A sort-based stock account management system to minimize transfer taxes

Abstract

The present invention relates to a sorting-based stock account management system for minimizing capital gains tax, which sorts the quantity of stocks acquired in a securities account in order of acquisition unit price using deposits and withdrawals to and from a virtual account in order of acquisition unit price, so as to minimize capital gains tax through future stock sales. The system comprises: an account management unit that registers and manages a user’s trading account and N virtual accounts (N is a natural number greater than or equal to 3) for said trading account; a transaction information collection unit that collects transaction information from said trading account; a request reception unit that receives a request from a user for a sorting method for the trading account; a unit price ranking search unit that extracts only the information on the stocks acquired for the remaining quantity of said stocks in said trading account and searches for the unit price ranking of each of the acquired stocks from the extracted information on the acquired stocks, wherein said information on the acquired stocks consists of the acquisition time, the acquisition unit price, and the acquisition quantity; and a scenario creation unit that simulates the process of sorting acquired stocks in order of acquisition unit price using said trading account and virtual account, and creates transaction scenarios for outflows and deposits from one account to another account processed during the simulation process. Through the system described above, by sorting the hourly acquisition quantities of the user's trading account by acquisition unit price, future sales can be made in order of highest unit price, thereby minimizing future capital gains tax.

Description

Technology Field

[0001] The present invention relates to a sorting-based stock account management system for minimizing capital gains tax, which sorts the quantity of securities acquired in a securities account in order of acquisition unit price using deposits and withdrawals to a virtual account, so as to minimize capital gains tax through future stock sales. Background Technology

[0002] Generally, as home trading systems or mobile trading systems that allow buying and selling stocks via computers or mobile devices have become widespread, the barriers to entry for stock investment have lowered, and interest in stock investment is expanding.

[0003] Meanwhile, when a user (or investor) sells stocks they have purchased and hold, the capital gains may vary depending on at what point the purchased stocks are deemed to have been sold (in other words, at what unit price the stocks were purchased).

[0004] For example, assume that an investor holds 1,000 shares purchased at price P1 at time T1 and 1,000 shares purchased at price P2 at time T2, and decides to sell 1,000 of the shares held. In this case, depending on whether this is considered as selling the shares purchased at time T1 or selling the shares purchased at time T2, the acquisition cost of the shares to be sold will differ as P1 or P2, respectively.

[0005] Specifically, when calculating capital gains tax, the method is divided into the First In First Out (FIFO) method, which treats the sale of stocks as the sale of the stocks purchased first, and the Last In First Out (LIFO) method, which treats the sale of stocks as the sale of the stocks purchased last. Additionally, for foreign stocks, the Moving Average (MA) method, which calculates the acquisition cost based on the average price of the purchased stocks, may be selected.

[0006] However, since capital gains serve as the basis for calculating capital gains tax, etc., providing a strategy to determine which stock to sell (which calculation method to choose) can be very useful to stock investors. Furthermore, rather than simply providing a strategy to reduce the capital gains tax that a user must bear at a certain point after trading stocks, it can be very useful to proactively provide information on expected capital gains tax to the investor before the stock transaction or to provide a favorable (at least in terms of capital gains tax) stock transfer (trading) strategy, thereby enabling stock investors to choose an investment strategy that considers not only simple investment returns but also tax implications.

[0007] In addition, if the stocks the user intends to sell are subject to taxation and capital gains tax may be imposed, it can be very useful to provide consulting that helps reduce capital gains tax by actively utilizing the user's stocks that are currently losing money.

[0008] To reduce such capital gains tax, a technology is proposed that selects a calculation method, such as the first-in, first-out method or the last-in, first-out method, for each account that has made a trading transaction and reports it [Patent Documents 1, 2].

[0009] However, the aforementioned prior art has a problem in that it cannot minimize capital gains tax because it selects only one calculation method for a single account. For example, if the stock at the highest price is purchased at an intermediate point in time, regardless of whether the first-in, first-out (FIFO) or last-in, first-out (LIFO) method is applied, the stock at a point in time prior to or after the intermediate point is sold, so it cannot be applied to sell the stock at the highest price. Prior art literature

[0010] Korean Registered Patent No. 10-2196801 (Published Dec. 30, 2020) Korean Registered Patent No. 10-2021012 (Published Sep. 11, 2019) The problem to be solved

[0011] The objective of the present invention is to solve the problems described above and to provide a sorting-based stock account management system for minimizing capital gains tax by utilizing deposits and withdrawals to a virtual account to sort the quantity of securities acquired in a securities account in order of acquisition unit price, thereby minimizing capital gains tax through future stock sales.

[0012] In particular, the objective of the present invention is to provide a sorting-based stock account management system for minimizing capital gains tax, wherein stocks are sequentially deposited from a trading account to a first virtual account on each date (time), among which N-1 acquired stocks with the highest purchase price are each deposited into another N-1 virtual account, and the N-1 acquired stocks with the highest purchase price are sorted while being re-deposited into the trading account. means of solving the problem

[0013] To achieve the above objective, the present invention relates to a sorting-based stock account management system for minimizing capital gains tax, comprising: an account management unit that registers and manages a user’s trading account and N virtual accounts (N is a natural number greater than or equal to 3) for the trading account; a transaction information collection unit that collects transaction information from the trading account; a request reception unit that receives a request for a sorting method for the trading account from the user; a unit price ranking search unit that extracts only the acquisition stock information regarding the remaining quantity of the stock in the trading account and searches for the unit price ranking of each of all acquired stocks from the extracted acquisition stock information, wherein the acquisition stock information consists of the acquisition date (time), acquisition unit price, and acquisition quantity; and a scenario creation unit that simulates the process of sorting acquired stocks in order of acquisition unit price using the trading account and virtual accounts, and creates a transaction scenario for outgoing and incoming transactions from one account to another account processed during the simulation process.

[0014] In addition, the present invention relates to a sorting-based stock account management system for minimizing capital gains tax, wherein the scenario creation unit moves acquired stocks from the trading account to a first virtual account, which is one of the N virtual accounts, sequentially through deposit and withdrawal in order of date (time), and moves the top-ranked N-1 acquired stocks one by one to the remaining N-1 virtual accounts, and sorts the acquired stocks by re-depositing the acquired stocks from the remaining virtual accounts into the trading account in order of unit price ranking.

[0015] Furthermore, the present invention relates to a sorting-based stock account management system for minimizing capital gains tax, wherein the scenario creation unit, in the case of a first-in, first-out method, moves acquired stocks from the trading account to the first virtual account sequentially by date (time) through inflow and outflow, wherein the top N-1 acquired stocks are each moved to the remaining N-1 virtual accounts, acquired stocks are moved from the remaining N-1 virtual accounts to the trading account in order of rank, and the remaining acquired stocks are moved from the first virtual account to the trading account.

[0016] Furthermore, the present invention relates to a sorting-based stock account management system for minimizing capital gains tax, wherein the scenario creation unit, when sorting the remaining acquired shares in the first virtual account, sorts the acquired shares in the first virtual account without moving the remaining acquired shares to the trading account, wherein the first virtual account is set as the first remaining account and the second virtual account is set as the second remaining account to sort the remaining amount, the trading account is set as the sorting account to move the acquired shares with the highest rank among the first remaining accounts to the sorting account, and the acquired shares contained in the remaining virtual accounts are moved to the sorting account in order of rank to sort them, and all acquired shares are sorted by repeating the process.

[0017] Furthermore, the present invention relates to a sorting-based stock account management system for minimizing capital gains tax, wherein the scenario creation unit, in the case of a LIFO method, moves acquired stocks from the trading account to the first virtual account sequentially by date (time) through inflow and outflow, wherein the top N-1 acquired stocks are each moved to the N-1 remaining virtual accounts, the remaining acquired stocks are moved from the first virtual account to the trading account, and the acquired stocks are moved from the N-1 remaining virtual accounts to the trading account in order of rank.

[0018] In addition, the present invention relates to a sorting-based stock account management system for minimizing capital gains tax, wherein the scenario creation unit, in order to sort the remaining acquired stocks in the first virtual account, does not move the remaining acquired stocks or the acquired stocks in the sorting account to the trading account, but sorts the acquired stocks in the first virtual account, wherein the first virtual account is set as the first remaining account, a third virtual account different from the first or second virtual account among the N virtual accounts is set as the second remaining account, the trading account is used as the remaining virtual account, sorts the remaining amount, moves the acquired stocks contained in the remaining virtual account to the sorting account in order of rank, and when the sorting process is repeated, the acquired stocks in the sorting account are sorted, and all acquired stocks in the sorting account are moved to the trading account to sort in reverse order.

[0019] In addition, the present invention relates to a sorting-based stock account management system for minimizing capital gains tax, wherein the request receiving unit receives input from a user the quantity of stocks to be sold in the trading account (hereinafter referred to as the estimated quantity of sales), the unit price ranking search unit finds the lowest rank having the smallest sum of acquired stocks while the sum of acquired stocks in the upper order is greater than the estimated quantity of sales, sets a sorting request ranking M, and the scenario creation unit sorts only up to the sorting request ranking M.

[0020] In addition, the present invention is characterized in that, in a sorting-based stock account management system for minimizing capital gains tax, the trading accounts are multiple, the virtual account is one, and for each trading account, the virtual account is shared.

[0021] In addition, the present invention relates to a sorting-based stock account management system for minimizing capital gains tax, wherein the account management unit sets the method of calculating capital gains tax for the trading account and the virtual account in the same manner. Effects of the invention

[0022] As described above, according to the sorting-based stock account management system for minimizing capital gains tax according to the present invention, by sorting the quantity acquired by date (time) of a user's trading account by date (time) in order of acquisition unit price, the effect of minimizing future capital gains tax is obtained by enabling the sale in order of the highest unit price when selling in the future. Brief explanation of the drawing

[0023] FIG. 1 is a block diagram of the configuration of the entire system for implementing the present invention. FIG. 2 is a block diagram of the configuration of an alignment-based stock account management system for minimizing capital gains tax according to an embodiment of the present invention. FIG. 3 is an exemplary diagram showing transaction information of a collected trading account according to an embodiment of the present invention. FIG. 4 is an example diagram showing transaction information excluding erased transactions from the transaction information of FIG. 3 according to an embodiment of the present invention. FIG. 5 is an example diagram showing transaction information in which only acquisition information regarding the current remaining quantity of a stock item is extracted from the transaction information of FIG. 4 according to an embodiment of the present invention. FIG. 6 is an example diagram showing the unit price ranking in the acquired information of FIG. 5 according to an embodiment of the present invention. FIG. 7 is a flowchart illustrating a method for arranging acquired shares using a first-in, first-out method according to an embodiment of the present invention. FIG. 8 is a flowchart illustrating the step of classifying acquired shares into accounts according to ranking according to an embodiment of the present invention. FIGS. 9 to 11 are drawings illustrating the process of arranging acquired shares using a first-in, first-out method according to an embodiment of the present invention. FIG. 12 is a flowchart illustrating a method for arranging acquired shares using a LIFO method according to an embodiment of the present invention. FIGS. 13 to 14 are drawings illustrating the process of aligning acquired shares using a LIFO method according to an embodiment of the present invention. Specific details for implementing the invention

[0024] Hereinafter, specific details for implementing the present invention will be explained with reference to the drawings.

[0025] In addition, in describing the present invention, identical parts are denoted by the same reference numerals, and their repeated description is omitted.

[0026] First, the configuration of the entire system according to one embodiment of the present invention will be explained with reference to FIG. 1.

[0027] As shown in FIG. 1, the entire system according to one embodiment of the present invention is composed of a user terminal (10) used by a user, a management client (30a) installed on the user terminal (10), a management server (30b) that sorts trading accounts for capital gains tax optimization, and a securities company server (50) that provides home trading services at a securities company. Additionally, it may further include a trading client (20) installed on the user terminal (10) for stock trading, and a database (40) that stores trading information, etc. Additionally, the user terminal (10), the management server (30b), the securities company server (50), etc. are connected to a network (80) to perform data communication.

[0028] First, the user terminal (10) is a computing terminal used by a stock trading user and is a terminal equipped with conventional computing functions, such as a smartphone, PC, laptop, phablet, or tablet PC. In particular, the user terminal (10) is a terminal in which a web browser, an application, or a mobile application (or app, application) can be installed and executed.

[0029] Next, the management client (30a) is installed on the user terminal (10) and provides an account sorting service in conjunction with the management server (30b). That is, preferably, the management client (30a) and the management server (30b) are constructed as a client-server system, so that the functions of the entire system can be distributed according to the performance of the client or the amount of communication with the server. Therefore, the work performed by the user terminal (10) in the following description is performed by the user through the corresponding client (or application) (in conjunction with the server).

[0030] Additionally, a trading client (20), such as a Home Trading System (HTS) or a Mobile Trading System (MTS), may be installed on the user terminal (10) for stock trading. The trading client (20) is linked with a securities company server (50), etc., to provide services for stock trading. At this time, the management client (30a) may provide account sorting services in conjunction with the trading client (20).

[0031] As another embodiment, the trading client (20) may be included within the management client (30a), or the management client (30a) may be implemented within the trading client (20). In this case, the securities company server (50) and the management server (30b) may be configured to be linked.

[0032] Next, the securities company server (50) is a standard server operated by a securities company and provides trading information for users. Additionally, the securities company server (50) can provide services for stock trading by linking with the trading client (20). That is, the securities company server (50) and the trading client (20) may be a system implemented in a server-client manner.

[0033] Additionally, the securities company server (50) provides trading information for the user's trading account or processes trading or deposits / withdrawals from the user's account or to another account in response to a request from the management client (30a) or the management server (30b).

[0034] Meanwhile, since the securities company server (50) is composed of a trading client (20) and a server-client, the management client (30a) or the management server (30b) can request the provision of trading information or request deposits / outputs, etc., from the securities company server (50) or the trading client (20). For convenience of explanation, the securities company server (50) will be described as handling the corresponding work below.

[0036] Next, the management server (30b) is a server that guides account alignment for capital gains tax optimization or reduction, and provides services in conjunction with the user terminal (10) or the management client (30a). In particular, the management server (30b) and the management client (30a) can be constructed according to the configuration method of a server-client system. That is, the functions of the entire system can be distributed according to the performance of the client or the amount of communication with the server, etc.

[0037] Hereinafter, a server-client system consisting of a management client (30a) and a management server (30b) will be referred to as a management system (30).

[0038] Specifically, the management system (30) registers and manages users as members, and receives the user's securities account or trading account.

[0039] Additionally, the management system (30) may create additional accounts (hereinafter virtual accounts) for temporary withdrawal and re-deposit of the user's account. That is, a request is made to the securities company server (50) to create a virtual account. If the user has multiple accounts, a virtual account may be created for each account, or multiple user accounts may share and use a virtual account.

[0040] In addition, the management system (30) collects stock trading information for the user account. That is, it requests the user's stock trading information from the securities company server (50) and collects the information.

[0041] Additionally, the management system (30) analyzes the stock trading information of the user account and creates a scenario for outgoing and re-entering stocks to multiple virtual accounts that can sort the stocks of the trading account so that the stocks acquired at the highest unit price at that time can be sold in priority.

[0042] Additionally, the management system (30) can output the corresponding scenario, request the securities company server (50) to process according to the corresponding scenario, and receive and output the processing result.

[0043] Next, the database (40) may be composed of an account information DB (41) that stores information about the user's trading account or virtual account, a transaction information DB (42) that stores transaction information of the user's trading account, and a scenario DB (43) that stores scenarios for capital gains tax optimization. However, the configuration of the database (40) is merely a preferred embodiment, and in developing a specific device, it may be configured in a different structure according to database construction theory, taking into account ease of access and search and efficiency.

[0044] Next, the configuration of a sort-based stock account management system (30) for minimizing capital gains tax according to an embodiment of the present invention will be described in more detail with reference to FIG. 2. The management system (30) according to the present invention may be implemented as a server-client system, such as one composed of a client (30a) and a management server (30b), as described above.

[0045] As shown in FIG. 2, a sorting-based stock account management system (30) for minimizing capital gains tax according to an embodiment of the present invention comprises an account management unit (31) for managing a user's trading account or virtual account, a transaction information collection unit (32) for collecting transaction information of the user's trading account, a request reception unit (33) for receiving a request for a sorting method of the trading account from the user, a unit price ranking search unit (34) for searching for acquired stocks in order of highest unit price for the quantity held, and a scenario creation unit (35) for creating a transaction scenario to sort according to the searched ranking. Additionally, it may further include a scenario execution unit (36) for executing the created transaction scenario.

[0046] First, the account management department (31) manages the user's trading account or virtual account.

[0047] That is, the account management department (31) receives the trading account that the user trades from the user. A trading account refers to a securities account in which the user trades securities or stocks. At this time, the account management department (31) can register and manage the trading account by linking with the securities company server (50).

[0048] Preferably, the account management department (31) can register a user as a member. At this time, user information such as the user's name and contact details is registered together. In addition, as described above, the trading account of the member can be registered together.

[0049] Additionally, the account management department (31) creates and registers multiple virtual accounts for users to deposit and withdraw from or from the user's trading account. Preferably, the virtual account is a standard securities account for stock trading, but a securities account not used for trading is registered as a virtual account for deposit and withdrawal only.

[0050] As an example, another securities account (a securities account different from the trading account) created by a user at a securities firm can be registered as a virtual account. That is, the user directly requests the securities firm to create an additional securities account and registers the said securities account as a virtual account.

[0051] In addition, as another embodiment, the account management unit (31) may create and register a virtual account by linking with the securities company server (50). That is, it is created upon the user's request, but the account management unit (31) can create the virtual account on behalf of the user without the user going through the securities company. In this case as well, the virtual account may be a securities account for ordinary stock trading.

[0052] Meanwhile, the user's trading accounts are three or more, i.e., N. At this time, N is a natural number greater than or equal to 3, and preferably, N is 5 to 10.

[0053] Additionally, virtual accounts can be created for each user's trading account. Alternatively, as another embodiment, virtual accounts can be shared and used across two or more trading accounts. Preferably, even if a user has multiple trading accounts, only a predetermined number of N virtual accounts are created, and N virtual accounts are shared and used across multiple trading accounts.

[0054] Additionally, the account management department (31) registers the capital gains tax calculation method for the user's trading account. The capital gains tax calculation method is divided into the First In First Out (FIFO) method, which considers the stock purchased first as the stock sold when the stock is sold, and the Last In First Out (LIFO) method, which considers the stock purchased last as the stock sold. That is, one trading account is specified by one capital gains tax calculation method. Preferably, the capital gains tax calculation method can be changed according to the user's request.

[0055] Additionally, preferably, the account management department (31) sets the method of calculating capital gains tax for trading accounts and the method of calculating capital gains tax for virtual accounts to be the same. In this case, if multiple trading accounts are of different types, they are classified into first-in, first-out and last-in, first-out methods, and trading accounts and virtual accounts are placed for each category. In particular, when virtual accounts are shared, trading accounts of the same category share virtual accounts of the same type.

[0056] Next, the transaction information collection unit (32) collects transaction information from the user's trading account.

[0057] Specifically, the transaction information collection unit (32) collects information on stocks traded in the user's trading account through the securities company server (50). The trade stock information is information about the traded stock (or trade stock) for each stock item, and consists of the stock item (or stock name, stock code), transaction type, transaction date (time), transaction quantity, transaction unit price, etc. Additionally, it may further include the transaction amount indicating the amount traded, or the total quantity held (remaining quantity), etc. A trade stock is a unit in which a stock has been traded once, and is a unit distinguished according to the date (time), transaction type, unit price, etc. Furthermore, the unit of a trade stock represents the unit distinguished in the securities account of each securities company. The trade stock information consists of information on multiple trade stocks.

[0058] A stock ticker is identification information that identifies a stock, such as a ticker symbol or ticker code. Transaction types are classified into buying / selling, inbound / outbound, etc.

[0059] Additionally, preferably, the transaction information collection unit (32) collects transaction information for each transaction account when there are multiple trading accounts.

[0060] Figure 3 shows trading stock information collected from a user's trading account. Figure 3 shows information on a total of 6 trading stocks. Among these, the 100 shares of trading stocks at 160 won on 2023-09-10 are stocks resulting from a sell transaction, and the remaining 5 trading stocks are stocks resulting from a buy transaction.

[0061] Next, the request receiving unit (33) receives a request from the user for a method of aligning the trading account so that capital gains tax is minimized in future sales.

[0062] Specifically, the request receiving unit (33) receives a request to start sorting. That is, it creates a sorting scenario after receiving approval from the user. Preferably, the request receiving unit (33) can periodically ask the user whether to sort and receive approval.

[0063] Additionally, the request receiving unit (33) may receive the expected future sales volume. The expected future stock items and sales volumes are referred to as expected items or expected sales volumes. Preferably, if there is an expected sales volume, sorting may be performed only on the stocks acquired up to the expected sales volume.

[0064] Meanwhile, the request receiving unit (33) receives a request for sorting each stock item. Preferably, a request can be received for multiple stock items, and sorting can be performed for each stock item. Below, for convenience of explanation, sorting for a single stock item is described. However, each stock item is independent of other stock items. Therefore, sorting can be performed for each stock item.

[0065] Next, the unit price ranking search unit (34) extracts only acquisition information from the corresponding trading account and searches for acquired stocks in order of highest unit price from the extracted acquisition information.

[0066] First, the unit price ranking search unit (34) extracts acquisition information or acquired stock information regarding the current remaining quantity for the corresponding stock in the corresponding trading account (trading account of the stock to be sold) (S41). The acquired stock information consists of the acquisition date (time), acquisition unit price, and acquisition quantity of each remaining stock. Here, the acquisition of a stock refers to acquiring the corresponding stock through purchase or deposit, etc. Therefore, for the remaining stock currently held, the acquisition information (or acquired stock information) of the remaining stock for each trading unit is extracted.

[0067] Specifically, from the information on all traded shares acquired in the relevant trading account, the amount corresponding to cancellation transactions (withdrawal or sale, etc.) based on the capital gains tax calculation method is excluded, and only the acquisition information (or information on acquired shares) of the remaining shares is extracted. A cancellation transaction refers to a transaction in which the remaining quantity of a held stock is withdrawn from the relevant trading account through sale or withdrawal, etc. For example, a cancellation transaction is a transaction caused by withdrawal or sale.

[0068] Figure 4 shows the total number of traded shares acquired in the user's trading account. That is, the sell transaction (erasure transaction) on 2023-09-10 is excluded. Additionally, regarding the sell transaction (erasure transaction) on 2023-09-10 in Figure 4, if calculated using the First-In, First-Out (FIFO) method, the purchase quantity on 2023-06-20 is calculated as the acquisition cost. Therefore, out of the 200 shares on 2023-06-20, 100 shares are considered to have been sold through the sell transaction on 2023-09-10. Accordingly, extracting the information on acquired shares from the user's trading account yields Figure 5.

[0069] Next, the unit price ranking search unit (34) sets a ranking (or unit price ranking) for each of the extracted acquired stock information in order of highest acquisition unit price.

[0070] Figure 6 shows the ranking (or unit price ranking) of each acquired stock based on the acquisition unit price in the acquisition information of the current holdings. As shown in Figure 6, the highest acquisition unit price was 150 won for 100 shares on 2023-09-25, followed by 200 shares at 140 won on 2023-08-15. The next rankings were 100 shares at 130 won on 2023-08-30 and 200 shares at 120 won on 2023-07-01, respectively, and the lowest unit price was 100 shares at 100 won on 2023-06-20.

[0071] Additionally, the unit price ranking search unit (34) can set the ranking to be sorted according to the expected selling volume. The lowest ranking is determined by the sum of the top-ranked acquired shares being greater than the expected selling volume and having the smallest sum of acquired shares. This is referred to as the sorting request ranking. For example, if the expected selling volume is 400 shares, the sum of the acquired shares from 1st to 3rd place is 400 shares, so the sorting request ranking corresponds to 3rd place. That is, by sorting only up to 3rd place, the expected selling volume can be sold with the smallest possible capital gain.

[0072] Next, the scenario creation unit (35) creates a transaction scenario to sort according to the searched unit price ranking.

[0073] A trading scenario consists of transactions (deposit and withdrawal transactions) for depositing or withdrawing from a user's trading account to a virtual account, from a virtual account to a trading account, or from a virtual account to another virtual account. Preferably, each deposit and withdrawal transaction in the trading scenario is executed sequentially.

[0074] Preferably, the scenario creation unit (35) simulates the process of sorting acquired stocks in order of unit price using the user's trading account and virtual account, and creates a trading scenario for outgoing / incoming transactions from one account to another account processed during the simulation process. The simulation process is described below.

[0075] The user's securities account used here consists of one trading account and N virtual accounts. The N virtual accounts are considered to consist of the first virtual account, the second virtual account, ..., the Nth virtual account. If the first or second virtual account, etc., is used for a special purpose, the rest are to be referred to as the remaining virtual accounts.

[0076] Meanwhile, transaction scenarios differ depending on whether the FIFO or LIFO method is used.

[0077] First, I will explain the First-In, First-Out method.

[0078] Acquired shares are transferred sequentially from the trading account (first remaining account) to the first virtual account (second remaining account) via deposit and withdrawal in order of date (time). At this time, the top N-1 acquired shares are moved (withdrawn / included) to the N-1 remaining virtual accounts respectively. Then, shares ranked from 1st to N-1th in unit price are each moved one by one to the N-1 remaining virtual accounts, and all remaining acquired shares ranked lower than that are moved to the first virtual account.

[0079] Next, the acquired shares are moved from the remaining N-1 virtual accounts to the trading account in order of rank. That is, the acquired shares from the 1st-ranked remaining virtual account are moved to the trading account, then the 2nd-ranked ones, and so on, sequentially up to the 3rd-ranked ones, ..., up to the N-1st-ranked ones. The N-1 acquired shares are sorted in the trading account.

[0080] Then, the remaining acquired shares are moved from the first virtual account to the trading account. This sorts the N-1 acquired shares from the original trading account.

[0081] Meanwhile, to re-sort the remaining acquired shares in the first virtual account, the shares in the first virtual account are re-sorted without moving the remaining acquired shares to the trading account. Specifically, the first virtual account is set as the first remaining account and the second virtual account is set as the second remaining account, and the remaining acquired shares can be sorted in the manner described above. At this time, the trading account is set as the sorting account, and the acquired shares with the highest unit price (highest rank) among the first remaining accounts are moved to the sorting account. Then, by moving each of the acquired shares contained in the remaining virtual accounts to the sorting account in order of rank, the remaining N-2 shares are sorted. By repeating this process, all acquired shares can be sorted.

[0082] Next, the LIFO method will be explained.

[0083] Acquired shares are transferred sequentially from the trading account (first remaining account) to the first virtual account (second remaining account) via deposit and withdrawal in order of date (time). At this time, the top N-1 acquired shares are moved (withdrawn / included) to the N-1 remaining virtual accounts respectively. Then, shares ranked from 1st to N-1th in unit price are each moved one by one to the N-1 remaining virtual accounts, and all remaining acquired shares ranked lower than that are moved to the first virtual account.

[0084] At this point, the virtual account with the highest rank is designated as the second virtual account (sorting account), and acquired shares from the remaining N-2 virtual accounts are moved to the sorting account in rank order. N-1 acquired shares are sorted in the sorting account.

[0085] Then, the remaining acquired shares are moved from the first virtual account to the trading account, and N-1 acquired shares from the sorting account are moved to the trading account. Consequently, the N-1 acquired shares in the original trading account are sorted in reverse order.

[0086] Meanwhile, to reorder the remaining acquired shares in the first virtual account, the acquired shares in the first virtual account are reordered without moving the remaining acquired shares or the acquired shares in the sorting account to the trading account. Specifically, the first virtual account is set as the first remaining account, the third virtual account is set as the second remaining account, and the trading account is used like the remaining virtual account. Then, the remaining quantity can be sorted in the manner described above. At this time, the acquired share with the highest unit price (highest rank) among the first remaining accounts is moved to the sorting account. Then, by moving each acquired share contained in the remaining virtual account to the sorting account in order of rank, the remaining N-2 shares are sorted. By repeating this process, all acquired shares in the sorting account can be sorted. Finally, by moving all acquired shares from the sorting account to the trading account, they are sorted in reverse order.

[0087] Additionally, the scenario creation unit (35) can output the created scenario. The user can refer to the output scenario and perform transactions directly in their securities account.

[0088] Meanwhile, preferably, sorting is performed only up to the sorting request rank M based on the expected selling volume. That is, if N-1 is greater than M, the number of remaining virtual accounts is limited to M. Additionally, even when sorting the remaining volume, the number of accounts to be sorted can be calculated by taking into account the already sorted ranks, and sorting can be performed using only that number of remaining virtual accounts.

[0089] Next, the scenario execution unit (36) executes the written scenario.

[0090] That is, the scenario execution unit (36) processes outbound and inbound transactions according to the written scenario in accordance with the user's execution command. Specifically, the scenario execution unit (36) processes inbound and outbound transactions from one securities account (trading account or virtual account) to another securities account (trading account or virtual account) according to the written scenario.

[0091] At this time, preferably, the scenario execution unit (36) can process outflow / inflow for the user's securities account by linking with the securities company server (50).

[0092] In addition, the scenario execution unit (36) can output the executed result.

[0094] Next, the process of arranging acquired shares according to the first-in, first-out method according to an embodiment of the present invention will be explained with reference to FIGS. 7 to 11.

[0095] As shown in FIG. 7, the trading account is set as the first remaining account, the first virtual account is set as the second remaining account, and the second virtual account is set as the sorting account (S10). This is the same as the example in FIG. 9.

[0096] Next, the acquired stocks are selected in the order of date (time) of the first remaining account and deposited into the sorting account, the remaining virtual account, and the second remaining account according to the rank (the unit price rank of the acquired stock within the first remaining account) (S20). In particular, as shown in FIG. 8, if the acquired stock is in the highest rank, it is moved to the sorting account (S22, S23), and if it is within the N-1 rank of the next rank, it is moved to the remaining virtual account (S24, S25), and the remainder are deposited into the second remaining account (S26). For all acquired stocks in the first remaining account, the above method is repeated to withdraw and deposit them into other accounts. The result of classifying and depositing the first remaining account (trading account) of FIG. 9 is shown in FIG. 10.

[0097] Next, it is determined whether the first remaining account is a trading account (S30).

[0098] If it is a trading account, that is, in the case of initial sorting, the acquired shares of the sorting account and the remaining virtual accounts are sequentially transferred to the trading account in order of highest unit price ranking (S41). Then, the trading account is set as the sorting account, the first virtual account is set as the first remaining account, and the second virtual account is set as the second remaining account (S42). FIG. 11 shows the sorted state with the trading account as the sorting account, and indicates that the remaining acquired shares are held in the first virtual account (first remaining account).

[0099] If it is not a trading account, and it is sorted by the second or higher, the acquired shares of the remaining virtual accounts are sequentially transferred to the sorted accounts in order of highest unit price (S51). Then, the first remaining account is set as the second remaining account, and the second remaining account is set as the first remaining account (S52).

[0100] Next, check if the total sorted acquired shares are at least the requested rank M (S60). If they are, sequentially transfer all acquired shares from the first remaining account to the trading account and terminate (S70). Otherwise, repeat the process from step S20.

[0101] Next, the process of arranging acquired shares according to the first-in, first-out method according to an embodiment of the present invention will be explained with reference to FIGS. 12 to 14.

[0102] As shown in FIG. 12, the trading account is set as the first remaining account, the first virtual account is set as the second remaining account, and the second virtual account is set as the sorting account (S110). This is the same as the example in FIG. 9.

[0103] Next, the stocks acquired by date are selected in reverse order of the date (time) of the first remaining account and deposited into the sorting account, the remaining virtual account, and the second remaining account according to the rank (rank of the unit price of the stocks acquired within the first remaining account) (S120). Since it is a last-in, first-out method, the stocks acquired on the most recent date (time) must be withdrawn first. This process is identical to the first-in, first-out method shown in Fig. 8. The result of classifying and depositing the first remaining account (trading account) of Fig. 9 is shown in Fig. 13.

[0104] Next, it is determined whether the first remaining account is a trading account (S130).

[0105] If it is a trading account, that is, if it is initially sorted, the acquired shares of the remaining virtual accounts are sequentially deposited into the sorting account in order of highest unit price ranking (S141). Then, the trading account is set as the remaining virtual account, the first virtual account is set as the first remaining account, and the third virtual account is set as the second remaining account (S142). FIG. 14 shows the sorted state in the sorting account and the state of the remaining acquired shares in the first virtual account (first remaining account).

[0106] If it is not a trading account, and it is sorted by the second or higher, the acquired shares of the remaining virtual accounts are sequentially deposited into the sorted accounts in order of highest unit price (S151). Then, the first remaining account is set as the second remaining account, and the second remaining account is set as the first remaining account (S152).

[0107] Next, check if the total sorted acquired shares are at least the requested rank M (S160). If they are, sequentially transfer all acquired shares from the first remaining account to the trading account, sequentially transfer all acquired shares from the sorted account to the trading account by date (time), and terminate (S170). Otherwise, repeat the previous process starting from step S120.

[0108] Although the invention made by the inventor has been specifically described above according to the embodiments, the invention is not limited to the above embodiments and can be modified in various ways without departing from the gist thereof. Explanation of the symbols

[0109] 10 : User Terminal 20 : Trading Client 30 : Management System 30a : Management Client 30b : Management Server 31 : Account Management Department 32: Transaction Information Collection Department 33: Request Reception Department 34: Unit Price Ranking Search Section 35: Scenario Writing Section 36: Scenario Execution Section 40 : Database 50 : Securities firm server 80 : Network

Claims

Claim 1 delete Claim 2 delete Claim 3 delete Claim 4 In a sorting-based stock account management system for minimizing capital gains tax, the system comprises: an account management unit that registers and manages a user’s trading account and N virtual accounts (N is a natural number greater than or equal to 3) for said trading account; a transaction information collection unit that collects transaction information from said trading account; a request reception unit that receives a request from a user for a sorting method for the trading account; and a unit price ranking search unit that extracts only information on acquired stocks regarding the remaining quantity of the corresponding stock in said trading account, and searches for the unit price ranking of each of all acquired stocks from the extracted information on acquired stocks, wherein said information on acquired stocks consists of the acquisition time, acquisition unit price, and acquisition quantity.And, the method includes a scenario creation unit that simulates the process of sorting acquired stocks in order of acquisition unit price using the above trading account and virtual account, and creates transaction scenarios for outgoing and incoming transactions from one account to another processed during the simulation process. The scenario creation unit moves acquired stocks from the above trading account to the first virtual account, which is one of the N virtual accounts, sequentially in chronological order through incoming and outgoing transactions, while moving the top-ranked N-1 acquired stocks one by one to the remaining N-1 virtual accounts, and sorts the acquired stocks by re-depositing the acquired stocks from the remaining virtual accounts into the trading account in order of unit price ranking. In the case of a first-in, first-out method, the scenario creation unit moves acquired stocks from the above trading account to the first virtual account sequentially in chronological order through incoming and outgoing transactions, while moving the top-ranked N-1 acquired stocks to the remaining N-1 virtual accounts, moving acquired stocks from the remaining N-1 virtual accounts into the trading account in order of ranking, and moving the remaining acquired stocks from the first virtual account to the trading account. A sorting-based stock account management system for minimizing capital gains tax, characterized in that, when the scenario creation unit rearranges the remaining acquired shares in the first virtual account, it does not move the remaining acquired shares to the trading account but rearranges the acquired shares in the first virtual account, wherein the first virtual account is set as the first remaining account and a second virtual account different from the first virtual account among the N virtual accounts is set as the second remaining account to sort the remaining amount, the trading account is set as the sorting account to move the acquired shares with the highest rank among the first remaining accounts to the sorting account, and the acquired shares contained in the remaining virtual accounts are moved to the sorting account in order of rank to sort, and all acquired shares are sorted by repeating the process. Claim 5 delete Claim 6 In a sorting-based stock account management system for minimizing capital gains tax, the system comprises: an account management unit that registers and manages a user’s trading account and N virtual accounts (N is a natural number greater than or equal to 3) for said trading account; a transaction information collection unit that collects transaction information from said trading account; a request reception unit that receives a request from a user for a sorting method for the trading account; and a unit price ranking search unit that extracts only information on acquired stocks regarding the remaining quantity of the corresponding stock in said trading account, and searches for the unit price ranking of each of all acquired stocks from the extracted information on acquired stocks, wherein said information on acquired stocks consists of the acquisition time, acquisition unit price, and acquisition quantity.And, the method includes a scenario creation unit that simulates the process of sorting acquired stocks in order of acquisition unit price using the above trading account and virtual account, and creates transaction scenarios for outgoing and incoming transactions from one account to another processed during the simulation process; the scenario creation unit moves acquired stocks from the above trading account to the first virtual account, which is one of the N virtual accounts, sequentially in chronological order through incoming and outgoing transactions, moves the top N-1 acquired stocks one by one to the remaining N-1 virtual accounts, and sorts the acquired stocks by re-depositing the acquired stocks from the remaining virtual accounts into the trading account in order of unit price ranking; and in the case of a Last-In, First-Out (LIFO) method, the scenario creation unit moves acquired stocks from the above trading account to the first virtual account sequentially in chronological order through incoming and outgoing transactions, moves the top N-1 acquired stocks to the remaining N-1 virtual accounts, moves the remaining acquired stocks from the first virtual account to the trading account, and sorts the acquired stocks from the N-1 remaining virtual accounts into the trading account in order of ranking. A sorting-based stock account management system for minimizing capital gains tax, characterized in that, in order to re-sort the remaining acquired shares in the first virtual account, the scenario creation unit re-sorts the acquired shares in the first virtual account without moving the remaining acquired shares or the acquired shares in the sorting account to the trading account, wherein the first virtual account is set as the first remaining account, a third virtual account different from the first or second virtual account among the N virtual accounts is set as the second remaining account, the trading account is used like the remaining virtual account, sorts based on the remaining amount, moves the acquired shares contained in the remaining virtual account to the sorting account in order of rank, and repeats the sorting process to sort the acquired shares in the sorting account, and moves all acquired shares in the sorting account to the trading account to sort them in reverse order. Claim 7 A sorting-based stock account management system for minimizing capital gains tax, characterized in that, in paragraph 4 or 6, the request receiving unit receives input from the user the quantity of stocks to be sold in the trading account (hereinafter referred to as the estimated quantity of sales), the unit price ranking search unit finds the lowest rank having the smallest sum of acquired stocks while the sum of acquired stocks in the upper order is greater than the estimated quantity of sales, and sets a sorting request rank M, and the scenario creation unit sorts only up to the sorting request rank M.

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