KR102341128B1 - Method for providing consulting information for user's stock trading - Google Patents

Abstract

Disclosed are a method for providing consulting information that can be used in stock trading and a computing system for performing the same. According to one aspect of the present invention, the computing system, when there is a request to sell a specific stock included in the user's specific account, confirming the selling quantity corresponding to the selling request, the computing system for the specific stock specifying the acquisition information corresponding to the selling quantity based on the stock transaction history information of the user, wherein the acquisition information includes an acquisition price corresponding to the selling quantity or a type of stock transaction, the computing system specifies Target quantity that is at least a part of the sold quantity based on acquisition information - The target quantity is a quantity that is set lower so that the acquisition price at the time of sale is set lower than that of the other specific stocks included in the specific account to meet a predetermined criterion; or Disclosed is a consulting information providing method comprising the step of providing consulting information including information on the quantity treated as acquired by a predetermined type of stocking or information proposing an outgoing transaction other than selling for the target quantity do.

Description

A method for providing consulting information and a computing system for performing the same

The present invention relates to a method of providing consulting information for determining which stock is the issued stock when the stock is issued and a computing system for performing the same. More specifically, when stocks received are issued, the effect on the holder (e.g., whether stocks received earlier or stocks received later are issued first, etc.) , transfer gains) may vary, so it relates to a method that can provide consulting information on a shipping method favorable to the holder and a computing system that performs the same.

Also, when a user wants to sell a stock, it relates to a method for specifying the stock by which stock event the user wants to sell is a stock and to provide adaptive consulting information accordingly, and a computing system for performing the same.

As the use of computers and the Internet rapidly increases along with the development of ICT technology, the field of business using the Internet is expanding into very diverse fields. Recently, as a part of business through the Internet, sites providing various contents such as Internet advertisement, Internet broadcasting, online game, Internet newspaper/magazine, search service, portal service, and electronic commerce are rapidly increasing. There is also a service for online stock trading among them.

Interest in stock investment as the entry barrier for stock investment is lowered due to the generalization of the Home Trading System/Mobile Trading System, which allows you to purchase and purchase stocks through a computer or mobile device. This is expanding.

On the other hand, when the user (or investor) buys and sells the stocks it owns, it depends on when the purchased stock is considered sold ((in other words, at what unit price the purchased stock is considered to be sold). For example, in a situation where an investor owns 1000 shares purchased at the price of P1 at the time T1 and 1000 shares purchased at the price of P2 at the time T2, among the stocks held If 1000 shares are to be sold, the acquisition price of the stocks to be sold may change to P1 or P2 depending on whether it is regarded as selling the stocks purchased at T1 or selling the stocks purchased at T2. However, since transfer profit is a standard for calculating transfer tax, etc., it can be very useful for stock investors who provide a strategy for deciding which stock to sell.

In addition, we do not simply provide a strategy to reduce the transfer tax that the user has to pay at a certain point in time after the user has traded stock, but preemptively provide a strategy that is advantageous to the investor (at least in terms of transfer tax) before the investor's stock transaction. By doing so, it can be very useful for stock investors to choose an investment strategy that considers not only simple investment returns but also tax implications.

The present invention is a method that can provide consulting information on whether it is advantageous to the holder when the stocks received into the user's account are issued, the stocks issued to the user's account must be treated as issued by any of the various delivery methods And to provide a computing system for performing the same.

In addition, it is to provide a method and system that can improve the profits of users by providing consulting information on strategies that can preemptively reduce the tax burden before users perform stock trading.

A method for providing consulting information according to an aspect of the present invention includes the steps of, by a computing system, confirming, by a computing system, a selling quantity corresponding to the selling request when there is a sale request for a specific stock included in a user's specific account, the computing system Specifying acquisition information corresponding to the selling quantity based on the user's stock transaction history information for the specific stock, wherein the acquisition information includes an acquisition price corresponding to the selling quantity or a type of stock transaction; Target quantity, which is a quantity of at least a part of the selling quantity, based on the acquisition information specific to the computing system - When the target quantity is sold, the acquisition price meets a predetermined criterion compared to the other specific stocks included in the specific account It may include providing consulting information including information about a quantity that is set low or a quantity that is treated as acquired by a predetermined type of stocking or information proposing a shipment transaction other than a sale for the target quantity. have.

In addition, in the consulting information providing method, when the computing system sells the specific stock in the specific account, the pointing information is maintained to check whether the selling quantity of the selling corresponds to which warehousing transaction. The method may further include the step of specifying the acquisition information based on the pointing information.

In addition, in the step of maintaining the pointing information, if the shipment order method corresponding to the account is determined, the pointing information according to the determined shipment order method is maintained, and the shipment order method corresponding to the account is undetermined. If there is, it may be characterized in that the first pointing information and the second pointing information corresponding to each of the first shipment order method and the second shipment order method are maintained.

In addition, the providing of the consulting information may include providing consulting information suggesting shipment to the user's other account or to an account other than the user with respect to the target quantity.

In the consulting information providing method according to an aspect of the present invention, when the computing system is issued for at least a part of the specific stock for a specific stock included in the user's specific account, the number of shipments corresponding to the shipment is Determining which quantity corresponds to which warehousing transaction, the target quantity that is the quantity of at least a part of the outgoing quantity before the shipment is performed based on the determination result by the computing system - the target quantity is the acquisition price when sold It may include the step of determining information about - is a quantity that is set lower to meet a predetermined criterion compared to the other specific stocks included in the specific account or a quantity that is treated as acquired by a predetermined type of stock .

According to another aspect of the present invention, there is provided a computer-readable recording medium recording a program for performing the above-described method.

According to another aspect of the present invention, there is provided a computing system comprising a processor and a memory storing a program, wherein the program, when executed by the processor, causes the computing system to perform the above-described method. this is provided

A computing system according to an aspect of the present invention includes a confirmation module for confirming a selling quantity corresponding to the selling request when there is a sale request for a specific stock included in the user's specific account, the user's stock for the specific stock A specific module for specifying acquisition information corresponding to the selling quantity based on transaction history information, wherein the acquisition information includes an acquisition price corresponding to the selling quantity or a type of stock transaction, and the specific acquisition information based on the Target quantity, which is the quantity of at least a part of the sold quantity - The target quantity is a quantity or a predetermined stocking type whose acquisition price is set lower than that of the other specific stocks included in the specific account at the time of sale to meet a predetermined standard It may include a consulting module for providing consulting information including information on the quantity treated as acquired or information proposing a shipment transaction other than selling for the target quantity.

In addition, the specific module, when the sale of the specific stock is performed in the specific account, maintains and maintains pointing information for confirming whether the selling quantity of the selling is a quantity corresponding to which warehousing transaction The acquisition information can be specified based on .

In the computing system according to an aspect of the present invention, when the release of at least a part of the specific stock is performed for a specific stock included in the user's specific account, the quantity of the shipment corresponding to the shipment corresponds to a certain stock transaction. A specific module for determining whether a quantity is a quantity, and a target quantity, which is a quantity of at least a part of the shipment quantity before the shipment is performed based on the determination result - The target quantity includes an acquisition price included in the specific account when sold It may include a consulting module for judging information about the quantity that is set low to meet a predetermined standard compared to the other specific stocks, or a quantity that is treated as acquired by a predetermined type of stock.

According to an embodiment of the present invention, a method of reducing the transfer profit for the issued stock or reducing the taxation effect according to the transfer profit among various delivery methods for the stock received into the user's account is determined and consulting therefor information can be provided. That is, there is an advantage of providing consulting information on the most advantageous shipping method to the user.

That is, according to the technical idea of the present invention, after the stock is sold, whether the method of issuing the stock first to the customer (user) first (that is, first-in, first-out) is advantageous for calculating the transfer difference or the stock received later It can help customers make rational decisions by providing consulting information on whether the method of releasing products first (last-in-first-out) is advantageous.

Moreover, if the stocks used for a specific outgoing transaction are the stocks received by the warehousing transaction according to the method determined above, the holding period of the stocks may vary depending on the above method, and the tax rate may vary depending on the holding period. In this case, it can be very effective to provide consulting to users in consideration of the retention period.

In addition, it is effective not only to provide consulting information ex post at a certain point in time, but also to provide consulting information that can be beneficial for taxation to investors in advance before the user's stock transaction, thereby promoting the user's interests comprehensively. .

In order to more fully understand the drawings recited in the Detailed Description, a brief description of each drawing is provided.
1 is a diagram illustrating a driving environment of a method for providing consulting information for a method of selecting a stock release order of stocks according to an embodiment of the present invention.
2 is a flowchart illustrating a method for providing consulting information according to an embodiment of the present invention.
Figure 3a is a diagram illustrating an example of an algorithm for calculating the first transfer difference when each shipment transaction for a predetermined analysis target period is performed according to the first method.
Figure 3b is a diagram illustrating an example of an algorithm for calculating the second transfer amount when each shipment transaction for a predetermined analysis target period is performed according to the second method.
Figure 4a shows an example of a list of transaction details for the target item, Figure 4b is the first transfer difference in the case of shipping the transaction history list of Figure 4a by the first method and the second method It is a diagram showing the result of calculating the second transfer difference.
Figure 5a shows another example of the list of transaction details for the target item, Figure 5b is the first transfer difference in the case of shipping the transaction history list of Figure 5a by the first method and when shipped by the second method It is a diagram showing the result of calculating the second transfer difference of
6 is a block diagram illustrating a schematic configuration of a computing system according to an embodiment of the present invention.
7 is a view for explaining a method of providing consulting information that can be provided to a user according to an embodiment of the present invention.
FIG. 8 is a view for explaining a method of determining which stock is the stock by which stock transaction the amount of stock to be sold in advance is determined according to an embodiment of the present invention.
9 is a view for explaining a method for determining the stock by which stock transaction the amount of stock to be sold in advance is determined according to another embodiment of the present invention.

Since the present invention can apply various transformations and can have various embodiments, specific embodiments are illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the present invention to specific embodiments, and should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention. In describing the present invention, if it is determined that a detailed description of a related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted.

Terms such as first, second, etc. may be used to describe various elements, but the elements should not be limited by the terms. The above terms are used only for the purpose of distinguishing one component from another.

The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly dictates otherwise.

In this specification, terms such as “include” or “have” are intended to designate that the features, numbers, steps, operations, components, parts, or combinations thereof described in the specification exist, and one or more other It should be understood that this does not preclude the possibility of addition or presence of features or numbers, steps, operations, components, parts, or combinations thereof.

In addition, in the present specification, when any one component 'transmits' data to another component, the component may directly transmit the data to the other component or through at least one other component. This means that the data may be transmitted to the other component. Conversely, when one component 'directly transmits' data to another component, it means that the data is transmitted from the component to the other component without passing through the other component.

Hereinafter, the present invention will be described in detail focusing on embodiments of the present invention with reference to the accompanying drawings. Like reference numerals in each figure indicate like elements.

1 is a diagram illustrating a driving environment of a method for providing consulting information (hereinafter, referred to as 'consulting information providing method') for a method of selecting a shipment order of stocks in stock according to an embodiment of the present invention.

Referring to FIG. 1 , a predetermined computing system 100 may be provided to implement the method for providing consulting information according to an embodiment of the present invention.

The computing system 100 may be a data processing device. In one embodiment, the computing system 100 may be a server.

The computing system 100 may generate consulting information on a shipping strategy for stocks owned by the user, and may provide consulting information to the user terminal 200 of the user.

In addition, when the computing system 100 performs a release strategy (eg, substitution, transfer, etc.) other than the sale desired by the user among the quantity that the user wants to trade in advance before trading the stocks he owns It is also possible to identify in advance a specific amount that can be saved and provide consulting information accordingly.

The user terminal 200 may be an information processing device having a network communication function. For example, the user terminal 100 is a desktop computer or laptop computer, or a mobile phone, satellite phone, wireless phone, SIP (Session Initiation Protocol), WLL (Wireless Local Loop) station, smart phone, tablet PC, PDA ( It may be a processing device including a mobile device such as a Personal Digital Assistant).

The computing system 100 and the user terminal 200 may be connected through a wired/wireless network to transmit/receive various types of information, data, and/or signals necessary to implement the technical idea of the present invention.

In addition, the computing system 100 may be connected to a predetermined securities company system 300 through a wired/wireless network to transmit/receive various types of information, data and/or signals necessary to implement the technical idea of the present invention. For example, the computing system 100 may acquire account ledger information for the user's stock transaction from the securities company system 300 through a wired/wireless network. According to an embodiment, the computing system 100 may receive stock transaction ledger information directly from a user.

According to another example, the computing system 100 may be installed and implemented in the user terminal 200 , or may be installed and implemented in the securities company system 300 . Alternatively, if necessary, it may be a system implemented by being dividedly installed in the user terminal 200 and the securities company system 300 and organically combined and installed components.

The securities company system 100 may be a system that provides a trading service for stocks or other securities, and may be a system for maintaining/managing at least the user's account ledger information.

For example, FIG. 1 shows an example in which the computing system 100 performing the consulting information providing method is implemented in a separate form from the user terminal 200 and the securities company system 300 , but according to the implementation example, the computing system 100 may be implemented in the form of a subsystem included in the user terminal 200 or the securities company system 300 . According to an example, the computing system 100 may be implemented by being included in a Home Trading System (HTS) or a Mobile Trading System (MTS) used by a user.

2 is a flowchart illustrating a method for providing consulting information according to an embodiment of the present invention.

Referring to FIG. 2 , the computing system 100 receives the user's stock transaction ledger information (eg, account ledger information) from the securities company system 300 (or the user (or a person who manages or consults the user's assets)). can be obtained (S100). The stock transaction ledger information may be information on transaction details of stocks received or issued to the user's account (eg, a stock account). Each transaction detail may include a transaction date and time, stock item, transaction volume (number of stocks), unit price (eg, sale amount, purchase amount, etc.), and type of transaction.

Stock transaction can occur by purchase, capital increase, capital increase, stock dividend, stock in stock, etc. The outgoing transaction may occur by selling, replacing, transferring, shipping by a third party, etc., but depending on the embodiment, only the selling transaction may be treated as the outgoing transaction.

Meanwhile, the computing system 100 may generate and provide consulting information on a predetermined target item held by the user. To this end, the computing system 100 may extract the stock transaction details of stocks of the predetermined target stock held by the user from the stock transaction ledger information of the user (S110).

The transaction ledger information includes transaction details for all stock items owned by the user, and the computing system 100 may select and extract the stocks of the target item from among the transaction details.

In an embodiment, the computing system 100 may determine whether the user holds a specific position for a company corresponding to the target stock item before generating the consulting information (S130), and the computing system (100) may generate consulting information only when it is determined that the user has a specific position with respect to the company corresponding to the target stock item.

In particular, the computing system 100 may determine whether the user has the status of a major shareholder. That is, the computing system 100 may determine whether the user is a major shareholder of the company. According to an example, the computing system 100 may determine whether a major shareholder is based on the end of the year immediately preceding the year to which the determination time belongs. Of course, according to the embodiment, it is determined whether there is a possibility that the current major shareholder standard is met even if it is not a major shareholder as of the end of the immediately preceding year according to a predetermined standard (eg, within a predetermined ratio or amount compared to the standard ratio or the standard amount corresponding to the standard of the major shareholder) exists), and as a result of the determination, consulting information according to the technical idea of the present invention may be generated and provided for users who are likely to be major shareholders.

In an embodiment, the computing system 100 may determine whether a major shareholder is a major shareholder based on the holding quantity or holding amount of the target stock item held by the user or a person having a certain special relationship with the user. If it is greater than the ratio or amount of holdings specified in laws and other regulations, it may be a major shareholder. For example, if a user holds stocks of a specific company above a reference ratio or more than a reference amount at a certain point in time, the user may be treated as a major shareholder in terms of taxation requirements.

The above reference ratio or reference amount depends on whether the specific company is a listed or unlisted company, and if it is a listed company, whether it is a corporation listed on the stock market, a corporation listed on the KOSDAQ market, or a corporation listed on the KONEX market. may vary depending on

On the other hand, when determining whether a major shareholder is a major shareholder, it may be decided by adding up the shares held by not only the user himself but also a person in a certain special relationship (eg, lineal ascendant, descendant, spouse, etc.) as necessary or as prescribed by law. And the scope of the related party may vary depending on whether or not the largest shareholder.

In this case, if necessary, the computing system 100 may further acquire information on the stock transaction ledger information of the related person to determine whether the user corresponds to a specific status.

On the other hand, the computing system 100 may calculate the first transfer difference in the case of performing each shipment transaction during a predetermined analysis period for the stock of the target stock held by the user according to the first method (S140) ). In this case, the first method may be a method of preferentially issuing stocks having the earliest stocking time among the stocks of the target stock held by the user.

The analysis target period may be a predetermined period such as year, quarter, semiannual, or month.

In the first method, shipment transactions (eg, sale, transfer, replacement, etc.) made during the analysis target period are treated as sequentially performed for stocks received in the order of stocking time. That is, the stocks with the earliest stocking time among the holdings are treated as having priority issued by the outgoing transaction. The first transfer difference means the transfer difference when it is assumed that the stocks held by the user are issued in the first manner described above. On the other hand, depending on the embodiment, in the case of a shipment transaction with a unit price of 0 (eg, shipment by another company excluding sale), it may be treated as having no difference in transfer or may be excluded when calculating the difference in transfer.

Figure 3a is a diagram illustrating an example of an algorithm for calculating the first transfer amount when each shipment transaction for a predetermined analysis target period is performed according to the first method.

In the part 1000 of the algorithm shown in FIG. 3A , variables to be used in the corresponding algorithm are initialized. In FIG. 3A, [B0, B2, B3, ..., Bm-1] is a list in which stocks owned by the user are sorted in the order of wearing time, and is assigned to the variable Buy. [S0, S2, S3, . On the other hand, the variable Dot stores the first transfer difference in the DoT variable after the algorithm according to FIG. 3A is all performed, and is initialized to 0. A variable Bt is a variable for a stock stock to be used later in the part 1100, and i is a variable indicating an index of Buy, and is initialized to 0. The initial value of Bt is set to the stock held at the earliest point in time (ie B0). A variable St is a variable for a stock to be issued later in the part 1100 , and j is a variable representing an index of Sell and is initialized to 0 . The initial value of St is set to the stock issued at the earliest point in time (ie, S0). The variable rsB is a variable representing the remaining quantity of stocks allocated to Bt, and its initial value is set to the quantity of B0. N(x) represents the quantity of goods received or issued x. The variable rsS is a variable representing the remaining quantity of issued stocks allocated to St. The initial value is set to the quantity of S0.

In part 1100 of the algorithm shown in Figure 3a, the total transfer difference for the stocks issued is determined, and is performed until processing for all stocks issued is completed.

The first sub-part 1110 of part 1100 of the algorithm deals with the case where the balance of Bt (stocks in stock) is less than the balance of stocks (stocks issued). In the lower part 1110, after releasing all the remaining amount (rsB) of the current stock Bt in stock, the variable is adjusted so that the next stock stock can be processed. More specifically, the difference between the transfers when all of the Bt balance (rsB) is sold (P(x) represents the unit price of stock x), and the balance (rsS) of the issued stock St After deducting, the stock with the next earliest stock has to be processed, so the index i of Buy is increased to allocate the next stock to Bt. rsB is set as the quantity of the next stock in stock.

The second subpart 1120 of part 1100 of the algorithm deals with the case where the balance of Bt (stocks in stock) is greater than the balance of stocks (stocks issued). In the lower part 1120, after the remaining amount (rsS) of the currently issued stock St among the current stocks Bt is released, the variable is adjusted so that the next stock is processed. More specifically, in the case of selling all the balance (rsS) of St, the difference is added up, the balance (rsB) of stock Bt is deducted by the balance (rsS) of St, and the index j of Sell is increased to St. The next incoming stock will be allocated. rsS is set as the quantity of the next issued stock.

The third subpart 1130 of part 1100 of the algorithm deals with a case where the balance of Bt (stocks in stock) and the balance of St (stocks issued) are the same. In the lower part 1130 , after releasing all of the stock Bt currently in stock, the variables are adjusted so that the stock stocks in the next stock and stock are processed. More specifically, the difference between the transfers in the case of selling all the remaining amount (rsB) of Bt is added up, the index i of Buy is increased to allocate the next stock in Bt, and the index j of Sell is increased to the next stock stock in St. will be assigned rsB is set to the quantity of the next stock in stock, and rsS is set to the quantity of the next out stock.

The algorithm of FIG. 3A is only an example, and it goes without saying that various algorithms may exist for implementing the first method of preferentially issuing stocks with the earliest stocking time among the stocks of the target stock held by the user.

On the other hand, the computing system 100 may calculate a second transfer difference in the case of performing each shipment transaction during the analysis period for the stock of the target item held by the user according to the second method (S150). In this case, the second method may be a method of preferentially issuing stocks having a late stocking time among the stocks of the target stock held by the user.

In the second method, shipment transactions made during the analysis target period (eg, sale, replacement, shipment from other companies, etc.) are treated as sequentially performed in the reverse order of the wearing time. That is, among the stocks held, stocks with a late arrival time are treated as having priority issued by the outgoing transaction. The second transfer difference means the transfer difference when it is said that the stocks held by the user are released in the second method. On the other hand, according to the embodiment, in the case of a shipment transaction with a unit price of 0 (eg, transfer excluding sale, replacement, etc.), it may be treated as having no transfer difference or may be excluded from the calculation of the transfer difference as described above.

Figure 3b is a diagram illustrating an example of an algorithm for calculating the second transfer amount when each shipment transaction for a predetermined analysis target period is performed according to the second method. In Figure 3b, [B0, B2, B3, ..., Bm-1] is a list sorted in the order of the stocks held by the user, and [S0, S2, S3, ..., Sn-1] is the user's This is a list of stocks issued during the analysis period in the order of release time, and after all the algorithms according to FIG. 3b are performed, the second transfer difference is stored in the DoT variable.

The algorithm of FIG. 3B operates mostly similar to the algorithm of FIG. 3A, but there are some differences. Focusing on the differences, since the algorithm of Fig. 3b has to process the stocks received the latest, the index i of Buy is set to m-1, and therefore the initial value of Bt is the stocks received at the latest time (that is, Bm-1) is initialized.

On the other hand, in the algorithm of Figure 3b, if all the remaining amount of stock Bt is currently stocked out, the stock having the next late stock has to be processed, so the lower part 2110 of Figure 3b corresponding to the lower part 1110 of Figure 3A and Fig. In the lower part 2130 of FIG. 3B corresponding to the lower part 1130 of 3a, the index of Buy is decreased for the processing of the next stock stock (increased in the algorithm of FIG. 3a).

The algorithm of FIG. 3b is also only an example, and it goes without saying that various algorithms for implementing the second method of preferentially issuing stocks with late stocking times among the stocks of the target stock held by the user may exist.

Figure 4a shows an example of a list of transaction details for the target item, Figure 4b is the first transfer difference in the case of shipping the transaction history list of Figure 4a by the first method and the second method It is a diagram showing the result of calculating the second transfer difference.

Referring to FIG. 4A , stocks were received in the user's account in chronological order as follows.

- Buy 100,000 shares at a unit price of 20,000 won on 2020.01.01

- 10,000 shares increased free of charge on 2020.03.31

After that, the user sells 10,000 shares at a unit price of 30,000 won on 2020.07.01.

According to the first method described above, as shown in Fig. 4b, the selling transaction (unit price of 30,000 won) of 10,000 shares on July 1, 2020 is the number of sold out of 100,000 shares that the user purchased (purchased) on January 1, 2020, the earliest point in time. Since 10,000 shares (unit price of 20,000 won) have been sold, the first transfer difference is calculated as follows.

1st transfer difference = transfer price - acquisition price = 10,000 shares*30,000 won - 10,000 shares*20,000 won = 100,000,000 won

Meanwhile, according to the second method, the sale transaction of 10,000 shares (unit price of 30,000 won) on July 1, 2020 means that the user sold 10,000 shares (unit price of 0 won) received free of charge on March 31, 2020, which is the latest time. 2The transfer difference is calculated as follows.

2nd transfer difference = transfer price - acquisition price = 10,000 shares*30,000 won - 10,000 shares*0 won = 300,000,000 won

On the other hand, Figure 5a shows another example of the list of transaction details for the target item, Figure 5b is the first transfer difference in the case of shipping the transaction history list of Figure 5a by the first method and the second method It is a diagram showing the result of calculating the second transfer difference in one case.

Referring to FIG. 5A , stocks were received in the user's account in chronological order as follows.

- Buy 10,000 shares at a unit price of KRW 25,000 on 2020.01.01

- Buy 10,000 shares at a unit price of 22,000 won on 2020.02.01

- 10,000 shares increased free of charge on 2020.03.31

- Buy 20,000 shares at a unit price of 23,000 on May 31, 2020

Thereafter, it can be assumed that the user sold 10,000 shares at a unit price of 30,000 won on July 31, 2020, and sold 20,000 shares at a unit price of 28,000 won on August 31, 2020.

According to the first method described above, the first release transaction, that is, the selling transaction of 10,000 shares on July 31, 2020 (unit price of KRW 30,000), sells 100,000 shares (unit price of KRW 25,000) that the user purchased on January 1, 2020, the earliest point in time. The second release transaction, that is, the sale of 20,000 shares (unit price 28,000 won) on Aug. 31, 2020 (unit price: KRW 28,000), purchases 10,000 shares (unit price: KRW 22,000) on February 1, 2020 and 10,000 shares (unit price: KRW 0) ), so the first transfer difference is calculated as shown in FIG. 5B.

1st transfer difference = 10,000 shares*(30,000 won-25,000 won) + 10,000 shares*(28,000 won-22,000 won) + 10,000 shares*(28,000 won - 0 won) = 390,000,000 won

Meanwhile, according to the above-described second method, the first release transaction, that is, the sale transaction of 10,000 shares (unit price 30,000 won) on July 31, 2020 is among the 20,000 shares (unit price 23,000 won) that the user purchased on May 31, 2020, the latest time. The selling quantity of 10,000 shares is sold, and the second release transaction, that is, the sale of 20,000 shares (unit price: KRW 28,000) on Aug. 31, 2020, is the remaining 10,000 shares among the 20,000 shares (unit price: KRW 23,000) purchased on May 31, 2020. And on March 31, 2020, 10,000 shares (unit price of 0 won) that received a free capital increase were sold, so the second transfer difference is calculated as follows.

10,000 shares*(30,000 won-23,000 won) + 10,000 shares*(28,000 won-23,000 won) + 10,000 shares*(28,000-0 won)= 400,000,000 won

Meanwhile, referring back to FIG. 2 , the computing system 100 may calculate the first transfer difference and the second transfer difference, and then generate consulting information based thereon ( S160 ).

According to the transfer difference of each of the calculated first and second methods, it is possible to provide the user with consulting information on how to handle the shipment transaction as if it was done. The consulting information may be the first transfer difference and the second transfer difference itself.

Alternatively, the consulting information may include consulting information on a shipping order selection method determined based on the calculated first transfer difference and the second transfer difference. In more detail, when the first transfer difference is small, the computing system 100 provides consulting information corresponding to the first method (eg, a series of information for calculating capital gains in the first method and reporting capital gains tax) ), and if the second transfer difference is small, consulting information corresponding to the second method (eg, a series of information for calculating capital gains in the first method and reporting capital gains tax) can be provided. can

Meanwhile, according to an embodiment, the consulting information may include information on the first transfer tax amount and the second transfer tax amount. That is, the computing system 100 calculates the first transfer tax amount for the first transfer difference and the second transfer tax amount for the second transfer difference, respectively, and provides information on the calculated first transfer tax amount and the second transfer tax amount. can be provided to users.

The transfer tax amount is proportional to the transfer difference if the same tax rate is applied to all outgoing transactions. However, according to the first and second methods described above, the holding period of stocks used for each outgoing transaction may vary. In addition, different tax rates may be applied depending on the holding period. In this case, it may be insufficient to provide consulting information advantageous to the user only with the transfer difference according to each of the first and second methods, and it may be desirable to generate consulting information in consideration of the transfer tax amount.

For example, it may be assumed that different tax rates are applied according to a predetermined reference period (eg, 6 months or 1 year, etc.). It can be assumed that a higher tax rate is applied when the holding period is shorter than the reference period, and a lower tax rate is applied when the holding period is longer than the reference period.

For example, it is assumed that the base period is 6 months, and a tax rate a is applied for a period shorter than the base period, and a tax rate b is applied for a longer period. Here, a may be a larger number.

Then, in the example of FIG. 5A, if the first method is followed, the stocks used for the first stock transaction (sell on July 31, 2020) may be treated as stocks received through the first stock transaction (buy on January 1, 2020). In this case, since the holding period is longer than the base period, the transfer tax rate b may be applied. In addition, the stocks used in the second stocking transaction (sell on August 31, 2020) are 10,000 stocks stocked through the second stock transaction (purchase on February 1, 2020) and the third stock increase (free increase on March 31, 2020) ) can be treated as 10,000 stocks, and in this case, stocks received through the second stocking transaction (purchase on February 1, 2020) have a holding period through the second stocking transaction for a standard period (eg, 6 months) Transfer tax rate b is applied because it is longer, but the transfer tax rate a can be applied as the holding period of 10,000 stocks received through the third stock-in transaction (free increase on March 31, 2020) is shorter than the base period.

Therefore, if the first method is selected, the transfer tax amount according to the entire shipment transaction, that is, the first transfer tax amount, is equivalent to the transfer tax amount of 10,000 shares*(30,000 won-25,000 KRW)*b corresponding to the first shipment transaction and the second shipment transaction. It can be the sum of the transfer tax amount {10,000 shares*(28,000 won - 22,000 won)*b + 10,000 shares*(28,000 won - 0 won)*a}.

On the other hand, if method 2 is followed, the stocks used in the first stock transaction (sell on July 31, 2020) can be treated as stocks received through the fourth stock transaction (buy on May 31, 2020), and in this case, Since the holding period is shortened, a transfer tax rate may be applied. In addition, the stocks used in the 2nd stocking transaction (sell on August 31, 2020) are 10,000 stocks stocked through the 4th stock transaction (buy on May 31, 2020) and the third stock increase (free increase on March 31, 2020) ) can be treated as 10,000 shares, and in this case, both the stocks received through the 4th stock-in transaction (purchase on May 31, 2020) and the third stock transaction ((free increase on March 31, 2020) are the second The transfer tax rate a may be applied because the holding period is shorter than the base period (eg, 6 months) through outgoing transactions.

Therefore, if the second method is selected, the transfer tax amount according to the entire shipment transaction, that is, the second transfer tax amount, is the transfer tax amount corresponding to the first shipment transaction 10,000 shares*(30,000 won-23,000 KRW)*a and the second shipment transaction equivalent. It can be the sum of the transfer tax amount {10,000 shares*(28,000 won - 23,000 won)*a + 10,000 shares*(28,000 won - 0 won)*a}.

In the example of FIG. 5A , the case where the transfer tax rate a is applied is exemplified in the case of the second method, but the tax rate to be applied according to each outgoing transaction may vary depending on the embodiment of the time of each stocking transaction and the outgoing transaction and the base period. of course there is

In general, if the second method is selected, the holding period of stocks used for each outgoing transaction can be shortened in general. However, even in this case, depending on the number of stocks remaining after the outgoing transaction, the maintenance or loss of a specific position (for example, whether the stock is a major shareholder) may vary. The application of the following tax rate may not be disadvantageous to the user.

Moreover, within the limit of non-taxation, users can choose various strategic options such as gifting, and some users may choose a method with a higher transfer tax amount depending on the use of the remaining stock in the future, even if the transfer tax amount itself is somewhat disadvantageous in the future. Therefore, more effective consulting information when considering the difference in transfer amount according to the first method and the second method, as well as the tax rate when the holding period of stocks used for each issuing transaction according to the first method and the second method is differently applied according to the first method and the second method may be possible to provide. In this case, the consulting information may be the first transfer tax amount and the second transfer tax amount itself, and it goes without saying that any meaningful information that can be provided to the user based on each calculated transfer tax amount may be further included.

In the end, according to the technical idea of the present invention, after the stock is sold, the method of issuing the stocks first to the customer (user) after the sale (that is, first-in-first-out) is advantageous in calculating the transfer difference (or transfer tax) or By providing consulting information on whether the method of releasing stocks received later (last in, first out) is advantageous, it can help customers make rational decisions.

6 is a block diagram illustrating a schematic configuration of a computing system according to an embodiment of the present invention. As shown in FIG. 6 , the computing system 100 includes an acquisition module 110 , a status determination module 120 , an extraction module 130 , a first calculation module 140 , a second calculation module 150 , A consulting module 160 may be included. According to an embodiment, the computing system 100 may further include a confirmation module 170 and/or a specific module 180 .

According to an embodiment of the present invention, some of the above-described components may not necessarily correspond to the components essential to the implementation of the present invention, and according to the embodiment, the computing system 100 is more Of course, it may include more components. For example, the computing system 100 includes other components included in the computing system 100 (eg, an acquisition module 110 , a status determination module 120 , an extraction module 130 , a first calculation module). (140), the second calculation module 150, the consulting module 160, the confirmation module 170, and/or a control module (not shown) capable of controlling the functions and/or resources of the specific module 180, etc.) ) may be further included.

The computing system 100 may include hardware resources and/or software necessary to implement the technical idea of the present invention, and does not necessarily mean one physical component or one device. . That is, the computing system 100 may mean a logical combination of hardware and/or software provided to implement the technical idea of the present invention, and if necessary, installed in devices spaced apart from each other to perform each function By doing so, it may be implemented as a set of logical configurations for implementing the technical idea of the present invention. Also, the computing system 100 may refer to a set of components separately implemented for each function or role for implementing the technical idea of the present invention. For example, the acquisition module 110 , the status determination module 120 , the extraction module 130 , the first calculation module 140 , the second calculation module 150 , the consulting module 160 , the confirmation module 170 . ), and/or the specific module 180 may be located in different physical devices or may be located in the same physical device. In addition, depending on the implementation, the acquisition module 110 , the status determination module 120 , the extraction module 130 , the first calculation module 140 , the second calculation module 150 , the consulting module 160 , the confirmation The combination of software and/or hardware constituting each of the module 170 and/or the specific module 180 is also located in different physical devices, and the components located in different physical devices are organically coupled to each other to form each of the modules. can also be implemented.

In addition, in the present specification, a module may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, the module may mean a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and does not necessarily mean physically connected code or one type of hardware. It can be easily deduced to an average expert in the art of the present invention.

The acquisition module 110 may acquire the user's stock transaction ledger information. For example, the acquisition module 110 may acquire stock transaction ledger information from the securities company system 300 . Of course, as described above, the stock transaction ledger information may be manually input by the user or a person who handles business for the user (eg, an asset manager, an asset consulting performer, a tax agent, etc.).

The extraction module 130 may extract the stock transaction details of stocks of the target stock held by the user from the stock transaction ledger information of the user.

The first calculation module 140 may calculate a first transfer difference when each issuing transaction for a predetermined analysis period for the stock of the target item held by the user is performed according to the first method described above, , the second calculation module 150 may calculate a second transfer difference when each issuing transaction for the stock of the target stock held by the user during the analysis period is performed according to the second method described above. .

The consulting module 160 may generate consulting information on a delivery order selection method based on the calculated first transfer difference and the second transfer difference. The generated consulting information may be provided to a user. For example, the consulting module 160 may transmit consulting information to the user terminal 200 .

According to an embodiment, the consulting module 160 calculates a first transfer tax amount for the first transfer difference and a second transfer tax amount for the second transfer difference amount, and applies the first transfer tax amount and the second transfer tax amount to the first transfer tax amount. You can also provide more information about it.

Depending on the embodiment, the first calculation module 140 and the second calculation module 150 may respectively calculate the first transfer tax amount and the second transfer tax amount as described above. In this case, the consulting module 160 calculates Consulting information based on the first transfer tax amount and the second transfer tax amount may be provided to the user. That is, the calculation of the first transfer tax amount and the second transfer tax amount may be performed by the first calculation module 140 and the second calculation module 150 , or may be generated by the consulting module 160 if necessary.

On the other hand, the status determination module 120 may determine whether the user holds a specific position for the company corresponding to the target stock, the computing system, the user corresponds to the target stock It may be implemented to provide consulting information when it is determined that it has a specific position for a company that does business.

The confirmation module 170 may check the selling quantity corresponding to the selling request when there is a selling request for a specific stock included in the user's specific account. Of course, if the consulting information includes the transfer difference or transfer tax, the user can also check the desired selling price.

The confirmation module 170 may check information on the selling quantity/price from the securities company system 300 , or check such information from HTS, MTS, web pages, etc. installed in the user terminal 200 .

The specific module 180 may acquire acquisition information corresponding to the quantity of shipment in a predetermined shipment transaction. The acquisition information may include an acquisition price corresponding to the selling quantity or a type of stock transaction. Of course, the specific module 180 may specify different acquisition information for each partial quantity constituting the selling quantity when any one of the warehousing transactions does not match the warehousing transaction in some cases.

Also, the specific module 180 may maintain/manage pointing information in order to specify the acquired information.

Then, the consulting module 160 may generate consulting information according to an embodiment of the present invention. To this end, the consulting module 160 may first specify the stock transaction corresponding to the target quantity. In addition, a predetermined reference condition for defining the target quantity may be determined in advance.

Then, based on the acquisition information, the consulting module 160 executes information on the target quantity, which is at least a part of the selling quantity, or a shipping transaction other than selling for the target quantity (eg, shipping to another account, etc.) Consulting information including the proposed information may be generated and provided to the user. This will be described later in detail.

Of course, the computing system 100 may provide the above-described consulting information for each stock item held by the user.

On the other hand, as described above, the computing system 100 may select the transfer difference or transfer tax amount for the stock transaction already performed for a predetermined period for each delivery method, but before the user performs the stock transaction, a predetermined By providing consulting information, you can also provide information that will help you save money.

In this case, the consulting information provided is, as will be described later, when a user intends to sell a specific stock, at least some of the stock included in the sale quantity is subject to certain conditions (for example, when a relatively high transfer tax is imposed when simply selling ), information on the quantity corresponding to the above condition may be included. Hereinafter, in the present specification, the quantity of the specific stock that meets the above conditions will be defined as the target quantity.

for example. In the case of the target quantity, when the order of release of the first method or the second method as described above is applied, stocks with a relatively low acquisition price (for example, the quantity for which the acquisition price is set at 0 won as a free increase Even if it is a rights issue, it may be a stock that corresponds to a quantity acquired at a relatively low price, or stocks purchased at a very low price even if acquired through an exchange-traded transaction) or a predetermined stock type (eg, a free stock issue or a rights issue).

If this target quantity is included in the selling quantity of the specific stock that the user wants to sell, the target quantity may be treated as having obtained a relatively high transfer profit, and in this case, a high transfer tax may be imposed. Therefore, it may be desirable to replace or transfer the target quantity to a separate account and sell the quantity that does not correspond to the target quantity first. Because, after the sale of the specific stocks except for the target amount, you may be freed from the position subject to taxation on stock transfer income tax (eg, a large shareholder as a taxable condition) due to a decrease in the number of stocks held. Alternatively, even if the user sells the desired quantity excluding the target quantity, he/she may not be able to get out of the taxable status, but it is because the transfer tax amount can be reduced by implementing other strategies such as gifting within the non-taxable range.

In this way, when a certain amount of consulting information is provided when the target quantity is included among the sales quantity that the user wants to sell preemptively, the tax saving is much higher than when the order of shipment is limitedly selected after the stock transaction is performed in an advantageous way. There is a possible effect.

In addition, not only when the user intends to sell a specific stock (eg, when the user enters order information for a sell order), but also when the user does not intend to sell, based on the past stock transaction history at the present time, If the shares are sold, consulting information may be provided in advance that the shares corresponding to the target quantity will be sold thereafter.

For example, if the transaction details in FIG. 5A are described as an example, 2020.07.31. Selling 10,000 shares is treated as a sale of stocks corresponding to the stock transaction as of January 1, 2020. After that, if a user inputs a sell request to HTS or MTS to sell 20,000 shares on August 31, 2020, 10,000 of the sold quantity (20,000 shares) are treated as stocks corresponding to the stock transaction on February 1, 2020, but the remaining quantity 10,000 shares, that is, the target quantity as defined in this specification, is treated as a stock purchase transaction on March 31, 2020, that is, stocks acquired through a free capital increase are sold. In this case, a relatively high transfer profit (28,000 won) may be applied to the target quantity.

In this case, according to the technical idea of the present invention, when a sale request (sell quantity of 20,000 shares) is input on August 31, 2020, only 10.000 shares of the selling quantity are sold to the user, and 10,000 shares corresponding to the target quantity are transferred or replaced to another account. Consulting information to suggest to do may be generated and provided to the user terminal 200 . Of course, if the user desires, information that allows the user to sell the remaining 10,000 shares of the desired quantity after transfer or replacement may be further included in the consulting information.

In this case, if the sale on August 31, 2020 was simply performed according to the user's request for sale because such consulting information was not provided, as explained in Figure 5b, the transfer profit is 340 million by the sale of 20,000 shares on August 31, 2020 { 10,000*(28,000-22,000)+10,000*(28,000-0)} However, according to the consulting information, after selling only 10,000 shares of the first selling quantity, transferring or replacing 10,000 shares corresponding to the target quantity to another account, and then selling 10,000 shares again, the last 10,000 shares are stocked on May 31, 2020 In this case, {10,000*(28,000-22,000)+10,000*(28,000-23,000)}=110 million. Of course, if the target quantity of 10,000 shares transferred or replaced to another account is subsequently sold, a significant transfer profit may be set. The remaining stocks may also be donated through a tax-free gift. As a result, in some cases, it is possible to obtain a very high tax saving effect through the above-mentioned consulting information.

The computing system 100 may maintain/manage predetermined pointing information in order to provide consulting information on the target quantity as described above. The pointing information may be information maintained in order to determine which stocks acquired through which stocks are sold when the sale is performed.

The computing system 100 may maintain both the first pointing information and the second pointing information corresponding to each of the first shipping method and the second shipping method according to an embodiment. In addition, the timing at which the target quantity is sold may be different according to the first pointing information and the second pointing information, and accordingly, computing information may be adaptively provided. For example, when the user makes a sell request for a predetermined selling quantity, the target quantity is not included in the selling quantity according to the first pointing information according to the first shipping method, but the second pointing information according to the second shipping method In this case, the target quantity may be included among the sales quantity. Therefore, depending on each shipping method, information on whether the target quantity is included in the selling quantity is provided as consulting information, or information on how it is advantageous to conduct a shipping transaction depending on whether the target quantity is included is provided as consulting information. may be provided as Of course, when the delivery method is predetermined in the user's account, only pointing information corresponding to the delivery method may be maintained.

The consulting information provided to the user (user terminal 200) by the computing system 100 may be information on the target quantity. For example, when a sell request is input from the user, information such as whether the target quantity is included in the selling quantity requested for sale or that it corresponds to the target quantity from a few weeks later may be information on the target quantity.

According to an embodiment, the consulting information may include information on a shipping transaction method that it is advantageous to perform a shipment transaction in a specific way for the user based on the determined target quantity information. That is, as described above, the consulting information may include information to perform a transfer to another account, transfer to another account, or transfer to another person's account for all or part of the quantity as described above. Of course, the consulting information may further include information to sell for a certain quantity before or after the shipment transaction for the target quantity.

In addition, the computing system 100 does not necessarily provide the consulting information only when the user expresses his/her intention to sell a specific stock (eg, input a sell order, etc.). For example, the computing system 100 may preemptively provide information indicating that the specific stock corresponds to the target amount from the current selling quantity or after several weeks of selling, regardless of the intention to sell the specific stock.

7 is a view for explaining a method of providing consulting information that can be provided to a user according to an embodiment of the present invention.

7 is a view for explaining an example of providing consulting information when a user requests to sell a specific stock. As shown in FIG. 7 , the user may perform a sell request for a specific stock included in his/her specific account. Such a sale request may be a case in which an input (eg, through 11) for the sale quantity of a specific stock is performed through at least a predetermined selling means (eg, HTS, MTS, or a web page, etc., 10). Of course, depending on the embodiment, when a sell order (eg, through 13) is performed, it may be determined that a sell request has been made. However, when a sell order is output, a sell order may be executed immediately, so when an input for a sell quantity is performed or a price (eg, through 12) is specified, the computing system 100 can provide consulting information. .

Then, the computing system 100 may specify acquisition information corresponding to the selling quantity based on the user's stock transaction history information for the specific stock. The acquisition information may include information on the acquisition price of stocks corresponding to the selling quantity or the type of stock transaction. Of course, as described above, the entire sale quantity may not be treated as acquired by the same acquisition price or the same warehousing transaction. .

Then, based on the specific acquisition information, the computing system 100 provides information on the target quantity, which is at least a part of the selling quantity, or an outgoing transaction other than selling for the target quantity (eg, transfer or replacement to another account). ) can be provided to the user by generating consulting information including information suggesting.

When the target quantity is sold, the acquisition price is lower than the other specific stocks included in the specific account by a predetermined standard (for example, if the specific stock is lower than the average acquisition price of all stocks by a certain percentage or before the stock transaction corresponding to the target quantity) Or, if the acquisition price is lower than the average acquisition price of a predetermined number of future stock transactions, etc.) The quantity may be the same as described above.

The consulting information (eg, 20) is, for example, as shown in FIG. 7 , when the user inputs the selling quantity as 10,000 shares, the first 5,000 shares sold out of the 10,000 shares do not correspond to the target quantity, but the remaining 5,000 shares are the target quantity Therefore, it may be information to perform an outgoing transaction (eg, account replacement, transfer, etc.) other than selling for the target quantity. Of course, the consulting information may simply include information that the first 5,000 shares sold out of the 10,000 shares sold do not correspond to the target quantity, but the remaining 5,000 shares correspond to the target quantity. Of course, depending on the embodiment, the consulting information includes information on transfer gains (or transfer tax) when simply selling the sales quantity and/or information on transfer gains (or transfer tax) when consulting information is performed. It may include more.

In this way, when a user wants to sell, the user's profit can be greatly increased by providing consulting information in real time and preemptively.

To this end, all or part of the computing system 100 is installed in the user terminal 200 , or all or part of the system 300 is installed in the securities company so that information on the selling quantity can be checked. Also, as described above, of course, the computing system 100 may obtain the user's account ledger information directly or indirectly from a securities company.

On the other hand, in order to generate such consulting information, the computing system 100 must be able to confirm whether the quantity corresponding to the shipment is the quantity corresponding to which warehousing transaction when shipment (eg, transfer, replacement, or sale) is performed. The acquisition information may be acquired.

To this end, the computing system 100 may maintain predetermined pointing information. The pointing information may be information for determining whether a stock (or from which quantity among the stock quantity of a specific warehousing transaction) by a certain warehousing transaction can be treated as being sold when the current sale starts. For example, although an example in which such pointing information is maintained through an index in FIG. 3 is also described, it is not necessarily limited thereto.

If such pointing information is maintained, the target quantity can be determined very quickly.

In addition, as described above, in the case of an account in which the shipment order method is not determined, the computing system 100 points to each of the first discharge method (eg, first-in, first-out) and the second discharge method (eg, last-in, first-out). information can be kept together. In addition, it is possible to determine the target quantity according to each pointing information, and provide consulting information including information on the target quantity. Of course, once the delivery method is determined, after that, only one pointing information according to the delivery method can be maintained/managed.

In FIGS. 8 and 9 , an example of using the pointing information for determining the quantity corresponding to which warehousing transaction the outgoing quantity corresponds to in order to specify the acquisition information for each outgoing quantity of the outgoing transaction will be described.

FIG. 8 is a view for explaining a method for determining which stocks by which stock transaction the amount of stocks to be sold in advance according to an embodiment of the present invention can be determined, and FIG. 9 is another embodiment of the present invention This is a diagram to explain the method by which the number of stocks to be sold in advance can be determined according to which stock transaction.

Referring first to FIG. 8A , information on transaction details for a specific stock in a specific account of a user may be the same as FIG. 8A . And here, the target quantity is assumed to exist only for free capital increase, that is, transaction c with an acquisition price of 0 won.

In this case, the first pointing information according to the first retrieval method (eg, first-in-first-out method) may be maintained/managed as illustrated in FIG. 8b .

The first pointing information p1 may be information including information on which stocks are to be sold when the current selling is performed by a predetermined quantity. In order to maintain/manage this first pointing information p1, information on the stock quantity, stock type, price, etc. for each stock transaction in chronological order is acquired from the stock transaction ledger information and is maintained through a predetermined data structure. can be

In Fig. 8a, only the stock transaction was performed until the transactions a, b, c, and d, and in the case of the first shipping method, the first pointing information after the stock transaction (purchase 500 shares, 1,100 won) of d is performed is shown in Fig. 8b (t4) ) may be as shown in Fig. That is, since the outgoing transaction has never been performed, the information indicating the initial quantity of the stocking transaction (eg, a) performed first may be the first pointing information p1.

In Figure 8b, the stock quantity of each stock transaction is displayed as a figure (for example, 21 to 24) representing the warehousing transaction by a length corresponding to the quantity of each warehousing transaction. If this is mapped to the x-axis, the endpoint of the first figure 21 representing the warehousing transaction a corresponds to 10,000, the endpoint of the second figure 22 representing the warehousing transaction b corresponds to 15,000, and the first figure representing the warehousing transaction c corresponds to 15,000. It can be easily seen that the endpoint of the third figure 23 corresponds to 22,500, and the endpoint of the fourth figure 24 representing the warehousing transaction d is mapped to a position corresponding to 23,000.

If a sell transaction (e) is performed after that, it can be treated as sold sequentially from the quantity indicated by the current first pointing information (p1) to the selling quantity (10,000 shares) of the selling transaction (e). have. In such a case, the location of the first pointing information p1 may be changed as shown in FIG. 8B( t5 ). In addition, the quantity treated as already sold is the quantity that has been matched, and the computing system 100 may manage information separately. In FIG. 8B , the matching quantity is indicated by hatching.

After that, when the purchase transaction (f) is performed, since it is a stock transaction, the position of the current first pointing information p1 is not changed, and the stock quantity corresponding to the purchase transaction (f) is additionally shown in Fig. 8b (t6) ) can be maintained as shown in

If the sell transaction (g) is performed after that, it can be treated as sold sequentially from the quantity indicated by the current first pointing information (p1) to the selling quantity (10,000 shares) of the selling transaction (g). have. In such a case, if the selling quantity (10,000 shares) is treated as sequentially sold from the current first pointing information (p1), in addition to the quantity of the purchase transaction (b), 5,000 of the free capital increase transaction (7,500) shares are additionally sold 10,000 shares May be matched by state. That is, the quantity of the warehousing transaction (c), which is a warehousing transaction corresponding to the target quantity, is matched with the selling quantity. In this case, the computing system 100 may provide consulting information as described above. For example, if the selling transaction is carried out, 5,000 shares out of 10,000 shares to be sold are the target quantity (i.e., the quantity for free capital increase) or consulting information to sell only 5,000 shares and release all or part of the 7,500 shares to another account. can

Accordingly, the user may perform a shipment transaction according to the consulting information, or may simply perform a sell transaction (g) as originally intended while ignoring the consulting information. In the latter case, the position of the first pointing information p1 may be changed as shown in FIG. 8B (t7).

After that, when the sell transaction (h) is performed again, the first pointing information p1 may be changed as shown in FIG. 8B(t8).

In the end, the technical idea of the present invention is to maintain/manage such pointing information, so that when a user wants to sell stocks or there is a possibility that the target quantity is preemptively released without an intention to sell stocks, consulting information can be provided. .

Meanwhile, FIG. 9 schematically illustrates the concept of maintaining and managing the second pointing information p2 in the case of the second shipping method (eg, last-in, first-out).

Only information on the stock quantity is maintained until the stocking transactions (a, b, c, d), and the location of the second pointing information p2 after each stocking transaction may exist at the last position of the stocking quantity. This case may be schematically shown in FIG. 9(t4). Of course, the second pointing information p2 is located at the end point of the figure 21 corresponding to the warehousing transaction a when only the warehousing transaction a is performed, and is a figure corresponding to the warehousing transaction b when the warehousing transaction b is performed. The position is changed to the terminal point of (22), and when the warehousing transaction c is performed, the position is sequentially changed to the terminal point of the figure 23 corresponding to the warehousing transaction c, and after the warehousing transaction d is performed, FIG. 9 (t4) ) may have been changed to a location as shown in Fig.

Then, when the outgoing transaction (e) is performed, as much as the selling quantity (10,000 shares) of the outgoing transaction (e) is matched with the stocking quantity matching the outgoing transaction (e) in the reverse order from the second pointing information (p2). In this case, as shown in Fig. 9 (t5), the quantity of the stock transaction (c) corresponding to the target quantity is included in the matching quantity. Then, the computing system 100 may generate and provide the consulting information as described above to the user. 9 illustrates the maintenance of the second pointing information p2 in the case of not performing a shipment transaction other than selling for the target quantity according to the consulting information. It goes without saying that the position of the second pointing information may be changed differently from FIG. 9 when .

After the purchase transaction (f) is performed, the second pointing information (p2) may be changed to a position corresponding to the last stocked quantity for which matching is not completed. In this case, the position of the second pointing information (p2) is shown in Fig. It can be changed as shown in 9(t6).

And when the selling transaction (g) is performed, the computing system 100 may match the stocked quantity equal to the selling quantity in the reverse order from the current second pointing information p2. In this case, the quantity that has already been matched may be skipped and the stocked quantity corresponding to the sold quantity may be matched with the stocked quantity corresponding to the corresponding selling transaction. In this case, as shown in Fig. 9 (t7), the matching of the stocked quantities is performed, and the second pointing information p2 is changed to the location of the last unmatched stocked quantity.

Afterwards, when a sell transaction (h) is performed, in the reverse order from the position of the current second pointing information (p2), the selling amount of the corresponding selling transaction (h) may be matched with the corresponding stocking amount, and in such a case, the 9(t8).

After all, by maintaining such pointing information, the target quantity can be easily grasped at any time even if the user has no request for sale, and accordingly, effective consulting information can be provided.

Meanwhile, according to an embodiment, the computing system 100 may include a processor and a memory for storing a program executed by the processor. The processor may include a single-core CPU or a multi-core CPU. The memory may include high-speed random access memory and may include non-volatile memory such as one or more magnetic disk storage devices, flash memory devices, or other non-volatile solid-state memory devices. Access to memory by the processor and other components may be controlled by a memory controller. Here, when the program is executed by a processor, the computing system 100 according to the present embodiment may perform the above-described method for providing consulting information.

On the other hand, the above-described consulting information providing method according to an embodiment of the present invention may be implemented in the form of a computer readable program command and stored in a computer readable recording medium, and the control program and The target program may also be stored in a computer-readable recording medium. The computer-readable recording medium includes all types of recording devices in which data readable by a computer system is stored.

The program instructions recorded on the recording medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the software field.

Examples of the computer-readable recording medium include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and floppy disks, and hardware devices specially configured to store and execute program instructions, such as magneto-optical media and ROM, RAM, flash memory, and the like. In addition, the computer-readable recording medium is distributed in network-connected computer systems, and computer-readable codes can be stored and executed in a distributed manner.

Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by an apparatus for electronically processing information using an interpreter or the like, for example, a computer.

The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

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

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

Claims (10)

In the method of providing consulting information,
checking, by the computing system, a selling quantity corresponding to the selling request when there is a selling request for a specific stock included in the user's specific account;
Acquisition information for each selling quantity corresponding to the selling quantity based on the user's stock transaction history information for the specific stock by the computing system - The acquisition information for each selling quantity is the acquisition price or type of stock transaction corresponding to the selling quantity Including, according to the shipping order selection method corresponding to the account, specifying - including the acquisition information for each partial quantity included in the selling quantity when the sold quantity does not correspond to one stock transaction;
Target quantity, which is a quantity of at least a part of the selling quantity based on the acquisition information for each selling quantity specified by the computing system and the shipping order selection method - When the target quantity is sold, the acquisition price is included in the specific account Including information about a quantity that is set low to meet a predetermined standard compared to a specific stock, or a quantity that is treated as acquired by a predetermined type of stock, or information proposing an outgoing transaction other than a sale for the target quantity providing consulting information;
The method of providing the consulting information is,
The method further comprising the step of maintaining, by the computing system, pointing information for confirming that the quantity of sale of the sale corresponds to which warehousing transaction when the sale of the specific stock is performed in the specific account;
Consulting information providing method, characterized in that the acquisition information for each selling quantity is specified based on the pointing information.
delete The method of claim 1, wherein maintaining the pointing information comprises:
If the shipment order method corresponding to the account is determined, the pointing information according to the determined shipment order method is maintained,
When the shipment order method corresponding to the account is undetermined, the consulting information providing method, characterized in that the first and second pointing information corresponding to the first shipment order method and the second shipment order method are maintained, respectively.
According to claim 1, wherein the step of providing the consulting information,
Consulting information providing method comprising the step of providing consulting information suggesting shipment to another account of the user or an account other than the user with respect to the target quantity.
delete A computer-readable recording medium recording a program for performing the method according to any one of claims 1, 3, or 4.
A computing system comprising:
processor;
It includes a memory that stores the program,
A computing system, wherein the program, when executed by the processor, causes the computing system to perform the method according to claim 1 , 3 , or 4 .
a confirmation module for confirming a sale quantity corresponding to the sale request when there is a sale request for a specific stock included in the user's specific account;
Acquisition information for each selling quantity corresponding to the selling quantity based on the user's stock transaction history information for the specific stock - The acquisition information for each selling quantity includes an acquisition price corresponding to the selling quantity or a type of stock transaction, a specific module for specifying, including acquisition information for each partial quantity included in the selling quantity, when the selling quantity does not correspond to one warehousing transaction according to the shipping order selection method corresponding to the account; and
Acquisition information for each selling quantity is calculated based on the specific acquisition information and a shipping order selection method corresponding to the account - The acquisition information for each selling quantity corresponds to one stock transaction in which the selling quantity according to the shipping order selection method If not, including acquisition information for each partial quantity included in the sold quantity - and a target quantity that is a quantity of at least a part of the sold quantity - the target quantity is the other said Including information about a quantity that is set low to meet a predetermined standard compared to a specific stock, or a quantity that is treated as acquired by a predetermined type of stock, or information proposing an outgoing transaction other than a sale for the target quantity Includes a consulting module for providing consulting information,
The specific module is
When the sale of the specific stock is performed in the specific account, pointing information is maintained for confirming the quantity corresponding to which stock transaction the selling quantity of the selling is, and based on the maintained pointing information, each sold quantity A computing system that specifies acquisition information.


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