KR102715739B1 - Apparatus and device for loans collateralized with unlisted stocks - Google Patents

Abstract

One embodiment of the present disclosure may provide an over-the-counter stock transaction support device that transmits over-the-counter stock evaluation information including quantity information on over-the-counter stocks and transaction information on over-the-counter stocks, a loan screening server that determines a loanable amount and a loan amount based on the over-the-counter stock evaluation information, and an operating method thereof.

Description

{APPARATUS AND DEVICE FOR LOANS COLLATERALIZED WITH UNLISTED STOCKS}

Embodiments of the present disclosure relate to devices and methods for performing loans using over-the-counter stocks as collateral.

Today, stock-backed loans are mainly made with listed stocks, and loans using unlisted stocks as collateral are not active. This is because unlisted stocks have low liquidity and are difficult to value compared to listed stocks. Some unlisted stock-backed loans are being made, but there is a problem that loans using unlisted stocks as collateral are difficult to value compared to listed stocks, so loans are only available for certain designated stocks, or loans are made by evaluating the company itself, so the loanable amount is set low. In addition, there is a problem that interest rates for over-the-counter stock-backed loans are set high because liquidity is low compared to listed stocks, making it difficult to recover the principal and interest.

One embodiment of the present disclosure is to provide a device and method for supporting a loan service using over-the-counter stocks as collateral.

One embodiment of the present disclosure may provide a device and method for supporting a loan service using over-the-counter stocks as collateral.

As a technical means for achieving the above-described technical task, one embodiment of the present disclosure includes a memory, and at least one processor for executing one or more instructions stored in the memory, wherein the at least one processor obtains OTC stock collateral loan request information including a stock name of an OTC stock, transmits a balance confirmation request for an OTC stock corresponding to the stock name to a securities company server based on the OTC stock collateral loan request information, receives balance information corresponding to the stock name of a user account from the securities company server, determines quantity information for the OTC stock based on the balance information, generates transaction information for the OTC stock including price information for the OTC stock, transmits OTC stock evaluation information including quantity information for the OTC stock and transaction information for the OTC stock, receives OTC stock collateral loan approval information from a loan review server, and transmits a lock request for at least a part of the OTC stock existing in the user account to the securities company server based on the OTC stock collateral loan approval information, or transmits to a user terminal the An over-the-counter stock transaction support device may be provided, which transmits a transfer request for at least a portion of over-the-counter stocks existing in a user account, receives lock completion information or transfer completion information from at least one of the securities company server or the user terminal, and transmits a loan payment request to the loan review server based on the lock completion information or the transfer completion information.

In one embodiment, the transaction information for the over-the-counter stock may be provided by an over-the-counter stock transaction support device, which is generated based on transaction processing history for the over-the-counter stock performed by the over-the-counter stock transaction support device.

In one embodiment, the over-the-counter stock evaluation information may provide an over-the-counter stock trading support device that further includes information on a company corresponding to the over-the-counter stock.

In one embodiment, the at least one processor may provide an over-the-counter stock trading support device that receives the over-the-counter stock collateral loan request information from at least one of the user terminal or the loan screening server, wherein the over-the-counter stock collateral loan request information further includes at least one of a user identifier or a desired loan amount.

In one embodiment, the transaction information for the over-the-counter stock may provide an over-the-counter stock transaction support device, which includes at least one of transaction price information for the over-the-counter stock, price change information for the over-the-counter stock, transaction volume information for the over-the-counter stock, transaction count information for the over-the-counter stock, and transaction request information for the over-the-counter stock.

In one embodiment, the at least one processor may provide an OTC stock trading support device that determines price information for the OTC stock based on at least one of an average of the transaction prices of transactions concluded during a specific period with respect to the OTC stock, a median of the transaction prices of transactions concluded during the specific period, a weighted average considering the transaction quantity of transactions concluded during the specific period, a weighted median considering the transaction quantity of transactions concluded during the specific period, or a minimum of the transaction prices of transactions concluded during the specific period.

In one embodiment, the OTC stock collateral loan approval information includes information indicating a quantity of the OTC stock corresponding to the loan amount, and the at least one processor may transmit a lock request for the quantity of the OTC stock corresponding to the loan amount to the securities company server, or transmit a transfer request for the quantity of the OTC stock corresponding to the loan amount to the user terminal, thereby providing an OTC stock transaction support device.

In one embodiment, the at least one processor may provide an over-the-counter stock transaction support device that receives a request for an off-exchange stock transaction from the loan screening server, performs an off-exchange stock transaction based on the request for an off-exchange stock transaction, and transfers at least a portion of the off-exchange price to the loan screening device.

In one embodiment, the reverse transaction request includes information indicating an outstanding loan amount, and the at least one processor determines whether the reverse transaction amount exceeds the outstanding loan amount, and based on determining that the reverse transaction amount exceeds the outstanding loan amount, transfers the remaining amount after deducting the outstanding loan amount from the reverse transaction amount to the user account. The over-the-counter stock trading support device may be provided.

In one embodiment, the off-exchange stock trading support device may provide an off-exchange stock trading support device in which the off-exchange stock trading support device performs the off-exchange stock trading support device in a relative trading manner.

An embodiment of the present disclosure may provide a loan screening server, including a memory, and at least one processor that executes one or more instructions stored in the memory, wherein the at least one processor obtains OTC stock collateral loan request information including a name of an OTC stock, receives transaction information for the OTC stock including price information for the OTC stock from an OTC stock trading support device, and OTC stock evaluation information including quantity information for the OTC stock existing in a user account, determines a loanable amount based on the OTC stock collateral loan request information and the OTC stock evaluation information, determines a loan amount less than or equal to the loanable amount, transmits OTC stock collateral loan approval information to the OTC stock trading support device based on the loan amount, receives a loan payment request from the OTC stock trading support device, and performs loan payment processing based on the loan payment request.

In one embodiment, the transaction information for the over-the-counter stock may be provided by a loan screening server that is generated based on the transaction processing history for the over-the-counter stock performed by the over-the-counter stock transaction support device.

In one embodiment, the over-the-counter stock evaluation information may provide a loan screening server that further includes information on a company corresponding to the over-the-counter stock.

In one embodiment, the at least one processor may provide a loan screening server that determines a loan to value (LTV) ratio and an evaluation price of the OTC stock based on the OTC stock evaluation information, and determines the loanable amount as LTV × (the determined evaluation price of the OTC stock) × (the number of the OTC stock existing in the user account).

In one embodiment, the at least one processor may provide a loan screening server that determines a loanable amount through a neural network operation using the over-the-counter stock evaluation information as input.

In one embodiment, the at least one processor may provide a loan screening server that receives over-the-counter stock collateral loan request information from at least one of a user terminal or the over-the-counter stock trading support device, wherein the over-the-counter stock collateral loan request information further includes at least one of a user identifier or a desired loan amount.

In one embodiment, the information on the over-the-counter stock may be provided to a loan screening server including at least one of transaction price information of the over-the-counter stock, price change information of the over-the-counter stock, transaction volume information of the over-the-counter stock, transaction count information of the over-the-counter stock, and transaction request information of the over-the-counter stock.

In one embodiment, the price information of the over-the-counter stock may provide a loan screening server including a reference price determined based on at least one of an average of the transaction prices of transactions concluded during a specific period with respect to the over-the-counter stock, a median of the transaction prices of transactions concluded during the specific period, a weighted average considering the transaction quantity of transactions concluded during the specific period, a weighted median considering the transaction quantity of transactions concluded during the specific period, or a minimum of the transaction prices of transactions concluded during the specific period.

In one embodiment, the over-the-counter stock collateral loan approval information may be provided to a loan review server that includes information indicating the quantity of the over-the-counter stock corresponding to the loan amount.

In one embodiment, the at least one processor may provide a loan review server that identifies a loan non-recovery event, transmits a reverse transaction request for the OTC stock to the OTC stock trading support device based on the loan non-recovery event, and receives at least a portion of the reverse transaction amount.

In one embodiment, the reverse transaction price may be obtained by performing a reverse transaction in a relative transaction manner by the over-the-counter stock trading support device, and a loan review server may be provided.

One embodiment of the present disclosure provides a method for operating an over-the-counter stock trading support device, comprising: a step of obtaining over-the-counter stock collateral loan request information including a stock name of an over-the-counter stock; a step of transmitting a balance confirmation request for an over-the-counter stock corresponding to the stock name to a securities company server based on the over-the-counter stock collateral loan request information; a step of receiving balance information corresponding to the stock name of a user account from the securities company server; a step of determining quantity information for the over-the-counter stock based on the balance information; a step of generating transaction information for the over-the-counter stock including price information for the over-the-counter stock; a step of transmitting over-the-counter stock evaluation information including quantity information for the over-the-counter stock and transaction information for the over-the-counter stock; a step of receiving over-the-counter stock collateral loan approval information from a loan review server; a step of transmitting a locking request for at least a portion of the over-the-counter stock existing in the user account to the securities company server based on the over-the-counter stock collateral loan approval information, or a step of transmitting a transfer request for at least a portion of the over-the-counter stock existing in the user account to a user terminal; Or, a method may be provided, including a step of receiving lock completion information or transfer completion information from at least one of the user terminals, and a step of transmitting a loan payment request to the loan review server based on the lock completion information or the transfer completion information.

One embodiment of the present disclosure can provide a method for operating a loan screening server, the method including the steps of: obtaining OTC stock collateral loan request information including a name of an OTC stock; receiving OTC stock transaction information including price information on the OTC stock and OTC stock evaluation information including quantity information on the OTC stock existing in a user account from an OTC stock trading support device; determining a loanable amount based on the OTC stock collateral loan request information and the OTC stock evaluation information; determining a loan amount less than or equal to the loanable amount; transmitting OTC stock collateral loan approval information to the OTC stock trading support device based on the loan amount; receiving a loan payment request from the OTC stock trading support device; and performing a loan payment process based on the loan payment request.

One embodiment of the present disclosure includes a program stored on a recording medium to cause a computer to execute a method according to one embodiment of the present disclosure.

One embodiment of the present disclosure includes a computer-readable recording medium having recorded thereon a program for executing a method according to one embodiment of the present disclosure on a computer.

One embodiment of the present disclosure includes a computer-readable recording medium having recorded thereon a database used in one embodiment of the present disclosure.

One embodiment of the present disclosure provides a device and method for supporting a loan service using over-the-counter stocks as collateral, thereby enabling an efficient loan process using over-the-counter stocks as collateral.

*In addition, one embodiment of the present disclosure provides a device and method for supporting a loan service using over-the-counter stocks as collateral, thereby enabling efficient recovery of principal and interest.

FIG. 1 is a flowchart illustrating a method for a user terminal to receive an over-the-counter stock collateral loan according to one embodiment of the present disclosure.
FIG. 2 is a flowchart illustrating a method by which a loan review server receives an uncollected loan amount according to one embodiment of the present disclosure.
FIG. 3 is a diagram illustrating a method by which a loan screening server determines a loanable amount according to one embodiment of the present disclosure.
FIG. 4 is a diagram illustrating a method by which a loan screening server according to one embodiment of the present disclosure determines a loanable amount using artificial intelligence.
FIG. 5 is a diagram illustrating a method by which an over-the-counter stock trading support device according to one embodiment of the present disclosure performs counterparty trading to recover uncollected loan amounts.
FIG. 6 is a diagram illustrating a method by which an over-the-counter stock trading support device according to one embodiment of the present disclosure determines a reference price based on transaction data.
FIG. 7 is a block diagram of an over-the-counter stock trading support device according to one embodiment of the present disclosure.
FIG. 8 is a block diagram of a loan screening server according to one embodiment of the present disclosure.

In order to clarify the technical idea of the present disclosure, embodiments of the present disclosure will be described in detail with reference to the attached drawings. In describing the present disclosure, if it is determined that a specific description of a related known function or component may unnecessarily obscure the gist of the present disclosure, the detailed description will be omitted. Components having substantially the same functional configuration among the drawings are given the same reference numbers and symbols as much as possible even if they are shown in different drawings. For convenience of explanation, devices and methods are described together when necessary. Each operation of the present disclosure does not necessarily have to be performed in the order described, and may be performed in parallel, selectively, or individually.

The terms used in the embodiments of the present disclosure are selected from commonly used terms that are as much as possible while considering the functions of the present disclosure, but they may vary depending on the intention of engineers working in the field, precedents, the emergence of new technologies, etc. In addition, in certain cases, there are terms arbitrarily selected by the applicant, and in such cases, the meanings thereof will be described in detail in the description of the relevant embodiments. Therefore, the terms used in this specification should be defined based on the meanings of the terms and the overall contents of the present disclosure, rather than simply the names of the terms.

Throughout this disclosure, singular expressions may include plural expressions unless the context clearly dictates otherwise. It should be understood that terms such as "comprise" or "have" are intended to specify the presence of a feature, number, step, operation, component, part, or combination thereof, but do not exclude in advance the possibility of the presence or addition of one or more other features, numbers, steps, operations, components, parts, or combinations thereof. In other words, when it is said throughout this disclosure that a part "comprises" a certain component, unless specifically stated otherwise, this does not mean that other components are excluded, but rather that other components can be further included.

Expressions such as "at least one" modify the list of elements as a whole, and do not modify individual elements of the list. For example, "at least one of A, B, and C" and "at least one of A, B, or C" refer to only A, only B, only C, both A and B, both B and C, both A and C, all of A, B, and C, or any combination thereof.

In addition, terms such as “... section,” “... module,” etc., described in the present disclosure mean a unit that processes at least one function or operation, which may be implemented by hardware or software, or by a combination of hardware and software.

Throughout this disclosure, when a part is said to be "connected" to another part, this includes not only the case where it is "directly connected" but also the case where it is "electrically connected" with another element in between. Also, when a part is said to "include" a certain component, this does not mean that the other component is excluded, but that the other component can be included, unless specifically stated otherwise.

The expression "configured to" as used throughout this disclosure can be used interchangeably with, for example, "suitable for," "having the capacity to," "designed to," "adapted to," "made to," or "capable of." The term "configured to" does not necessarily mean something is "specifically designed to" in terms of hardware. Instead, in some contexts, the expression "a system configured to" can mean that the system is "capable of" in conjunction with other devices or components. For example, the phrase "a processor configured to perform A, B, and C" can mean a dedicated processor (e.g., an embedded processor) for performing the operations, or a generic-purpose processor (e.g., a CPU or application processor) that can perform the operations by executing one or more software programs stored in memory.

Throughout the present disclosure, a terminal or terminal may include a UE (User Equipment), an MS (Mobile Station), a cellular phone, a smart phone, a computer, or a multimedia system capable of performing a communication function. Of course, it is not limited to the above examples.

One embodiment of the present disclosure is to provide a user terminal, an over-the-counter stock trading support device, a securities company server, a loan screening server, and an operating method thereof. Throughout the present disclosure, a device may include a server, and the server may be referred to as a device, or the device may be referred to as a server. Throughout the present disclosure, the over-the-counter stock trading support device, the securities company server, and the loan screening server may be different devices, or may be devices operated by different processors within a single device, or a single device or server may include other devices or servers.

Throughout this disclosure, a user account may mean an account held by a user. Throughout this disclosure, an over-the-counter stock may include unlisted stocks that are traded over the counter.

Throughout this disclosure, transfer processing means an act of moving cash, stocks, etc. in one account to another account, and may include not only an act of a device directly moving cash, stocks, etc. in an account to another account, but also a case where a device requests a third party, such as a securities company server, to transfer money between accounts.

FIG. 1 is a flowchart illustrating a method for a user terminal to receive an over-the-counter stock collateral loan according to one embodiment of the present disclosure.

Referring to Figure 1, it illustrates a case where a user wants to receive a loan using over-the-counter stocks as collateral. In the case of unlisted stocks, since there is no market price, it is difficult to evaluate the stock collateral, so only stocks designated by the loan review server can be used as collateral, or methods such as evaluating the company itself have been used. Therefore, in most cases, over-the-counter stock collateral loans using unlisted stocks as collateral have been used by major shareholders or special associates of corporate managers to receive loans using stocks as collateral for management purposes. However, since access to unlisted stocks has become easy even for small investors today, there is a need for a method to provide a loan service using over-the-counter stocks as collateral to various over-the-counter stock owners including small investors. One embodiment of the present disclosure is to provide a loan service with a high collateral recognition rate by having an over-the-counter stock transaction support device provide over-the-counter stock evaluation information to a loan review server, thereby facilitating the evaluation of collateralized items.

In operation 110, the user terminal (101) may transmit OTC stock collateral loan request information to the OTC stock trading support device (103). In one embodiment, the user terminal (101) may transmit OTC stock collateral loan request information including the name of the OTC stock to the OTC stock trading support device (103). In addition, the OTC stock trading support device (103) may transmit the OTC stock collateral loan request information received from the user terminal (101) to the loan review server (107), or may transmit loan request information corresponding to the received OTC stock collateral loan request information.

Alternatively, in another embodiment, the user terminal (101) may transmit to the loan review server (107) the OTC stock collateral loan request information including the name of the OTC stock. In one embodiment, the loan review server (107) may transmit to the OTC stock transaction support device (103) the OTC stock collateral loan request information received from the user terminal (101), or may transmit the loan request information corresponding to the received OTC stock collateral loan request information.

That is, when obtaining the OTC stock collateral loan request information, the OTC stock transaction support device (103) may receive the OTC stock collateral loan request information from at least one of the user terminal (101) or the loan screening server (107), or may obtain the OTC stock collateral loan request information by another method. In addition, when obtaining the OTC stock collateral loan request information, the loan screening server (107) may receive the OTC stock collateral loan request information from at least one of the user terminal (101) or the OTC stock transaction support device (103), or may obtain the OTC stock collateral loan request information by another method.

In one embodiment, the OTC stock collateral loan request information may include the OTC stock name, a user identifier, a desired loan amount corresponding to the amount the user wishes to borrow, a desired number of OTC stocks that the user wishes to use as collateral for the loan, etc. In this case, the OTC stock name may indicate one stock or may include multiple stock names.

In operation 120, the over-the-counter stock trading support device (103) may transmit a balance confirmation request to the securities company server (105). In one embodiment, the over-the-counter stock trading support device (103) may transmit a balance confirmation request for an over-the-counter stock corresponding to the stock name to the securities company server (105) based on the over-the-counter stock collateral loan request information. For example, if the over-the-counter stock collateral loan request information includes a first stock name, the over-the-counter stock trading support device (103) may transmit a balance confirmation request for the number of unlisted stocks held corresponding to the first stock name to the securities company server (105). For another example, if the over-the-counter stock collateral loan request information includes the first stock name and the second stock name, the over-the-counter stock transaction support device (103) may transmit a balance confirmation request for the number of unlisted stocks corresponding to the first stock name and the number of unlisted stocks corresponding to the second stock name to the securities company server (105). However, these are only examples, and the method by which the over-the-counter stock transaction support device (103) transmits the balance confirmation request to the securities company server (105) is not limited thereto.

Alternatively, in one embodiment, if the OTC stock collateral loan request information includes the desired collateral quantity of OTC stocks, the OTC stock transaction support device (103) may transmit a balance confirmation request for OTC stocks corresponding to the stock name to the securities company server (105). In this case, the balance confirmation request may include information requesting information on the total quantity of OTC stocks existing in the user account, or may include information requesting information on whether there are OTC stocks in the user account that exceed the desired collateral quantity.

In operation 125, the securities company server (105) may transmit balance information to the over-the-counter stock trading support device (103). In one embodiment, the over-the-counter stock trading support device (103) may receive balance information corresponding to the stock name of the user account based on the balance confirmation request transmitted in operation 120. For example, if the balance confirmation request includes a request for the number of unlisted stocks held corresponding to the first stock name, the securities company server (105) may transmit balance information including information on the number of unlisted stocks held corresponding to the first stock name to the over-the-counter stock trading support device (103). For another example, if a balance confirmation request includes a request for the number of unlisted stocks corresponding to the first stock name and the number of unlisted stocks corresponding to the second stock name, the securities company server (105) may transmit balance information including information on the number of unlisted stocks corresponding to the first stock name and information on the number of unlisted stocks corresponding to the second stock name to the over-the-counter stock trading support device (103).

Alternatively, in one embodiment, if the over-the-counter stock collateral loan request information includes the desired collateral quantity of over-the-counter stocks, the securities company server (105) may transmit balance information including information on the number of over-the-counter stocks corresponding to the stock name to the over-the-counter stock transaction support device (103). In this case, the information on the number of unlisted stocks may include information indicating the total number of over-the-counter stocks existing in the user account, information indicating that over-the-counter stocks exceeding the desired collateral quantity are held, etc.

In actions 120 and 125, the over-the-counter stock trading support device (103) can use an API (Application Programming Interface) on the securities company server side when communicating with the securities company server (105).

In operation 130, the over-the-counter stock trading support device (103) may generate over-the-counter stock evaluation information. In one embodiment, the over-the-counter stock evaluation information may include quantity information on the over-the-counter stock, transaction information on the over-the-counter stock, information on a company corresponding to the over-the-counter stock, etc. Alternatively, the over-the-counter stock evaluation information may include only some of the listed information.

In one embodiment, the OTC stock trading support device (103) may determine quantity information for OTC stocks based on the balance information received in operation 125. For example, if a borrower wishes to borrow money using the first stock as collateral, the OTC stock trading support device (103) may receive the quantity of the first stock held by the borrower from the securities company server (105) and determine quantity information for OTC stocks indicating the quantity of the first stock held. Alternatively, the OTC stock trading support device (103) may determine quantity information for OTC stocks including an indicator indicating that the user's account holds a specific quantity or more of the first stock.

In one embodiment, the OTC stock trading support device (103) can generate trading information for OTC stocks including price information for the OTC stocks. The trading information for the OTC stocks can be generated based on the trading processing history for the OTC stocks performed by the OTC stock trading support device (103). Alternatively, the trading information for the OTC stocks can be generated based on the trading processing history for the OTC stocks performed by a device other than the OTC stock trading support device (103), or can be generated based on both the trading processing history performed by the OTC stock trading support device (103) and the trading execution history performed by the other device. In one embodiment, the trading information for the OTC stocks can include trading request information for the OTC stocks, trading execution information for the OTC stocks, etc.

In one embodiment, the transaction information for over-the-counter stocks may include information collected by the over-the-counter stock transaction support device (103) itself, or may include information collected and processed by the over-the-counter stock transaction support device (103). For example, the over-the-counter stock transaction support device (103) may generate transaction information for over-the-counter stocks that includes transaction details themselves and transaction volume, price information, and price change summary information processed by the over-the-counter stock transaction support device (103).

In one embodiment, transaction information for OTC stocks may include transaction request information for OTC stocks, transaction execution information for OTC stocks, and the like.

* In one embodiment, the transaction request information for the OTC stock may include the sell request information of the OTC stock and the buy request information of the OTC stock. The sell request information and the buy request information may include not only the current sell request information and the current buy request information, but also the past sell request information and the past buy request information, and may also include the sell request information that was posted and then deleted, and the buy request information that was posted and then deleted. In other words, the sell request information and the buy request information may include not only the executed information but also the non-executed information. According to one embodiment, the OTC stock transaction support device (103) scrapes information that only the exchange has, such as deleted information, from the log and provides it to the loan screening server (107), thereby contributing to the loan screening server (107) easily evaluating the value of the OTC stock.

In one embodiment, the transaction conclusion information for OTC stocks may include transaction conclusion price information for OTC stocks, transaction volume information for OTC stocks, price information for OTC stocks, price change information for OTC stocks, transaction count information for OTC stocks, etc. Here, the transaction conclusion price information for OTC stocks may include, but is not limited to, one transaction conclusion price for recently concluded OTC stocks, multiple transaction conclusion prices for recently concluded OTC stocks, transaction conclusion prices for OTC stocks concluded during a specific period, etc. In addition, the transaction count information for OTC stocks may include, but is not limited to, the number of sellers and buyers participating in the OTC stock transaction, the number of transactions made for the stock during a specific period, the number of sell postings posted for the stock during a specific period, the number of buy postings posted for the stock during a specific period, etc. According to one embodiment, due to the nature of relative trading of over-the-counter stocks where stock price manipulation is possible, by transmitting transaction count information, the over-the-counter stock trading support device can contribute to the loan review server more accurately assessing the collateral value.

In one embodiment, since the OTC stock does not have a set market price, the OTC stock transaction support device (103) can determine the reference price of the OTC stock. In addition, the OTC stock transaction support device (103) can determine price information for the OTC stock based on the reference price of the OTC stock. For example, the OTC stock transaction support device (103) can determine price information for the OTC stock based on at least one of the most recent transaction price of the OTC stock, the closing price of the day, the closing price of the previous day, the mode of the transaction price of transactions concluded with respect to the OTC stock during a specific period, the average of the transaction prices of transactions concluded with respect to the OTC stock during a specific period, the median of the transaction prices of OTC stock transactions concluded with respect to the OTC stock during a specific period, the weighted average considering the transaction quantity of OTC stock transactions concluded with respect to the specific period, or the weighted median considering the transaction quantity of OTC stock transactions concluded with respect to the specific period, or the minimum of the transaction price of transactions concluded with respect to the specific period. However, this is only an example, and the method of determining price information for over-the-counter stocks is not limited to this.

In one embodiment, the OTC stock trading support device (103) may determine the reference price of OTC stocks for a specific date. For example, the OTC stock trading support device (103) may determine the transaction price of the last transaction concluded among the transactions traded on a specific date as the reference price of OTC stocks for a specific date. Or, for example, the OTC stock trading support device (103) may determine the reference price of OTC stocks for a specific date based on the mode of the transaction prices of the transactions traded on a specific date, the average of the transaction prices of the transactions traded on a specific date, the median of the transaction prices of the transactions traded on a specific date, the weighted average of the transaction prices considering the transaction quantity of the transactions traded on a specific date, or the weighted median of the transaction prices considering the transaction quantity of the OTC stock transactions concluded during a specific period. However, this is only an example, and the method of determining the reference price of OTC stocks for a specific date is not limited thereto.

Examples of determining price information for over-the-counter stocks are described below with reference to Figure 6.

In one embodiment, the information of a company corresponding to an over-the-counter stock may include information of a company corresponding to an over-the-counter stock collected by an over-the-counter stock trading support device, investment information on a company corresponding to an over-the-counter stock collected by an over-the-counter stock trading support device, an expected market capitalization of the company calculated by the over-the-counter stock trading support device, information of the company received from a securities company, etc.

In operation 140, the over-the-counter stock trading support device (103) may transmit the over-the-counter stock evaluation information generated in operation 130 to the loan review server (107). In one embodiment, the over-the-counter stock trading support device (103) may transmit the over-the-counter stock evaluation information including quantity information on the over-the-counter stock and transaction information on the over-the-counter stock.

According to one embodiment, the over-the-counter stock trading support device (103) transmits over-the-counter stock evaluation information to the loan review server (107), so that the value of the over-the-counter stock can be evaluated electronically.

In operation 150, the loan review server (107) may determine the loanable amount. In one embodiment, the loan review server (107) may determine the loanable amount based on the over-the-counter stock collateral loan request information and the over-the-counter stock evaluation information.

In one embodiment, the loan screening server (107) may perform a loan screening process based on over-the-counter stock valuation information to determine the loanable amount.

In another embodiment, the loan review server (107) may determine a loan-to-value (LTV) ratio and an appraisal price of the OTC stock based on the OTC stock appraisal information, and may determine a loanable amount based on the determined loan-to-value ratio and the appraisal price of the OTC stock. For example, the loan review server (107) may determine a loanable amount as LTV × (appraisal price of the OTC stock) × (quantity of the OTC stock existing in the user account).

In another embodiment, the loan review server (107) may determine the loanable amount based on an artificial intelligence model by inputting over-the-counter stock valuation information. According to one embodiment, the loan review server (107) may determine the valuation price of over-the-counter stocks using artificial intelligence, and may determine an amount for a certain percentage of the valuation price of the over-the-counter stocks as the loanable amount.

In another embodiment, the loan review server (107) may also determine the loanable amount by referring to user input information.

According to one embodiment, the loan review server (107) can perform an evaluation of the value of over-the-counter stocks more quickly than before by determining the loanable amount using over-the-counter stock evaluation information.

In operation 155, the loan review server (107) may determine a loan amount. In one embodiment, the loan review server (107) may determine a loan amount that is less than or equal to the loanable amount.

In one embodiment, if the over-the-counter stock collateral loan request information includes a desired loan amount, the loan review server (107) may determine the lower amount between the loanable amount determined in operation 150 and the desired loan amount as the loan amount.

In another embodiment, even if the over-the-counter stock collateral loan request information includes a desired loan amount, the loan review server (107) may inform the user terminal (101) of the loanable amount determined in operation 150, and may determine the loan amount through a consultation process with the user terminal (101). The consultation process with the user terminal (101) may be performed through the over-the-counter stock trading support device (103), or may be performed by the loan review server (107) directly communicating with the user terminal (101), but is not limited thereto, and the loan review server (107) may perform the consultation process through various methods.

In another embodiment, if the over-the-counter stock collateral loan request information does not include a desired loan amount, the loan review server (107) may determine the loanable amount as the loan amount.

In another embodiment, if the over-the-counter stock collateral loan request information does not include a desired loan amount, the loan screening server (107) may inform the user terminal (101) of the loanable amount determined in operation 150, and may determine the loan amount through a consultation process with the user terminal (101). The consultation process with the user terminal (101) may be performed through the over-the-counter stock trading support device (103), or may be performed by the loan screening server (107) directly communicating with the user terminal (101), but is not limited thereto, and the loan screening server (107) may perform the consultation process through various methods.

In operation 160, the loan screening server (107) may transmit OTC stock collateral loan approval information to the OTC stock trading support device (103). In one embodiment, the loan screening server (107) may transmit OTC stock collateral loan approval information to the OTC stock trading support device based on the loan amount determined in operation 155. The OTC stock collateral loan approval information may include information indicating the quantity of OTC stocks corresponding to the loan amount. That is, the loan screening server (107) may notify the OTC stock trading support device (103) of the quantity of OTC stocks for which account locking or transfer processing is to be performed based on the loan amount. In the entire disclosure, locking of stocks may include a case where the account owner is prevented from arbitrarily withdrawing, trading, transferring, or otherwise transferring the stocks held. For example, a lock request may include a withdrawal prohibition request, a transfer prohibition request, a transfer prohibition request, or a request to force a transfer of shares from a user account to an account on a loan review server.

For example, if the loan review server (107) determines the loanable amount as LTV × (evaluation price of over-the-counter stock) × (quantity of over-the-counter stocks existing in the user account), (loan amount) / {LTV × evaluation price of over-the-counter stocks} may be calculated as the quantity of over-the-counter stocks corresponding to the loan amount, and over-the-counter stock collateral loan approval information including information indicating the quantity of over-the-counter stocks corresponding to the loan amount may be transmitted. Here, the LTV value may be less than 1.

In operation 170, the over-the-counter stock trading support device (103) may transmit a locking request to the securities company server (105). In one embodiment, the over-the-counter stock trading support device (103) may transmit a locking request for at least a portion of the over-the-counter stocks existing in the user account to the securities company server (105) based on the over-the-counter stock collateral loan approval information. That is, the over-the-counter stock trading support device (103) may transmit a locking request for the quantity of over-the-counter stocks corresponding to the loan amount to the securities company server. For example, the over-the-counter stock trading support device (103) may transmit a request to prohibit the withdrawal of at least a portion of the over-the-counter stocks to the securities company server (105). For another example, the over-the-counter stock trading support device (103) may transmit a request to prohibit the trading of at least a portion of the over-the-counter stocks to the securities company server (105).

In one embodiment, the over-the-counter stock trading support device (103) may use the API (Application Programming Interface) of the securities company server (105) to communicate with the securities company server.

However, what is shown in FIG. 1 is only an example, and the over-the-counter stock trading support device (103) may transmit a transfer request for at least a portion of the over-the-counter stocks existing in the user account to the user terminal. That is, the over-the-counter stock trading support device (103) may transmit a transfer request for the quantity of over-the-counter stocks corresponding to the loan amount to the user terminal (101). For example, the over-the-counter stock trading support device (103) may request the user terminal (101) to transfer at least a portion of the over-the-counter stocks to the account of the over-the-counter stock trading support device (103), the account of the securities company server (105), or the account of the loan screening server (107). That is, since the loan contract has not yet been concluded, the user terminal (101) may directly request the transfer of the over-the-counter stocks. In this case, the over-the-counter stock trading support device (103) can send a request to the securities company server (105) to confirm whether a transfer has been made.

In one embodiment, at least a portion of the OTC shares may represent a quantity of OTC shares corresponding to the loan amount. For example, if the loan amount is less than the collateral value, a transfer request for at least a portion of the OTC shares may be a transfer request for unlisted shares corresponding to a quantity greater than the loan amount.

For example, if the loan review server (107) determines the loanable amount as LTV × (evaluation price of over-the-counter stock) × (quantity of over-the-counter stocks existing in the user account), then since (loan amount) / {LTV × evaluation price of over-the-counter stocks} is the quantity of over-the-counter stocks corresponding to the loan amount, a locking request or transfer request for the corresponding quantity can be transmitted.

In operation 175, the securities company server (105) may transmit lock completion information to the over-the-counter stock trading support device (103). For example, the lock completion information may include delivery prohibition completion information, transaction prohibition completion information, transfer prohibition completion information, transfer prohibition completion information, etc. In operation 170, if the over-the-counter stock trading support device (103) transmits a transfer request for at least a portion of the over-the-counter stocks existing in the user account to the user terminal, the over-the-counter stock trading support device (103) may transmit a transfer confirmation request to the securities company server (105) and then receive transfer completion information from the securities company server (105). Alternatively, the over-the-counter stock trading support device (103) may also receive transfer completion information from the user terminal (101).

In operation 180, the over-the-counter stock trading support device (103) may transmit a loan payment request to the loan review server (107). In one embodiment, the over-the-counter stock trading support device (103) may transmit a loan payment request to the loan review server (107) based on lock completion information or transfer completion information.

In operation 190, the loan review server (107) may perform loan payment processing. In one embodiment, the loan review server (107) may perform loan payment processing based on a loan payment request. For example, the loan review server (107) may pay a loan to a user through communication with a user terminal (101), may pay a loan to a user account through a securities company server (105), or may request an over-the-counter stock trading support device (103) to transfer a loan to a user account. However, the loan payment processing method is not limited thereto, and the loan review server (107) may pay a loan to a user in various ways.

FIG. 2 is a flowchart illustrating a method by which a loan review server receives an uncollected loan amount according to one embodiment of the present disclosure.

Referring to FIG. 2, it illustrates a case where a user fails to repay at least a portion of the loan by the due date after receiving a loan using OTC stocks held as collateral, or the collateral value of the OTC stocks decreases so that the collateral value of the OTC stocks becomes lower than the loan amount. In the past, in order to dispose of OTC stocks, there was no choice but to hold an auction for the OTC stocks, sell them one by one to an asset management company, or hold a lien and wait for the lender to repay. Accordingly, when OTC stocks with low liquidity and thus difficult to dispose of were used as collateral, the loan interest rate had to be high. One embodiment of the present disclosure provides a method in which an OTC stock trading support device performs a reverse transaction to facilitate the disposal of OTC stocks.

In operation 210, the loan review server (107) can identify a loan non-recovery event. For example, a loan non-recovery event may include a case where a user fails to repay at least a portion of a loan by the loan maturity date after receiving a loan using over-the-counter stocks held as collateral, or the collateral value of the over-the-counter stocks decreases so that the collateral value of the over-the-counter stocks becomes lower than the loan amount.

In operation 220, the loan review server (107) may request a reverse sale. In the entire disclosure, reverse sale may refer to the arbitrary disposal of stocks, futures, options, etc. without the customer's consent when an excessive decline occurs after purchasing them through a receivable or credit transaction.

In one embodiment, the short sale request may include information indicating an outstanding loan amount. The information indicating an outstanding loan amount may include information indicating the outstanding loan amount itself, or information indicating the quantity of over-the-counter stocks corresponding to the outstanding loan amount. For example, if a user receives a loan using over-the-counter stocks held as collateral and fails to repay at least a portion of the loan amount by the loan maturity date, the outstanding loan amount may represent a loan amount corresponding to the amount of the loan that the user failed to repay. In another example, if the collateral value of the over-the-counter stocks falls excessively and the collateral value falls below the loan amount, the outstanding loan amount may represent a loan amount corresponding to the entire loan amount.

In one embodiment, the loan review server (107) may transmit a request for a reverse sale of an over-the-counter stock to the over-the-counter stock trading support device (103) based on a loan non-recovery event. For example, in cases where at least a portion of the loan is not repaid by the loan maturity date or the value of the over-the-counter stock falls below the loan amount before the loan maturity date has passed, the loan review server (107) may transmit a request for a reverse sale of an over-the-counter stock to the over-the-counter stock trading support device (103).

In operation 230, the over-the-counter stock trading support device (103) may perform a reverse transaction. In one embodiment, the over-the-counter stock trading support device (103) may perform a reverse transaction for an over-the-counter stock based on the reverse transaction request received in operation 220. For example, in operations 170 to 175 described above with reference to FIG. 1, if the over-the-counter stock trading support device (103) requests to lock an over-the-counter stock existing in a user account, the over-the-counter stock trading support device (103) may perform a reverse transaction for the over-the-counter stock existing in the user account. In another example, if the over-the-counter stock trading support device (103) transmits an over-the-counter stock transfer request to the user terminal (101) and the over-the-counter stock is transferred to the account of the loan screening server (107) or to another account, the over-the-counter stock existing in the transferred account may be performed a reverse transaction. As another example, if an over-the-counter stock transaction support device (103) transmits an over-the-counter stock transfer request to a user terminal (101), and the over-the-counter stock is transferred to an account of a loan screening server (107), a sale request for the over-the-counter stock existing in the user's account can be received from the loan screening server (107), and stock sale can be performed based on the received sale request.

In one embodiment, the short selling may be performed in a relative trading manner by an over-the-counter stock trading support device (103). The short selling performed in a relative trading manner will be described in detail later with reference to FIG. 5.

In one embodiment, the over-the-counter stock trading support device (103) may perform multiple transactions when performing a reverse transaction for the quantity of over-the-counter stocks set as collateral, if the entire quantity cannot be sold in a single transaction. In this case, after selling all the quantities, the over-the-counter stock trading support device (103) may request the securities company server to transfer the allocated quantity of stocks to multiple buyers based on the sale information for all the quantities, and may request the loan screening server (107) to transfer at least a portion of the reverse transaction proceeds. Alternatively, the over-the-counter stock trading support device (103) may request the securities company server to transfer the allocated quantity of stocks to buyers for each transaction, and may request the loan screening server (107) to transfer at least a portion of the reverse transaction proceeds after selling all the quantities. Alternatively, the over-the-counter stock trading support device (103) may request the securities company server to transfer the allocated amount of stock to the buyer for each transaction, and may also request the loan review server (107) to transfer at least a portion of the corresponding reverse transaction amount for each transaction.

In one embodiment, the over-the-counter stock trading support device (103) may use the API (Application Programming Interface) of the securities company server (105) to communicate with the securities company server.

In operation 240, the securities company server (105) may transfer the outstanding loan amount to the account of the loan review server (107). In one embodiment, the over-the-counter stock trading support device (103) may transfer at least a portion of the amount of the over-the-counter sale to the loan review server (107) based on the result of performing the short sale in operation 230. For example, if the amount of the short sale exceeds the outstanding loan amount, the over-the-counter stock trading support device (103) may transfer the outstanding loan amount to the account of the loan review server (107) or request the securities company server (105) to transfer the outstanding loan amount to the account of the loan review server (107). For another example, if the amount of the reverse transaction is less than the outstanding loan amount, the over-the-counter stock trading support device (103) may transfer the entire amount of the reverse transaction amount to the account of the loan screening server (107) or request the securities company server (105) to transfer the outstanding loan amount to the account of the loan screening server (107).

In operation 250, the securities company server (105) can transfer the remaining cash to the user account if there is any remaining cash. In one embodiment, the over-the-counter stock trading support device (103) or the securities company server (105) can determine whether the reverse transaction amount exceeds the outstanding loan amount. If the reverse transaction amount exceeds the outstanding loan amount, the over-the-counter stock trading support device (103) can transfer the remaining amount after deducting the outstanding loan amount from the reverse transaction amount to the user account.

FIG. 3 is a diagram illustrating a method by which a loan screening server determines a loanable amount according to one embodiment of the present disclosure.

Referring to FIG. 3, the loan review server may determine the loanable amount (330) by conducting a loan review process based on over-the-counter stock evaluation information (320). Alternatively, the loan review server may also consider collateral loan request information (310) when determining the loanable amount (330).

In one embodiment, the OTC stock collateral loan request information (310) may include a user identifier, a desired loan amount, etc. In addition, the OTC stock evaluation information (320) may include the quantity of OTC stocks held by the user, OTC stock transaction information, corporate information, etc. Here, the OTC stock transaction information may include price information for OTC stocks, transaction conclusion information, and transaction request information. The price information for OTC stocks may include a reference price for OTC stocks determined by an OTC stock transaction support device. In addition, the transaction conclusion information may include price changes of OTC stocks, transaction volume, transaction conclusion price information, transaction count information, etc. In addition, the corporate information may include corporate information received from a securities company, corporate information collected by an OTC stock transaction support device, and the expected market capitalization of the company calculated by the OTC stock transaction support device. According to one embodiment, by providing information held by the over-the-counter stock trading support device to the loan screening server, the loan screening server can quickly and easily determine the loanable amount (330).

In one embodiment, the loan screening server may perform a loan screening process based on the over-the-counter stock collateral loan request information (310). The loan screening server may also determine the loanable amount by referring to the over-the-counter stock collateral loan request information (310) and user input information.

In one embodiment, the loan screening server may determine a collateral recognition ratio (LTV) value based on the OTC stock collateral loan request information (310). For example, if the transaction volume is high, the corporate value is high, and the price change is in an upward curve, the loan screening server may determine the collateral recognition ratio to a relatively high value (e.g., 0.8), and conversely, if the volatility of the price change is high, the loan screening server may determine the collateral recognition ratio to a relatively low value (e.g., 0.5). For another example, if the OTC stock transaction is made by a small number of sellers or buyers based on the transaction count information, the loan screening server may determine the collateral recognition ratio to a relatively low value. For another example, if there is a lot of current sell request information or buy request information, the collateral recognition ratio may be determined to a relatively high value because the transaction volume is expected to be high. However, these are only examples, and the method of determining the collateral recognition ratio is not limited thereto.

In one embodiment, the loan review server may determine the valuation price of the OTC stock based on the OTC stock collateral loan request information (310). The loan review server may determine the valuation price of the OTC stock by considering the reference price of the OTC stock, as well as price changes, trading volume, trading frequency information, transaction price information, transaction request information, and corporate information.

In one embodiment, the loan review server can determine the loanable amount as LTV × (evaluation price of OTC stock) × (the number of OTC stocks existing in the user account). According to one embodiment, by determining the LTV value and the evaluation price of the OTC stock based on the OTC stock evaluation information, the loanable amount can be simply determined, so the time required for the loan process can be reduced.

FIG. 4 is a diagram illustrating a method by which a loan screening server according to one embodiment of the present disclosure determines a loanable amount using artificial intelligence.

Referring to FIG. 4, the loan review server may determine the loanable amount (440) by inputting over-the-counter stock valuation information (420) and calculating it through an artificial intelligence model (430). Alternatively, the loan review server may also input collateral loan request information (410) and determine the loanable amount (440) by calculating it through an artificial intelligence model. In one embodiment, the artificial intelligence model may include a machine learning model.

In one embodiment, the artificial intelligence model may include a plurality of neural network layers. Each of the plurality of neural network layers has a plurality of weight values, and can perform a neural network operation through an operation between the operation result of the previous layer and the plurality of weights. The plurality of weights of the plurality of neural network layers may be optimized by the learning result of the artificial intelligence model. For example, the plurality of weights may be updated so that a loss value or a cost value obtained from the artificial intelligence model is reduced or minimized during the learning process. The artificial neural network may include a deep neural network (DNN), and examples thereof include, but are not limited to, a convolutional neural network (CNN), a deep neural network (DNN), a recurrent neural network (RNN), a restricted boltzmann machine (RBM), a deep belief network (DBN), a bidirectional recurrent deep neural network (BRDNN), or a deep Q-network.

According to one embodiment of the present disclosure, a quick loan process is enabled by determining the loanable amount through artificial intelligence.

FIG. 5 is a diagram illustrating a method by which an over-the-counter stock trading support device according to one embodiment of the present disclosure performs counterparty trading to recover uncollected loan amounts.

In one embodiment, the over-the-counter stock trading support device may utilize the relative trading method when performing a short sale. Unlike competitive trading, relative trading is a method in which a buyer and a seller negotiate to buy and sell securities. In other words, under the relative trading method, a transaction can be concluded when the intentions of the transaction parties are in agreement through individual negotiations between the transaction parties, such as the purchase price, purchase quantity, purchase method, and settlement conditions.

Referring to FIG. 5, the over-the-counter stock trading support device can perform a reverse transaction by using the buy order bulletin board, sell order bulletin board, etc. provided by the over-the-counter stock trading support device. In the description below with reference to FIG. 5, an example will be described where over-the-counter stock collateral loan request information including a stock name corresponding to 'Viva Republica' is obtained from a user terminal, and the over-the-counter stock trading support device receives a reverse transaction request for 120 shares, which is a quantity corresponding to an uncollected loan amount, from a loan review server. However, this is only an example, and it should be noted that stocks and quantities corresponding to other stock names may be applied to the present disclosure.

In one embodiment, the over-the-counter stock trading support device may utilize stock purchase information posted on the bid quotation bulletin board to perform a short sale. For example, the over-the-counter stock trading support device may execute a short sale in the order of high purchase prices in order to secure the maximum amount of uncollected loan. That is, referring to FIG. 8, in order to sell 120 shares, a total of four transactions may be performed: [Transaction 1: 81,000 won, 100 shares], [Transaction 2: 80,800 won, 10 shares], [Transaction 3: 80,500, 2 shares, immediate conclusion], [Transaction 4: 80,500, 8 shares].

For another example, the over-the-counter stock trading support device may execute a short sale with priority given to 'immediate execution' in order to secure the outstanding loan as quickly as possible. That is, referring to FIG. 8, [Transaction 1: 80,500, 2 weeks, immediate execution], [Transaction 2: 80,000 won, 10 weeks, immediate execution] may be executed, and short sales may be executed for the remaining 108 weeks in the order of high purchase prices. Here, 'immediate execution' may mean a process of executing a sales contract without a separate confirmation process of the buyer when information on the buyer's intent that a sales contract can be executed without a separate confirmation process of the buyer is received from the buyer terminal when certain requirements are met.

As another example, an over-the-counter stock trading support device may execute a transaction using purchase information posted on a randomly selected purchase order bulletin board.

As another example, an over-the-counter stock trading support device may perform an offsetting transaction by posting stock sell information on a sell order bulletin board.

As another example, an over-the-counter stock trading support device may perform a reverse transaction for some quantity by using stock purchase information posted on a buy order bulletin board, and may perform a reverse transaction for the remainder by posting stock sale information on a sell order bulletin board.

According to one embodiment, an over-the-counter stock trading support device that provides an over-the-counter stock trading support system performs a reverse transaction, thereby helping a loan support server conveniently and stably secure uncollected loan funds.

FIG. 6 is a diagram illustrating a method by which an over-the-counter stock trading support device according to one embodiment of the present disclosure determines a reference price based on transaction data.

Referring to FIG. 6, since there is no set reference price for over-the-counter stocks, the over-the-counter stock transaction support device can calculate the reference price of the over-the-counter stocks using transaction data (610). In one embodiment, the over-the-counter stock transaction support device can determine the reference price as an average of the transaction prices of transactions concluded for over-the-counter stocks during a specific period, a median of the transaction prices of the over-the-counter stock transactions concluded for a specific period, a weighted average considering the transaction quantity of the over-the-counter stock transactions concluded for a specific period, or a weighted median considering the transaction quantity of the over-the-counter stock transactions concluded for a specific period. However, this is merely an example, and the reference price of the over-the-counter stocks can be determined in various other ways.

For example, the over-the-counter stock trading support device can determine the average of the transaction prices of transactions concluded during a specific period as the reference price by using transaction data (610). Referring to the examples shown in FIG. 6, the over-the-counter stock trading support device can determine the average of the transaction prices of the eight transactions concluded during a specific period as the reference price of the over-the-counter stock, which is (82,500 + 84,000 + 83,000 + 86,000 + 82,000 + 82,000 + 83,500 + 82,000) / 8 = 83,125 won.

As another example, the over-the-counter stock trading support device may determine the median of the transaction prices of transactions concluded during a specific period as the reference price of the over-the-counter stock by using the transaction data (610). Referring to the examples illustrated in FIG. 6, the over-the-counter stock trading support device may sort the transaction records in descending order of transaction price, and then determine the average price of the two transactions in the middle, [Transaction 1: KRW 82,500, 40 shares] and [Transaction 3: KRW 83,000, 200 shares], as the reference price of the over-the-counter stock, which is KRW 82,750.

As another example, the over-the-counter stock trading support device may determine the weighted average considering the transaction quantity of over-the-counter stock transactions concluded during a specific period as the reference price of the over-the-counter stock by using transaction data (610). Referring to the examples shown in FIG. 6, the over-the-counter stock trading support device may determine the average of the transaction prices considering the quantities of the 8 transactions concluded during a specific period as (82,500*40+84,000*100+83,000*200+86,000*5+82,000*60+82,000*164+83,500*18+82,000*32)/8=82,754 won, as the reference price of the over-the-counter stock.

As another example, the over-the-counter stock trading support device may determine the weighted median considering the transaction quantity of over-the-counter stock transactions concluded during a specific period as the reference price of the over-the-counter stock using transaction data (610). Referring to the examples shown in Fig. 6, the over-the-counter stock trading support device may sort the transaction records in descending order of transaction price, and then determine the 310th transaction price, which is half of the total transaction quantity (619), as 83,000 won, as the reference price of the over-the-counter stock.

However, the reference prices mentioned above with reference to FIG. 6 are only examples and are not limited thereto, and the reference prices may be determined based on various methods such as the minimum value of transaction prices, the transaction price of the last transaction concluded on a specific date, etc.

FIG. 7 is a block diagram of an over-the-counter stock trading support device according to one embodiment of the present disclosure.

Referring to FIG. 7, the over-the-counter stock trading support device (700) may include a transceiver (710), a memory (720), and a processor (730). However, not all of the components illustrated in FIG. 7 are essential components of the over-the-counter stock trading support device (700). The over-the-counter stock trading support device (700) may be implemented with more components than the components illustrated in FIG. 7, or may be implemented with fewer components than the components illustrated in FIG. 7. In addition, the transceiver (710), the processor (730), and the memory (720) may be implemented in the form of a single chip.

In one embodiment, the transceiver (710) can communicate with a terminal or other electronic device connected wired or wirelessly to the over-the-counter stock trading support device (700).

Various types of data, such as programs and files, such as applications, can be installed and stored in the memory (720). The processor (730) can access and use data stored in the memory (720), or store new data in the memory (720). In one embodiment, the memory (720) can include a database. In one embodiment, the memory (720) can store over-the-counter stock trading data.

The processor (730) controls the overall operation of the over-the-counter stock trading support device (700) and may include at least one processor, such as a CPU or a GPU. At this time, one or more processors may be a general-purpose processor, such as a CPU, an AP, a DSP (Digital Signal Processor), a graphic-only processor, such as a GPU or a VPU (Vision Processing Unit), or an artificial intelligence-only processor, such as an NPU. The one or more processors control input data to be processed according to predefined operation rules or artificial intelligence models stored in a memory. Alternatively, when one or more processors are artificial intelligence-only processors, the artificial intelligence-only processor may be designed with a hardware structure specialized for processing a specific artificial intelligence model. The processor (730) may control other components included in the over-the-counter stock trading support device (700) to perform operations for operating the over-the-counter stock trading support device (700). For example, the processor (730) may execute a program stored in the memory (720), read a stored file, or store a new file. In one embodiment, the processor (730) may perform operations for operating the over-the-counter stock trading support device (700) by executing a program stored in the memory (720). For example, the processor obtains OTC stock collateral loan request information including the name of the OTC stock, transmits a balance confirmation request for the OTC stock corresponding to the name of the stock to a securities company server based on the OTC stock collateral loan request information, receives balance information corresponding to the name of the stock of the user account from the securities company server, determines quantity information for the OTC stock based on the balance information, generates transaction information for the OTC stock including price information for the OTC stock, transmits OTC stock evaluation information including the quantity information for the OTC stock and the transaction information for the OTC stock, receives OTC stock collateral loan approval information from the loan review server, transmits a lock request for at least a portion of the OTC stock existing in the user account to the securities company server based on the OTC stock collateral loan approval information, or transmits a transfer request for at least a portion of the OTC stock existing in the user account to a user terminal, and receives lock completion information or transfer completion information from at least one of the securities company server or the user terminal. Upon receiving the information, a loan payment request can be transmitted to the loan review server based on the lock completion information or the transfer completion information.

FIG. 8 is a block diagram of a loan screening server according to one embodiment of the present disclosure.

Referring to FIG. 8, the loan screening server (800) may include a transceiver (810), a memory (820), and a processor (830). However, not all of the components illustrated in FIG. 8 are essential components of the loan screening server (800). The loan screening server (800) may be implemented with more components than the components illustrated in FIG. 8, or may be implemented with fewer components than the components illustrated in FIG. 8. In addition, the transceiver (810), the processor (830), and the memory (820) may be implemented in the form of a single chip.

In one embodiment, the transceiver (810) can communicate with a terminal or other electronic device connected wired or wirelessly to the loan screening server (800).

Various types of data, such as programs and files, such as applications, can be installed and stored in the memory (820). The processor (830) can access and use data stored in the memory (820), or store new data in the memory (820). In one embodiment, the memory (820) can include a database. In one embodiment, the memory (820) can store over-the-counter stock trading data.

The processor (830) controls the overall operation of the loan screening server (800) and may include at least one processor, such as a CPU or a GPU. At this time, one or more processors may be a general-purpose processor, such as a CPU, an AP, a DSP (Digital Signal Processor), a graphic-only processor, such as a GPU or a VPU (Vision Processing Unit), or an artificial intelligence-only processor, such as an NPU. The one or more processors control input data to be processed according to predefined operation rules or artificial intelligence models stored in a memory. Alternatively, when one or more processors are artificial intelligence-only processors, the artificial intelligence-only processor may be designed with a hardware structure specialized for processing a specific artificial intelligence model. The processor (830) may control other components included in the loan screening server (800) to perform operations for operating the loan screening server (800). For example, the processor (830) may execute a program stored in the memory (820), read a stored file, or store a new file. In one embodiment, the processor (830) may perform an operation for operating the loan screening server (800) by executing a program stored in the memory (820). For example, the processor may obtain OTC stock collateral loan request information including a name of an OTC stock, receive OTC stock transaction information including price information on the OTC stock from an OTC stock trading support device, and OTC stock evaluation information including quantity information on the OTC stock existing in a user account, determine a loanable amount based on the OTC stock collateral loan request information and the OTC stock evaluation information, determine a loan amount less than or equal to the loanable amount, transmit OTC stock collateral loan approval information to the OTC stock trading support device based on the loan amount, receive a loan payment request from the OTC stock trading support device, and perform loan payment processing based on the loan payment request.

An embodiment of the present disclosure may also be implemented in the form of a recording medium containing computer-executable instructions, such as program modules, that are executed by a computer. 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. Additionally, computer-readable media can include both computer storage media and communication 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. Communication media typically includes computer-readable instructions, data structures, or program modules, and includes any information delivery media.

The above description of the present disclosure is for illustrative purposes, and those skilled in the art will understand that the present disclosure can be easily modified into other specific forms without changing the technical idea or essential features of the present disclosure. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single component may be implemented in a distributed manner, and likewise, components described as distributed may be implemented in a combined manner.

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

Claims (22)

As a device to support trading of unlisted stocks,
memory; and
comprising at least one processor executing one or more instructions stored in the memory;
At least one processor of the above,
Obtain information on the user's request for a loan secured by unlisted stocks;
Based on the above unlisted stock collateral loan request information, a request for checking the balance of the user's unlisted stock is sent to the securities company server,
Receive balance information on the user's unlisted stocks from the above securities company server,
Determine quantity information on the unlisted stock based on the balance information on the unlisted stock of the above user,
Based on a plurality of transaction processing histories for the unlisted stock performed by the unlisted stock trading support device, transaction information for the unlisted stock including price information for the unlisted stock is generated, and the transaction processing histories include at least one of transaction request information received by the unlisted stock trading support device or transaction conclusion information generated by the unlisted stock trading support device.
Transmitting unlisted stock valuation information including quantity information on the above unlisted stock and transaction information on the above unlisted stock,
Receive unlisted stock collateral loan approval information from the loan server,
Based on the above unlisted stock collateral loan approval information, a request for locking at least a portion of the unlisted stocks existing in the user's account is transmitted to the securities company server, or a request for transfer of at least a portion of the unlisted stocks existing in the user's account is transmitted to the user terminal.
Receive lock completion information or transfer completion information from at least one of the above securities company server or the user's terminal,
An unlisted stock transaction support device that transmits a loan payment request to the loan server based on the above lock completion information or the above transfer completion information. delete In the first paragraph,
The above unlisted stock collateral loan request information is:
Including at least one of the name of the unlisted stock, the desired collateral quantity of the unlisted stock, or the loan request amount of the user;
At least one processor of the above,
An unlisted stock transaction support device that receives unlisted stock collateral loan request information from at least one of the user's terminal or the loan server. In paragraph 1, the transaction information for the unlisted stock is:
An unlisted stock trading support device, which includes at least one of transaction conclusion price information of the unlisted stock, price change information of the unlisted stock, trading volume information of the unlisted stock, transaction count information of the unlisted stock, and transaction request information of the unlisted stock, which is generated based on multiple transaction processing histories of the unlisted stock performed by the unlisted stock trading support device. In paragraph 4, the transaction request information for the unlisted stock is:
An unlisted stock trading support device including at least one of posted sell request information, posted buy request information, sell request information for concluded transactions, buy request information for concluded transactions, posted and then deleted sell request information, or posted and then deleted buy request information. In the first paragraph, at least one processor,
An unlisted stock trading support device that determines price information for the unlisted stock based on at least one of the following: an average of the transaction prices of transactions concluded by the unlisted stock trading support device during a specific period with respect to the unlisted stock, a median of the transaction prices of transactions concluded during the specific period, a weighted average considering the transaction quantity of transactions concluded during the specific period, a weighted median considering the transaction quantity of transactions concluded during the specific period, or a minimum of the transaction prices of transactions concluded during the specific period. In the first paragraph, at least one processor,
Receive a request for a reverse sale of the above unlisted stock from the above lending server,
Based on the above request for short selling, a short selling of the above unlisted stocks is performed,
A device supporting unlisted stock trading that transfers at least a portion of the short-selling proceeds to the lending server. In Article 7,
The above counter-sale request includes information indicating the outstanding loan amount,
At least one processor of the above,
Determine whether the above sale proceeds exceed the above outstanding loan amount;
An unlisted stock trading support device that transfers the remaining amount after deducting the outstanding loan amount from the outstanding sale price to the user's account based on determining that the above-mentioned short sale price exceeds the above-mentioned uncollected loan amount. In the seventh paragraph, the reverse transaction is
An unlisted stock trading support device, which is performed in a relative trading manner by the above unlisted stock trading support device. On the loan server,
memory; and
comprising at least one processor executing one or more instructions stored in the memory;
At least one processor of the above,
Obtain information on the user's request for a loan secured by unlisted stocks;
Receive transaction information for the unlisted stock including price information for the unlisted stock from the unlisted stock transaction support device and unlisted stock evaluation information including quantity information for the unlisted stock existing in the user's account,
Based on the above unlisted stock collateral loan request information and the above unlisted stock valuation information, determine the loanable amount,
Determine the loan amount that is less than or equal to the above loanable amount,
Based on the above loan amount, transmit the unlisted stock collateral loan approval information to the unlisted stock trading support device,
Receive a loan payment request from the above unlisted stock trading support device,
Based on the above loan payment request, the loan payment process is performed,
Transaction information for the above unlisted stocks is:
It is generated based on the multiple transaction processing records for the above unlisted stocks performed by the above unlisted stock transaction support device,
The above transaction processing details are:
A loan server including at least one of transaction request information for unlisted stocks received by the unlisted stock transaction support device or transaction execution history generated by the unlisted stock transaction support device. delete In Article 10,
The above unlisted stock collateral loan request information is:
Including at least one of the name of the unlisted stock, the desired collateral quantity of the unlisted stock, or the loan request amount of the user;
At least one processor of the above,
A loan server that receives the unlisted stock collateral loan request information from at least one of the user's terminal or the unlisted stock trading support device. In Article 10, the transaction information for the unlisted stock is:
A loan server including at least one of transaction conclusion price information of the unlisted stock, price change information of the unlisted stock, transaction volume information of the unlisted stock, transaction count information of the unlisted stock, and transaction request information of the unlisted stock, which are generated based on multiple transaction processing histories of the unlisted stock performed by the unlisted stock transaction support device. In Article 13, the transaction request information for the unlisted stock is:
A loan server that includes at least one of posted sell request information, posted buy request information, sold request information for concluded transactions, bought request information for concluded transactions, posted and then deleted sell request information, or posted and then deleted buy request information. In the 10th paragraph, at least one processor,
Based on the above unlisted stock valuation information, the loan-to-value ratio (LTV) and the valuation price of the unlisted stock are determined.
A loan server that determines the above loanable amount as LTV × (the valuation price of the above-determined unlisted stock) × (the number of the above-determined unlisted stock existing in the above-determined user account). In the 10th paragraph, at least one processor,
A loan server that determines the loanable amount through an artificial intelligence model by inputting the above unlisted stock valuation information. In Article 10, the price information of the unlisted stock is:
A loan server including a reference price determined based on at least one of an average of the transaction prices of transactions concluded by the unlisted stock trading support device during a specific period in relation to the unlisted stock, a median of the transaction prices of transactions concluded during the specific period, a weighted average considering the transaction quantity of transactions concluded during the specific period, a weighted median considering the transaction quantity of transactions concluded during the specific period, or a minimum of the transaction prices of transactions concluded during the specific period. In the 10th paragraph, at least one processor,
Identify loan default events,
Based on the above loan non-recovery event, a request for a reverse sale of the above unlisted stock is transmitted to the above unlisted stock trading support device,
A lending server that receives at least a portion of the proceeds from a reverse sale. In Article 18, the counter-sale price is:
A loan server obtained by performing a reverse transaction in the form of a relative transaction through the above-mentioned unlisted stock transaction support device. In the method of operation of the unlisted stock trading support device,
Step of obtaining information on a user's request for a loan secured by unlisted stocks;
A step of transmitting a request for checking the balance of the user's unlisted stocks to a securities company server based on the above unlisted stock collateral loan request information;
A step of receiving balance information on the user's unlisted stocks from the securities company server;
A step of determining quantity information on the unlisted stock based on balance information on the unlisted stock of the user;
A step of generating transaction information for the unlisted stock including price information for the unlisted stock based on a plurality of transaction processing histories for the unlisted stock performed by the unlisted stock transaction support device, wherein the transaction processing histories include at least one of transaction request information received by the unlisted stock transaction support device or transaction conclusion information generated by the unlisted stock transaction support device;
A step of transmitting unlisted stock evaluation information including quantity information on the unlisted stock and transaction information on the unlisted stock;
Step of receiving approval information for a non-listed stock collateral loan from a loan server;
A step of transmitting a lock request for at least a portion of the unlisted stocks existing in the user's account to the securities company server based on the unlisted stock collateral loan approval information, or transmitting a transfer request for at least a portion of the unlisted stocks existing in the user's account to the user terminal;
A step of receiving lock completion information or transfer completion information from at least one of the securities company server or the user's terminal; and
A method comprising the step of transmitting a loan payment request to the loan server based on the lock completion information or the transfer completion information. In terms of how the loan server operates,
Step of obtaining information on a user's request for a loan secured by unlisted stocks;
A step of receiving transaction information for the unlisted stock including price information for the unlisted stock from an unlisted stock transaction support device and unlisted stock evaluation information including quantity information for the unlisted stock existing in the user's account;
A step of determining a loanable amount based on the above unlisted stock collateral loan request information and the above unlisted stock valuation information;
A step of determining a loan amount less than or equal to the above loanable amount;
A step of transmitting unlisted stock collateral loan approval information to the unlisted stock trading support device based on the above loan amount;
A step of receiving a loan payment request from the above unlisted stock trading support device; and
A step of performing loan payment processing based on the above loan payment request is included.
Transaction information for the above unlisted stocks is:
It is generated based on the multiple transaction processing records for the above unlisted stocks performed by the above unlisted stock transaction support device,
The above transaction processing details are:
A method comprising at least one of transaction request information for unlisted stocks received by the unlisted stock transaction support device or transaction execution history generated by the unlisted stock transaction support device. A program stored on a computer-readable recording medium that causes a computer to execute the method of any one of claims 20 to 21.