WO2022092444A1 - Method for providing unlisted stock trading service using escrow - Google Patents

Abstract

Provided is a method for providing an unlisted stock trading service using an escrow, the method comprising the steps of: receiving a stock balance confirmation and a power of attorney uploaded from a selling terminal, and receiving an input of a stock account number from a buying terminal to enter into a stock transfer contract; receiving a deposit of a purchase amount from the buying terminal into a pre-designated escrow account, and having the purchase amount be confirmed through the selling terminal; when an upload of a transaction statement is received after sold stocks are transferred from the selling terminal to the stock account number, confirming stock transfer details and then having the stock transfer details be confirmed through the buying terminal; and when the buying terminal approves the transfer of the purchase amount, remitting the purchase amount of the escrow to the account of the selling terminal.

Description

How to provide unlisted stock trading service using escrow

The present invention relates to a method of providing an unlisted stock trading service using escrow, and provides a platform that minimizes the risk of a buyer and a seller and can conduct a transaction transparently.

Start-up venture companies and small and medium-sized innovative companies that have recently emerged with innovative business models are growing rapidly. Among these innovative companies, unlisted companies with a value of more than $1 billion are classified as unicorn companies and are leading the expansion and change of the market. As investors' demand for unlisted stocks increases due to the rapid growth of companies, interest in platforms that broker unlisted stocks is also increasing. Accordingly, the unlisted stock trading platform, which has recently been activated, is expected to have a positive effect on the growth of unlisted companies. In the case of the United States, unlisted stock trading is increasing due to the relaxation of securities regulations, and accordingly, the scale of unlisted stock trading platforms targeting professional investors is increasing. Similarly, platforms for unlisted stock trading are emerging in Korea, and recently, platforms that lower the barriers to entry than these platforms to reduce the burden on companies and increase access to unlisted stocks for general investors are being released.

At this time, a method to trade unlisted stocks more safely and easily was researched and developed. To create an electronic confirmation of the seller in the name of the seller for the stock, transfer the electronic confirmation of the seller to the server of the broker corresponding to the broker so that the unlisted stock can be registered for sale by the broker based on the electronic confirmation of the seller; Upon the conclusion of a transaction contract for unlisted stocks, the transaction information corresponding to the transaction contract is received from the transaction broker server, the seller electronic confirmation is transferred from the transaction broker server, and the seller electronic confirmation letter is the buyer of unlisted stocks based on the transaction information A configuration for changing the purchaser's electronic confirmation in the name is disclosed.

However, even if an intermediary or an intermediary platform exists, the identities of both parties to the transaction cannot be verified, so the transparency of market transactions is reduced and risks are inevitable. In addition, even if the transfer contract is drawn up, the reliability of the contract is lowered, so it is started with a mutual risk. And, even if there is an intermediary such as a brokerage platform or a securities company, the seller and the buyer visit the securities company and transfer the stock through the real owner, the seller, the broker, and the buyer. exists and the process is cumbersome. Even if the stock price is transferred, there may be risks such as cancellation of stock transfer after deposit, so time and manpower can be wasted in overturning the contract process. Therefore, research and development of a platform that can verify mutual identity and prevent waste of resources by transferring money with sufficient time without complicated procedures is required.

One embodiment of the present invention allows to verify and verify the identity of the contracting party through the subscription system, deposit the purchase price through escrow, a trusted 3rd party, and when the deposit is confirmed, the buyer's stock By transferring the seller's stock to the account and uploading the transaction statement to the platform, the confirmation process is simplified and at the same time, the escrow transfer approval can be processed with sufficient time to reduce risks such as cancellation. If the transfer is not approved despite this, the stock transfer can be checked on the system after a preset period has elapsed, and the purchase price escrowed can be forcibly paid out and paid to the seller. Ultimately, the market becomes transparent and mutual risk is minimized. and can provide a method of providing unlisted stock trading services using escrow that can hedge risks.

However, the technical task to be achieved by the present embodiment is not limited to the technical task as described above, and other technical tasks may exist.

As a technical means for achieving the above-described technical problem, an embodiment of the present invention includes the steps of: receiving stock balance confirmation and power of attorney from a selling terminal, receiving a stock account number from a buying terminal, and concluding a stock transfer contract; Receive the purchase price from the buying terminal into a pre-designated escrow account and have the selling terminal check it. confirming the stock transfer details, and when the purchase terminal approves the transfer of the purchase price, remitting the purchase price of the escrow to the account of the selling terminal.

According to any one of the above-described problem solving means of the present invention, the identity of the contracting party can be verified and confirmed through the subscription system, and the purchase price is deposited through escrow, which is a trusted 3rd party, and deposit When this is confirmed, the seller's stock is transferred to the buyer's stock account and the transaction statement is uploaded to the platform, thereby simplifying the confirmation process and allowing sufficient time for escrow transfer approval to reduce risks such as cancellation. If the transfer is not approved even after the seller has transferred the stock, after the preset period has elapsed, the stock transfer can be checked on the system and the escrowed purchase price can be forcibly withdrawn and paid to the seller, ultimately making the market transparent and minimize mutual risk and hedge risks.

1 is a view for explaining a system for providing an unlisted stock transaction service using escrow according to an embodiment of the present invention.

FIG. 2 is a block diagram illustrating a transaction service providing server included in the system of FIG. 1 .

3 to 7 are diagrams for explaining an embodiment in which an unlisted stock trading service using escrow according to an embodiment of the present invention is implemented.

8 is an operation flowchart illustrating a method of providing an unlisted stock transaction service using escrow according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art can easily implement them. However, the present invention may be embodied in several different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part is "connected" with another part, this includes not only the case of being "directly connected" but also the case of being "electrically connected" with another element interposed therebetween. . In addition, when a part "includes" a certain component, it means that other components may be further included, rather than excluding other components, unless otherwise stated, and one or more other features However, it is to be understood that the existence or addition of numbers, steps, operations, components, parts, or combinations thereof is not precluded in advance.

The terms "about", "substantially", etc. to the extent used throughout the specification are used in or close to the numerical value when manufacturing and material tolerances inherent in the stated meaning are presented, and are intended to enhance the understanding of the present invention. To help, precise or absolute figures are used to prevent unfair use by unconscionable infringers of the stated disclosure. As used throughout the specification of the present invention, the term "step of (to)" or "step of" does not mean "step for".

In this specification, a "part" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. In addition, one unit may be implemented using two or more hardware, and two or more units may be implemented by one hardware. Meanwhile, '~ unit' is not limited to software or hardware, and '~ unit' may be configured to be in an addressable storage medium or to reproduce one or more processors. Thus, as an example, '~' denotes components such as software components, object-oriented software components, class components, and task components, and processes, functions, properties, and procedures. , subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays and variables. The functions provided in the components and '~ units' may be combined into a smaller number of components and '~ units' or further separated into additional components and '~ units'. In addition, components and '~ units' may be implemented to play one or more CPUs in a device or secure multimedia card.

Some of the operations or functions described as being performed by the terminal, apparatus, or device in the present specification may be performed instead of by a server connected to the terminal, apparatus, or device. Similarly, some of the operations or functions described as being performed by the server may also be performed in a terminal, apparatus, or device connected to the server.

In this specification, some of the operations or functions described as mapping or matching with the terminal means mapping or matching the terminal's unique number or personal identification information, which is the identification data of the terminal. can be interpreted as

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a view for explaining a system for providing an unlisted stock transaction service using escrow according to an embodiment of the present invention. Referring to FIG. 1 , the unlisted stock trading service providing system 1 using escrow may include at least one selling terminal 100 , a trading service providing server 300 , and at least one buying terminal 400 . . However, since the unlisted stock transaction service providing system 1 using the escrow of FIG. 1 is only an embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1 .

At this time, each component of FIG. 1 is generally connected through a network (Network, 200). For example, as shown in FIG. 1 , at least one selling terminal 100 may be connected to the transaction service providing server 300 through the network 200 . In addition, the transaction service providing server 300 may be connected to at least one selling terminal 100 and at least one buying terminal 400 through the network 200 . In addition, at least one purchase terminal 400 may be connected to the transaction service providing server 300 through the network 200 .

Here, the network refers to a connection structure in which information exchange is possible between each node, such as a plurality of terminals and servers, and an example of such a network includes a local area network (LAN), a wide area network (WAN: Wide Area Network), the Internet (WWW: World Wide Web), wired and wireless data communication networks, telephone networks, wired and wireless television networks, and the like. Examples of wireless data communication networks include 3G, 4G, 5G, 3rd Generation Partnership Project (3GPP), 5th Generation Partnership Project (5GPP), Long Term Evolution (LTE), World Interoperability for Microwave Access (WIMAX), Wi-Fi (Wi-Fi) , Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), RF (Radio Frequency), Bluetooth (Bluetooth) network, NFC ( Near-Field Communication) networks, satellite broadcast networks, analog broadcast networks, Digital Multimedia Broadcasting (DMB) networks, and the like are included, but are not limited thereto.

In the following, the term at least one is defined as a term including the singular and the plural, and even if the at least one term does not exist, each element may exist in the singular or plural, and may mean the singular or plural. it will be self-evident In addition, that each component is provided in singular or plural may be changed according to embodiments.

The at least one selling terminal 100 may be a terminal of a seller who wants to sell unlisted stocks using a web page, an app page, a program or an application related to an unlisted stock trading service using escrow. In this case, the selling terminal 100 may be a terminal that attaches a power of attorney and a balance certificate and writes a stock transfer contract with the buyer of the buying terminal 400 when a unified stock transaction is to be performed. And, the selling terminal 100, when depositing the purchase price from the purchasing terminal 400 to the escrow account, transfers the stock to the stock account of the purchasing terminal 400, and when there is a transfer approval of the buying terminal 400 It may be a terminal receiving the purchase amount. At this time, if you want to trade non-uniform stocks in the selling terminal 100, upload a stock non-issuance confirmation, etc. instead of a balance certificate, and after confirming that the purchase price is deposited, upload the stock transfer while transferring the name of the main single in the name of the buyer. It may be a terminal that does

Here, the at least one selling terminal 100 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser, a desktop, and a laptop. In this case, the at least one selling terminal 100 may be implemented as a terminal capable of accessing a remote server or terminal through a network. At least one selling terminal 100 is, for example, as a wireless communication device that guarantees portability and mobility, navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS(Personal Handyphone System), PDA(Personal Digital Assistant), IMT(International Mobile Telecommunication)-2000, CDMA(Code Division Multiple Access)-2000, W-CDMA(W-Code Division Multiple Access), Wibro(Wireless Broadband Internet) ) terminal, a smart phone, a smart pad, a tablet PC, etc. may include all kinds of handheld-based wireless communication devices.

The transaction service providing server 300 may be a server that provides an unlisted stock transaction service web page, an app page, a program, or an application using escrow. In addition, the transaction service providing server 300 may be a server that automates each brokerage process and checks and mediates whether the unlisted stocks and the purchase price between the selling terminal 100 and the buying terminal 400 are transferred to both parties. In this case, the transaction service providing server 300 may be a server that sets different types of documents to be prepared or verified according to the type of unlisted stock, for example, a unified stock or a non-unified stock.

Here, the transaction service providing server 300 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser, a desktop, and a laptop.

The at least one purchase terminal 400 may be a terminal of the buyer using a web page, an app page, a program or an application related to an unlisted stock transaction service using escrow. When trading unified stocks, the purchase terminal 400 enters the stock account number and signs the stock transfer contract to complete the contract, deposit the purchase price into the escrow account, check the stock transfer details, and transfer the escrow It may be a terminal that approves. In the case of trading non-uniform stocks, only the documents or formats to be entered or confirmed, such as entering the buyer's personal information and confirming the transfer of stock, are changed, and the general flow is generally the same.

Here, the at least one purchase terminal 400 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser, a desktop, and a laptop. In this case, the at least one purchase terminal 400 may be implemented as a terminal capable of accessing a remote server or terminal through a network. At least one purchase terminal 400 is, for example, a wireless communication device that guarantees portability and mobility, navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS(Personal Handyphone System), PDA(Personal Digital Assistant), IMT(International Mobile Telecommunication)-2000, CDMA(Code Division Multiple Access)-2000, W-CDMA(W-Code Division Multiple Access), Wibro(Wireless Broadband Internet) ) terminal, a smart phone, a smart pad, a tablet PC, etc. may include all kinds of handheld-based wireless communication devices.

2 is a block diagram for explaining a transaction service providing server included in the system of FIG. 1, and FIGS. 3 to 7 are an embodiment in which an unlisted stock transaction service using escrow according to an embodiment of the present invention is implemented. It is a drawing for explaining.

Referring to FIG. 2 , the transaction service providing server 300 includes a connection unit 310 , a deposit confirmation unit 320 , a transfer confirmation unit 330 , a remittance unit 340 , an authentication unit 350 , and a compulsory execution unit ( 360), a debt management unit 370 and a return request unit 380 may be included.

Unlisted stocks using escrow by at least one selling terminal 100 and at least one buying terminal 400 by the transaction service providing server 300 or another server (not shown) operating in conjunction according to an embodiment of the present invention When transmitting a transaction service application, program, app page, web page, etc., at least one selling terminal 100 and at least one buying terminal 400 are unlisted stock trading service applications using escrow, programs, app pages, You can install or open web pages and the like. In addition, the service program may be driven in at least one selling terminal 100 and at least one buying terminal 400 by using a script executed in a web browser. Here, the web browser is a program that enables the use of a web (WWW: World Wide Web) service, and refers to a program that receives and displays hypertext written in HTML (Hyper Text Mark-up Language), for example, Netscape. , Explorer, Chrome, and the like. In addition, the application means an application on the terminal, for example, includes an app (App) executed in a mobile terminal (smartphone).

Referring to FIG. 2 , a transaction according to an embodiment of the present invention will be described below by dividing it into a unified stock transaction and a non-uniform stock transaction. At this time, processes other than documents or procedures that vary depending on the nature of the stock being traded apply to both types, and overlapping processes are not repeated.

<Unified Stock Transactions>

An embodiment of the unified stock in which the stock transferred and transferred between the selling terminal 100 and the buying terminal 400 is a unified standard security will be described. In this case, the term “uniform standardized securities” means unified standard securities in accordance with the 「Regulations on the Handling of Uniform Standard Securities, etc.」 established by the Korea Securities Depository pursuant to Article 322 (1) of the Capital Market and Financial Investment Business Act.

The contracting unit 310 may receive a stock balance confirmation and a power of attorney from the selling terminal 100 , and receive a stock account number from the buying terminal 400 to conclude a stock transfer contract. In this case, the transfer of stocks means the transfer of all rights and obligations related to stocks for a fee by a legal act. As for the business that must be carried out in the transfer of shares, the seller and the buyer conclude a transfer contract, the seller must report and pay securities transaction tax and capital gains tax, and the buyer requests the stock issuing corporation to change shareholders, and the corporation issuing stocks , the changed shareholder list and stock change status statement must be submitted to the tax office (when reporting corporate tax).

The deposit confirmation unit 320 may receive the purchase price from the buying terminal 400 into a pre-designated escrow account, and confirm it in the selling terminal 100 . The purchase price has not yet been transferred to the selling terminal 100 because it has been deposited into an escrow account, which is a third trusted institution. Escrow has been used by the seller and the buyer to deposit the transfer certificate and the price, respectively, with a neutral third party, and to simultaneously fulfill the delivery obligation and the payment obligation of the transfer certificate. In e-commerce, due to the nature of non-face-to-face transactions, it was introduced as a measure to prevent damage, such as delivery of goods that are different from the buyer's intention, or non-delivery of goods after the conclusion of the contract. It is effective in protecting the buyer as the third-party escrow service provider keeps the price and pays the seller after delivery of the target.

When the transaction statement is uploaded after transferring the sold stock from the selling terminal 100 to the stock account number, the transfer confirmation unit 330 checks the stock transfer details and then confirms the stock transfer details in the buying terminal 400 can The transaction statement may be issued through a platform used by the selling terminal 100 . If you file a tax return after that, you must submit a statement of stock transaction in accordance with Article 169 (1) 2 (c) of the Enforcement Decree of the Income Tax Act, so you can check whether it is consistent with this statement. The transfer confirmation unit 330 may request to confirm whether the transfer of the unlisted stock to be purchased has been made to the stock account number of the purchase terminal 400 after confirming the stock transfer details. Although it is systematically checked, it is double-checked by confirming whether the transfer has been made to the purchase terminal 400 with certainty.

The remittance unit 340 may transfer the purchase price of the escrow to the account of the selling terminal 100 when the purchase terminal 400 approves the transfer of the purchase price. When the purchasing terminal 400 confirms that the unlisted stock that it intends to buy has been transferred to its own stock account number, an obligation to approve the transfer occurs. Accordingly, when the transfer is approved, the purchase price in the escrow account is transferred to the account of the selling terminal 100 excluding the platform fee of the present invention.

The authentication unit 350 receives the stock balance confirmation and power of attorney from the selling terminal 100 in the contracting unit 310, receives the stock account number from the purchase terminal 400, and concludes the stock transfer contract, It is possible to convert the stock transfer contract of the transfer contract into an electronic document and proceed with legal certification according to a preset authentication process. At this time, legal authentication may mean that a legal representative confirms and certifies the contract, such as performing authentication at each notary office, or may use a block chain to certify the reliability of electronic documents.

Electronic documents have the advantage of being able to quickly store and read large-scale documents anywhere without time and space restrictions, and because they are not printed on paper, they are easy to distribute or store and discard. Because copies are reproduced and managed in the course of distribution or storage, it is difficult to distinguish between originals and copies, and if there is no security device, anyone can easily forge or falsify, and information can be easily leaked through hacking. Therefore, in one embodiment of the present invention, so that the security of the electronic document storage and the original estimation power can be guaranteed. According to the financial sector blockchain reference model of the blockchain standard recently established by the Financial Security Agency, a blockchain-based electronic document trust system can be applied that replaces the role of the public office, which is a third party that guarantees the trust of electronic documents.

Blockchain is a distributed ledger system that guarantees the trust of the ledger only with the participation of the network without the intervention of a third party that guarantees trust. and anyone can view the result of the change. Blockchain can be broadly divided into public and private blockchains according to usage characteristics. In public blockchains, network participants have the same rights, so anyone can participate in the blockchain network and view all details. and transaction history can be verified. A private blockchain is called a permissioned blockchain or a consortium blockchain. It refers to a blockchain in which participation is restricted through a separate authentication method or by building an internal network with a blockchain where participants are restricted. Organizations or corporations with a specific purpose prefer private blockchains because all data does not need to be shared and often needs to control the rights of participants.

Since an embodiment of the present invention is also for the transaction of unlisted stocks, it is designed in the form of a private blockchain, but it is possible to increase the reliability by linking the blockchain built in the company to the public blockchain. The blockchain reference model presented by the Financial Security Agency is a standard that defines the financial sector blockchain model and the financial sector blockchain structure, and defines detailed functions and implementation methods for each component. Since it is a trading platform, you can design based on the standard. The components of the electronic document trust system can be classified according to the hierarchical structure of the block chain reference model as shown in Table 1 below.

function item	Reference model layer
Electronic document creation and verification application	existing system
Electronic document source storage	existing system
blockchain node	Node and Ledger Hierarchy
blockchain smart contract
Blockchain-linked application	service and interface layer
Blockchain management application
Public blockchain integration	external linkage

An embodiment of the present invention can use Ethereum, which is an open source block chain, and can design a smart contract, which is the core of the node and ledger layer, and a data model of the smart contract. In the electronic document trust system, the hash of the document is stored in the blockchain ledger, and when authenticity is verified, the stored hash is checked for forgery or falsification. It may include a link to the division number. And the function for entering and searching the hash in the ledger can be expressed as a function of the smart contract. Using this, for example, when a contract between the seller and the buyer is concluded, it is electronically documented, and the hash is extracted after the electronic signature. Blockchain platform area, which includes block chain interworking application area that stores and verifies on block chain platform, and block chain application responsible for interfacing with block chain and smart contract based on 4 Ethereum block chain nodes, and Ethereum It can be configured as an external linkage area in charge of anchoring with the mainnet. Even for a private blockchain composed of 4 nodes, it is very difficult to forge or falsify the ledger due to the short block generation cycle. The reliability of the ledger can be improved through the anchoring technique of storing the hash of , once again in the mainnet of Ethereum. In the case of remittance of the purchase price of escrow to the account of the selling terminal 100, if the purchase terminal 400 does not approve the transfer during the preset grace period, the escrow purchase price is forcibly withdrawn to the selling terminal ( 100) can proceed with compulsory execution. If the buyer has performed the obligation to pay the purchase price, the seller is obliged to transfer the shares according to the contract, that is, the obligation arises and becomes the debtor to the buyer. Accordingly, the purchase price stored in the escrow can be forcibly withdrawn and enforced to be delivered to the seller.

The debt management unit 370 receives the purchase price from the purchase terminal 400 to the pre-designated escrow account in the deposit confirmation unit 320 , and confirms it in the selling terminal 100 , then the stock account in the selling terminal 100 . In the case of default without transferring the stock sold to the number, the purchase price deposited in the escrow account may be restored to the account of the purchase terminal 400 .

The return request unit 380 receives the purchase price from the purchase terminal 400 to the pre-designated escrow account in the deposit confirmation unit 320 and confirms it in the selling terminal 100, then the stock in the selling terminal 100 When the purchase price is remitted to the account of the selling terminal 100 without transferring the stocks sold to the account number, a return request may be made to the selling terminal 100 .

At this time, the return request unit 380 returns to the selling terminal 100 when the purchase price is transferred to the account of the selling terminal 100 without transferring the stock sold from the selling terminal 100 to the stock account number. After making the request, if the selling terminal 100 does not respond to the return request, it may proceed with a claim for unfair profit return. A legal representative can take charge of a claim for unfair profit return as a civil lawsuit, or a complaint can be prepared by automatically entering information in a pre-stored format, and payment can be requested by attaching the above-mentioned electronic document of the block chain. . In this case, you may apply for a payment order under the same Civil Procedure Act.

<Non-Unified Stock Transactions>

In the case where the stocks transferred and transferred between the selling terminal 100 and the buying terminal 400 are non-uniform stock certificates, which are non-uniform standard securities, only differences from the unified stock trading will be described.

When the contracting unit 310 receives the stock balance confirmation and power of attorney from the selling terminal 100 and the stock account number from the buying terminal 400 to conclude a stock transfer contract, the selling terminal 100 does not issue stocks. Upon receiving the confirmation letter and receiving personal information from the purchase terminal 400 , a stock transfer contract may be concluded. In addition, if the deposit confirmation unit 320 transfers the sold stock from the selling terminal 100 to the stock account number and then uploads the transaction statement, check the stock transfer details and then check the stock transfer details in the buying terminal 400 When the selling terminal 100 transfers the stock in the name according to the personal information of the buying terminal 400 and then uploads the stock transfer, the stock transfer is confirmed in the buying terminal 400 after checking the stock transfer. to check

Hereinafter, an operation process according to the configuration of the transaction service providing server of FIG. 2 will be described in detail with reference to FIGS. 3 to 7 as an example. However, it will be apparent that the embodiment is only one of various embodiments of the present invention and is not limited thereto.

3 is a diagram briefly describing a transaction process and problems according to the prior art and a method for solving them in the present invention. The fact that the identity of the trader cannot be confirmed can be secured through the subscription system, and the authentication process through the system can increase the reliability of the procedure that omits the transfer contract, and the risk of stock payment can be reduced. Existing and cumbersome procedures can be resolved through escrow, and risks such as stock transfer cancellation after deposit are possible.

4 and 5 are flowcharts according to a unified stock transaction according to an embodiment of the present invention. 4 and 5, when a sign, seal, or electronic signature is received from the buyer and the seller in the platform according to an embodiment of the present invention, it is converted into an electronic document, and the converted electronic document is implemented to automatically obtain legal certification. In addition, the buyer deposits the purchase price into the escrow account after drafting the contract. And, the purchase price deposited in the escrow can be deposited into the seller's account when the transfer is approved by the buyer. The buyer can approve the transfer after confirming that the stock has been deposited into his or her account. In this case, the buyer is responsible for approval of the transfer, and the buyer is also responsible for confirming the transfer to his or her account. If the transfer is approved or remittance is made without the stock transfer, a return request is made to the seller within the platform of the present invention.

The buyer may approve the transfer after the stock transfer is confirmed and the reversible time has elapsed sufficiently, and the platform of the present invention may set not to be held liable by fulfilling the duty of notification and explanation. After the buyer approves the transfer, the contract is terminated when the purchase price is transferred or remitted to the seller. As described above, the period for stock transfer after the contract may be preset and notified to each party. After this period, the buyer can restore the purchase price, and the confirmation procedure of the platform of the present invention, which is a service provider, is not required. If the transfer of the purchase price is not approved after the seller's stock transfer, the platform of the present invention may forcibly withdraw the escrowed purchase price and pay the seller after confirming the fact that the stock has been transferred after a certain period of time.

6 and 7 are flowcharts according to a unified stock transaction according to an embodiment of the present invention. 6 and 7, the difference from FIGS. 4 and 5 is that the documents submitted by the seller and the buyer when concluding a stock transfer contract, and the method of transferring stocks are made through the transfer of the name of stocks. The point is that the transfer or transaction details are not checked, but the contents of the stock transfer are confirmed.

The matters not described with respect to the method of providing the unlisted stock transaction service using the escrow of FIGS. 2 to 7 are the same as those described above for the method of providing the unlisted stock transaction service using the escrow through FIG. 1 or from the described content. Since it can be easily inferred, the following description will be omitted.

FIG. 8 is a diagram illustrating a process in which data is transmitted/received between components included in the system for providing unlisted stock trading services using escrow of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of a process in which data is transmitted and received between each component will be described with reference to FIG. 8, but the present application is not limited to such an embodiment, and the example shown in FIG. 8 according to the various embodiments described above will be described. It is apparent to those skilled in the art that the data transmission/reception process may be changed.

Referring to FIG. 8 , the transaction service providing server receives stock balance confirmation and power of attorney from the selling terminal, receives the stock account number from the buying terminal, and concludes a stock transfer contract (S5100).

Then, the transaction service providing server receives the purchase price from the buying terminal into a pre-designated escrow account, confirms it in the selling terminal (S5200), transfers the sold stock from the selling terminal to the stock account number, and uploads the transaction statement In this case, after checking the stock transfer details, the purchase terminal checks the stock transfer details (S5300).

The transaction service providing server transfers the purchase price of escrow to the account of the selling terminal when the purchase terminal approves the transfer of the purchase price (S5400).

The order between the above-described steps ( S5100 to S5400 ) is merely an example and is not limited thereto. That is, the order between the above-described steps ( S5100 to S5400 ) may be mutually changed, and some of these steps may be simultaneously executed or deleted.

The matters not described with respect to the method of providing the unlisted stock transaction service using the escrow of FIG. 8 are the same as those described for the method of providing the unlisted stock transaction service using the escrow through FIGS. Since it can be easily inferred, the following description will be omitted.

The method of providing an unlisted stock transaction service using escrow according to an embodiment described through FIG. 8 may also be implemented in the form of a recording medium including instructions executable by a computer, such as an application or program module executed by a computer. can Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. Also, computer-readable media may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The method of providing unlisted stock trading service using escrow according to an embodiment of the present invention described above is performed by an application basically installed in a terminal (which may include a program included in a platform or operating system, etc. that is basically installed in the terminal) may be executed, and may be executed by an application (ie, a program) directly installed in the master terminal by a user through an application providing server such as an application store server, an application, or a web server related to the corresponding service. In this sense, the unlisted stock transaction service providing method using escrow according to an embodiment of the present invention described above is implemented as an application (ie, program) installed by default in a terminal or directly installed by a user, and is transmitted to a computer such as a terminal. It may be recorded on a readable recording medium.

The above description of the present invention is for illustration, and those of ordinary skill in the art to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a dispersed form, and likewise components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be construed as being included in the scope of the present invention. .

Claims (7)

1. In the transaction service providing method executed in the transaction service providing server,

   Concluding a stock transfer contract by receiving stock balance confirmation and power of attorney from the selling terminal and receiving the stock account number from the buying terminal;

   receiving the purchase price from the buying terminal into a pre-designated escrow account, and allowing the selling terminal to confirm;

   when the transaction statement is uploaded after transferring the stocks sold from the selling terminal to the stock account number, checking the stock transfer details and then checking the stock transfer details in the buying terminal; and

   remitting the purchase price of escrow to the account of the selling terminal when the purchase terminal approves the transfer of the purchase price;

   including,

   The method of providing unlisted stock trading service using escrow, characterized in that the stocks transferred and transferred between the selling terminal and the buying terminal are unified stocks, which are unified standard securities.
2. The method of claim 1,

   After receiving the stock balance confirmation and power of attorney from the selling terminal and receiving the stock account number from the buying terminal to conclude a stock transfer contract,

   converting the stock transfer contract of the stock transfer contract into an electronic document and performing legal authentication according to a preset authentication process;

   Method of providing unlisted stock trading service using escrow, characterized in that it further comprises.
3. The method of claim 1,

   When the purchase terminal approves the transfer of the purchase price, the step of remitting the purchase price of escrow to the account of the selling terminal comprises:

   a compulsory execution step of forcibly withdrawing the purchase price of the escrow and paying it to the selling terminal when the purchase terminal does not approve the transfer during a preset grace period;

   Method of providing unlisted stock trading service using escrow, characterized in that it further comprises.
4. The method of claim 1,

   After receiving the purchase price from the buying terminal to a pre-specified escrow account, and confirming it in the selling terminal,

   restoring the purchase price deposited into the escrow account to the account of the purchasing terminal when the selling terminal defaults on the debt without transferring the stock sold to the stock account number;

   A method of providing unlisted stock trading services using escrow, comprising:
5. The method of claim 1,

   After receiving the purchase price from the buying terminal to a pre-specified escrow account, and confirming it in the selling terminal,

   requesting a return to the selling terminal when the purchase price is transferred to the account of the selling terminal without transferring the stocks sold from the selling terminal to the stock account number;

   Method of providing unlisted stock trading service using escrow, characterized in that it further comprises.
6. 6. The method of claim 5,

   When the purchase price is transferred to the account of the selling terminal without transferring the stock sold from the selling terminal to the stock account number, after the step of requesting a return to the selling terminal,

   if the selling terminal does not respond to the return request, proceeding with a claim for unfair profit return;

   Method of providing unlisted stock trading service using escrow, characterized in that it further comprises.
7. The method of claim 1,

   If the stocks transferred and transferred between the selling terminal and the buying terminal are non-uniform stocks, which are non-uniform standard securities,

   In the step of receiving the stock balance confirmation and power of attorney from the selling terminal, and receiving the stock account number from the buying terminal to conclude a stock transfer contract

   receiving a confirmation of non-issue of stocks from the selling terminal and receiving personal information from the buying terminal to conclude a stock transfer contract;

   When the transaction statement is uploaded after transferring the stock sold from the selling terminal to the stock account number, in the step of confirming the stock transfer details in the buying terminal after checking the stock transfer details,

   When a stock transfer is uploaded after transferring the stock in the name according to the personal information of the buying terminal in the selling terminal, after confirming the stock transfer, the buying terminal is characterized in that the stock transfer is confirmed How to provide unlisted stock trading service using escrow.

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