the securities trading server 30.
  • the mentioned securities trading server 30 is a mainframe computer which is generally installed at a financial institution and which has a multiplicity of processors and a powerful file system as well as a data connection with a high available bandwidth. Common processes in connection with the run on this securities trading server 30
  • the securities trading server has access to a database 32 in which securities account data of users are stored, in particular of the user to whom the mobile terminal 20 is assigned. Furthermore, the securities trading server 30 is in contact with further securities trading servers 40
  • FIG. 2 now shows a flow of a flow chart
  • step S1 User in the software application running on his mobile terminal 20 to carry out the method (step S1).
  • the user can be asked to verify his identity
  • step S2 the user is shown a list of securities of tradable securities on the touchscreen 24, as will be described in more detail below with reference to FIG. 3a.
  • step S3 the progress screen for the selected security shown in FIG. 3b and also explained in more detail below is displayed in step S4, which, in addition to historical data on securities trading processes carried out in the past, also appears includes an input field.
  • step S5 the user can now make an entry on the input field which relates to a planned securities trading transaction.
  • the mobile terminal evaluates in step S6 the input made by the user on the input field to determine whether it represents a suitable security trading instruction, in particular on the basis of predetermined plausibility criteria.
  • the mobile terminal If the input fulfills the check for plausibility, the mobile terminal generates a data packet in step S7, which includes a unique identifier of the user, a unique identifier of the selected security and the entered and checked security trading instruction, and encrypts this data packet if necessary. Finally, the mobile terminal 20 transmits the data packet generated and encrypted in this way via the Internet to the securities trading server 30.
  • step S6 shows that the input from step S5 does not meet at least one of the predetermined plausibility criteria, for example if a number of or to be bought
  • step S9 a corresponding message is displayed on the display 24 in step S9 and the mobile terminal returns to step S5.
  • the securities trading server then receives the data sent from the mobile terminal 20 at step S8 and orders the user ID transmitted with the data packet to the user's custody account data by using the database 32. Then, in step S11, the securities trading server processes the securities trading process on the basis of the identifier of the selected security and the securities trading instruction via the user's custody account, and will generally communicate with the further servers 40.
  • FIGS. 3a to 3g each show the touchscreen 24 of the mobile terminal 20 at different times in the sequence of the method according to the invention shown in FIG. 2, as well as during other processes which may optionally be included in the method according to the invention, in the flow chart 2 has been dispensed with.
  • Figure 3a corresponds to the representation of the securities list 100, which in the present case contains all securities with which the user has already traded or which are currently in his custody account. In the current case, this list of securities comprises eight securities 100a-100h. For each of the securities 100a-100h, a unique identifier of the corresponding security and the number of securities of the respective type currently held in the custody account of the respective type are also displayed.
  • Purchase processes for example purchase process 104b.
  • fields 104a and 104b relating to past trading transactions also contain price data at the corresponding points in time at which the transactions were carried out, or the total volume of the respective transaction
  • an input field 106 which, in addition to a selectable sales field 106a and a selectable purchase field 106b, also comprises a numeric keyboard. It can be seen from the illustration in FIG. 3b that the user is currently instructing a purchase process for 30 pieces of the security 10Of.
  • the user After completing the entry in FIG. 3b, the user arrives at the display 108 from FIG. 3c, in which the details of his instructed securities trading process are summarized again and in which he is asked for a confirmation in the field 110, with a simultaneously
  • the offer to buy still applies, that is, how long the order deadline for the displayed price is still running.
  • the countdown can also be emphasized by the ring arranged around the field 110 running in the manner of a stopwatch or changing its color.
  • corresponding transaction contains the respective unit price of the traded security. This makes it easy to track the development of this unit price between the times of the individual transactions in the past.
  • a confirmation of the purchase process is displayed, as well as the updated budget of the user and a buy or sell field for carrying out another trade process again.
  • FIGS. 3e to 3g now also show optional processes which can be implemented at various points in the method according to the invention.
  • FIG. 3e shows a selection screen 114, by means of which the user can select the preferred trading center by, for example, selecting the “Commerzbank trading center” button in the display 102 from FIG. 3b.
  • the user can now choose between various financial institutions through which he could process securities transactions of the selected security.
  • FIG. 3f again shows a display 116 which can be displayed to the user if, in the illustration from FIG. 3c, he does not make the confirmation to buy the selected securities in the field 110 quickly enough, ie the order deadline for buying the security in the Representation from Figure 3c expires.
  • the user can then return to a display according to FIG. 3c, with an updated course and a new countdown.
  • FIG. 3g shows a detailed representation 118 of a securities trading process carried out in the past, which can be requested in FIGS. 3b and 3d by the user selecting the field 104b.
  • the representation 118 from FIG. 3g contains the number of securities bought in the trading transaction and their price, the time of the processing of the trading transaction and further details.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système pour l'exécution d'une transaction commerciale de valeurs mobilières, comprenant un dispositif terminal (20) mobile d'un utilisateur et un serveur de transactions de valeurs mobilières (30), lesquels sont en liaison de données l'un avec l'autre, le dispositif terminal (20) mobile étant configuré pour : exécuter un processus de connexion et/ou d'authentification pour déterminer une identité de l'utilisateur ; afficher une liste de valeurs mobilières de valeurs mobilières négociables sur l'affichage, laquelle comprend au moins une valeur mobilière pouvant être sélectionnée au moyen d'un dispositif d'entrée (24) ; en réponse à la sélection d'une des valeurs mobilières négociables, charger et/ou recevoir des données historiques sur des transactions commerciales antérieures avec cette valeur mobilière et mettre les données historiques à disposition ensemble dans un champ de saisie dans un affichage (24) ; évaluer une saisie dans le champ de saisie pour savoir si une instruction de transaction de valeur mobilière a été saisie par l'utilisateur ; et transmettre un identifiant unique de l'utilisateur, un identifiant unique de la valeur mobilière sélectionnée et l'instruction commerciale de valeur mobilière saisie au serveur de transaction de valeurs mobilières (30) au moyen d'une unité de communication (22) ; le serveur de transaction de valeurs mobilières (30) comprenant une base de données (32), dans laquelle des données de dépôt de l'utilisateur sont déposées et étant configuré pour : associer l'identifiant de l'utilisateur à des données de dépôt de l'utilisateur au moyen de la base de données (32) ; et réaliser la transaction commerciale à travers le dépôt de l'utilisateur sur la base de l'identifiant de la valeur mobilière et de l'instruction commerciale de valeur mobilière.
PCT/EP2019/054121 2018-11-28 2019-02-19 Commande de chat WO2020108800A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE102018220436.5A DE102018220436A1 (de) 2018-11-28 2018-11-28 Chat-Order
DE102018220436.5 2018-11-28

Publications (1)

Publication Number Publication Date
WO2020108800A1 true WO2020108800A1 (fr) 2020-06-04

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PCT/EP2019/054121 WO2020108800A1 (fr) 2018-11-28 2019-02-19 Commande de chat

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DE (1) DE102018220436A1 (fr)
WO (1) WO2020108800A1 (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20060240852A1 (en) * 2005-04-21 2006-10-26 Saleh Al-Sarawi Method and system to enable mobile transactions
US20130204993A1 (en) * 2012-02-06 2013-08-08 Xabier Uribe-Etxebarria Jimenez System and method of integrating remote services
US20170091756A1 (en) * 2015-07-14 2017-03-30 Fmr Llc Point-to-Point Transaction Guidance Apparatuses, Methods and Systems
US20170221085A1 (en) * 2016-02-01 2017-08-03 Mastercard International Incorporated Systems and methods for creating an options program using payment transactions performed within a geographic sector

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20060240852A1 (en) * 2005-04-21 2006-10-26 Saleh Al-Sarawi Method and system to enable mobile transactions
US20130204993A1 (en) * 2012-02-06 2013-08-08 Xabier Uribe-Etxebarria Jimenez System and method of integrating remote services
US20170091756A1 (en) * 2015-07-14 2017-03-30 Fmr Llc Point-to-Point Transaction Guidance Apparatuses, Methods and Systems
US20170221085A1 (en) * 2016-02-01 2017-08-03 Mastercard International Incorporated Systems and methods for creating an options program using payment transactions performed within a geographic sector

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Publication number Publication date
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