JP2008146518A - Financial product proposal method and system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To inform a customer of a current situation of a deposit via a character so as to be easily understood, and to provide the information of a proper recommended financial product to the customer at proper timing by registering a character growing according to attained degrees with respect to a target deposit amount and a target attained schedule period of the deposit registered by the customer, and by providing the information of the proper recommended financial product corresponding to a growth step of the character to the customer. <P>SOLUTION: The character grows according to the attained degrees with respect to the target deposit amount and the target attained schedule period, and provides the information of the proper recommended financial product corresponding to the growth step of the character to the customer, when the target deposit amount of the deposit amount in an account of the customer opened in a financial institution, and the target attained schedule period attaining the target deposit amount are registered together with the character. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a financial product proposal method and system.

  Conventionally, when a customer of a financial institution such as a bank, a post office, or a credit union performs a financial transaction such as deposit, withdrawal, transfer, balance inquiry, etc., an ATM provided in the branch of the financial institution, that is, a sales office (Automatic Teller Machine: automatic teller machine), CD (Cash Dispenser: automatic teller machine) and other automatic transaction devices, etc., instructions on how to operate the automatic transaction device on the display screen and transaction statement of the automatic transaction device In addition to information relating to financial transactions such as transaction amount, additional information such as messages, advertisements, and notifications from the financial institution to customers is displayed or printed.

In recent years, strengthening profitability has become an urgent issue for financial institutions. Accordingly, there has been proposed a financial product proposal method and system that creates a message corresponding to each customer and provides it through various sales channels by adopting a CRM (Customer Relationship Management) system. (For example, refer to Patent Document 1). In this case, a message for guiding the financial product selected in accordance with the account balance of each customer can be displayed on the display screen of the automatic transaction apparatus.
JP-A-11-120265

  However, in the conventional financial product proposal method and system, it is impossible to provide information on financial products having appropriate contents to customers at appropriate timing according to the asset status and family structure of each customer. In recent years, financial institution customers have been investing in financial assets such as investment trusts and personal annuities, and the management status of individual assets entrusted to financial institutions, changes in the customer's age and family structure, assets There is a growing need to learn at the right time for changes in the total amount. However, conventional financial product proposal methods and systems cannot meet such customer needs.

  In addition, in the conventional financial product proposal method and system, since information related to financial products is provided by an automatic transaction apparatus, a place where the automatic transaction apparatus is disposed in order to obtain information related to financial products, for example, It is necessary to visit a financial institution or the like, and it is difficult to easily obtain information on financial products.

  The present invention solves the problems of the conventional financial product proposal method and system, registers a character that grows according to the target deposit amount of the deposit registered by the customer and the degree of achievement with respect to the target achievement scheduled time, By providing the customer with information on recommended financial products corresponding to the character's growth stage, it is possible to notify the customer of the current state of deposits through the character in an easy-to-understand manner, and at the appropriate time, An object of the present invention is to provide a financial product proposal method and system capable of providing information to customers.

  Therefore, in the financial product proposal method of the present invention, the target deposit amount of the deposit amount of the customer's account opened in the financial institution and the target achievement scheduled time for achieving the target deposit amount are registered together with the character. The character grows according to the target deposit amount and the degree of achievement with respect to the target achievement scheduled time, and provides the customer with information on recommended financial products according to the growth stage of the character.

  In another financial product proposing method of the present invention, the personality of the customer is determined according to the deposit / withdrawal of the account for a certain period, and the determined personality is added to the character.

  In still another financial product proposal method of the present invention, the character of the character and the character according to the difference between the deposit amount of the account at a predetermined date and time and the basic straight line corresponding to the target deposit amount and the target achievement scheduled time. Change physical condition.

  In still another financial product proposal method of the present invention, the personality of the customer is determined according to the age and family structure of the customer, and the determined personality is added to the character.

  In still another financial product proposal method of the present invention, information on recommended financial products corresponding to the character to be added to the character is provided to the customer.

  In still another financial product proposal method of the present invention, the character serves as an agent to provide information on recommended financial products to the customer.

  In still another financial product proposal method of the present invention, the deposit amount of the account is a total deposit amount of a plurality of accounts.

  In the financial product proposal system of the present invention, the target deposit amount of the deposit amount of the account opened in the financial institution operated by the customer of the financial institution, and the target achievement scheduled time to achieve the target deposit amount, A customer operation device that registers with the character, a customer information database and a financial product database, and a breeding character management server that grows the character according to the degree of achievement with respect to the target deposit amount and the target achievement scheduled time, The breeding character management server transmits information on recommended financial products corresponding to the growth stage of the character to the customer operation device for display.

  In another financial product proposal system of the present invention, the breeding character management server further determines the personality of the customer according to the deposit / withdrawal of the account for a certain period, and adds the determined personality to the character.

  In still another financial product proposal system of the present invention, the breeding character management server further calculates a difference between an account deposit amount at a predetermined date and a basic straight line corresponding to the target deposit amount and a target achievement scheduled time. In response, the character and physical condition of the character are changed.

  In still another financial product proposal system of the present invention, the breeding character management server further determines the personality of the customer according to the age and family structure of the customer, and adds the determined personality to the character.

  In still another financial product proposal system of the present invention, the breeding character management server further transmits information on recommended financial products corresponding to the character added to the character to the customer operation device for display.

  In still another financial product proposal system of the present invention, the character serves as an agent to provide information on recommended financial products to the customer.

  In still another financial product proposal system of the present invention, the deposit amount of the account is a total deposit amount of a plurality of accounts.

  According to the present invention, in the financial product proposal method, a character that grows according to the target deposit amount of the deposit registered by the customer and the degree of achievement relative to the target achievement scheduled time is registered, and a recommendation corresponding to the growth stage of the character is registered. Information about financial products is provided to customers. This makes it possible to notify the customer of the current state of the deposit through the character in an easy-to-understand manner, and to provide the customer with appropriate recommended financial product information at an appropriate timing.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a diagram showing a configuration of a financial product proposal system according to the first embodiment of the present invention.

  In the figure, reference numeral 10 denotes a financial product proposal system as a computer system managed by a financial institution such as a bank, a credit union or a post office. The financial product proposal system 10 includes a customer information database 11, a financial product database 12, a breeding character management server 13, and an automatic transaction device 14 as a customer operation device.

  Here, the automatic transaction apparatus 14 is an ATM, a CD, or the like disposed at a sales office such as a head office or a branch of a financial institution, and the customer of the financial institution operates the deposit, withdrawal, transfer, This is a device for using financial services such as bank transfer and balance inquiry. The automatic transaction apparatus 14 is a store of a store such as a convenience store, a supermarket, a department store, an underground mall, a station premises, a city hall, a public facility such as a hospital, a private company such as a factory or an office, a parking lot, a roadside ( It may be arranged outdoors such as aside). The automatic transaction apparatus 14 is a multi-function terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, and a facility information guidance function. There may be. The customer is a person who opens his / her own account at a financial institution and uses the financial service, and is generally an individual, but may be a company, an organization, or the like.

  And the said automatic transaction apparatus 14 has a customer operation part which combines display apparatuses, such as input devices, such as a keyboard, a touch panel, and a push button, CRT, a liquid crystal display, and LED (Light Emitting Diode) display. The customer operation unit is preferably a touch panel having both functions of an input device and a display device. Further, the customer operation unit includes a voice output device such as a speaker for outputting voice guidance and the like. The automatic transaction apparatus 14 is used for financial products during financial transactions, that is, during processing of financial transactions (such as when the received cash is counted or when an account system is accessed). Can be displayed on the display device.

  The automatic transaction apparatus 14 includes a card handling unit as an ID acquisition unit that handles cards such as cash cards and acquires a customer ID. Here, the card is a card for performing financial transactions such as deposit, withdrawal, transfer, balance inquiry, etc. issued to the customer by the financial institution, such as the customer's name, account number, password, customer ID, etc. A magnetic stripe for storing the information. The member that stores the information may be an IC embedded in a card instead of the magnetic stripe. The card handling unit includes a card slot into which a card is inserted. In the card slot, a card transport device, a card magnetic stripe, reading information stored in an IC, and overwriting. A recording head such as a magnetic head for erasing and the like is provided.

  Further, the automatic transaction apparatus 14 has a printing unit that prints and issues a transaction statement. In the present embodiment, the printing unit can also print a message relating to a financial product on a transaction statement as a medium. In addition, the transaction statement slip is a piece of paper on which information relating to a financial transaction performed by a customer such as deposit, withdrawal, balance inquiry, transfer, transfer, remittance, time deposit setting, etc. is printed. Type, transaction amount, etc. are printed.

  And the said automatic transaction apparatus 14 has a money deposit or withdrawal part which handles a banknote or a coin. The money deposit / withdrawal unit receives and counts the cash deposited by the customer in the financial transaction such as deposit, and pays out a predetermined amount of bills or coins from the money receiving port in the financial transaction such as withdrawal. Note that a shutter is disposed at the money receiving port, and the shutter is opened when a bill or a coin is dispensed.

  In addition, the automatic transaction apparatus 14 has a passbook entry unit for making entries in a passbook such as a deposit passbook. Further, the automatic transaction apparatus 14 includes a calculation unit such as a CPU and an MPU, a storage unit such as a semiconductor memory and a magnetic disk, a communication unit, and the like, and has a control unit that comprehensively controls the operation of the automatic transaction apparatus 14. .

  The automatic transaction apparatus 14 is communicably connected to a billing host computer as a host device via a network (not shown), and communicates with the billing host computer, thereby making deposits, withdrawals, and passbook entries. Executes financial transaction processing such as balance inquiry, transfer, transfer and remittance.

  In addition, the customer information database 11 includes, for each customer, information related to basic customer attributes such as customer ID, address, name, age, occupation, income, family structure, that is, customer basic attribute information and past This database stores account transaction information such as a history related to account transactions performed in the above-described manner, and is communicably connected to the breeding character management server 13 via a network (not shown).

  Further, the financial product database 12 is a database for storing information on various financial products such as time deposits, investment trusts, personal pensions, foreign currency deposits, etc., and can communicate with the breeding character management server 13 via a network not shown. It is connected to the. The financial product database 12 may be integrated with the customer information database 11.

  The breeding character management server 13 is a computer including a calculation means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication means, and the like, and communicates with the automatic transaction apparatus 14 via a network (not shown). Connected as possible. Then, the breeding character management server 13 registers the target deposit amount of the deposit amount of the account and the target achievement scheduled time for achieving the target deposit amount, and further registers the character that grows according to the achievement level. Then, based on the data stored in the customer information database 11 and the financial product database 12, the character is added, the growth is managed, and the like. The breeding character management server 13 provides recommended financial product information corresponding to the growth stage of the character to the customer. In this case, the breeding character management server 13 searches for a financial product suitable for the customer. Then, the searched financial product is transmitted to the automatic transaction apparatus 14 as a recommended financial product together with the character that has been grown with the personality and displayed on the display device. For example, after a customer inputs a personal identification number, a character is displayed on a part of the screen, and when the character is selected, the searched financial product is displayed. As a result, information on the optimal financial product corresponding to the character and growth of the character is retrieved and provided to the customer.

  Next, the operation of the financial product proposal system 10 having the above configuration will be described.

  FIG. 2 is a diagram illustrating the growth of characters in the first embodiment of the present invention, and FIG. 3 is a diagram illustrating the operation of the financial product proposal system in the first embodiment of the present invention. In FIG. 2, (a) to (f) are diagrams showing each stage in the growth of the character.

  Here, the operations (1) to (6) shown in FIG. 3 will be described.

  (1) First, the customer performs a character registration procedure. In the registration procedure, the customer selects and registers a character, and sets the target deposit amount as the target value of the deposit amount of the account opened in the financial institution, and the target time when the deposit amount is scheduled to become the target deposit amount. Register necessary data such as the scheduled time of achievement. The registered data is stored in the customer information database 11. The target deposit amount is the total deposit amount of the ordinary account opened in the financial institution.

  (2) Then, when the customer deposits / withdraws after the operation (1), that is, the registration procedure is completed, the customer's deposit data is stored in the customer information database 11.

  (3) When the deposit amount of the customer stored in the customer information database 11 is equal to or more than A yen as the first predetermined amount, the registered character enters the growth stage 1 as shown in FIG. Become. In the initial state, the character is assumed to be as shown in FIG. When the deposit amount is equal to or more than B yen as the second predetermined amount, the registered character enters the growth stage 2 as shown in FIG.

  In this way, the registered character grows with an increase in the deposit amount, and the appearance changes. When the deposit amount is equal to or more than C yen, D yen, and E yen as the third, fourth, and fifth predetermined amounts, the registered characters are shown in FIGS. 2 (d), 2 (e), and 2 (f). Growth stages 3, 4 and 5 as shown.

  (4) Further, the breeding character management server 13 checks the registered target deposit amount and the target achievement scheduled time and the deposit amount transition within a certain period (customer type determination data acquisition period described later), thereby Perform personality determination. Then, the determined personality of the customer is added to the character. Moreover, the addition of the character of the character can be arbitrarily performed by the customer.

  (5) Furthermore, the breeding character management server 13 recommends a recommended financial product for achieving the target deposit amount registered by the customer by the target achievement scheduled time, that is, a financial institution, according to the character and growth of the character. An optimal financial product is searched by accessing the financial product database 12.

  (6) Then, the character to which the character has been grown and added becomes an agent, and the recommended financial product searched by the breeding character management server 13 is introduced to the customer.

  Next, the operation of the breeding character management server 13 will be described in detail.

  FIG. 4 is a diagram showing the transition of the deposit amount in the first embodiment of the present invention. The vertical axis indicates the deposit amount and the character growth stage, and the horizontal axis indicates the date and time.

  In the figure, a dotted line X is a basic straight line connecting a point corresponding to the target deposit amount registered by the customer X and the target achievement scheduled time and the origin, and a solid line X-1 is a line indicating a transition of the deposit amount of the customer X. It is. The dotted line Y is a basic straight line connecting the origin and the point corresponding to the target deposit amount registered by the customer Y and the target achievement scheduled time, and the solid line Y-1 is a line indicating the transition of the deposit amount of the customer Y. is there.

  First, the character added to the character will be described.

  The character of the customer X is the transition of the deposit / withdrawal status during the customer type determination data acquisition period as a certain period indicated by the shaded portion in the figure, for example, the fluctuation in the deposit / withdrawal status indicated by the solid line X-1, the slope of the increase / decrease It is determined based on. The character of the customer X is also determined based on the difference between the current deposit amount and the deposit amount represented by the dotted line X as the basic straight line. The character of the customer X determined in this way is reflected in the character of the character registered by the customer X.

  For example, at the date and time corresponding to the check 1 when the customer type determination data acquisition period ends, the solid line X-1 indicating the transition of the deposit amount of the customer X has a large increase / decrease variation and is much lower than the basic straight line X. . Therefore, the character of the customer X can be determined as an attack type, for example. This personality is also reflected in the personality of the character registered by the customer X. In this case, the character financially recommends the best recommended financial product to achieve the target deposit amount of the customer X by the scheduled time of target achievement, such as a high-risk, high-return investment trust or foreign currency deposit. Search from the product database 12 for introduction.

  Similarly, the character of the customer Y is also determined based on the transition of the deposit / withdrawal status during the customer type determination data acquisition period, for example, the variation in the deposit / withdrawal status indicated by the solid line Y-1 or the slope of the increase / decrease. Further, the character of the customer Y is also determined based on the difference between the current deposit amount and the deposit amount represented by the dotted line Y as the basic straight line. The character of the customer Y determined in this way is reflected in the character of the character registered by the customer Y.

  For example, at the date and time corresponding to the check 1 when the customer type determination data acquisition period ends, the solid line Y-1 indicating the transition of the deposit amount of the customer Y has a small increase and decrease unevenness and is stable along the basic straight line Y. It is rising. Therefore, the character of the customer Y can be determined as a stable type, for example. This character is also reflected in the character registered by the customer Y. In this case, the character searches the financial product database 12 for a recommended financial product that is optimal for achieving the target deposit amount of the customer Y by the scheduled time of target achievement, such as a fixed deposit or a government bond. introduce.

  Next, character growth will be described.

  As shown in FIG. 4, the character registered by the customer X grows when the deposit amount of the customer X exceeds A, B, C, etc. as a predetermined amount of first, second, third, etc. It will grow to become stages 1, 2, 3 etc. For example, if the deposit amount of the customer X is equal to or more than A yen at the date and time corresponding to Check 1, the character enters the growth stage 1. Thereafter, for each date and time corresponding to checks 2, 3, 4 etc., it is determined whether or not the deposit amount of customer X is B, C, D yen or more, and the deposit amount of customer X is B, C, D If it is greater than or equal to a circle or the like, the character is in a growth stage 2, 3, 4 or the like.

  The predetermined amounts such as the first, second, third, etc. may be fixed values such as 100,000 yen, 200,000 yen, 300,000 yen, etc. ], 20 [%], 30 [%], and the like may be achieved with respect to the target deposit amount.

  In this way, character growth is added, and a recommended financial product corresponding to the character growth stage is retrieved from the financial product database 12 and introduced to the customer.

  Next, the physical condition of the character will be described.

  The date and time corresponding to the check is set to be every certain period, the difference between the basic straight line and the current deposit amount is calculated for each date and time corresponding to the check, and the physical condition of the character is changed according to the difference.

  As an example, the case of customer X will be described.

  At the date and time corresponding to the check 2, the solid line X-1 indicating the transition of the deposit amount of the customer X greatly exceeds the basic straight line X. In this case, for example, the character has a happy expression and jumps. And the customer X can grasp | ascertain the present condition, ie, his own asset condition with respect to a target, at a glance by seeing the state of a character.

  As described above, in the present embodiment, it is possible to inform the customer of the asset status of the customer via the character in an easy-to-understand manner, and to achieve the customer's goal, the optimal recommended financial product according to the time Information can be provided.

  Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 5 is a diagram showing the operation of the financial product proposal system in the second exemplary embodiment of the present invention.

  In this embodiment, the customer's age and family structure are added to the parameters when determining the personality of the customer and when searching for recommended financial products. That is, the breeding character management server 13 determines the personality of the customer in consideration of the customer's age and family structure in action (4), adds the determined customer's personality to the character, and in action (5). Based on this, the financial product database 12 is accessed and searched for a financial product suitable for the customer.

  For example, if the customer has children, the threshold value for character determination is changed so that the character added to the character is less likely to be offensive type.

  As described above, according to the present embodiment, it is possible to provide an optimal recommended financial product according to the time in order to achieve the customer's goal in accordance with the customer's age and family structure.

  Next, a third embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st and 2nd embodiment, the description is abbreviate | omitted by providing the same code | symbol. Also, the description of the same operations and effects as those of the first and second embodiments is omitted.

  FIG. 6 is a diagram showing a configuration of a financial product proposal system in the third exemplary embodiment of the present invention.

  In the first and second embodiments, the example in which the character grows according to the transition of the deposit amount of the ordinary account has been described. However, in the present embodiment, the balance of accounts other than the ordinary account, for example, An example will be described in which a character grows in accordance with the amount of time deposits, balances of government bonds, etc., that is, the total deposit amount of a plurality of accounts.

  In the figure, 15 is the Internet, and 16 is a customer terminal as a customer operation device. The customer terminal 16 is a computing means such as a CPU or MPU, a storage means such as a semiconductor memory or a magnetic disk, an input device such as a keyboard, joystick, cross key, push button, remote controller, touch panel, CRT, liquid crystal display, or LED display. Is a kind of computer equipped with a display device such as a speaker, an earphone, a headphone, etc., a communication interface, etc., for example, a notebook personal computer, a mobile phone, a PHS (Personal Handy-Phone System) phone, etc. As long as the device can be connected to the Internet 15 and can perform Internet banking, an electronic notebook, PDA (Personal Digital Assistant), game machine, digital tele Etc., it may be of any type. The customer terminal 16 can be connected to the breeding character management server 13 via the Internet 15.

  Since other configurations are the same as those in the first embodiment, description thereof is omitted.

  Next, operation | movement of the financial product proposal system 10 in this Embodiment is demonstrated.

  In the present embodiment, the character and the searched recommended financial product are transmitted from the breeding character management server 13 to the customer terminal 16 via the Internet 15 and displayed. For example, after a customer logs in by entering an ID number and a password at an Internet banking site, a character is displayed on a part of the screen of the display device of the customer terminal 16. When the character is clicked, a recommended financial product is displayed.

  In the present embodiment, the character is grown according to the transition of the total deposit amount of the plurality of accounts of the customer, the character is added to the character, and the recommended financial product is introduced to the customer via the customer terminal 16. Is possible.

  The grown character plays the role of an agent introducing recommended financial products through the Internet 15.

  Thus, in the present embodiment, since the customer terminal 16 is used, it becomes possible to access a plurality of accounts at a time via the Internet 15. Therefore, based on the total deposit amount of a plurality of accounts held by the customer, it becomes possible to add character to the character and grow it. In the first and second embodiments, since the automatic transaction apparatus 14 is used, it is difficult to access a plurality of accounts at one time.

  As described above, in this embodiment, the total deposit amount of a plurality of accounts refers to the total deposit balance of a plurality of accounts such as a customer's ordinary deposit, time deposit, and government bond in the financial institution.

  Further, the customer can easily know the financial product suitable for him / her at a place other than the sales office using the customer terminal 16 without going to the sales office of the financial institution.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.

It is a figure which shows the structure of the financial product proposal system in the 1st Embodiment of this invention. It is a figure which shows the growth of the character in the 1st Embodiment of this invention. It is a figure which shows operation | movement of the financial product proposal system in the 1st Embodiment of this invention. It is a figure showing transition of the amount of deposits in a 1st embodiment of the present invention. It is a figure which shows operation | movement of the financial product proposal system in the 2nd Embodiment of this invention. It is a figure which shows the structure of the financial product proposal system in the 3rd Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Financial product proposal system 11 Customer information database 12 Financial product database 13 Raising character management server 14 Automatic transaction apparatus 16 Customer terminal

Claims (14)

(A) When the target deposit amount of the deposit amount of the customer's account opened in the financial institution and the target achievement scheduled time for achieving the target deposit amount are registered together with the character,
(B) The character grows according to the degree of achievement with respect to the target deposit amount and the target achievement scheduled time,
(C) Providing the customer with information on recommended financial products in accordance with the stage of growth of the character. The financial product proposal method according to claim 1, wherein the personality of the customer is determined according to deposit and withdrawal of the account in a certain period, and the determined personality is added to the character. The financial product proposal method according to claim 2, wherein the character and physical condition of the character are changed in accordance with a difference between an account deposit amount at a predetermined date and time and a basic straight line corresponding to the target deposit amount and a target achievement scheduled time. The financial product proposal method according to claim 1, wherein the personality of the customer is determined according to the age and family structure of the customer, and the determined personality is added to the character. The financial product proposal method according to claim 1, wherein information on recommended financial products corresponding to the character to be added to the character is provided to the customer. The financial product proposal method according to claim 1, wherein the character serves as an agent and provides information on recommended financial products to the customer. The financial product proposal method according to claim 1, wherein the deposit amount of the account is a total deposit amount of a plurality of accounts. (A) A customer operation device that is operated by a customer of a financial institution to register a target deposit amount of the deposit amount of an account opened in the financial institution and a target achievement scheduled time for achieving the target deposit amount together with a character. When,
(B) connected to a customer information database and a financial product database, and having a breeding character management server that grows the character according to the degree of achievement with respect to the target deposit amount and the target achievement scheduled time,
(C) The trained character management server transmits information on recommended financial products corresponding to the stage of growth of the character to the customer operation device for display. The financial product proposal system according to claim 8, wherein the breeding character management server determines the personality of the customer according to deposits and withdrawals of the account over a certain period, and adds the determined personality to the character. The breeding character management server changes the character and physical condition of the character according to a difference between a deposit amount of an account at a predetermined date and time and a basic straight line corresponding to the target deposit amount and a target achievement scheduled time. The financial product proposal system described. The financial product proposal system according to claim 8, wherein the breeding character management server determines the personality of the customer according to the age and family structure of the customer, and adds the determined personality to the character. The financial product proposal system according to any one of claims 8 to 11, wherein the breeding character management server transmits and displays information on recommended financial products corresponding to the character to be added to the character to the customer operation device. The financial product proposal system according to claim 8, wherein the character serves as an agent and provides recommended financial product information to the customer. The financial product proposal system according to claim 8, wherein the deposit amount of the account is a total deposit amount of a plurality of accounts.

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