JP2004220601A - Charge discount system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a charge discount system so as to realize such environment, that any persons who get securities information from a specific securities firm continuously transact buying and selling of stocks in the securities firm. <P>SOLUTION: This charge discount system is so formed that a browsing time of a paid site of Web is acquired from an access log DB 305, a discount rate of a transaction service charge is specified according to the browsing time and set valid for a specific period, the discount rate of the browsing fee of the paid site is specified according to the transaction amount and set valid for a specific period, the total amounts of the discount rate of the service charge and the discount rate of the browsing fee which become valid in a specific day are calculated respectively to be used as the discount of the browsing of the paid site and the transaction. <P>COPYRIGHT: (C)2004,JPO&NCIPI

Description

  The present invention relates to a fee discount system capable of promoting browsing of a pay site and transaction at a specific site in a financial product transaction.

In recent years, with the spread of the Internet, various service competitions using the Internet have been developed in the securities industry.
Initially, services for providing securities information were provided via the Internet, but thereafter Internet securities trading (online trading), which also performs actual securities transactions using the Internet, has come to be carried out.

  In addition to the existing general securities companies, securities companies specializing in online transactions that handle only securities transactions via the Internet without having a store etc. have appeared. Especially in 1999, as a part of the Japanese version of Big Bang (deregulation of financial regulation), Brokerage commissions (referred to simply as transaction commissions) have been liberalized, allowing securities companies to freely set transaction commissions.

  This has led to a growing number of internet-only securities firms offering low commissions.

  Since then, some internet-only securities firms have begun to offer low commissions and actively add value to information analysis tools.

  On the other hand, existing securities companies have a large number of manned stores and aim to acquire customers by taking advantage of diverse customer channels and the ability to provide substantial investment advice and investment information.

  Usually, in order to receive detailed investment information etc. from a securities company's site, the investment information providing service that can be obtained without opening an account is limited, so open an account with the securities company and manage the account A fee or the like is paid, an identifier (user ID) for receiving the investment information providing service is issued, and the investment information providing service is used with the issued user ID.

  Depending on each company and each policy, there is also a service that applies a discount on transaction fees to investors who meet certain conditions.

  The types of commission discounts that have been well-known so far include services that provide discount systems for customers with large trading value and assets under custody, and active traders who are frequently traded. A service is provided in which points and mileage are accumulated for each transaction, and for example, a transaction fee for the next month is discounted according to the accumulated value of points (mileage) on a monthly basis.

  As a system for charging the usage amount of the network service, there is Japanese Patent Application Laid-Open No. 6-337729, entitled "Network Service System", published on December 6, 1994. (See Patent Document 1)

JP-A-6-337729 (pages 4-7)

  However, most existing securities companies provide free investment advice and investment information to their customers. Investors who are accustomed to using the Internet can access investment information and investment advice by browsing the website of a general securities company. In many cases, the actual trading of stock is carried out by a low-internet specialty brokerage company after acquiring such information or using information analysis tools to narrow down the transactions.

Under these circumstances, general securities companies that provide investment information as a selling point and invest a large amount of money in them have a large number of accounts, but among all customers, only browsing information at that securities company And do not actually trade (trade) stocks.
For this reason, general securities companies need to know which customers use the most, expand their services, and provide more investment information to customers who need more investment information. There is a problem of wanting to provide

  The present invention has been made in view of the above circumstances, and is a rate discount that can realize an environment in which, when securities information is acquired by a specific securities company, transactions such as stock buying and selling are subsequently performed by the securities company. The purpose is to provide a system.

  The present invention for solving the problems of the conventional example described above is characterized in that, in a charge discount system, a server includes: an access log storage unit that stores an access log to a specific site; a customer information storage unit that stores customer information; A site information storage unit that stores information on a pay site in the site, a pay site browsing time table that stores browsing time of the pay site, a transaction data table that stores data of transaction amount, and a pay site browsing time or And / or a pay site browsing time / transaction amount table storing data summing up transaction amounts, a fee discount rate correspondence table defining a transaction fee discount rate according to the pay site browsing time, Stores the discount rate of the browsing fee that determines the discount rate of the browsing fee of the pay site, stores the discount rate of the specific validity period for each customer, and accumulates the specific day A discount rate calculation table for storing the total discount rate obtained from the access log to the specific site, and a control unit for calculating the discount rate for each customer from the access log to the specific site. The customer ID and paid site browsing time data are read, set in the paid site browsing time table, the customer ID and transaction amount data are read from the access log, set in the transaction data table, and the paid site browsing time table and / or Read the paid site browsing time data totalized for each customer or / and the transaction amount data totalized for each customer from the transaction data table, and set them in the paid site browsing time / transaction amount table. Load the paid site browsing time data and / or transaction amount data from the amount table and compare the commission discount rate Refer to the table or / and the browsing fee discount rate correspondence table and obtain the fee discount rate data corresponding to the paid site browsing time or / and the browsing fee discount rate data corresponding to the transaction amount and obtain the discount rate. Set in the calculation table together with the specific validity period, and in the discount rate calculation table, accumulate the discount rate of commissions and / or the discount rate of browsing fees effective on the specific day, respectively, and discount the total commission and / or total Is calculated in the discount rate calculation table, and the calculated discount rate of the total fee and / or the discount rate of the total viewing fee is associated with the corresponding customer in the customer information storage unit. It is characterized by storing.

  According to the present invention, in the above-mentioned fee discount system, the control unit accumulates the discount rates of the commissions and / or the discount rates of the browsing fees effective on the specific day in the discount rate calculation table, and discounts the total commission rate. And / or calculating the discount rate of the total browsing fee, and when adding the discount rate of the total fee and the discount rate of the total browsing fee, assigns a different weight to each discount rate to obtain the total total discount rate. Is calculated and set in the discount rate calculation table, and the calculated total total discount rate is stored in association with the corresponding customer in the customer information storage unit.

  According to the present invention, in a fee discount system, a customer management unit that extracts a history of access to a network relating to a specific customer, a customer web history storage unit that stores data of the extracted access history, and an access destination of a specific securities company site. Refers to the access destination management table that stores information and the access destination information of a plurality of designated securities company sites, and refers to the access destination management table, and tallies the access time or the number of times of accessing the specific securities company site in the specific period from the access history data Then, from the access history data, the time or number of access to multiple designated securities company sites during the specified period is aggregated, and the ratio of the access time or number of times to the designated securities company site to the access time or number of times to the specified securities company site Is calculated as the browsing ratio, and the data of the calculated browsing ratio is used as statistical data. A provider server having a statistical data calculating unit for outputting, a statistical data transmitting unit for transmitting the statistical data, a statistical data receiving unit for receiving the statistical data transmitted from the statistical data transmitting unit, and storing the received statistical data Statistical data storage unit, customer information storage unit that stores customer information, and obtains and outputs commission discount rate data based on a discount rate correspondence table or discount rate calculation formula for input browsing rate data The statistical data of a specific customer is read from the statistical rate storage unit and the statistical data storage unit, and the browsing ratio data obtained from the statistical data is output to the discount rate calculating unit, and the fee input from the discount rate calculating unit A web supplier server having a customer management unit for storing the discount rate data in association with the corresponding customer in the customer information storage unit.

  According to the present invention, in the fee discount system, the discount rate calculation unit obtains the data of the discount rate of the viewing fee of the pay site based on the discount rate correspondence table or the discount rate calculation formula for the input browsing rate data. The customer management unit in the web supplier server reads the statistical data of a specific customer from the statistical data storage unit, outputs the browsing ratio data obtained from the statistical data to the discount rate calculation unit, and It is characterized in that the data of the discount rate of the browsing fee of the pay site inputted from the rate calculation unit is stored in association with the corresponding customer in the customer information storage unit.

  According to the present invention, the browsing time of a pay site on the web is acquired from the access log, the discount rate of the transaction fee is specified according to the browsing time, set to be valid for a specific period, and the pay site is further set according to the transaction amount. Specify the discount rate for browsing fees and set it to be valid for a specific period, calculate the total of the discount rate for commissions and the discount rate for browsing fees that are valid on a specific day, and browse paid sites for browsing and transactions. Since the fee discount system used for discounting is used, there is an effect that the transaction is promoted due to the long browsing time of the pay site, and the browsing of the pay site is further promoted due to the large transaction amount.

  According to the present invention, the browsing time of the pay site on the web is acquired from the access log, and the discount rate of the browsing fee of the pay site and the discount rate of the transaction fee are specified according to the browsing time and set to be valid for a specific period. In addition, the discount rate of the browsing fee of the paid site and the discount rate of the transaction fee are specified according to the transaction amount and set to be valid for a specific period, and the discount rate of the commission and the discount rate of the browsing fee that are valid on the specific day When adding the total of each, the discount rate is differently weighted for each discount rate and the total discount rate is calculated, and the fee discount system is used for browsing paid sites and discounting in transactions. In addition, the large transaction amount promotes the transaction, and the large transaction amount further promotes the browsing of the pay site, and has an effect that the person who wants to promote can be adjusted by weighting.

  According to the present invention, the transaction fee at a specific securities company is reduced according to the ratio (viewing ratio) between the access time or the number of times to a plurality of securities company sites in a specific period and the access time or the number of times to the specific securities company site. Since the discount rate discount system is used, transaction fees are discounted according to the degree of concentration on a specific securities company estimated from the frequency of site use by customers of the specific securities company. For example, there is an effect that services can be expanded to investors who are concentrated on a specific securities company by classifying investors who are of a plurality of securities companies selection type.

  According to the present invention, since the fee discount system that discounts the browsing fee of the pay site according to the browsing ratio, according to the concentration degree to the specific securities company estimated from the frequency of using the site of the customer of the specific securities company, This will reduce the browsing fee for paid sites, and classify investors concentrated on a specific securities company and other investors who select multiple securities companies, for example, to expand services to investors concentrated on a specific securities company. This is effective in increasing the number of investors who trade on the securities company site following browsing on the specific securities company site.

An embodiment of the present invention will be described with reference to the drawings.
The fee discount system according to the embodiment of the present invention acquires the browsing time of the web paid site from the access log, specifies the discount rate of the transaction fee according to the browsing time, sets it to be valid for a specific period, Specify the discount rate of the browsing fee of the paid site according to the transaction amount, set it to be valid for a specific period, calculate the total of the discount rate of the fee effective on the specific day and the discount rate of the browsing fee, and pay It is used for browsing sites and for discounts in transactions. Transactions are promoted when the paid site browse time is long, and browsing of paid sites is further promoted when the transaction amount is large.

  Further, the fee discount system according to the embodiment of the present invention acquires the browsing time of the pay site on the web from the access log, and calculates the discount rate of the browsing fee of the pay site and the discount rate of the transaction fee according to the browsing time. Specified and set to be valid for a specific period, and further specify the discount rate for browsing fees for paid sites and the discount rate for transaction fees according to the transaction amount and set it to be valid for a specific period. When the total of the discount rate and the discount rate of the browsing fee are added together, each discount rate is weighted differently and the total discount rate is calculated and used for browsing paid sites and discounting in transactions. A large amount of browsing time and transaction amount of the paid site promotes the transaction, and a large amount of transaction further promotes the browsing of the paid site, and the person who wants to promote can be adjusted by weighting. .

  Also, in the transaction fee discount system according to the present invention, the provider server accumulates the access history to the network, and based on the access history, the access time or number of times to a plurality of securities company sites in a specific period and the access to the specific securities company site. Since the ratio with the time or the number of times is obtained, the Web supplier server obtains the discount rate of the transaction fee at the specific securities company according to the ratio obtained by the provider server, and discounts the transaction fee according to the discount rate. Transaction fees will be discounted according to the degree of concentration on a specific securities company estimated from the frequency of use of the site by the securities company's customers, and investors who concentrate on the specific securities company and other investors, for example, select multiple securities companies By classifying homes, it is possible to expand services to investors who are concentrated in a specific securities company.

Further, a method in which the above-mentioned fee discount method and the above-mentioned transaction fee discount method are combined may be considered. In other words, according to the ratio of the access time or the number of times to a plurality of securities company sites in a specific period to the access time or the number of times to a specific securities company site, the transaction fees at the specific securities companies are discounted, and According to the browsing time and the transaction amount, the discount rate of the paid site and / or the commission discount rate of the transaction is cumulatively discounted for a specific period.
Similarly, the charge discount system and the transaction fee discount system may be combined.

A configuration of a fee discount system for realizing a fee discount method according to an embodiment of the present invention will be described with reference to FIG. FIG. 1 is a configuration block diagram of a fee discount system according to an embodiment of the present invention.
As shown in FIG. 1, a fee discount system (this system) according to an embodiment of the present invention is a customer terminal (company terminal) 1a or a customer terminal (home terminal) which is a customer terminal 1 operated by an investor. 1b, a customer terminal (mobile terminal) 1c, and a Web supplier server 3 provided at a financial institution (here, for example, a securities company) for providing a Web site. The supplier server 3 is installed in a state where it can be connected via a network 4 such as the Internet.

The specific configuration of the Web supplier server 3 in the present system will be described with reference to FIG. FIG. 2 is a configuration block diagram of the Web supplier server 3 in the fee discount system according to the embodiment of the present invention.
The Web supplier server 3 includes a transmission / reception unit 301, a control unit 302, a main memory 303, a storage unit 304, an access log database (access log DB or access log storage unit) 305, and a customer database (customer DB or customer And an information storage unit) 306.

Each unit in the Web supplier server 3 will be specifically described.
The transmission / reception unit 301 performs input / output for access from the customer terminal 1, receives an instruction from the customer terminal 1, and transmits display screen data to the customer terminal 1.

The control unit 302 controls the Web supplier server 3, controls input and output of data to and from the access log DB 305 and the customer DB 306, and loads various programs stored in the storage unit 304 into the main memory 303. Then, referring to, creating, and updating the table stored in the storage unit 304, the discount rate of the fee is obtained.
Specific processing executed by the control unit 302 will be described later.

  The main memory 303 is a memory in which a program stored in a program storage area of the storage unit 304 is loaded and developed for execution.

  The storage unit 304 includes a program storage area for storing a paid site determination / aggregation program, a transaction amount aggregation program, a discount rate acquisition program, a data storage area for storing paid site information, a paid site browsing time table, and transaction data. A table, a pay site browsing time / transaction amount table for each user, a discount rate correspondence table (pay site browsing time), a discount rate correspondence table (transaction amount), and a discount rate calculation table for each user are provided.

The processing contents of each program stored in the program storage area will be described later.
The pay site information in the data storage area is the address of a pay site or URL (Uniform Resource Locator) information among a plurality of sites provided by the Web provider server 3.

  Next, each table in the storage unit 304 will be described with reference to FIGS. FIG. 3 is a schematic diagram of a pay site browsing time table, FIG. 4 is a schematic diagram of a transaction data table, FIG. 5 is a schematic diagram of a pay site browsing time / transaction amount table for each user, and FIG. FIG. 7 is a schematic diagram of a discount rate correspondence table (paid site viewing time), FIG. 7 is a schematic diagram of a discount rate correspondence table (transaction amount), and FIG. 8 is a schematic diagram of a user-specific discount rate calculation table. is there.

As shown in FIG. 3, the pay site browsing time table includes a user ID (user identifier), a pay site browsing start time, a pay site browsing end time, and a browsing time based on the access log acquired from the access log DB 305. Stores information. The browsing time is calculated by subtracting the browsing start time (time) from the browsing end time (time).
The process of calculating the browsing time and the process of storing the data in the pay site browsing time table are executed by a pay site determination / aggregation program.

  As shown in FIG. 4, the transaction data table stores information on the user ID, transaction date and time, and transaction amount based on the access log acquired from the access log DB 305.

As shown in FIG. 5, the per-user paid site browsing time / transaction amount table stores information on user ID, paid site browsing time, and transaction amount for each user on a daily basis.
The process of calculating the pay site browsing time for each user on a daily basis refers to a pay site browsing time table and totals the browsing time of a specific user on a specific day.
The process of calculating the transaction amount for each user on a daily basis refers to a transaction data table and totals the transaction amount of a specific user on a specific day.

The calculation process of the leading site browsing time and the process of storing the pay site browsing time data in the pay site browsing time / transaction amount table for each user are executed by the pay site discrimination / aggregation program.
The process of calculating the transaction amount and the process of storing the transaction amount data in the pay site browsing time / transaction amount table for each user are executed by a pay site identification / aggregation program.

As shown in FIG. 6, the discount rate correspondence table (paid site browsing time) is a table that defines a discount rate for the paid site browsing time. In the table, the upper limit of the discount rate can be set to 50%.
The discount rate correspondence table (transaction amount) is a table that defines a discount rate for the transaction amount, as shown in FIG. In the table, the upper limit of the discount rate can be set to 50%.
Further, the discount rate correspondence table (pay site viewing time) and the discount rate correspondence table (transaction amount) are referred to when the discount rate acquisition program is executed.

  As shown in FIG. 8, the user-specific discount rate calculation table is a table set for each user. , The total discount rate obtained by adding the two discount rates, the information on the start date and end date of the validity period are stored, the total of the paid site discount rate within the validity period, the total of the commission discount rate within the validity period, and within the validity period The information of the discount rate of the total total in is stored.

The storage of data in the user-specific discount rate calculation table and necessary calculation processing are executed by a discount rate acquisition program.
The total discount rate is obtained by adding the paid site discount rate and the commission discount rate. The start date is set to the specific day on which the browsing or transaction was made (or the day after the specific day), and the end date is set in advance. A date obtained by adding the obtained expiration date (for example, one month) to the start date is set. The total pay site discount rate is the sum of the pay site discount rates, the total commission discount rate is the total of the commission discount rates, and the total total discount rate is the sum of the total discount rates or the total of the pay site discount rates. This is the sum of the commission discount rates.

  The feature of the user-specific discount rate calculation table is that the discount rate is stored in chronological order according to the start date or the end date, but the record whose expiration date has expired (data in the horizontal row in the table) is deleted and newly viewed or When a transaction is made, a record is added. Therefore, by daily deletion and addition, the total pay site discount rate, the commission discount rate, and the total discount rate are recalculated.

  Also, in the user-specific discount rate calculation table, the pay site discount rate and the commission discount rate are simply summed, but either one of the values is weighted, or both values are weighted with different values, and the total discount rate is calculated. May be calculated. By performing such weighting, if the pay site discount rate increases for the user, browsing of the pay site can be promoted, and if the commission discount rate increases, the transaction can be promoted.

  The access log DB 305 stores, in chronological order, logs of the user accessing the Web site, and specifically stores information such as access time, ID of the accessing user, and access content. The access time includes an access start time and an access end time. The access content includes the content of a transaction for buying and selling stocks and the like, and includes the volume and the value of the transaction.

  The customer DB 306 stores information on users (customers) who receive discounts on charges. The user information includes information such as a user ID, a user name, and an address.

Next, the processing contents of the program stored in the program storage area of the storage unit 304 will be described with reference to FIGS. FIG. 9 is a flowchart of the pay site determination / aggregation processing, FIG. 10 is a flowchart of the transaction amount aggregation processing, and FIG. 11 is a flowchart of the discount rate acquisition processing.
When each program is started by the control unit 302, it is loaded from the program storage area to the main memory, expanded, and executed.

  When the control unit 302 activates the pay site determination / aggregation program, as shown in FIG. 9, the control unit 302 reads the access log from the access log DB 305 and refers to the pay site information in the data storage area to specify a specific target. It is determined whether the site accessed by the user is a pay site (S101).

  If the access is to browse the pay site, the user ID, the browse start time, and the browse end time are obtained from the access log and stored in the pay site browse time table, and the browse operation is started by the processing operation of the program. The browsing time is calculated from the time and the browsing end time, and is set as the browsing time of the table (S102).

Next, the control unit 302 refers to the pay site browsing time table, calculates the total pay site browsing time for each user, and sets the total to the pay site browsing time in the pay site browsing time / transaction amount table for each user ( S103).
In the process S103, the pay site browsing time table is searched using the user ID as a key, and the browsing time of the pay site of the specific user on the specific day is added up.

  When the control unit 302 activates the transaction amount totalizing program, as shown in FIG. 10, the control unit 302 reads the access log from the access log DB 305 and acquires the user ID, transaction date and time, and transaction amount for the target user. To set (register) the transaction data table (S111).

Next, the control unit 302 refers to the transaction data table, calculates the total transaction amount, and sets the total transaction amount in the pay site browsing time / transaction amount table for each user (S112).
In the process S112, the transaction data table is searched using the user ID as a key, and the transaction amount of the specific user on the specific day is added.

Then, when the control unit 302 activates the discount rate acquisition program, as shown in FIG. 11, the control unit 302 determines, based on the pay site browsing time or the transaction amount in the pay site browsing time / transaction amount table by user for a specific user. Next, the pay site discount rate and the commission discount rate are read out with reference to the respective discount rate correspondence tables (S121).
In the process S121, the discount rate is read from the discount rate correspondence table, but the discount rate may be obtained by a calculation formula.

Further, the read discount rate is set in the user-specific discount rate calculation table (S122).
Next, the set date (start date) and end date are set in the user-specific discount rate calculation table (S123). The end date is calculated by adding the expiration date to the start date.

  Then, if there is a record whose end date has passed in the user-specific discount rate calculation table, the control unit 302 performs a process of deleting the record (S124).

Next, the total discount rate (= paid site discount rate + commission discount rate) in the record set in the process S123 is calculated and stored in the table (S125).
Next, the pay site discount rate, the commission discount rate, and the total discount rate are calculated and stored in the table (S126).

Then, the calculated discount rate is set in association with the corresponding customer in the customer DB 306 (S127). The discount rate set in the customer DB 306 is used when the customer actually browses and makes a transaction on the pay site.
In this way, the discount rate acquisition processing is performed.

  According to the above fee discount system, when the browsing time of the pay site increases, the discount rate of the transaction fee is made valid for a specific period, and when the transaction amount increases, the browsing fee of the pay site is correspondingly increased. The higher the discount rate is valid for a specific period, and the superimposed discount rate is adopted on the paid site browsing date or transaction date. This has the effect of increasing the discount rate.

Next, the configuration of the transaction fee discount system according to the embodiment of the present invention will be described with reference to FIG. FIG. 12 is a configuration block diagram of the transaction fee discount system according to the embodiment of the present invention.
As shown in FIG. 12, a transaction fee discount system (this system) according to an embodiment of the present invention includes a customer terminal (company terminal) 1a or a customer terminal (home terminal), which is a customer terminal 1 operated by an investor. ) 1b, a customer terminal (mobile terminal) 1c, a provider server 2 of a provider to which an investor has contracted for network connection, and a Web site located at a financial institution (here, for example, a securities company). , And Web supplier servers 3 'at other sites, and the customer terminal 1, the provider server 2, and the Web supplier servers 3, 3' are connected to the Internet or the like. It is installed in a state where it can be connected via the network 4.

  Although only one provider server 2 is shown in FIG. 12, there are actually a plurality of provider servers 2 provided for each provider, and a Web supplier server 3 'is a securities company. In addition to the above, since it is a Web supplier server that provides various information, there are actually countless Web supplier servers 3 ′.

In addition, in the web supplier server 3 of the securities company, there is an Internet securities trading (online trade) site that performs not only an information display screen for browsing but also an actual securities transaction.
It should be noted that the information browsing site and the Internet securities trading site may be realized by different server devices in the same securities company, but here, the information browsing site and the Internet securities trading site are implemented by one securities company. The description will be made assuming that the site is realized by the same Web supplier server 3.

  Normally, in the system configuration shown in FIG. 12, an investor such as a stock operates a customer terminal 1 to once connect to a provider server 2 via a network 4 and obtains a URL (Uniform Resource Locator) of a site to be viewed. When specified, it is connected to the Web supplier servers 3, 3 'of the specified site, and a browsing screen and various information are provided and displayed on the customer terminal 1.

  With such a mechanism, the provider server 2 can store and manage as a history what URL the managed customer terminal 1 has accessed and browsed.

  Here, for example, it is assumed that the A securities operating the Web supplier server 3a is a securities company operating as a selling point by providing investment information, and the B securities operating the Web supplier server 3b and the Web supplier server 3c. It is assumed that C Securities that manages is a net-only securities company whose selling point is rather a low commission.

For example, an investor (fixed customer in the case of a securities company) who has long been in communication with a specific securities company (for example, A securities) has been providing information and trading via a network 4 such as the Internet. Even in recent years, it has been discovered that access to the website of the securities A that we have been socializing with is only made, and that browsing to other securities companies (eg, securities B and securities C) is rarely performed. Can be predicted.
Generally, general securities companies that conduct business by providing investment information as a selling point have many such highly concentrated investors.

  On the other hand, many of the types of online traders who have increased rapidly in recent years, such as those who conduct online trading easily, have accounts for information collection purposes, for example, for securities A, which have substantial information provision, as described in the issue. Open an account for online trading for low fee B or C securities, or both.

  Then, after receiving investment advice and investment information from the stock information browsing site on the securities website A, narrow down the brands to be traded. When the narrowing is completed and the actual trading is conducted, the securities B or C or both By browsing the site, it can be predicted that a securities company with a low commission at that time will be selected, and that the selected securities company will trade online.

  In such a case, such an investor of a multiple securities company selection type should have browsed not only A securities for browsing stock information but also B securities and C securities sites on the Internet.

To explain with a specific example, as shown in FIG. 13, it is assumed that the Internet connection time per month for any investor is 20 hours, and that the connection time to the securities company site is 10 hours. The breakdown of 10 hours of connection time to this securities company site is that even if there are many A securities (5 hours) for stock information browsing, other browsing time to B securities (3 hours) and C securities (2 hours) sites If this occurs to some extent, it can be assumed that the investor is the above-mentioned multiple securities company selection type investor.
FIG. 13 is an explanatory diagram showing an example of the breakdown of the Internet connection time of a certain investor.

  Conversely, if the investor is a highly concentrated investor who is friendly with a specific securities company (for example, A securities), it can be assumed that the breakdown of 10 hours of connection time to the securities company site is mostly A securities.

  Therefore, the transaction fee discount method of the present invention calculates the ratio of browsing frequency (for example, access time, access frequency) to a specific (own) securities company site in a specific period (for example, on a monthly basis) for a given customer, It is a method of discounting transaction fees at its own securities company according to the degree of the ratio obtained.

  Specifically, when the transaction fee discount method of the present invention is introduced to A securities, the first calculation method of the browsing frequency for a given customer in a specific period (for example, on a monthly basis) is as follows: The ratio is calculated based on the connection time to all the securities company sites or the designated securities company site, and the higher the calculated ratio, the higher the discount rate of the commission. In particular, when this ratio is 100%, if the discount rate is set extremely high, services to highly concentrated customers will be expanded.

  Further, as another calculation method (second calculation method) of the browsing frequency, a ratio is calculated by the number of times of connection to the securities company site / the number of times of connection to all securities company sites or the designated securities company site, and the calculated ratio is calculated. The higher the is, the higher the discount rate of the commission may be.

In the first and second calculation methods, the connection time or the number of times of connection within a specific period may be counted for all 24 hours or may be counted in a limited time zone. .
Specifically, an ordinary investor views information on A securities at night to narrow down trading stocks by carefully examining securities information, etc., at the time of daytime when the stock exchange is open or before and after. Since it is considered that trading is performed, the count may be limited to a time period during which the daytime stock exchange is particularly open or a time period before and after that time.

  In the first and second calculation methods, the browsing frequency is obtained by the connection time (number of times) to the securities A site / the connection time (number of times) to all securities company sites. A method of calculating the connection time (number of times) / the connection time (number of times) to all sites (the entire Internet) may be used (third calculation method).

  According to the third calculation method, it is only necessary to match only the connection to the securities site A with the site URL and count it, and it is not necessary to match and count the site URL with respect to the connection to another securities company site. First, the processing load is smaller than in the second calculation method.

Further, the count of the connection time and the number of times of connection to each securities company site may be considered in terms of gross numbers in units of a plurality of times (for example, 5 hours) or a plurality of times (for example, 12 times).
Further, a discount rate may be obtained according to each of the above-described ratios, or a discount rate may be obtained according to a value obtained by combining a plurality of ratios.

Next, a method of obtaining the connection time (number of times) to a specific securities company site (for example, A securities) and the connection time (number of times) to another securities company site will be described.
With the cooperation of a provider contracted by a customer of a specific securities company (specific site, for example, A securities), a specific securities company (for example, Statistical data such as connection time (number of times) to A securities) / connection time (number of times) to all securities companies, or connection time (number of times) to A securities / connection time (number of times) to all sites (entire Internet) Web service server 3 operated by a specific securities company (for example, A securities) obtains statistical data from the provider server 2 or calculates the ratio in the provider server 2 and calculates the ratio data as the Web supplier The server 3 acquires it.

  If the provider contracted by the customer is a provider operated by a specific securities company (for example, A Securities), and it is possible to provide the history information of the customer connecting to the Internet to the Web supplier, the provider The Web supplier server 3 acquires the history information from the server 2, and the connection time to the securities A (the number of times) / the connection time to all securities companies (the number of times) or the connection time to the securities A on the Web supplier server 3. The ratio may be calculated by calculating (number of times) / connection time (number of times) to all sites (the entire Internet) to obtain statistical data.

Next, a specific configuration of the transaction fee discount system (the present system) of the present invention will be described with reference to FIG. FIG. 14 is a block diagram showing an example of a means configuration of the transaction fee discount system of the present invention.
The transaction fee discount system of the present invention mainly comprises a provider server 2 of a provider to which a customer has contracted, and a Web supplier server 3 for a specific securities company to provide an investment information browsing site and an online trade site. I have.

The provider server 2 includes a customer Web history DB 21, a URL management table 22, a statistical data storage unit 23, a customer management unit 25, a statistical data calculation unit 26, and a statistical data transmission unit 27. The Web supplier server 3 includes a statistical data DB 31, a customer DB 32, a statistical data receiving unit 35, a customer managing unit 36, and a commission discount rate calculating unit 37.
In FIG. 14, the customer management unit 25 and the statistical data calculation unit 26 in the provider server 2 are separate devices, but may be integrated processing devices. Further, the customer management unit 36 and the fee discount rate calculation unit 37 in the Web supplier server 3 may be configured as an integrated device.

Next, each part of the present system will be described.
The customer Web history DB 21 in the provider server 2 is a database that stores the Internet (Web) access history of the user using the provider server 2.
As shown in FIG. 15, the history data that is specifically accumulated is a URL of an access destination, a start time, an end time, and the like in association with a user identifier (user ID). FIG. 15 is a schematic diagram illustrating an example of history data in the customer Web history DB.

  Since the access histories of all users are enormous, a user ID for which the commission discount rate is calculated from a specific securities company, that is, a user ID of a customer of the securities company is acquired in advance, and the user ID related to the user ID is acquired. Only the history may be stored in the customer Web history DB 21.

The URL management table 22 is a table (access destination management table) that stores in advance a URL from which a history is to be extracted in order to perform statistical processing.
Specifically, as shown in FIG. 16, a site URL of a specific securities company (for example, A securities) requesting statistical data calculation and a site URL of another securities company are stored. FIG. 16 is a schematic diagram illustrating an example of the URL management table.

The statistical data storage unit 23 is a storage unit that stores statistical data counted or calculated based on the access history.
As an example of the statistical data, as shown in FIG. 17, the connection time and the number of times of a specific securities company site (specific site), the connection times and the number of times with other securities company sites (designated sites), and the total Internet The connection time, the number of times, and the browsing ratio calculated based on it. FIG. 17 is an explanatory diagram showing an example of statistical data stored in the statistical data storage unit 23 of the provider server 2 of the present invention.

Here, as an example of the browsing ratio, Case 1 is a specific site connection time / (specific site connection time + designated site connection time), and Case 2 is a specific site connection count / (specific site connection count + designated site). The number of times of connection to the specific site / internet connection time as Case 3 and the number of times of specific site connection / Internet connection time as Case 4.
In addition, information on the ratio of case 1 × case 2, case 3 × case 4, and case 1 × case 3 may be stored, and the average of case 1 and case 2 and the average of case 3 and case 4 may be stored. , A ratio such as an average of case 1 and case 3 may be obtained and stored. Further, the average ratio of cases 1 to 4 may be obtained and stored.

  Note that it is not necessary to store all of the data shown in FIG. 17 in the statistical data storage unit 23, and only the browsing ratio requested from the Web supplier server 3 may be used, or the requested browsing ratio may be calculated. Only the connection time (number of times) necessary for the connection may be sufficient.

  The customer management unit 25 manages a user who accesses the Internet (Web) via the provider server 2. In this case, in particular, in this case, an access history is created for each user's Internet (Web) access, and the customer Web history is created each time. This is stored in the DB 21.

  In the actual operation, the histories of all users may be stored. However, in order to realize the function of the present case, a user ID for which a commission discount rate is calculated from a specific securities company in advance, that is, The user ID of the customer of the securities company may be acquired, and only the access history related to the user ID may be stored in the customer Web history DB 21.

Here, a specific configuration of the customer management unit 25 will be described with reference to FIG. FIG. 18 is a configuration block diagram of the customer management unit.
The customer management unit 25 basically includes a transmission / reception unit 251, a control unit 252, a main memory 253, a storage unit 254, and a history data output unit 255.

The internal configuration of the customer management unit 25 will be described.
The transmission / reception unit 251 transmits / receives data corresponding to access from the customer terminal. The data includes an access start request and an access end request, and the access start request and the access end request include a user ID, an access target URL, a start time or an end time.

  The control unit 252 performs overall control in the customer management unit 25. For example, a program stored in a program storage area of the storage unit 254 is loaded into the main memory 253 and executed to acquire history data. Output to the history data output unit 255.

The main memory 253 is a memory in which a program stored in the program storage area is loaded, expanded, and executed.
The storage unit 254 includes a program storage area for storing a history data acquisition program and a data storage area for storing target user ID information. The target user ID information is information of a user ID of a user who can receive a discount of a fee (for example, information indicating a list of IDs of target users), and indicates whether or not the target user needs to acquire history data. Used to judge.

  The history data output unit 255 inputs the acquired history data from the control unit 252 and outputs the acquired history data to the customer Web history DB 21.

Next, the processing contents of the history data acquisition program stored in the program storage area will be described with reference to FIG. FIG. 19 is a schematic diagram illustrating a processing flow of the customer management unit.
When the control unit 252 loads the history data acquisition program from the program storage area into the main memory 253, expands the program, and starts the program, the control unit 252 determines whether or not an access start request has been received as shown in FIG. 19 ( S11). If it is determined that the access start request has not been received (No), the determination process is repeated.

If the control unit 252 determines that the access start request has been received (Yes), it is determined whether the user ID of the request is the ID of the target user by referring to the target user ID information in the data storage area. (S12).
If the ID is not the ID of the target user (in the case of No), the process ends. If it is the ID of the target user (in the case of Yes), the control unit 252 acquires the user ID, the access destination URL, and the start time and outputs them to the customer Web history DB 21 (S13). The customer Web history DB 21 stores the input data.
The customer management unit has an internal clock. When the control unit 252 receives the access start request, the control unit 252 acquires the reception date and time from the internal clock.

  Further, the control unit 252 determines whether an access end request has been received (S14). If it is determined that the access end request has not been received (No), the process S14 is repeated. When it is determined that the access end request has been received (in the case of Yes), it is determined whether or not the user ID of the request is the ID of the target user (S15).

If it is not the ID of the target user in the determination processing S15 (in the case of No), the processing ends. If it is the ID of the target user (in the case of Yes), an output is made to store the acquired end time in the corresponding user ID of the customer Web history DB 21 (S16).
As for the end time, the control unit 252 acquires the date and time when the access end request is received from the internal clock.
The above is the flow of processing in the control unit 252 of the customer management unit 25.

  The statistical data calculating unit 26 calculates statistical data such as the connection time, the number of times, and the browsing ratio based on the access history stored in the customer Web history DB 21.

  Specifically, the statistical data calculation unit 26 is started in a specific period unit, reads out the access history stored in the customer Web history DB 21, and specifies the user ID for each user ID while referring to the URL set in the URL management table 22. During the period (for example, on a monthly basis), the connection time and the number of times of calculation of the fee discount are counted, and various browsing ratios are calculated from the count result, and stored in the statistical data storage unit 23. (See Fig. 17)

  Note that the statistical data calculation unit 26 does not need to calculate all of the data shown in FIG. 17, but obtains only the connection time (number of times) necessary to obtain the browsing ratio requested from the Web supplier server 3 and performs browsing. The ratio may be obtained.

  For example, if the calculated browsing ratio is the ratio of the connection time (number of times) to a specific securities company (for example, A securities) site / the connection time (number of times) to all securities companies, the history information is sent to the securities A site. The connection time (number of times) and the connection time (number of times) to another securities company are calculated, and the ratio of A securities connection time (number of times) / connection time of all securities companies (number of times) is calculated (cases 1 and 2).

  When the calculated viewing ratio is the ratio of the connection time (number of times) to the specific securities company (for example, A securities) site / the connection time (number of times) to all the sites (the entire Internet), A Calculate the connection time (number of times) to the securities site and the connection time (number of times) to the rest, and calculate the ratio of A securities connection time (number of times) / all sites (entire Internet) connection time (number of times) (Case 3) , 4).

  In the above calculation, when the time zone is limited, only the history information of the target time zone is extracted from the history information, the respective connection times (number of times) are obtained, and the ratio is calculated.

Here, a specific configuration of the statistical data calculation unit 26 will be described with reference to FIG. FIG. 20 is a configuration block diagram of the statistical data calculation unit.
The statistical data calculation unit 26 basically includes an input / output unit 261, a control unit 262, a main memory 263, and a storage unit 264, as shown in FIG.

The internal configuration of the statistical data calculation unit 26 will be described.
The input / output unit 261 inputs access history data from the customer Web history DB 21, outputs statistical data to the statistical data storage unit 23, accesses the URL management table 22, and refers to the URL.

  The control unit 262 controls the whole of the statistical data calculation unit 26. For example, the control unit 262 loads the program stored in the program storage area of the storage unit 264 into the main memory 263 and causes the main memory 263 to execute the program, obtains the connection time, the number of times of connection, and the browsing ratio. Output.

The main memory 263 is a memory in which a program stored in the program storage area is loaded, expanded, and executed.
The storage unit 264 includes a program storage area for storing a startup program, a connection time acquisition program, a connection count acquisition program, a viewing ratio calculation program, and a data storage area for storing statistical data.

Next, the processing content of each program stored in the program storage area will be described with reference to FIG. FIG. 21 is a schematic diagram illustrating a processing flow of the statistical data calculation unit.
When the control unit 262 loads each program from the program storage area into the main memory 263 and develops and starts the program, as shown in FIG. 21, the control unit 262 reads the access history data from the customer Web history DB 21 according to the start program (S21). ).

Next, the control unit 262 refers to the URL management table 22 (S22), and the connection time acquisition program is executed, and the control unit 262 totals (counts) the connection time within the specific period for each user ID (S23). .
Subsequently, the connection number acquisition program is executed, and the control unit 262 totals (counts) the number of connections within a specific period for each user ID (S24).

  Specifically, the control unit 262 determines whether the accessed URL is a specific site, a designated site, or another site shown in FIG. 17 based on the access history data read in step S21. 22, the connection time or the number of times of connection is totaled for each user, and stored in the data storage area of the storage unit 264 as statistical data.

Next, the browsing ratio calculation program is executed, and the control unit 262 calculates the browsing ratio as shown in Cases 1 to 4 in FIG. 17 based on the connection time and the number of times of connection counted for each user ID (S25). . The calculated browsing ratio is stored in the data storage area in association with the corresponding user ID as statistical data, and the control unit 262 reads the statistical data from the data storage area and outputs the statistical data to the input / output unit 261. 261 outputs the statistical data to the statistical data storage unit 23 and stores it.
In this way, the processing in the statistical data calculation unit is performed.

The statistical data transmission unit 27 transmits the statistical data stored in the statistical data storage unit 23 to the Web supplier server 3 via the network 4.
Note that, in practice, all the statistical data shown in FIG. 17 may be transmitted, but only the information of the specific browsing ratio requested from the Web supplier server 3 may be transmitted.
Further, statistical data relating to all user IDs requested from the Web supplier server 3 may be transmitted, or statistical data relating to some user IDs may be transmitted.
As a criterion for narrowing down to a part, the connection time (number of times) of the Web supplier server 3 to the site (specific site), or a user ID whose browsing ratio is a fixed value or more, or a site (specific site) For example, the connection time (number of times) to the user or the user ID of a specific number of persons having a higher browsing ratio may be considered, but the present invention is not limited to this point.

The statistical data DB 31 of the Web supplier server 3 is a database that stores the statistical data transmitted from the provider server 2.
Note that the statistical data DB 31 may actually store all statistical data for a specific time (for example, on a monthly basis) for each customer user ID obtained by the provider server 2 shown in FIG. A part may be stored.

  The customer DB 32 is a database that stores various kinds of information on customers of a specific securities company that is a Web supplier. In the present case, in particular, a discount of a transaction fee calculated based on a browsing ratio for each customer identifier (customer ID). The rates are stored in association with customer identifiers (customer IDs).

  The statistical data receiving unit 35 receives the statistical data transmitted from the provider server 2 and stores the statistical data in the statistical data DB 31.

  The customer management unit 36 manages various kinds of information on the customer and receives investment information browsing and online trade requests from the customer. In this case, in particular, in this case, based on the statistical data stored in the statistical data DB 31 for each specific period. Thus, the discount rate of the transaction fee is acquired and the discount rate of the transaction fee stored in the customer DB 32 is updated.

  Basically, the customer management unit 36 acquires the discount rate of the transaction fee for all customers and updates the discount rate of the transaction fee on the customer DB 32. If the number of customers who trade online is small, when a request for online trade is received, a discount rate for transaction fees is acquired based on information on the browsing ratio of the customer, and the requested commission for online trade is obtained. May be reflected.

  When acquiring a discount rate at the time of accepting an online trade, an update flag relating to the discount rate of the transaction fee is provided for all customer IDs on the customer DB 32, and when new statistical data is acquired from the provider server 2, all customer IDs are acquired. If the update flag is turned off and the discount rate is acquired at the time of receiving an online trade from any customer ID and updated on the customer DB 32, the update flag is turned on and the stored discount is received at the time of receiving the online trade thereafter. Use the rates to discount commissions.

Here, a specific configuration of the customer management unit 36 will be described with reference to FIG. FIG. 22 is a configuration block diagram of the customer management unit.
As shown in FIG. 22, the customer management unit 36 basically includes an input / output unit 361, a control unit 362, a main memory 363, and a storage unit 364.

The internal configuration of the customer management unit 36 will be described.
The input / output unit 361 inputs statistical data from the statistical data DB 31, outputs browsing ratio data to the fee discount rate calculating unit 37, inputs discount rate data from the fee discount rate calculating unit 37, and refers to the customer DB 32. Input and output to the.

  The control unit 362 controls the entire inside of the customer management unit 36. For example, the control unit 362 loads a program stored in the program storage area of the storage unit 364 into the main memory 363 and causes the main memory 363 to execute the program, obtain statistical data, obtain a commission discount rate, and update the commission discount rate. Perform processing.

The main memory 363 is a memory in which a program stored in the program storage area is loaded, expanded, and executed.
The storage unit 364 includes a program storage area for storing a statistical data acquisition program, a commission discount rate acquisition program, and a commission discount rate update program, and a data storage area.

Next, the processing content of each program stored in the program storage area will be described with reference to FIG. FIG. 23 is a schematic diagram illustrating a processing flow of the customer management unit.
When the control unit 362 loads each program from the program storage area to the main memory 363 and develops and starts the program, as shown in FIG. 23, the control unit 362 uses the statistical data acquisition program to read the statistical data of the specific customer from the statistical data DB 31. It is read (S31).

When the fee discount rate acquisition program is executed, the control unit 362 reads the browsing ratio from the read statistical data and outputs it to the fee discount rate calculation unit 37 (S32).
Next, when the fee discount rate updating program is executed, the control unit 362 inputs the fee discount rate data from the fee discount rate calculating unit 37 (S33), and the commission discount rate of the customer DB 32 based on the input fee discount rate data. The data is updated (S34).
In this way, the processing in the customer management unit 36 is performed.

  The commission discount rate calculation unit 37 calculates the transaction fee according to the browsing ratio, and sets a calculation formula or a correspondence table in advance as to how the transaction fee should be set for what browsing ratio. The commission is calculated using the set formula or correspondence table.

Here, a specific configuration of the fee discount rate calculation unit 37 will be described with reference to FIG. FIG. 24 is a configuration block diagram of the commission discount rate calculation unit.
As shown in FIG. 24, the fee discount rate calculation unit 37 basically includes an input / output unit 371, a control unit 372, a main memory 373, and a storage unit 374.

The internal configuration of the commission discount rate calculator 37 will be described.
The input / output unit 371 receives the browsing ratio data from the customer management unit 36 and outputs discount rate data to the customer management unit 36.

  The control unit 372 controls the whole of the commission discount rate calculation unit 37. For example, the control unit 372 performs a process of loading the program stored in the program storage area of the storage unit 374 into the main memory 373 and causing the main memory 373 to execute the program, thereby acquiring fee discount rate data.

The main memory 373 is a memory in which a program stored in the program storage area is loaded, expanded, and executed.
The storage unit 374 includes a program storage area for storing a fee discount rate acquisition program, a data storage area, and a discount rate correspondence table.

Here, the discount rate correspondence table will be described with reference to FIG. FIG. 25 is a schematic diagram of the discount rate correspondence table.
In the discount rate correspondence table, as shown in FIG. 25, a discount rate of a commission is preset for a step-by-step browsing rate. Note that the discount rate is set to 50% as the upper limit.

Next, processing contents of the fee discount rate acquisition program stored in the program storage area will be described.
When the control unit 372 loads the fee discount rate acquisition program from the program storage area into the main memory 373 and develops and starts the program, the control unit 372 browses from the customer management unit 36 by the fee discount rate acquisition program as shown in FIG. The ratio data is input and stored in the data storage area.

Then, the control unit 372 acquires a discount rate corresponding to the browsing rate with reference to the discount rate correspondence table, and stores the discount rate data in the data storage area as discount rate data. Next, control unit 372 outputs the stored discount rate data to input / output unit 371. The input / output unit 371 outputs the discount rate data to the customer management unit 36.
In the above processing, the discount rate is read from the discount rate correspondence table, but the discount rate may be obtained by a calculation formula.
For example, an equation such as discount rate (%) = 100− (0.5 × viewing ratio (%)) may be used.
In this manner, the processing in the fee discount rate calculation unit 37 is performed.

  The operation of the transaction fee discount system of the present invention will be described with reference to FIGS. FIG. 26 is a flowchart showing the operation flow on the provider server 2 side in the transaction fee discount system of the present invention, and FIG. 27 shows the operation flow on the Web supplier server 3 side in the transaction fee discount system of the present invention. It is a flowchart figure shown.

  In the provider server 2 of the transaction fee discount system according to the present invention, as shown in FIG. 26, the web page of the user ID (customer) requested from the web supplier server 3 by the operation of the customer management unit 25 at any time during the operation as shown in FIG. The access history information is acquired and stored and recorded in the customer Web history DB 21 (100).

  Then, the history information of the customer Web history DB 21 is read by the operation of the statistical data calculation unit 26 for each specific period (for example, on a monthly basis), and the statistical data is created while referring to the URL management table 22 to store the statistical data. It is stored in the section 23 (110).

  Then, the required data is read from the statistical data storage unit 23 by the operation of the statistical data transmission unit 27 and transmitted to the Web supplier server 3 (120).

  On the other hand, in the Web supplier server 3, as shown in FIG. 27, the statistical data from the provider server 2 is received by the operation of the statistical data receiving unit 35 (200), and the statistical data DB 31 is received by the operation of the customer management unit 36. The information of the browsing ratio is read, the fee discount rate is calculated using the fee discount rate calculating unit 37 (210), and the fee discount rate of the customer DB 32 is updated (220).

  Although not shown in the flowchart of FIG. 27, the customer management unit 36 requests the discount rate of the transaction fee stored in the customer DB 32 when the online trade request is received. To reflect.

  According to the transaction fee discount system of the present invention, with the cooperation of a provider contracted by a customer of a specific securities company (specific site), the specific site in the Internet access of the customer on the provider server 2 operated by the provider is provided. Since the browsing ratio is obtained and transmitted to the Web supplier server 3, the Web supplier server 3 obtains the discount rate of the fee corresponding to the received browsing ratio, and discounts the online trading fee at the obtained discount rate. For customers who are presumed to be investors with a high browsing ratio to a company (specific site) and a high degree of concentration, other customers, for example, clients of a multiple securities company selection type (for example, investors of the above-described type) are classified. There is an effect that services can be expanded by increasing the discount rate of fees.

  In the configuration of FIG. 14, the commission discount rate calculation unit 37 on the Web supplier server 3 is made independent, and therefore, in the future, the browsing ratio not described above, and other information such as a specific securities company concentration type The effect that the calculation can be flexibly performed by changing the discount rate of the fee in association with information that can classify the investor and the investor of the plural securities company selection type (for example, the investor of the above-mentioned type). There is.

  In the above description of the present invention, it is assumed that the cooperation of a provider contracted by a customer of a specific securities company (specific site) is obtained, and that the statistical data can be transmitted from the provider server 2 to the Web supplier server 3. However, when it is difficult for the Web supplier server 3 to obtain the statistical data or the history information directly from the provider server 2 in security, for example, the customer himself / herself may obtain the statistical data or the history information from the contracted provider. After obtaining the information, the customer submits statistical data or historical information to the specified securities company (specific site), and thereby makes an application for commission discount, and the specified securities company (specific site) Data or history information may be written in the statistical data DB 31 to calculate the commission discount rate.

  Also, if the provider contracted by the customer is a provider operated by a specific securities company (for example, A Securities) and the environment is such that the history information of the customer connecting to the Internet can be provided to the Web supplier side. For example, in FIG. 14, the URL management table 22 and the statistical data calculating unit 26 on the provider server 2 are provided on the Web supplier server 3, and the provider server 2 only collects access history information, and the statistical data transmitting unit 27 Transmits the access history information itself to the Web supplier server 3.

  Then, on the Web supplier server 3, the statistical data receiving unit 35 receives and stores the access history information, and the statistical data calculating unit 26 performs statistical processing using the URL management table 22, and stores the statistical data in the statistical data DB 31. May be stored.

  In the transaction fee discount system according to the present invention, if the access history information itself can be obtained from the provider server 2 by the Web supplier server 3 of the specific securities company (specific site), from the history information obtained by the Web supplier server 3, Determining various types of information that can classify investors who are highly concentrated in a specific securities company (specific site) and other investors who can select multiple securities companies, for example, and set a commission discount rate based on the obtained information There is an effect that can be done.

  The transaction fee discount system of the present invention described above classifies investors who are highly concentrated in a specific securities company (specific site) from other Internet browsing ratios, and other investors, for example, those who select multiple securities companies, Although this service was intended for customers who applied discounts on transaction fees to investors with a high degree of concentration, the following services for customers other than discounts on transaction fees are also conceivable.

  The first of our services for our customers is to set a level for the amount of securities information that can be provided by browsing the Internet or securities information that is provided in printed materials, etc., so that investors concentrated on specific securities companies can Provides a lot of information.

  The second type of services for customers is to provide additional services such as analysis tools and consulting tool functions that can be provided by browsing the Internet, and to provide quality services to investors who are concentrated on specific securities companies. To provide high functionality.

  In addition, the third service for customers is to pay high-value-added special information, which is high-cost information provided by browsing the Internet or providing printed materials, etc. It is conceivable that the fee for the information is discounted or free.

  The transaction fee discount system according to the present invention described above is based on the Internet browsing ratio based on the cooperation of the provider, and the investor who has a high concentration on a specific securities company (specific site) and another investor who selects a plurality of securities companies, for example. And provide services for various customers, such as discounting of transaction fees, to investors concentrated in a specific securities company, but the method of classification when cooperation of the provider is not obtained Will be described.

  As a first method of classification, the access history of each customer is collected on the Web supplier server 3 of a specific securities company (specific site), and the access time (number of times) to an arbitrary customer's information browsing screen (URL) is ) And access time (number of times) to the transaction screen (online trade) screen (URL).

  This is because, for example, in the case of a specific securities company concentration type investor, it is thought that there is some access time (number of times) to the transaction (online trade) screen (URL), but a plurality of securities company selection type As an investor, the access time (number of times) to the information browsing screen (URL) is very long (many), and in other words, the access time to the trading (online trade) screen (URL) of the securities company that browsed the information. (Number) will be equal to nothing.

  Alternatively, a method of classifying according to the ratio of the access time (number of times) of an arbitrary customer to the information browsing screen (URL) and the actual number of transactions may be adopted.

  In addition, as another method of classification, the level of the investor, the number of actual transactions or the amount of money, the number of accounts held (the number of trading securities companies), investment funds, credit transactions The degree of concentration on the specific securities company can be determined based on the results of the response and the results of the number of transactions and assets under custody at the specific securities company, and can be used as a material for classification.

  Here, for example, the level of the investor may be a day trader whose number of transactions is 20 or more per month, a day trader whose number of transactions is 10 or more per month, or 1 Choose whether you are a beginner of the round, or ask questions at different levels such as advanced, intermediate, and elementary.

Accordingly, for example, if the number of transactions at a specific securities company is small even though he is a day trader, he or she is trading at another company, and thus the degree of concentration is determined to be low.
Also, if the number of transactions at a specific securities company is small relative to the number of actual transactions, it means that the transaction is at another company, so it is determined that the degree of concentration is low.
In addition, when there are a plurality of accounts held, it means that the concentration is low because other securities companies also have accounts.
In addition, in response to the investment fund, if the assets under custody at the specific securities company are small, it means that the assets have been entrusted to another company, so that the degree of concentration is determined to be low.

  As another method of classifying, the tendency of transactions in a specific period can be determined from the period from the opening of an account at a specific securities company and the number of transactions during that period, thereby determining the degree of concentration on a specific securities company. it can.

In addition, although it has already been used as a criterion for commission discounts, it issues points according to the number of past transactions and the amount of past transactions, and depending on the accumulated number of points, discounts on transaction fees to investors The service for the customer may be performed.
In addition, services for various customers, such as discounts on transaction fees, may be provided to investors according to the amount of assets held at a specific securities company (specific site).

Next, a description will be given of another method for realizing an environment in which a specific securities company acquires securities information and subsequently performs transactions such as stock trading at the securities company.
As another method of realizing an environment in which trading such as stock trading is performed at the securities company in question, a button is provided on the securities information browsing screen of a specific securities company so that there is a benefit if you trade immediately. When narrowing down a brand or the like to be focused on, a service such as discounting a commission when performing a transaction from the button or adding a service such as point-up or presenting a small gift is added.

In addition, browsing at a securities information browsing site of a specific securities company and discounting of commissions if the transaction is on the same day, or adding the various services described above may be used.
In addition, on the securities information browsing screen of a specific securities company, an advertisement for a limited time or a time-limited advertisement such as "If you trade within xx minutes from now on, there is a privilege" is displayed on the browsing screen, and during the limited period / limited time There is also a method of discounting the commission when going to trade, inviting the browsing investor to feel cheaper, "Now cheap!""Nowprofitable!", And directly promote online trading at the specific securities company site Conceivable.

  Furthermore, after completing the transaction from the trading screen of the specific securities company, a random number such as roulette is issued, and the transaction fee is discounted or cashback is performed according to the value, and the transaction is made to the investors. There is also a method of providing a playful feeling and promoting online trading at the specific securities company site.

  According to the transaction fee discount system of the present invention, for a given customer, a ratio of browsing frequency (for example, time, number of times) to a specific securities company in a specific period (for example, on a monthly basis) is obtained, and the ratio of the obtained ratio is determined. Accordingly, since the transaction fee at the relevant securities company is discounted or the discount rate is changed, browsing and trading are concentrated on a specific securities company without browsing or trading with other securities companies. Investors who concentrate on a specific securities company should increase the number of investors who trade on the specific securities company site following browsing on the specific securities company site because the transaction fees at the securities company are discounted and the services are expanded. There is an effect that can be.

  According to the transaction fee discount system of the present invention, with the cooperation of a provider contracted by a customer of a specific securities company (specific site), the specific site in the Internet access of the customer on the provider server 2 operated by the provider is provided. The statistical data such as the browsing ratio is obtained and transmitted to the Web supplier server 3, and the Web supplier server 3 obtains the discount rate of the fee corresponding to the received browsing ratio, and discounts the online trading fee by the obtained discount rate. Therefore, for a particular securities company concentrated investor who has a high browsing ratio to a particular securities company (specific site), another investor, for example, a multiple securities company selection type investor is classified to increase the commission discount rate. Service to increase the number of investors who trade on a particular brokerage site following a browsing on that particular brokerage site. There is an effect.

  Also, according to the transaction fee discount system of the present invention, a specific securities company (specific site) with a high browsing ratio to a specific securities company concentrated investor can be compared with another investor of a plurality of securities companies selection type, for example. In addition to discounts on commissions, various types of specialty services include increasing the amount of information provided, improving the functions of additional services, and discounting and freeing high-value-added paid special information. As a result, the service is expanded, so that there is an effect that the number of investors who trade on the securities company site following the browsing on the specific securities company site can be increased.

  Further, according to the transaction fee discount system of the present invention, in addition to the cooperation of the provider contracted by the customer of the specific securities company (specific site), the access of each customer collected on the Web supplier server 3 of the site is also possible. From the history, according to the access ratio between the information browsing screen and the transaction screen, or the ratio between the information browsing screen access and the actual number of transactions, the investor concentrated on a specific securities company and another investment such as a multiple securities company selection type By classifying homes and discounting commissions and offering various customer services, services will be expanded, so after browsing on a specific securities company site, increase the number of investors who trade on that securities company site There are effects that can be.

  In addition, according to the transaction fee discount system of the present invention, the level of the investor, the number of transactions, the number of accounts held, the operating funds, etc. are investigated by questionnaire surveys of investors, etc., and the response results are specified. From the number of transactions and assets under custody in securities companies, to determine the degree of concentration to the specific securities company, as a material to classify the specific securities company concentration type investors and other, for example, multiple securities company selection type investors, Since services are expanded by discounting commissions and providing various kinds of customer services, there is an effect that, after browsing on a specific securities company site, the number of investors who trade on the securities company site can be increased.

  Further, according to the transaction fee discount system of the present invention, a transaction tendency in a specific period is determined based on a period from the opening of an account at a specific securities company and the number of transactions during the period, and a specific securities company concentrated investor and another For example, as a material for classifying investors with multiple securities company selections, services will be expanded by discounting commissions and providing various kinds of customer services. This has the effect of increasing the number of investors who trade on the company site.

  Further, according to the transaction fee discount system of the present invention, points are issued in accordance with the number of past transactions and the amount of the transaction, and the specific securities company concentrated type is issued in accordance with the accumulated number of points or the amount of assets under custody. As a material for classifying investors and other, for example, investors who can select multiple securities companies, services will be expanded through discounts on fees and various customer services, etc. Subsequently, there is an effect that the number of investors who trade at the securities company site can be increased.

  In addition, according to the transaction fee discount system of the present invention, when a transaction is performed from a special button provided on the securities information browsing screen of a specific securities company, or when the browsing and the transaction are performed on the same day, the fee is reduced. In addition, since the services are expanded by providing various kinds of customer services, it is possible to increase the number of investors who trade on the securities company site following browsing on the specific securities company site.

  In addition, services that are available for a limited time or for a limited time are displayed on the browsing screen, and services are provided during that period. And prompting online trading at the specific securities company site as it is, so that it is possible to increase the number of investors who trade at the securities company site following browsing at the specific securities company site.

  In addition, after completing the transaction from the trading screen of a specific securities company, a random number such as roulette is issued, and the transaction fee is discounted or cashback is performed according to the value, and the transaction is made to the investor. By providing a playfulness and promoting online trading at the specific securities company site, there is an effect that it is possible to increase the number of investors who trade at the securities company site following browsing at the specific securities company site.

  INDUSTRIAL APPLICABILITY The fee discount method and the fee discount system according to the present invention are suitable for promoting browsing of pay sites related to financial products and promoting transactions.

1 is a configuration block diagram of a fee discount system according to an embodiment of the present invention. FIG. 2 is a configuration block diagram of a Web supplier server 3 in the fee discount system according to the embodiment of the present invention. It is a schematic diagram of a pay site browsing time table. It is a schematic diagram of a transaction data table. It is a schematic diagram of a pay site browsing time / transaction amount table by user. It is a schematic diagram of a discount rate correspondence table (pay site browsing time). It is a schematic diagram of a discount rate correspondence table (transaction amount). It is a schematic diagram of a user-specific discount rate calculation table. It is a flowchart of a pay site determination and totaling process. It is a flow figure of transaction amount totalization processing. It is a flowchart of a discount rate acquisition process. 1 is a block diagram illustrating a configuration of a transaction fee discount system according to an embodiment of the present invention. It is explanatory drawing which shows the example of a breakdown of the Internet connection time of a certain investor. It is a block diagram showing the example of composition of means of a transaction commission discount system of the present invention. It is the schematic which shows the example of the history data in a customer Web history DB. FIG. 4 is a schematic diagram illustrating an example of a URL management table. FIG. 4 is an explanatory diagram showing an example of statistical data stored in a statistical data storage unit 23 of the provider server 2 of the present invention. It is a block diagram of a structure of a customer management part. It is the schematic which shows the processing flow of a customer management part. It is a block diagram of a structure of a statistical data calculation part. It is a schematic diagram showing the processing flow of a statistical data calculation part. It is a block diagram of a structure of a customer management part. It is the schematic which shows the processing flow of a customer management part. It is a block diagram of a structure of a commission discount rate calculation part. It is a schematic diagram of a discount rate correspondence table. It is a flowchart figure which shows the flow of operation | movement by the provider server 2 side in the transaction fee discount system of this invention. It is a flowchart figure which shows the flow of operation | movement by the Web supplier server 3 side in the transaction fee discount system of this invention.

Explanation of reference numerals

  1, 1a, 1b, 1c: customer terminal, 2: provider server, 3, 3a, 3b, 3c, 3 ': web supplier server, 4: network, 21: customer Web history DB, 22: URL management table, 23 ... statistical data storage unit, 25 ... customer management unit, 26 ... statistical data calculation unit, 27 ... statistical data transmission unit, 31 ... statistical data DB, 32 ... customer DB, 35 ... statistical data reception unit, 36 ... customer management unit, 37: commission discount rate calculation unit, 251, 301: transmission / reception unit, 252, 262, 302, 362, 372: control unit, 253, 263, 303, 363, 373: main memory, 254, 264, 304, 364, 374 ... storage unit, 255 ... history data output unit, 261, 361, 371 ... input / output unit, 305 ... access log DB, 306 Customer DB

Claims (8)

An access log storage unit that stores an access log to a specific site, a customer information storage unit that stores customer information, a site information storage unit that stores information of a pay site at a specific site, and stores the browsing time of a pay site. A paid site browsing time table, a transaction data table storing transaction amount data, a pay site browsing time / transaction amount table storing data totaling the paid site browsing time or / and transaction amount for each customer, A commission discount rate correspondence table that defines the transaction fee discount rate according to the site browsing time, a browsing fee discount correspondence table that defines the paid site browsing rate discount rate according to the transaction amount, A discount rate calculation table that stores a discount rate for a specific validity period and a cumulative total discount rate for a specific day, and an access log to the specific site. From a server and a control unit for calculating a discount rate of charge of each customer,
The control unit reads data of a customer ID and a pay site browsing time from the access log of the access log storage unit, and sets the data in the pay site browsing time table.
Read customer ID and transaction amount data from the access log, set in the transaction data table,
The data of the paid site browsing time totalized for each customer and / or the data of the transaction amount totalized for each customer are read from the paid site browsing time table and / or the transaction data table, and the paid site browsing time / transaction amount is read. Set on the table,
Reading the data of the paid site browsing time or / and the data of the transaction amount aggregated from the paid site browsing time / transaction amount table, and referring to the commission discount rate correspondence table or / and the browsing fee discount rate correspondence table, Acquisition of commission discount data corresponding to paid site browsing time or / and browsing fee discount rate data corresponding to transaction amount, and setting in the discount rate calculation table together with a specific validity period;
In the discount rate calculation table, the discount rate of the commission or / and the discount rate of the browsing fee effective on the specific day are respectively accumulated to calculate the discount rate of the total commission and / or the discount rate of the total browsing fee. To the discount rate calculation table,
A fee discount system, wherein the calculated total commission discount rate and / or total browsing fee discount rate is stored in association with a corresponding customer in a customer information storage unit. The control unit accumulates the discount rate of the fee or / and the discount rate of the browsing fee effective on the specific day in the discount rate calculation table, and accumulates the discount rate of the total fee or / and the discount rate of the total browsing fee. Is calculated, and the total discount rate of the total fee and the discount rate of the total browsing fee are added to calculate the total discount rate, and the discount rate is set in the discount rate calculation table,
2. The fee discount system according to claim 1, wherein the calculated total total discount rate is stored in association with a corresponding customer in a customer information storage unit.   The control unit calculates a total total discount rate by performing different weighting on each discount rate when adding the discount rate of the total fee and the discount rate of the total viewing fee. The described rate discount system. A customer management unit that extracts a history of network access for a specific customer;
A customer web history storage unit for storing data of the extracted access history,
An access destination management table that stores information on access destinations of specific securities company sites and information on access destinations of a plurality of designated securities company sites;
The access destination management table is referred to, the access time data is counted from the access history data to a specific securities company site in a specific period, and the number of accesses to the plurality of designated securities company sites in the specific period is calculated from the access history data. Aggregate the access time or the number of times, calculate the ratio of the access time or the number of times to the designated securities company site and the access time or the number of times to the specific securities company site as the browsing ratio, and statistically calculate the data of the calculated browsing ratio. A statistical data calculation unit for outputting as data,
A provider server having a statistical data transmitting unit for transmitting the statistical data,
A statistical data receiving unit that receives the statistical data transmitted from the statistical data transmitting unit,
A statistical data storage unit that stores the received statistical data,
A customer information storage unit for storing customer information;
A discount rate calculation unit that acquires and outputs commission discount rate data based on a discount rate correspondence table or a discount rate calculation formula for input browsing rate data,
The statistical data of the specific customer is read from the statistical data storage unit, the data of the browsing ratio obtained from the statistical data is output to the discount rate calculation unit, and the data of the commission discount rate input from the discount rate calculation unit And a customer management unit for storing the customer information in the customer information storage unit in association with the corresponding customer.   5. The fee discount system according to claim 4, wherein the provider server has the configuration of the server according to any one of claims 1 to 3. The access destination management table stores only information on the access destination of a specific securities company,
The statistical data calculation unit refers to the access destination management table, tabulates the access time or the number of times to the specific securities company site in the specific period from the access history data, and calculates all the access times in the specific period from the access history data. Aggregate the access time or the number of times to the site, calculate the ratio of the access time or the number of times to all the sites to the access time or the number of times to the specific securities company site as the browse ratio, and calculate the data of the browse ratio 6. The charge discount system according to claim 4, wherein the data is output as statistical data. The provider server, instead of the statistical data transmission unit, provided a transmission unit that transmits the data of the access history of the specific customer read from the customer web history storage unit to the web supply server,
The web supplier server includes, in place of the statistical data receiving unit, a receiving unit that receives the transmitted data of the access history of the specific customer, and a customer web history storage unit that stores the received data of the access history of the specific customer. Provided,
The fee discount system according to any one of claims 4 to 6, wherein an access destination management table and a statistical data calculation unit in the provider server are provided in the web supplier server. The discount rate calculation unit obtains and outputs the data of the discount rate of the browsing fee of the pay site based on the discount rate correspondence table or the discount rate calculation formula with respect to the input browsing rate data,
The customer management unit in the web supplier server reads the statistical data of a specific customer from the statistical data storage unit, outputs browsing ratio data obtained from the statistical data to the discount rate calculation unit, 8. The fee discount system according to claim 4, wherein the data of the discount rate of the browsing fee of the pay site inputted from the customer information is stored in association with the corresponding customer in the customer information storage unit.

Images