JP2002007725A - Cooperative bank system with associated nonbank company in internet environment - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a user to quickly provide a branch bank over the Internet, by enabling a customer to move between a screen on which services of the branch bank are provided and a screen on which services provided by a nonbank company on the Internet, without the customer having to confirm personal information. SOLUTION: This system is constructed in an information processing system 1 for a bank body that can be connected in communication with a plurality of terminal devices, can be connected independently and directly to a customer via the Internet and provides each of a plurality of services of the bank body, each of a plurality of services of an associated nonbank company body and also a new service due to fusion of services, combination and partial change owing to the cooperation with the nonbank company by providing an intimate connection environment among information processing systems 2 to 4, which utilize the business resources of the associated nonbank company.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a network server which is connected to an information processing system of a bank which is capable of communication connection with a plurality of terminal devices. Related to the bank system (co-branch system) constructed.

[0002]

2. Description of the Related Art Conventionally, an information processing system in a bank connects a center and a plurality of terminal devices installed in branch offices, station terminals, supermarkets and the like established in various places within a business area by a communication line. Building.
Then, during the business hours of the bank, the user of each terminal device can execute cash deposit processing, cash transfer processing, balance inquiry processing, passbook entry processing, etc. irrespective of only cash withdrawal processing of deposits and savings. Also, if there is a sufficient balance in the user's savings account, the transfer can be made directly to the partner's account without using cash. It is assumed that the user referred to here is a user who uses a conventional banking service, and has previously deposited with a bank or started margin trading.

[0003] The terminal devices of each bank are interconnected,
Withdrawal from terminal devices of affiliated financial institutions is possible. In addition, payment can be made at terminal devices of some financial institutions, but when a terminal device of a financial institution other than its own is used, a separate fee is generally required.

[0004] In addition, the installation locations of the terminal devices are set up in branches of banks established in various places as described above, at station terminals,
Limited to places such as supermarkets where many people gather. For this reason, for example, when cash is suddenly required at home or at a travel destination, or when payment is required, it is necessary to go to the installation location of the terminal device during business hours. Also,
If it is not possible to go to the installation location of the terminal device during business hours, for example, it is not possible to perform processing such as withdrawing cash, depositing money, and entering a passbook.

On the other hand, in recent years, a transaction form called Internet banking or mobile banking has been carried out in banking business, and personal computers, mobile phones,
It is also possible to access a target bank using a mobile device or the like to perform balance inquiry and transfer processing. In addition, the Internet banking or the mobile banking can be used for a small monthly fee, and there is often no overtime charge, and the transfer fee and the like are often lower than the window fee.

[0006] By the way, companies other than banks have various types of industries, and financial settlement is a necessary process for companies in all of these types of industries, but banking requires legal qualifications and administrative examination. Therefore, it is not something that each company can implement freely. In addition, except for this point, for companies other than banks, for example, installing a large number of terminal devices capable of giving and receiving cash is a problem in terms of cost, and it is very difficult to acquire the know-how of banking business. Have difficulty. For this reason, it is not easy to start banking as part of your business. Examples of such companies include a company that provides an information distribution service, a company that provides a credit card service, a company that provides a personal financial service, and various other companies.

[0007] A company that provides an information distribution service is a company that provides information such as stock prices requested by customers via a communication line such as the Internet and profits from the work. In some cases, information is provided free of charge to customers by inserting a banner advertisement in the information. Companies that provide credit card services include, for example,
As is well known, it is a company that pays for a customer's shopping price, etc. in advance and performs a task of withdrawing from a bank account or the like later, and a commission is obtained from a dealer. A company that provides personal financial services is, for example, a company that performs small-scale financing in response to requests from individual customers. All companies are companies that need to confirm personal information or credit information of each customer in order to provide services.

[0008] In contrast to the above-mentioned inability of companies other than banks to easily enter the banking business, the expansion of the business scope of the bank is also regulated, so that services of other industries can be freely provided. is not.

[0009]

The line of business that the above-mentioned banking business cannot freely carry out the services of the business of other companies, and that other companies cannot easily carry out the services of the banking business, is based on the Internet. But the same is true. For example, in the case of internet banking, it is necessary to confirm credit information before accessing the bank system from the bank's homepage. Later, personal information is confirmed before receiving the service.

[0010] More specifically, for example, in the case of trading securities by an online securities company using the Internet, it is necessary to open a bank account. High confirmation is needed. Further, in conventional Internet banking or the like, each time a customer accesses a securities company and a bank, it is necessary to confirm personal information before receiving each service.

[0011] However, confirming credit information or personal information at the time of receiving services of the banking business and the non-banking company is a cumbersome operation for the customer, and the stock price or the like whose price fluctuates with time changes. When dealing with commodities, the fact that it takes time to access a bank also causes the price of commodities to fluctuate during that time, which is a problem from this point as well.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-mentioned problems, and provides a co-branch bank system which provides a service of a bank branch using information specialized in the business of the non-bank company in cooperation with the non-bank company. To provide. Also,
Users can quickly switch between the service screen provided by the bank on the Internet and the service provided by the non-bank company on the Internet without the customer confirming personal information. It is intended to provide a system that can move a bank branch (co-branch).

[0013]

According to the first aspect of the present invention, a cooperating bank branch with an affiliated non-banking company in an Internet environment can be connected to a plurality of terminal devices by a bank body. A bank branch built in an information processing system for personal use, which can directly connect with customers independently via the Internet and utilizes the business resources of affiliated non-bank companies By providing a close connection environment with the information processing system,
Provide multiple services of the bank itself and multiple services of the affiliated non-bank companies, and provide new services by integrating, combining, and partially changing services in collaboration with non-bank companies. This can be achieved by providing a bank cooperative branch.

With this configuration, the existing bank and the non-bank company cooperate or cooperate, and provide new services by integrating, combining, and partially changing services with the non-bank company through the bank cooperative branch. it can.

According to a second aspect of the present invention, in the first aspect of the present invention, in a cooperating bank branch with an affiliated non-banking company in an Internet environment, a new service is provided by integrating, combining, and partially changing each service by the cooperation. ,
This is a configuration in which each service of the banking business is used via the Internet outside business hours of the bank.

The third aspect of the present invention relates to the second aspect, wherein a cooperative bank branch with a partner non-banking company in the Internet environment has a new service by integrating, combining, and partially changing each service by the cooperation. ,
Fees for using banking services outside of the bank's business hours or for using banking services using financial terminals under the control of other affiliated financial institutions This is a configuration that includes reduction.

According to a fourth aspect of the present invention, in the first aspect, the bank branch cooperates with a credit company, and the management resources of the credit company are customer card information. In this case, in order to use the customer card information of the credit company,
In practice requires customer confirmation.

According to a fifth aspect of the present invention, in the fourth aspect, the interest rate of a deposit account opened at the bank branch is preferentially provided according to, for example, the card information of the customer. In this case, the interest rate of the deposit account is preferentially given according to card information such as the number of times the card has been used and the amount of money used. With this configuration, a new service can be provided by integrating or combining services by cooperation or alliance with a non-bank company.

A sixth aspect of the present invention relates to the first aspect, wherein the bank branch cooperates with a securities company, and the management resource of the securities company is a transaction situation of a customer. In this case as well, in order to use the information on the transaction status of the customer, it is necessary in practice to confirm the customer.

According to a seventh aspect of the present invention, in the first aspect, an interest rate of a deposit account opened at the bank branch is preferentially provided according to a transaction situation of the customer. In this case, for example, the transaction status of the customer includes the number of times of trading for each customer, the number of times of access to stock information, and the like. With this configuration, a new service can be provided by integrating or combining services by cooperation or alliance with a non-bank company.

[0021] Claim 8 relates to claim 1, wherein the bank branch cooperates with an oil sales company, and provides service products to the oil sales company based on the deposit amount held by the branch. It is a configuration to do.

In this case as well, in order to use the information on the deposit amount held by the branch, it is necessary in practice to confirm the customer. Claim 9 relates to claim 8, wherein the service product is, for example, a product provided by a gas station affiliated with the oil sales company.

With this configuration, a plurality of services of the affiliated non-bank company itself are provided, and
New services can be provided by combining and combining services with non-bank companies.

According to the tenth aspect of the present invention, the above object is incorporated in a server built in an information processing system for a bank main body which can be connected to a plurality of terminal devices, and is independently provided via the Internet. A function of directly connecting with the customer, a function of utilizing the management resources of the affiliated non-bank company, a function of providing a plurality of services of the bank itself, and a function of providing a plurality of services of the affiliated non-bank company And the integration of each service through collaboration with the non-banking companies,
A program for performing a function of providing a new service by combining and partially changing the program, which can be achieved by providing a recording medium that records a computer-executable program.

The present invention is an invention of a recording medium, in which a computer is mounted with a recording medium for recording a program including the above functions, for example, a floppy (registered trademark) disk, a CD-ROM, a mini disk, an optical disk, and the like. The present invention can be realized.

Therefore, with such a configuration, the existing bank and the non-bank company cooperate or cooperate with each other.
Integration of services with non-bank companies through bank cooperative branches,
New services can be provided by combining and partially changing.

[0027]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below in detail with reference to the drawings. <First Embodiment> FIG. 1 is a diagram for explaining a system configuration related to a cooperating bank branch (co-branch) according to the present embodiment.

As shown in FIG. 1, the bank cooperative branch 12
The information processing system 1 is common to the bank center 11. In addition, the bank center 11 has a server for performing a conventional banking operation, and the bank terminals 100 to 10.
2 allows actual cash to be transferred.

The information processing system 1 is composed of a banking mainframe and an Internet server device, and constructs a homepage of a bank head office and a homepage of a bank cooperative branch in a virtual space of the Internet.

Further, the bank cooperative branches 12 are further classified into individual branches corresponding to the non-bank companies with which they cooperate. For example, the bank cooperative branch (Ma) 15 is a bank branch cooperating with the non-bank company A, and the non-bank company (A) 21
And have a link with. Non-bank companies (A) 21
Is a non-bank company A, and is constructed in the information processing system 2 for the non-bank company A.

As described above, the bank cooperative branch (Mb) 16
Is a bank branch that cooperates with the non-bank company B, and has a link with the non-bank company (B) 31. The non-bank company (B) 31 is an information processing system 3 for the non-bank company B.
Built within. Furthermore, the Bank Cooperation Branch (Mc) 17
Is a bank branch that cooperates with the non-bank company C, and has a link to the non-bank company (C) 41. The non-bank company (C) 41 is constructed in the information processing system 4 for the non-bank company C.

Here, the non-bank companies 21, 31, 41 are:
For example, a company that provides the information distribution service described above, a company that provides a credit card service, a company that provides a personal financial service, and the like. Furthermore, it may be a petroleum sales company such as gasoline, or various companies such as automobiles, steel and metals.

FIG. 2A shows an example of a homepage screen of a bank (head office), and FIG. 2B shows an example of a homepage screen of a bank cooperative branch. As shown in FIG. 2A, a bank (head office) homepage screen 200 includes buttons 202 to 204 for shifting to a bank cooperative branch homepage in addition to the bank main menu 201. The screen can be shifted to the homepage screen 300 of the bank cooperative branch by clicking.

As shown in FIG. 2B, the non-bank company menu 302 is provided on the bank cooperative branch homepage screen 300 in addition to the bank main menu 301. Note that the bank main menu 201 in FIG. 2A and the bank main menu 301 in FIG. 2B have the same contents. Therefore, each menu has a distinctive menu including the same contents.

Next, a brief description will be given of a method of using the cooperating bank branch thus constituted. FIG. 3 is a flowchart illustrating a processing method when a user sets up an account at a cooperating bank branch (co-branch).

First, a user who wishes to use the service applies for an account at a bank head office / branch counter, mail, telephone, Internet mail, or the like. Then, the cooperating bank branch (co-branch) performs identity verification using a license or the like (step W1). Next, in the cooperating bank branch (co-branch)
An account in the name of the user is opened and a password is set (step W2). This password is not a password used for a normal cash dispenser or the like, but a password for Internet banking. Further, the user deposits a deposit into the user's account from the bank terminals 100 to 102 or the like to create a deposit (step W3).
Thereafter, the user performs transfer / transfer / balance check (step W4). Up to this point, it is the same as conventional Internet banking.

FIG. 4 is a flowchart of a processing method for applying for a loan as an example of processing after a user has established an account at a cooperating bank branch (co-branch). First, a loan application is made from the Internet homepage (step W11). Next, the credit information, the total borrowing amount, and the past loan payment status are examined (step W12). If the examination result is good, a contract is made (step W13), and the loan is executed (step W13).
14). In the case of the cooperating bank branch of the present embodiment, the application is not mailed to the non-bank company at the examination stage (step W12) and the contents of the application are examined, and the same processing as the non-bank internal processing is performed. So, for example, 2
The processing required for more than one day can be performed in 30 minutes or the like.

As described above, the bank branch on the Internet according to the present embodiment quickly switches between the screen for providing the service of the bank branch and the screen for providing the service provided by the partner company other than the bank on the Internet. Since the transfer can be performed, the convenience of the user can be greatly improved.
Note that when confirming the customer's personal information, it is necessary to obtain the customer's consent in advance.

In the above embodiment, the non-bank company is implemented as a loan company. However, the present invention is not necessarily limited to this, and the non-bank company that handles financial products is
Alternatively, any non-bank company that provides some kind of product based on customer credit information can be implemented in place of various non-bank companies. <Second Embodiment> Next, a second embodiment of the present invention will be described.

This example shows an example of a cooperating bank branch (co-branch), and the cooperating bank branch of this example explains cooperation with a credit sales company. FIG. 5 shows an example of a cooperating bank branch (co-branch) shown in FIG. 1, and FIG. 5 shows an example of a server of the cooperating bank branch.

The server 15 'includes a CPU 15a, a ROM 1
5b, a RAM 15c, and the like. Here, the CPU 15a performs processing according to the system program registered in the ROM 15b, writes information to be described later in the external storage device 18 connected to the server 15 'as needed, and reads information from the external storage device 18. Further, necessary information is displayed on the display 15e, and information is exchanged via a communication line.

The system control of this embodiment is performed by the ROM 15b.
The program is executed according to the program stored in the floppy disk 15g or the CD-ROM 15d in the media driver 15f provided in the server 15 'as shown in FIG.
h, etc., a recording medium may be mounted, and the program may be read from the recording medium and used.

FIG. 6 is a view for explaining the data structure of the external storage device 18. As shown in FIG. In the figure, the external storage device 18
Is registered with customer data of a credit company. The external storage device 18 has an area 18a for storing the customer's "ID number", an area 18b for storing the customer's "name", an area 18c for storing the customer's "telephone number", and a "password".
18d, an area 18e for storing other personal information, and an area 18f for storing a link address to a non-bank company corresponding to the bank cooperative branch 15.

For example, in this example, in the area 18b corresponding to the ID number "0001" of the area 18a, the name of the person or company holding the ID is registered as "xxx".
The telephone number corresponding to the area 18c is "03-123-.
・ ・ 」. Further, the password is registered as "****" in the area 18d, and the password is registered in the area 18e.
The information of the person or company corresponding to is registered. For example, information such as a deposit amount, the name of a product or service to which the customer subscribes, and the like, may be used to register fingerprint information or other authentication information in some cases. In addition, area 18f
Stores a link address, for example, as “abc”.

The ID number "000" of the area 18a
In the area 18b corresponding to “2”, the name of the person or company holding the ID is registered as “XXX”, and
The telephone number corresponding to 8c is registered as "03-124 -...". Further, the personal identification number is registered as "****" in the area 18d, the information of the person or company corresponding to the area 18e is registered, and the link address is stored in the area 18f. In the following, the ID number is “00”.
03 ”and thereafter are also as shown in FIG.

FIG. 7 shows a database in the non-bank company A connected to the bank cooperative branch 15. The database has storage areas 19a to 19g for "link destination address", "name", "card number", "expiration date of card", "whether there is an accident", "number of times of use", and "total use amount".
It is composed of Here, the “link destination address” is the external storage device 1 of the aforementioned cooperating bank branch (co-branch) 15.
Corresponding to the address data stored in No. 8, the “card number” is a card number such as a credit card held by the customer for the credit company. This card number is the same as the card issued by the cooperating bank branch (co-branch) of this example, and includes a credit function. Further, information on the number of times the credit has been used is registered in the “use count” area 19f. In this case, the information on the number of times the credit has been used is updated, and information that is sequentially updated is registered.
Further, the total amount when the credit is used is registered in the “total usage amount” area 19g. The above area 1
The information registered in 9f and 19g includes not only the purchase of goods and the provision of services, but also the use of caching.

For example, in the case of a customer whose link destination address is “aaa”, the name is “□□□”, the card number is “2603”, and the card expiration date is “02/01”.
/ 31 ”, and information on the presence or absence of an accident is registered as a flag“ 1 ”or“ 0 ”. The flag "1" indicates a case where an accident has occurred, and the flag "0" indicates a case where no accident has occurred. In addition, "number of uses"
Also, updated information is written in the areas 19f and 19g of “total usage amount”.

In the case of a customer whose link destination address is "aab", the name is "@" and the card number is "3".
449 "and the expiration date of the card is" 00/09/3 "
Registered as "0" and the information on the presence or absence of an accident is flag "0"
It is registered as. If the link destination address is "a
In the case of the customer of “ac”, the name is “$”, the card number is “0876”, and the expiration date of the card is “01”.
/ 31/31 ", and information on the presence or absence of an accident is registered as a flag" 1 ". The updated information is also written in the areas 19f and 19g of the “number of uses” and the “total use amount”. Hereinafter, information on other link destination addresses is as shown in FIG.

In the above configuration, the processing operation of this embodiment will be described below. In the case of this example, the interest rate is varied depending on the use state of a credit company, which is a non-bank company affiliated with the bank center 11, and will be described with reference to the flowchart shown in FIG. The following example describes the case of a deposit interest rate, for example.

First, as described above, the bank cooperative branch 15
Is written into the database of the external storage device 18 from information such as an application form (step (hereinafter, referred to as S) 1). Next, the interest rate is set (S
2). FIG. 9 is a flowchart specifically illustrating the interest rate setting process.

First, the "link destination address" of the customer is searched by referring to the database of the external storage device 18 (S2).
-1). For example, at this time, the customer has the ID number "0003"
If the customer is (name “□□□”), the “link destination address” is “aaa”, and the “link destination address” shown in FIG. 7 is searched for the card number of the corresponding customer. Here, in the case of the link destination address “aaa”, the card number is “2603”, and the “number of uses” of the customer,
Then, the information of the “total usage amount” is read (S2-2).

Next, the interest rank A is set in accordance with the information on the number of uses. The interest rate rank A is used as a basis for setting the interest rate according to the customer's card "use count". Also, this setting is the same as the server 15 '
It is executed under the control of the CPU 15a. This control program is stored in the above-mentioned ROM 15b.

First, the CPU 15a determines from the read information on the number of times of use whether the number of times of use is two or less, or three or more and five or six or more ( S2-3). Here, if the “number of uses” is 2 or less (S2-3 is 2 or less), the interest rank A is changed to A.
1 (S2-4). When the “number of uses” is 3 or more and 5 times (S2-3 is 3 to 5 times), the interest rank A is set to A2. (S2-4). Further, when the “number of uses” is 6 or more (S2-3 is 6 or more), the interest rank A is set to A3 (S2-6).

Next, a judgment is made on the "total usage amount" (S2-7). Here, if the “total usage amount” is less than 10,000 yen (S2-7 is less than 10,000 yen), the interest rank B is changed to B
1 (S2-8). If the “total usage amount” is 10,000 yen or more and less than 50,000 yen (S2-7 is 10,000 to 50,000 yen), the interest rank B is set to B2. (S2-9). Further, when the “total usage amount” is 50,000 yen or more (S2-7
Is 50,000 yen or more), and the interest rank B is B3 (S2-1).
0).

Next, the CPU 15a determines from the database shown in FIG. 7 whether or not an accident has occurred in the card (S15).
2-11). For example, if the payment has been delayed due to, for example, the payment deadline of the card being late, a flag “1” is set in the database. Therefore, C
When the flag “1” is set from the read information (YES in S2-11), the PU 15a sets the rank C0.
(S2-12). On the other hand, when the flag is “0” (NO in S2-11), the rank is set to C1 (S2).
-13).

After setting the interest rank for each item as described above, interest calculation is performed (S2-14).
This calculation is performed, for example, according to the following calculation formula.
That is, interest rate (S) = S0 + (A × α + B × β + C × γ) (1) Here, S0 is a reference interest rate, and α is a constant for calculating the interest rate in rank A, and is set, for example, according to the importance of the “number of uses” of the card. Also, β
Is a constant for calculating the interest rate in rank B, and is similarly set according to the importance of the “total usage amount” of the card. Further, γ is a constant for calculating the interest rate in rank C, and is set according to, for example, the importance of occurrence of an accident when using a card. Note that the constants α to γ are set based on empirical rules in the banking business, past data, and the like, and may be calculated using a specific function. For example, the calculation may be performed using a logarithmic function, a quadratic function, or a cubic function, or using a specific area of the above function.

Hereinafter, a specific example will be described. still,
In the case of this example, taking the above importance into consideration, the constant α is set to 0.1,
The interest rank A3 is 0.1 × 3, the interest rank A2 is 0.1 × 2, and the interest rank A1 is 0.1 × 1.
Further, the constant β is 0.2, and the interest rank B3 is 0.2 ×
3, the interest rank B2 is 0.2 × 2, and the interest rank A1 is 0.2 × 1. Further, considering the importance of the card accident, the constant γ is set to 0.3, and the interest rank C1 is set to 0.
3 × 1, and the interest rank C0 is 0.3 × 0.

For example, the ID number “0003” (name “□”)
□□ ”), the“ link address ”is“ aa ”
"a", and retrieves the "link destination address" shown in FIG. 7 and reads out the information of the "number of uses" and the "total use amount" of the corresponding card number "2603". Here, if the “number of uses” of the customer is three times and the “total use amount” is 70,000 yen, the interest rank A is A2 and the interest rank B is
Is B3. Since there is no accident on the card of the customer from the database shown in FIG. 7 (flag “0”), the interest rank C is C2.

From the above data, the interest rate S of the customer is
From the above equation (1), S = S0 + (0.1 × 2 + 0.2 × 3 + 0.3 × 1) (2) Therefore, in the case of the above example, the interest rate S is (S0
+1.1)%.

On the other hand, in the case of the name “@” of the link destination address “aab”, the “number of uses” is one, the “total use amount” is 25,000 yen, and there is no accident. From the above equation (1), S = S0 + (0.1 × 1 + 0.2 × 2 + 0.3 × 1) (3) Therefore, in this case, the interest rate S is (S0 + 0.
8)%.

Further, in the case of the name “@” of the link destination address “aac”, the “number of uses” is one, the “total use amount” is 5,000 yen, and there is an accident. From equation (1), S = S0 + (0.1 × 1 + 0.2 × 1 + 0.3 × 0) (4) Therefore, in this case, the interest rate S is (S0 + 0.
3) It becomes%.

After the interest rate of the customer is set as described above, the deposit interest rate of the customer who has an account at the cooperating bank branch (co-branch) 15 of this example is applied (S3). For example, in the case of the customer “□□□”, the interest rate (S) on the deposit is as high as (S0 + 1.1)%, and in the case of the customer “△△△”, the interest rate (S) on the deposit is (S0 + 0.8). )%, And if the customer is “◇◇◇”, the interest rate on the deposit (S)
(S0 + 0.3)%.

As described above, by using the bank system by the cooperating bank branch (co-branch) of this example,
It is possible to receive preferential interest rates and effectively use the information held by the non-bank company A with which it is affiliated. This is also an advantage for the non-bank company A. The preferential interest rate treatment of the cooperating bank branch (co-branch) 15 can promote the card participation in the credit company.

In the above processing shown in FIG. 8, since the frequency of use and the amount of use of the card fluctuate, the interest rate is reviewed at regular intervals (S4). For example, the interest rate is reviewed every month or every 10 days (S4 is YE
S), the interest rate setting process described above is performed again (S2). Then, it will be reflected in the deposit interest rates thereafter.

Accordingly, the above-described interest rate resetting process is performed at regular intervals, and the interest rate can be set at all times in accordance with the usage status of the card. In the above description, the interest rate calculation is applied to the deposit interest rate of the customer, but the same applies to the lending interest rate. However,
In this case, the interest rate calculation will be different. That is, interest rate (S) = S0 + (A × α + B × β + C × γ) (1) α to γ used in the equation are minus (-). For example, in the case of the above equation (2) , S = S0 + (− 0.1 × 2−0.2 × 3−0.3 × 1) (2 ′), and the lending interest rate S ′ is (S0−1.1)%.

In the case of equation (3), S = S0 + (− 0.1 × 1−0.2 × 2−0.3 × 1) (3 ′), and the loan interest rate S ′ is (S0 -0.8)%.

Further, in the case of the equation (4), S = S0 + (− 0.1 × 1-0.2 × 1-0.3 × 0) (4 ′), and the loan interest rate S ′ is (S0 -0.3)%.

Also in this case, the constants α to γ may be calculated using empirical rules in the banking business, past data, or specific functions. Rates may also be calculated using banking rules of thumb or historical data, or using certain functions.

In the above description of the embodiment, the interest rate is set based on the information of the credit company, which is a non-bank company.
It may be configured to issue a dinner ticket, an accommodation certificate, a gift certificate, and the like. Further, a configuration may be adopted in which lotteries, numbers, and the like are issued according to the rank.

Further, in the above example, the system is used from the bank side. However, as a case where the system is used from a non-bank company, for example, purchasing goods or receiving services at a shop,
In the case of performing card payment, the system is configured to directly access the cooperating bank branch (co-branch) 15, perform credit processing using the server 15 ′, and check the expiration date of the card or the presence or absence of an accident, thereby directly It is good also as a structure which performs card settlement. <Third Embodiment> Next, a third embodiment of the present invention will be described.

This example shows an example of a cooperating bank branch (co-branch), and the cooperating bank branch of this example explains cooperation with a securities company. 1 shows an example of a cooperating bank branch (co-branch) shown in FIG. 1, and a server is provided in the cooperating bank branch of this example, as described above.
The configuration of this server is the same as the configuration shown in FIG. However, the data configuration of the external storage device connected to the server is different.

In the case of a securities company, the bank terminals 100 to
It is possible to directly access a homepage from a personal computer of a customer via a network line such as the Internet, in addition to the homepage 102. FIG. 10 is a system diagram illustrating this configuration, and is a system diagram illustrating a connection configuration with a cooperating bank branch (co-branch) 16.
The terminal devices connected via a network line such as the Internet are not limited to personal computers.
A mobile terminal such as a mobile phone or a mobile device is also possible.

FIG. 11 is a diagram showing a memory configuration of a storage device connected to the server of the cooperating bank branch 16 of this example. In the case of the cooperating bank branch of this example, similarly to the data structure of FIG. 6, an area 28a for storing the customer's "ID number", an area 28b for storing the customer's "name", and a customer "telephone number" are stored. Area 28c, an area 28d for storing a "personal identification number", and an area 28 for storing other personal information.
e, an area 28f for storing a link address to a non-bank company corresponding to the bank cooperative branch.

For example, in this example, in the area 28b corresponding to the ID number "0001" of the area 28a, the name of the person or company holding the ID is registered as "@".
The telephone number corresponding to the area 28c is "042-123-
.., And a password is registered in the area 28d as "****", and a link address is stored in the area 28e as "xyz", for example.

The ID number "000" of the area 28a
In the area 28b corresponding to "2," the name of the person or company holding the ID is registered as "●●●"
The telephone number corresponding to 8c is "042-124 -..."
Is registered as a password, and the password is further registered in the area 28d as "**".
** ", and the link address of the area 28e is stored as, for example," lmn ".

Further, the ID number “000” of the area 28 a
In the area 28b corresponding to "3", the name of the person or company holding the ID is registered as "▲▲▲".
The telephone number corresponding to 8c is "042-125 -..."
Is registered as a password, and the password is further registered in the area 28d as "**".
** ", and the link address of the area 28e is stored as, for example," mpn ".

Here, in the case of the cooperating bank branch (co-branch) of the present example, the affiliated non-bank company is a securities company, and performs personal computer trading and mobile trading. Therefore, information for trading is stored in the storage device of the non-bank company B. FIG. 12 is a diagram for explaining the database of the non-bank company B.

As shown in the figure, in the database of the non-bank company B, “link destination address”, “name”, “number of stock trading (number of trading)”, “stock trading amount”, “market information” Access area 29a-
29e. Here, the “link destination address” corresponds to the address data stored in the external storage device 28 of the cooperating bank branch (co-branch) 16 and indicates the information of the corresponding individual or company.

In the storage device shown in FIG. 12, for example, stock information is stored in an area after an address “hhh”, and market information is stored in an area after an address “mmm”. Here, the stock information is a stock price for each brand, for example, a closing price, a highest price, a lowest price, and the like. Further, stock price fluctuations for one week or one month, one year, and other information are stored for each brand. On the other hand, market condition information is information on forecast information for each industry, fluctuations in overseas stock prices, market trends, and the like.

FIG. 13 is a flowchart for explaining the processing operation of this embodiment. In the figure, similarly to the above-described embodiment, first, registration in a database is performed (step (hereinafter, referred to as ST) 1), and an interest rate setting process is performed (ST2).

FIG. 14 is a diagram specifically illustrating this interest rate setting process. First, the search processing of the “link destination address” is performed in the same manner as described above (ST2-1), and the corresponding link destination “number of stock trading (number of trading)”,
The information of “stock trading amount” and “market information access number” is read (ST2-2). Then, first, the interest rank D corresponding to the “number of stock trading (number of trading)” is set (ST2-3).

Here, for example, when the “number of times of stock trading (number of times of trading)” is two or less, the interest rank D is set to D1 (ST2-4). If the "number of times of stock trading (number of times of trading)" is 2 or more and up to 5 times, the interest rank is set to D2 (ST2-5). further,
When the “number of times of stock trading (number of times of trading)” is 6 or more, the interest rank is set to D3 (ST2-6).
The interest rank D is also used as a reference when setting interest rates.

Next, a judgment is made as to the “stock trading amount” (ST2-7). Here, for example, the “stock trading value” is 50
If it is less than 10,000 yen, the interest rank E is set to E1 (ST
2-8). In addition, "Total usage" is 500,000 yen or more and 500
If it is less than 10,000 yen, the interest rank EE is set to E2.
(ST2-9). Further, when the “total usage amount” is 5 million yen or more, the interest rank E is set to E3 (ST2-
10).

Next, an interest rate rank corresponding to "the number of accesses to market information" is set (ST2-11). It should be noted that the “number of accesses to market information” includes both access to the address “hhh” and access to the address “mmm” in the database shown in FIG. The reason why the "number of market information accesses" is selected as one of the criteria for setting the interest rate rank is that there is a meaning of an advertisement of a non-bank company (securities company) corresponding to the access.

Here, when the “number of accesses to market information” is less than 5, the interest rank F is F1 (ST2-1).
2) In the case of 5 times or more and less than 10 times, the interest rank F is F2
(ST2-13), and the “number of market information accesses” is 1
If it is zero or more, the interest rank F is F3 (ST2-
14).

After setting the interest rank for each item as described above, interest calculation is performed in the same manner as described above (ST).
2-15). This calculation is the same as the above-described example, and follows the following calculation formula.

Interest rate (S) = S 0 + (D × δ + E × ε + F × η) (5) Since the specific example of the above calculation is the same as the above-described example, detailed description will be omitted. In this case, the calculation can be performed for each of the deposit interest rate and the lending interest rate.

In this example also, since the “number of times of stock trading (number of times of trading)”, “the amount of stock trading”, and “the number of access to market condition information” fluctuate, the interest rate is reviewed every fixed period ( ST4) The interest rate is set, for example, every month or every 10 days (YES in ST4, ST
2). In the following, for example, the interest rate is reviewed in the above cycle, and reflected in the subsequent deposit interest rates.

Therefore, also in this example, the interest rate is reset every fixed period, and the interest rate can be set constantly according to the trading results. In this example, the constants of δ to η used in the above interest rate calculation may be calculated using empirical rules in the banking business, past data, or specific functions. The rate of change may also be calculated using banking heuristics, historical data, or specific functions.

Further, in the description of the above embodiment, the deposit interest rate is set based on the information of the securities company which is a non-bank company, but not only the deposit interest rate but also travel tickets and dinner tickets according to the rank as described above. , An accommodation voucher, a gift certificate, and the like may be issued. Further, a configuration may be adopted in which lotteries, numbers, and the like are issued according to the rank. <Fourth Embodiment> Next, a fourth embodiment of the present invention will be described.

This example also shows an example of a cooperating bank branch (cobranch), and the cooperating bank branch of this example explains cooperation with an oil sales company (gasoline sales company) having a petrol station affiliated with it. . Further, for example, a server is provided at the cooperating bank branch 17 as described above. still,
The configuration of this server is the same as the configuration shown in FIG.

In the case of the oil sales company of this example, it is connected to the terminal device of the affiliated gas station via a network line such as the Internet. FIG. 15 is a diagram for explaining this system configuration.
17 shows a connection configuration. Note that the terminal device connected via a network line such as the Internet is a device such as a personal computer or a card reader. Here, the personal computer 30 has TCP / IP (transmis
sion control protocol / internet protocol) program is installed and it is possible to use the Internet.

The personal computer 30 (30
a to 30c) respectively have a card reader 31 (31a).
To 31c) are connected. FIG. 16 shows the card reader 3
FIG. 2 is a diagram illustrating the configuration of an IC card including the configuration of an IC card. The card reader 31 (31a to 31c)
Mounting slot 33 of IC card 32, switch and operation key 3
4. A liquid crystal display 35. Also, I
The C card 32 is a card having a metal contact 32a on the surface, and as shown in FIG.
RAM 32d, memory 32e, interface (I /
F) Each circuit is composed of 32f.

When the IC card 32 having the above configuration is inserted into the mounting slot 33, the metal contacts 32a come into contact with the internal contacts,
Memory 32 via interface (I / F) 32f
Information is read from e. This information is displayed on the liquid crystal display 35. This memory 32e stores information on the gasoline usage amount described later.

On the other hand, the server shown in FIG. 17 is stored in the server of the cooperating bank branch 17 in this example. In this example, the configuration of the areas 20a to 20d of the database is the same as that in FIG. However, information on the deposit amount of the customer is stored in the area 20e, and a service refueling amount corresponding to the deposit amount is stored in the area 20f. In this example, 10 liters of service refueling is added for every one million yen in deposit amount. Therefore, for example, the ID number “000”
In the case of "1" (name "XXX"), if the deposit amount is 10 million yen, the service refueling amount of 100 liters is written. In the case of ID number "0002" (name "OO"), if the deposit amount is 7 million yen, a 70 liter service refueling amount is written. Hereinafter, for example, I shown in FIG.
Deposit amounts and service refueling amounts described in the areas 20e and 20f are also recorded for customers after the D number “0003”.

In the above configuration, the processing operation of this example will be described below. The flowchart shown in FIG. 18 explains the processing operation of this example. In the figure, the processing on the left side shows the processing on the terminal device side provided at the gas station, and the processing on the right side shows the processing on the server side provided at the bank cooperative branch 17.

First, an individual who is a customer of the bank cooperative branch 17 stops at an affiliated station of the oil sales company for refueling, and after refueling, requests payment with the IC card 32 of the present example. To the card reader 31 (31a
To 31c), the card reader 3 is inserted.
1 (31a to 31c) determines that the IC card 32 has been inserted (step (hereinafter, referred to as STP)).
1).

Next, for example, the personal computer 31
The necessary information is read from the IC card 32 in accordance with the instruction from. For example, at this time, the memory 32e of the IC card 32
The ID number of the bank cooperative branch 19 stored in is stored (STP2). Also, enter your password (STP
3). For example, at this time, when the customer enters the name "XX" shown in FIG.
In the case of "x", the ID number "0001" is read out, and the personal identification number "****" is entered.

Next, the terminal device (personal computer 30) transmits the above information to the bank cooperative branch 17 via the above-mentioned network line (STP4). On the other hand, the bank cooperative branch 17 waits for a signal supplied from the terminal device (NO in STP5), and receives the above information (STP5).
5 is YES), the input data is confirmed (STP6).
In this confirmation processing, the database shown in FIG. 17 is searched to determine whether the input ID number and the password match (STP
6). If the ID number and the password match, the information of the service refueling amount is read from the corresponding area 20f of the database.

In this service refueling amount reading process, the above database is searched and the corresponding service refueling amount "1" is read.
00 liters ”is read out (STP7). Next, the read service refueling amount data is transmitted to the terminal device (personal computer 30) that has transmitted the data via the network line (STP8).

On the other hand, on the terminal device (personal computer 30) side, after the above-described transmission processing, the bank cooperative branch 17
(STP9 is NO) and an answer is input from the bank cooperative branch 17 (STP9 is YE).
S) The information on the service refueling amount to be input is displayed on the liquid crystal display 35 (STP10).

Next, arithmetic processing is performed (STP11), and the service refueling amount is subtracted from the actually refueled fuel amount. For example, when the refueling of 40 liters is performed, the service refueling amount is 100 (liter) to 40 (liter), and the service refueling amount is larger. Therefore, the service refueling amount of 60 liters remains.

The remaining amount data of the service refueling amount is sent to the bank cooperative branch 17 via the network line (STP
12), the bank cooperative branch 17 receives the input remaining amount data and writes it in the corresponding area 20f of the database (STP13, STP14).

With the above configuration, the corresponding area 20f of the database on the bank cooperative branch 17 side
The updated service refueling amount "60 liters" is written in the, so that information on the new service refueling amount can always be held.

In the above-described embodiment, the case where the service refueling amount is 100 liters has been described. However, there are cases where the service refueling amount is 10 liters, 20 liters, or the like.
You may pay for a liter of refueling.

In the present embodiment, the service refueling amount is set according to the deposit amount of the bank cooperative branch. However, the service refueling amount is not limited to the gasoline service, but may be a service such as engine oil, transmission oil, or coolant.

In this example, since the bank cooperative branch was a petroleum sales company affiliated with the bank center, the above services were provided. However, if the affiliated company is a supermarket or department store, the gift certificate of the corresponding supermarket or department store is provided. Alternatively, a hotel or the like may be a dinner ticket or an accommodation ticket, and a travel agency may be a travel ticket or the like. <Other Embodiments> Next, other embodiments of the present invention will be described.

In the description of the above embodiment, the deposit interest rate and the lending interest rate are calculated to give preferential interest rates. However, when an account is opened at a certain bank cooperative branch, this is a preferential treatment to make the ATM use fee free for a certain period. You may. For example, when an account is opened, the ATM usage fee may be free for the first three months, or the ATM usage fee may be free for one year for depositors of a certain amount or more.

When the bank cooperative branch (co-branch) is opened, a preferential treatment may be taken as an open campaign in which all customers have a one-year free ATM withdrawal fee. Furthermore, if a bank holds a credit card issued by a bank, it is also possible to adopt a measure to make the ATM withdrawal fee free for several months.

On the other hand, the bank cooperative branch is a tie-up or cooperative system between a bank and a non-bank company. As a non-bank company, it is not limited to an established company, for example, a women's shopping garden for women. A new shopping mall may have a bank cooperative branch. In this case, for example, it is possible to provide a financial service with a name such as a gold cart, provide a pleasant brand image, and increase the goodwill of financial products.

Therefore, a bank cooperative branch may be opened in a silver shopping garden focusing on the elderly, a college shopping mall focusing on universities and students, and the like.

[0112]

As described above, according to the present invention,
A configuration in which a bank cooperative branch connected to the bank center is connected via a network line such as the Internet, and banking operations are performed using the sales and services of the company in which the bank cooperative branch is installed, aiming for effective use of information. be able to.

Further, the bank cooperative branch allows the customer to confirm the personal information between the screen for providing the service of the bank branch and the screen for providing the service provided by the partner company other than the bank on the Internet. Since the transition can be performed quickly without any change, the convenience of the user can be greatly improved.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a schematic configuration of a cooperating bank branch and other related systems according to the present embodiment.

FIG. 2A is an example of a bank (head office) homepage screen, and FIG. 2B is an example of a bank cooperative branch homepage screen.

FIG. 3 is a flowchart showing a processing method when a user sets up an account at a cooperating bank branch.

FIG. 4 is a flowchart of a processing method when a user applies for a loan as an example of processing after a user has established an account at a cooperating bank branch.

FIG. 5 is a system diagram showing an example of a server at the cooperating bank branch.

FIG. 6 is a diagram illustrating a data structure of an external storage device.

FIG. 7 is a configuration diagram of a database in a non-bank company A connected to a bank cooperative branch.

FIG. 8 is a flowchart illustrating a second embodiment.

FIG. 9 is a flowchart specifically illustrating a second embodiment.

FIG. 10 is a system configuration diagram illustrating a third embodiment.

FIG. 11 is a diagram illustrating a data structure of an external storage device according to a third embodiment.

FIG. 12 is a diagram illustrating a data structure of a non-bank company according to the third embodiment.

FIG. 13 is a flowchart illustrating a third embodiment.

FIG. 14 is a flowchart specifically illustrating a third embodiment.

FIG. 15 is a system configuration diagram illustrating a fourth embodiment.

FIG. 16 is a diagram illustrating an external configuration of a card reader used in a fourth embodiment and a memory configuration of an IC card.

FIG. 17 is a diagram illustrating a data structure of a bank cooperation branch side according to the fourth embodiment.

FIG. 18 is a flowchart illustrating a fourth embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Information processing system for banks 2-4 Information processing system for non-banks 11 Bank center 12 Bank branch office 15-17 Bank cooperation branch 15 'Server 15a CPU 15b ROM 15c RAM 15e Liquid crystal display 15f Media driver 18 External storage device 18a-18f Media driver 19a-19g Storage area 21 Non-bank company 28a-28g Area 29a-29g Storage area 31 Non-bank company 41 Non-bank company Ma Bank cooperative branch Mb Bank cooperative branch Mc Bank cooperative branch

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 218 G06F 17/60 218 324 324 502 502 502 G07F 19/00 G07D 9/00 476

Claims (10)

[Claims] Claims: 1. A bank branch constructed in an information processing system for a bank main body which can be communicatively connected to a plurality of terminal devices, wherein the bank branch can independently directly connect with a customer via the Internet. In addition, by providing a close connection environment with the information processing system that utilizes the business resources of the affiliated non-bank companies, multiple services of the bank itself and multiple A collaborative banking system with an affiliated non-banking company in the Internet environment, characterized by providing new services through the integration, combination, and partial modification of each service through collaboration with non-banking companies. 2. The new service by integrating, combining, and partially changing each service by the cooperation includes using each service of the banking business outside the business hours of the bank via the Internet. The cooperative banking system with an affiliated non-banking company in the Internet environment according to claim 1. 3. A new service resulting from the integration, combination, or partial change of each service through the cooperation includes a fee for using each service of the banking business outside the business hours of the bank, or other affiliated financial services. 3. The collaboration with a non-bank affiliated company in the Internet environment according to claim 2, including reducing a fee for using each service of the banking business using the financial terminal device managed by the institution. Banking system. 4. The system according to claim 1, wherein the bank branch cooperates with a credit company, and the management resources of the credit company are customer card information. Collaborative banking system. 5. The cooperative banking system with an affiliated non-banking company in the Internet environment according to claim 4, wherein interest rates of a deposit account opened at the bank branch are preferentially provided according to the card information of the customer. 6. The system according to claim 1, wherein the bank branch cooperates with a securities company, and a management resource of the securities company is a transaction status of a customer. Collaborative banking system. 7. The cooperative banking system with an affiliated non-banking company in the Internet environment according to claim 6, wherein interest rates of a deposit account opened at the bank branch are preferentially provided according to a transaction situation of the customer. 8. The Internet environment according to claim 1, wherein said bank branch cooperates with an oil sales company, and provides service products to said oil sales company based on a deposit amount held by said branch. Collaborative banking system with affiliated non-bank companies in Japan. 9. The system of claim 8, wherein the service product is a product provided by a gas station affiliated with the oil sales company. 10. A function to be incorporated in a server built in an information processing system for a bank main body capable of communication connection with a plurality of terminal devices, to directly connect with a customer independently via the Internet, A function of utilizing the management resources of the company, a function of providing a plurality of services of the bank itself and a plurality of services of the affiliated non-bank company, and integration of services by cooperation with the non-bank company And a function of providing a new service by combining, partially changing, and a program for performing the program, wherein the program is executable by a computer.