TWM646960U - Gold account trading system - Google Patents

Abstract

A gold passbook trading system includes an internal server and a transaction server electrically connected to the internal server. After a first user inputs a gold commissioned transaction order through a first terminal device on a gold trading website provided by the transaction server, the transaction server combines a commissioned purchase price included in the gold commissioned transaction order with A commissioned selling price included in at least one gold commissioned sale transaction order from at least one second terminal device is subjected to a transaction-by-trade matching process, and the commissioned bid price of the gold commissioned purchase transaction order is compared with the at least one gold commissioned sale transaction order. After the commissioned selling price meets a matching condition, the gold buying and selling transaction is executed, and a transaction fee is generated according to a preset transaction fee formula. The transaction fee formula is to calculate the transaction fee based on a real-time gold trading price, a transaction price and a trading volume of the gold transaction.

Description

Gold passbook trading system

The present invention relates to a trading system, in particular to a gold passbook trading system for buying and selling non-physical gold.

Currently, in the gold passbook market of banks in Taiwan, the gold sponsor banks (currently there are only three banks, Bank of Taiwan, First Bank and Taishin Bank) act as market makers in a two-way (buying and selling) quotation to drive the transaction in the bargaining market. All other banks are agency banks for gold passbooks, and their quotations are based on the price of the gold sponsoring bank. However, the current two-way quotation mechanism has the disadvantage of high price spreads (the difference between the selling price and the buying price), which causes customers to reduce the number of gold buys and sells, resulting in less active transactions in the gold passbook buying and selling market, and poor long-term returns for banks. Therefore, providing a trading system that can activate the gold passbook market, reduce customer transaction costs, reduce the risk of bank traders holding gold positions, and increase bank profits has become a topic worthy of study.

Therefore, the purpose of the present invention is to provide a gold passbook trading system for non-physical gold buying and selling.

Therefore, the present invention provides a gold passbook transaction system, which is suitable for communicating with a first terminal device used by a first user and at least a second terminal device used by at least a second user to match a gold transaction. Transaction, and includes an internal server and a transaction server.

This internal server regularly generates a real-time gold trading price. The transaction server is electrically connected to the internal server to receive the real-time quotation of gold buying and selling, and communicates with the first terminal device and the at least one second terminal device to provide a gold trading website to the first terminal device and the at least one second terminal device. the at least one second terminal device. The gold trading website displays the real-time trading price of the gold.

Among them, after the first user inputs an account identification code, a transaction password and a gold commissioned purchase transaction instruction on the gold trading website through the first terminal device, the trading server converts the gold commissioned purchase transaction instruction to the A commissioned buying price is matched with a commissioned selling price included in at least one gold commissioned selling transaction order from the at least one second terminal device, and the commissioned buying price of the gold commissioned buying transaction order is matched with the at least one commissioned selling price. After the commissioned selling price of a gold commissioned selling transaction order meets a matching condition, the trading server executes the gold buying and selling transaction. The matching conditions are related to the real-time trading price of the gold.

After the transaction server executes the gold purchase and sale transaction, it generates a transaction fee based on a preset transaction fee formula. The transaction fee formula is based on the real-time quotation of the gold purchase and sale, a transaction price of the gold purchase and sale transaction, and a transaction fee. The transaction fee is calculated based on the amount.

In some implementations, the real-time gold trading price includes an immediate buying price of a gold passbook and an immediate selling price of a gold passbook, and the commissioned buying price must be less than or equal to the real-time selling price of the gold passbook. The selling price must be greater than or equal to the real-time buying price of the gold passbook.

In some implementations, there are a plurality of gold commissioned selling transaction instructions in the transaction-by-trade matching process, and the matching condition is that the commissioned buying price is greater than or equal to each commissioned selling price. When the gold commissioned buying transaction When the commissioned buying price of the order and the commissioned selling price of the gold commissioned selling transaction order meet the matching conditions, the trading server will sort the commissioned selling prices from low to high, and use the lowest commissioned selling price in the ranking. As the transaction price and execute the gold purchase and sale transaction.

In some implementations, each of the gold commissioned selling orders also includes a commissioned selling time point, when one of the commissioned selling prices is the same as another of the commissioned selling prices and has the lowest ranking. At that time, the trading server determines to use the commissioned selling price of the gold commissioned selling transaction order that precedes the commissioned selling time point as the transaction price and executes the gold buying and selling transaction.

In some implementations, the gold commissioned buying transaction order also includes a commissioned buying volume, each gold commissioned selling transaction order also includes a commissioned selling volume, and the transaction fee formula includes a commissioned buying transaction fee formula. There is a selling transaction fee formula and a buying transaction fee formula. , Min is taken ( )and( ), whichever of the two values is smaller, the transaction fee formula for the commissioned sale will be , Min is taken ( )and Whichever of the two values is smaller, the trading volume refers to the quantity that the commissioned buying volume matches the commissioned selling volume during the gold trading transaction.

The function of this new model is to use the trading server to perform the transaction-by-trade matching process between the commissioned buying price included in the gold commissioned buying transaction order and the commissioned selling price included in the at least one gold commissioned selling transaction order, and in the After the commissioned buying price of the gold commissioned buying transaction order and the commissioned selling price of the at least one gold commissioned selling transaction order meet the matching conditions, the gold buying and selling transaction is executed, and the transaction procedure is generated according to the preset transaction fee formula. The transaction fee formula is calculated based on the real-time quotation price of the gold purchase and sale, the transaction price and the transaction volume of the gold purchase and sale transaction. Through this, customers who are commissioned to buy gold and customers who are commissioned to sell gold can complete transactions at a price that is more affordable than the real-time gold trading price published by the bank, and the transaction fee formula adopted is a variable and selective type rather than a fixed fee. It can reduce customer transaction costs and invigorate the gold passbook market.

Before the present invention is described in detail, it should be noted that similar elements are represented by the same numbers in the following description. If not specifically defined, the "electrical connection" described in this patent specification generally refers to the "wired electrical connection" achieved by connecting multiple electronic devices/devices/components to each other through conductive materials, as well as through wireless communication technology. "Radio connection" for one/two-way wireless signal transmission. On the other hand, the "electrical connection" mentioned in this patent specification also generally refers to the "direct electrical connection" formed by multiple electronic devices/devices/components being directly connected to each other, as well as the "direct electrical connection" between multiple electronic devices/devices/components. They are also indirectly connected to each other through other electronic equipment/devices/components to form an "indirect electrical connection".

Referring to Figure 1, an embodiment of the new gold passbook transaction system is suitable for conducting transactions with a first terminal device 1 used by a first user and a plurality of second terminal devices 2 respectively used by a plurality of second users. The communication is used to match a gold trading transaction and includes an internal server 4 and a transaction server 3 electrically connected to the internal server 4 . The first user and the at least one user are, for example, gold passbook depositors of a banking institution. Any one of the first terminal device 1 and the second terminal devices 2 is, for example, but not limited to, a personal computer, a notebook computer, a mobile device, or a tablet computer.

The internal server 4 regularly generates a real-time gold trading price by regularly receiving a real-time international gold price provided by an external source (for example, an international gold price server, not shown in the figure), and provides the real-time gold buying and selling price to the Trading Server 3. The transaction server 3 communicates with the first terminal device 1 and the second terminal devices 2 through the Internet to provide a gold trading website to the first terminal device 1 and the second terminal devices 2. The gold trading website is, for example, the banking institution's online banking or mobile banking, and displays the real-time gold trading price. In this embodiment, when the price is stable, the real-time gold trading price is updated every five minutes; when the price fluctuates greatly (for example, when the bid-ask spread is greater than a preset tolerance value), the real-time gold buying and selling price is updated every five seconds. , but not limited to this.

The technical details of the gold purchase and sale transaction will be explained in detail below, with reference to Figures 1 and 2, of an embodiment of the new gold passbook transaction method. The gold passbook transaction method includes the following steps S01 to S04.

First, the internal server 4 regularly generates the gold buying and selling price. The real-time gold trading price includes an immediate buying price of a gold passbook and an immediate selling price of a gold passbook. The transaction server 3 executes step S01. In step S01, the transaction server 3 regularly receives the gold buying and selling price provided by the internal server 4. For example, the latest real-time buying price of the gold passbook received by the transaction server 3 is 1,716 yuan/unit, and the real-time selling price of the gold passbook is 1,738 yuan/unit.

Then, the first user inputs an account identification code (for example, online banking user code), a transaction password (for example, online banking user password) and After receiving a gold commissioned transaction order, the transaction server 3 executes step S02. In step S02, the transaction server 3 combines a commissioned price included in the gold commissioned transaction order with the price from each second terminal device 2. A gold commission selling transaction order contains a commission selling price for a transaction-by-trade matching process. The trade-by-trade matching procedure is similar to stock matching rules, such as one of on-the-go, partial execution, or execution based on the entrustment time and multiple prices. In this embodiment, the trade-by-trade matching procedure takes matching based on the entrusted time as an example. In addition, the types of pending orders of the gold commissioned buy transaction order and each gold commissioned sell transaction order are also similar to stock pending orders, such as valid orders of the day (Rest of Day, ROD), immediate execution or cancellation (Immediate or Cancel) and all Either transaction or cancellation (Full or Kill, FOK). In this embodiment, the pending order type of the gold commissioned buy transaction order and each gold commissioned sell transaction order is an order that is valid for the day. The gold commissioned buying transaction order also includes a commissioned buying time point and a commissioned buying amount. Each gold commission selling transaction order also includes a commission selling time point and a commission selling volume. It should be noted that the commissioned buying price must be less than or equal to the real-time selling price of the gold passbook, and the commissioned selling price must be greater than or equal to the real-time buying price of the gold passbook.

Then, the transaction server 3 executes step S03. In step S03, the transaction server 3 determines whether the commissioned buying price of the gold commissioned buying transaction order and the commissioned selling price of the gold commissioned selling transaction order match a matching condition. If so, the process will proceed to step S04; otherwise, the process will return to step S03, and the transaction server 3 will re-judge the commissioned purchase price of the gold commissioned buy transaction order and the commissioned sales of the gold commissioned sell transaction order. Whether the price meets the matching conditions. In the trade-by-trade matching procedure, the matching condition is, for example, that the commissioned purchase price is greater than or equal to each commissioned offer price. When the commissioned buying price of the gold commissioned buying transaction order and the commissioned selling price of more than one of the gold commissioned selling transaction orders meet the matching condition, the transaction server 3 sorts the commissioned selling prices from low to high, And the lowest commissioned selling price in the ranking is used as the transaction price and the gold purchase and sale transaction is executed. For another example, when more than one of the commissioned selling prices has the same price and is ranked lowest, the matching condition is, for example, the commissioned selling order among the gold commissioned selling orders corresponding to the lowest ranking commissioned selling price. The commissioned selling price corresponding to the gold commissioned selling transaction order at the earlier time point shall be the transaction price.

Finally, the transaction server 3 executes step S04. In step S04, after the transaction server 3 executes the gold buying and selling transaction, it generates a transaction fee according to a preset transaction fee formula. The transaction fee formula includes the one-commitment buy transaction fee formula and the one-commission sell transaction fee formula, and the transaction fee is calculated based on the real-time quotation price of the gold purchase and sale, the transaction price and the transaction volume of the gold purchase and sale transaction. In this embodiment, the transaction fee formula for commissioned purchase is , Min is taken ( )and( ), whichever of the two values is smaller, the transaction fee formula for the commissioned sale will be , Min is taken ( )and Whichever of the two values is smaller, the trading volume refers to the quantity that the commissioned buying volume matches the commissioned selling volume during the gold buying and selling transaction, but this is not a limitation.

Below, an example is given to explain in detail how to implement the gold passbook transaction method of this embodiment. Assume that the latest real-time buying price of the gold passbook received by the transaction server 3 is 1,716 yuan/unit, and the real-time selling price of the gold passbook is 1,738 yuan/unit. The gold commissioned purchase transaction order includes a commissioned purchase volume of 390 units and a commissioned purchase price of 1,737 yuan/unit. When the trading server 3 receives the gold commissioned purchase transaction order, the commissioned purchase price contained in the gold commissioned purchase transaction order and the multiple commissioned selling prices contained in the current multiple gold commissioned selling transaction instructions are processed one by one. A matching procedure, and assuming that among the gold commissioned selling orders, there are five gold commissioned selling orders that meet the matching conditions, the transaction server 3 will follow the commissioned selling prices of the five gold commissioned selling orders. Sorting from low to high, for example, among the five gold commissioned selling orders, the first gold commissioned selling transaction includes a commissioned selling volume of 50 units and a commissioned selling price of 1,733 yuan/unit. The second gold commissioned selling transaction contains The commissioned selling volume included in the order is 90 units, and the commissioned selling price is 1,734 yuan/unit. The commissioned selling volume included in the third gold commissioned selling transaction order is 80 units, and the commissioned selling price is 1,735 yuan/unit. The four gold commissioned selling orders include a commissioned selling volume of 70 units and a commissioned selling price of 1,736 yuan/unit. The fifth gold commissioned selling transaction order includes a commissioned selling volume of 60 units and a commissioned selling price of 1,736 yuan/unit. 1737 yuan/unit.

Then, the transaction server 3 uses the lowest commissioned selling price in the ranking as the transaction price and executes the gold buying and selling transaction. That is to say, the trading server 3 uses the commissioned selling price of the first gold commissioned selling transaction order of 1,733 yuan/unit as the transaction price and executes the gold buying and selling transaction, and the trading volume of the gold buying and selling transaction is 50 units. . Then the transaction server 3 calculates the amount to be sent to the first user and the second user corresponding to the first gold commissioned sale transaction based on the real-time gold trading price, the transaction price and the trading volume of the gold transaction. The transaction fee charged by the investor. The commissioned purchase transaction fee to be charged to the first user Yuan. Since the basic unit of the national currency is yuan (yuan), the transaction fee charged to the first user can be rounded, unconditionally rounded or unconditionally rounded to an integer. In this embodiment, the commissioned purchase transaction fee charged to the first user is rounded to an integer, that is, 217 yuan. The commissioned sale transaction fee to be charged to the corresponding second user Yuan, round up the commissioned sale transaction fee charged to the corresponding second user to an integer, which is 217 yuan.

Then, the transaction server 3 uses the commissioned selling price of 1,734 yuan/unit (the lowest price in the sorting) of the second gold commissioned selling transaction order as the transaction price and executes the gold buying and selling transaction, and the gold buying and selling transaction is The volume is 90 units. Then the transaction server 3 calculates the transaction fee based on the commissioned purchase. Yuan, round up the commissioned purchase transaction fee charged to the first user to an integer, that is, 360 Yuan. The commissioned sale transaction fee to be charged to the corresponding second user Yuan, round up the commissioned sale transaction fee charged to the corresponding second user to an integer, that is, 390 Yuan.

Then, the trading server 3 uses the commissioned selling price of 1,735 yuan/unit (the lowest price in the sorting) of the third gold commissioned selling transaction order as the transaction price and executes the gold buying and selling transaction, and the gold buying and selling transaction is The volume is 80 units. Then the transaction server 3 calculates the transaction fee based on the commissioned purchase. Yuan, round up the commissioned purchase transaction fee charged to the first user to an integer, that is, 240 Yuan. The commissioned sale transaction fee to be charged to the corresponding second user Yuan, round up the commissioned sale transaction fee charged to the corresponding second user to an integer, that is, 347 Yuan.

Then, the transaction server 3 uses the commissioned selling price of 1,736 yuan/unit (the lowest price in the sorting) of the fourth gold commissioned selling transaction order as the transaction price and executes the gold buying and selling transaction, and the gold buying and selling transaction is The volume is 70 units. Then the transaction server 3 calculates the transaction fee based on the commissioned purchase. Yuan, round up the commissioned purchase transaction fee charged to the first user to an integer, that is, 140 Yuan. The commissioned sale transaction fee to be charged to the corresponding second user Yuan, round up the commissioned sale transaction fee charged to the corresponding second user to an integer, which is 304 yuan.

Then, the transaction server 3 uses the commissioned selling price of 1,737 yuan/unit (the lowest price in the ranking) of the fifth gold commissioned sale transaction order as the transaction price and executes the gold purchase and sale transaction, and the gold sale transaction The volume is 60 units. Then the transaction server 3 calculates the transaction fee based on the commissioned purchase. Yuan, round up the commissioned purchase transaction fee charged to the first user to an integer, that is, 60 Yuan. The commissioned sale transaction fee to be charged to the corresponding second user Yuan, round up the commissioned sale transaction fee charged to the corresponding second user to an integer, that is, 261 Yuan.

Then, follow the above steps until the commissioned purchase amount (390 units) is purchased or there is no longer a gold commissioned sale transaction order that meets the matching conditions within the time interval from 9:00 to 15:30 on the business day (that day). In this example, the cumulative transaction volume purchased by the first user is 350 (=50+90+80+70+60) units (40 units are still missing), and the cumulative transaction fee charged by the banking institution is 1017 (=217+360+240+140+60) yuan.

In other embodiments, if the commissioned selling prices contained in the two gold commissioned selling transactions are both the lowest price, that is, the above-mentioned 1733 yuan/unit, then the transaction server 3 decides to use the commissioned selling time point first. The commissioned selling price of the gold commissioned selling transaction order shall be the transaction price.

To sum up, by executing the gold passbook trading method through the gold passbook trading system, the first user (customer commissioned to buy gold) and the second users (customer commissioned to sell gold) can compare the The real-time gold trading price announced by the banking institution can be used to complete the gold trading transaction at a more affordable price, and the transaction fee formula adopted is a variable and preferential type rather than a fixed fee, which can reduce customer transaction costs and invigorate the gold passbook market. Therefore, the purpose and effect of this new type can indeed be achieved.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this new patent.

1: First terminal device 2: Second terminal device 3:Trading server 4: Internal server S01~S04: steps

Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a block diagram illustrating an embodiment of the new gold passbook trading system; and FIG. 2 is a flow chart illustrating how the gold passbook trading system of FIG. 1 executes an embodiment of the new gold passbook trading method.

1: First terminal device

2: Second terminal device

3:Trading server

4: Internal server

Claims (5)

A gold passbook trading system, suitable for communicating with a first terminal device used by a first user and at least a second terminal device used by at least a second user respectively to match a gold buying and selling transaction, and includes: An internal server that regularly generates a real-time gold trading price; and A trading server, which is electrically connected to the internal server to receive the real-time quotation of gold buying and selling, and communicates with the first terminal device and the at least one second terminal device to provide a gold trading website to the first terminal device and the at least one second terminal device. The at least one second terminal device, the gold trading website displays the real-time trading price of gold; Among them, after the first user inputs an account identification code, a transaction password and a gold commissioned purchase transaction instruction on the gold trading website through the first terminal device, the trading server converts the gold commissioned purchase transaction instruction to the A commissioned buying price is matched with a commissioned selling price included in at least one gold commissioned selling transaction order from the at least one second terminal device, and the commissioned buying price of the gold commissioned buying transaction order is matched with the at least one commissioned selling price. After the commissioned selling price of a gold commissioned selling transaction order meets a matching condition, the trading server executes the gold buying and selling transaction, and the matching condition is related to the real-time quotation of the gold buying and selling; After the transaction server executes the gold purchase and sale transaction, it generates a transaction fee based on a preset transaction fee formula. The transaction fee formula is based on the real-time quotation of the gold purchase and sale, a transaction price of the gold purchase and sale transaction, and a transaction fee. The transaction fee is calculated based on the amount. The gold passbook trading system as described in request item 1, wherein the real-time gold buying and selling price includes an immediate buying price of the gold passbook and an immediate selling price of the gold passbook, and the commissioned purchase price must be less than or equal to the real-time selling price of the gold passbook. The selling price must be greater than or equal to the real-time buying price of the gold passbook. The gold passbook trading system described in claim 2, wherein there are a plurality of gold commissioned selling transaction instructions in the transaction-by-transaction matching procedure, and the matching condition is that the commissioned buying price is greater than or equal to each commissioned selling price, when When the commissioned buying price of the gold commissioned buying transaction order and the commissioned selling price of the gold commissioned selling transaction order meet the matching conditions, the trading server will sort the commissioned selling prices from low to high, and rank the lowest in the ranking. The commissioned selling price is used as the transaction price and the gold purchase and sale transaction is executed. The gold passbook trading system as described in claim 3, wherein each gold commissioned sale transaction order also includes a commissioned sale time point, when one of the commissioned selling prices and the other of the commissioned selling prices If they are the same and the order is the lowest, the trading server will decide to use the selling price of the gold selling transaction order that precedes the selling time point as the transaction price and execute the gold buying and selling transaction. The gold passbook trading system as described in claim 4, wherein the gold commissioned buying transaction order also includes a commissioned buying volume, each gold commissioned selling transaction order also includes a commissioned selling volume, and the transaction fee formula includes a commissioned selling volume. The transaction fee formula for buying and selling, and the transaction fee formula for buying and selling. , Min is taken ( )and( ), whichever of the two values is smaller, the transaction fee formula for the commissioned sale will be , Min is taken ( )and Whichever of the two values is smaller, the trading volume refers to the quantity that the commissioned buying volume matches the commissioned selling volume during the gold trading transaction.

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