KR20030043841A - Method for directly settlement of stock charge by the on line - Google Patents

Abstract

The present invention relates to payment of a sale price of a stock, and more specifically, to obtain immediate payment approval of a securities company only when a request for immediate payment is made when trading a stock so that a transaction amount generated in the securities company can be immediately paid in real time. It is about a method of making an instant payment of stocks through online.

The instant payment method for the stock price according to the present invention, in order to facilitate the payment on the day by connecting the selling price with a financial institution during online stock trading: various fees according to the sale of the stock at the securities firm selling the stock Requesting a predetermined transaction approval to the system server by selecting whether or not to immediately settle the stock transaction price except for the same; Confirming, by the system server, whether the current transaction approval request is an approval request for payment; Mediating the immediate payment transaction approval request information to the securities company's immediate payment server requesting the transaction approval when the transaction approval request for the immediate payment is made; Comparing and analyzing the payment transaction approval request information at the securities company to determine whether to immediately approve the payment transaction, and setting a transaction amount excluding a fee according to the payment immediately; Including the step of depositing the stock transaction payment to the bank account of the stock seller, and at the same time including the step of informing the securities firms, the payment is made on the same day in connection with the financial institution department is characterized in the technical configuration.

In another aspect, the present invention comprises the step of depositing the amount of the stock transaction price excluding the fee according to the payment immediately from the financial institution to the securities company of the securities company and at the same time notifying the securities company of the deposit confirmation; The method may further include depositing the stock transaction payment received from the financial institution from the securities company's securities account to the seller's bank account on the day of sale.

Therefore, the present invention, by adding a payment function immediately to the payment server of the securities company, the securities company can receive the stock transaction price excluding the fees according to the predetermined instant payment immediately after the stock commerce without additional equipment so that the stock seller sells stock Cash can be cashed immediately to secure cash liquidity, and the integrated management system of financial services has the effect of establishing a stable stock trading informatization system at low cost.

Description

Method for directly settlement of stock charge by the on line}

The present invention relates to payment of the selling price of the stock online, and more specifically, in the case of requesting immediate payment upon the stock transaction, the payment of the securities company immediately obtains payment immediately in real time for the transaction amount generated by the securities company. It is about the payment method of stock price through online payment.

Generally, listed stocks that are listed on securities firms or other stock exchanges and can be traded intraday are listed stocks, which are traded on the exchange only when the company meets certain conditions.

In addition to listed stocks, there are over-the-counter stocks, that is, unlisted stocks. Over-the-counter stocks refer to stocks that are not listed on the stock exchange. As a result, there are private shares that cannot be traded in the over-the-counter market. Over-the-counter stocks are also referred to as unlisted shares because they are not listed for other reasons.

The general stock exchange is a market for trading only listed securities, so unlisted securities or securities that are less than trading units, such as single shares, stocks that have stopped trading, or stocks that have been delisted, cannot be traded on the stock market. Have Therefore, in order to trade such securities, a separate market is required rather than an exchange market, which is called an over-the-counter market, and is called an over-the-counter market or an over-the-counter stock market.

The over-the-counter market can be divided into a direct trading market where transactions are made by individual contacts and negotiations between trading partners and a head market in which transactions are intervened by specialized brokers such as securities companies in the transaction process. The OTC market originally had no specific organization and trade methodology due to the nature of the naturally occurring market, but in developed countries, the OTC market is developing into a specific organizational market that is equivalent to the exchange market by institutionalizing the OTC market.

Examples of institutional over-the-counter markets include NASDAQ in the US, stock market in Japan, and USM market in the UK. Korea is an institutionalized market from April 1987. Korea Securities Dealer Quotation was established in July 1996. There is).

However, all stock investors can buy or sell stocks listed on the conventional stock exchange market or KOSDAQ market. In the form of stock trading, which buys and sells the stocks, as shown in FIG. 1, a buy or buy order is made through a securities company, and the stock is traded in the stock exchange market or the KOSDAQ market according to the order. In other words, they could not trade directly with each other, such as buying and selling goods, but only through brokers.

The stock trading method must be ordered through a securities company, the trading time is also limited, there was a hassle to submit the price and quantity at the same time in the order method.

In addition, there is no opportunity for bargaining parties to negotiate in the trading method, and the trade is automatically concluded when the terms of sale and purchase orders are met. In the conventional stock market, all trades are made in the same way, from individual investors who trade in small amounts to institutional investors who trade in large quantities.

The above-mentioned method of selling and selling securities provides investors with fair trading opportunities, while the sellers of stocks are only allowed to receive the selling price of the securities for at least two days. It's 3:30 earlier than the end time.

Therefore, even if a stock holder needs an emergency fund and sells and disposes the stock he owned, the funds cannot be financed on the day of the sale. For example, if there is a holiday or a national holiday after the sale date, the sale price is later than usual. Since the bankruptcy of the company could not be prevented due to the receipt of the expiration notes, there was a problem that it could not accommodate the various trading demands of the stock sellers.

Therefore, in order to overcome the limitations of the stock exchange or KOSDAQ market having the above problems and risk factors, the system is developed to facilitate the cash flow by allowing the stock selling price to be deposited into one's account on the day of sale of the stock. This is desperately required.

The present invention has been invented to solve the above conventional problems, the object of the present invention is to provide a payment processing system in the server system unit to provide information on the immediate payment (same day payment) in the securities company stock trading the server system unit Securities firms ask the server system for the immediate payment of the stock transaction to the server system so that the buyer can settle the amount on the same day without a certain fee through the request for examination. It is possible to provide a payment method for stock payments online so that the necessary funds can be obtained immediately.

Brief description of the drawings

1 is a block diagram showing a conventional stock transaction settlement process;

FIG. 2 is a block diagram illustrating an immediate payment process of stock price according to an embodiment of the present invention, showing a state in which a transaction amount is immediately settled to a seller's bank account during a stock transaction; FIG.

Figure 3 is a block diagram showing a stock payment immediate payment system applied to the present invention;

FIG. 4 is a flowchart illustrating a service operation of instantly paying a seller an amount of a transaction during a stock transaction in the instant settlement system of FIG. 2; FIG.

FIG. 5 is a block diagram illustrating an immediate payment process of a stock price according to another embodiment of the present invention, in which a transaction amount is immediately settled to a securities company's bank account of a stock trader, and a securities company deposits a bank account of a seller. Figure showing;

FIG. 6 is a flowchart illustrating an immediate payment service operation according to the instant payment system of FIG. 5.

* Description of Signs of Main Parts of Drawings *

10: Seller 11: Buyer

30: securities firm 40: system server

41: web server 42: system operation server

43: payment server 44: database server

50: Ministry of Finance

In accordance with an embodiment of the present invention for achieving the above object, the immediate payment of the stock price online, in the settlement of payments on the same day in connection with the financial institution selling payments on the stock online: Selecting whether or not to immediately settle the stock transaction price, excluding various fees according to the stock sale, by the securities company selling the stock and requesting a predetermined transaction approval to the system server; Confirming, by the system server, whether the current transaction approval request is an approval request for payment; Mediating the immediate payment transaction approval request information to the securities company's immediate payment server requesting the transaction approval when the transaction approval request for the immediate payment is made; Comparing and analyzing the payment transaction approval request information at the securities company to determine whether to immediately approve the payment transaction, and setting a transaction amount excluding a fee according to the payment immediately; Including the step of depositing the stock transaction payment to the bank account of the stock seller and at the same time informing the securities firms, it is characterized in that the payment is made on the same day in connection with the financial institution department.

According to another embodiment of the present invention, the step of depositing the amount of the stock transaction price excluding the fee according to the immediate payment from the financial institution to the securities company of the securities company and at the same time notifying the securities company of the deposit confirmation; Of course, the method may further include depositing the stock transaction payment received from the financial institution from the securities company's securities account to the stock seller's bank account on the day of sale.

In addition, the system server according to the present invention is preferably located independently of the securities firms and financial institutions to link brokerage between these securities firms and financial institutions.

In addition, the system server may be installed and operated in the securities company or financial institution server, or may be installed and operated between the securities company and the seller or the financial institution and the seller.

Therefore, in the present invention, by adding a payment function immediately to the payment server of the securities company, the securities company can receive the stock transaction price excluding the fees according to the predetermined instant payment immediately after the stock commerce without additional equipment so that the stock seller can sell the stock Cash can be immediately cashed to secure cash liquidity, and an integrated management system for financial services can create a stable stock trading informatization system at low cost.

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

Figure 2 is a view showing a payment method for the stock price immediately according to the present invention, the present invention is to make the payment to facilitate the payment on the day in connection with the selling price when the stock trading online.

Referring to FIG. 2, the stock is a buyer securities company opened an account of the buyer 20 through a stock exchange (not shown) from the seller securities company 30 in which the seller's account was opened in response to the transfer request of the seller 10. Transfer to the path of (30). In addition, the price for the stock is to be paid to the seller 10 on the seller day 10 through the immediate payment system 40 and the financial institution 50 in the buyer 20 bar, the concept of the present invention shown in FIG. An embodiment is described with reference to FIG.

Looking at the process of payment of the stock price of the stock seller through the service according to the present invention, as shown in Figure 3, if there is an order to be bought by the buyer 20 and the seller 10, the securities company 30 is the buyer After confirming the selling amount of (20) and the corresponding stock trading price, the stock for the seller (10) is purchased.

At this time, the securities firms 30 determine the instant settlement of the net stock trading price excluding various taxes and predetermined fees according to the stock sale, and the system server 40 through the Internet or online only when the seller 10 wants it. Through the web server 41 or the online connection of the connection to the system operation server 42 to request a payment immediately, the server system unit 40 pays the stock sale price for the corresponding sale of the securities company payment server ( 43, the financial institution 50 asks for approval.

In this case, the DB server 44 stores the matters related to the payment immediately when the stock is bought or bought. In this case, the financial institution 50 notifies the securities firm 30 with the approval number when the financial institution 50 decides to approve the selling price of the stock, and the seller pays the amount excluding the commission due to the immediate settlement. By making the automatic transfer, the payment is made immediately on the day of the sale of the stock, enabling smooth fund management.

4 is a diagram illustrating a state in which a stock trading price is settled according to the present invention, which automatically transfers an amount excluding a commission according to payment immediately from a financial institution (eg, a capital company, a second financial institution, etc.) to a seller's account. It is. Therefore, the seller receives the net amount (D) of the total share price (A), excluding various taxes and fees (B) of the securities company and the fee (C) for the immediate settlement of the financial institution. That is, the amount D received by the seller is as follows.

D = A-B-C.

6 is a flow chart for the seller to be paid for the stock selling price according to the present invention is shown in the bar, the securities company 30 to request the payment according to the stock sale by connecting to the system operation server, the securities company At 30, the customer information recorded in the database of the customer is combined and transmitted to the system server 40 through a dedicated line or a communication network to request transaction approval (steps S1 and S2), and the securities company 30 server at this time is When the seller 10 decides whether he or she wants to make an immediate payment and a general ordinary payment. If the seller wants to receive the payment immediately, the system server 40 requests the transaction approval for the payment immediately. The system server 40 receiving the request analyzes the transaction approval request information received from the server of the securities firm 30, and the current transaction approval request is immediately settled for payment. Will determine whether the transaction authorization request (step S3).

At this time, if the current transaction approval request is a general transaction approval request instead of a transaction approval request for immediate payment, the general stock transaction is processed by mediating the transaction approval request to the securities company 30 according to the conventional transaction approval procedure. After 2-3 days, the amount excluding the utility bill and the brokerage fee is transferred to the seller's securities account (step S4).

However, if the current transaction approval request is a transaction approval request for immediate payment, the system server 40 intermediates the current transaction approval request to the immediate payment server of the securities company 30 in order to provide an immediate payment service to the seller. To this end, the server of the securities company immediately reads the transaction information included in the payment transaction approval request information, checks the financial institution 50 for requesting the transaction approval (step S5), and then immediately checks the payment server of the financial institution 50. Upon connection and request, the payment transaction approval request information is intermediated (step S6).

Then, the immediate settlement server of the financial institution 50 analyzes the information of securities firms, customer information, and transaction details included in the payment transaction approval request information immediately brokered by the system server 42, and the amount of stock currently traded. And the amount of the sale, etc., and the securities company or the relevant company determines whether there is no reason for disqualification at the time of payment or whether the transaction between them is valid, and decides whether to approve the payment immediately. The result is notified to the securities company requesting the transaction approval in accordance with the intermediation of the system server 42 (step S7).

At the same time, the financial institution can facilitate the seller's financial transactions by transferring the stock, excluding the fees due to immediate settlement, to the seller's bank account on the day of sale (steps S8, S9).

In this way, the securities firm 30 automatically pays a predetermined transaction fee according to the advance agreement with the securities company and financial institution, and immediately pays the transaction price for the stock transaction only when the seller wants to pay the stock immediately. It will be possible to secure cash liquidity.

In summary, the payment service of the above-mentioned stock trading price is added to the securities firm 30, and when the seller deactivates the payment function immediately according to the seller's choice, the payment is made by requesting the transaction approval by the existing postpay method. If the immediate payment function is activated, the transaction is requested for immediate payment so that payment is made immediately for stock trading.

In addition, when the payment is made immediately in the present invention, it may be applied by entering into a fee contract separate from the fee of the existing securities company, thereby providing the payment service immediately without any loss from the financial institution's point of view. In the case of stock sellers, even if they pay a relatively high fee, they can immediately cash the stock price to secure cash liquidity.

5 is a block diagram showing a stock payment process according to another embodiment of the present invention, as shown in this embodiment, the amount of a transaction in a stock transaction is directly sold by the financial institution 50. Rather than making an instant deposit into the bank account of (10), the bank account of the securities firm 30 is immediately settled from the financial institution 50, and the securities firm 30 deposits the bank account of the seller. This is useful when the securities firm 30 needs to be reimbursed the seller's stock price for some reason, and FIG. 6 is a flowchart for implementing the method shown in FIG. Except for that, the same description as in the embodiment of FIG. 4 is omitted.

Therefore, in the present invention, by adding a payment function immediately to the payment server of the securities company, the securities company can receive the stock transaction price excluding the fees according to the predetermined instant payment immediately after the stock commerce without additional equipment so that the stock seller can sell the stock Cash can be cashed immediately to secure cash liquidity, and the integrated management system of financial services has the effect of establishing a stable stock trading informatization system at low cost.

The system server 40 according to the present invention has been described as being independently located between the securities firm 30 and the financial institution 50 to link and broker these securities firm 30 and the financial institution 50. Without limiting, many modifications and variations may be made within the scope of the following claims.

For example, the system server 40 may be installed in the securities firm 30 or the financial institution 50 server. In this case, the securities firm 30 may be directly paid to the seller, and also in the financial institution 50. Of course, the seller can make payment directly.

Claims (4)

In making payments on the same day in connection with the financial institution for the online trading of stocks: Selecting whether or not to immediately settle the stock transaction price, excluding various fees according to the stock sale, by the securities firm 30 of the stock seller and requesting a predetermined transaction approval to the system server 40; Confirming, by the system server 40, whether the current transaction approval request is an approval request for payment; Mediating the immediate payment transaction approval request information to the immediate payment server of the securities company 30 requesting the transaction approval when the transaction approval request for the immediate payment is made; Comparing and analyzing the payment transaction approval request information at the securities company 30 to determine whether to approve the payment transaction immediately and to set a transaction amount excluding a fee according to the payment immediately; The payment is made on the same day in connection with the financial institution 50, including the step of depositing the stock transaction price into the bank account of the stock seller and informing the securities firm 30 of the deposit confirmation. Payment system for stock payments immediately. The method of claim 1, further comprising: depositing an amount excluding a fee according to the immediate payment of the stock transaction price from the financial institution 50 to the securities account of the securities company 30 and informing the securities company 30 of the deposit confirmation; ; The payment system for the stock payment via online, further comprising the step of depositing the stock transaction payment received from the financial institution (50) from the securities company of the securities company to the bank account of the stock seller (10). The method of claim 1, wherein the system server 40 is located between the securities firm 30 and the financial institution 50 to link intermediary between the securities firm 30 and the financial institution 50 through online Instant payment system for stocks. The system of claim 1, wherein the system server (40) is installed in the securities company (30) or financial institution (50) server, the payment system for stock payments online.