JP2003263564A - Commission deciding method and its device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To properly decide a commission to be paid to an agent promoting purchase of a financial product such as a defined contribution pension constructed of a selection of a combination of financial products selected by the customer. <P>SOLUTION: A commission deciding method for deciding a commission to a promoter promoting purchase of a second kind of financial product constructed of an optional selection of a plurality of first kind of financial products (an investment trust and an insurance, for example) by a customer includes a step for acquiring information about a selection form of the first kind of financial products by the customer and information about the promoter performing promotion activity on the customer for the second type financial product purchase and a commission setting step for setting the commission by using information about ability of the promoter about at least the respective first kind of financial products selected by the customer and information about the selection form of the respective first kind of financial products selected by the customer. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technique for determining a sales commission for financial products.

[0002]

2. Description of the Related Art In recent years, a defined contribution pension system has been introduced in Japan. Briefly explaining the defined contribution pension system, participants select financial products to manage their own funds,
It is a system to build a pension at your own risk by changing it. In this defined contribution pension system, there are a corporate type adopted by a company as one form of a corporate pension plan and an individual type used by employees or self-employed persons of a company that does not have a company-specific pension plan. In the corporate type, a company selects an operation management organization based on a labor-management agreement between the company and a subscriber who is an employee of the company, and outsources the work. The operation management organization is divided into an operation management organization for operation related work and an operation management organization for record related operation. Financial institutions mainly manage the operation and management of operation-related operations, and select and present investment products and provide information on investment products. However, the operation management organization should not encourage subscribers to operate the product in a way that is biased towards individual products. The operation management organization of the record-related business is the organization that manages the data record of the participants regarding the defined contribution pension,
It is also this institution that receives operational instructions and operational status inquiries from subscribers. In addition, the operation instruction is compiled and the information regarding the operation instruction is output to the asset management organization and the operation product sales organization. Pension premiums are contributed from companies to asset management institutions, and the asset management institutions pay each product sales company.

In the individual type, the subscriber selects an operation management organization. Therefore, it is general that the operation management organization also carries out the subscriber reception work. The rest of the functions of the operation management organization are almost the same as the corporate type. The operation management organization is outsourced by the National Pension Fund Federation. The pension premium is paid to each investment product sales company from the subscriber or the company through the financial institution to which the business is outsourced. It is the same for individual type that the operation management organization should not recommend the subscriber to operate in a way that is biased towards individual products.

The operation management organization may be an insurance company, a securities company, a financial institution such as a bank, or its affiliated company. In that case, not only their own financial products but also products of other financial institutions are often handled. This is because the product lineup is sufficient to meet the needs of subscribers. Even in that case, the financial institution as the operation management institution does not prevent the decision of the operation method based on the individual responsibility of the subscriber, so recommend the investment product to the subscriber with a bias towards individual products. I can't. Therefore, the recruiting activities of subscribers will be carried out in a balanced manner for each product. In some cases, another financial institution or its affiliated company may be the operation and management organization in the first place, and its financial products may be added as part of the product lineup.

The operation management organization may entrust the recruiting activity to a third party, but the fee for those who are simply entrusted with the recruiting activity for pension enrollment is the amount obtained by multiplying the number of subscribers by a predetermined fee. Is usually

[0006]

[Problems to be Solved by the Invention] On the other hand, financial institutions also have the aspect of operating product sales companies, and are also engaged in activities to increase the scale of operations of their financial products and generate more profits. There is. For this reason, there may be situations in which the participation of a defined contribution pension plan is encouraged in connection with the sale of the company's financial products. When such a role is given to an agent of an insurance company (including intermediaries, etc., hereinafter referred to as an agent, etc.), it is necessary to calculate the fee by multiplying the total premium amount of the subscriber by a predetermined rate. It is not appropriate from the standpoint of a managed product sales company. This is because, for one reason, the financial products that subscribers make investment decisions with are not necessarily the products of the financial institution. In addition, it is required to appropriately reward the sales achievements matched by the sales strategy of the managed product sales company.

Therefore, the object of the present invention is to pay a commission paid to an agent or the like that recommends the purchase of a financial product such as an annuity, which is constituted by a customer selecting a combination of a plurality of financial products, such as a defined contribution pension plan. Is to provide a technique for appropriately determining.

[0008]

A second configuration according to the present invention, which can be configured by a customer selecting an arbitrary combination of a plurality of financial products of a first type (for example, deposits, investment trusts, insurance, etc.). Recommendations for purchasing (or enrolling in a defined contribution pension plan) of the following types of financial products (for example, a collection of financial products selected by individual participants as investment products, hereinafter referred to as “selected product group”) The method of determining the fee for a person (for example, an agent) is information regarding the mode of selection of the first type of financial product by the customer and the recommender who has performed the recommended activity of purchasing the second type of financial product for the customer. And the information of the recommender's ability for at least each first type financial product selected by the customer and the customer's selection of each first type financial product. Aspect Set the fees by using information about, and a fee setting storing it into the storage device.

[0009] The ability of the recommender to qualify for selling the first type of financial product selected by the customer (there may be a case where the operating product sales company that carries out this process also considers the handling) and the grade level. Since the fee is determined based on the above, it becomes possible to objectively judge the contribution of the recommender and determine the fee. Whether the fee is determined based on the qualification, or the grade level, or whether the fee is determined based on completely different ability items or ability values for each financial instrument of the first type Can be set.

Further, in the above-mentioned fee setting step, a parameter for fee calculation (for example, a rate) is determined based on the ability of the recommender for each financial product of the first type selected by the customer, and at least the determination is made. The fee may be calculated by using the created parameter and the information regarding the selection mode of each financial instrument of the first type.

Further, in the above-mentioned fee setting step, at least information on the ability of the recommender for each financial product of the first type selected by the customer and the first information by the customer.
The fee may be calculated using the information on the selection mode of each type of financial product and the information on the age or age group of the customer. For example, it is considered that the younger the subscription age is, the larger the profit obtained from the operation becomes, and therefore the fee may be increased.

Further, the information on the selection mode of the first type of financial product includes information on the operating ratio or operating amount of the first type of financial product, and in the above-mentioned fee setting step, at least by the customer. The commission is calculated using information on the ability of the recommender for each selected first type financial product and information on whether the operating ratio or operating amount of each first type financial product exceeds a predetermined standard. It may be configured to calculate. This is to consider the contribution of the recommender when a larger investment ratio or investment amount is set.
On the contrary, in some cases, the fee may be calculated using the information on whether the operating ratio or operating amount of each financial product of the first type is below the second predetermined standard. That is, if a lower operation ratio or operation amount is set, the profit obtained from the operation may be at a lower level.

Further, the above-mentioned fee setting step may include a step of adjusting the fee according to the information regarding the subscription amount of the second type financial product by the customer. For example, this is a case where the fees associated with joining are calculated together.

It is also possible to create a program for causing a computer to execute the information processing method according to the present invention. The program is, for example, a flexible disk, a CD-ROM, a magneto-optical disk, a semiconductor memory,
It is stored in a storage medium such as a hard disk or a storage device. It may also be distributed via a network. The data being processed is temporarily stored in the memory of the computer.

[0015]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described below by taking as an example the case of enrolling in an individual-type defined contribution pension system. FIG. 1 shows a procedure flow and system outline in the present embodiment. As a premise, it is assumed that the agency 500 is entrusted by the investment product sales company 400 to sell the financial products of the investment product sales company 400. At first,
The agency 500 encourages the customer (later subscriber) 100 to join the defined contribution pension system, and in particular, the investment product sales company 4
Explaining 00 financial products and managing product sales company 400
Prompt the selection of financial products (step (1)). At the time of recommending this subscription, hand over a serialized subscription application form, a description of the defined contribution pension plan, a track record of the performance of the investment products, an envelope for sending the subscription application form (completed with the agency code), etc. The application form includes the basic pension number, participant's name, date of birth, gender,
An entry field is provided for entering information such as address, bank account information for deducting stake accounts, and the operation ratio of the selected operation product. Although not related to the customer 100, a product-specific free column for each managed product, an operation management institution subscriber management key entry field, and the like are also provided. The operation-related operation management organization name and the record-related operation management organization name have already been specified.

Customers 10 according to the recommendation of the agent 500 to join
If 0 decides to join the defined contribution pension system, fill out the necessary items in the application form received from the agency 500. At this time, a stake is determined, one or more investment products are selected, and the operation ratio of each selected investment product is entered. Then, the operation-related operation management institution 20 using the enrollment application delivery envelope received from the agency 500 as well.
0 (step (2)). Upon receipt of the application form, the operation-related operation management institution 200 performs a formal check on the omission or incompleteness of the application form, and if there is a problem, inquires of the customer 100 or asks the customer to return it and fill it out. Perform procedures such as. If there is no particular problem, the agency code written on the enrollment application delivery envelope is entered, for example, in the product-specific free column of the enrollment application form (step (3)). In some cases, some information may be entered as a management key for the management and administration organization.

A part of the continuous entry application form is forwarded to the National Pension Fund or the like and used for the application examination. The processing in the National Pension Fund and the like has nothing to do with the present application, so further description will be omitted. Further, a part of the subscription request form is forwarded to the record-related operation management organization 300 (step (4)).
The record-related operation management institution 300 inputs the data of the received subscription request form into the system 310 (step (5)). The data of the entered subscription form is registered in the subscriber DB 312 managed by the system 310. Along with registration, a user ID and password are issued and the subscriber 100 is notified. With this user ID and password, the subscriber 100 uses his or her own terminal 110 to connect to the system 310 via the network 10 (for example, the Internet), browses the operational results, and the like.
It is also possible to give operational instructions. The operation instruction can be performed not only via the network 10 but also by telephone or the like.

At least a part of the data of the subscription request form of the subscriber 100 is transmitted to the operation product sales company 400.
The data of the subscription application to be transmitted is the identification information of the subscriber, the information of the monthly premium, the identification information of the selected operation product, and the information of the corresponding operation ratio (the finance sold by the product sales company 400 of the transmission destination). (It may be only the product information)
And the agency code entered in the product-specific free field. The system 310 uses the above data in the network 1
0 (VPN (Virtual Privat)
(e.g., e network) in some cases) to the server 410 of the operation product sales company 400 (step (6)).

Server 410 of operating product sales company 400
Includes a fee log DB 412 that stores the calculation result of the sales fee, which will be described later, an agent table storage unit 414 that stores an agent table that registers information such as agent qualification and grade level, and information about subscribers. It manages the subscriber DB 416 to be stored. When the server 410 receives the data from the system 310, the server 410 registers it in the subscriber DB 416 and performs the processing necessary for operating the financial product. This processing has nothing to do with the present application, and therefore further description will be omitted. Further, the calculation processing of the sales commission for the agency 500 is performed using the agency table and the related data stored in the agency table storage unit 414, and the calculation result is stored in the fee log DB 412. And server 4
10 retrieves the fee log DB 412 in a predetermined cycle, totals each agency code, calculates the total sales fee within a predetermined period, stores it in a storage device, and generates payment slip information and the like. Using this data, the management product sales company 40
0 is the sales agent 500 at a predetermined timing
(Step (8)).

In addition, computers such as the asset management organization 600 and the reference price providing organization 700 access the system 310 via the network 10. Further, the server 410 of the operation product sales company 400 may access the system 310 and acquire data as necessary.

Next, the calculation processing of the sales commission carried out by the server 410 will be described with reference to FIGS. First, at least a part of the data of the subscription request form is received from the server included in the system 310 of the record-related operation management institution 300 and registered in the subscriber DB 416 (FIG. 2: step S1). The subscriber DB 416 stores information as shown in FIG. 3, for example. The example of FIG. 3 includes a subscriber identification information column 451, an agency code column 452, a monthly premium amount column 453, and a product-specific operation ratio column 454. The subscriber identification information includes basic pension number, name / age, and other information. However, it is also possible to manage with only the basic pension number. Also, in the column of operation ratio by product,
It contains a column for each product, here Product A, Product B,
Product C, product D, product E. ． ． Etc. are included. Mr. Taro Yamada of the basic pension number 1234567890 shown in FIG. 3 has 50% of the monthly premium of 50,000 yen for product A and 2 for product B.
The application was made to allocate 0% and 30% to product D. In some cases, the operating amount by product is stored instead of the operating ratio by product.

Next, it is judged whether or not the data of the subscription form includes the agency code (step S3). If the agency code is not included, the subscriber 100 of the application form
Is a person who has requested to join regardless of the agency 500, and therefore, it is not necessary to calculate the sales commission, and the processing is ended. On the other hand, when the data of the subscription request form includes the agency code, the agency code stored in the agency table storage unit 414 is searched using the agency code included in the data of the subscription request form, and the corresponding The qualification or grade data to be obtained is acquired (step S5). An example of the agency table is shown in FIG. In the example of FIG. 4, a column 461 of agency codes
And a qualification or grade column 462 by item. In this example, if there is a qualification or grade of each product for each agent, the grade is registered. For example, the agency with the agency code A9199905 is qualified to sell the product A, and the agent B is qualified to sell in the C class. The grade is arbitrarily called, and in this example, the third grade from the top is C grade. In addition, the agency with the agency code A9199006 is qualified to sell the product C, and is qualified to sell the product D in Class A. As described above, depending on the product, only the presence or absence of the qualification exists, and there may be the grade of the qualification. In step S5, the record of the corresponding agency is read from the agency table.

Then, it is judged whether or not the qualification is registered for the agent and the product for which the subscriber has applied exists (step S7). In the example of FIG. 3, the subscriber Taro Yamada has applied for product A, product B, and product D, and in the example of FIG. 4, the agent (agent code A9199005) related to the application is for product A. Holds a qualification. Therefore, the product for which the qualification is registered with the agent and the subscriber has applied is the product A. Since the grade exists for the product B, it is not processed here. If the qualification is registered with the agency and the product for which the subscriber has applied does not exist, the process proceeds to step S13. If the qualification is registered for the agent and there is a product for which the subscriber has applied, determine the fee calculation parameter based on the operating ratio of the specified product, the age of the subscriber, etc. Store in storage device (step S
9).

For example, a rate table as shown in FIG. 5 is used. In the example of FIG. 5, a grade column 471 and a product A column 47
2, the column 473 of the product B, the column 474 of the product C, the column 475 of the product D, and the column 476 of the product D are included. If there is no grade and there is only qualification, it is treated as grade A here. For example, since the grade is not set for the product A, a rate of 3% is set for the grade A. Since a grade is set for the product B, a rate of 5% is set for the grade A, a rate of 3% is set for the grade B, and a rate of 2% is set for the grade C. Further, since the grade is not set for the product C, the rate of 2% is set for the grade A. Since the grade is set in the grade D, the rate is 6% for the grade A and 3% for the grade B.
In the case of grade C, a rate of 1% is set. Moreover, since the grade is not set for the product E, the rate is 4 for the grade A.
% Is set.

In the case of this example, since the product A is the object of processing, the basic rate is 3%. Then, when considering the operation ratio, a multiple table as shown in FIG. 6 is used. In the example of FIG. 6, the operation ratio column 481 and the product A
Column 482, item B column 483, and item C column 484
And a column 485 of products D are provided. In this example,
If the operating ratio is low, the profit will be kept low, so 2
In the case of 0%, multiples lower than 1 are set for each product. Also, a multiple of 1 is set with 21% to 79% as a normal setting range. It is assumed that the contribution of the agency 500 is large for 80% or more, and a predetermined multiple is set for each product. Note that, here, the range setting of the operation ratio is the same for all products, but the range setting of the operation ratio may be arbitrarily set for each product. Although the table is constructed based on the operating ratio, the table may be constructed based on the operating amount.

In this example, the standard rate of the product A is 3%, and the operating ratio is 50%, so the multiplying factor is 1, and when the operating ratio is taken into consideration, the parameter is 3%.

When considering the age group or age, for example, an age table as shown in FIG. 7 is referred to. Figure 7
In the example, the age at joining column 487 and the addition rate column 488
And are provided. Here, if you are subscribed by the age of 29, the rate of 0.5% will be added. Also, 35
If you are enrolled by the age of 30, you will be charged an additional rate of 0.3%. In addition, the rate is 0.1 if you join by the age of 39.
% Shall be added. There is no addition after age 40.
Such age grouping is an example, and other methods may be used.

In the above example, the standard rate of the product A is 3%, and the operation rate is 50%, so the multiple is 1. For example, if the subscriber is 29 years old, add 0.5%. Therefore, considering the operation ratio and age, the parameter is 3.5%.

Then, based on the monthly premium of each specified product and the determined parameter, the sales commission of each specified product is calculated and stored in the storage device (step S1).
1). In the above example, the rate of the product A is 3.5% and the monthly premium is 25,000 (= 50000 × 0.5), so the sales commission is 875 yen.

Instead of the processing of steps S9 and S11 described above, it is also possible to preset a predetermined fee amount for each product and uniformly pay the fee amount. is there. In this case, the step of extracting the fee for the specified product is step S
9 and step S11. It is also possible to have a mechanism in which the uniform fee amount is adjusted in accordance with the operating ratio of the product, the age of joining, etc. shown in step S9.

After step S11 or in step S7, when it is determined that the qualification is registered for the agent and the product for which the subscriber has applied does not exist, the grade is registered for the agent. It is determined whether or not there is a product for which the subscriber has made an application (step S1).
3). In the example of FIG. 3, the product B is a product that meets this condition. If the grade is registered for the agency and there is a product for which the subscriber has applied,
Next, the parameter of the sales fee calculation is determined based on the grade of the agent, the operating ratio of the specified product, the subscription age, etc. and stored in the storage device (step S15). On the other hand, when the grade is registered for the agency and the product for which the subscriber has applied does not exist, the process proceeds to step S19. Therefore, even if the grade is not set for the agency (that is, the fee is determined only based on the presence or absence of the qualification), the process automatically proceeds to step S19.

Similar to step S9, a rate table as shown in FIG. 5 is used. In the example of FIG. 3, the product B of the related agent
Since the grade of C is C, the rate of grade C in the column 473 of product B is 2%. As is clear from FIG. 5, the grade A is 3% lower because the rate is 5%. Also,
Reference is made to the multiples table of FIG. The operating ratio of product B is 2
Since it is 0%, the multiple 0.4 is applied in the multiple table of FIG. Moreover, the age table of FIG. 7 is used. 0.5% if the subscriber age is 29 or younger
Is applied. Therefore, 2 × 0.4 + 0.5 = 1.3%
Is determined as a parameter.

Next, the sales fee of each specified product is calculated using the monthly premium of each specified product and the determined parameters, and stored in the storage device (step S1).
7). In the example of FIG. 3, 10000 (= 50000 × 0.
2) × 0.013 = 130 yen is calculated as the sales commission.

Then, step S11 and step S17
The sales fees calculated for each product are totaled and registered in the fee log DB 412 (step S19). In the example of FIG. 3, 875 calculated in step S11
The yen and the 130 yen calculated in step S17 are added to register 1005 yen. FIG. 8 shows an example of data stored in the fee log DB 412. In the example of FIG. 8, a date column 490, an agency code column 491, a subscriber identification code (for example, basic pension number) 492 of a subscriber who is the target of the sales fee, and a fee column 493 are provided. It is provided.

Further, in step S19, it is possible to perform the following processing and adjust the fee according to the purchase amount of the selected product group (sometimes called a defined contribution pension). For example, in the above example, the subscriber, Mr. Taro Yamada, subscribed for a monthly premium of 50,000 yen,
The purchase price of the selected product group is confirmed. This purchase amount is applied to, for example, the table shown in FIG. 9 to adjust the commission calculated above. FIG. 9 includes a column 496 of the amount of monthly premium, a column 497 of the adjustment amount in the case of the amount adjustment, and a column 498 of the adjustment rate in the case of the fixed rate adjustment. In the example of FIG. 9, a range of 10,000 yen or less, a range of 10,000 yen or more and 20,000 yen or less, a range of 20,000 yen or more and 30,000 yen or less, a range of 30,000 yen or more and 50,000 yen or less,
And the adjustment amount for the amount adjustment and the adjustment ratio for the fixed rate adjustment are set for each of the ranges above 50,000 yen. However, range division is arbitrary. In the case of Taro Yamada, +700 yen for monetary adjustment and + 12% for fixed rate adjustment.
Such adjustment will be made.

Such an adjusting method is just an example, and the amount may be adjusted, the calculated fee may be multiplied by a fixed rate for adjustment, or another method may be used. As a result, the fee calculated as an evaluation for each financial product can be adjusted according to the size of the total subscription amount of the financial product selected by the subscriber, and it can be used as an incentive to promote subscription with a larger amount. it can.

Further, instead of adjusting the total amount of participation in the defined contribution pension system by the scale of the total amount of participation, the total amount of participation is adjusted by an amount obtained by multiplying the operating ratio of the products provided by the managed product sales company 400. You can also By doing so, even if the operating amount of each financial product is small, it is possible to reward the achievement of the salesperson (agent, etc.) when selling a large-scale defined contribution pension plan as a whole.

This method is not limited to the case of simply adjusting the fee calculated from the subscription status of individual financial products, but the above table is configured as a fee amount or a fee rate table according to the defined contribution annual amount. As a result, it can be used as a fee setting system based on information about the amount of participation in the defined contribution pension plan.

The method of adjusting the fee is not limited to the exemplified method. For example, if the amount of subscription to the defined contribution pension system does not reach a certain amount, the payment of the fee may be stopped, or the above-mentioned method may be used. Depending on the amount of monthly premium (not limited to monthly premium) and the status of participation in specific financial products in the defined contribution pension system,
Various other benefits can be given.

In this way, since the fees are registered in the fee log DB 412 in correspondence with the agency code and the date, for example, the sales fees generated in the month at the end of the month can be aggregated for each agency code. Also, since the subscriber identification code is registered corresponding to the agency code, it is possible to generate detailed information for the agency about how much sales commission could be obtained for recommended activities for any person. become able to.

In this way, the managed product sales company 40
The sales commission for the agency 500 that has been outsourced from 0 will be an amount according to the qualification of the agency 500 and the grade of the qualification. In addition, the qualification of the agency 500 and the qualification grade are information representing the ability of the agent 500, and a sales commission commensurate with the ability and the sales record is paid.

The embodiment of the present invention has been described above.
The present invention is not limited to this. In particular, the method of determining the parameters in steps S9 and S15 of FIG. 2 is an example, and the present invention is not limited to this. For example, an example in which a standard fee rate is set according to the existence or grade of a sales qualification, a multiple is determined by the operation rate, and an additional fee rate is determined by the subscription age is an example, and it corresponds to such three factors. The method of taking values and the arithmetic expression between them can be set arbitrarily. Further, the parameters may be calculated in consideration of not only the three elements but also other elements. Further, the parameters may be determined by an arbitrary combination of the standard rate and other two factors according to the existence or grade of the sales qualification. The calculation formulas of these may be different depending on the product. Further, in step S11 and step S17, an example of multiplying the monthly premium of each product by the parameter of the product is shown, but the invention is not limited to this, and other calculations may be used. Also, step S11 and step S17
Also in the above, the calculation may be performed in consideration of the elements used in step S9 or step S15 or other elements.

The operation product sales company 400 also has a position as the operation-related operation management organization 200. In some cases, the server 410 may also calculate the sales commission for the operation-related operation management institution 200 for the agency 500. In this case, the monthly premium is simply multiplied by a predetermined rate. Instead of the monthly premium, the annual premium may be used as a standard. This is applicable to all cases where "monthly premium" is mentioned.

Further, according to steps S7 and S13,
Although the parameter is not calculated when there is no qualification or class, the parameter may be set to 0 even when there is no qualification class. .

[0045]

As described above, according to the present invention, an agent recommending the purchase of a financial product such as a pension, which is configured by the customer selecting a combination of a plurality of financial products like a defined contribution pension system. It is possible to appropriately determine the fee to be paid to the store or the like.

[Brief description of drawings]

FIG. 1 is a schematic diagram of a system according to the present invention.

FIG. 2 is a diagram showing a calculation processing flow of a sales fee.

FIG. 3 is a diagram showing an example of data stored in a subscriber DB.

FIG. 4 is a diagram showing an example of an agency table.

FIG. 5 is a diagram showing an example of a rate table.

FIG. 6 is a diagram showing an example of a magnification table.

FIG. 7 is a diagram showing an example of an age table.

FIG. 8 is a diagram showing an example of data stored in a fee log DB.

FIG. 9 is a diagram showing an example of data stored in a fee adjustment table.

[Explanation of symbols]

10 network 100 subscriber 110 terminal 200 operation related operation management organization 300 record related operation management organization 310 system 312 subscriber DB 400 operation product sales company 410 server 412 commission log DB 414 agency table storage 416 subscriber DB 500 agency

Claims (9)

[Claims] 1. A second configuration which a customer can configure by selecting an arbitrary combination of a plurality of financial products of a first type.
Is a method of determining a fee for a recommender who recommends the purchase of a financial product of the above-mentioned type, the information regarding the selection mode of the financial product of the first type by a customer and the financial information of the second kind to the customer. Acquiring information on a recommender who performed a recommended activity for purchase and storing it in a storage device; and information on the capability of the recommender for at least each financial product of the first type selected by the customer, and A fee setting step of setting a fee by using information on a selection mode of each of the first type financial products by the customer and storing the fee in a storage device. 2. The fee determining method according to claim 1, wherein the ability of the recommender is represented by the presence or absence of qualification for selling the first type of financial product. 3. The fee determination method according to claim 1, wherein the ability of the recommender is represented by a grade level for selling the first type of financial product. 4. In the fee setting step, a fee calculation parameter is determined based on the capability of the recommender for each financial product of the first type selected by the customer, and at least the determined parameter is determined. The fee determination method according to any one of claims 1 to 3, wherein the fee is calculated using information on a selection mode of each of the first type financial instruments. 5. In the fee setting step, at least information on the capability of the recommender for each financial product of the first type selected by the customer and information of each financial product of the first type by the customer. The fee determination method according to claim 1, wherein the fee is calculated using information regarding a selection mode and information regarding the age or age group of the customer. 6. The information on the selection mode of the first type of financial product includes information on an operating ratio or an operating amount of the first type of financial product, and in the fee setting step, at least the customer selects Using the information on the capability of the recommender for each of the first type of financial products and the information on whether the operating ratio or the operating amount of each of the first type of financial products exceeds a predetermined standard. The fee determining method according to claim 1, wherein the fee is calculated. 7. The fee determination according to claim 1, wherein the fee setting step includes a step of adjusting the fee according to information regarding a subscription amount of the second type of financial product by the customer. Method. 8. A program for causing a computer to execute the fee determination method according to any one of claims 1 to 7. 9. A second configuration which a customer can configure by selecting an arbitrary combination of a plurality of financial products of the first type.
Is a device for deciding a commission for a recommender who recommends the purchase of a financial product of the above type. A means for acquiring information on a recommender who has carried out a purchase recommendation activity and storing it in a storage device; and information on the recommender's ability for at least each financial product of the first type selected by the customer, and A fee determining device comprising: fee setting means for setting a fee using information regarding a mode of selection of each of the first type financial instruments by the customer and storing the fee in a storage device.