JP2009098843A - Financial product sales support apparatus - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To increase the safety in transaction of financial products by confirming customers' comprehension of financial products. <P>SOLUTION: A financial product sales support apparatus comprises a customer information input part 16 for receiving input of customer information of a transaction customer, a selection input part 14 for receiving input of a selected financial product, a comprehension confirmation part 15 for confirming whether or not the content of each description item of the input financial product has been comprehended, a comprehension determination part 21 for determining whether or not essential description items are confirmed by the customer among all the description items confirmed to be comprehended by the customer, a product retrieval part 22 for retrieving products available for the customer's transaction from a product group constituting the financial product according to the input customer information when determined that all the essential description items are comprehended, and a display control part 18 for displaying the retrieved products in a display screen. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a financial product sales support apparatus that supports transactions of financial products.

  In recent years, the handling of investment-type products such as investment trusts has become widespread in banks and the like in addition to products such as deposits and loans. As the volume of these investment-type products increases, risk management such as diagnosis of compatibility at the time of sale of the product and prevention of inappropriate sale of the product becomes an important issue. In addition, the Financial Instruments and Exchange Act, enacted in September 2007, requires that laws and regulations be strictly observed when handling investment-type products.

As a system for selling such a financial product, a system is known in which a customer's investment purpose is managed as a history, and whether or not the sold financial product and the customer's investment purpose are compatible can be checked ( For example, see Patent Document 1).
JP 2003-99604 A

  In the financial product sales support system disclosed in the above-mentioned patent document 1, there is a problem that it is impossible to confirm the degree of understanding of the explanation about the customer's financial product, and the safety of the transaction of the financial product is impaired.

  Therefore, an object of the present invention is to confirm the level of understanding of customers regarding financial products and to improve the safety of transactions of financial products.

  In order to achieve the above object, the invention according to claim 1 is a selection input means for receiving a selection input of a financial product, and whether or not the contents of the explanation items related to the financial product input by the selection input means have been understood. Comprehension level confirmation means for confirming each explanation item, and storage means for associating and storing the understanding level for each explanation item confirmed by the understanding level confirmation means and the name of each explanation item To do.

  The invention according to claim 2 is the invention according to claim 1, further of the explanation items that are essential to understand among the explanation items confirmed by the understanding level confirmation means that the customer can understand. Understanding level determination means for determining whether or not everything has been confirmed, and when it is determined by the understanding level determination means that all of the explanation items that must be understood are understood, the customer of the customer A customer information input means for accepting input of information, and a product extraction for extracting a product that can be traded by the customer from a product group constituting the financial product based on the customer information input by the customer information input means And display control means for displaying the product extracted by the product extraction means on a display screen.

  The invention according to claim 3 is a customer information input means for accepting input of customer information of a customer who makes a transaction, a selection input means for accepting a selection input of a financial product, and an explanation item relating to the financial product input by the selection input means. Comprehension confirmation means for confirming whether or not the contents of the contents can be understood for each explanation item, and understanding among the explanation items confirmed to be understood by the customer by the comprehension confirmation means When it is determined by the understanding level determination unit that determines whether or not all of the explanation items have been confirmed, and the understanding level determination unit has understood all the explanation items that are essential to understand, Based on the customer information input by the customer information input means, a product for extracting a product that can be traded by the customer from a product group constituting the financial product Extraction means, characterized by comprising a display control means for displaying on the display screen products extracted by said product extraction means.

  The invention according to claim 4 is the invention according to claim 3, further comprising storage means for storing the degree of understanding for each explanation item confirmed by the degree of understanding confirmation means and the name of each explanation item in association with each other. It is characterized by that.

  The invention according to claim 5 is the invention according to any one of claims 2 to 4, wherein the customer information includes financial asset specifying information for specifying a customer's financial asset, and the product extracting means includes Based on the financial asset specifying information, a product that can be traded by a customer is extracted.

  The invention according to claim 6 is the invention according to any one of claims 2 to 4, wherein the customer information includes transaction intention information relating to a customer's transaction intention, and the product extraction means includes the transaction intention information. Based on the above, a product that a customer can trade is extracted.

  The invention according to claim 7 is the invention according to any one of claims 2 to 4, wherein the customer information includes financial asset specifying information for specifying a customer's financial asset and transaction intention information relating to the customer's transaction intention. The product extracting means extracts a product that a customer can trade on the basis of the financial asset specifying information and the transaction intention information.

  The invention according to claim 8 is the invention according to any one of claims 2 to 7, further comprising: a product that a customer makes a transaction from among the products displayed on the display screen by the display control means. A selection deciding means for accepting selection, and a name of the explanation item of the explanation content related to the financial product stored in the storage means when the product to be traded is decided by the selection deciding means, and the explanation item Output control means for outputting a degree of comprehension as a confirmation note.

  The invention according to claim 9 is the invention according to any one of claims 2 to 8, wherein the output control means causes the confirmation document to be output by printing, and further the output confirmation document. And reading control means for reading a document describing that the customer has confirmed the contents of the confirmation document and converting it into electronic data, and the storage means includes electronic data of the document read by the read control means and And storing the customer information in association with each other.

  According to the first aspect of the present invention, the selection input unit receives the selection input of the financial product, and the understanding level confirmation unit determines whether or not the contents of the description item regarding the input financial product can be understood. The storage means can store the degree of understanding for each confirmed explanation item and the name of each explanation item in association with each other. Thereby, it is possible to conduct transactions after confirming the degree of understanding of the customer's financial products. Therefore, it is possible to improve the safety of transactions of financial products.

  According to the second aspect of the invention, the understanding level determination means checks all the explanation items that are essential to understand among the explanation items confirmed by the understanding level confirmation means that the customer can understand. If the customer information input means determines that all of the explanation items that must be understood by the understanding level determination means are understood, the customer information input of the customer is accepted. The product extracting means extracts a product that the customer can trade from the product group constituting the financial product based on the customer information input by the customer information input means, and the display control means is used by the product extracting means. The extracted product can be displayed on the display screen. Thereby, after confirming the customer's level of understanding, it is possible to provide a financial product that reflects the customer's age, financial assets owned, intention to trade, and the like.

  According to the third aspect of the invention, the customer information input means accepts input of customer information of a customer who makes a transaction, the selection input means accepts selection input of a financial product, and the understanding level confirmation means includes selection input means. For each explanation item, it is confirmed whether the contents of the explanation item related to the financial product input by the user can be understood, and the understanding level determination means understands the explanation items confirmed by the understanding level confirmation means that the customer can understand. It is determined whether or not all explanation items that are required to be confirmed have been confirmed, and it is determined that all explanation items that are required to be understood by the understanding level determination means are understood. Based on the customer information input by the customer information input means, the product extraction means extracts the products that the customer can trade from the product group constituting the financial product, and controls the display. Stage, it is possible to display the items extracted by the item extracting means on the display screen. Thereby, after confirming the customer's level of understanding, it is possible to provide a product that reflects the customer's age, financial assets owned, transaction intention, and the like.

  According to the invention which concerns on Claim 4, the memory | storage means can correlate and memorize | store the understanding level for every description item confirmed by the understanding level confirmation means, and the name of each description item. Thereby, when determining a transaction, it becomes possible to confirm the customer's level of understanding regarding the explanation of the financial product.

  According to the invention which concerns on Claim 5, a goods extraction means can extract the goods which a customer can trade based on the financial asset specific information which specifies the financial assets contained in customer information. As a result, it is possible to conduct a transaction of a reasonable product according to the financial assets owned by the customer.

  According to the invention which concerns on Claim 6, a goods extraction means can extract the goods which a customer can trade based on the transaction intention information regarding a customer's transaction intention contained in customer information. This makes it possible to provide a product that matches the customer's intention.

  According to the invention of claim 7, the product extracting means is configured to allow the customer to make a transaction based on the financial asset specifying information specifying the customer's financial asset and the transaction intention information relating to the customer's transaction intention, which are included in the customer information. Possible products can be extracted. As a result, it is possible to provide products that correspond to the assets owned by the customer and that match the customer's intention to trade.

  According to the invention of claim 8, the selection determining means accepts the selection of the determination of the goods for the customer to trade from among the goods displayed on the display screen by the display control means, and the output control means selects the When the transaction product is determined by the determination unit, the name of the explanation item of the explanation content regarding the financial product stored in the storage unit and the degree of understanding about the explanation item can be output as a confirmation note. This makes it possible to confirm the degree of understanding of the explanation related to the customer's financial product when the financial product is traded.

  According to the invention of claim 9, a document in which the output control means causes the confirmation note to be output by printing, and the reading control means describes in the output confirmation note that the customer has confirmed the contents of the confirmation note. Can be converted into electronic data, and the storage means can store the electronic data of the document read by the reading control means in association with the customer information. Thereby, it can be confirmed that the customer has made a transaction after understanding the contents related to the explanation of the financial product, and trouble can be prevented.

  A financial product sales support apparatus according to an embodiment of the present invention will be described below with reference to FIGS. FIG. 1 is an explanatory diagram showing an example of a system configuration of a financial product sales support apparatus according to the present invention. In FIG. 1, a financial product sales support system 1 is installed and used in a bank or the like, and is connected to an input device 30 on which a customer or a transaction person performs an input operation, and the input device 30 via a network. The system includes a financial product sales apparatus 10 that controls the system, and a printer 40 that prints documents and the like.

  The input device 30 includes an operation display unit 31 and a keyboard 34. The operation display unit 31 is provided on the display 32 such as a liquid crystal and is displayed on the display 32 when touched by a customer or a transaction person. And a touch panel 33 capable of selecting the selected item. A predetermined screen is displayed on the display 32 of the operation display unit 31 based on the control signal of the financial product sales support apparatus 10. On the other hand, the result of operation input to the touch panel 33 is transmitted from the operation display unit 31 toward the financial product sales support apparatus 10. Further, the customer 34 or the person in charge of transaction can operate the keyboard 34 to input customer information and the like which will be described later.

  The financial product sales support apparatus 10 is installed in a manager's seat in a store, and displays a display unit (not shown) such as a liquid crystal display, and an input unit 11 that receives various information input from the input device 30. A control unit 12 that executes various processes based on various input information and programs, a storage unit 13 that stores various information such as programs executed in the control unit 12, various setting information, and input information, and the like. An understanding level determination unit 21 that determines whether or not the customer understands the content, and a product extraction unit 22 that extracts products based on customer information input to the input unit 11 are provided. The financial product sales support apparatus 10 includes a keyboard, a mouse, and the like (both not shown) for directly inputting information to the financial product sales support apparatus 10.

  The input unit 11 includes a selection input unit 14, an understanding level confirmation unit 15, a customer information input unit 16, and a selection determination unit 17. The selection input unit 14 receives a selection input for a financial product. Specifically, the financial products are, for example, “investment trust”, “foreign currency deposit”, “term deposit”, “variable insurance”, etc. (see FIG. 2). It consists of the product group. Further, as shown in FIG. 2, the financial product is displayed on the display 32 of the input device 30, and is selected and inputted by the customer or the person in charge of the transaction by pressing the touch panel 33 of the name part of the financial product. The selection input unit 14 receives the name information of the financial product. The name information of the financial product selected and input to the selection input unit 14 is transmitted to the control unit 12. Specifically, for example, when the “investment trust” panel 51 displayed on the display 32 is pressed, “investment trust” is selected and input, and the name of “investment trust” is input to the selection input unit 14 of the financial product sales support apparatus 10. Information is sent. Hereinafter, a case where “investment trust” is selected and input as a financial product by a customer or a person in charge of transaction will be described as an example.

  The control unit 12 includes a display control unit 18, an output control unit 19, and a read control unit 20. The display control unit 18 switches the display on the display screen of the financial product sales support device 10 or the display 32 of the input device 30 based on the information input from the selection input unit 14. As described above, when the name information of the financial product is transmitted from the selection input unit 14, the display control unit 18 displays the display on the display 32 of the input device 30 from the display screen illustrated in FIG. 2 to the display illustrated in FIG. Switch to the screen. The output control unit 19 and the read control unit 20 will be described later.

  The understanding level confirmation unit 15 confirms, for each explanation item, whether or not the contents of the explanation item regarding the financial product input by the selection input unit 14 have been understood. As shown in FIG. 3, the explanation items related to financial products are “Structure of investment trust”, “Attractiveness of investment trust”, “How to choose investment trust” and “Risk of investment trust”. "Investment trust principal security", "Investment trust structure and basic matters", "Investment trust revenue", and "Investment trust types". When the financial product is selected and input and the display screen is switched to the screen shown in FIG. 3, the person in charge of the transaction refers to the explanation item displayed on the display 32 and explains to the customer for each explanation item. When the customer can understand the contents explained, for example, “◯” is input to the explanation item as confirmation that the contents of the explanation item can be understood. On the other hand, if the content of the explanation item cannot be understood or is insufficiently understood, “x” is input.

  As an input method of these “O” and “X”, for example, the touch panel 33 of the explanation item portion displayed on the display 32 and explained by the transaction person is pressed, and a predetermined input is made for the explanation item. It is possible to input by performing. Specifically, for example, when a customer receives an explanation about “the structure of an investment trust” and the customer fully understands the contents, the user presses the “structure of the investment trust” panel 61 and The input device can input “◯”. Alternatively, “◯” may be input using the keyboard 34. Information for confirming the degree of understanding such as “◯” and “x” confirmed by the understanding level confirmation unit 15 is stored in the storage unit 13 in association with the name of each explanation item. Specifically, for example, it is stored as “Investment Trust Structure ○”. Moreover, in the above-mentioned example, the person in charge of the transaction is an example of explaining to the customer, but when the panel of the explanation item displayed on the display 32 is pressed, the contents of the explanation of the explanation item are output by voice, The contents of the explanation may be displayed on the display 32.

  In addition, when it is confirmed that the customer understands the explanation of the explanation item (when “◯” is input), an understanding level test unit 23 is provided for testing the understanding level of the customer. When “◯” is input, the understanding level test unit 23 causes the display 32 to display a test question related to the explanation item for which “○” is input via the display control unit 18. This test question is, for example, “Ox format” or “Selected question format”. When the customer inputs answers to the test questions displayed on the display 32 and corrects all the answers, or when it is determined that a predetermined standard is exceeded, the customer understands the explanation of the explanation item again. “O” is input. The presence / absence of the understanding level test unit 23 can be set individually by each bank that handles products. It is also possible to set whether to test for each product. Regarding test questions. Each bank that handles products can be set individually, and can be updated as needed.

  Further, when confirming the understanding level of the explanation item, by inputting the time when the explanation of each explanation item was started, the time when the explanation was completed, the name of the explanation item, and the degree of understanding of the explanation to the input device 30, respectively. Such history information (hereinafter referred to as “explanation history information”) can be created and stored in the storage unit 13. The time at which the explanation is started may be automatically stored when the touch panel 33 in the explanation item portion is pressed, for example, without directly inputting the time. Further, regarding the time when the explanation is finished, the time when the touch panel 33 of the explanation item in the same part as the touch panel 33 pushed when the explanation of the explanation item is started may be automatically stored. It is good also as a structure which memorize | stores the time when the information which confirms a degree was input. Regarding the input of the name of the explanation item, it is inputted by the touch panel 33 of the explanation item portion pressed when inputting the time when the explanation is started, the time when the explanation is finished, or the degree of understanding of the explanation.

  The understanding level determination unit 21 determines whether or not all the explanation items that are required to be understood among the explanation items confirmed by the understanding level confirmation unit 15 as being understood by the customer have been confirmed. Specifically, for example, for each explanation item, an item for which it is essential to understand the explanation (hereinafter referred to as “essential item”) and an item for which the explanation is not necessarily essential (hereinafter, In other words, it is determined whether or not “◯” is input for all the required items.

  More specifically, for example, “Investment trust mechanism”, “Investment trust and risk concept”, “Investment trust principal security”, “Investment trust revenue” are essential items, and other explanation items are not included. If it is set as a mandatory item, “○” is displayed for all four of “Structure of investment trust”, “Think of trust and risk”, “Principal guarantee of investment trust”, “About profit of investment trust” Is input, the understanding level determination unit 21 determines that the customer's understanding of the explanation of the explanation item has been confirmed regardless of the degree of understanding of the other explanation items. On the other hand, when “x” is input for the “investment trust mechanism” which is an essential item and “o” is input for the other explanation items, the understanding level determination unit 21 relates to the explanation of the explanation items. Judge that customer's understanding has not been confirmed. When it is determined that the understanding of the customer cannot be confirmed, the display control unit 18 displays on the display 32 that the transaction is impossible or that the explanation is performed again. On the other hand, when it is determined that the customer's understanding has been confirmed, the display control unit 18 causes the display 32 to display the display content shown in FIG.

  The customer information input unit 16 accepts the input of customer customer information when it is determined that all of the explanation items that must be understood by the understanding level determination unit 21 are understood. For each item shown in FIG. 4, the customer designates the item of customer information to be input, and inputs the customer information using the keyboard 34 or the like of the input device 30. The customer information item can be specified by pressing the customer information item panel on the display 32 or by operating the mouse or the like. When this item of customer information is designated, the display screen is switched to become an input screen (see FIG. 5) on which customer information can be input. For example, in FIG. 4, when the customer information item “customer basic data” panel 65 is designated, the display screen is switched to the basic data entry table 70 shown in FIG. If the cursor is put on the entry field of each item in the basic data entry table 70, customer information such as “name”, “address”, “age” and the like can be input. By the same procedure, it is possible to input other customer information. At this time, the entry table such as the basic data entry table 70 may not necessarily be displayed and entered. When the input for all the items of customer information is completed and the customer or the person in charge of the transaction performs an operation of transmitting the customer information, the customer information input by the input device 30 is transmitted to the financial product sales support device 10, and the customer information The input unit 16 will accept input of customer information.

  The customer information received by the customer information input unit 16 is stored in the storage unit 13 in association with the name of each item described above and information for confirming the degree of understanding. Further, if identification information for identifying a customer is stored in association with these customer information, the customer information can be read by inputting authentication information, and past transaction information and the like can be read. Furthermore, items that flow like “financial assets” in the customer information can be updated as appropriate.

  Based on the customer information input by the customer information input unit 16, the product extraction unit 22 extracts products that the customer can trade from among the product group that constitutes the financial product. Here, the product group which comprises a financial product is demonstrated using FIG. FIG. 6 shows a product group of the financial product “investment trust”. In the example shown in Fig. 6, the financial product “Investment Trust” has eight products, “Domestic bond (government bond) investment type”, “Overseas loan investment type”, “Overseas real estate investment type”, and “Domestic overseas bond split investment type”. , “Domestic equity investment type”, “Overseas equity investment type”, “Domestic overseas equity investment type”, “Loan stock real estate split investment type”.

  These products are set with both or either of conditions and attributes for enabling customers to trade. The conditions for enabling customers to trade (hereinafter referred to as “transaction conditions”) are, for example, the amount of financial assets necessary for trading products, The amount of financial assets required is determined. The amount of the transaction condition is compared with the amount (financial asset specifying information) input in “financial assets” of the customer information. If the amount of “financial assets” input in the customer information is equal to or greater than the amount of transaction conditions set for the product, the product extraction unit 22 extracts the product as a tradeable product. . The amount of transaction conditions set for a product can be individually set by each bank that handles the product, and can be updated as necessary.

  The attribute set for the product (hereinafter referred to as “product attribute”) is information indicating the risk associated with handling the product and the degree of dividend. Specifically, each product has an attribute of “high risk / high return”, “low risk / low return”, or “middle risk / middle return”. The attribute of the product is compared with the information (transaction intention information) entered for the “customer transaction intention” item of customer information, and the information entered for the “customer transaction intention” item A product having matching attributes is extracted by the product extraction unit 22. The attribute of the product can be individually set by each bank that handles the product, and can be updated as necessary. The merchandise extraction unit 22 may extract merchandise using only one of the amount (transaction condition) or the intention (transaction) of the financial asset, or may be extracted using both.

  Moreover, the product extraction part 22 is good also as extracting the product which can be traded based on the age of the customer contained in customer information. Specifically, a predetermined age at which transactions are not allowed is determined for each product, and the customer's age is less than or equal to a predetermined age compared to the customer's age included in the customer information The applicable product can be extracted as a tradeable product. The predetermined age can be individually set by each bank that handles products, and can be updated as needed. The product extraction unit 22 may extract a product by combining any two of a predetermined age, an amount of financial assets (transaction conditions), or a transaction intention (attribute), and extracts the product using all of them. It is good as well.

  The display control unit 18 displays the product extracted by the product extraction unit 22 on the display screen. Specifically, as shown in FIG. 7, only the name of the product extracted by the product extraction unit 22 is displayed on the display 32. FIG. 7 shows an example in which “domestic bond (government bond) investment type”, “overseas bond investment type”, and “domestic equity investment type” are extracted and displayed. As a display method of the product name, as shown in FIG. 7, only the product name extracted by the product extraction unit 22 may be displayed, and the product name part that has not been extracted may be blank or black. It is good also as making it display. Moreover, as shown in FIG. 6, it is good also as a structure which displays all the names of goods and cannot select and decide about the goods which were not extracted.

  The selection deciding unit 17 accepts a selection for determining a product for which the customer makes a transaction from among the products displayed on the display screen by the display control unit 18. Specifically, the customer selects a product displayed on the display 32 (or selectable) by the touch panel 33 or a mouse operation. Then, the input device 30 transmits the name information of the selected product to the financial product sales support device 10, and the selection determination unit 17 accepts it as the determination of the product to be traded.

  The output control unit 19, when a transaction product is determined by the selection determination unit 17, stores the name of the explanation item of the explanation content related to the financial product and the degree of understanding about the explanation item stored in the storage unit 13. Output as confirmation. As a confirmation document output method, it may be output by printing using the printer 40 or may be displayed on the display 32. The contents described in the confirmation note are described using a part of the explanation history information, for example. Here, FIG. 8 shows an example of a confirmation document output by printing. In FIG. 8, the processing date column 81 of the confirmation note 80 describes the date on which the customer made a transaction. In the customer column 82, an identification number for identifying the customer and the name of the customer are described. The person-in-charge field 83 describes the identification number and name of the person in charge of the transaction who explained the financial product. Moreover, the content regarding the transaction mentioned above is described as log information. Specifically, the time, processing contents, explanation contents, customer understanding level (answer) for the explanation contents, and the like are described. Furthermore, when the customer confirms the contents of the confirmation document, a “signature column 85” is provided to prove that the confirmation has been made. When the customer confirms the content of the confirmation note 80, the customer writes his / her name in the “signature field 85” by himself. In addition, when the confirmation document 80 is displayed on the display 32 and the content of the confirmation document 80 is confirmed, an electronic seal stamp or the like may be used instead of the signature of the handwriting.

  Further, the output control unit 18, when a transaction product is determined by the selection determination unit 17, provides electronic data in which the same content as the confirmation note 80 described above is described as a manager in charge of the transaction of the financial product, etc. It is good also as outputting (transmitting) to. At this time, it may be output simultaneously to the manager in charge and the printer 40 (or display 32). First, output to the manager and approval that the financial product transaction support apparatus 10 approves from the manager. When information is received, the information may be output to the printer 40 (display 32).

  The reading control unit 20 reads a document in which the customer has confirmed the contents of the confirmation document 80 in the output confirmation document 80 and converts the document into electronic data. Specifically, the reading control unit 20 reads a document in which the customer's signature is written in the signature column 85 of the confirmation document 80 shown in FIG. 8 using a scanner (not shown) or the like connected via a network. To electronic data. The reading of the document such as the scanner is started when the customer operates the scanner or the like. The reading of the document may be performed by the printer 40 having a scanner function. In addition, when the confirmation document 80 is displayed on the display 32 and an electronic seal stamp or the like is used instead of the signature of the handwriting, the document on which the electronic seal stamp is pressed is converted into electronic data such as PDF. And the electronic data converted into PDF etc. are linked | related with customer information, and are memorize | stored in the memory | storage part 13. FIG. Thus, electronic data such as PDF can be loaded by inputting part or all of customer information to the input device 30 or the financial product sales support device 10.

  In the above-described embodiment, the financial product sales support device 10, the plurality of input devices 30, the printer 40, and the like are connected via a network, and the information input to the input device 30 is transmitted to the financial product sales support device 10. Although the example which performs a process was demonstrated, it is good also as a structure which each input device 30 provided with the processing function which the financial product sales assistance apparatus 10 performs can be performed separately. Further, the printer may be configured to be individually connected to each input device 20.

  For the explanation items confirmed by the understanding level confirmation unit 15, an expiration date for which the understanding level confirmed by the understanding level confirmation unit 15 is valid can be set for each explanation item. Specifically, for example, an expiration date can be set for the explanation item “structure of investment trust”, such as “expiration date 3 days”. At this time, by referring to the explanation history information and the expiration date, some explanation items are explained, and later explanation items are explained to other explanation items that are not explained. After the explanation of the item is completed, the understanding level determination unit 21 can determine the customer's understanding level of the explanation of the explanation item. Specifically, for example, if all products that make up the financial product “Investment Trust” have an expiration date of 3 days, first, “Investment Trust Mechanism”, “Investment Trust Charm”, “Investment If you explain "how to choose a trust" and "the concept of investment trust risk" to confirm the level of understanding and explain the remaining other explanatory items two days after confirming the level of understanding, The degree of understanding was confirmed within the expiration date for all explanation items. Also, for example, if the expiry date of an explanation item once explained, if only the explanation item that has expired is explained again and the level of understanding is confirmed, all explanation items are within the expiry date. The level of understanding was confirmed. The above-described expiration date can be individually set by each bank that handles products, and can be updated as necessary.

  Furthermore, the gold merchandise sales support device 10 can also display the explanation item for which the explanation is finished and the explanation item for which the explanation is not finished on the display 32 by referring to the explanation history information. Specifically, for example, the display area of the display 32 is divided into two, one of the explanation items for which the explanation is not finished is displayed, and the other is the explanation item for which the explanation is finished. Further, for example, as shown in FIG. 3, the explanation items may be displayed, and the explanation item portion for which the explanation has been completed may be left blank, or the explanation item portion for which the explanation has been completed may be changed to another color.

  Further, the financial product sales support apparatus 10 can also store transaction history information related to the customer's past transactions in the storage unit 13. Specifically, the product information (product name) that the transaction was actually established, the date and time when the transaction was established, the name of the explanation item, the level of understanding about the explanation of the explanation item, the name of the person in charge of the transaction, etc. Store transaction history information. At this time, if the customer wishes to trade another product on the day after the transaction is established, it is possible to omit the explanation of the explanation item regarding the financial product by referring to the transaction history information. . Specifically, for example, a customer purchases a product “domestic bond (government bond) investment type” for a financial product “investment trust” and later purchases a product “foreign loan investment type” for a financial product “investment trust”. If desired, the financial product sales support apparatus 10 confirms the degree of understanding of the explanation of the explanation item of the transaction history information stored in the storage unit 13 and determines that the explanation of the explanation item is understood. 32 indicates that there is no need to explain the explanation item. By this. The person in charge of the transaction refers to the screen of the display 32 and can shift to the transaction without giving an explanation. Various conditions can be set as to whether or not the explanation of these explanation items can be omitted. Specifically, for example, when a certain period of time has passed since the first transaction or the most recent transaction, if the understanding level of all explanatory items has not expired, When they match, it is the case of the same transaction person, etc., and any one of them may be used, or any combination may be used.

  In the embodiment described above, the customer information is input after the financial product is selected and input and the degree of understanding of the customer's financial product is confirmed. Alternatively, it may be configured to accept selection input of financial products.

  According to the financial product sales support apparatus 10 of the above-described embodiment, the selection input unit 14 receives the selection input of the financial product, and the understanding level confirmation unit 15 understands the contents of the input explanation items regarding the financial product. Whether or not it has been made can be confirmed for each explanation item, and the storage unit 13 can store the degree of understanding for each confirmed explanation item and the name of each explanation item in association with each other. Thereby, it is possible to conduct transactions after confirming the degree of understanding of the customer's financial products. Therefore, it is possible to improve the safety of transactions of financial products.

  Further, the understanding level determination unit 21 determines whether or not all of the explanation items that are required to be understood among the explanation items confirmed by the understanding level confirmation unit 15 as being understood by the customer have been confirmed. When it is determined that the customer information input unit 16 has understood all of the explanation items that are indispensable to be understood by the understanding level determination unit 21, the customer information input unit 16 receives input of customer information of the customer, and the product extraction unit 22 extracts products that the customer can trade from among the group of products constituting the financial product based on the customer information input by the customer information input unit 16, and the display control unit 18 uses the product extraction unit 22 to The extracted product can be displayed on the display screen. Thereby, after confirming the customer's level of understanding, it is possible to provide a product that reflects the customer's age, financial assets owned, transaction intention, and the like.

  Further, the customer information input unit 16 accepts input of customer information of the customer to be traded, the selection input unit 14 accepts selection input of financial products, and the understanding level confirmation unit 15 is input by the selection input unit 14 Confirm whether or not the contents of the explanation items related to the financial product can be understood for each explanation item, and the understanding level determination unit 21 understands among the explanation items confirmed by the understanding level confirmation unit 15 that the customer can understand. Is determined for all of the explanatory items that are essential, and the product is determined to be understood by the understanding level determination unit 21 for all of the explanatory items that are essential to understand. Based on the customer information input by the customer information input unit 16, the extraction unit 22 extracts products that the customer can trade from the product group that constitutes the financial product, and the display control unit 1 But it is possible to display the items extracted by the item extracting unit 22 on the display screen. Thereby, after confirming the customer's level of understanding, it is possible to provide a product that reflects the customer's age, financial assets owned, transaction intention, and the like.

  Further, the storage unit 13 can store the understanding level for each explanation item confirmed by the understanding level confirmation unit 15 in association with the name of each explanation item. Thereby, when determining a transaction, it becomes possible to confirm the customer's level of understanding regarding the explanation of the financial product.

  Moreover, the product extraction part 22 can extract the product which a customer can trade based on the financial asset specific information which specifies a financial asset contained in customer information. As a result, it is possible to trade for a reasonable product according to the assets owned by the customer.

  Moreover, the product extraction part 22 can extract the product which a customer can trade based on the transaction intention information regarding the customer's transaction intention included in the customer information. This makes it possible to provide a product that matches the customer's intention.

  Further, the product extraction unit 22 extracts products that the customer can trade based on the financial asset specifying information that specifies the customer's financial assets and the transaction intention information related to the customer's transaction intention, which are included in the customer information. Can do. As a result, it is possible to provide a product that matches the customer's assets and matches the customer's intention to trade.

  Further, the selection determination unit 17 accepts selection of determination of a product for the customer to make a transaction from among the products displayed on the display screen by the display control unit 18, and the output control unit 19 performs the transaction by the selection determination unit 17. When the product is determined, the name of the explanation item of the explanation content related to the financial product stored in the storage unit 13 and the degree of understanding about the explanation item can be output as the confirmation note 80. This makes it possible to confirm the degree of understanding of the explanation related to the customer's financial product when the financial product is traded.

  In addition, the output control unit 19 outputs a confirmation document by printing, and the reading control unit 20 reads a document in which the customer confirms the contents of the confirmation document 80 in the output confirmation document 80 and reads the electronic document. The data can be converted into data, and the storage unit 13 can store the electronic data of the document read by the reading control unit 20 and the customer information in association with each other. Thereby, it can be confirmed that the customer has made a transaction after understanding the contents related to the explanation of the financial product, and trouble can be prevented.

It is a block diagram showing roughly an example of a financial product sales support system of an embodiment of the present invention. It is a selection screen of the financial product displayed on the display of the input device of the financial product sales support system of the embodiment of the present invention. It is a figure shown about the explanatory item displayed on the display of the input device of the financial product sales assistance system of embodiment of this invention. It is a figure shown about the item of the customer information displayed on the display of the input device of the financial product sales support system of embodiment of this invention. It is a figure which shows the input screen of the basic data displayed on the display of the input device of the financial product sales assistance system of embodiment of this invention. It is explanatory drawing shown about the product of the investment trust displayed on the display of the input device of the financial product sales support system of embodiment of this invention. It is a figure which shows the input screen which receives the determination of the goods which perform the transaction displayed on the display of the input device of the financial product sales assistance system of embodiment of this invention. It is a figure which shows an example of a confirmation note.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Financial product sales support system 10 Financial product sales support device 11 Input part 12 Control part 13 Storage part 14 Selection input part 15 Comprehension confirmation part 16 Customer information input part 17 Selection decision part 18 Display control part 19 Output control part 20 Reading control Part 21 Comprehension level determination part 22 Product extraction part

Claims (9)

A selection input means for receiving a selection input of a financial product;
Understanding level confirmation means for confirming, for each explanation item, whether or not the contents of the explanation items related to the financial product input by the selection input means have been understood;
Storage means for storing the degree of understanding for each explanation item confirmed by the degree of understanding confirmation means in association with the name of each explanation item;
A financial product sales support apparatus characterized by comprising: Further, among the explanation items confirmed as understood by the customer by the understanding level confirmation means, an understanding level judgment means for judging whether or not all of the explanation items that are required to be understood have been confirmed,
A customer information input unit that accepts input of customer information of the customer when it is determined by the understanding level determination unit that all of the explanation items that must be understood are understood;
Based on customer information input by the customer information input means, product extraction means for extracting products that the customer can trade from among a group of products that constitute the financial product;
Display control means for displaying the product extracted by the product extraction means on a display screen;
The financial product sales support apparatus according to claim 1, further comprising: A customer information input means for accepting input of customer information of a customer to trade;
A selection input means for receiving a selection input of a financial product;
Understanding level confirmation means for confirming, for each explanation item, whether or not the contents of the explanation items related to the financial product input by the selection input means have been understood;
Understanding level determination means for determining whether or not all of the explanation items that are required to be understood among the explanation items confirmed to be understood by the customer by the understanding level confirmation means,
The financial product is configured based on the customer information input by the customer information input means when it is determined by the understanding level determination means that all of the explanation items that must be understood are understood. Product extraction means for extracting products that the customer can trade from among the product group to be
Display control means for displaying the product extracted by the product extraction means on a display screen;
A financial product sales support apparatus characterized by comprising:   4. The financial product sales support apparatus according to claim 3, further comprising storage means for storing an understanding level for each explanation item confirmed by the understanding level confirmation means and a name of each explanation item in association with each other. . The customer information includes financial asset specifying information for specifying a customer's financial assets,
The product extraction means includes
5. The financial product sales support apparatus according to claim 2, wherein a product that a customer can trade is extracted based on the financial asset specifying information. The customer information includes transaction intention information related to a customer's transaction intention,
The product extraction means includes
5. The financial product sales support apparatus according to claim 2, wherein a product that a customer can trade is extracted based on the transaction intention information. The customer information includes financial asset identification information that identifies a customer's financial assets, and transaction intent information relating to a customer's transaction intention,
The product extraction means includes
5. The financial product sales support apparatus according to claim 2, wherein a product that a customer can trade is extracted based on the financial asset specifying information and the transaction intention information. Further, from the products displayed on the display screen by the display control unit, a selection determination unit that accepts selection of determination of a product on which the customer makes a transaction,
When a product to be traded is determined by the selection determining means, the name of the explanation item of the explanation content related to the financial product stored in the storage means and the degree of understanding about the explanation item are output as a confirmation document. Output control means for causing
The financial product sales support apparatus according to any one of claims 2 to 7, further comprising: The output control means outputs the confirmation by printing;
Further, the output confirmation document comprises a reading control means for reading a document in which the customer confirms the content of the confirmation document and converting it into electronic data,
The financial product sales support according to any one of claims 2 to 8, wherein the storage unit stores the electronic document data read by the read control unit and the customer information in association with each other. apparatus.

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