JP2007148808A - Finance-securities collaboration method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To increase mainline business transactions in financial institutions and securities companies. <P>SOLUTION: In a finance-securities collaboration method, a securities company system 100 receives an instruction for purchasing or selling a bond from a client terminal 300 from a financial institution system 200 having received the instruction, and executes an engagement processing according to the instruction. The financial institution system 200 determines whether the client who issued the instruction has a deposit balance that is equal to or more than a prescribed sum in the financial institution by a client financial account information database 125, performs a prescribed discount for the commission of the securities transactions generated in the securities company system 100 to the client when the client has a deposit balance that is equal to or more than a prescribed amount, and reports the discount information to the client terminal 300. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an information processing technique in a case where services are performed in cooperation between different companies, particularly between different industries. In particular, the present invention relates to information processing using a computer when a financial company such as a bank and a securities company mutually provide services, that is, information processing for realizing financial / securities collaboration.

A method for discounting ATM usage fees at financial institutions has been proposed. For example, there is a fee management method in an ATM connected to a bank server via a network and installed in a store where a customer visits the store to buy a product, wherein the customer performs a transaction in the ATM via the network. A fee management method in ATM (refer to Patent Document 1) is proposed in which a designation is given to a server and a fee is generated in the transaction, and the ATM is prompted to purchase a product card.
JP 2003-248755 A

  However, there has been no proposal of a collaboration method between a financial institution that intervenes securities transactions between a securities company and a customer and the securities company that can increase the main business transaction.

  Accordingly, the present invention has been made in view of the above problems, and a main object of the present invention is to provide a financial / securities collaboration method capable of increasing the main business transaction between a financial institution and a securities company.

  The financial / securities collaboration method of the present invention that solves the above-mentioned problem is performed by performing a predetermined discount on a fee for a securities transaction generated in a securities company system when a customer has a deposit balance of a predetermined amount or more at a financial institution. The discount information is notified to the customer terminal.

  Further, the financial / securities collaboration method may execute processing for settlement of securities trading fees.

  In the financial / securities collaboration method, when a customer has a securities balance of a predetermined amount or more at a securities company, a predetermined discount is applied to a fee generated in a financial institution system, and the discount information is transmitted to a customer terminal. It is characterized by notifying.

  The financial / securities collaboration method may execute ATM fee settlement processing.

  The following aspects are also included in the present invention. In multiple companies (organizations) that keep assets from customers, at least one of them holds information indicating the customer's assets (the amount of money, etc.), and the other provides services that are provided according to the information indicating the assets. Identify. For example, the ATM fee of the financial institution is changed according to the amount deposited in the account of the securities company. In this case, for stocks and other monetary values (price) that do not change, the service amount such as fees is not changed each time, based on the representative value (including the average value) of assets for a predetermined period such as one month, The service amount may be settled (for example, the difference is transferred to a predetermined account).

  A financial / securities collaboration method of the present invention that solves the above problems is a collaboration method between a securities company and a financial institution that brokers securities transactions between a securities company and a customer, and the securities company system is connected to a customer terminal. The instruction is received from the financial institution system that received the instruction to purchase or sell the securities, and the contract processing is executed in accordance with the instruction, and the financial institution system determines that the customer who is the sender of the instruction is the financial institution. If the customer's financial account information database determines whether the customer has a deposit balance of a fixed amount or more, and the customer has a deposit balance of a predetermined amount or more, a securities transaction that occurs in the securities company system for the customer A predetermined discount is performed on the fee of the service, and this discount information is notified to the customer terminal.

  Further, in the financial / securities collaboration method of the present invention, the financial institution system accepts payment processing of the fee for the securities transaction for which the predetermined discount has been made from the customer terminal, and among the fee and the amount of the predetermined discount Payment processing with the burden amount on the financial institution side is executed with respect to the securities company system, and the securities company system accepts the payment processing with the fee and the burden amount on the financial institution side. It is preferable that the fee settlement processing is executed by adding the burden amount of the securities company out of the predetermined discount amount.

  The financial / securities collaboration method of the present invention is a collaboration method between a securities company and a financial institution that brokers securities transactions between a securities company and a customer, and the financial institution system has a financial account from a customer terminal. In accordance with this usage instruction, various processes are executed in the corresponding financial account, and the customer who is the sender of the usage instruction has a securities balance of a predetermined amount or more at the securities company, or a securities company If the customer has a securities balance greater than or equal to a predetermined amount, the system or the customer securities account information database is inquired and determined for the fee according to the usage instruction generated in the financial institution system. The discount information is performed and the customer terminal is notified of the discount information.

  In the financial / securities collaboration method of the present invention, the financial institution system accepts a fee payment process according to the usage instruction for which the predetermined discount has been made from the customer terminal, and the predetermined discount from the securities company system. Of the above-mentioned amount, the payment by the brokerage company is received, and the payment by the financial institution of the predetermined discount amount is added at the time of the payment processing of the above-mentioned fee and the burden of the brokerage company. It is preferable to execute the settlement process.

  In addition, the problems disclosed by the present application and the solutions thereof will be clarified by the embodiments of the present invention and the drawings.

  According to the present invention, it is possible to increase main business transactions between different companies (organizations) such as financial institutions and securities companies (including between different industries).

--- System configuration ---
Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a network configuration diagram including a securities company system 100 and a financial institution system 200 constituting the financial / securities collaboration system 10 of the present embodiment. The securities company system 100 according to the present embodiment is stored in a program database 101 such as a rewritable memory in order to realize the function of executing the financial / securities collaboration method of the present invention in cooperation with the financial institution system 200. A program 102 for realizing the financial / securities collaboration method is read into the memory 103 and executed by the CPU 104 as an arithmetic unit.

  Further, the securities company system 100 includes various keyboards and buttons generally provided in a computer device, an input / output interface 105 such as a display, and a communication means 106 for exchanging data with the financial institution system 200 and the like. ing.

  The securities company system 100 is connected to the financial institution system 200 via the network 140 such as the Internet, a LAN, or a serial interface communication line by the communication means 106, and executes data exchange. Between each functional unit and the communication means 106, the I / O unit 107 performs data buffering and various mediation processes.

  Similarly, the financial institution system 200 according to the present embodiment is stored in a program database 201 such as a rewritable memory in order to realize a function of executing the financial / securities collaboration method of the present invention in cooperation with the securities company system 100. Then, the program 202 for realizing the financial / securities collaboration method of the present invention is read into the memory 203 and executed by the CPU 204 which is an arithmetic device.

  In addition, the financial institution system 200 includes various keyboards and buttons generally provided in a computer device, an input / output interface 205 such as a display, and communication means 206 responsible for data exchange with the securities company system 100 and the customer terminal 300. Etc.

  The financial institution system 200 is connected to the securities company system 100 and the customer terminal 300 through the network 140 such as the Internet, a LAN, and a serial interface communication line by the communication unit 206, and executes data exchange. Between each functional unit and the communication unit 206, the I / O unit 207 executes data buffering and various mediation processes.

  Subsequently, functional units that are configured and held by the securities company system 100 and the financial institution system 200 based on the programs 102 and 202 will be described. The securities company system 100 includes a contract processing unit 110 that receives the instruction from the financial institution system 200 that has received the instruction to purchase or sell securities from the customer terminal 300 and executes the contract processing according to the instruction.

  On the other hand, the financial institution system 200 determines whether or not the customer who is the sender of the instruction has a deposit balance of a predetermined amount or more at the financial institution using the customer financial account information database 125, and the customer If the customer has the above deposit balance, the customer is given a discount for the fee of the securities transaction generated in the securities company system 100 and notifies the customer terminal 300 of the discount information. Part 210 is provided.

  Further, the financial institution system 200 accepts the processing for paying the fee of the securities transaction for which the predetermined discount has been made from the customer terminal 300, and the financial institution side of the amount of the predetermined discount and the burden on the financial institution side A fee processing unit 211 that executes the payment process for the securities company system 100 is provided.

  On the other hand, the securities company system 100 accepts the payment process of the fee and the burden amount on the financial institution side and adds the burden amount on the securities company side out of the predetermined discount amount at the time of the payment process. The fee settlement unit 111 that executes the process is provided.

  Further, the financial institution system 200 includes an account processing unit 212 that receives an instruction to use a financial account from the customer terminal 300 and executes various processes in the corresponding financial account in accordance with the use instruction.

  In addition, the financial institution system 200 determines whether the customer who is the sender of the usage instruction has a securities balance of a predetermined amount or more at the securities company by inquiring the securities company system 100 or the customer securities account information database 126. When the customer has a securities balance of a predetermined amount or more, a predetermined discount is given to the customer according to the usage instruction generated in the financial institution system 200, and the discount information is provided to the customer. A second discount information notification unit 213 that notifies the terminal 300 is provided.

  Also, the financial institution system 200 receives a payment processing of a fee according to the usage instruction for which the predetermined discount has been made from the customer terminal 300, and the predetermined discount of the predetermined discount from the securities company system 100. A payment amount receiving unit 215 is provided for receiving a payment process for the payment amount of the securities company.

  In addition, the financial institution system 200 executes a fee settlement process by adding the burden on the financial institution out of the predetermined discount amount when paying out the fee and the burden on the securities company. A settlement unit 216 is provided.

  The functional units 110 and 111 in the securities company system 100 and the functional units 210 to 216 in the financial institution system 200 described so far may be realized as hardware, or may be a memory or an HDD (Hard Disk Drive). ) And the like may be realized as a program stored in an appropriate storage device. In this case, the CPU 104 of the securities company system 100 or the CPU 204 of the financial institution system 200 of the present invention reads the corresponding program 102 or 202 from the storage device into the memory 103 or 203 in accordance with the program execution, and executes it. .

  The customer terminal 300 also has a CPU, memory, I / F, I / O, and communication device as in the securities company system 100 and the financial institution system 200, and a program stored in a storage device such as an HDD is executed by the CPU. Information processing is performed by executing. That is, the customer terminal 300 is also constituted by a so-called computer. For this reason, the customer terminal 300 includes so-called personal computers and mobile phones.

  In addition to the Internet and LAN, the network 140 includes various types such as an ATM line, a dedicated line, a WAN (Wide Area Network), a power line network, a wireless network, a public line network, a mobile phone network, and a serial interface communication line. A network can also be adopted. If a virtual private network technology such as VPN (Virtual Private Network) is used, communication with improved security is established when the Internet is adopted. The serial interface refers to an interface for connecting to an external device by serial transmission that sequentially transmits data bit by bit using a single signal line, and RS-232C, RS-422, IrDA, USB, IEEE 1394, fiber channel, etc. can be assumed.

  The securities company system 100 and the financial institution system 200 may be connected via a network such as a dedicated line, and the securities company system 100, the financial institution system 200, and the customer terminal 300 may be connected via the Internet. That is, the securities company system 100 and the financial institution system 200 may be connected to the securities company system 100 and the financial institution system 200 to the customer terminal 300 via different networks.

--- Database structure ---
Next, the structure of the database used by the securities company system 100 and the financial institution system 200 of this embodiment will be described. 2 shows (a) a customer financial account information database, (b) a securities trading fee discount rate determination database, (c) a securities trading fee distribution ratio database, (d) a customer transaction history database, and (e) a customer securities account information database. (F) ATM fee discount rate determination database and (g) ATM fee distribution ratio database.

  The customer financial account information database 125 is a database for storing balance information of accounts owned by customers at financial institutions such as banks. Such a customer financial account information database 125 uses, for example, a bank account number as a key, and records that associate information such as a deposit balance, a securities fee discount flag (standing if the deposit balance exceeds a predetermined amount), and a fee discount flag update date. It is an aggregate of.

  The securities trading fee discount rate determination database 127 is a database for storing a list of securities fee discount rates determined according to the deposit balance of an account owned by a customer in a financial institution such as a bank. Such a securities trading commission discount rate discriminating database 127 is a set of records in which information on securities commission discount rates is associated with a bank deposit balance as a key.

  In addition, the securities trading fee distribution ratio database 128 is a database that stores information on the proportion of the discounted securities fees borne by the financial institution. Such a brokerage transaction fee distribution ratio database 128 includes, for example, information such as brokerage company code (financial institution code) and brokerage company name (financial institution name) as a brokerage company code, brokerage company name, and discount amount burden rate. It is a collection of records related to.

  The customer transaction history database 129 is a database that stores customer transaction histories at financial institutions, and is information provided from the financial institution system 200 to the securities company system 100. Such a customer transaction history database 129 is a collection of records in which information such as a transaction date, a transaction place, a transaction amount, and a balance is associated with, for example, a customer code and a customer name as keys.

  The customer securities account information database 126 is a database that stores securities balance information of accounts owned by customers at securities companies. Such a customer securities account information database 126 uses, for example, a securities account number as a key, a securities deposit balance, an ATM fee discount flag (which stands if the securities deposit balance exceeds a predetermined amount), a current ATM fee discount rate (for example: It is an aggregate of records in which information such as the ATM fee discount flag update date is linked.

  The ATM fee discount rate determination database 130 is a database for storing a list of ATM fee discount rates determined according to the securities deposit balance of an account owned by a customer at a securities company. Such an ATM fee discount rate determination database 130 is an aggregate of records in which ATM fee discount rate information is associated with, for example, a security deposit balance.

  The ATM fee distribution ratio database 131 is a database that stores information on the proportion of the ATM fee discount paid by the securities company. Such an ATM fee distribution ratio database 131 associates information such as broker code (financial institution code), broker name (financial institution name), and discount amount burden rate with a brokerage company code and brokerage company name as a key, for example. It is a collection of records.

---- Outline of the invention ---
Next, the outline of the financial / securities collaboration method in the present embodiment will be described. FIG. 3 and FIG. 4 are diagrams respectively showing an outline 1 and an outline 2 of the financial / securities collaboration method in the present embodiment. As one of the financial / securities collaboration methods in this embodiment, first, when a customer's deposit balance at a bank is a certain amount or more, securities transaction processing mediated by this bank (executed by a partner securities company) This is a model that discounts the fee that accompanies this.

  In this case, of course, it is assumed that the customer has opened an account in advance at the bank and has instructed the bank to open a securities account for securities trading. This securities account opening instruction is transferred from the bank to the securities company, and actual account opening processing is performed. It is assumed that such a customer has made a deposit or the like in the bank account and the balance is a certain amount or more. In this case, the bank notifies the customer that the brokerage fee will be discounted accordingly.

  Further, the bank side that has actually received an instruction for securities trading from the customer notifies the securities company of this and executes the actual securities trading process. On the other hand, the bank and the securities company share the fee discount amount for securities transactions based on the financial / securities collaboration method of the present invention.

  Further, in the case of the model in the outline 2, when the customer's securities deposit balance at the securities company is a certain amount or more, the ATM fee discount at the bank is executed. In this case, as in the case of the outline 1, it is assumed that, of course, the customer has opened an account in advance at the bank and has instructed the bank to open a securities account for securities trading. This securities account opening instruction is transferred from the bank to the securities company, and actual account opening processing is performed. Assume that such a customer purchases securities at a securities company through the bank, and the balance of the securities account exceeds a certain amount. In this case, the bank notifies the customer that the ATM transaction fee will be discounted accordingly. Further, the bank side performs processing for sharing the discount amount for the ATM transaction based on the financial / securities collaboration method of the present invention between the bank and the securities company.

--- Flow example 1 ---
Next, actual procedure 1 of the financial / securities collaboration method in the present embodiment will be described with reference to the drawings. Various operations corresponding to the financial / securities collaboration method described below are realized by programs 102 and 202 that are read and executed by the securities company system 100 and the financial institution system 200 in the memories 103 and 203, respectively. These programs 102 and 202 are composed of codes for performing various operations described below.

  FIG. 5 is a flowchart showing an actual procedure example 1 of the financial / securities collaboration method of the present embodiment. First, it is assumed that the customer transmits an instruction to purchase or sell securities to the financial institution system 200 via the customer terminal 300 (s1000). Of course, it is assumed that the financial institution system 200 is associated in advance with the securities company system 100 of the securities company used by the customer. At this time, the financial institution system 200 transfers an instruction to purchase or sell the securities to the securities company system 100 (s1001). On the other hand, the securities company system 100 executes a contracting process related to the specified brand of the customer in response to the instruction (s1002).

  Further, the financial institution system 200 determines whether the customer who is the sender of the instruction has a deposit balance of a predetermined amount or more at the financial institution in the customer financial account information database 125 (s1003). If the customer does not have a deposit balance equal to or greater than the predetermined amount (s1004: NO), the financial institution system 200 sets the customer's brokerage fee as normal and ends the processing (s1005). On the other hand, when the customer has a deposit balance of a predetermined amount or more (s1004: YES), the financial institution system 200 gives the customer a predetermined discount for the fee of the securities transaction generated in the securities company system 100. The following processing is performed in order to perform. Here, first, the customer financial account information database 125 confirms whether or not there is a fee discount flag (s1006). If there is no flag (s1006: NO), the financial institution system 200 determines that the customer financial account information database 125 A flag is assigned to the record of the corresponding account in (s1007).

  On the other hand, if the flag is present (s1006: YES), it is determined whether or not the update date is within a predetermined period (eg, 3 months) (s1008). If it is an old flag set before the predetermined period (s1008: NO), the flag and flag update date are reset for the corresponding record in the customer financial account information database 125 (s1009), and the process is terminated. Further, if the flag is a new one set within a predetermined period (s1008: YES), the discount rate of the securities trading fee is calculated based on the securities trading fee discount rate judgment database 127 and the information on the customer's deposit balance. The fee is calculated by assigning the discount rate to the normal fee (s1010). The fee information and the discount rate information calculated here are notified from the financial institution system 200 to the customer terminal 300.

  The customer terminal 300 receives the discount rate and fee information from the financial institution system 200 (s1011), and outputs and displays the information on an appropriate input / output interface such as a display device (s1012). In addition, the customer terminal 300 receives a customer instruction via an input / output interface or the like, and executes a security transaction fee payment process according to the fee information (s1013).

  On the other hand, in the financial institution system 200, it is confirmed in the customer financial account information database 125 whether the discount rate specified in the step s1010 is higher than the registered discount rate (s1014). If the discount rate increases (s1014: YES), the flag set date is updated in the record of the corresponding account in the customer financial account information database 125 (s1015).

  Also, the financial institution system 200 refers to the securities trading fee distribution ratio database 128, reads the fee sharing ratio between the financial institution and the securities company, and calculates the amount of each burden (s1016). The financial institution system 200 notifies the securities company system 100 of the information on the burden calculated here (s1017). Also, the financial institution system 200 pays the burden amount of the company to the securities company system 100.

  On the other hand, the securities company system 100 receives the notification of the burden amount (s1018). In addition, a fee and sharing payment process from the customer terminal 300 and the financial institution system 200 is accepted (s1019), and a fee settlement process is executed (s1020). In this way, a process is performed in which the financial institution and the securities company collaborate by sharing the brokerage commission.

--- Flow example 2 ---
Next, actual procedure 2 of the financial / securities collaboration method in the present embodiment will be described with reference to the drawings. Various operations corresponding to the financial / securities collaboration method described below are realized by programs 102 and 202 that are read and executed by the securities company system 100 and the financial institution system 200 in the memories 103 and 203, respectively. These programs 102 and 202 are composed of codes for performing various operations described below.

  FIG. 6 is a flowchart showing an actual procedure example 2 of the financial and securities collaboration method of the present embodiment. First, it is assumed that a customer transmits an instruction for ATM processing such as depositing into a bank account or withdrawal from a bank account to the financial institution system 200 via the customer terminal 300 (s1000). This financial institution system 200 is assumed to be associated in advance with the securities company system 100 of the securities company used by the customer. At this time, the financial institution system 200 receives the instruction and executes ATM deposit / withdrawal processing regarding the bank account (s1001). Further, a request for confirming the customer's securities deposit balance is transmitted to the securities company system 100 (s1002).

  The securities company system 100 receives the request (s1003) and, in response to the request, calculates the evaluation amount of each product (securities) held by the customer at the securities company based on, for example, the market price, and calculates the securities deposit balance. (S1004). If the customer does not have a securities deposit balance of a predetermined amount or more (s1005: NO), the securities company system 100 sets the customer's ATM fee as normal and ends the processing (s1006). On the other hand, when the customer has a securities deposit balance of a predetermined amount or more (s1005: YES), the securities company system 100 gives the customer a predetermined discount for the fee generated in the ATM transaction of the financial institution. In order to do so, the following processing is performed. Here, first, in the customer securities account information database 126, it is confirmed whether or not there is a fee discount flag (s1007). If there is no flag (s1007: NO), the securities company system 100 uses the customer securities account information database 126. A flag is assigned to the record of the corresponding account in (s1008).

  On the other hand, if the flag is present (s1007: YES), it is determined whether or not the update date is within a predetermined period (eg, 3 months) (s1009). If the flag is an old flag set before the predetermined period (s1009: NO), the flag, flag update date, and discount rate are reset for the corresponding record in the customer securities account information database 126 (s1010), and the process ends. . If the flag is a new one set within a predetermined period (s1009: YES), the ATM fee discount rate is specified based on the ATM fee discount rate determination database 130 and the information on the customer's securities deposit balance. The fee is calculated by applying the discount rate to the normal fee (s1011). The fee information and the discount rate information calculated here are notified from the securities company system 100 to the customer terminal 300. The notification to the customer terminal 300 may be either transmission of an e-mail or presentation on a URL given for each customer.

  The customer terminal 300 receives the discount rate and fee information from the securities company system 100 (s1012), and outputs and displays the information on an appropriate input / output interface such as a display device (s1013). Further, the customer terminal 300 receives a customer instruction through an input / output interface or the like, and executes an ATM fee payment process according to the fee information (s1014). In this example, it can be assumed that the customer terminal 300 is ATM itself.

  On the other hand, in the securities company system 100, it is confirmed in the customer securities account information database 126 whether the discount rate specified in the step s1011 is higher than the registered discount rate (s1015). If the discount rate increases (s1015: YES), the flag set date is updated in the record of the corresponding account in the customer securities account information database 126 (s1016).

  Further, the securities company system 100 reads the fee sharing ratio between the financial institution and the securities company with reference to the ATM fee distribution ratio database 131, and calculates each burden amount (s1017). The securities company system 100 notifies the financial institution system 200 of the information of the burden calculated here (s1018). Further, the securities company system 100 pays the burden of the company to the financial institution system 200.

  On the other hand, the financial institution system 200 receives the notification of the burden amount (s1019). In addition, a fee and sharing payment process from the customer terminal 300 and the securities company system 100 is accepted (s1020), and a fee settlement process is executed (s1021). In this way, a process is performed in which the financial institution and the securities company collaborate by sharing the ATM usage fee.

  ADVANTAGE OF THE INVENTION According to this invention, the financial and securities collaboration method which aims at increase of main business transaction between a financial institution and a securities company can be provided.

  As mentioned above, although embodiment of this invention was described concretely based on the embodiment, it is not limited to this and can be variously changed in the range which does not deviate from the summary.

It is a network block diagram including the financial and securities collaboration system of this embodiment. In this embodiment, (a) customer financial account information database, (b) securities trading fee discount rate determination database, (c) securities trading fee distribution ratio database, (d) customer transaction history database, (e) customer securities account information It is a figure which shows each data structure example of a database, (f) ATM fee discount rate discrimination | determination database, and (g) ATM fee distribution ratio database. It is a figure which shows the outline | summary 1 of the financial and securities collaboration method of this embodiment. It is a figure which shows the outline | summary 2 of the financial and securities collaboration method of this embodiment. It is a flowchart which shows the actual procedure example 1 of the financial and securities collaboration method of this embodiment. It is a flowchart which shows the actual procedure example 2 of the financial and securities collaboration method of this embodiment.

Explanation of symbols

10 Financial and Securities Collaboration System 100 Securities Company System 101, 201 Program Database 102, 202 Program 103, 203 Memory 104, 204 CPU
105, 205 Input / output interfaces 106, 206 Communication means 107, 207 I / O unit 110 Contract processing unit 111 Fee settlement unit 125 Customer financial account information database 126 Customer securities account information database 127 Securities trading fee discount rate determination database 128 Securities trading fee Distribution ratio database 129 Customer transaction history database 130 ATM fee discount rate determination database 131 ATM fee distribution ratio database 140 Network 200 Financial institution system 210 Discount information notification unit 211 Fee processing unit 212 Account processing unit 213 Second discount information notification unit 214 Payment acceptance Part 215 burden receiving part 216 fee settlement part 300 customer terminal

Claims (4)

A financial institution system of a financial institution that brokers securities transactions between a securities company and a customer, and a financial / securities collaboration method using the securities system of the securities company,
The securities company system is
From the financial institution system that received the instruction to purchase or sell securities from the customer terminal, the instruction is received, and execution of the contract is performed according to the instruction.
The financial institution system is
If the customer who is the sender of the instruction has a deposit balance of a predetermined amount or more at the financial institution, it is determined in a customer financial account information database, and the customer has a deposit balance of a predetermined amount or more, The customer is given a predetermined discount for the commission of the securities transaction generated in the securities company system, and the customer terminal is notified of this discount information.
A financial and securities collaboration method characterized by this. In claim 1,
Financial institution system
Accepting the payment processing of the fee for the securities transaction for which the predetermined discount has been made from the customer terminal, and performing the payment processing of the fee and the burden on the financial institution side of the amount of the predetermined discount to the securities company system Run and
The securities company system
Accepting the payment process of the fee and the burden amount on the financial institution side, and performing the payment processing by adding the burden amount on the securities company side of the predetermined discount amount in the payment process,
A financial and securities collaboration method characterized by this. A financial institution system of a financial institution that brokers securities transactions between a securities company and a customer, and a financial / securities collaboration method using the securities system of the securities company,
The financial institution system is
Receives financial account usage instructions from customer terminals, executes various processes on the financial account according to these usage instructions,
It is determined whether the customer who is the sender of the usage instruction has a securities balance of a predetermined amount or more at the securities company by inquiring a securities company system or a customer securities account information database, and the customer determines a securities balance of a predetermined amount or more. If so, the customer is given a predetermined discount for the fee according to the usage instruction generated in the financial institution system, and the customer terminal is notified of this discount information.
A financial and securities collaboration method characterized by this. In claim 3,
Financial institution system
From the customer terminal, accepting a fee payment process according to the usage instruction for which the predetermined discount has been made,
From the securities company system, accept the payment processing of the burden of the securities company out of the amount of the predetermined discount,
At the time of payment processing of the fee and the burden amount on the securities company side, a fee settlement processing is executed by adding the burden amount on the financial institution side out of the predetermined discount amount,
A financial and securities collaboration method characterized by this.