JP2014123278A - Financial product recommendation processing system, financial product recommendation processing method, and financial product recommendation processing program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a financial product recommendation processing system, a financial product recommendation processing method, and a financial product recommendation processing program which enable a private person to directly invest in a foreign fund.SOLUTION: A financial product recommendation processing system comprises a recommendation unit which recommends a client of a first area to directly invest in a financial product of a second area, and supports the client for procedures to directly invest in the financial product. The system is configured to: register the client information when the client performs a procedure for admission application; transmit data concerning investment in the financial product to the client when the admission application procedure is completed; select a responsible staff for giving recommendations to the client on the basis of the client information; determine a recommendation date on the basis of recommendation reservation made by the client; support the client for the investment procedures to directly invest in the financial product; and vicariously transmit documents concerning the investment procedures generated by the client to a corporation related to the financial product.

Description

  The present invention relates to a financial product advice processing system, a financial product advice processing method, and a financial product advice processing program.

  In recent years, demand for products corresponding to asset formation for retirement has increased due to anxiety factors such as raising the pension start age and reducing pension payments. Known methods for managing personal assets include deposits and savings and various financial products. Financial products include, for example, bonds, stocks, investment trusts (public and corporate bond investment trusts, stock investment trusts, real estate investment trusts), and it is also possible to make reserve investments in stocks and investment trusts. Individuals who form assets perform asset formation by purchasing, for example, bond funds or stock funds from financial institutions that handle such financial products.

  In addition, it is known that there is an overseas fund managed by an overseas fund management company as a financial product having a higher return (return on investment) than a domestic fund. Individuals who wish to purchase such overseas funds have purchased overseas funds from financial institutions that handle overseas financial products.

  A financial institution collects a sales fee corresponding to the contract amount of a domestic fund or an overseas fund from the purchaser of the fund at the time of selling the fund (see, for example, Patent Document 1). In addition, fees such as trust fees are collected from fund companies every year as a price for the management and management services of domestic funds or overseas funds, and the purchasers of funds indirectly bear fees such as trust fees. For example, in the case of bond-type funds in Japan, sales commissions are often 1% and trust fees are around 0.5%. For foreign funds denominated in foreign currencies, sales fees are 3-4% and trust fees are Most of them are about 1.5%.

JP 2010-55428 A

  However, in the past, when a foreign fund with a high return is purchased, the fees collected by the financial institution are high, so the profit that the purchaser of the fund obtains is greatly reduced. In addition, even if an individual tries to invest directly in an overseas fund to reduce various fees collected from financial institutions, the procedure cannot be done in Japanese, so it is difficult for individuals to invest directly in an overseas fund. there were.

  The present invention has been made in view of the above circumstances, and provides a financial product advice processing system, a financial product advice processing method, and a financial product advice processing program that allow an individual to directly invest in an overseas fund. It is an object.

  In order to achieve the above object, the financial product advice processing system according to one aspect of the present invention includes an advisory unit that provides advice on direct investment in financial products in the second region to customers in the first region. It is a feature.

  In the financial product advice processing system according to an aspect of the present invention, the advice unit may provide support to the customer regarding a procedure for directly investing in the financial product.

  In the financial product advice processing system according to one aspect of the present invention, a customer database that stores customer information related to the customer, a financial product database that stores financial product information related to the financial product, and a terminal used by the customer A communication unit that performs communication, and a customer response unit that performs processing based on information received from the terminal by the communication unit, wherein the customer response unit uses the terminal to apply for a membership application. When the procedure is performed, the customer information related to the customer is registered in the customer database, and after completion of the enrollment application procedure, a material related to the investment in the financial product is transmitted to the customer, and the enrollment is further performed. After completing the application procedure, select a person who advises the customer based on the customer information registered in the customer database. Information indicating the selected person in charge and information for reserving advice from the person in charge are sent to the customer, and advice based on the advice reservation made by the customer based on the sent information The date and time is determined, and the determined advice date and time is transmitted to the customer, and the advisory unit provides support for an investment procedure in which the customer directly invests in the financial product at the advice date and time based on the request of the customer. The customer response unit may perform the transmission of the document related to the investment procedure generated by the customer to the related corporation of the financial product.

  In the financial product advice processing system according to an aspect of the present invention, the customer response unit records information indicating an exchange with the customer in association with the customer information when the customer makes a reservation for advice. Accordingly, the customer information may be updated.

  In the financial product advice processing system according to one aspect of the present invention, an asset value calculation for calculating an asset value held by the customer based on information indicating a net asset value of the customer created by a related corporation of the financial product. You may make it provide a part.

  In order to achieve the above object, the financial product advice processing method according to one aspect of the present invention includes a procedure in which the advisory department provides advice on direct investment in the financial product to a customer in the first region. It is said.

  To achieve the above object, a financial product advice processing method according to an aspect of the present invention stores a customer database that stores customer information related to customers in a first region, and stores financial product information related to financial products in a second region. A financial product advice processing method in a financial product advice processing system having a financial product database and a communication unit that communicates with a terminal used by the customer, wherein the customer handling unit uses the terminal When the membership application procedure is performed, the customer information related to the customer is registered in the customer database, and the customer response unit provides the customer with the financial product after completing the membership application procedure. The procedure for transmitting materials related to investment and the customer service department are registered in the customer database after the procedure for applying for membership is completed. A procedure for selecting a person in charge of advising the customer based on the customer information, and information indicating the selected person in charge and information for reserving an advice from the person in charge. And a procedure for determining the date and time of advice based on the advice reservation made by the customer based on the transmitted information and transmitting the determined date and time of advice to the customer. A procedure in which the advisory unit provides support for an investment procedure in which the customer directly invests in the financial product to the previous term customer on the advice date and the customer response unit is generated by the customer. And a proxy for sending the document relating to the investment procedure to the affiliated corporation of the financial product.

  In order to achieve the above object, a financial product advice processing program according to one aspect of the present invention is a program for causing a computer of a financial product advice processing system to execute a program in a second region. The method is characterized in that a procedure for giving advice to the customer regarding direct investment in the financial product is executed.

  To achieve the above object, a financial product advice processing program according to an aspect of the present invention stores a customer database that stores customer information related to customers in a first region, and financial product information related to financial products in a second region. A financial product advice processing program to be executed by a computer of a financial product advice processing system having a financial product database and a communication unit that communicates with a terminal used by the customer. , When the application procedure for membership is performed using the terminal, the customer information related to the customer is registered in the customer database, and the customer response unit, after the completion of the membership application procedure, , The procedure for sending materials related to the investment in the financial products, and the customer service department has completed the procedure for the application for membership A procedure for selecting a person who advises the customer based on the customer information registered in the customer database, and the customer service department reserves information indicating the person in charge selected and advice from the person in charge. And a procedure for transmitting information to the customer, and the customer response unit determines an advice date and time based on a reservation of advice made based on the information transmitted by the customer, and the determined advice date and time A procedure for transmitting to the customer, a procedure in which the advisory department provides support for an investment procedure in which the customer directly invests in the financial product at the date and time of the advice based on the request of the customer, and the customer response The department executes a procedure of performing a proxy for transmission of an affiliated company of the financial product for the document relating to the investment procedure generated by the customer.

  According to this embodiment, an individual can directly invest in an overseas fund.

It is a schematic block diagram of the financial product advice processing system which concerns on 1st Embodiment. It is a block diagram of an example of composition of an advice company device concerning a 1st embodiment. It is an example of the information regarding the user stored in the customer database which concerns on 1st Embodiment. It is a flowchart of an example of the admission procedure process which concerns on 1st Embodiment. It is a figure of an example of the input screen of the personal information in the admission procedure which concerns on 1st Embodiment. It is a figure of an example of the input screen in the admission procedure which concerns on 1st Embodiment. It is a flowchart of an example of the process of the investment to the overseas fund which concerns on 1st Embodiment. It is a flowchart of an example of the process regarding the advice fee which concerns on 1st Embodiment. It is a flowchart of an example of the selection of the overseas fund which concerns on 2nd Embodiment, and the process of investment.

First, the outline | summary of the financial product advice processing system of embodiment in this invention is demonstrated.
In the present invention, an individual who manages assets, that is, a user of a financial product advice processing system, performs a procedure for joining an advisory company using a terminal such as a personal computer used by the user. Thereby, the user can use the financial product advice processing system. The financial product advisory processing system transmits a membership contract and a recommended investment procedure document for an overseas fund prepared and prepared in advance by the advisory company to the user who has applied for the membership. (In the following, the processing related to “Investment Procedure Documents for Overseas Funds” shall be based on the request of the user.) The financial product advice processing system provides support for the submitted documents, and the investment procedure documents for overseas funds. Assistance for creating is provided to the user via the user's terminal. The advisory company's system sends investment procedure documents for overseas funds created by users to affiliates of overseas funds. As described above, the financial product advisory processing system according to the present invention supports the preparation of investment procedure documents for overseas funds necessary for users to directly invest in overseas funds after the users have applied for membership. Providing support when users directly invest in overseas funds. As a result, users of the financial product advisory processing system can invest directly in overseas funds, so if there is a domestic or overseas financial institution that sells overseas funds between the user and overseas funds, financial Purchase fees that will be collected from the institution are not collected. As a result, a user who uses the financial product advice processing system of the present embodiment can directly invest in an overseas fund.

[First Embodiment]
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a schematic configuration diagram of a financial product advice processing system 1 according to the present embodiment. As shown in FIG. 1, the financial product advice processing system 1 includes terminals 10-1 to 10-n (n is an integer of 1 or more), a network 20, an advisory company device 30, a fund device 40, a network 50, and credits. A card company device 60 is provided.

  Terminals 10-1 to 10-n are terminals used by first to nth users (also referred to as customers) using the financial product advice processing system 1. In the following description, when the terminals 10-1 to 10-n are not specified, they are simply referred to as terminals 10. When the first to nth users are not specified, they are simply referred to as users. The terminal 10 is, for example, a PC (personal computer) having a communication function, a tablet terminal, a portable terminal, or the like. The terminal 10 is connected to the advisory company device 30 via the network 20. The terminal 10 is connected to the fund apparatus 40 via the network 20. The terminal 10 includes an input unit (not shown), an image display unit, and a voice input / output unit. Further, the terminal 10 may include a camera or the like.

The user uses the terminal 10 to apply for membership to the advisory company device 30, apply for advice regarding investment in the fund, and the like. The user uses the terminal 10 to obtain information regarding the investment in the fund from the fund device 40 via the advisory company device 30. The user exchanges information with the advisory company device 30 by using the terminal 10, for example, on a dedicated Web (World Wide Web) page or by using electronic mail. Note that the user may obtain voice advice from a person in charge determined after joining using the voice input unit of the terminal 10. Alternatively, the user may obtain voice and image advice using the camera and voice input / output unit of the terminal 10. The user creates an investment procedure document for an overseas fund based on the advice from the advisory company, and transmits the created investment procedure document for the foreign fund to the advisory company device 30 using the terminal 10.
The user uses the terminal 10 to receive a notification of completion of the investment procedure for the foreign fund from the fund device 40 or reports a report representing the net asset value (NAV (net asset value)) held by the user to the fund device 40. Receive from. The user exchanges information with the fund apparatus 40 using the terminal 10, for example, on a dedicated Web page or using e-mail.
The network 20 is, for example, an IP (Internet Protocol) network.

The advisory company device 30 is a device owned by the advisory company. The advisory company device 30 obtains the investment procedure document for the overseas fund from the fund device 40 via the network 20. The advisory company device 30 obtains information on a plurality of overseas funds, and stores the obtained information on the plurality of overseas funds in a database in the device itself.
The counseling company device 30 receives information related to the user's membership from the terminal 10 via the network 20. Here, information on membership includes information on the user who performed the membership procedure, information indicating that the membership procedure has been performed, information indicating items that the user has agreed to in the process of membership, and membership application. Information including the date and time. The counseling company device 30 stores the received information related to the membership in the database in the device itself in association with the user identifier corresponding to the user who performed the membership procedure. In addition, after receiving the information regarding the membership, the advisory company device 30 transmits the membership document and the investment procedure document for the overseas fund to the terminal 10 via the network 20.

The advisory company device 30 responds to an application for advice on investment in an overseas fund in response to an application for advice on investment in an overseas fund input from the terminal 10 via the network 20, and responds to an application for advice via the network 20. Transmit to the terminal 10. The advisory company device 30 transmits the completed investment procedure document for the foreign fund received via the network 20 to the fund device 40 via the network 20. The completed investment procedure documents for overseas funds include documents related to applications for investing in overseas funds and documents related to remittance when investing in overseas funds. Here, the documents relating to remittance when investing in an overseas fund are, for example, an agreement and application form for debiting from a credit card used by a user.
The advisory company device 30 is connected to the credit card company device 60 via the network 50. The advisory company device 30 calculates an advisory fee for each predetermined period based on the net asset price of the user, and charges the credit card company device 60 with the calculated advisory fee.

  The fund apparatus 40 is an apparatus owned by an affiliated corporation of financial products. Here, the affiliated corporations of financial products are administrative corporations (Administrators) and other corporations related to overseas funds. The fund device 40 transmits the investment procedure document for the foreign fund to the advisory company device 30 via the network 20. Further, the fund device 40 receives the completed investment procedure document for the overseas fund from the advisory company device 30 via the network 20. The fund device 40 notifies the terminal 10 via the network 20 of the notification that the application for investment in the foreign fund has been completed. The fund device 40 notifies the terminal 10 of a report representing the net asset value held by the user for each predetermined period via the network 20.

The fund device 40 is connected to the credit card company device 60 via the network 50. The fund apparatus 40 transmits an application document for debiting from the credit card included in the investment procedure document for the overseas fund to the credit card company apparatus 60 via the network 50. The fund apparatus 40 bills the credit card company apparatus 60 for a reserve amount for each predetermined period based on the received application document for debiting from the credit card.
The network 50 is, for example, an IP network. The network 50 may be the same as the network 20 or a dedicated line.

The credit card company device 60 is a device owned by a credit card company. The credit card company device 60 receives, from the advisory company device 30 via the network 50, a document relating to the withdrawal of the advice fee from the user's credit card. The credit card company device 60 deducts the amount charged from the advisory company device 30 via the network 50 from the user's credit card every predetermined day.
The credit card company device 60 receives a document relating to the withdrawal of the reserve amount from the user's credit card from the fund device 40 via the network 50. The credit card company device 60 deducts the amount charged from the fund device 40 via the network 50 from the user's credit card every predetermined day.

  FIG. 2 is a block diagram illustrating an example of the configuration of the advisory company device 30 according to the present embodiment. As shown in FIG. 2, the advice company device 30 includes a fund database 301, a customer database 302, a communication unit 303, a customer response unit 304, an advice unit 305, an asset calculation unit 306, and an advice fee calculation unit 307.

  The fund database 301 stores information on affiliates of overseas funds having the fund apparatus 40 collected by the advisory company having the advisory company apparatus 30. The fund database 301 may collect information on overseas funds via the network 20 and update the information using the collected information on overseas funds.

  The customer database 302 stores information about the first to nth users. FIG. 3 is an example of information about the user stored in the customer database 302 according to the present embodiment. As shown in FIG. 3, in the customer database 302, for example, a user identifier representing a user, an entry date, document transmission information, advice record information, consent information, and the like are stored in association with each other. For example, the customer database of the user set with the user identifier “H1” is “January 10, 2012” as the membership date, “Completed” as the document transmission information, and “Advisory record information 1” as the advice record information. ”And“ consent information 1 ”are stored in association with each other as consent information. Here, the document transmission information is information indicating whether or not the transmission of, for example, a membership document and an investment procedure document for an overseas fund has been completed. The advice record information is information indicating, for example, the date and time when advice was given to the user, the content of the advice, and the like. In addition, the consent information is information such as an item agreed upon by the user at the time of application for membership, date and time, and the like.

  The communication unit 303 receives information from the terminal 10 and the fund apparatus 40 via the network 20 and outputs the received information to the customer response unit 304, the advice unit 305, the asset calculation unit 306, and the advice fee calculation unit 307. . In addition, the communication unit 303 transmits information output by the customer response unit 304, the advice unit 305, the asset calculation unit 306, and the advice fee calculation unit 307 to the terminal 10 and the fund apparatus 40 via the network 20. Each functional unit transmits and receives information to and from the terminal 10 or the fund apparatus 40 via the network 20 via the communication unit 303. In the following description, each functional unit transmits to the terminal 10 via the network 20. Alternatively, description will be made assuming that information is transmitted to and received from the fund device 40.

  The communication unit 303 receives information from the credit card company device 60 via the network 50 and outputs the received information to the customer correspondence unit 304, the advice unit 305, the asset calculation unit 306, and the advice fee calculation unit 307. The communication unit 303 transmits information output from the customer response unit 304, the advice unit 305, the asset calculation unit 306, and the advice fee calculation unit 307 to the credit card company device 60 via the network 50. In the following description, each functional unit transmits / receives information to / from the credit card company device 60 via the communication unit 303 via the network 50. In the following description, each functional unit transmits via the network 50. A description will be given assuming that information is transmitted to and received from the credit card company device 60.

The customer handling unit 304 extracts information related to the membership from the information input from the communication unit 303, and stores the extracted information related to the membership in the customer database 302 in association with the user identifier. The customer response unit 304 transmits the membership document and the investment procedure document for the overseas fund to the terminal 10 via the network 20 in accordance with the information indicating that the membership procedure included in the membership information is performed. Alternatively, the advisory company device 30 may transmit information indicating that the admission document and the investment procedure document for the overseas fund are to be sent to the consignment shipping company.
The customer response unit 304 selects a date and time for giving advice in accordance with an application for advice on investment in an overseas fund received from the terminal 10, and transmits the date and time for giving the selected advice to the terminal 10 via the network 20. In addition, the customer response unit 304 outputs the date and time when the selected advice is given to the advice unit 305.

The customer response unit 304 transmits the document regarding the application for investment in the foreign fund included in the completed investment procedure document for the foreign fund to the fund apparatus 40 via the network 20. The customer response unit 304 transmits, to the credit card company device 60, via the network 50, the document relating to the payment at the time of investment in the foreign fund included in the completed investment procedure document for the foreign fund.
The customer response unit 304 charges the credit card company device 60 for the advice fee calculated by the advice fee calculation unit 307 every predetermined period.

The advice unit 305 provides advice on the content desired by the user read from the customer database 302 at the date when the advice read from the customer database 302 is given. For example, the advisory unit 305 provides advice on procedures for investing in overseas funds. The advice unit 305 stores the date and time of giving advice to the customer corresponding to the user identifier of the user who gave advice in the customer database 302 in association with the content of the advice.
Note that an image display unit (not shown) may be connected to the advice unit 305, and the image display unit may display information transmitted from the user terminal 10. In addition, a voice output unit (not shown) may be connected to the advice unit 305, and a person in charge selected after joining may give advice to the user using voice. In this case, the person in charge may give advice to the user while viewing the images displayed on the image display unit of the terminal 10 and the image display unit connected to the advice unit 305. Alternatively, the person in charge may give advice to the user while viewing the image received from the terminal 10 of the user by the advisory company device 30. Note that the received image is an image captured by the camera of the terminal 10. Such interaction between the user and the person in charge may be performed, for example, using a dedicated Web page assigned by the advisory company to the user after joining.

  The asset calculation unit 306 calculates the net asset price held by the user on a predetermined date, and writes the calculated net asset price held by the user in the customer database 302 in association with the user identifier. Here, the predetermined day is a day predetermined every month or year, for example, the last day of every month or the last business day of December.

  The advice fee calculation unit 307 reads the net asset price held by the user stored in the customer database 302 on a predetermined date, and calculates the advice fee based on the read net asset price. The advice fee calculation unit 307 writes the calculated advice fee in the customer database 302 in association with the user identifier. The advice fee calculation unit 307 transmits a request to withdraw the calculated advice fee to the credit card company device 60 via the network 50.

Next, an example of the process of the membership procedure will be described.
FIG. 4 is a flowchart of an example of the membership procedure process according to the present embodiment. FIG. 5 is a diagram illustrating an example of an input screen for personal information in the enrollment procedure according to the present embodiment. FIG. 6 is a diagram illustrating an example of an input screen in the membership procedure according to the present embodiment. The following example describes an example in which a user lives in Japan (first region) and invests in an overseas fund in a country or region (second region) other than Japan.

In the example shown in FIG. 5, an image 500 is an example of an image of a personal information input screen. The image 500 includes an explanation area 501, an item area 502, and an input field area 503 for the screen. In the example shown in FIG. 5, the name, address, date of birth, telephone number, e-mail address, and the like are shown as personal information input by the user.
In the example illustrated in FIG. 6, the image 510 is an example of an image of a question item screen. The image 510 includes an explanation area 511 of the screen, a question number area 512, a question content area 513, an option explanation area 514 for the question content area 513, a content check column 515, and answer content options 516 to 521. ing. For example, in FIG. 6, in question item 1, an explanation of the business performed by the investment advisory business is associated with the question content. Corresponding to Question 1, there is associated an explanation of options for selecting whether or not “I understand” the “description of work performed by the investment advisory business”. Corresponding to the question item 1, there are associated response content options 516 and 517 and a content check column 515 for selecting whether or not “I understand” the “description of work performed by the investment advisory business”. Yes.

(Step S1) The user operates the terminal 10 to access the Web page of the advisory company, and operates the terminal 10 to apply for membership. The terminal 10 transmits information on the membership input or selected by the user to the advisory company device 30 via the network 20.
For example, as shown in FIG. 5, the user operates the terminal 10 to input individual user information on the Web page. For example, as shown in FIG. 6, the user operates the terminal 10 to input an answer to the question item on the Web page.

(Step S <b> 2) The customer response unit 304 of the advisory company device 30 receives information on membership from the terminal 10 via the network 20. Next, the customer correspondence unit 304 extracts personal information and consent matters from the received information regarding the membership, and writes the extracted personal information and consent matters in the customer database and stores them. In the example shown in FIG. 6, the consent matter includes information indicating that it has been understood with respect to the explanation, such as question item 1 and question item 2.

(Step S <b> 3) The customer handling unit 304 selects a person in charge of the user and transmits the selected person in charge to the terminal 10 via the network 20. For example, the customer response unit 304 transmits an e-mail notifying the person in charge to the terminal 10. This e-mail is based on, for example, the person in charge. Here, the selected person in charge is, for example, a person in charge who gives advice to the user when the user desires advice in an oral answer.

(Step S4) The customer response unit 304 transmits the material to the terminal 10 via the network 20 in accordance with the received information regarding the membership. Note that the customer handling unit 304 may send the name and address of the user and information instructing the delivery of the material to the contractor entrusting the shipment in order to send the material. The materials to be transmitted are, for example, a membership agreement, a description of an overseas fund, and a document for investing in an overseas fund. Note that these materials may include the address of a dedicated Web page where electronic learning can be performed.

(Step S5) The user operates the terminal 10 to make a reservation for the date and time for which advice is desired in accordance with the received data and notification of determination of the person in charge. The user may make a reservation for advice desired date and time, for example, on a notified Web page, or may send it to the notified person in charge using e-mail. In addition, the user may transmit a plurality of desired advice dates and times such as a first desired date and time, a second desired date and time, and a third desired date and time. In addition, when making a reservation for advice desired date and time, the user may select or input the content for which advice is desired on the Web page or send it to the person in charge by e-mail.

(Step S6) The customer response unit 304 compares the received advice desired date and time with the schedule of the person in charge, and determines the date and time for giving advice according to the comparison result.
(Step S <b> 7) The customer handling unit 304 updates the database by causing the customer database 302 to store the contents of the advice and the date and time when the determined advice is given in association with the user identifier that gives the advice.
(Step S <b> 8) The customer response unit 304 transmits the date and time when the determined advice is given to the terminal 10 via the network 20. For example, the customer response unit 304 transmits the date and time when the determined advice is given by e-mail with the name of the person in charge. Next, the customer response unit 304 outputs a user identifier for giving advice to the advice unit 305.

(Step S <b> 9) The advice unit 305 reads from the customer database 302 the date and time of giving advice and the content for which the advice is desired, stored in association with the user identifier input from the customer handling unit 304. Next, the advice unit 305 provides advice on the content desired by the user at the read date and time. For example, the advice unit 305 may display an image on a Web page, give advice by voice, and give advice using a moving image. Alternatively, the advice unit 305 may instruct the person in charge to give advice directly from the person in charge according to the content desired by the user. Alternatively, the person in charge may directly listen to a question or request from the user and give advice on the question or request based on information displayed on the image display unit included in the advice unit 305. Here, the advice given by the advisory unit 305 in step S9 is, for example, support for a procedure for investing in an overseas fund, advice on an overseas fund, advice on a question about investment in an overseas fund, and the like.

(Step S10) The advice unit 305 writes and stores the interaction with the user performed in step S9, the content of the advice, etc. in the customer database 302 in association with the date and time of the advice and the name of the user who gave the advice. And update the database.

  Here, an example of an overseas fund recommended by the advisory company included in the material transmitted by the customer response unit 304 in step S4 will be described. The advisory unit 305 calculates, for example, how many percent or more of the expected return (return on investment) needs to be set according to the user's accumulation target amount, monthly accumulation amount, and accumulation period. The customer response unit 304 extracts an overseas fund that matches the calculated expected return from the fund database 301, and outputs information indicating the extracted overseas fund to the customer response unit 304. The customer handling unit 304 may transmit the extracted material regarding the overseas fund to the terminal 10 via the network 20.

  Alternatively, the advisory unit 305 extracts a combination model of a target accumulation amount, a monthly accumulation amount, an accumulation period, and an expected return from the fund database 301 and creates in advance. The advice unit 305 outputs the overseas fund of the combination model created in this way to the customer response unit 304. The customer response unit 304 may use the combination model overseas fund as a recommended overseas fund of the advisory company, and transmit the material regarding the recommended overseas fund to the terminal 10 via the network 20. The advisory unit 305 extracts recommended overseas funds from the fund database 301 according to the user information stored in the customer database 302, and advises the users to the extracted overseas funds. Also good.

  As an example, a case will be described in which the target accumulation amount is 100 million yen, the monthly accumulation amount is 50,000 yen, and the accumulation period is 30 years (360 months). In the case of an accumulation method with compound interest and interest, the annual interest rate required for this accumulation condition is about 10%. In this case, the accumulated principal is 18 million yen (= 50,000 yen × 360 months). The advice unit 305 may advise an overseas fund that meets the user's accumulation conditions in accordance with the user's request.

Here, the reason why the advice to the user is necessary regarding the investment procedure in the foreign fund in Step S9 will be described.
When investing in an overseas fund, the user needs to carry out the investment procedure for the affiliated company of the overseas fund. The procedure for investing in such a fund is in English or the language of the country or region where the fund company is located. Investment procedure documents are often difficult and difficult for users, and it is often difficult to understand what to fill out. For this reason, in the financial product advice processing system 1 according to the present embodiment, the advice unit 305 of the advisory company device 30 provides support for the contents written in the investment procedure document for the overseas fund, and the investment procedure document for the overseas fund. Support in writing, support for investing in overseas funds, etc. in the language used by the user. This enables the user to prepare investment procedure documents for overseas funds based on advice, unlike when the sample is simply sent. In addition, in the financial product advice processing system 1 according to the present embodiment, if the advice from the advice unit 305 is insufficient, the person in charge directly gives advice to the user by voice. You can complete the investment procedure document.

  In the example shown in FIG. 4, the example up to the first advice given after the membership is shown. However, when the user desires the advice, the advisory company device 30 repeats the processing of Step S <b> 5 to Step S <b> 10. . Further, in the second and subsequent advices, the user may use the advice based on image data, audio data, video data, etc. provided on a Web page or the like without making an advice reservation. In this case, in FIG. 4, the counseling company device 30 performs the processes of step S9 and step S10. If the answer to the user's desired advice content is not obtained with, for example, image data, audio data, or video data provided on a Web page, the user should make an advice reservation. Also good.

Next, I will explain the procedure for investing in overseas funds.
FIG. 7 is a flowchart of an example of investment processing for an overseas fund according to the present embodiment. In the example shown in FIG. 7, an example will be described in which the user invests in an overseas fund included in the material transmitted in the process of FIG. In the following example, an example of investing in an overseas fund by accumulating a fixed amount every month will be described. In addition, an example will be described in which a user invests in an overseas fund withdrawn from the user's credit card.

(Step S101) In response to the support (FIG. 4, step S9), the user fills in the investment procedure document for the overseas fund and creates the investment procedure document for the overseas fund. Next, the user transmits the prepared investment procedure document for the overseas fund from the terminal 10 to the advisory company device 30 via the network 20. Alternatively, the user creates an investment procedure document for an overseas fund on a Web page, and transmits the created investment procedure document for an overseas fund to the advisory company apparatus 30 via the network 20.

(Step S102) The customer correspondence unit 304 receives investment procedure documents for an overseas fund. Next, the customer response unit 304 confirms whether or not there is an error in the received investment procedure document for the overseas fund. When there is an error in the received investment procedure document for the overseas fund, the customer response unit 304 transmits the investment procedure document for the overseas fund to the user via the network 20 to the terminal 10.

(Step S <b> 103) If there is no error in the received investment procedure document for the overseas fund, the customer response unit 304 transmits the investment procedure document for the overseas fund to the fund device 40 via the network 50. Note that the investment procedure documents for overseas funds include the procedure documents for credit card companies to withdraw from the credit card specified by the user the amount required for monthly savings.

(Step S104) The fund apparatus 40 receives the investment procedure document for the overseas fund transmitted from the advisory company apparatus 30. Next, the fund apparatus 40 performs a procedure for investing in an overseas fund based on the received investment procedure document for an overseas fund. Next, the fund apparatus 40 sends an instruction to withdraw the accumulated money from the user's credit card via a network 50 according to the procedure document for the credit card company included in the investment procedure document for the overseas fund via the network 50. Send to credit card company device 60. Next, when the credit card company device 60 obtains the approval of the user's credit card, the fund device 40 confirms that the investment application procedure for the overseas fund is completed via the network 20 via the terminal 10 and the advisory company. Notify device 30. In addition, when transmitting the notification from the fund apparatus 40 to the terminal 10 also to the advisory company apparatus 30, you may make it obtain consent from a user beforehand. Further, the notification of completion of the investment application procedure for the foreign fund may include information on the foreign fund invested by the user.

(Step S105) Based on the notification of completion of the investment application procedure for the overseas fund transmitted from the fund apparatus 40, the customer response unit 304 uses the information indicating that the investment application procedure for the overseas fund has been completed as the user identifier. The data is written in the customer database 302 in association with the data.
(Step S106) Based on the notification of completion of the investment application procedure for the foreign fund transmitted from the fund apparatus 40, the customer handling unit 304 associates information on the foreign fund invested by the user with the user identifier. Write to 302 to update the database.
This completes the procedure for investing in overseas funds.

  In addition, in the investment in overseas funds shown in Fig. 7, users may accumulate a fixed amount in yen every month, or make a fixed amount monthly in the currency unit used by affiliates of overseas funds. May be.

Next, the processing procedure regarding the advice fee will be described.
FIG. 8 is a flowchart of an example of processing related to the advice fee according to the present embodiment. In the following example, an example in which the advisory company device 30 withdraws the advice fee from the user's credit card once a year will be described.

(Step S201) The asset calculation unit 306 refers to the report of the net asset price held by the user created by the fund device 40. The asset calculation unit 306 refers to a report of the net asset price held by the user on, for example, a dedicated Web page prepared in advance by the fund apparatus 40 after obtaining the consent of the user. Note that the asset calculation unit 306 may calculate the net asset price held by the user based on the return results and the accumulated results of the overseas funds invested by the user. The asset calculation unit 306 writes the net asset price held by the user in the customer database 302 in association with the user identifier. The asset calculation unit 306 performs the process of step S201, for example, on a predetermined day every month.

(Step S202) The advice fee calculation unit 307 reads the net asset price held by the user from the customer database 302 on a predetermined date. Here, the predetermined date is, for example, the 10th day of January. Next, the annual advice fee is calculated using the report of the net asset price held by the user read out by the advice fee calculation unit 307. The annual advice fee is, for example, a predetermined rate with respect to the net asset price held by the user.

(Step S203) The advice fee calculation unit 307 outputs an instruction to charge the calculated annual advice fee to the customer response unit 304. Next, the customer response unit 304 transmits information indicating an annual advice fee to the terminal 10 via the network 20.

(Step S <b> 204) The customer response unit 304 transmits an instruction to withdraw the annual advice fee to the credit card company device 60 via the network 50. The credit card company device 60 deducts the annual advice fee from the user's credit card in response to the instruction to withdraw the annual advice fee transmitted from the advisory company device 30.
This completes the processing related to the advice fee.

  In the present embodiment, as described above, the annual advisory fee is deducted from the user's credit card instead of deducting the advisory fee from the net assets held by the users managed by the affiliates of the overseas fund. As a result, the net assets held by the users being managed are not reduced by the withdrawal of the advisory fee, so that the user's assets can be managed more efficiently.

As described above, the financial product advice processing system 1 according to the present embodiment includes the adviser 305 that provides the customer in the first region with advice regarding direct investment in the financial product in the second region.
Thereby, the user can directly invest in an overseas fund by the advice given by the financial product advice processing system 1. Users can invest directly in foreign funds with advice, so if there is a domestic or overseas financial institution that sells foreign funds between the user and the overseas fund, it will be collected from the financial institution. Various commissions such as purchase commissions can be reduced.

In the financial product advice processing system 1 according to the present embodiment, the advice unit 305 provides support to the customer regarding the procedure for the customer to directly invest in the financial product.
Thereby, the user can perform the procedure for investing directly in the foreign fund by himself / herself with the support provided by the financial product advice processing system 1.

Further, the financial product advice processing system 1 according to the present embodiment uses a customer database 302 that stores customer information related to customers, a financial product database (fund database 301) that stores financial product information related to financial products, and a customer uses. A communication unit 303 that communicates with the terminal 10 and a customer response unit 304 that performs processing based on information received from the terminal 10 by the communication unit 303. The customer response unit 304 uses the terminal 10 as a customer. When the application process is completed, the customer information related to the customer is registered in the customer database 302. After the application process is completed, the customer is sent materials related to the investment in financial products. A person who advises the customer based on the customer information registered in the customer database 302 after the procedure is completed. Select and send information indicating the selected person in charge and information for reserving advice from the person in charge to the customer, and determine the date and time of advice based on the advice reservation made based on the information sent by the customer The adviser 305 sends the determined advice date and time to the customer, and the adviser 305 provides support to the customer based on the customer's request for the investment procedure in which the customer directly invests in the financial product. Act on behalf of sending financial products to affiliated corporations for investment procedures generated by customers.
As a result, the user can carry out the investment procedure for the foreign fund with advice by himself / herself, in the same way as when the foreign fund is purchased and invested directly.

In this embodiment, an example in which a user lives in Japan (first region) and invests in an overseas fund in a country or region other than Japan (second region) has been described, but the present invention is not limited to this. . For example, in order to invest in an overseas fund in the country or region in which the user resides, the advisory company device 30 advises by obtaining investment procedure documents, and further provides support for investment procedures. Good.
Also, in the present embodiment, an example is described in which an investment procedure document for an overseas fund created by a user is transmitted to the advisory company device 30, and the advisory company device 30 transmits an investment procedure document for an overseas fund to the fund device 40. However, it is not limited to this. You may make it transmit the investment procedure document to an overseas fund directly to the fund apparatus 40 via the network 20 from the terminal 10 which a user uses. Even in this case, the advisory unit 305 may provide support regarding investment procedure documents for an overseas fund and advice on a method for transmitting investment procedure documents to an overseas fund.

  Moreover, although the advice part 305 of the advisory company apparatus 30 demonstrated the example which performs advice when there exists a reservation application for advice from a user's terminal 10 in this embodiment, it is not restricted to this. For example, when the adviser 305 suddenly changes the financial situation or changes in the overseas fund invested by the user, the advice unit 305 transmits a notification informing the user that such a change has occurred to the terminal 10. You may do it.

[Second Embodiment]
In the first embodiment, an example has been described in which materials of an overseas fund recommended by the advisory company device 30 and documents of investment procedures are transmitted to the user. Some users may wish to use a fund other than the overseas fund recommended by the advisory company device 30. In addition, depending on the financial situation, the user may wish to switch the invested overseas fund. In the present embodiment, an example will be described in which a user advises regarding an overseas fund desired.
The configuration of the financial product advice processing system 1 and the configuration of the advice company device 30 are the same as those in the first embodiment.

  FIG. 9 is a flowchart of an example of overseas fund selection and investment processing according to the present embodiment.

(Step S301) The user operates the terminal 10 to make a reservation for the date and time for which advice is desired.
(Step S302) The customer response unit 304 compares the received advice desired date and time with the schedule of the person in charge, and determines the date and time for giving advice according to the comparison result. The customer handling unit 304 updates the database by storing the advice content and the date and time of the decided advice in the customer database 302 in association with the user identifier of the user to whom the advice is given.
(Step S303) The customer response unit 304 transmits the date and time when the determined advice is given to the terminal 10 via the network 20. Next, the customer response unit 304 outputs a user identifier for giving advice to the advice unit 305.

(Step S <b> 304) The advice unit 305 reads from the customer database 302 the date and time of giving advice and the content for which the advice is desired, stored in association with the user identifier input from the customer response unit 304. Next, the advice unit 305 gives advice on an overseas fund that meets the user's wishes at the read date and time.
(Step S305) The user operates the terminal 10 via the network 20 to select an overseas fund to invest based on the advice given by the advice unit 305.

(Step S306) The advice unit 305 writes and stores the interaction with the user performed in step S305, the content of the advice, etc. in the customer database 302 in association with the date and time of the advice and the user identifier that provided the advice. And update the database.
(Step S307) The customer response unit 304 transmits the investment procedure document for the overseas fund selected by the user to the terminal 10 via the network 20.
(Step S308) After receiving the investment procedure document for the overseas fund, the user operates the terminal 10 to make an advice reservation. The user creates an investment procedure document for an overseas fund in accordance with the advice from the advisory unit 305.

Hereinafter, the advisory company device 30 performs the processes of steps S309 to S314 in the same manner as steps S101 to S106.
This completes the selection of overseas funds and the processing of investments.

  As described above, in the financial product advice processing system 1 according to the present embodiment, advice on investment procedures in an overseas fund according to the user's wishes is given, and the user selects an overseas fund to invest based on this advice. You can choose. In addition, in the financial product advice processing system 1 according to the present embodiment, the user directly invests in a desired overseas fund based on this advice in order to give advice on the investment procedure for the overseas fund selected by the user. be able to.

  In the present embodiment, as shown in FIG. 9, the example in which the user selects an overseas fund to invest based on the advice provided by the advice unit 305 in step S304 has been described, but the present invention is not limited thereto. . Based on the advice made in step S304, the user may make a request to the advisory company apparatus 30 to send the material of the overseas fund that he / she wants to consider investing. The customer response unit 304 and the advice unit 305 may give advice to the materials of the overseas fund sent to the user in response to the sending request. And according to the advice of the advice part 305, you may make it select the overseas fund to invest from the received data. In this way, the timing of selecting an overseas fund to invest may be after receiving advice several times.

  In the first and second embodiments, one example of the fund device 40 (see FIG. 1) is shown, but the present invention is not limited to this. The fund device 40 may be a number corresponding to the number of affiliated corporations of a plurality of overseas funds that the advisory company device 30 can advise the user. As an example, the customer response unit 304 sends investment procedure documents for overseas funds such as affiliates of two overseas funds to the user. Next, the user is advised on the received investment procedure documents for the two foreign funds, and prepares investment procedure documents for the two foreign funds. The user transmits the created investment procedure documents for the two foreign funds to the advisory company apparatus 30. The customer handling unit 304 may transmit the received investment procedure documents for the two foreign funds to the fund device 40 such as a related corporation of the corresponding foreign fund. In this case, a report relating to the net asset price held by the user is transmitted to the user terminal 10 from the fund apparatus 40 such as a related corporation of a plurality of overseas funds.

  In the first and second embodiments, an example is shown in which the investment cost to the overseas fund paid by the user and the annual advice fee are withdrawn from the credit card. However, the present invention is not limited to this. For example, you may make it withdraw from the account of the financial institution which the user is using. In this case, the customer service unit 304 may transmit the withdrawal procedure document from the account of the financial institution to the user terminal 10 together with the investment procedure document for the overseas fund.

In the first and second embodiments, the example in which the advisory company device 30 transmits the investment procedure document for the foreign fund to the terminal 10 via the network 20 has been described, but the present invention is not limited to this. For example, the advisory company device 30 may transmit an instruction to send the investment procedure document for the foreign fund to the user to the selected person in charge. By this instruction, the person in charge can send the investment procedure document for the foreign fund to the user.
In addition, the user may send the prepared investment procedure document for the overseas fund to the advisory company, instead of sending the prepared investment procedure document for the overseas fund to the terminal 10 via the network 20. Good.

  In the first and second embodiments, the example in which the advisory company device 30 transmits the investment procedure document for the foreign fund received from the terminal 10 via the network 20 to the fund device 40 via the network 20 has been described. However, it is not limited to this. For example, the advisory company device 30 may transmit an instruction to ship the investment procedure document for the overseas fund to the affiliated company of the corresponding overseas fund to the person in charge. By this instruction, the person in charge can send the investment procedure document for the overseas fund to the affiliated corporation of the corresponding overseas fund.

In the first and second embodiments, the fund apparatus 40 sends a notification of completion of investment application to an overseas fund, a report of a net asset price held by a user, etc. via the network 20 to the terminal 10 and the advisory company apparatus 30. Although the example of transmitting to is shown, these notifications and reports may be sent out.
Documents may also be sent between the advisory company device 30 and the credit card company device 60. Similarly, the fund device 40 and the credit card company device 60 may send out documents and the like.
As described above, the document to be shipped may be printed on paper or recorded on a medium such as an optical disk.

  In the first and second embodiments, the example in which the advice fee is withdrawn separately from the net assets held by the user has been described. However, the present invention is not limited to this. The financial product advice processing system 1 according to the embodiment may withdraw the advice fee from the net assets held by the user. In this case, the advice fee may be calculated on the advice company device 30 side or on the fund device 40 side.

  It should be noted that a program for realizing the function of the advisory company device 30 in the present invention is recorded on a computer-readable recording medium, and the program recorded on the recording medium is read into a computer system and executed, thereby executing the advisory company. The device 30 may be controlled. The “computer system” here includes an OS and hardware such as peripheral devices. The “computer system” includes a WWW system having a homepage providing environment (or display environment). The “computer-readable recording medium” refers to a storage device such as a portable medium such as a flexible disk, a magneto-optical disk, a ROM, and a CD-ROM, and a hard disk built in the computer system. Further, the “computer-readable recording medium” refers to a volatile memory (RAM) in a computer system that becomes a server or a client when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, those holding programs for a certain period of time are also included.

  The program may be transmitted from a computer system storing the program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the “transmission medium” for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line. The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, what is called a difference file (difference program) may be sufficient.

DESCRIPTION OF SYMBOLS 1 ... Financial product advice processing system, 10 ... Terminal, 20 ... Network, 30 ... Advisory company apparatus, 40 ... Fund apparatus, 50 ... Network, 60 ... Credit card company apparatus, 301 ... Fund database, 302 ... Customer database, 303 ... Communication unit 304 ... Customer response unit 305 ... Advisory unit 306 ... Asset calculation unit 307 ... Advisory fee calculation unit

Claims (9)

A financial product advice processing system, comprising: an advisory unit that provides advice to a customer in a first region regarding direct investment in a financial product in a second region. The advisory department
The financial product advice processing system according to claim 1, wherein support for a procedure for the customer to directly invest in the financial product is provided to the previous term customer based on the request of the customer. A customer database for storing customer information about the customer;
A financial product database for storing financial product information on the financial product;
A communication unit for communicating with a terminal used by the customer;
Based on information received from the terminal by the communication unit, a customer response unit that performs processing,
With
The customer service department
When the customer has applied for membership using the terminal, the customer information regarding the customer is registered in the customer database,
After completion of the membership application procedure, send materials related to the investment in the financial products to the customer,
In addition, after completing the application procedure, select a person who advises the customer based on the customer information registered in the customer database,
Sending information indicating the selected person in charge and information for reserving advice from the person in charge to the customer;
Based on the advice reservation made by the customer based on the transmitted information, the date and time of advice is determined, and the determined date and time of advice is transmitted to the customer;
The advisory department
At the advice date and time, the customer provides support for the investment procedure for direct investment by the customer in the financial product based on the request of the customer.
The customer service department
The financial product advice processing system according to claim 1 or 2, wherein a document related to the investment procedure generated by the customer is sent to an affiliated corporation of the financial product. The customer service department
4. The financial product according to claim 3, wherein when the customer makes a reservation for advice, the customer information is updated by recording information indicating an exchange with the customer in association with the customer information. Advice processing system. The asset value calculation part which calculates the asset value which the said customer holds based on the information which shows the net asset value of the said customer which the related corporation of the said financial product created is provided. The financial product advice processing system according to any one of the above items. A financial product advice processing method, wherein the advisory department includes a procedure for giving advice to a customer in a first region regarding direct investment in a financial product in a second region. A customer database for storing customer information relating to customers in the first region, a financial product database for storing financial product information relating to financial products in the second region, and a communication unit for communicating with a terminal used by the customer. A financial product advice processing method in a financial product advice processing system having:
A procedure for registering the customer information related to the customer in the customer database when the customer has performed a membership application procedure using the terminal;
A procedure in which the customer service department sends a document on investment in the financial product to the customer after completion of the membership application procedure;
A step of selecting a person who advises the customer based on the customer information registered in the customer database after the customer application department completes the procedure of the application for membership;
A procedure in which the customer response unit transmits information indicating the selected person in charge and information for reserving advice from the person in charge to the customer;
A procedure for determining the date and time of advice based on a reservation for advice made by the customer based on the transmitted information, and transmitting the determined date and time of advice to the customer;
A procedure in which the advisory department provides support for an investment procedure in which the customer directly invests in the financial product to the customer in the previous term based on the request of the customer at the date of advice;
The customer service department
A procedure for acting as a proxy for transmitting the financial product to an affiliated corporation, the document relating to the investment procedure generated by the customer;
A method for processing financial product advice, comprising: A financial product advice processing program to be executed by a computer of a financial product advice processing system,
A financial product advice processing program for causing a customer in a first region to execute a procedure for giving the customer advice on direct investment in a financial product in a second region. A customer database for storing customer information relating to customers in the first region, a financial product database for storing financial product information relating to financial products in the second region, and a communication unit for communicating with a terminal used by the customer. A financial product advice processing program to be executed by a computer of a financial product advice processing system having:
A procedure for registering the customer information related to the customer in the customer database when the customer has performed a membership application procedure using the terminal;
A procedure in which the customer service department sends a document on investment in the financial product to the customer after completion of the membership application procedure;
A step of selecting a person who advises the customer based on the customer information registered in the customer database after the customer application department completes the procedure of the application for membership;
A procedure in which the customer response unit transmits information indicating the selected person in charge and information for reserving advice from the person in charge to the customer;
A procedure for determining the date and time of advice based on a reservation for advice made by the customer based on the transmitted information, and transmitting the determined date and time of advice to the customer;
A procedure in which the advisory department provides support for an investment procedure in which the customer directly invests in the financial product to the customer in the previous term based on the request of the customer,
The customer service department
A document for the investment procedure generated by the customer, a procedure for performing transmission of an affiliated corporation of the financial product,
A financial product advice processing program to execute

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