TWI745124B - System and method for automatic loan of stock purchase - Google Patents

Abstract

The present invention relates to a system and method for automatic stock purchase loan. The main structure of the stock purchase automatic loan system includes a subscription setting module, a subscription decision module, an account balance judgment module, an automatic loan module, An automatic subscription execution module, a purchased list display interface, at least one purchased stock, an automatic sales module, and an automatic repayment module. With the above structure, when the account balance judging module judges that the user’s account balance is insufficient, the automatic loan module will automatically apply for a loan from the bank so that the automatic subscription execution module executes the automatic subscription operation of stocks, thereby, when using When the account balance is insufficient, funds can be obtained automatically and quickly, and the automatic subscription execution module can be used to automatically subscribe for stocks.

Description

System and method for automatic loan of stock purchase

The present invention is to provide a system and method for automatic stock purchase loan, in particular to a system and method for automatic stock purchase loan that can automatically and quickly obtain funds when the account balance is insufficient, so that the system can execute automatic stock purchase.

According to this, if a company needs funds in the course of its operations, it can choose to "list or go to the OTC" to raise funds. This action is called Initial Public Offerings (IPO), and investors are The above-mentioned IPO shares can be subscribed for through the stock exchange through "stock subscription".

If the subscription quantity exceeds the sales quantity, the stock exchange will adopt a lottery method for allotment. For each public subscription lottery, the applicant can only apply to one securities broker, and the subscription is limited to one. Whether it’s going public or increasing capital, there must be a price difference to attract investors to purchase. Therefore, securities underwriters will set an underwriting price lower than the market price to open investors to purchase, so as to attract more people to join the ranks of "stock subscription" .

However, during the above-mentioned stock purchase process, when users find high-profitable stocks and want to purchase them, the problem of insufficient account balance often occurs. If the user is currently borrowing from relatives and friends, or manually applying for a loan from the bank , All have to wait a long time to obtain sufficient funds to subscribe for stocks, often after obtaining the funds, the subscription period for the stocks that can be subscribed for has already passed, and a good opportunity to make money has been lost.

Therefore, how to solve the above-mentioned conventional problems and deficiencies is the direction that the applicant of the present invention and the related manufacturers engaged in this industry urgently want to study and improve.

Therefore, in view of the above-mentioned deficiencies, the applicant of the present invention collected relevant information, evaluated and considered from many parties, and based on the accumulated years of experience in this industry, through continuous trials and revisions, he designed such a method to ensure that the account balance is insufficient. Obtain funds automatically and quickly to facilitate the system to implement the automatic stock purchase system and method of the invention patent of the stock purchase automatic loan.

The main purpose of the present invention is to judge whether the user's account balance is sufficient through the account balance judgment module, and automatically apply for a loan from the bank through the automatic loan module, so that the user can automatically and quickly obtain funds when the account balance is insufficient.

Another main purpose of the present invention is to achieve the purpose of automatic stock subscription through the cooperation of the subscription setting module, the subscription decision module and the automatic subscription execution module.

To achieve the above purpose, the main structure of the stock purchase automatic loan system of the present invention includes: a subscription setting module, the subscription setting module information is linked to a subscription decision module, the subscription decision module information is linked to an account balance judgment module, and the account balance judgment The module information links an automatic loan module and an automatic subscription execution module, the automatic subscription execution module information links a purchased list display interface, the purchased list display interface information links an automatic sales module, and the account balance judgment module The group is also connected to an automatic repayment module.

Through the above structure, the user enters the stock purchase automatic loan system, and enters the conditions for automatic stock purchase in the purchase setting module, and the purchase decision module will determine whether there are eligible stocks that can be purchased. If the stock meets the conditions, this information will be sent to the account balance judgment module. The account balance judgment module will judge the user’s account balance. If the judgment result is that the user’s account balance is insufficient, the judgment result will be sent to the automatic loan application In the module, the automatic loan application module will automatically apply for a loan to the bank.

After the application is successful, the account balance determination module will reconfirm whether the user’s account balance is sufficient. After confirming that the balance is sufficient, it will notify the automatic subscription execution module to enable the automatic subscription execution module to execute the automatic subscription of stocks. Operation, the successfully subscribed stocks will become subscribed stocks and displayed in the purchased list display interface. At this time, the user can enter the automatic sales module and set the conditions for the automatic sale of the subscribed stocks. After the sales are completed , The account balance judgment module will judge the balance of the user account again, and send the judgment result to the automatic repayment module to make the automatic repayment module Decide whether to automatically apply for repayment from the bank.

With the above-mentioned technology, it is possible to overcome the problem of insufficient balance in the subscription process of conventional stocks and inability to obtain funds immediately, which may lead to overtime for the subscription of stocks, and achieve the practical progress of the above-mentioned advantages.

100, 100a: Stock purchase automatic loan system

200, 200a: electronic device

1. 1a: Subscription setting module

2: Subscription decision module

3: Account balance judgment module

4. 4a: Automatic loan module

41a: Loan Actuarial Unit

5. 5a: Automatic subscription execution module

51, 51a: Display interface of the purchased list

511, 511a: purchased shares

52a: Display interface for purchase list

521a: Subscribing to stocks

6: Automatic vending module

7: Automatic repayment module

8a: Notification module

9a: Database of available stocks

91a: shares available for purchase

The first figure is a block diagram of a preferred embodiment of the present invention.

The second figure is a flowchart of the steps of the preferred embodiment of the present invention.

The third figure is a block flow diagram of the preferred embodiment of the present invention.

The fourth figure is a schematic diagram of the configuration of the preferred embodiment of the present invention.

The fifth figure is a schematic diagram of the balance judgment of the preferred embodiment of the present invention.

The sixth figure is a schematic diagram of the automatic loan of the preferred embodiment of the present invention.

The seventh figure is a schematic diagram of the subscribed list of the preferred embodiment of the present invention.

The eighth figure is a schematic diagram of the sales of the preferred embodiment of the present invention.

The ninth figure is a schematic diagram of the automatic repayment of the preferred embodiment of the present invention.

The tenth figure is a block diagram of another preferred embodiment of the present invention.

Figure 11 is a schematic view of another preferred embodiment of the present invention.

Figure 12 is a schematic diagram of a notification of yet another preferred embodiment of the present invention.

Figure 13 is a schematic diagram of the subscribed list of another preferred embodiment of the present invention.

In order to achieve the above-mentioned purposes and effects, the technical means and structure adopted by the present invention are illustrated in detail below to illustrate the characteristics and functions of the preferred embodiments of the present invention, so as to fully understand.

Please refer to the first to ninth figures, which are the structural block diagram to the automatic repayment diagram of the preferred embodiment of the present invention. From the figures, it can be clearly seen that the stock purchase automatic loan system 100 of the present invention includes:

1. Subscription setting module 1, for users to enter the conditions for automatic stock subscription;

1. Subscription decision module 2, the information of the subscription decision module 2 is linked to the subscription setting module 1, for determining whether the stocks that can be subscribed meet the subscription conditions entered by the user;

An account balance judging module 3, the account balance judging module 3 information is linked to the subscription decision module 2, for receiving the decision result of the subscription decision module 2, and judging whether the user's account balance is sufficient for stock subscription;

An automatic loan module 4, the information of the automatic loan module 4 is linked to the account balance judgment module 3, which automatically submits a loan application to the bank;

An automatic subscription execution module 5, the information of the automatic subscription execution module 5 is linked to the account balance judgment module 3 for receiving the judgment result of the account balance judgment module 3 to perform the automatic subscription operation;

A purchased list display interface 51, the information of the purchased list display interface 51 is linked to the automatic subscription execution module 5, and the purchased list display interface 51 is for displaying at least one subscribed stock 511;

An automatic vending module 6 whose information is linked to the purchased list display interface 51 for the user to set the conditions for automatic stock vending; and

An automatic repayment module 7 whose information is linked to the account balance judgment module 3 for receiving the judgment result of the account balance judgment module 3 and automatically apply to the bank for repayment.

Through the above description, we can understand the structure of this technology, and according to the corresponding cooperation of this structure, when the user account balance is insufficient, funds can be obtained automatically and quickly, and the system can execute the operation of automatic stock purchase. The explanation will be explained below.

The method for using the stock purchase automatic loan system 100 of the present invention includes the following steps:

(a) Subscription condition setting: the user logs in a stock purchase automatic loan system, and enters the conditions for automatic stock purchase in a subscription setting module, and the subscription setting module will send the condition message to a subscription decision module middle;

(b) Subscription decision: The subscription decision module determines whether there are stocks eligible for subscription according to the conditions entered by the user, and transmits the decision result to an account balance judgment module;

(c) Account balance judgment: The account balance judgment module is based on the shares that the user wants to subscribe for Ticket price, judge whether the user’s account balance is sufficient, and send the judgment result to an automatic loan module;

(d) Automatic loan: The automatic loan module submits a loan application to the bank so that an automatic subscription execution module can perform the operation of automatic stock subscription;

(e) Display of successful subscription: at least one subscribed stock will be displayed in a display interface of the purchased list for users to view;

(f) Automatic vending: the user sets the conditions for the automatic vending of stocks in an automatic vending module; and

(g) Automatic repayment: After the stock is sold successfully, the account balance judgment module will judge the balance of the user's account again, and send the judgment result to an automatic repayment module, which will then Automatically apply for repayment from the bank.

Through the above structure and steps, the user first logs into the stock purchase automatic loan system 100 from an electronic device 200, and enters the conditions for the automatic stock purchase in the purchase setting module 1 (shown as "automatic purchase conditions" in the fourth figure). In the embodiment, the electronic device 200 takes a mobile phone as an example, and there are two conditions for automatically subscribing to stocks. One is that the user can input when the price difference between the subscription price and the market price of the stocks available for subscription is greater than or equal to a certain value (section The fourth picture is represented by "spread> 5000"), then the purchase procedure of the available stock is carried out. On the other hand, the user can input when the price difference between the purchase price and the market price of the available stock is greater than or equal to a certain value (fourth The picture shows "spread ratio>10%"), then the purchase procedure for the available stocks is carried out. The above-mentioned automatic purchase conditions are only examples, and no restrictions are imposed.

After the user has entered the conditions for automatically subscribing for stocks, the purchase decision module 2 will compare and calculate the price difference of the stocks that can be subscribed according to the above conditions, and confirm whether there are currently eligible stocks that can be subscribed for. When the subscription decision module 2 finds the eligible stocks, it will transmit the information to the account balance judging module 3. The account balance judging module 3 then judges the balance of the user’s account and judges whether it has sufficient funds Subscribing to the subscribeable stock, and when the judgment result is that the account balance is insufficient, the judgment result is sent to the automatic loan module 4. In the fifth figure, "Account-Subscribe for Stocks" is used to display the user's account and the current stocks to be subscribed for. "Name, A, Price, 43000" refers to the stock named A which meets the subscription conditions and the price is 43,000 yuan , "Balance: 38000" means that the user's account balance has 38000 yuan, "Insufficient balance" means that the account balance is judged The judgment result of module 3. The fifth picture shows that the purchase decision module 2 has found the A stock that meets the conditions, and its price is 43,000 yuan, but there is only 38,000 yuan left in the user account, so the account balance judgment module 3 gives the "Insufficient balance" critical result.

Then, the automatic loan module 4 (indicated by "loan" in the sixth figure) will automatically apply to the bank for a loan (in the sixth figure, "have applied for a loan of 5,000 yuan from the bank on 4/10!" to indicate receipt of loan confirmation As the account balance judging module 3 judges that the balance is insufficient, it drives the automatic loan module 4 to automatically apply to the bank for a loan of the difference, that is, a loan of 43000-38000=5000 yuan, and immediately send it to the user after the payment is credited Notification), after the application is successful, the loan will enter the user’s account. At this time, the account balance judgment module 3 will judge the user’s account balance again. When the judgment result is that the funds are sufficient, the judgment result will be sent to the automatic In the subscription execution module 5, the automatic subscription execution module 5 will automatically execute the lottery stock subscription operation to the stock exchange.

When the user successfully subscribes and means to win the lottery, the above-mentioned subscribeable stocks will be transformed into subscribed stocks 511 (the seventh picture is marked with "Name", "A", "Sale Date", "4/10", "Zhang "Number" and "2") and displayed in the purchased list display interface 51 (the seventh picture is represented by "Successfully purchased stocks"), so that the user can conveniently view all the purchased stocks currently owned, and if used If you want to sell the subscribed stock 511 (the eighth picture is represented by "name", "A", "number of sold sheets" and "2"), enter the automatic vending module 6 to set it, such as the eighth As shown in the figure, the automatic vending module 6 of this embodiment has four selling conditions to choose from, including: next day sale, fixed date sale (indicated by "5/2 sale"), and what is the price difference Sell (indicated by "spread>＿＿sell") and when the spread ratio is (indicated by "spread ratio>＿＿sell"), but the above selling condition options are only examples, and no restrictions are imposed. In this way, the different sales needs of users can be met.

When the automatic vending module 6 successfully sells the purchased stock 511 and the funds have entered the user’s account, the account balance judgment module 3 will again determine the balance of the user’s account to confirm that the user currently has Whether the funds are sufficient for repayment, when the judgment result is that the funds are sufficient, the information is sent to the automatic repayment module 7, and the automatic repayment module 7 will automatically apply for repayment to the bank, and then achieve the automatic repayment The purpose of the paragraph. In the ninth figure, "Account-Sales" is used to display the user's account interface. "Name, A, price, 50000, sale date, 4/17" refers to the sale price and sale of the stock named A Date, "Balance: 50000" refers to the user account balance, "Balance is sufficient, automatic "Repayment" is the judgment result of the account balance judgment module 3. The ninth figure shows that the account balance judging module 3 judges that the user’s account has a balance of 50,000 yuan, which is enough to repay the above-mentioned 5,000 yuan loan, so it drives the automatic repayment module 7 to automatically apply for repayment to the bank and remit the money to Achieve automatic repayment.

As mentioned above, the stock purchase automatic loan system 100 of the present invention enables stock purchase, loan, sale, and repayment to be carried out in an automated manner. In this way, when the user's account balance is insufficient, it can be obtained automatically and quickly Funds to subscribe for stocks, and execute stock subscription operations through the automatic subscription execution module 5, and automatically repay immediately after the spread of stock sales is obtained, thereby improving the convenience of overall stock subscription and avoiding the account balance when you want to subscribe for stocks Insufficient, resulting in the failure to subscribe.

Please also refer to Figures 10 to 13 at the same time, which are the structural block diagram of another preferred embodiment of the present invention to the schematic diagram of the purchase list. When the above components are assembled, it can be clearly seen from the figure. This embodiment is similar to the above-mentioned embodiment. In this embodiment, the automatic subscription execution module 5a information links a notification module 8a and a subscription list display interface 52a. The subscription list display interface 52a is for displaying at least one subscription in progress. Stocks 521a, and the automatic loan module 4a has a loan actuarial unit 41a. In addition, the subscription setting module 1a information links to a subscription-available stock database 9a. The subscription-available stock database 9a is for displaying multiple subscription-available stocks 91a.

In addition, the user can view the subscribeable stock 91a in the subscribeable stock database 9a (indicated by "subscribeable stocks" in the eleventh figure). The subscribeable stock database 9a in this embodiment shows the subscribeable stock 91a. The name (indicated by "B, C, D, E" in the eleventh picture), price, number of tickets, subscription date, and subscription button. When the user wants to manually subscribe to the stock, he can click directly Select the above-mentioned subscription button to subscribe, so that the present invention generates more diversified stock subscription methods.

Through the structure of the notification module 8a, when the user's subscription for stocks is successfully signed, not only will the purchased stocks 511a be displayed in the purchased list display interface 51a, but also a notification of successful subscription will be displayed in the electronic device 200a (tenth The second picture is represented by the notification message "The A stock you subscribed on 4/10 has been signed!"), so that users can get information about the successful subscription in the first time, and they don't need to open the stocks all the time. The automatic loan application system 100a pays attention to whether the application has been successfully applied.

Through the structure of the above-mentioned subscription list display interface 52a (shown as "subscribed stocks" in the 13th figure), users can view the subscribed stocks 521a that have just been applied for and have not yet announced whether they have been successfully subscribed, so that users can quickly browse the subscribed stocks 521a, to enhance the convenience of overall use. The thirteenth figure shows the name of the stock 521a under subscription (indicated by "B, C, D, E") and the subscription date (indicated by "4/11, 4/11, 4/12, 4/15") And the number of sheets (indicated by "2, 2, 3, 1").

Through the structure of the above-mentioned loan actuarial unit 41a, the automatic loan module 4a not only helps users automatically apply for loans from banks, but also compares and performs calculations based on data such as interest, loan amount, loan days, and the shortest number of days to be drawn. This helps users to select the most suitable lending bank at the moment and execute the loan procedure with the greatest benefit.

However, the above description is only the preferred embodiments of the present invention, which does not limit the patent scope of the present invention. Therefore, all simple modifications and equivalent structural changes made by using the description and drawings of the present invention should be the same. It is included in the scope of the patent of the present invention, and is hereby stated.

Therefore, the system and method for automatic loan purchase of stocks of the present invention can improve the conventional technology. The key lies in:

First, the account balance judging module 3 judges whether the user's account balance is sufficient, and the automatic loan module 4 automatically applies for a loan from the bank, so that the user can automatically and quickly obtain funds when the account balance is insufficient.

Second, the automatic vending module 6 and the automatic repayment module 7 cooperate with each other to execute the automatic vending after the stock is automatically purchased, and use the funds obtained after the vending for the automatic repayment, so that the present invention can be automated It implements coherent procedures such as subscription, sales, and repayment to enhance the smoothness of the overall stock subscription process.

Third, through the cooperation of the subscription setting module 1, the subscription decision module 2 and the automatic subscription execution module 5, the purpose of automatic stock subscription is achieved.

Fourth, through the structure of the notification module 8a, the user can obtain the news of the successful stock purchase in the first time.

Fifth, through the structure of the loan actuarial unit 41a, users can maximize the benefits of the borrowed money.

Sixth, through the structure of the subscribeable stock database 9a, users can also manually The way to apply for stocks in order to improve the functionality of the stock purchase automatic loan system 100a.

Seventh, through the structure of the subscription list display interface 52a, it is convenient for the user to quickly browse the currently subscribed stocks 521a, thereby enhancing the convenience of the overall operation.

In summary, the system and method for automatic stock purchase loans of the present invention can indeed achieve its effects and purposes when used. Therefore, the present invention is an invention with excellent practicability and meets the requirements of an invention patent application. Yan filed an application in accordance with the law, and I hope the review committee will approve the invention as soon as possible to protect the applicant's hard research and development. If the review committee of the Bureau has any doubts, please send us instructions and the applicant will do our best to cooperate.

100: Stock purchase automatic loan system

1: Subscription setting module

2: Subscription decision module

3: Account balance judgment module

4: Automatic loan module

5: Automatic subscription execution module

51: Purchased list display interface

511: Purchased shares

6: Automatic vending module

7: Automatic repayment module

Claims (10)

A stock purchase automatic loan system, the stock purchase automatic loan system mainly includes: 1. Subscription setting module for users to enter the conditions for automatic stock subscription; 1. A subscription decision module, the subscription decision module information is linked to the subscription setting module for judging whether the stocks that can be subscribed meet the subscription conditions entered by the user; An account balance judging module, the account balance judging module information is linked to the subscription decision module for receiving the decision result of the subscription decision module and determining whether the user's account balance is sufficient for stock subscription; An automatic loan module, the automatic loan module information is linked to the account balance judgment module, which automatically applies for a loan to the bank; An automatic subscription execution module, the information of the automatic subscription execution module is linked to the account balance judgment module for receiving the judgment result of the account balance judgment module to execute the automatic subscription operation; A purchased list display interface, the purchased list display interface information is linked to the automatic subscription execution module, and the purchased list display interface is for displaying at least one subscribed stock; An automatic vending module whose information is linked to the purchased list display interface for users to set the conditions for automatic stock vending; and An automatic repayment module, the automatic repayment module information is linked to the account balance judgment module, for receiving the judgment result of the account balance judgment module, and automatically apply for repayment to the bank. For example, the stock purchase automatic loan system described in the first item of the scope of patent application, wherein the automatic purchase execution module information is linked to a notification module to notify the user when the stock is successfully purchased. For example, the stock purchase automatic loan system described in item 1 of the scope of patent application, wherein the automatic loan module has a loan actuarial unit. For example, the stock purchase automatic loan system described in item 1 of the scope of patent application, where the subscription setting module information is linked to a database of available stocks, and the database of available stocks displays multiple available stocks for users to view . For example, the stock purchase automatic loan system described in the first item of the scope of patent application, wherein the automatic purchase execution module information is linked to a purchase list display interface, and the purchase list display interface is for displaying at least one subscribed stock. A method of using the stock purchase automatic loan system, the steps include: (a) The user logs into a stock purchase automatic loan system, and enters the conditions for automatic stock purchase in a subscription setting module, and the subscription setting module will send the condition information to a subscription decision module; (b) The subscription decision module judges whether there are stocks eligible for subscription according to the conditions entered by the user, and transmits the decision result to an account balance judgment module; (c) The account balance judgment module judges whether the user's account balance is sufficient according to the stock price that the user wants to subscribe for, and transmits the judgment result to an automatic loan module; (d) The automatic loan module submits a loan application to the bank, so that an automatic subscription execution module executes the operation of automatically subscribing to stocks; (e) At least one purchased stock will be displayed in a purchased list display interface for users to view; (f) The user sets the conditions for automatic stock vending in an auto vending module; and (g) After the stock is sold successfully, the account balance judgment module will judge the balance of the user's account again, and send the judgment result to an automatic repayment module, which automatically applies to the bank Repayment. For example, in the method of using the stock purchase automatic loan system described in item 6 of the scope of patent application, the automatic purchase execution module information is linked to a notification module to notify the user when the stock is successfully purchased. As described in item 6 of the scope of patent application, the method of using the stock purchase automatic loan system, wherein the automatic loan module has a loan actuarial unit. For example, the method of using the stock purchase automatic loan system described in item 6 of the scope of patent application, where the subscription setting module information is linked to a database of available stocks, and the database of available stocks displays multiple available stocks for use Viewer. For example, the method of using the stock purchase automatic loan system described in the scope of patent application, wherein the automatic purchase execution module information is linked to a purchase list display interface, and the purchase list display interface is for displaying at least one stock under purchase.

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