JP2003044679A - Providing method of financial service, system and financial agency device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To analyze accumulated client information to be provided to financial institutions as profiling information by managing the financial property of clients which a plurality of the financial institutions manage in place of the clients. SOLUTION: Financial transaction such as inquiry and totalization of property contents of transaction financial institutions, measurement and warning of a risk amount of the financial property, proposal of cancellation and purchase of the financial products, deposit, withdrawal, transfer or the like is enabled in place of the clients contracted with a financial agency company by the financial agency company 12 executing business of the financial institutions, a web site of the financial agency company and an automatic teller machine, and a financial agency device 120 providing client information obtained by the service, transaction information and analysis result of the transaction information to an enterprise contracted with the financial agency company.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial service providing method, system and financial agent apparatus, and more particularly, to a financial service providing method for managing financial products provided by a plurality of financial institutions on behalf of customers. The present invention relates to a system and a financial agent device.

[0002]

2. Description of the Related Art Generally, an individual or a corporation, which is a customer of a financial institution, inquires about the contents of its own assets or requests the transfer of funds, or uses information on financial products provided by the financial institution, or When purchasing a product, these customers generally use a channel such as a counter of a financial institution of a business partner, an automated teller machine, or a website. Therefore, when there are a plurality of customer financial institutions, the customer tries to grasp his own total assets, and the counter of each customer financial institution, the automated teller machine or the W
It was necessary to individually obtain the asset information from the eb site and add the individual asset information to each customer. Also, when purchasing a new financial product or when replacing a financial product that the customer already has with another financial product, the customer
Similar to the above, after obtaining the product information from each financial institution, he / she measures the risk of each product and decides to purchase the product.

On the other hand, it is difficult for a financial institution to obtain transaction information between another financial institution and a customer. Therefore, it is the current situation that a financial institution can make a product proposal only based on the transaction information with its own customer. Is.

[0004]

The above-mentioned conventional method causes the following problems from the viewpoints of customers and financial institutions. That is, in the conventional method, it is troublesome for the customer to grasp the asset status of the financial product, the amount of risk of each product, the total amount of his own assets, etc., which he owns individually for each financial institution. It has a problem. In addition, the conventional method is that each financial institution considers obtaining personal information of customers and categorizing it by type to improve the efficiency of product proposals. The number is enormous, and there is a problem that the work of categorizing it requires a great deal of cost.

Further, in the conventional method, when each financial institution that desires to acquire the personal information of the customer provides the customer with the information about the financial product sold by the financial institution, the personal information of the customer (including the potential customer) is requested. Often, ordinary customers compare financial products provided by each financial institution and consider optimal asset management, and as a result, let the customer disclose their personal information to many financial institutions. It will be. This leads to concerns about unnecessary DM transmission to customers and the risk of unauthorized use of personal information, and each financial institution needs to establish a mechanism for properly managing customer personal information. Becomes

[0006] An object of the present invention is to enable a financial institution to manage and operate its financial assets on behalf of the customer based on the customer's instructions, and to manage the personal information of the customer appropriately. On the other hand, it provides analysis results such as profiling information of users of the service provided by the present invention,
A financial service providing method, system, and financial agent apparatus capable of providing an information providing service such as a product proposal corresponding to a customer's needs and also providing an information providing service and a data management service related to the information providing service. To provide.

[0007]

According to the present invention, the object is to provide various services provided by a financial agency company through a financial agency company acting on behalf of a financial institution, a website of the financial agency company, and an automated teller machine. It is achieved by executing.

[0008] That is, when the customer and the financial agency company have a contractual relationship with each other, the purpose is that the financial agency company inquires and aggregates the customer's asset content on behalf of the customer, reports the asset content, and reports the financial asset This is achieved by providing a financial agent device having an agent function of measuring / warning the amount of risk, canceling / purchasing financial products in accordance with a customer's instruction, and additionally performing deposit / withdrawal / transfer.

[0009] Further, the above-mentioned purpose is to analyze the transaction information obtained by the financial agency device and the financial agency service, profile the customer, provide the profile result to the company, and propose the product based on the analysis result. Done,
Further, it is achieved by providing a security function to protect the privacy information of the customer in the process of providing information.

[0010]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of a financial service providing method, system and financial agent apparatus according to the present invention will be described in detail below with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of a financial service system according to an embodiment of the present invention, and FIG. 2 is a diagram for explaining the flow of information between the parties in the transaction scheme executed by the system shown in FIG. FIG. 3 is a block diagram showing a functional configuration of a financial agency device owned by the financial agency company, FIG. 4 is a flowchart for explaining processing operations when the financial agency device newly registers a customer, and FIG. 5 is a financial agency device. FIG. 6 is a flowchart for explaining the processing operation when the agent service is provided to the customer. FIG. 6 is a flowchart for explaining the processing operation when the financial agent device uses the agent function to provide the asset management service such as risk management to the customer. 7 is a flow chart, FIG. 7 is a flow chart for explaining the processing operation when the financial surrogate device provides profile information to a financial institution. Is a view for explaining the contents of a database that is connected to the financial agent apparatus. 1 to 3, 11 is a customer, 12 is a financial agent company, 13 is a financial institution, 110 is a customer device, 120 is a financial agent device, 1
21 is an input / output unit, 122 is a transmission / reception unit, 123 is an authentication unit, 124 is a parameter analysis unit, 125 is an asset management unit,
126 is a profile part, 127 is an agent part, 1
28 is a customer management unit, 129 is a database, and 130 is a financial institution device.

In the financial service system according to one embodiment of the present invention, as shown in FIG. 1, each of a customer 11, a financial agency company 12, and a plurality of financial institutions 13 has a customer device 110, a financial agency device 120, and a financial institution device. The customer device 110, the financial agent device 120, and the financial institution device 130 are configured to be connected to each other via a network such as a public communication network. Perform processing. In the following description, the financial institution device 130 generally refers to a plurality of devices connected to the financial agent device 120.
3 refers to a general financial institution having the financial institution device 130. In addition, the customer device 110 here
In the embodiment of the present invention to be described, the description will be made on the premise that the customer 11 has a PC.
The information terminal is not limited to the PC, but may be other information terminals, mobile terminals, ATMs, touch-tone phones, and the like.

The financial agency company 12 provides a service to a customer through the financial agency device 120 by using an agent function and an information management function, while providing a service by using a profiling function to a financial institution 13. . As a condition therefor, the customer 11 and the financial institution 13 transmit predetermined information set in advance via the customer device 110 and the financial institution device 130 to the financial agent device 120, that is, the respective information to the financial agent company. Customer 1 in the transaction system of providing passwords, etc.
1. Receive an identifier for uniquely identifying the financial institution 13 and receive service provision according to the embodiment of the present invention.

In the case of the customer 11, the above-mentioned preset predetermined information is his / her personal information, that is, his / her name, address, telephone number, date of birth, work place, work address, years of service, living form. , Family structure, social insurance number, etc., and information on financial assets owned by the user (hereinafter, simply referred to as asset information). The asset information is, specifically, the customer 11
The name and location of the transaction financial institution 13, the name of the branch of the transaction financial institution that directly conducts transactions with the customer 13, the location, and the type of transaction (customer deposit, Time deposits, investment trusts, stock investments, annuities, withdrawals of public utility charges, etc.), and financial assets held, etc.).

The preset predetermined information of the financial institution 13 is, for example, financial information (financial statements), product information (product name, investment unit, interest rate, maturity, commission, etc.), customer 1
This is information on movement of the asset of item 1. However, among the above, customer 1
Other than the personal information of 1 and the name of the financial institution with which the customer 11 conducts transactions, the financial agency company 12 entrusted by the customer 11 receives the information directly from the transaction financial institution 13 of the customer 11. Good.

Next, the financial agency company 12 makes the customer 11
The outline of the services provided to will be described.

The above-mentioned service by the agent function is that the financial agency company 12 carries out the transaction or processing delegated to the customer 11 on behalf of the customer 11. Here, the above-mentioned delegation will be described assuming that a comprehensive delegation contract has been concluded in advance between the financial agency company 12 and the customer 11. However, the contract is concluded for each process or transaction. Good.

The financial agency company 12 conducts transactions (purchase / sale of financial assets, transfer, transfer, etc.) designated by the customer in accordance with the instructions of the customer 11 based on the above-mentioned delegation contract, and the other respective customers 11 Grasps the asset amount and risk amount of assets held by each financial institution 13, the total asset amount of each customer 11 and the risk amount in the total asset, and this information is requested by the customer 11 or periodically. 11
To provide. At this time, the above-mentioned monitoring of the risk amount may be performed regularly or constantly, but in the case of constant monitoring, when the assets of the customer 11 change. Immediate notification from the financial institution 13 is required.

The financial agency company 12 monitors the above-mentioned change in the risk amount, and when the risk amount relating to the assets of the customer 11 exceeds the risk amount designated in advance by the customer 11 or when there is a high probability of exceeding it. To that effect, the customer 11 is notified and an instruction is requested. At this time, the financial agency company 12
Together with the notification, specify the transaction (portfolio reclassification, cancellation of specific financial products, etc.) necessary to maintain the optimal risk amount for the customer 11, and seek approval for execution of this transaction. Can be The transaction proposal as described above does not have to be single, but may be multiple transaction proposals that appear to be optimal, in which case
The customer 11 makes a selection. The approval of the customer 11 for the proposed transaction may be given to the financial agency company 12 in advance.

The service by the information management function is a service in which the financial agency company 12 manages information provided by the customer 11 or the financial institution 13 and provides it to the customer 11 based on the information.

This service is, for example, among the financial products provided by the financial institution 13 based on the personal information which the financial agency company 12 receives and manages in advance, the customer 1
It is a service that proposes to a customer 11 a financial product that is considered to be the best. At that time, this proposal balances not only the status (living environment, status) of the customer 11 derived from the personal information of the customer 11 but also the financial assets (= portfolio) of the customer 11 at the time of product proposal. Done. In other words, this proposal ensures that the proposed financial product alone is optimal for the customer 11 at the present time, and that the value of the assets owned by the customer 11 as a whole increases or does not increase due to the purchase of the financial product. However, it is maintained on the condition that the amount of decline is minimized. As a result, the customer 11 can be provided with a substantially optimal financial product proposal service, and the customer 11 can obtain necessary information.

Further, the financial agency company 12 is
Even when the user 1 arbitrarily selects and purchases a financial product, he / she provides the information regarding the financial product in line with the wishes of the customer 11. The customer 11 can compare and examine the financial products provided by each financial institution without providing his / her personal information to a plurality of financial institutions.

Next, a profiling service using the profiling function provided by the financial agency company 12 to the financial institution 13 will be described.

The profiling service is to categorize customers by using the information of the customers 11 collected by the financial agency company 12 as members, analyze the transaction propensity and product preference for each customer group, and send it to the financial institution 13. It is provided. The financial institution 13 can carry out highly accurate sales promotion activities by using the profile information thus obtained for marketing.

In FIG. 2, which shows the transaction scheme according to the embodiment of the present invention described above in an organized manner focusing on the flow of information, from the customer device 110 of the customer 11, the personal information of the customer 11 and any information. The transaction instruction information for instructing the processing is transmitted, and the financial institution device 130 of the financial institution 13 transmits the asset information and the product information of the customer 11 and the financial information indicating the financial content of the financial institution 13 to obtain the financial information. It is stored in a database connected to the proxy device 120. The financial agent device 120 provides the customer 11 with the asset information, the risk information, and the product proposal based on the information, and provides the financial institution 13 with the profiling service.

The financial agent device 120, as shown in FIG. 3, has an input / output unit 121, a transmission / reception unit 122, an authentication unit 123,
Parameter analysis unit 124, asset management unit 125, profile unit 126, agent unit 127, customer management unit 12
8 and a database 129. And
The asset management unit 125 includes a portfolio management unit 1251,
Risk management unit 1252, proposal unit 1253, update unit 125
4, the profile unit 126 includes a definition receiving unit 126.
1, the analysis unit 1262, and the customer management unit 128 includes a new registration unit 1281 and an update unit 1282.

The input / output unit 121 inputs and outputs information to the financial surrogate device 120. For example, the customer registration of the usage applicant to the system according to the embodiment of the present invention, the registration of a newly affiliated financial institution, and the like are executed through the input / output unit 121.

The transmission / reception unit 122 has personal information, transaction instruction information, and financial institution device 130 transmitted from the customer device 110.
Each of the customer asset information, product information, financial information, profile request information, and the like transmitted from the client device 11 is received.
0, product information, risk information, asset balance information, transaction instruction information, profile information, etc. are transmitted to the financial institution device. Further, when transmitting / receiving the above-mentioned information by the transmitting / receiving unit 122, the authentication unit 123 authenticates the transmission source of the received information,
At the same time as confirming the other party, processing such as attaching an electronic signature to the information transmitted by the financial surrogate device 120 is performed.

The parameter analysis unit 124 analyzes the parameters of the information received by the financial surrogate device 120, and receives the received information in the asset management unit 125, the profile unit 126, the agent unit 127, the customer management unit 128, and the database 129 according to the result. Fulfills the function of passing.

The portfolio management unit 1251 of the asset management unit 125 centrally manages individual assets held by the customer 11 in a plurality of financial institutions 13 based on information transmitted from the financial institutions 13. Also, the risk management unit 1252
Monitors the risk amount in the assets of the customer 11 managed by the portfolio management unit 1251 and compares the risk amount with the allowable risk amount set for each customer 11 and stored in the database 129. The proposal unit 1253 is the risk management unit 1
Amount of risk that customer assets have at 252 and database 1
According to the result of matching with the risk allowance stored in 28, the optimal financial product for each customer is selected from the product information stored in the database 129, and this is selected by the customer 1
Suggest to 1. The updating unit 1254 receives the information that the asset amount of the customer 11 has changed, and updates the asset amount stored in the database 129.

The profile unit 126 provides profile information to the financial institution 13, and the financial institution 1
3, the definition receiving unit 1261 receives the information necessary for profiling the customer as the definition information, and the analyzing unit 1262 analyzes the transaction preference of the customer group using the information.

The agent unit 127 transfers the transaction instruction information received from the customer 11 to the financial institution which is the instruction target.

The customer management unit 128 manages and updates the information of the customer 11. The new registration unit 1281 registers the use applicant as a customer in the database 129, and the update unit 1282 stores the personal information of the customer 11 to be updated stored in the database 129 when the personal information of the customer 11 changes. Database 129
To update.

Next, with reference to the flow shown in FIG. 4, the processing operation when the financial surrogate device 120 newly registers the customer 11 will be described.

(1) The application of the application information obtained from the applicant for using the service provided by the financial agency company 12 is accepted. The application information includes personal information such as name, address, telephone number, date of birth, work place, work address, years of service, living style, family composition, social insurance number, and the name of the applicant's transaction financial institution 13. , Location, name of the branch of the transaction financial institution that has direct transactions with the customer 13, type of assets that the applicant has at each transaction financial institution 13 (saving deposit, time deposit, mutual fund, stock investment, annuity insurance) In addition to asset information such as the above, the financial agent company 12 or the financial agent device 120 includes allowable risk amount information and operation policy information necessary for risk management of the applicant's assets. By the way, the allowable risk amount information is information about the amount of risk that the applicant can bear in his own assets,
In addition, the operation policy information is information regarding the guideline required when the financial surrogate device 120 determines the content of the portfolio proposed to the applicant (step 401).

(2) The financial agent device 120 stores the personal information included in the received application information in the database 129 and manages the applicant's assets from the asset information included in the application information. It is determined whether or not the transaction financial institution has a tie with the financial agency company 12 (steps 402 to 404).

(3) If it is determined in step 404 that the transaction financial institution and the financial agency company 12 are not in a partnership with each other in the transaction scheme, an asset information unavailable notification indicating that asset information cannot be obtained is issued. The process is transmitted and the process ends (steps 410 and 409).

(4) If it is determined in step 404 that the transaction financial institution and the financial agent company 12 have a tie-up relationship in the transaction scheme, the financial agent device 120 uses a customer identifier that uniquely identifies the applicant as a customer. Issue. The customer identifier may be notified to the applicant in the form of a password or the like, or may be stored in a card such as an IC card and provided. It is assumed that the financial agency company 12 and the financial institution 13 are previously affiliated with each other in the transaction scheme according to the embodiment of the present invention, and the financial institution 13 regards the financial agency company 12 as an agent of the customer 11. In that case, it is assumed that it is agreed to confirm the authenticity of the data transmitted from the financial agent device 120. Further, the above-mentioned authenticity confirmation may be performed by confirming whether or not the digital signatures of the customer 11 and the financial agency company 12 are attached on the data. The method need not be limited (step 405).

(5) Next, the financial agent device 120 requests the transacting financial institution recognized in step 403 to transmit information regarding the assets of the applicant, and the financial institution device 1
The customer asset information (product name, balance, etc.) replies transmitted from 30 are received, these are stored in the database, and the processing ends (steps 406 to 409).

In the processing described above, the financial institution device 13
The transaction financial institution 13 holding 0 has been informed in advance that the financial agency company 12 is delegated the asset management of the customer 11, and responds to the above-mentioned request from the financial agency device 120 in step 406. If you send information by using the above method, you will be exempt from performing the prescribed procedure.
Further, the notification of the asset management delegation by the financial agent device 120 may be sent by the applicant to each financial institution.
The financial agency company 12 may send the notification to each transaction financial institution 13 once the notification is received. Further, the above-mentioned notification may be electronic means such as communication via a network, or may be a written delivery by mail.

Next, with reference to the flow shown in FIG. 5, the processing operation when the financial agent device 120 provides the agent service to the customer 11 will be described. Note that the processing here will be described as an example in which the financial agency server processes a transfer request requested by the customer 11 via the customer device 110, but the service is not limited to the transfer request, and the account is not limited to the transfer request. It may be a request for transfer, balance inquiry, financial transaction (purchase or sale of financial products, other financial assets, etc.).

(1) First, the financial surrogate device 120 receives an access request from the customer device 110 and authenticates whether or not the access request is sent by the customer 11. As described above, this authentication procedure may be performed by the password entered by the customer 11 or by the electronic signature of the customer 11 attached to the data (steps 5011 and 5012).

(2) If the person cannot be authenticated in step 5012, the processing here is terminated. When the person is authenticated, the financial surrogate device 120 is transferred to the customer device 11
From 0, the customer 11 receives the transfer request indicating the instruction content to the financial agency company 12. The transfer request is made, for example, when the customer selects a predetermined icon prepared on the homepage opened by the financial agency company on the Web,
When the transfer is selected on the touch panel provided in the ATM, it is transmitted to the financial agent device 120 (step 50).
7, 5021).

(3) Upon receipt of the above-mentioned transfer request, the financial proxy device 120 searches the transfer source account based on the customer identifier of the customer 11 authenticated in step 5012 and the product information, and transfers the transfer source account information. And a transfer destination input request are generated and transmitted to the customer device 110. Here, the transfer source account is a deposit and savings account held by the customer 11 at a financial institution, and can be used as a transfer source of funds when the customer 11 requests transfer. Also,
The transfer source account information includes information (depositing bank account name, branch name, account number, account balance) related to the savings account searched as the transfer source account, and the customer 11 selects the transfer source account from the plurality of transfer source account information. The source of transfer of funds can be designated by making an arbitrary selection. The transfer destination input request information is information for requesting the transfer information input by the customer 11 in order to specify the transfer destination of the funds, and specifically, a predetermined item (transfer destination financial institution name, branch name, account type). , Account number, etc.) (steps 5022, 5023).

(4) Step 5 of the financial agent device 120
In the case where the transfer source account designation information and the transfer information transmitted from the customer device 110 according to the transfer source account information and the transfer destination request information transmitted in the processing of 023 are received and the transfer indicated in the transfer information is carried out The risk amount in the assets of the customer 11 is calculated, and it is determined whether the calculated risk amount is less than or equal to the designated risk amount (steps 5024 and 503).
1, 5032).

(5) As a result of the judgment in step 5032,
If the risk amount after the transfer exceeds the designated risk amount, a confirmation request is transmitted to the customer device 110, and the customer device 1 receives the confirmation request.
When the approval is not given from 10, the processing here is terminated (steps 5033, 5034, 507).

(6) As a result of the judgment in step 5032,
If the risk amount after the transfer is less than or equal to the designated risk amount, or if the approval information is received in step 5034,
The financial proxy device 120 searches the database for the transfer source financial institution based on the transfer source account designation information, generates transfer request information, and transmits the transfer request information to the searched transfer source financial institution.
The transfer request information is the account number of the transfer source account, the account type, the handling financial institution name of the transfer destination account, the branch name, the transfer destination account number, the account type, the name of the customer 11 and the financial agency company 1.
2 including a digital signature (steps 5041 to 504)
3).

(7) The financial surrogate device 120 receives confirmation information from the financial institution device 130 of the transfer source financial institution, and transfers this confirmation information to the customer device 110 (steps 5051 and 5052).

(8) When the approval information is received from the customer device 110 for the confirmation information transferred in step 5052,
If it is not approved, it is judged whether it is approved or not.
The cancellation notice is transmitted to the financial institution device 130, and the process ends (steps 5061, 5035, 507).

(9) In step 5061, if the approval is obtained, the approval information is transferred to the financial institution device 130,
The database is updated and the process ends (step 50).
62, 5063, 507).

Although not shown in the above description,
In steps 5034 and 5061, a predetermined time may be waited, and when the approval information from the customer is not retransmitted, the process may be ended by a time-out process. Further, it is possible to omit the processing from step 5051 to step 5062 described above. In that case, after the processing of step 5043, the database of step 5063 is updated and the processing ends. Further, in the above description, when the risk amount of the customer asset exceeds the designated risk amount in the process of step 5032, the requested process is executed to update the designated risk amount, or the process itself is canceled. Although described as an alternative, it is also possible to adjust the amount of risk in the customer's assets by modifying the portfolio of the customer 11, as will be described next with reference to FIG.

Next, referring to the flow shown in FIG. 6, the financial surrogate device 120 uses the agent function to send the customer 11
The processing operation when providing an asset management service such as risk management will be described. The processing here is performed by the customer 11 that has a low-risk financial asset (for example, government bond, ordinary deposit,
As an example, a case will be described in which the risk in the entire assets of the customer 11 increases as a result of a decrease in the time deposits, etc.) for some reason. In the example described below, the processing flow of the asset management service is assumed to start due to changes in customer assets, but the trigger itself for starting the processing flow is not limited to changes in customer assets. In addition to the inquiry about the asset balance by the customer 11, a predetermined time or a lapse of time may be simply used.

(1) First, the financial agent device 120 receives the asset fluctuation information notifying the fluctuation of the customer asset and analyzes the parameter thereof. This asset fluctuation information includes at least a sender, an identifier (a product name, an account number, etc.) that identifies the fluctuated asset, a fluctuation amount, and may further include a fluctuation cause caused by the fluctuation of the asset (step 601, 60
2).

(2) Step 6 of the financial agent device 120
The database is updated according to the parameters analyzed in step 02, and the risk amount is calculated based on the customer asset information stored for each customer 11 in the database (step 60).
3, 604).

(3) Subsequently, the financial representation device 120 designates the risk amount calculated in step 604 and the upper limit of the risk amount that the customer 11 bears, and the designated risk amount managed by the database for each customer 11 When the risk amount in the customer asset is equal to or less than the designated risk amount of the customer 11, the processing here is ended (step 605,
612).

(4) As a result of the comparison in step 605, when the risk amount of the customer asset exceeds the designated risk amount,
The financial agent device 120 generates alternative portfolio information. Alternative portfolio information is the processing necessary to keep the risk amount of customer assets within the specified risk amount range, or to suppress the excess amount of the specified risk amount, and to increase or decrease the customer asset amount. This is information that presents processing that minimizes the processing. In addition, the financial agent device 12
The presentation of the processing as described above by 0 does not need to present a single processing, but presents a plurality of processing candidates as long as the condition that the risk can be suppressed and the return can be increased can be satisfied. Good (step 60
6).

(5) Step 6 of the financial agent device 120
The alternative portfolio information generated in 06 is attached with a notice that the risk amount of the customer asset exceeds the designated risk amount, and a risk alert notice is generated and transmitted to the customer 11 (step 607).

(6) Next, the financial surrogate device 120 receives the answer information to the risk alert notification, and analyzes the parameter thereof (steps 608 and 609).

(7) In step 609, when the content of the reply information is the approval to execute the processing presented in the alternative portfolio information, the processing shifts to the processing from step 5031 described with reference to FIG. 5 (step 61).
3).

(8) In step 609, if the content of the reply information is a notification that the customer 11 does not perform any special processing regarding the increase of the risk amount (approval of specified risk amount excess),
The designated risk amount is updated to the risk amount borne by the customer asset at this stage, and the process ends (steps 610 to 612).

Note that, as described above, when there are a plurality of processes presented in the alternative portfolio information, the customer 11 selects any process from the processes presented via the customer device 110. Further, when the designated risk amount is updated in step 610, the customer 11 may be required to reset the designated risk amount. Further, as explained at the beginning, when the financial agency company 12 is comprehensively delegated by the customer 11, the processing determined to be optimal is performed without obtaining approval for the processing in each alternative portfolio information. It could be

In the asset management service according to the above-described processing example, the processing required for providing the service is started upon the occurrence of a predetermined trigger, but conversely, such processing is not required and may be performed at any time or It is also possible to provide the customer 11 with the financial product information that seems to be optimal at any time.
That is, in the case where the financial agent device 120 provides the customer 11 with information regarding a financial product that is determined to be optimum for each customer 11 based on the personal information of the customer 11 and the product information of the financial institution 13, which is preliminarily provided and managed. Is. Such a case is the asset management service using the information management function described above. It should be noted that the term "optimum" used here has already been described, but it is not only the status of the customer 11 (living environment, situation) derived from the personal information of the customer 11 but also the balance with the financial assets of the customer 11 at the time of product proposal. In other words, the proposed financial product is useful for the customer 11 at the present time as a standalone unit, and the value of the asset owned by the customer 11 as a whole increases or maintains or declines by the purchase of the financial product. Shall be said.

Although not shown, the financial agent device 120
Acquires information about financial products sold by each financial institution 13 from the financial institution 13, stores this as product information in a database connected to itself, and manages it. This processing may be performed via the financial institution device 130 connected to the financial institution 13, or the financial institution 1
Alternatively, the system administrator of the financial proxy device 120 may input the product information (brochure or the like) delivered by mail from 3 or the like.

Next, with reference to the flow shown in FIG. 7, the processing operation for the customer profile analysis, which is one of the services, will be described.

(1) Upon receiving the profile analysis result provision request of the customer 11 from the financial institution apparatus 130, the financial representation apparatus 120 receives the customer information from the customer information table and the product name, holding amount, and transaction financial institution from the customer asset table. Then, information such as transaction history, product type, and access means is acquired from the transaction history table (steps 701 and 702).

(2) Then, the financial proxy device 120 analyzes the customer 11, classifies the customer 11 into a predetermined type from the analysis result, and updates the analysis result table based on the result (step 703). ~ 705).

(3) The relationship between the customer type, total assets, and total risk amount is analyzed from the information in the analysis result table, and the result is provided to the financial institution device 130 together with the transaction information excluding personal information. The process ends (step 706).

The database connected to the financial agent device 120 stores information having the contents shown in FIG. The customer information TB (table) includes, for example, a name, an address, a gender, a telephone number, a date of birth, an occupation, a place of employment, a number of years of service, a family structure, a living form, a customer identifier that uniquely identifies the customer, and a customer. A product identifier for identifying a financial product held by 11, a user ID for Internet access and a personal identification number, and a designated risk amount (long-term stable type, short-term type, speculative operation type, etc.) are stored. The asset information TB stores a transaction ID and a personal identification number uniquely given to the customer 11 by each financial institution 13 such as a customer identifier, a balance, a personal identification number, a product identifier, an account number or a customer number. Also, the transaction information T
In B, for example, a customer identifier, a product identifier, a transaction history, etc. are stored, and in the company information TB, for example, a company name, an address, a date of affiliation, a financial institution user ID and a personal identification number,
A telephone number, financial information, a financial institution identifier that uniquely identifies the financial institution 13 and the like are stored. The analysis extraction TB stores, for example, a service No. and a service name, and at the timing when the service No. is selected, the program in the service name is started and the analysis result is returned. The analysis result TB stores customer identifiers, total assets, total risk amounts, customer profile results, and the like. The product information TB stores a product name, a product identifier, an average interest rate, a risk amount, an operation policy, a financial institution identifier of the financial institution 13 that provides the product, and the like.

[0069]

As described above, according to the present invention, a customer can receive various services for centralized management of financial assets across a plurality of financial institutions, and a company can acquire asset information and attribute information of the customer. It becomes possible to receive product proposals, and the financial agency company can obtain contract fees and commissions by managing financial assets of customers and disclosing financial assets and attribute information to companies. In the financial agency company that provides such services, a general company commercializes as a service providing department or a service providing company establishes as an SI business, so that the profit of the general company or the service providing company can be increased. Can be expected.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of a financial service system according to an embodiment of the present invention.

FIG. 2 is a diagram for explaining the flow of information between the parties in the transaction scheme executed in the system shown in FIG.

FIG. 3 is a block diagram showing a functional configuration of a financial agent device owned by a financial agent company.

FIG. 4 is a flowchart illustrating a processing operation performed when the financial surrogate device newly registers a customer.

FIG. 5 is a flowchart illustrating a processing operation when the financial agent device provides an agent service to a customer.

FIG. 6 is a flowchart illustrating a processing operation when a financial agent device uses an agent function to provide an asset management service such as risk management to a customer.

FIG. 7 is a flowchart illustrating a processing operation when the financial surrogate device provides profile information to a financial institution.

FIG. 8 is a diagram illustrating the contents of a database connected to a financial agent device.

[Explanation of symbols]

11 customers 12 Financial agency company 13 financial institutions 110 Customer equipment 120 financial agent device 121 Input / output section 122 Transmitter / Receiver 123 Authentication Department 124 Parameter analysis unit 125 Asset Management Department 126 Profile section 127 Agent Department 128 Customer Management Department 129 database 130 financial institution equipment

Continued front page    (72) Inventor Ken Nozaki             1099 Ozenji, Aso-ku, Kawasaki City, Kanagawa Prefecture             Ceremony company Hitachi Systems Development Laboratory (72) Inventor Ryoji Sato             Hitachi Ki, 2-15-12 Nishi-Shimbashi, Minato-ku, Tokyo             Within Capital Co., Ltd.

Claims (9)

[Claims] 1. A method of providing a financial service, comprising a financial agent device connected to a customer device and at least one financial institution device, for providing financial services to a customer and a financial institution, wherein the financial agent device is provided. Asset information of a customer having a customer device from the financial institution device, store and manage product information for each financial institution, and the asset owned by the customer in the financial institution based on the asset information and the product information A method for providing financial services, comprising: calculating the amount of assets and the amount of risk in the assets, and transmitting the amount of assets and the amount of risk to the customer. 2. The designated risk amount data set for each customer is stored and managed, the calculated risk amount is compared with the designated risk amount, and the designated risk amount and the product are compared according to the result of this comparison. 2. The method for providing a financial service according to claim 1, wherein one or more products are selected as proposal products from the product information based on the information and the asset information and are transmitted to the customer device. 3. The product selected as the proposed product is
The financial service providing method according to claim 2, wherein the product is a product that reduces the difference between the risk amount of customer assets and the designated risk amount by the purchase. 4. The finance according to claim 1, 2 or 3, wherein the transaction information of the customer is analyzed, the profile analysis for categorizing the customer is performed, and the analysis result is transmitted to the financial institution device. Service provision method. 5. A financial service providing system, comprising a financial agent device connected to a customer device and at least one financial institution device, for providing financial services to a customer and a financial institution, wherein the financial agent device. A first receiving unit that receives asset information of a customer who has a customer device from the financial institution apparatus, a first storage unit that stores product information for each financial institution that has the financial institution apparatus, and the asset information; An asset management unit that calculates the asset amount of the asset held by the customer and the risk amount of the asset to the financial institution based on product information, and a notification unit that transmits the asset amount and the risk amount to the customer. A system for providing financial services, comprising: 6. The financial surrogate device comprises a second storage unit for storing designated risk amount data set for each customer,
A risk management unit that compares the risk amount calculated by the asset management unit with the designated risk amount, and based on the designated risk amount, the product information, and the asset information according to the result of the comparison by the risk management unit. 6. The system for providing a financial service according to claim 5, further comprising a proposing unit that selects one or more commodities from the merchandise information as a proposing merchandise and sends the proposing merchandise to a customer device. 7. The product selected by the suggestion unit is
7. The financial service providing system according to claim 6, wherein the product is a product that reduces the difference between the risk amount in the customer asset and the designated risk amount by the purchase. 8. The financial surrogate device analyzes a third storage unit for storing transaction information of the customer and the transaction information,
8. The financial service providing system according to claim 5, further comprising a profile analysis unit that categorizes customers. 9. A financial agent device, which is connected to a customer device and at least one financial institution device and provides financial services to the customer and the financial institution, wherein the financial institution depositing the customer's assets respectively manages the asset. An asset management unit that calculates the total assets of the customer based on the asset information of the customers and product information that is information about financial products that form the assets, and a notification unit that transmits information indicating the total assets to the customer device. A financial agent device comprising: