JP2002099730A - Method for supporting financial transaction and information processor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow an investor to select required financial information or a monetary facility easily and to give the monetary facility an opportunity for advertising itself effectively to acquire a prospective customer. SOLUTION: A method for supporting financial transaction and an information processor for providing financial information through a network receives access by the investor desiring the reception of financial information, provides the financial information to the accessing investor, and introduce information related with the monetary facility concerned with the contents of the financial information then to promote accessing to the monetary facility by the investor and to allow the monetary facility to acquire the prospective customer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial transaction support method and an information processing apparatus which can be suitably used by investors who want to buy and sell securities.

[0002]

2. Description of the Related Art General investors obtain financial information necessary for investment through magazines and newspapers. In order for investors to actually buy and sell financial products, it is customary to entrust the services of specialized financial institutions, such as securities companies, banks and investment trust management companies, at which time financial products and recommended stocks are introduced. Or
Provision of the latest information and professional advice can be provided as needed.

[0003]

[Problems to be Solved by the Invention] However, under professional advice, an investor wants to determine which financial instruments should be purchased, how much, how to formulate an asset allocation, and build its own portfolio. In the past, to gain expertise in financial information, etc., you would visit a financial institution that provides professional advice,
I had to collect the information myself. Also, when actually selecting a financial institution, the contents of products and services handled by each financial institution vary. For this reason, in order for investors to select the most suitable financial institution for their purposes, they need to obtain some information about each financial institution individually and weigh each other. Therefore, extremely complicated and inefficient work must be performed.

[0004] On the other hand, the financial institution side has been conducting various marketing activities in addition to uniform PR through magazines and newspapers as a marketing activity. If they are passive, they will not be able to effectively stimulate purchase motivation and will not be able to expect sufficient results.

The present invention has been made in view of such circumstances, and provides financial information such as recommended portfolios required by investors and introduces information related to financial institutions such as financial products. It helps investors build their portfolios through allocation planning and financial product selection, while providing an opportunity to gain insight into financial institution selection. The financial transaction support that appropriately matches the opportunity of the prospective customer required by the financial institution, thereby contributing to the interests of both the investor and the financial institution, and thereby activating the securities transaction. It is an object of the present invention to provide a method and an information processing device therefor.

[0006]

In order to achieve the above object, the present invention takes the following measures.

That is, the financial transaction support method of the present invention
Provides financial information via a network, accepts access from those who wish to receive financial information, provides financial information to those who have access, and provides financial information related to the content of financial information at that time. Introduce institution related information,
It is characterized by encouraging the information recipient to access the financial institution.

The financial information referred to here includes investment advice, a recommended portfolio, and the like.

[0009] The financial institution-related information includes various kinds of information that can be differentiated from other financial institutions, such as the name of financial products handled by the financial institution, service contents such as fees, and the like.

The step of prompting access may be performed by setting a link or the like.

[0011] In such a case, the investor can obtain financial information such as a recommended portfolio through access, so that it can be used not only as a basis for various judgments regarding investment but also as a financial information related to the financial information. Since institution-related information is presented, compare and weigh the products and services handled by financial institutions, formulate asset allocations, select financial products, build their portfolios, and optimize their own It can be used as a guide to determine which financial institution is. On the other hand, from the financial institution's point of view, it is expected that information recipients who have been motivated to buy and sell will be able to access themselves through financial institution-related information, so they can efficiently develop prospects without enormous sales efforts , Can be captured.

An information processing apparatus useful for carrying out such a method, which is connected to a network and which receives access of a person who wants to receive financial information, is provided. , A financial institution introducing means for introducing financial institution related information related to financial information, and an access support means for encouraging an information recipient to access the financial institution.

[0013] In order to add useful value to the financial information provision business itself, when there is access from a person who desires to receive the information, registration of personal information is requested, and provision of financial information is provided on condition of registration. It is desirable to do so.

For this purpose, the information processing apparatus only needs to have a personal information registration means for receiving registration of personal information of a person who wants to receive information.

[0015] In order to promote the registration, it is preferable that after the registration, individual financial information related to the registered personal information is provided to the registrant.

For this purpose, the information processing apparatus only needs to have a distribution means for distributing individual financial information related to personal information registered to the registrant.

In order to efficiently collect financial information and information related to a financial institution, the information may be collected from the financial institution in advance.

For this purpose, the information processing apparatus only needs to include information collecting means for collecting financial information or information related to the financial institution from the financial institution.

[0019]

An embodiment of the present invention will be described below with reference to the drawings.

In this embodiment, as shown in FIG. 1, a host computer 1 having functions such as a web server, a database server, a security server, and a mail server is installed on a network such as the Internet. The financial transaction support method of the present invention can be implemented by connecting the terminal 1 to terminals 2 and 3 on the side of investors and financial institutions.

The host computer 1 has a function as an information processing apparatus of the present invention. As shown in FIG. 2, an access accepting means a for accepting an access of a person who wants to receive financial information, and providing financial information. In addition to serving as information providing means b, financial institution introducing means c for introducing financial institution-related information relating to financial information, and access support means d for encouraging information recipients to access the financial institution, those who wish to receive information Personal information registration means e for receiving registration of personal information, distribution means f for distributing individual financial information related to personal information registered for a registrant, and collecting financial information or financial institution related information from a financial institution. Information collection means g
It is configured to work as well. The access receiving means a is an investment advisory site provided to be accessible on the Internet.

On the other hand, while the terminal 2 on the investor side is connected to the host computer 1 on the network, the browsing means h for financial information and financial institution related information and the input means i for personal information and the like are distributed. It is configured to function as receiving means j for individual financial information and the like.

The terminal 3 on the financial institution side is connected to the host computer 1 and has an access accepting means k for accepting access from an information recipient and a financial institution, and a transmitting means m for financial information and financial institution related information. It is configured to work as.

FIG. 3 is a flowchart showing the outline of the program. Hereinafter, along with this flowchart,
An overview of services provided by the investment advisory service of the present embodiment will be described. Note that this flowchart is merely an example.

This site has a registration system. When an investor operates the terminal 1 to access the top page of the investment advisory site of the host computer 1 functioning as the access receiving means a, the investor is contacted. Input of ID and password is required. A person who has already been registered can log in to the menu screen by using the function of the browsing means h of the terminal 2 by being authenticated by inputting the ID and password, and can browse the menu screen. Other than the above, it is a condition of the login that a predetermined registration procedure is followed and an ID and a password are issued. The predetermined registration procedure includes input of personal information such as securities held by investors and investment trusts. These procedures are:
The information receiver uses the function of the input means i of the terminal 2 to perform the operation. In the registration process, it is also required to distinguish between investors and financial institutions.

It is also possible to allow unregistered investors to view only certain financial information or recommended portfolios.

After confirming the registration procedure, if the accessing person is an investor, a menu screen is opened and a button for selecting whether the information to be received is general financial information or a recommended portfolio is selected. The means are displayed. When general financial information is selected, types of financial information such as news, analyst information, and latest financial information (stock prices, price movements, and trading volumes) are displayed. By selecting these, more detailed financial information is displayed. .

On the other hand, when a recommended portfolio is selected,
You will be asked what kind of portfolio you want to browse, for example, a stock portfolio or a mutual fund portfolio. Here, when a stock portfolio is selected, a recommended portfolio screen shown in FIG. 4 is displayed. In this portfolio, each financial institution is surveyed about the recommended portfolio for stocks, and the stocks and investment weights are averaged to make it a new recommended portfolio. That is, as shown in FIG. 5, the financial institution A's stock portfolio is 10%
%, T Motor 20%, S Bank 15%, N Securities 10% ...
0%, T Electric 15%, T Car 10%, S Bank 15%,
N Securities is 15%, and the financial institution Hei's stock portfolio is S Co., Ltd. 20%, H Denki 10%, H Giken 15%, S
Assuming that the bank is 10%, the N securities are 20%, and so on, the average portfolio is 16, 7% by S Corporation, 15,0% by N securities, 10, 0% by T-Car, as shown in FIG.
M electric appliance 10% ...

When an investment trust portfolio is selected, a recommended portfolio screen shown in FIG. 6 is displayed.
For this portfolio, we surveyed each financial institution about asset allocation and recommended funds for investment trusts, and used the average of the asset allocation as the recommended portfolio. In other words, as shown in FIG. 7, the investment trust portfolio of the financial institution A is 40% of Kosha Japan Equity Fund, Kosha U.S. Equity Fund of 40%, and U.S.A.
The short-term public and corporate bond investment trusts are Kosha MMF 20%. Foreign bond fund 10%, short-term public and corporate bond investment trusts are Otsusha MMF 30%, and the investment trust portfolio of financial institutions Hei is Japan ETFs 20% Heisha Japan Equity Funds and European ETFs are Heisei European Stocks 5
Assuming that the foreign bond investment trust is 5% of the external bond fund and the short-term corporate bond investment trust is 70% of the MMF, the total average is 36% and 7% of the Japanese equity investment trust and 13% of the U.S. 3%, European equity investment trust 1,7%, Asian equity investment trust 3,3%, foreign bond investment trust 5%, short-term public and corporate bond investment trust 40%
Becomes

Such financial information may be independently collected and edited by the site operator using all information such as financial information from securities companies, newspapers, media, etc. Even if a part of the information is extracted from the terminal 2 of the financial institution by using the function of the collecting means g, or a questionnaire is taken from the financial institution in a certain form at regular intervals and the result is averaged. I do not care.

Then, for example, when a part of the brand (for example, S Co., Ltd.) displayed in the stock portfolio in FIG. 4 is clicked, a screen shown in FIG. , N Securities, D Securities, etc., service contents such as fees of each financial institution when buying and selling stocks of the brand, advertising information individualized to attract investors, and other various information The financial institution related information including the information is displayed. The name of each financial institution is a button, and when the name of the financial institution (for example, P trade) is clicked, the function of the access support means d of the host computer 1 is used to link to this site linked to this site. It is possible to fly to the site of the terminal 3 of the financial institution (P trade).

Similarly, when a part of the asset allocation (for example, Nippon Stock Investment Trust) displayed in the investment trust portfolio of FIG. 6 is clicked, a screen of FIG. 9 showing a fund handling the asset allocation appears. N Asset Management Japan Equity Fund,
In addition to the names of funds such as D Investment Trust Japan Stock Fund and TM Investment Trust Advisor Japan Stock Fund, service contents such as fees for using the fund, advertising information individualized to attract investors, and other various information The financial institution related information including the information is displayed. Each fund name is a button, and when you click on the fund name (for example, N Asset Management Japan Stock Fund), a link to this site is created using the function of the access support means of the host computer 1. It is possible to fly to the terminal 3 site of the financial institution (N Asset Management Japan Stock Fund).

Therefore, by following the above operations by the investor, referring to the recommended portfolio on the site,
By formulating asset allocation and accessing financial institutions by clicking on each stock, etc., selecting financial institutions and selecting financial products from financial institution information,
You can build your own portfolio.

A portfolio construction means is provided on the site, the selected financial product information is stored in the portfolio construction means, an investor's portfolio is constructed on the site, and the investor's own portfolio is displayed. Is also good.

On the other hand, in FIG. 3, the financial institution accesses the investment advisory
When the user inputs the password and the password, an input screen for financial institution-related information appears, and the user can use the function of the transmitting means m of the terminal 3 to input appropriate information such as advertising information and financial information from here. ing. The information input here is used as information for providing the general financial information and the recommended portfolio described above.

As described above, the above-described financial information, financial institution information, personal information, and the like are stored in the information storage means DB of the host computer 1. Then, the host computer 1 uses the function as the delivery unit f to deliver the individual financial information related to the registered contents, and the registrant uses the function of the reception unit j of the terminal 2 to It is possible to receive the distribution service of individual financial information. For example, if securities and investment trust information are registered, the individual financial information may include information such as the ability to periodically receive related information on the securities and investment trusts by e-mail. Provided services can be received. Alternatively, a person holding shares of a certain company can receive related information, and a person holding a Japanese stock investment trust can receive a service for providing a market outlook of Japanese stocks and related information.

As described above, the financial transaction support method of this embodiment includes a site for providing financial information via a network, accepts access of a person who wants to receive financial information, and In this case, financial information is provided, and at that time, information related to the financial institution relating to the content of the financial information is introduced, and information recipients are encouraged to access the financial institution.

[0038] For this reason, investors can obtain financial information such as a recommended portfolio through access.
Not only can it be used as the basis for various investment decisions, but also financial institution-related information, such as financial products, related to the financial information can be presented. It is possible to construct a portfolio, compare products and services handled by the financial institution, and use it as a guide for judging which is the most appropriate financial institution suitable for its own purpose. On the other hand, from the financial institution's point of view, it is expected that information recipients who have been motivated to buy and sell will be able to access themselves through financial institution-related information, so they can efficiently develop prospects without enormous sales efforts Can be captured, and the opportunity for consignment of securities trading can be increased. In addition, the investment advisor site operator can receive advertising fees and commissions from financial institutions, increasing the motivation of the site operation,
It can contribute to the revitalization of the entire financial market such as the stock market.

The specific configuration of each part is not limited to the above-described embodiment. For example, it is also effective to calculate and rank the recommended asset allocation of each company and the resulting returns of investment trust funds. For example, the result return of a recommended asset allocation is
Japanese equity investment trusts return on Nikkei average, US equity investment trusts on SP
500 index returns, short-term bond investment trusts
It is also effective to calculate the recommended weighted weighted average return using the returns of foreign bond investment trusts of investment trust companies for the average yield of F and foreign bond investment trusts.

Further, a service may be implemented in which information obtained from both registered investors and financial institutions is compiled and processed, and the results are provided to investors and financial institutions. Specifically, data is compiled and processed based on the investor's investment trends and website access trends, and questionnaires to investors and questionnaires to financial institutions. Provide financial institution information to investors.

Other configurations can be variously modified without departing from the spirit of the present invention.

[0042]

The present invention is embodied in the form described above and has the following effects.

That is, the financial transaction support method of the present invention
In order to provide financial information via a network, we accept access of those who want to receive financial information, provide financial information to those who have accessed it, and at that time, financial institutions related to the contents of financial information The information is introduced to encourage the information recipient to access the financial institution.

For this reason, according to the present system, financial information such as a recommended portfolio required by an investor is provided, and information related to a financial institution such as a financial product is introduced. It helps investors build their portfolios and at the same time provides clues for selecting financial institutions. Then, it is possible to appropriately match the opportunity of the prospective customer required by the financial institution, thereby contributing to the interests of both the investor and the financial institution and activating the securities transactions. Become.

In carrying out such a method, an access accepting means for accepting an access of a person who wants to receive financial information, an information providing means for providing financial information, and a financial institution for introducing financial institution related information related to financial information. The above method can be easily implemented by connecting an information processing apparatus having an institution introduction unit and an access support unit that encourages an information recipient to access the financial institution to a network. If a person who wants to receive the information accesses it, requesting registration of personal information and providing financial information on condition of registration, personal information will have useful value. It is also possible to add useful value to the provision business itself.

Such a function can be easily realized by providing the information processing apparatus with personal information registration means for receiving registration of personal information of a person who wants to receive information.

After the registration, if individual financial information related to the registered personal information is provided to the registrant, the registration can be promoted, and the increase in the number of registrants can be reduced by the financial institution. Encourage participation and, by extension, dramatically increase the operating rate of this system.

[0048] Such a function can be easily realized by providing the information processing apparatus with a distributing means for distributing individual financial information related to personal information registered for the registrant.

If financial information and information related to a financial institution are collected in advance from the financial institution, the trouble of collecting the information can be omitted, and the accuracy of the information can be improved.

Such a function can be easily realized by providing the information processing apparatus with information collecting means for collecting financial information or information related to the financial institution from the financial institution.

[Brief description of the drawings]

FIG. 1 is a diagram showing an outline of a system according to the present invention.

FIG. 2 is a configuration explanatory view showing one embodiment of the present invention.

FIG. 3 is an exemplary flowchart illustrating the flow of information in the embodiment.

FIG. 4 is a display screen of a stock portfolio in the embodiment.

FIG. 5 is a view for explaining the portfolio shown in FIG. 4;

FIG. 6 is a display screen of an investment trust portfolio in the embodiment.

FIG. 7 is a view for explaining the portfolio of FIG. 6;

FIG. 8 is a display screen of financial institution related information related to the portfolio of FIG. 4;

FIG. 9 is a display screen of financial institution related information related to the portfolio of FIG. 6;

FIG. 10 is a diagram showing an outline of a system according to the present invention.

[Explanation of symbols]

 1 ... Information processing device (upper computer) a ... Access acceptance means b ... Information provision means c ... Financial institution introduction means d ... Access support means e ... Personal information registration means f ... Distribution means g ... Information collection means

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/30 340 G06F 17/30 340A

Claims (8)

[Claims] 1. A method for providing financial information via a network, comprising the steps of: accepting access of a person who wants to receive financial information, providing financial information to the accessing person; A financial information providing method characterized by introducing information related to a financial institution related to the above, and encouraging an information recipient to access the financial institution. 2. An access receiving means connected to a network for receiving access of a person who wants to receive financial information, an information providing means for providing financial information,
An information processing apparatus comprising: a financial institution introduction unit for introducing financial institution related information related to financial information; and an access support unit for encouraging an information recipient to access the financial institution. 3. The financial transaction support method according to claim 1, wherein when access is made by a person who desires to receive information, registration of personal information is requested, and financial information is provided on condition of registration. . 4. The information processing apparatus according to claim 2, further comprising personal information registration means for receiving registration of personal information of a person who wants to receive the information. 5. The financial transaction support method according to claim 1, wherein after registration, individual financial information related to the registered personal information is provided to a registrant. 6. The information processing apparatus according to claim 2, further comprising a distribution unit configured to distribute individual financial information related to personal information registered to the registrant. 7. The financial transaction support method according to claim 1, wherein the financial information or the financial institution related information includes information collected in advance from a financial institution. 8. The information processing apparatus according to claim 2, further comprising information collecting means for collecting financial information or financial institution related information from a financial institution.