TWI635453B - Point-to-point financial product trading method - Google Patents

Abstract

A point-to-point method for buying and selling financial products, comprising: providing a trading interface; receiving a selling instruction, wherein the selling instruction is from the first counterparty device; updating the trading interface according to the selling instruction and displaying a selling transaction demand area, The selling transaction demand area includes a selling transaction triggering area; receiving a buying instruction transmitted by the second transaction party device by selling the transaction triggering area; updating the trading interface and the database according to the buying instruction, and forming A transaction information; and the transfer of transaction information to the collection center.

Description

Point-to-point financial products trading method

The present invention relates to a method for buying and selling financial products in a point-to-point manner; in particular, a method for buying and selling point-to-point financial products that allows investors to directly conduct financial commodity transactions with each other.

In modern society, there are many financial commodities (such as stocks or bonds) that investors can trade with each other to make a profit. In the case of buying and selling stocks, in the traditional online trading stock model, investors buy the stock trading software issued by the brokers to stock the stocks (such as stock names, trading prices or trading shares). Transfer to the broker's server and entrust the broker to conduct the transaction. The brokerage server will transmit the stock-related information entrusted by the transaction to the stock exchange, so that the matching computer of the stock exchange entrusts the transaction with other investors to make a reverse comparison and match.

However, the above-mentioned repeated comparison and matching process is full of uncertainty, sometimes waiting time is not short, it is inconvenient for investors, and the buying and selling decision cannot be made clear because of uncertainty.

Therefore, it is necessary to provide a new method of buying and selling financial products, which allows investors to directly and quickly trade each other's financial products.

The main object of the present invention is to provide a point-to-point financial product buying and selling method that enables investors to directly conduct financial commodity transactions with each other.

In order to achieve the above object, the point-to-point financial product trading method of the present invention is applied to a point-to-point financial commodity trading system. The point-to-point financial commodity trading system includes a processor, a network module and a database. The processor is electrically connected to the network module and the database, and the network module is electrically connected to the plurality of parties through a network. Installation and a collection center. The plurality of counterparty devices include a first counterparty device and a second counterparty device. The method for buying and selling a point-to-point financial product includes: providing a trading interface; receiving a selling instruction, wherein the selling instruction is from the first counterparty device; updating the trading interface according to the selling instruction and displaying a selling transaction demand area, wherein the selling The transaction demand area includes a selling transaction triggering area; receiving a buying instruction transmitted by the second transaction party device by selling the transaction triggering area; updating the trading interface and the database according to the buying instruction, and forming a transaction Information; and transfer of transaction information to the collection center.

According to a first embodiment of the present invention, the method for buying and selling a point-to-point financial product further comprises: transmitting the transaction information to the first transaction device and the second transaction device.

According to a first embodiment of the present invention, wherein the sell transaction demand zone comprises a quantity adjustment zone.

According to a first embodiment of the present invention, the step of receiving a purchase instruction transmitted by the second transaction party device by selling the transaction trigger zone further comprises: receiving the transaction trigger zone and the quantity adjustment zone A buy order and a quantity adjustment instruction transmitted by the second party device.

According to a first embodiment of the present invention, the step of updating the trading interface and the database according to the purchase instruction, and forming a transaction information further comprises: updating the trading interface and the database according to the buying instruction and the quantity adjustment instruction, and forming A transaction information.

According to a first embodiment of the present invention, the selling instruction includes a name of the financial item to be sold, a selling transaction price, and a quantity of the item.

According to the first embodiment of the present invention, the selling transaction demand area further includes a selling information display area, and the selling information display area displays the name of the financial product to be sold, the selling transaction price, and the quantity of the goods.

According to a first embodiment of the present invention, the selling transaction demand zone further includes a price adjustment zone.

In order to achieve the above object, another point-to-point financial product buying and selling method of the present invention is applied to a point-to-point financial commodity trading system. The point-to-point financial commodity trading system includes a processor, a network module and a database. The processor is electrically connected to the network module and the database, and the network module is electrically connected to the plurality of parties through a network. Installation and a collection center. The plurality of counterparty devices include a first counterparty device and a second counterparty device. The method for buying and selling a point-to-point financial product includes: providing a buying and selling interface; receiving a buying instruction, wherein the buying instruction is from the first counterparty device; updating the trading interface according to the buying instruction and displaying a buying transaction demand area, wherein the buying The transaction demand area includes a buy transaction trigger zone; receiving a sell order transmitted by the second counterparty device by buying the transaction trigger zone; updating the trading interface and the database according to the sell order, and forming a deal Information; and transfer of transaction information to the collection center.

According to a second embodiment of the present invention, wherein the buy transaction demand area includes a quantity adjustment area.

According to a second embodiment of the present invention, the step of receiving a sell order transmitted by the second transaction party device by buying the transaction trigger zone further comprises: receiving the transaction trigger zone and the quantity adjustment zone, and receiving the A sell order and a quantity adjustment command transmitted by the second party device.

According to a second embodiment of the present invention, the step of updating the trading interface and the database according to the selling instruction, and forming a transaction information further comprises: updating the trading interface and the database according to the selling instruction and the quantity adjustment instruction, and forming A transaction information.

According to a second embodiment of the present invention, the purchase order includes a name of the financial item to be bought, a purchase transaction price, and a quantity of the item.

According to a second embodiment of the present invention, the purchase transaction demand area further includes a purchase information display area, and the purchase information display area displays the name of the financial product to be purchased, the purchase transaction price, and the quantity of the goods.

According to a second embodiment of the present invention, the purchase transaction demand area further includes a price adjustment area.

In order to enable the reviewing committee to better understand the technical contents of the present invention, the preferred embodiments are described below.

Hereinafter, please refer to FIG. 1 to FIG. 12 together with the point-to-point financial product buying and selling method of the first embodiment of the present invention. 1 is a system architecture diagram of a point-to-point financial commodity trading system, a plurality of counterparty devices, and a collection center according to a first embodiment of the present invention; and FIG. 2 is a flowchart of a method for buying and selling a point-to-point financial product according to a first embodiment of the present invention. 3 is a schematic diagram of a login interface of a first embodiment of the present invention; FIG. 4 is a schematic diagram of a trading interface of a first embodiment of the present invention; and FIG. 5 is a transaction demand input area of a first embodiment of the present invention; FIG. 5 is a schematic diagram of another aspect of the trading interface of the first embodiment of the present invention; FIG. 6 is a schematic diagram of updating the trading interface according to the selling instruction according to the first embodiment of the present invention; A schematic diagram of updating a trading interface according to a purchase instruction in a first embodiment of the invention; FIG. 8 is a schematic diagram showing a stock record of the first transaction party device data before the transaction stored in the database of the first embodiment of the present invention; A schematic diagram of stock records of the first transaction party device data after the transaction stored in the database of the first embodiment of the present invention; FIG. 10 is a transaction stored in the database of the first embodiment of the present invention. Schematic diagram of the stock record of the former second transaction party device data; FIG. 11 is a schematic diagram of the stock record of the second transaction party device data stored in the database of the first embodiment of the present invention; FIG. 12 is a schematic diagram of the present invention. A schematic diagram of an instant transaction record stored in the database of the first embodiment.

In the first embodiment of the present invention, as shown in FIGS. 1 to 2, the point-to-point financial product buying and selling method of the present invention is applied to the point-to-point financial commodity trading system 1 so that plural users use plural trading parties. The devices perform peer-to-peer financial commodity transactions with each other; the financial commodity of the present invention is, for example, a stock, but it may be a bond or a futures. The point-to-point financial commodity buying and selling system 1 is electrically connected to a plurality of counterparty devices and a fortune center 900 through a network 100; the plurality of counterparty devices of the embodiment includes a first counterparty device 200 and a second party The device 300 can be an electronic device with a network connection function, such as a computer, a smart phone or a tablet computer. The transaction device can be electrically connected to the point-to-point financial commodity trading system 1 by the user. Do peer-to-peer financial commodity transactions with each other. The collection center 900 is a centralized securities depository and a short-term ticket collection, storage and settlement institution approved by a government financial institution, and can perform physical entity registration, centralized storage, and settlement of short-term tickets.

The point-to-point financial commodity trading system 1 of the present invention is, for example, a server, which includes a processor 10, a network module 20, a database 30, and a storage module 40. The processor 10 is, for example, a central processing unit (CPU), which is electrically connected to the network module 20, the database 30, and the storage module. The processor 10 is configured to control the network module 20 and the database 30. And a storage module 40. The network module 20 is electrically connected to the external network 100. The network module 20 can be electrically connected to the first transaction device 200, the second transaction device 300, and the collection center through the network 100. 900. The database 30 is configured to store transaction data, user data and user account passwords of the plurality of transaction party devices; in the present invention, the user of each transaction device device first needs to apply for an account to the point-to-point financial commodity purchase and sale system 1 And the password, and the user must enter the correct account password through the transaction device to successfully log in to the point-to-point financial commodity trading system 1 to use point-to-point financial products. However, the application process for applying for an account and password and logging into the system is Knowing the computer technology, and it is not the focus of this case, so I will not repeat it. The storage module 40 is, for example, a memory for storing a computer program for the method of buying and selling a point-to-point financial product.

In the first embodiment of the present invention, the point-to-point financial product buying and selling method is programmable as a computer program product and stored in the storage module 40. When the point-to-point financial product buying and selling system 1 is loaded into the computer program product of the point-to-point financial product buying and selling method in the storage module 40, as shown in FIG. 2, the following point-to-point financial product trading method is performed. First, the point-to-point financial commodity trading system 1 proceeds to step 101: providing a trading interface.

As shown in FIG. 1 and FIG. 4, in the first embodiment of the present invention, the processor 10 of the point-to-point financial product trading system 1 provides a trading interface B1 in the form of a web page via the network 100. When any of the counterparty devices is electrically connected to the point-to-point financial commodity trading system 1 by the network 100 and successfully logs into the point-to-point financial commodity trading system 1, the successfully logged-in party device can view the trading interface B1 in the form of a webpage. The displayed transaction information and the interactive button or input area on the trading interface B1 for peer-to-peer transactions with other counterparty devices. The buying and selling interface B1 of the present invention includes a new transaction triggering area C, a selling transaction demand area D1 and a buy transaction demand area E1.

The new transaction trigger area C is used for the successful transaction of the counterparty device to make a purchase and sale request. The sell transaction demand area D1 is used to display the sell transaction demand proposed by the seller's counterparty device. The sell transaction demand area D1 displays a sell information display area I1, a quantity adjustment area F1, and a sell transaction trigger area G1 according to the seller's proposed selling transaction demand. The selling information display area I1 displays the name of the financial product to be sold by the seller's counterparty device, the selling transaction price, and the number of the goods. The quantity adjustment area F1 is used for the buyer's counterparty device to input a number to adjust the quantity to be purchased. The sell transaction trigger zone G1 is a confirmation button for clicking on the transaction party device of the financial product to be displayed in the sales information display area I1 to determine the purchase. The purchase transaction demand area E1 displays a purchase information display area J1, a quantity adjustment area F2, and a purchase transaction trigger area H1 according to the purchase transaction demand proposed by the user. The purchase information display area J1 displays the name of the financial product to be bought by the buyer's counterparty device, the purchase transaction price, and the number of products. The quantity adjustment area F2 is used for the seller's counterparty device to input numbers to adjust the quantity to be sold. The purchase transaction trigger zone H1 is a confirmation button for clicking on the transaction party device of the financial product to be sold in the purchase information display area J1 to determine the sale.

In the first embodiment, as shown in FIG. 1, FIG. 3 and FIG. 4, if the user of the first transaction device 200, Mr. Zhang, and the user of the second transaction device 300, Ms. Wang, want to use the present invention. The point-to-point financial commodity trading system 1 performs point-to-point financial commodity trading, and Mr. Zhang and Miss Wang can use the first counterparty device 200 and the second counterparty device 300 respectively to electrically connect the network 100 to the point-to-point financial system. Commodity trading system 1. When the first transaction device 200 and the second transaction device 300 are electrically connected to the point-to-point financial commodity trading system 1 by the network 100, the point-to-point financial commodity trading system 1 first provides a login interface A, which is provided with a login interface A. They are displayed on the first transaction device 200 and the second transaction device 300, respectively, for the user to input the account number and password using the first transaction device 200 and the second transaction device 300, respectively. When Mr. Zhang and Miss Wang input the account number and password using the first transaction device 200 and the second transaction device 300 respectively, the account and password are transmitted to the network module 20 via the network 100, and the network module 20 The account number and password are transmitted to the processor 10, and the processor 10 compares the account number and the password with the user data stored in the database 30; if the account number and password and the user data stored in the database 30 match each other, Then, the processor 10 causes the first transaction device 200 and the second transaction device 300 to successfully log in to the point-to-point financial commodity trading system 1, and causes the display trading interface B1 to be displayed on the first transaction device 200 and the second transaction device, respectively. 300, for Mr. Zhang and Ms. Wang to watch the current trading requests from other users; for example, the selling demand of the number 1 displayed in the information display area I1, or the display of the information display area J1 The purchase demand for No. 1 number. At the same time, the processor 10 also searches for the holding and selling stock records of Mr. Zhang stored in the database 30 (as shown in FIG. 8) and Miss Wang's holding and selling stock records (as shown in FIG. 10); According to the stock record of Mr. Zhang’s stock trading, Mr. Zhang bought and held a share of Group C, and Miss Wang bought two shares of Ding Group.

If Mr. Zhang is not interested in the current trading requests made by other users after watching the current trading requests from other users, and Mr. Zhang wishes to propose a trading plan according to his trading needs, Mr. Zhang can use The first counterparty device 200 clicks on the new transaction trigger zone C.

As shown in FIG. 1, FIG. 4 and FIG. 5, when Mr. Zhang uses the first transaction device 200 to click on the new transaction trigger zone C, the message triggered by the newly added transaction trigger zone C is transmitted to the peer-to-peer via the network 100. The network module 20 of the financial product trading system 1, the network module 20 transmits the triggered message to the processor 10, and the processor 10 correspondingly provides a transaction demand input area R in the form of a web page, and The first transaction device 200 is displayed through the electrical connection between the network module 20 and the network 100. The transaction demand input area R in the form of a web page allows the user to input the name of the stock to be traded, the number of shares to be traded, and the transaction price, and the user selects to buy or sell. In the first embodiment, if the user of the first transaction device 200 wants to sell a stock of a group C at a price of 16.5 yuan, Mr. Zhang can use the first transaction device 200 to perform step 201. : Sending a sell order for one of the financial products to be sold.

In the first embodiment, Mr. Zhang can use the first transaction device 200 to input "Group C" in the stock name field of the transaction demand input area R, enter "1" in the quantity field, and input in the transaction price field. "16.5", in order to form a "transaction of a stock of a group of companies at a price of 16.5 yuan", and finally click on the "sell" round button to sell the order, so that "sell at 16.5 yuan" The sell order of a "Group C stock" is passed to the point-to-point financial commodity trading system1.

Next, the point-to-point financial commodity buying and selling system 1 proceeds to step 102: receiving a sell order, wherein the sell order is from the first counterparty device.

When Mr. Zhang enters the sell order in the transaction demand input area R and uses the first trader device 200 to transmit the sell order of the financial product to be sold, the sell order is transmitted to the network module through the network 100. 20, and the network module 20 transmits the sell instruction sent by the first transaction device 200 to the processor 10.

However, the manner in which the selling instruction is made and the manner in which the trading interface is made is not limited to the above. As shown in FIG. 5a, the trading interface B1' can also be designed to sell the trading demand area D1' and further include a price adjustment area K1. The purchase transaction demand area E1' further includes a price adjustment zone K2. When the user sees the purchase information display area J1 listed in the upper and lower sections of the buying and selling interface B1', and the user is interested in buying the stock of the company B listed in the information display area J1, but wishes to be able to propose a more suitable selling price by himself. The user can fill in his favorite selling price (for example, 23.0 yuan) in the price adjustment area K2, and input the quantity he wants to sell (for example, 2 sheets) in the quantity adjustment area F2', and then touch the transaction trigger area H1. The button to sell. At this time, the sell order for selling 2 B corporate shares at 23.0 yuan will be transmitted to the point-to-point financial commodity trading system 1, and the point-to-point financial commodity trading system 1 will search whether there is currently a buy transaction demand that meets the sell order. . If there is, it will be directly sold; if not, it will form a new selling demand in the selling transaction demand area D1' according to the selling instruction (that is, proceed to the subsequent step 103); or, if it is a point-to-point financial product Although the trading system 1 searches for the buying transaction demand that meets the selling instruction, but the quantity does not match, the point-to-point financial product trading system 1 will first make the quantity matching part of the transaction, and the remaining difference will be in the selling transaction demand. Zone D1' forms a new selling demand. Similarly, when the user sees the selling information display area I1 of the upper and lower rows of the buying and selling interface B1', and the user is interested in selling the company's stock listed in the information display area I1, but hopes to propose a more suitable purchase by himself. When entering the price, the user can also fill in the price of the purchase price in the price adjustment area K1 to form a new purchase order.

In addition, the processor 10 also first controls the network module 20 to connect to the collection center 900 to check with the collection center 900 whether the seller owns the stock and a sufficient quantity. If, after verification, it is confirmed that the seller does have the stock and sufficient quantity, the subsequent steps will be continued; if the seller finds that there is no such stock or does not have sufficient quantity after checking, the seller will be informed that there is no such file. If the stock does not have enough quantity, the seller must be required to re-issue the correct sell order. However, it is not the focus of this case to link to the Central Insurance Centre 900 to check whether the trader's stock information is correct. It is not the focus of this case, so I will not repeat it.

Next, the point-to-point financial product trading system 1 proceeds to step 103: according to the selling instruction, the trading interface is updated and a selling transaction demand area is displayed, wherein the selling transaction demand area includes a selling transaction triggering area.

As shown in FIGS. 1 and 6, in the first embodiment, after the processor 10 receives the sell instruction transmitted by the first transaction device 200, the processor 10 reads the sell instruction "at 16.5 yuan. The price, sells the shares of a group of C shares, and updates the trading interface B2 according to the content of the selling order; therefore, the updated trading interface B2 will display the new selling transaction demand area D2, sell The transaction demand area D2 includes a sell information display area I2, a sell transaction trigger area G2, and a quantity adjustment area F3. The sell information display area I2 will display the transaction request numbered 2, which shows that the trader wants to sell a share of the group C at a price of 16.5 yuan. If there are other users who are interested in purchasing the stock of Group C with the transaction requirement of 2, the other users can input the quantity to be purchased in the quantity adjustment area F3 as the quantity adjustment instruction, and click on the sales trigger trigger area G2. Buy the button to make a purchase.

In the first embodiment of the present invention, after the user of the second transaction party device 300 logs into the point-to-point financial commodity trading system 1, the user of the sales information display area I2 displays the transaction request number 2, and is intentional. To purchase a stock of a group C, Miss Wang can use the second party device 300 to perform step 301: transmitting a buy order and a quantity adjustment command.

Miss Wang can use the second counterparty device 300 to input the quantity to be purchased in the quantity adjustment area F3 as "1" as the quantity adjustment instruction, so that the "Group B of the transaction request with the purchase price of 2" can be formed. A buy order for 1 stock, then Miss Wang can use the second trader device 300 to click the "buy" button of the sell trigger zone G2 to transmit the buy order and the quantity adjustment command to the point-to-point finance Commodity trading system 1.

Next, the point-to-point financial commodity trading system 1 proceeds to step 104: receiving a buy order and a quantity adjustment instruction transmitted by the second counterparty device by selling the deal trigger zone and the quantity adjustment zone.

When Miss Wang enters the quantity adjustment instruction of "1" in the quantity adjustment area F3, and uses the second transaction side device 300 to click the sell transaction trigger area G2 to transmit the purchase order and the quantity adjustment instruction, the quantity adjustment instruction and the purchase order The network module 20 is transmitted to the network module 20 through the network 100, and the network module 20 transmits the quantity adjustment instruction and the purchase instruction transmitted by the second transaction unit 300 to the processor 10.

Then, the point-to-point financial commodity trading system 1 proceeds to step 105: updating the trading interface and the database according to the buying instruction and the quantity adjustment instruction, and forming a transaction information.

As shown in FIG. 1 and FIG. 7, after the processor 10 receives the purchase instruction and the quantity adjustment instruction transmitted by the second transaction device 300, the processor 10 reads the "buy" of the purchase instruction and the quantity adjustment instruction. The content of the "1 stock of the Group C required for the transaction of 2", and correspondingly updated the trading interface B3 according to the content; the updated trading interface B3 will display the new selling transaction demand area D3, the selling transaction demand The area D3 includes the original selling information display area I2, but the original selling transaction triggering area G2 and the quantity adjustment area F3 are changed to the words of "closing" to indicate that the transaction has been completed; however, The manner in which the trading interface B3 is changed is not limited to the above, and may be changed according to design requirements. In addition, the processor 10 also updates the database 30 in accordance with the contents of the "buy one stock of the group B of the transaction request number 2" of the purchase order and the quantity adjustment instruction. The processor 10 will change the stock record of Mr. Zhang stored in the database 30, from the content of the stock still holding a group C (as shown in Fig. 8), to not holding any stock, and has sold a piece of C. The contents of the group's stock (as shown in Figure 9); at the same time, the processor 10 will store the stock record of Miss Wang's stocks stored in the database 30, and change the content of only two shares of the Ding Group (Figure 10) to a total of Holds the contents of the shares of two Ding Group and one C Group (Figure 11). However, the information updated by the database 30 is not limited to the above, and may be changed according to actual usage requirements, and may include, for example, an instant transaction request list, an instant transaction record, and the like.

In addition, the processor 10 also forms a transaction information according to the purchase instruction and the quantity adjustment instruction (Fig. 12), and the transaction information records the name, stock name, and number of shares of the buyer (Mr. Zhang) and the seller (Miss Wang). , transaction price and transaction date and other information.

Next, the point-to-point financial commodity trading system 1 proceeds to step 106: transmitting the transaction information to the first transaction device and the second transaction device.

As shown in FIG. 1 and FIG. 12, after the processor 10 forms a transaction information, the processor 10 transmits the transaction information to the network module 20, and the network module 20 will use the transaction information as an email, a newsletter or a webpage. The form is transmitted to the first transaction device 200 and the second transaction device 300 via the network 100.

After the network module 20 sends the transaction information to the first transaction device 200 and the second transaction device 300, the first transaction device 200 and the second transaction device 300 respectively perform steps 202 and 302: receiving the transaction information. .

The first transaction device 200 and the second transaction device 300 respectively receive transaction information in the form of an email, a short message or a webpage transmitted by the network module 20, whereby the user of the first transaction device 200 Both Mr. Wang and the user of the second counterparty device 300 can know that their sale has been completed.

Finally, the point-to-point financial commodity trading system 1 proceeds to step 107: transmitting the transaction information to the collection center.

After the processor 10 forms a transaction information, the processor 10 also transmits the transaction information to the collection center 900 for the collection center to integrate the purchase and sale data of each user and hold the stock record.

Hereinafter, please refer to FIG. 13 to FIG. 16 for a point-to-point financial product buying and selling method according to a second embodiment of the present invention. 13 is a flow chart showing the steps of a method for buying and selling a point-to-point financial product according to a second embodiment of the present invention; FIG. 14 is a schematic diagram showing the updating of the trading interface according to the purchase instruction according to the second embodiment of the present invention; A schematic diagram of the trading interface of the second embodiment for receiving the quantity adjustment instruction; FIG. 16 is a schematic diagram of updating the trading interface according to the selling instruction and the quantity adjustment instruction according to the second embodiment of the present invention.

As shown in FIGS. 1 and 13, the difference between the second embodiment and the first embodiment is that the user of the first transaction party device 200 of the first embodiment operates the point-to-point financial product trading system as a seller. In order to sell the stock, the user of the first transaction device 200 of the second embodiment, Mr. Zhang, operates the point-to-point financial commodity trading system 1 as a buyer to purchase stocks; therefore, steps 112 to 115 of the second embodiment遂 changes according to the user's operation behavior; while step 111 (corresponding to step 101), step 116 (corresponding to step 106) to step 117 (corresponding to step 107) of the second embodiment are not changed, no need to do more Narration. In the second embodiment, Mr. Zhang wants to buy the shares of the eight Ding Group at a price of 20.0 yuan, so Mr. Zhang can use the first transaction device 200 to perform step 211: transmitting one of the financial products to be bought. Buy orders.

As shown in FIG. 1 and FIG. 5, in the second embodiment, Mr. Zhang can use the first transaction device 200 to input "Ding Group" in the stock name field of the transaction demand input area R, and input "in the quantity field". 8", enter "20.0" in the transaction price field to form the "transaction of the stock of the eight Ding Group at a price of 20.0 yuan", and finally click the "buy" round button, the following buy order, The purchase instruction is passed to the point-to-point financial commodity trading system 1.

Next, the point-to-point financial commodity trading system 1 proceeds to step 112: receiving a buy order, wherein the buy order is from the first counterparty device.

When Mr. Zhang enters the purchase order in the transaction demand input area R and uses the first transaction device 200 to transmit the purchase order of the financial product to be purchased, the purchase instruction is transmitted to the network module through the network 100. 20, and the network module 20 transmits the sell instruction sent by the first transaction device 200 to the processor 10.

Next, the point-to-point financial commodity trading system 1 proceeds to step 113: updating the trading interface according to the buying instruction and displaying a buying transaction demand area, wherein the buying transaction demand area includes a buying transaction triggering area.

As shown in FIG. 1 and FIG. 14, in the second embodiment, after the processor 10 receives the buy instruction transmitted by the first transaction device 200, the processor 10 reads the purchase instruction "with 20.0 yuan. The price, buy the stock of the eight Ding Group, and update the trading interface B4 according to the content of the purchase order; therefore, the updated trading interface B4 will display the new buying transaction demand area E2, buy The transaction demand area E2 includes a purchase information display area J2, a purchase transaction trigger area H2 and a quantity adjustment area F4, and the purchase information display area J2 displays a transaction request numbered 2, wherein it can be seen that the trader wants to The price of 20.0 yuan sold 8 shares of Ding Group. If there are other users interested in selling the shares of Ding Group to Mr. Zhang, other users can enter the quantity to be sold in the quantity adjustment area F4 as the quantity adjustment instruction, and click on the "sell" of the purchase trigger trigger area H2. Button for sale.

In the first embodiment of the present invention, after the user of the second transaction party device 300, Ms. Wang, logs into the point-to-point financial product trading system 1, she sees the transaction request of the purchase information display area J2, which is labeled as 2, and is intentional. Selling two Ding Group stocks, Miss Wang can use the second trader device 300 to perform step 311: transmitting a sell order and a quantity adjustment command.

As shown in FIG. 15, Miss Wang can use the second counterparty device 300 to input the quantity to be sold in the quantity adjustment area F4 as "2" as a quantity adjustment instruction, so that the "selling group" can be formed. "Two stocks are given to the user of No. 2", and then Miss Wang can use the second counterparty device 300 to click the "Sell" button of the buy trigger area H2 to use the sell order and the quantity. The adjustment order is transmitted to the point-to-point financial commodity trading system1.

Next, the point-to-point financial commodity trading system 1 proceeds to step 114: receiving a sell order and a quantity adjustment command transmitted by the second counterparty device by buying the deal trigger zone and the quantity adjustment zone.

When Miss Wang enters the quantity adjustment instruction of "2" in the quantity adjustment area F4, and uses the second transaction side device 300 to click the purchase transaction trigger area H2 to transmit the sell order and the quantity adjustment instruction, the quantity adjustment instruction and the sell order The network module 20 is transmitted to the network module 20 through the network 100, and the network module 20 transmits the quantity adjustment command and the sell command transmitted by the second transaction device 300 to the processor 10.

Then, the point-to-point financial commodity trading system 1 proceeds to step 115: updating the trading interface and the database according to the selling instruction and the quantity adjustment instruction, and forming a transaction information.

As shown in FIG. 1 and FIG. 16, after the processor 10 receives the sell instruction and the quantity adjustment instruction transmitted by the second transaction device 300, the processor 10 reads the "sell" of the sell instruction and the quantity adjustment instruction. The 2 shares of the Ding Group are given to the user of No. 2, and the trading interface B5 is updated according to the content; the updated trading interface B5 will display the new buying transaction demand area E3, and the buying transaction demand The area E3 includes the updated purchase information display area J2', and the purchase information display area J2' displays the transaction request numbered 2, wherein it can be seen that the trader of the number 2 user wants to buy the stock of the Ding Group. The number has been changed to six. In addition, the processor 10 also updates the contents of the "selling two stocks of the group to the number 2 user" according to the selling instruction and the quantity adjustment instruction, and correspondingly updates the database 30 to store Mr. Zhang and Miss Wang. Buying and selling with holding stock records. Next, the point-to-point financial commodity buying and selling system 1 can proceed to the subsequent steps 116 to 117 to complete the point-to-point financial commodity buying and selling method of the second embodiment.

By means of the point-to-point financial commodity buying and selling method of the present invention, investors can directly use each other to electronically trade financial products by using electronic devices, which can save the time of the traditional financial commodity trading process, and investors do not need to pass through securities firms. You can trade directly, which saves the transaction fee that needs to be paid to the broker.

It should be noted that the above is only an embodiment, and is not limited to the embodiment. For example, those who do not depart from the basic structure of the present invention should be bound by the scope of the patent, and the scope of the patent application shall prevail.

1‧‧‧ point-to-point financial commodity trading system

10‧‧‧ processor

20‧‧‧Network Module

30‧‧‧Database

40‧‧‧ storage module

100‧‧‧Network

200‧‧‧First trading party installation

300‧‧‧Second party equipment

900‧‧ ‧ Collection Center

A‧‧‧ login interface

B1, B1', B2, B3, B4, B5‧‧‧ trading interface

C‧‧‧New transaction trigger zone

D1, D1’, D2, D3‧‧‧ Selling transaction demand area

E1, E1’, E2, E3‧‧‧ Buying transaction demand area

F1, F1', F2, F2', F3, F4‧‧‧ quantity adjustment area

G1, G2‧‧‧ Selling transaction trigger zone

H1, H2‧‧‧ Buying transaction trigger zone

I1, I2‧‧‧Sell information display area

J1, J2, J2’‧‧‧ Buy information display area

K1, K2‧‧‧ price adjustment zone

R‧‧‧Transaction demand input area

1 is a system architecture diagram of a point-to-point financial commodity trading system, a plurality of counterparty devices, and a collection center in the first embodiment of the present invention. 2 is a flow chart showing the steps of the method for buying and selling a point-to-point financial product according to the first embodiment of the present invention. 3 is a schematic diagram of a login interface of a first embodiment of the present invention. Figure 4 is a schematic illustration of the trading interface of the first embodiment of the present invention. Figure 5 is a schematic illustration of a transaction demand input area of a first embodiment of the present invention. Figure 5a is a schematic illustration of another aspect of the trading interface of the first embodiment of the present invention. Figure 6 is a schematic diagram showing the updating of the trading interface according to the selling instruction in the first embodiment of the present invention. Figure 7 is a schematic diagram showing the updating of the trading interface according to the purchase instruction in the first embodiment of the present invention. FIG. 8 is a schematic diagram showing stock records of the first transaction party device data before the transaction stored in the database of the first embodiment of the present invention. 9 is a schematic diagram of a stock record of the first transaction party device data after the transaction stored in the database of the first embodiment of the present invention. Figure 10 is a diagram showing the stock record of the second transaction party device data before the transaction stored in the database of the first embodiment of the present invention. Figure 11 is a diagram showing the stock record of the second transaction party device data after the transaction stored in the database of the first embodiment of the present invention. Figure 12 is a diagram showing the instant transaction record stored in the database of the first embodiment of the present invention. Figure 13 is a flow chart showing the steps of the method for buying and selling a point-to-point financial product according to the second embodiment of the present invention. Figure 14 is a schematic diagram showing the updating of the trading interface according to the purchase instruction in the second embodiment of the present invention. Figure 15 is a diagram showing the trading interface of the second embodiment of the present invention that receives the quantity adjustment instruction. Figure 16 is a schematic diagram showing the updating of the trading interface according to the selling instruction and the quantity adjustment instruction in the second embodiment of the present invention.

Claims (16)

A point-to-point financial commodity buying and selling method is applied to a point-to-point financial commodity trading system. The point-to-point financial commodity trading system includes a processor, a network module and a database, and the processor is electrically connected to the network module. The group and the database, the network module is electrically connected to the plurality of transaction party devices and a collection center through a network, and the collection center is a centralized security deposit and short-term ticket approved by a government financial institution. a voucher concentration, custodian and settlement institution, the plurality of transaction party devices comprising a first transaction party device and a second transaction party device, the point-to-point financial commodity purchase and sale method comprising: providing a sales interface; receiving a sell order, wherein the The selling instruction is from the first counterparty device; according to the selling instruction, updating the trading interface and displaying a selling transaction demand area, wherein the selling transaction demand area includes a selling transaction triggering area; Receiving a transaction triggering area, receiving a purchase instruction transmitted by the second transaction party device; updating the sales interface and the database according to the purchase instruction, and Information into a transaction; transaction information and transmitting the direct current to the security center. The method for buying and selling a point-to-point financial product according to claim 1, further comprising: transmitting the transaction information to the first transaction device and the second transaction device. For example, the method for buying and selling a financial product according to item 2 of the patent application scope, wherein the selling transaction demand area includes a quantity adjustment area. The method for buying and selling a financial product according to claim 3, wherein the step of receiving a purchase order transmitted by the second transaction device by the selling transaction triggering zone further comprises: selling the The transaction triggering area and the quantity adjustment area receive a purchase instruction and a quantity adjustment instruction transmitted by the second transaction side device. The method for buying and selling a financial product according to claim 4, wherein the step of updating the trading interface and the database according to the buying instruction and forming a transaction information further comprises: according to the buying instruction and the The quantity adjustment instruction updates the trading interface and the database and forms a transaction information. The method for buying and selling a financial product according to claim 5, wherein the selling instruction comprises a name of the financial product to be sold, a selling transaction price, and a quantity of the commodity. The method for buying and selling a financial product according to item 6 of the patent application scope, wherein the selling transaction demand area further comprises a selling information display area, the selling The information display area displays the name of the financial product to be sold, the selling transaction price, and the quantity of the product. For example, the method for buying and selling financial products according to item 7 of the patent application scope, wherein the selling transaction demand area further comprises a price adjustment area. A point-to-point financial commodity buying and selling method is applied to a point-to-point financial commodity trading system. The point-to-point financial commodity trading system includes a processor, a network module and a database, and the processor is electrically connected to the network module. The group and the database, the network module is electrically connected to the plurality of transaction party devices and a collection center through a network, and the collection center is a centralized security deposit and short-term ticket approved by a government financial institution. a voucher concentration, custodian and settlement institution, the plurality of transaction party devices comprising a first transaction party device and a second transaction party device, the point-to-point financial commodity purchase and sale method comprising: providing a purchase and sale interface; receiving a buy order, wherein the The purchase instruction is from the first transaction party device; according to the purchase instruction, the purchase and sale interface is updated and a purchase transaction demand area is displayed, wherein the purchase transaction demand area includes a purchase transaction trigger area; Entering a transaction triggering area, receiving a sell instruction transmitted by the second transaction party device; According to the selling instruction, the trading interface and the database are updated, and a transaction information is formed; and the transaction information is directly transmitted to the collection center. The method for buying and selling a point-to-point financial product according to claim 9 of the patent application, further comprising: transmitting the transaction information to the first transaction device and the second transaction device. The method for buying and selling a point-to-point financial product according to claim 10, wherein the purchase transaction demand area includes a quantity adjustment area. The method for buying and selling a financial product according to claim 11, wherein the step of receiving a selling instruction transmitted by the second transaction device by the buying transaction triggering zone further comprises: The transaction trigger zone and the quantity adjustment zone receive a sell order and a quantity adjustment command transmitted by the second counterparty device. The method for buying and selling a financial product according to claim 12, wherein the step of updating the trading interface and the database according to the selling instruction, and forming a transaction information further comprises: according to the selling instruction and the The quantity adjustment instruction updates the trading interface and the database and forms a transaction information. The method for buying and selling a financial product according to claim 13 , wherein the purchase order includes a name of the financial product to be bought, a purchase transaction price, and a quantity of the commodity. The method for buying and selling a financial product according to claim 14, wherein the purchase transaction demand area further comprises a purchase information display area, and the purchase information display area displays the name of the financial product to be purchased. The purchase price and the quantity of the item. For example, the method for buying and selling financial products according to item 15 of the patent application scope, wherein the purchase transaction demand area further comprises a price adjustment area.