JP2001338125A - Financial service system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a financial service system capable of satisfying various customer's needs concerned with financial service through a network such as the Internet. SOLUTION: An electronic bank center 1 connected to a customer terminal group 3 through the network 2 is provided with a service layer 20 consisting of a financial portal processing part 220 for receiving an access to the terminal group 3 and transmitting/receiving information concerned with the business of a financial entrepreneur and an EC community processing part 230 for transmitting/receiving information concerned with the business of a non-financial entrepreneur, an electronic bank core processing part 210 for receiving the access to the terminal groups 3 and executing bank business in cooperation with the service layer 20, and a common layer 30 for storing and managing at least customer information and knowledge management information in cooperation with the service layer 20 and the processing part 210.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to a financial service system for providing financial services via a network such as the Internet.

[0002]

2. Description of the Related Art Recently, in marketing methods, O
net to one marketing, one-stop shopping, B to B (direct business-to-business), B t
There is an active movement to efficiently realize oC (direct business-to-consumer transactions) via a network such as the Internet.

[0003] In many cases, such trends are to be realized under the operation of each article manufacturer or service company or the operation of a communication company.

[0004]

However, the marketing of tangible goods by goods manufacturers or the marketing of intangible goods by service providers is not easy for individuals who enjoy goods or services to search and operate. While there are many cases in which the content is not satisfied or desired to be enjoyed, it is considered that the marketing method described above is also poor for the business operator.

[0005] In particular, with regard to intangible products, especially financial products and services and goods, it has been desired to develop a new and useful method from a marketing standpoint or to improve the quality of life for individual consumers. .

An object of the present invention is to provide a financial service system capable of satisfying various customer needs for financial services via a network such as the Internet.

[0007]

According to a first aspect of the present invention, there is provided a financial service system including an electronic bank center connected to a group of customer terminals via a network. , Which receives access to the customer terminal group, from a financial portal processing unit for transmitting and receiving information relating to the business of the financial business operator and an EC community processing unit for transmitting and receiving information relating to the business of the non-financial business. A service layer, an electronic bank core processing unit that receives access to the customer terminal group and cooperates with the service layer, and performs a banking operation by telecommunication means; and the service layer and the electronic bank core processing unit. A common layer that cooperates and at least stores and manages customer information and knowledge management information Financial services system characterized by comprising a.

[0008] The invention according to claim 2 is characterized in that the customer related to the customer terminal group in claim 1 is registered as a member related to the financial portal processing unit and the EC community processing unit.

According to a third aspect of the present invention, the financial portal processing unit in the service layer according to the first or second aspect allows the customer to browse a homepage of a financial company registered as a partner in the financial portal processing unit. Financial portal homepage service unit, various information service units for presenting information from the partner-registered financial business operator to the customer, and general customer service for providing a simulation service to the customer who is not a member registered in the financial portal Department, a member customer-only service department that provides financial services and financial portal partner information to customers who are members registered in the financial portal to the registered customers, and a member registration or non-registration in the financial portal. Provide members or non-member attributes and future life At least one of a simulation service department that provides financial asset portfolio simulation services from financial institutions and a financial one-stop shopping service department that presents link guidance and introduction pages for financial portal partners or non-partners related to financial one-stop shopping It is characterized by having.

[0010] According to a fourth aspect of the present invention, the EC community processing section in the service layer according to any one of the first to third aspects comprises: an EC community homepage service section for providing a homepage for introducing an EC community partner; Various information service departments that provide various information pages provided by EC community partners, general customer service departments that provide keyword search services related to products etc. for customers who are not registered as EC communities, A member customer-dedicated service department that provides product information and services to existing customers, and a one-stop shopping service department that presents link guides and introduction pages for EC community partners or non-partners related to one-stop shopping Characterized in that it comprises at least one of.

According to a fifth aspect of the present invention, the common layer according to any one of the first to fourth aspects, further comprising: a knowledge management service unit that performs a multidimensional analysis service based on the customer from the operation history and the transaction history. Security / authentication service unit that performs security check and member authentication access control, database management service unit that manages common management services for each service and attribute information and history information of customers, and a common database that stores various common data And at least one of the following.

According to a sixth aspect of the present invention, in the electronic bank center according to any one of the first to fifth aspects, the electronic bank center includes an identification selector for designating a service by the service layer and the electronic bank core processing unit. A member screen for displaying a group of identification selectors responding to access from the customer terminal group registered as a member, and a member registration among identification selectors for specifying a service by the service layer and the electronic bank core processing unit. And a means for generating a non-member screen displaying a group of identification selectors in response to access from the group of customer terminals that have not been performed.

According to a seventh aspect of the present invention, in the electronic bank center according to any one of the first to sixth aspects, a membership fee between the customer and the financial portal processing unit, a membership fee between the customer and the EC, A membership dues between the community processing unit, a partner dues between the financial portal partner and the financial portal processing unit, a partner dues between the EC community partner and the EC community processing unit, and A fee between the electronic bank core processing unit, a settlement fee between the financial portal partner and the electronic bank core processing unit,
A means for collecting at least one of a settlement fee between the C community partner and the electronic bank core processing unit is provided.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Preferred embodiments of a financial service system according to the present invention will be described below with reference to the drawings.

FIG. 1 shows the configuration of a financial service system according to the present embodiment, which controls the main functions of the present invention, and details are an electronic bank center 1 and a customer terminal group 3 shown in FIG. Are connected via a network 2 including a public telephone network, the Internet, a dedicated data network, and the like.

The electronic bank center 1 includes a financial portal business group 4 composed of various financial businesses and an EC (electric / electronic business) generally composed of various businesses that are non-financial businesses.
(Commerce) It is connected with communication software including a mail function, a schedule function, a chat function, and the like, and communication means such as a WWW server, a mail server, and a chat server so as to be able to communicate with the group 5 of community businesses.

Here, the customer terminal group 3 is a terminal related to a financial portal member, an EC community member, and a non-member.

The financial portal member is an electronic bank center 1
And / or the payment of the financial portal member contract and / or the membership fee of the financial portal member is made to the financial portal company group 4 and the necessary information is presented to the electronic bank center 1.

The EC community member receives the EC community member contract and / or the EC community membership fee from the electronic bank center 1 and / or the EC community business group 5, and presents necessary information to the electronic bank center 1. What you do. Non-members are those who have not paid for such contracts and dues.

Each of the financial companies that can be the financial portal company group 4 is provided with a financial portal partner contract and / or a financial portal partner dues with the electronic bank center 1, and necessary information for the electronic bank center 1, for example, customer information. , Knowledge management information, and product information.Specifically, banking companies, trust banking companies, securities companies, life insurance companies, non-life insurance companies, credit sales companies, pension management companies And the like.

Each of the potential EC community business groups 5 is provided with an EC community partner contract and / or EC community partner membership fee with the electronic bank center 1, and provides necessary information for the electronic bank center 1, for example, customers. Information, knowledge management information, and product information shall be presented. Specifically, travel operators, bookstore operators, ticket sellers, local specialty sellers, music distributors, ISPs (Internet
Service providers), mall operators and the like.

As shown in FIG. 2, the electronic bank center 1
Includes a communication layer 10 connected to the network 2, a service layer 20, an electronic bank core processing unit 210, and a common layer 30.

The communication layer 10 includes communication software incorporating a mail function, a schedule function, a chat function, and the like, and a WWW server 110, a mail server 120, and a chat server 130.

The electronic bank core processing unit 210 performs bank transactions via a network, typically the Internet, and includes a service layer 20 and a communication layer 10.
Is linked with the common layer 30 and the database 211
, And as shown in FIG. 3, the sites 210A, 2
10B and a basic service unit 212.

The basic service unit 212 provides basic services to individual customers by banks, such as deposits, loans, transfers, exchanges, and settlements, and includes deposits, loans, transfers, exchanges, settlements, and the like displayed on the screen. This is performed by clicking an identification selector for identifying

The service layer 20 includes a financial portal processing unit 220 and an EC community processing unit 230, and cooperates with the communication layer 10, the electronic bank core processing unit 210, and the common layer 30.

Here, the financial portal processing unit 220 displays and introduces financial products provided by the financial business operator, which is a financial portal partner, to the customer terminal group 3 via the network 2. And sites 220A, 220 as shown in FIG.
B, Financial Portal HP (Homepage) Service Department 22
2. Various information service section 223, general customer service section 2
24, a member customer exclusive service unit 225, a simulation service unit 226, and a financial one-stop shopping service unit 227, which are executed by clicking a corresponding identification selector.

The financial portal HP service section 222 provides a homepage for introducing each financial portal partner.

The various information service units 223 provide various information pages provided by the financial portal partners, and provide information pages, present links to homepages of the financial portal partners, introduce financial services, and the like. .

The general customer service unit 224 performs a simulation service described below for non-members of the financial portal.

The member customer dedicated service unit 225 is a service for financial portal members, for example, a member-only financial advice, an asset and portfolio management service, a simulation service described later, a search service for a desired product, and an agent service for executing various information transmissions. (Operation by the agent 250), a service for transmitting sales information to the member (personalization engine 240 operation), personalized using mail and a Web screen based on the member's action history, information registration and change, and the like.

The simulation service unit 226 provides the financial portal member or non-member with attributes such as the age or family structure of the member or non-member, financial status (current annual income, financial assets, real estate, borrowed money, etc.) and future life. The plan provides a simulation service for the financial asset portfolio based on the plan, and provides non-members with limited services. Note that the attributes and future life plans presented by the member or non-member are retained.

Here, as a member-only service, the member is provided with a portfolio trial calculation, a simulation result, an operational advice presentation, a financial product recommendation suited to the member's attribute, an operational advice and a financial product recommendation. As a result, guidance of financial products, guidance of personal pensions, and the like are made.

[0034] The financial one-stop shopping service section 227 includes a financial portal partner or non-partner link guide for financial one-stop shopping,
It presents an introduction page, and the store (electronic store) related to the shopping exists on a server of a financial portal partner or a non-partner.

On the other hand, the EC community processing unit 230
In general, it supports comprehensive life and economic activities at an individual level other than financial services, and includes a database 231 and, as shown in FIG. 5, sites 230A and 230B, an EC community HP service department. 232, various information service units 233, a general customer service unit 234, a member customer exclusive service unit 235, and a one-stop shopping service unit 236, which are executed by clicking the corresponding identification selector.

EC Community HP Service Unit 232
Provides a homepage that introduces each EC community partner.

The various information service units 233 provide various information pages provided by the EC community partners, and provide information pages, present links to websites of EC community partners, introduce EC community partners, and the like. Will be

The general customer service unit 234 provides a keyword search service for merchandise and the like to non-EC community members.

The member customer exclusive service unit 235 is a service for EC community members, for example, based on member-only bargain product advice and member's action history, is provided with personalized sales information to members using e-mails and Web screens. An outgoing service (operation by the personalization engine 240), information registration, change, and the like are performed.

One-stop shopping service section 23
6 presents a link guide and an introduction page of the EC community partner or non-partner related to the one-stop shopping, and the store (electronic store) related to the shopping exists on the server of the EC community partner or the non-partner. .

The common layer 30 includes a knowledge management service section 310 for providing a multidimensional analysis service based on the customer from the operation history and transaction history, a security / authentication service section 320 for performing security check and member authentication access control, DB management service unit 33 that manages common management services and attribute information and history information of customers
0, including the common database 340 that actually stores the various types of common data described above, and cooperated with the service layer 20 and the electronic bank core processing unit 210.

The electronic bank center 1 has a personalization engine 240, an agent 250, and a mail function 260.

Next, referring to FIG. 6, financial portal processing section 220 under the configuration of the financial service system described above.
A specific example of a service mainly including the common layer 30 will be described. Processes PA1 to PA13 described below include a database 221 and a financial portal HP service unit 22 shown in FIGS. 2 and 4 provided in the financial portal processing unit 220.
2. Various information service section 223, general customer service section 2
24, a member customer exclusive service unit 225, a simulation service unit 226, and a financial one-stop shopping service unit 227, which will be described in detail below.

Process PA1 shows a service for financial portal non-members. Non-members among customers operate their terminals, reach the electronic bank center 1 via the network 2, and via the communication layer 10. Arrives at the financial portal processing unit 220. Here, the non-member screen 228B is reached via the initial screen 228A in the Web screen 228.

Process PA2 indicates a service for the financial portal member, and the member operates the terminal of the customer, arrives at the electronic bank center 1 via the network 2 in the same manner as described above, and establishes the communication layer 10. Arrives at the financial portal processing unit 220 via the Internet. Here, Web screen 2
Initial screen 228A in FIG. 28 and the customer D of the common layer 30
The member screen 228C is reached via B340A.

Process PA3 indicates a service for a non-member of the financial portal to be registered as a member, and operates its terminal to reach the electronic bank center 1 via the network 2 in the same manner as described above. Arrives at the financial portal processing unit 220 via the Internet. Here, the initial screen 228A and the attribute registration screen 228D in the Web screen 228
To the customer DB 340A of the common layer 30 via the.

Process PA4 indicates a service for the financial portal member. When the member screen 228C is reached, a simulation service can be received by the member simulator 229A of the simulator 229. In this case, the member simulator 229A is the knowledge management database 3 of the common layer 30.
By receiving and transmitting information via 40B, a financial asset portfolio simulation service is provided based on the attributes of members and future life plans.

Process PA5 shows the service for the financial portal member, and when the member screen 228C is reached, the knowledge management database 340B of the common layer 30, the agent 250, the product database 340C of the common layer 30, the mail function By passing through 260, the member can receive the service by the member customer exclusive service unit 225.

Process PA6 indicates a service for the financial portal non-member, and when the non-member screen 228B is reached, the simulation service can be received by the non-member simulator 229B among the simulators 229. In this case, the non-member simulator 2
The 29B receives and transmits information via the knowledge management database 340B of the common layer 30, so that a simulation service in which the simulation for members of the financial asset portfolio is limited based on the attributes of the members and the future life plan is performed.

Processing PA7 indicates the supply of personalization data from the terminal (affiliated business operator terminal) 6 of the financial portal member to the personalization engine 240.

Process PA8 shows the supply of product data from the database 6C of the terminal (affiliated business operator terminal) 6 of the financial portal member to the product database 340C of the common layer 30.

Process PA9 generally indicates a service for financial portal members, and stores sales information generated by personalization engine 240 in customer database 340A of common layer 30 and product database 3
The information can be presented to the member of the customer 3 via the 40C, the engine 240, and the mail function 260.

The processing PA 10 shows the member's access to the terminal (affiliated business operator terminal) 6 of the financial portal member, and the home page 6 A of the affiliated business operator terminal 6,
In the settlement unit 6B, for example, a financial product is purchased, and the settlement unit 6B
As a result of the passage, necessary processing is performed on a homepage serving as the basic service unit 212 of the electronic bank core 210, for example, a transfer to the partner business operator terminal 6 and the like are performed.

In the process PA11, the partner list screen 228E and the partner company terminal 6 are linked to the initial screen 228A in the Web screen 228, and the partner is presented to the member or the non-member. .

The processing PA12 is performed by the electronic bank core processing unit 2
10 shows processing for managing customer information in the tenth database 211 and customer information in the customer database 340A of the common layer 30 with a common identifier.

The process PA13 shows a process of managing customer information in the database 231 of the EC community processing unit 230 and customer information in the customer database 340A of the common layer 30 with a common identifier.

Next, referring to FIG. 7, the EC community processing unit 2 under the configuration of the financial service system described above.
A specific example of a service mainly composed of the common layer 30 and the common layer 30 will be described. Processes PB1 to PB12 described below are E
The database 231, the EC community HP service unit 232, the various information service units 233, the general customer service unit 234, the member customer exclusive service unit 235, and the one-stop shopping service unit shown in FIGS. 236, and will be described in detail below.

The process PB1 shows a service for EC community non-members. Non-members among the customers operate their terminals, reach the electronic bank center 1 via the network 2, and via the communication layer 10. Arrives at the EC community processing unit 230. Here, site 230
A, 230B, initial screen 23 in Web screen 237
The non-member screen 237B is reached via 7A.

The process PB2 shows a service for the EC community member. The member operates the terminal of the customer, arrives at the electronic bank center 1 via the network 2 in the same manner as described above, and establishes the communication layer 10. EC through
Arrives at the community processing unit 230. Here, We
Initial screen 237A in b screen 237 and common layer 30
Reaches the member screen 237D via the customer DB 340A.

Process PB3 is an EC to be registered as a member.
A service for a community non-member is shown, and the terminal is operated to reach the electronic bank center 1 via the network 2 and the EC community processing unit 230 via the communication layer 10 in the same manner as described above. here,
The customer DB 340A of the common layer 30 via the initial screen 237A in the Web screen 237 and the attribute registration screen 237E
To reach.

The process PB4 generally indicates a service for EC community members, and is displayed on the Web screen 23.
7 from the keyword search screen 237C to the keyword search unit 238 and the product database 340 of the common layer 30.
A keyword search for a product is received via C.

The process PB5 shows a service for the EC community member, and when the member screen 237D is reached, the knowledge management database 340B of the common layer 30, the agent 250, the product database 340C of the common layer 30, the mail function 26
By passing through 0, the member can receive the service by the member customer exclusive service unit 235.

The process PB6 shows the supply of personalization data from the terminal (for example, mall operator terminal) 7 of the EC community member to the personalization engine 240.

The process PB7 is a database 7 of a terminal (for example, a mall operating company terminal) of an EC community member.
The supply of the product data from C to the product database 340C of the common layer 30 is shown.

The process PB8 generally indicates a service for the EC community member. The sales information generated by the personalization engine 240 is transmitted to the customer database 340A, the product database 340C, the engine 240, and the mail function 260 of the common layer 30. Thus, it can be presented to the member of the customer 3.

The process PB9 indicates an access by a member to a terminal (for example, a mall operator terminal) 7 of the EC community member. Purchasing and passing through the settlement section 7B, the electronic bank core 2
Necessary processing such as a transfer to the mall operator terminal 7 is performed on a home page that serves the ten basic service units 212.

In the processing PB10, the partner list screen 237F and the mall operating company terminal 7 are linked to the initial screen 237A in the Web screen 237, and the partner is presented to the member or non-member. .

The processing PB11 is performed by the electronic bank core processing unit 2
10 shows processing for managing customer information in the tenth database 211 and customer information in the customer database 340A of the common layer 30 with a common identifier.

The processing PB 12 is the financial portal processing section 22
0 shows a process of managing customer information in the database 221 of the common layer 30 and customer information in the customer database 340A of the common layer 30 with a common identifier.

Next, with reference to FIG. 8, an example of a service provided by the EC community processing unit 230 will be described with reference to FIG. 8 showing a screen change. This process is mainly performed by the member customer exclusive service unit 235 and the one-stop shopping service unit 236. That is, E
By operating the customer terminal 3 that is a C community member, the customer terminal 3 reaches the electronic bank center 1 via the network 2 and reaches the EC community processing unit 230 via the communication layer 10. Here, the initial screen 23 in the Web screen 237
The member screen 237D is reached via 7A and the customer DB 340A of the common layer 30. Then, a keyword search (processing operation 40) for a product can be performed from the keyword search screen 237C via the keyword search unit 238 and the product database 340C of the common layer 30.

Here, when the member operates the customer terminal 3 to input conditions such as a product name and a keyword (processing operation 41), the keyword search unit 238 operates and displays the search result (processing operation 42). ).

On the other hand, the personalization engine 24
0 and the operation of the agent 250, the processing operation 5
As 0 and 60, the search result (processing operation 52) supported by the condition input (processing operation 51) via the agent 250 is created, and One to On is appropriately performed.
e Sales information presentation (processing operation 61) is created,
These are individually or combined and presented as a processing operation 70 including a detailed description of the product (processing operation 71), a purchase button (processing operation 72), and a payment page (processing operation 73). Will be acceptable.

Next, specific examples of various service modes provided by the financial service system of the present embodiment will be described. Here, by referring to the diagrams shown in FIGS. 9 to 18 showing examples of changes in screen operation by a customer who is a member or a non-member,
7 specifically describes services provided by the financial portal processing unit 220 and the common layer 30 shown in FIG. 6 and services provided by the EC community processing unit 230 and the common layer 30 shown in FIG.

First, the processing PA1, PA shown in FIG. 6 or FIG.
2. With PB1 or PB1, a member or a non-member customer operates the terminal 3 to reach the electronic bank center 1 via the network 2, and via the communication layer 10 the financial portal processing unit 220 or the EC community processing unit Arrives at 230. Here, the member screens 228C and 237D via the initial screen 237A in the Web screen 237 shown in FIG.
Top page 400A or non-member screen 2 shown in FIG.
The top page 400B of 28B, 237B is reached.

The top page 40 for the member shown in FIG.
In 0A, the details of the screen change when receiving the service are shown in FIG.
1, the details of the screen change when receiving the service are shown in FIG. 12, the purpose-specific navigation items 420 shown in FIG. 12, and the details of the screen change when receiving the service are shown in FIG. Details of item 430 and screen changes when receiving service are shown in FIG.
4, a personal portfolio item 450, a simulation item 460, an investment trust product detail search item 470, and a ranking item 480 shown in FIG. The details of the screen change when receiving the service are shown in FIG. 16, the details of the new product item 490 are shown in FIG. 16, the details of the screen change when receiving the service are shown in FIG. Details of the seasonal push item 510 shown in FIG.
And guidance information item 520 for screen operation, customer-specific information item 530 such as guidance of a use privilege to the member customer (for example, presentation of the number of points), and time information such as XX days after the 21st century. There are provided an item 540 and a market information item 550 such as a market price and a day-to-day ratio of individual issues in stock trading.

The top page 400B for non-members shown in FIG.
Same item as A, but top page 40 for members
There is a non-member bargain information item 500 'and a customer-specific information item 530' at 0A.

When the customer operates the free word search item 410 shown in FIG. 11 (a) or (b) on the member top page 400A or the non-member top page 400B, as shown in FIG. Search results are shown by the financial portal site database 221 and the EC community database 231 based on the category. The customer can transfer to another page by referring to the search result item.
By presenting the RL, the customer can transfer to a required page or site, and can receive a desired service on the page or site.

When the customer operates the purpose-specific navigation item 420 shown in FIG. 12 (a) or (b) on the member top page 400A or the non-member top page 400B, as shown in FIGS. 12 (c) and (d), Financial portal site database 221 and EC community database 231 based on the entered words and categories
Indicates a search result. By referring to this search result item, the customer can transfer to the free word search described above as shown in another page or (e),
It is possible to receive a desired service on the transferred page or site.

FIG. 13 is a diagram showing a change in a screen when a member or non-member receives a service of a partner list item.

When the customer operates the partner list item 430 shown in FIG. 13A or 13B on the member top page 400A or the non-member top page 400B, as shown in FIG. 13C, the financial portal site database 221 and EC Community Database 23
Reference numeral 1 indicates information about a store or the like that is a financial or non-financial partner. By referring to this information item, the customer can transfer to another page or another URL site, and receive a desired service on the transferred page or site.

FIG. 14 is a diagram showing a change in a screen when a service of a service package item is received by a member or a non-member.

When the customer operates the service package item 440 shown in FIG. 14A or 14B on the member top page 400A or the non-member top page 400B,
As shown in FIGS. 14C and 14D, information on services or goods related to the service package is indicated by the financial portal site database 221 and the EC community database 231. By referring to this information item, the customer can transfer to another page or another URL site, and receive a desired service on the transferred page or site.

When the customer who is a member operates the ranking item 480 shown on the member top page 400A, as shown in FIG. 15, the financial portal site database 221 is displayed.
The EC community database 231 indicates information on services or articles related to various rankings.
By referring to this information item, the customer can transfer to another page or another URL site, and receive a desired service on the transferred page or site.

When the customer operates the new product item 490 shown in FIG. 16 (a) or (b) on the member top page 400A or the non-member top page 400B, FIG. 14 (c)
As shown in the figure, the financial portal site database 22
1 and EC community database 231 indicate information on services or goods relating to the new product. By referring to this information item, the customer can transfer to another page or another URL site, and receive a desired service on the transferred page or site.

FIG. 17 is a diagram showing a change of a screen when a service of a bargain information item is received by a member or a non-member.

The customer can purchase the bargain information item 500 shown in FIG. 16A on the member top page 400A of the member top page 400A or the bargain information new product item 500 'shown in FIG. 16B on the non-member top page 400B. When operated, as shown in FIG. 16C, the financial portal site database 221 and the EC community database 231 show information on services or goods related to bargain information. By referring to this information item, the customer can transfer to another page or another URL site, and receive a desired service on the transferred page or site.

FIG. 18 is a diagram showing a change in a screen when a seasonal push item service is received by a member or a non-member.

When the customer operates the seasonal push item 510 shown in FIG. 14A or 14B on the member top page 400A or the non-member top page 400B,
As shown in FIGS. 17 (c) to 17 (f), the financial portal site database 221 and the EC community database 231 indicate information on services or goods related to the seasonal push. By referring to this information item, the customer can transfer to another page or another URL site, and receive a desired service on the transferred page or site.

It should be noted that whether each service in the financial service system of the present embodiment is set to a paid service or a free service can be appropriately selected. For example, FIG.
9 illustrates a case where a membership fee, a fee, and the like can be set. The collection of dues and fees described below generally involves:
It is performed collectively by the management department in the electronic bank center 1.

In FIG. 19, the customer 3 pays a fund profit or a commission profit to the electronic bank core processing section 210, which is used for the operation of the electronic bank core processing section 210 and becomes a profit of the financial service system.

The customer 3 who has registered as a member of the financial portal pays a membership fee to the financial portal processing unit 220, which is used for the operation of the financial portal processing unit 220 and becomes a profit of the financial service system.

Customer 3 registered as a member in the EC community
Pays the membership fee to the EC community processing unit 230, which is used for the operation of the EC community processing unit 230 and becomes a profit of the financial service system.

A bank operator or the like who is a financial portal partner who has made a partner contract with the financial portal pays a partner dues to the financial portal processing unit 220, and these are used for the operation of the financial portal processing unit 220 and the revenue of the financial service system is increased. Becomes

A non-financial business operator or the like, which is an EC community partner who has contracted with the EC community, pays a partner dues to the EC community processing section 230, and these are used for the operation of the EC community processing section 230 and the financial service system of the present financial service system. Earnings.

The financial company or the like contracted with the electronic bank core pays a settlement fee to the electronic bank core processing unit 210 for each of one settlement, a plurality of settlements, and settlement within the period generated by the exchange of services between the customer 3 and the partner. It is provided to the operation of the electronic bank core processing unit 210 and is a profit of the financial service system.

The non-financial business operator or the like contracted with the electronic bank core pays a settlement fee to the electronic bank core processing section 210 for each of one settlement, a plurality of settlements, and settlement within the period generated by the exchange of services between the customer 3 and the partner. Is provided to the operation of the electronic bank core processing unit 210 and is a profit of the financial service system.

As described above, according to the present embodiment, a customer who is a member or a non-member arrives at the electronic bank center 1 via the network 2 by operating the terminal 3 and via the communication layer 10. Financial portal processing unit 220
Alternatively, the user can arrive at the EC community processing unit 230, and by arriving at the member-specific or non-member-specific top pages 400A and 400B, the information can be transferred to another page or the like by search or reference information. With the presentation of the URL, the customer can transfer to a required page or site, and can receive a desired service on the page or site.

[0098]

As described above, according to the present invention, it is possible to provide a financial service system capable of satisfying various customer needs for financial services via a network such as the Internet.

[Brief description of the drawings]

FIG. 1 is a configuration diagram showing a network system for realizing a financial service system according to the present invention.

FIG. 2 is a block diagram showing one embodiment of the financial service system according to the present invention, showing a detailed configuration of the electronic bank center in FIG. 1;

FIG. 3 is a configuration diagram of an electronic bank core processing unit in the embodiment.

FIG. 4 is a configuration diagram of a financial portal processing unit in the embodiment.

FIG. 5 is a configuration diagram of an EC community processing unit in the embodiment.

FIG. 6 is a diagram illustrating an example of a financial service mainly including a financial portal processing unit according to the embodiment, and illustrating a flow of operations and data processing.

FIG. 7 is a diagram illustrating an example of a financial service mainly including an EC community processing unit according to the embodiment, and illustrating a flow of operation and data processing.

FIG. 8 is a diagram showing an example of a financial service mainly including the EC community processing unit shown in FIG. 7, and showing a change in a screen as the operation and the process progress.

FIG. 9 is a view showing a screen of a top page for members.

FIG. 10 is a diagram showing a screen of a top page for non-members.

FIG. 11 is a diagram illustrating a change in a screen when a service of a free word search item is received by a member or a non-member.

FIG. 12 is a diagram showing a change in a screen when a service for a purpose-specific navigation item is received by a member or a non-member.

FIG. 13 is a diagram showing a change in a screen when a member or non-member receives a service of a partner list item.

FIG. 14 is a diagram showing a change of a screen when a service of a service package item is received by a member or a non-member.

FIG. 15 is a diagram showing a change in a screen when a member receives a ranking item service.

FIG. 16 is a diagram showing a change in a screen when a service of a new product item is received by a member or a non-member.

FIG. 17 is a diagram showing a change in a screen when a service of a bargain information item is received by a member or a non-member.

FIG. 18 is a diagram showing a change of a screen when a seasonal push item service is received by a member or a non-member.

FIG. 19 is a diagram showing a form of charging and fee collection in the financial service system according to the present invention.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 Electronic bank center 2 Network 3 Customer terminal group 4 Financial portal company group 5 EC community business group 6 Logistics company 7 ISP (Internet service provider) 8 Partner electronic mall 9 Convenience store 10 Communication layer 20 Service layer 30 Common Layer 110 WWW server 120 Mail server 130 Chat server 210 Electronic bank core processing unit 210A Electronic bank core site 210B Electronic bank core business processing site 211 Database 212 Basic service unit 220 Financial portal processing unit 220A Financial portal site 220B Financial portal business processing site 221 Database 222 Financial Portal Homepage (HP) Service Department 223 Various Information Service Department 224 General Customer Service Department 225 Member Advisor Customer service department 226 Simulation service department 227 Financial one-stop shopping service department 230 EC community processing department 230A EC community site 230B EC community business processing site 231 Database 232 EC community homepage (HP) service department 233 Various information service department 234 General customers Service Department 235 Member Customer Service Department 236 One-Stop Shopping Service Department 240 Personalization Engine 250 Agent 260 Email Function 310 Knowledge Management Service Department 320 Security / Authentication Service Department 330 DB Service Department 340 Common Database 340A Customer Database 340B Knowledge Management Database 340C Product Data Over the scan 400A member top screen 400B non-member top screen

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 400 G06F 17/60 400 502 502 (72) Inventor Hirofumi Takeuchi 1-1-1, Uchisaiwaicho, Chiyoda-ku, Tokyo No. 5 Inside Daiichi Kangyo Bank (72) Inventor Hideo Sakuramachi 1-1-5 Uchisaiwaicho, Chiyoda-ku, Tokyo Tokyo, Japan (72) Inventor Kenji Kato Uchiyukicho, Chiyoda-ku, Tokyo 1-1-5, Daiichi Kangyo Bank, Ltd. (72) Inventor Tomoki Usui 1-1-5, Uchisaiwaicho, Chiyoda-ku, Tokyo, Japan Inside Daiichi Kangyo Bank, Ltd. (72) Inventor Satoru Sakauchi Chiyoda, Tokyo 1-5-5 Otemachi-ku, Tokyo Inside the Fuji Bank Limited (72) Inventor Hidenobu Mukai 1-5-5 Otemachi, Chiyoda-ku, Tokyo Fuji Corporation Inside the bank (72) Inventor Ken Furuta 1-5-5 Otemachi, Chiyoda-ku, Tokyo Inside the Fuji Bank Ltd. (72) Inventor Hideaki Ishii 1-5-5 Otemachi, Chiyoda-ku, Tokyo Fuji Bank Ltd. (72) Inventor Yutaka Iwasaki 1-3-3 Marunouchi, Chiyoda-ku, Tokyo Inside the Industrial Bank of Japan (72) Inventor Fumio Yamazaki 1-3-3 Marunouchi, Chiyoda-ku, Tokyo Japan Industrial Bank, Ltd. (72) Inventor Hiroshi Murase 1-3-3 Marunouchi, Chiyoda-ku, Tokyo Inside the Industrial Bank of Japan (72) Inventor Akira Tanaka 1-3-3 Marunouchi, Chiyoda-ku, Tokyo Japan Industrial Bank, Ltd. F term (reference) 5B049 AA02 BB46 CC01 CC05 DD01 FF03 GG02 GG04 GG07 5B055 CB00 CC00 EE12 EE27 FA05 FA08

Claims (7)

[Claims] 1. A financial service system including an electronic bank center connected to a group of customer terminals via a network, wherein the electronic bank center receives access to the group of customer terminals, A service layer comprising a financial portal processing unit for exchanging information relating to the above and an EC community processing unit for exchanging information relating to the work of the non-financial business operator; and receiving access to the customer terminal group and cooperating with the service layer. An electronic bank core processing unit that performs banking operations by telecommunication means, and a common layer that cooperates with the service layer and the electronic bank core processing unit and that at least stores and manages customer information and knowledge management information. A financial service system comprising: 2. The financial service system according to claim 1, wherein a customer associated with the customer terminal group is registered as a member associated with the financial portal processing unit and the EC community processing unit. 3. The financial portal processing unit in the service layer, the financial portal homepage service unit for browsing, by the customer, a homepage of a financial company registered as a partner in the financial portal processing unit, and the partner registered as a partner. Various information service units for presenting information from the financial business operator to the customer; a general customer service unit for performing a simulation service for the customer who is not registered as a member of the financial portal; A member customer exclusive service department that provides financial service and financial portal partner information to the registered customer, and a member or non-registered member of the financial portal, Simulate financial asset portfolio from life plan At least one of a simulation service unit that provides an application service and a financial one-stop shopping service unit that presents a link guide and an introduction page for a financial portal partner or a non-partner involved in financial one-stop shopping. The financial service system according to claim 1 or 2, wherein: 4. An EC community processing section in the service layer, an EC community homepage service section for providing a homepage introducing an EC community partner, a various information service section for providing various information pages provided by the EC community partner, A general customer service department that provides a keyword search service for products etc. to customers who are not registered as a member of the EC community; and a dedicated customer customer service department that provides product information and services to customers who are registered as a member of the EC community. Claims characterized by comprising at least one of a link guide of an EC community partner or a non-partner related to one-stop shopping, and a one-stop shopping service section for presenting an introduction page. Financial services system of any one of claims 1 to 3. 5. The common layer includes: a knowledge management service unit for performing a multidimensional analysis service based on a customer from operation history and transaction history; a security / authentication service unit for performing security check and member authentication access control; 4. The system according to claim 1, further comprising at least one of a database management service unit for managing a common management service for services, attribute information and history information of customers, and a common database for storing various common data. 5. The financial service system according to claim 4. 6. An identification selector for responding to an access from the customer terminal group registered as a member among identification selectors for specifying a service by the service layer and the electronic bank core processing unit. A member screen for displaying a group, and an identification selector group that responds to access from the customer terminal group that is not registered as a member among identification selectors for specifying a service by the service layer and the electronic bank core processing unit. The financial service system according to any one of claims 1 to 5, further comprising means for generating a non-member screen to be displayed. 7. The electronic bank center includes: a membership fee between the customer and the financial portal processing unit; a membership fee between the customer and the EC community processing unit; A partner dues between the portal processing unit, a partner dues between the EC community partner and the EC community processing unit, a commission between the customer and the electronic bank core processing unit, the financial portal partner and the 2. The system according to claim 1, further comprising means for collecting at least one of a settlement fee between the electronic bank core processing unit and a settlement fee between the EC community partner and the electronic bank core processing unit.
7. The financial service system according to any one of claims 1 to 6.