KR100365198B1 - Network-based trade system for negotiable instruments having a function of reservation selling and remittance - Google Patents

Abstract

The present disclosure relates to a network-based securities transaction service system having a reserve sale and a reserve remittance function. When a user who makes a communication connection to a server computer through a network communication network selects to sell a security, the server computer sells the securities. When the window is output to the user's computer, and the data necessary for the sale of the specific securities owned by the user and the data required for the reservation remittance of the selling price are stored, the data is stored. According to the reservation remittance data, the server computer sells the securities on the sale settlement date, and then transfers the selling price to a specific financial institution set by the user.

Therefore, the present invention does not require users to perform a separate remittance processing on the settlement date of the sale of securities, and it is very convenient to receive the contents of the sale of the securities from the server computer at the time of the settlement of the sale of the securities. .

Description

Network-based trade system for negotiable instruments having a function of reservation selling and remittance}

The present invention relates to a network-based securities transaction service system.

More specifically, when each computer user sells various securities on the network, the user can make a reservation remittance of the selling price to a plurality of financial institutions on the settlement date of the sale, and if the selling price is made, the user will receive the corresponding price. The present invention relates to a network-based securities transaction service system having a reservation sale and a reservation remittance function for notifying the sale of securities.

In general, the Internet is an open network that can be used freely by applying a common protocol called TCP / IP (Transmission Control Protocol / Internet Protocol) to the other computer that anyone wants to access anywhere in the world. In addition to the delivery, as well as the development of compression technology and the delivery of multimedia information, various services such as e-mail, file transfer, and the World Wide Web (WWW) can be used.

As the use of the Internet is rapidly increasing in Korea and around the world, it is rapidly increasing in importance as a strategic tool for improving efficiency and productivity in all parts of the existing industry, and new business opportunities are continuously created through the Internet. The number of service providers on the Internet is increasing.

That is, in recent years, as part of the business through the Internet, various contents such as internet advertising, internet broadcasting, online games, internet newspapers / magazines, search services, portal services, electronic commerce, etc. are provided. Sites are growing rapidly.

Recently, the sites of securities companies that provide home trading systems to purchase and buy stocks on the network are gradually increasing with the explosive interest of various computer users. Securities companies are working hard to attract computer users who want to use a home trading system.

In addition, each securities company provides a service that allows computer users using a home trading system to buy / sell securities such as various beneficiary certificates and mutual funds in addition to stock trading online.

However, since the home trading system provided by each conventional securities company as described above does not provide a reservation remittance service function, when users want to transfer money to financial institutions such as banks after selling various securities on the network, It was inconvenient to separately receive the selling price of the securities on the settlement date of the selling price of the securities and perform the remittance processing to a specific financial institution.

In addition, even when users transfer or transfer payments for various securities on the network, there is a problem in that they must first sell the securities held and change the menu screen to perform remittance or transfer.

In order to solve the above-mentioned problems, an object of the present invention is to provide a plurality of financing on a sale settlement date when each computer user sells various securities such as stocks, money market funds, beneficiary certificates, and mutual funds on a network. The present invention provides a network-based securities transaction service system having a reservation sale and a reservation remittance function for reserve remittance to an institution.

Another object of the present invention is a network-based system having a reservation sale and reservation remittance function for notifying a user of a sale of a security when a settlement date arrives when each computer user performs a reservation sale of various securities on a network. It is to provide a securities trading service system.

1 is a block diagram schematically showing the configuration of a network-based securities transaction service system having a reserve selling and reserve remittance function according to the present invention;

2 is a block diagram showing in detail the configuration of the server computer of FIG.

3 is a view showing an example of a window for selling securities of the present invention;

Figure 4 is a flow chart illustrating in detail the operation of the network-based securities transaction service method with a reserve selling and reserve remittance function according to the present invention;

5 to 7 are flowcharts showing in detail the operation of each subroutine of FIG.

Explanation of symbols on the main parts of the drawings

10: network communication network 20: user computer

30: server computer 32: data input unit

34: main control unit 36: database unit

38: communication control unit 40: financial institution server

50: Securities selling window

According to the present invention, there is provided a network-based securities transaction service system having a reserve selling and reserve remittance function according to the present invention, comprising: a network communication network which connects an unspecified communication line to perform data communication with each other; After connecting to the outside through the network communication network, in response to the user's request to sell the securities, the securities sell window is received and displayed on the screen, and the sell of the securities sold data entered by the user is sold on the securities sell window. And outputs the reserved remittance data input by the user for reserve transfer remittance to a specific financial institution, and inputs externally output confirmation data for the confirmation of the seller's sold data and the reserved remittance data input by the user. A plurality of user computers for receiving and displaying on the screen; Periodically update the revenue information for the management of multiple securities purchased by a plurality of users to build a database, and if a securities selling request signal is input from a user computer connected through a network communication network, the securities selling window is applied. When the security sell data and the reserved remittance data are input through the sell securities window, the data requesting the final confirmation of the sold sell data and the reserved remittance data entered by the user is output to the user's computer. When the final confirmation is made by the server, the server sells the securities sell data and reservation remittance data entered by the user in the database, and when the sell date of the securities arrives, the server computer sends the sell price to a specific financial institution set by the user. Wow; And a plurality of financial institution servers for depositing and selling the money for payment from the server computer to the user's account.

In addition, according to the present invention, a network-based security transaction service method having a reserve sale and a reserve remittance function includes (1) selling a security window according to a user's selection of a security sale by a user connected to a server computer. Outputting to a user computer; (2) storing, in a database, data necessary for selling the specific security entered by the user through the sell security window on the server computer and data required for reserved remittance of the selling price; (3) selling the securities on the settlement date of the sale and remitting the selling price to the financial institution set by the user according to the securities selling data and the reserved remittance data input by the user at the server computer. do.

Hereinafter, with reference to the accompanying drawings will be described in detail a network-based securities transaction service system having a reserve selling and reserve remittance function of the present invention.

1 is a block diagram schematically showing the configuration of a network-based securities transaction service system having a reserve selling and reserve remittance function according to the present invention.

As shown, the network communication network 10 is a communication network such as a wired / wireless internet, and connects a communication line between a plurality of user computers 20 and a server computer 30, which will be described later, to share stocks, beneficiary certificates, and mutuals. The data communication related to the sale of various securities such as funds and the reservation remittance of the selling price is made.

The plurality of user computers 20 have a communication environment established so as to perform a communication connection with the server computer 30, which will be described later, through the network communication network 10, and the user's securities after connecting with the server computer 30 The selling request signal is output to the server computer 30, and the securities selling window 50 output from the server computer 30 is received and displayed on the screen in response to the selling request of the security.

In addition, the plurality of user computers 20 outputs the securities selling data input by the user on the securities selling window 50 to the server computer 30, and the user makes a reservation transfer remittance to a specific financial institution. Outputs the reserved remittance data to be input to the server computer 30, and receives and displays the confirmation data output from the server computer 30 to confirm the securities sell data and the reserved remittance data input by the user, The final confirmation data input by the user who confirmed the data is output to the server computer 30.

The server computer 30 periodically builds a database by updating revenue information for operating a plurality of securities purchased by a plurality of users, and stores the securities from a user computer 20 connected through a network communication network 10. When the selling request signal is input, the selling of the security window 50 is output to the corresponding user computer 20.

The server computer 30 checks the final confirmation of the selling of the security data and the reserved remittance data input by the user through the selling of the security window 50 when the selling of the security data and the reserved remittance data are input from the user computer 20. Outputs the requested data to the user's computer 20, and when the final confirmation is made by the user, and stores the seller's sell data and reservation remittance data entered by the user in the database, and when the seller's settlement date of the securities arrives The funds are sold to the financial institution established by the bank.

The plurality of financial institution servers 40 deposit the selling price remitted from the server computer 30 into the user's account.

At this time, the server computer 30 described above, if the reservation sale of construction bonds or stock-type securities that can not withdraw the selling price on the day of the sale request by the specific user is set, when the sale date of the sale of the specific security arrives Notify the user who set the information on the sale of the securities by wire / wireless, such as e-mail or telephone, and, if reservation remittance is set, transfer the selling price to the specific financial institution server 40 set by the user. to provide.

In addition, the server computer 30 may provide a service to distribute the selling price according to the user's request to sell the securities to a plurality of financial institutions instead of any one financial institution, and to sell the securities. If the requesting user does not request a reservation transfer, or deposits the remaining selling price after the reservation transfer into the user's withdrawal account.

2 is a block diagram showing in detail the configuration of the server computer 30 of FIG. 1 described above.

As shown, the data input unit 32 inputs an operation program that supports a plurality of users input by the server operator to use the selling of securities including a reserve selling and a remittance transfer function and data according to a plurality of securities operations. It receives it and outputs it to the main control part 34 mentioned later.

The main control unit 34 controls to store the operation program and the plurality of securities operation data input through the data input unit 32 in the database unit 36 to be described later, and according to the user's request to sell the securities, 20) the output of the sell security window 50 is controlled, and the output of the data requesting final confirmation of the sell security data and the reserved remittance data input by the user through the sell security window 50 is controlled.

In addition, when the final confirmation is made by the user, the main controller 34 controls to store the securities selling data and the reserved remittance data input by the corresponding user in the database unit 36, and the user when the selling date of the securities arrives. The remittance of the selling price is controlled by the financial institution established by the bank.

The database unit 36 stores a plurality of securities operation data input through the data input unit 32 under the control of the main control unit 34, and stores the securities selling data and the reserved remittance data input by the plurality of users. Then, the pre-stored data is output at the request of the main controller 34, and the result of the reservation remittance to the financial institution performed by the main controller 34 is stored.

The communication control unit 38 outputs the security selling window 50 output from the main control unit 34 to the corresponding user computer 20 in response to a request for selling the security of the users connected through the network communication network 10. Securities sold by the user, the reserved remittance data, and the final confirmation data is received and output to the main control unit 34, the control of the main control unit 34 under the control of the selling price of the financial institution server (40) Send money to).

3 is a diagram illustrating an example of a security selling window 50 of the present invention, in which a user inputs an account number, a password, and an application for selling a security to be sold. ), A reservation remittance data input window 54 in which the user inputs a bank code, a bank account number, a bank account confirmation, and a remittance amount for reservation remittance, and a user who is output from the server computer 30 for the final confirmation of the user. And a display window 56 on which the entered security selling data and reservation remittance data are displayed.

At this time, when the user requesting to sell the securities is selected, the valuation amount inquiry button based on the selling price of the securities sold data input window 52 of the selling securities window 50 is selected, the server computer 30 In the case of securities that can withdraw the selling price on the day of the sale application, the valuation of the relevant securities is calculated and immediately provided to the user.In case of construction bonds or equity securities that cannot withdraw the selling price on the day of the selling application, When the settlement date arrives (for example, securities securities securities after the third business day for selling, securities securities after the fourth business day of the selling application), the valuation amount of the securities is calculated and provided to the user.

Next, an embodiment of a network-based securities transaction service method having a reservation selling and reservation remittance function according to the present invention configured as described above will be described in detail with reference to FIGS. 4 to 7.

4 to 7 are flowcharts showing in detail the operation of the network-based securities transaction service method having a reservation selling and reservation remittance function according to the present invention.

First, the server computer 30 outputs initial screen data to the user computer 20 which has made a communication connection through the network communication network 10, and if a sale request of securities is selected by the corresponding user, the sale of the securities on the network. And outputting a sell window 50 for inputting data for reservation remittance to the corresponding user computer 20 (S10).

In detail, the users execute the communication program installed in the user computer 20 and proceed with the communication connection to the server computer 30 through the network communication network 10 (S11), the server computer 30 It is determined whether a menu for selling securities is selected by the corresponding user among a plurality of menus provided at step S12.

As a result of the determination in step S12, if the sell-secured menu is selected by the corresponding user, the server computer 30 outputs the sell-secured window 50 to the corresponding user computer 20 (S13).

As described above, after outputting the sell security window 50 to the corresponding user who has selected to sell the security through the above-described process (S10), the server computer 30 inputs the user through the sell security window 50. Data necessary for selling the securities and data for reservation remittance of the selling price are stored in a database (S20).

In detail, the server computer 30 stores the account number, the password, and the selling amount in order to sell the specific securities held by the user online on the sell-secured window 50 output from the server computer 30. It is determined whether or not to enter the securities selling data such as (S21).

After all of the securities sell data is input, the server computer 30 reserves a user's reservation of a bank code, a bank account number, a remittance amount, and the like in order to reserve the transfer of a selling price of a specific securities on the sell securities window 50. It is determined whether remittance data is input (S22).

Then, the server computer 30 outputs the data requesting the final confirmation of the securities selling data and the reserved remittance data input by the user on the securities selling window 50 to the corresponding user computer 20 (S23). It is determined whether the final confirmation of the securities selling data and the reserved remittance data is selected by the user (S24).

As a result of the determination, when the final confirmation data is input by the user, the server computer 30 stores the securities selling data and the reserved remittance data input by the user in the database (S25).

At this time, although not shown in Figure 6, in the above-mentioned step (S21), the user selects the inquiry button to determine how much the valuation amount based on the settlement date of the sale of the securities for sale while the user enters the securities selling data Just do it.

Then, in the server computer 30, if the security requesting to sell is a product that can withdraw the selling price on the day of the sale application, the valuation of the security is immediately calculated and provided to the user, and the security requesting to sell is sold. In the case of construction bonds or equity securities that cannot withdraw the selling price on the day of application, the valuation amount of the securities is calculated and provided to the user when the selling date is reached.

Now, after storing the selling of the securities sold data and the reserved remittance data input by the user through the above-described process (S20) as a database, the server computer 30 sells according to the sold securities sold data and the reserved remittance data input by the user. The securities are sold at the settlement date, and the selling price is transferred to the financial institution set by the user (S30).

In detail, the server computer 30 determines whether the payment date of the sale of the specific securities for which the users have requested the sale is reached (S31), and when the payment date of the sale arrives, the price of the sale of the sale date of the server computer 30 arrives. Sell the securities (S32).

Subsequently, the server computer 30 determines whether the user who applied for the sale of the securities has set the reserved remittance through the above-described process (S30) after selling the securities for which the sale settlement date has arrived (S33).

As a result of the determination, when the user sets the reserved transfer of the selling price of the securities, the server computer 30 extracts the reserved remittance data of the corresponding user, which is built into the database, and then transfers the selling price of the securities to the financial institution set by the user ( S34), the contents stored in the database are stored in the database according to the reservation transfer set by the user (S35).

However, if the reservation transfer is not set as a result of the above-described determination in step S33, the server computer 30 deposits the selling price of the securities into the user's withdrawal account and terminates the processing of the selling price (S36).

In this case, when the user who wants to sell the securities is set in the above-described process (S30), when the user sets the reservation selling, the server computer 30 sets the user to set the reservation selling when the settlement date for selling the securities requested by the corresponding user arrives. The seller will be notified of the details of the sale of the securities, such as the valuation amount of the securities, via e-mail or telephone, by wire / wireless, and the reservation transfer of the selling price will be performed.

As described above, according to the network-based securities transaction service system having the reserve sale and reserve remittance functions of the present invention, when the server computer requests the sale of various securities held by the users on the network, the selling price is specified. As it provides a service for reservation remittance to a financial institution or a plurality of financial institutions, users do not need to perform separate remittance processing on the settlement date of the securities sale.

In the case of construction bonds or stock securities that cannot be withdrawn on the day of the sale application, when users apply for reservation remittance with the reservation sale, the server computer sends an e-mail, etc., to the user when the sale settlement date arrives. It is very convenient because it notifies the user through the remittance data and the selling price to a specific financial institution according to the reservation remittance data set by the user.

Herein, while the present invention has been described with reference to the preferred embodiments, those skilled in the art will variously modify the present invention without departing from the spirit and scope of the invention as set forth in the claims below. And can be changed.

Claims (13)

A network communication network which connects a plurality of unspecified communication lines to perform data communication with each other; After connecting to the server computer providing the securities transaction service including the reserve sale and reserve remittance function through the network communication network, and displays the sell window of securities provided from the server computer according to the user's request to sell the securities, Outputs the selling of the securities sold by the user on the selling window of the securities to the server computer, and outputs the reserved remittance data input by the user to the server computer for reserve remittance of the selling price to a specific financial institution. A plurality of user computers that receive confirmation data output from the server computer and display on the screen a confirmation of the sale of the securities data and the reserved remittance data; Periodically update the revenue information for the operation of a plurality of securities purchased by a plurality of users to build a database, and if the request to sell the securities from the user computer connected through the network communication network inputs a sell securities window When the security sell data and the reserved remittance data are input through the sell security window, the data requesting the final confirmation of the sold sell data and the reserved remittance data input by the user is output to the user computer. When the final confirmation is made by the user, the seller sells the securities sold data and the reserved remittance data in the database, and when the sell date of the securities arrives, the funds are sent to the specific financial institution set by the user. Server computer; And A network-based securities transaction service system having a reserve selling and reserve remittance function, comprising a plurality of financial institution servers for depositing and processing the selling price remitted from the server computer to a user's account. The method of claim 1, wherein the server computer, A data input unit for inputting data according to an operation program and a plurality of securities operations, which support the selling of securities including reservation selling and reservation remittance functions of a plurality of users by a server operator; Controls a database of operating programs and a plurality of securities operation data input through the data input unit, controls the output of the sell securities window according to the user's request to sell securities, and the user through the sell securities window. Controls the output of the data requesting final confirmation of the entered securities sell data and the reserved remittance data, and controls the construction of a database of the sold and the remitted securities data entered by the user when final confirmation is made by the user. A main control unit controlling the transfer of the selling price to a specific financial institution set by the user when the sale settlement date of the securities arrives; Under the control of the main control unit stores a plurality of securities operation data input through the data input unit, and stores the securities selling data and reservation remittance data input by the plurality of users, at the request of the main control unit A database unit configured to output pre-stored data and to store a reservation remittance result to a specific financial institution performed by the main controller; And In response to a request for selling the securities of the users connected through the network communication network, the securities selling window output from the main controller is output to the corresponding user computer, and the securities selling data, reservation remittance data, and final confirmation data input by the corresponding user are output. And a communication control unit configured to include a communication control unit for transmitting the securities selling price to the corresponding financial institution server under the control of the main control unit and outputting the same to the main control unit. Securities trading service system. The method of claim 1, wherein the server computer, When the selling price of a specific security is settled when the selling price of the reservation is set, the network having the reservation selling and reservation remittance function is notified to the user who has made the reservation selling of the security by wire / wireless. Based securities trading service system. The method of claim 1, wherein the server computer, A network-based securities transaction service system having a reserve sale and reserve remittance function, which provides a service for enabling a reserve remittance by distributing a selling price according to a user's request to sell a securities. The method of claim 1, wherein the server computer, The network-based oil price with the reserve sale and reserve remittance function, characterized in that the user who requested to sell the securities does not request a reservation remittance, and deposits the remaining sell-out payment as a deposit in the user's withdrawal account after the reservation remittance. Securities Trading Service System. The method of claim 1, wherein the server computer, If the user requesting to sell the security is requested to view the valuation amount as of the payment date, In the case of securities that can withdraw the selling price on the day of the selling application, the valuation amount of the securities is immediately provided to the user. A network-based securities transaction service system with a reserve sale and reserve remittance function, which is provided to a corresponding user when a sale settlement date arrives in the case of construction bonds or stock securities that are unable to withdraw the selling price on the sale application day. The method of claim 1, wherein the securities selling window, A security selling data input window for inputting an account number, a password, and an application for selling of the security to be sold by the user; A reservation remittance data input window in which a user inputs a bank code, a bank account number, a bank account confirmation, and a remittance amount for reservation remittance; And The network-based oil price with the reserve selling and reserve remittance function, comprising a display window displaying the securities selling data and the reserved remittance data input by the user output from the server computer for the final confirmation of the user. Securities Trading Service System. (1) outputting a sell window of the securities to the corresponding user computer according to a user's selection of selling the securities connected to the server computer; (2) On the server computer, data such as account number, password, and request for selling certain securities entered by the user through the Sell Securities window, and bank code, bank account number, and remittance amount required for reserve remittance of the selling price. Storing data such as a database; And (3) Sell the relevant securities on the date of settlement of the sale according to the securities selling data such as the account number, password, and the amount of the selling request and the reserved remittance data such as bank code, bank account number, and remittance amount, etc. A network-based securities transaction service method having a reserve selling and reserve remittance function, comprising the step of remitting a selling price to a financial institution set by a user. The method of claim 8, wherein the process (1), (1-1) users making a communication connection to a server computer through a network communication network; (1-2) judging whether a sell-off menu of a plurality of menus is selected by the user; And (1-3) A network-based securities transaction service method having a reserve selling and reserve remittance function, comprising: outputting a sell security window according to a menu selected by a user to a corresponding user computer. The method of claim 8, wherein the process (2), (2-1) judging whether the user inputs an account number, a password, and a sale price of the securities of the purchase request amount on the sale window of the security; (2-2) determining whether a user inputs a bank code, a bank account number, and reserved remittance data of a remittance amount on a securities selling window; (2-3) outputting, from the server computer, data for requesting final confirmation of the securities selling data and the reserved remittance data input by the user to the corresponding user computer; (2-4) determining whether the final confirmation of the securities selling data and the reservation remittance data is selected by the user; And (2-5) A network-based securities transaction service method having a reserve selling and reserve remittance function, comprising storing the securities selling data and reserved remittance data input by a user in a database. The method of claim 10, wherein if the user inquires the valuation amount based on the settlement date of the sale of the security for sale while the user enters the sales data of the security through the step (2-1), In the case of securities that can withdraw the selling price on the day of the selling application, the valuation amount of the securities is calculated from the server computer and provided to the user. In the case of construction bonds or stock securities that cannot withdraw the selling price on the sale application day, the server computer calculates the valuation amount of the securities when the settlement date arrives and provides them to the corresponding user. A network-based securities trading service method. The method of claim 8, wherein the process (3), (3-1) determining whether a settlement date for selling the securities requested by the users has arrived at the server computer; (3-2) selling, at the server computer, the securities whose payment settlement date has arrived; (3-3) determining whether the user who applied for the sale of the securities has set up the reservation remittance after the sale of the securities; (3-4) when the reserved remittance is set, sending the selling price of the security from the server computer to the financial institution set by the user; (3-5) storing the contents of the remittance to the financial institution in the database according to the reserved remittance set by the user at the server computer; And (3-6) If the reservation remittance is not set as a result of the step (3-3), the reserve sale and reservation, comprising the step of depositing the selling price of the securities into the user's withdrawal account Network-based securities transaction service method with remittance function. The method according to claim 8, wherein in the process (3), When the date of settlement of the sale of a security of a specific user who requested to make a reservation arrives, A network-based securities transaction service method having a reserve sale and reserve remittance function, which notifies a user who has set a reservation sale in a server computer to sell contents of the security by wire / wireless.