JP2016192019A - Information processing system and data structure - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily classify customers according to whether there are other people in the customer's household and what is the relation with the other people.SOLUTION: An information processing system comprises: a customer database recording customer data including a first name comprising the family name or the family name and given name of a customer and information indicating the address of the customer; a resident database recording resident data, i.e. information including information indicating an address and a second name comprising the family name or the family name and given name of a person associated with the address; and a housemate estimation unit that associates customer data with resident data from information indicating the address of a customer recorded in the customer database and information indicating the address of the customer recorded in the resident database, and estimates that the customer belongs to a household with other people living together if the family names of the first name in the associated customer data and the second name in the resident data accord partially.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a technique for classifying a plurality of customers.

  With the development of networks such as the Internet, financial transactions such as transfer procedures, purchase of investment trusts, and application for various loans are widely performed between customers and financial institutions via the network. Provide customers with financial transactions through such networks with information that meets their preferences and needs in order to promote sales of new financial products such as mortgages, investment trusts, and various insurances. There is a request to do. In order to respond to such a request, the information providing system of Patent Document 1 provides useful information related to real estate acquisition, analyzes access logs to such information, classifies customers, and meets the needs of the classified customers. Provide matching information via email.

JP 2001-350906 PR

  In the information providing system of Patent Document 1, the customers are merely classified based on the needs of the customers themselves, whether there is a living household living in the same address as the customer, the relationship between the living household and the customer, Customers are not categorized based on the status of assets owned by the entire household, including those living together. Therefore, potential needs based on the relationship between the customer and the living household, for example, in the case where two households of an elderly parent household and the household of the child live together, the potential inheritance tax from the parent-child relationship There was a problem that it was not possible to conduct sales activities for products that met the needs of countermeasures and products that matched the assets of customers and households living together. In general, the number of customers who conduct financial transactions via the network is enormous. Therefore, it is not possible to visit each customer for the purpose of identifying the existence of a cohabiting household, the relationship between the customer and the cohabiting household, and the status of assets ,It's not easy. For this reason, the technique which classifies a customer easily according to the presence or absence of a living household and the relationship with a living household (same living person) was desired. In addition, there has been a demand for a technology that easily classifies customers according to the status of assets held by the entire household, including those living together.

  The above-mentioned problem is common not only to financial transactions but also to any commercial transaction that can be performed via a network. In addition to the above-described problems, conventional information processing systems have been desired to improve usability, improve processing speed, reduce size, reduce costs, and the like.

  SUMMARY An advantage of some aspects of the invention is to solve at least a part of the problems described above, and the invention can be implemented as the following forms or application examples.

  (1) According to an aspect of the present invention, an information processing system is provided. The information processing system includes: a customer database that records customer data that is information including: a first name including a customer's name or name; and information indicating the customer's address; information indicating an address; A resident database that records resident data that is information including the name of the associated person or a second name consisting of the name, and information that indicates the address of the customer in the customer data recorded in the customer database; The customer data and the resident data are associated with each other from the information indicating the address of the person in the resident data recorded in the resident database, and the first name of the associated customer data and the residence If the person in the second name of the person data matches in part, the customer is assumed to belong to a cohabiting household living with a different person That a housemate estimation unit; equipped with a. According to the information processing system of this aspect, customer data and resident data are associated with each other based on information indicating the customer's address recorded in the customer database and information indicating the person's address in the resident data. If the first name of the customer data and the second name of the resident data partially match, the customer is assumed to belong to the same household living with a different person, so the same living at each address Customers can be appropriately classified according to the presence or absence of households (cohabitants) and the relationship between the customers and the households (cohabitants).

  (2) In the information processing system of the above aspect, when the occupant estimation unit associates a plurality of the second names of the resident data with the customer data, the customer is living with a different person. It may be presumed to belong to the same household. According to the information processing system of this aspect, when a plurality of second names of resident data are associated with customer data, it is estimated that the customer belongs to a living household living with a different person. The case where a plurality of second names of resident data are associated with customer data, that is, there is a high possibility that another person different from the customer resides in the address. According to the form of the information processing system, it can be accurately estimated that the customer belongs to the household living together.

  (3) In the information processing system of the above aspect, the customer database further records a transaction amount in a commercial transaction by the customer; the resident database includes information indicating an area of a building existing at the address, The customer whose transaction amount recorded in the customer database is greater than or equal to a predetermined amount, and the customer whose transaction amount is less than the predetermined amount and associated with the customer It may be estimated that a customer whose area of the data exists in the address of the data is a wealthy household representing a wealthy household. A customer whose transaction amount is a predetermined amount or more and a customer whose transaction amount is less than a predetermined amount and whose area of the building existing at the address of the resident data associated with the customer is a predetermined area or more are: There is a high possibility of being a wealthy household. Therefore, according to the information processing system of this embodiment, it is possible to accurately estimate wealthy households.

  (4) The information processing system of the above aspect may include a target customer specifying unit that specifies, as a target customer, a customer estimated by both the housemate estimation unit and the wealthy layer estimation unit. According to this form of the information processing system, customers belonging to households that are cohabiting households and wealthy households can be accurately identified as target customers.

  (5) In the information processing system of the above aspect, the customer database records a plurality of customer data relating to the different customers; the resident database records a plurality of the resident data respectively. Among the plurality of customers estimated to belong to the same household by the occupant estimation unit, the first name and the second name at least partially coincide with each other, the first name and the first You may provide the customer classification | category part which classify | categorizes the customer which two names do not correspond at all into a mutually different group. According to this form of the information processing system, customers can be classified in consideration of the relationship between the customer at the same address and the household living together (cohabitant). That is, it is possible to classify customers estimated to have similar relationships between customers at the same address and living households into the same group, and to classify customers estimated to have similar relationships to different groups. Customers whose first name and second name match at least in part can be classified into a group in which there is a high possibility that a plurality of generations such as a family of the same Mr. In addition, for example, customers whose first name and second name do not match at all can be classified into a group in which there is a high possibility that different family members, for example, a parent family and a daughter-in-law family are living together.

  (6) In the information processing system of the above aspect, the first name is made up of a person's full name or name; the second name is made up of a plurality of person's names or names; As two names, the names or names of the plurality of persons are recorded so that the priorities set in advance are clarified; and the customer classification unit includes the first name, the second name, Is set in advance to the names or names of persons who match at least part of the first name among the names or names of the plurality of persons constituting the second name, Customers with the same priority may be classified into the same group, and customers with different priorities may be classified into different groups. According to the information processing system of this aspect, the customers whose priority order preset in the name or name of the person who matches at least in part with the first name is classified into the same group, and the priority order is mutually different. Since different customers are classified into different groups, customers who have a high priority among the people living at the address (for example, parents) are likely to be householders at the address, and those who live at the address. Among them, customers (for example, children) having a low priority can be classified into different groups from customers who are highly likely to be householders at the address.

  (7) In the information processing system of the above aspect, a map data generation unit that generates map data indicating a map including information indicating the classification result based on the resident database and the classification result by the customer classification unit; And a display unit for displaying the map based on map data. According to this form of the information processing system, a map including information indicating the classification result of the customer is displayed. Therefore, on the map, the household composition of each customer, the relationship between the customer and the household living together (the person living together), etc. Can be easily identified.

  (8) In the information processing system of the above aspect, the second name may be a name or a name described on a nameplate existing at an address. According to this form of the information processing system, since the second name is the name or name described on the nameplate existing at the address, the name or name of the person living at the address can be accurately specified. For this reason, customer classification can be performed with high accuracy.

  (9) According to another aspect of the invention, a data structure is provided. The data structure includes a classification of the customer according to at least one of information indicating whether the customer belongs to a cohabiting household living with a different person and the relationship between the customer and the different person. A customer that is information including a first name consisting of the customer's name and name, and information indicating the customer's address. Based on both data; resident data, which is information including: information indicating an address; and a second name composed of the name or name of a person associated with the address; It is the result obtained by classifying into any group. According to the data structure of this form, customer data that is information including the first name consisting of the customer's name or name and information indicating the customer's address, the information indicating the address, and the person associated with the address Based on both the resident data including the second name consisting of the full name or the full name, the classification result obtained by classifying into any one of a plurality of groups, the full name or the full name of the customer Therefore, by using this data structure, it is possible to easily specify the presence / absence of a cohabiting household (cohabitant) and the relationship between the cohabitant household (cohabitant) and the customer.

  The present invention can be realized in various forms other than the information processing system and the data structure. For example, it can be realized in the form of a customer management system, a sales support system, a map display system, a customer classification device, a sales target extraction device, a customer classification method, a data structure adjustment method, a map display method, and the like.

It is explanatory drawing which shows the structure of the information processing system as one Embodiment of this invention. Explanatory drawing which shows an example of the information set to the housing map attribute database 21a shown in FIG. Explanatory drawing which shows an example of the information set to the financial institution customer database 122 shown in FIG. The flowchart which shows the procedure of the customer classification | category process of this embodiment. The flowchart which shows the procedure of a customer asset determination process. The 1st flowchart which shows the procedure of the living-household determination process in this embodiment. The 2nd flowchart which shows the procedure of the living-household determination process in this embodiment. The 3rd flowchart which shows the procedure of the living-household determination process in this embodiment. The 4th flowchart which shows the procedure of the living-household determination process in this embodiment. The flowchart which shows the procedure of the map display process in this embodiment. Explanatory drawing which shows an example of the map displayed on the smart phone 200 by step S320. The flowchart which shows the procedure of the business time determination process in a modification.

A. Embodiment:
A-1. System configuration:
FIG. 1 is an explanatory diagram showing a configuration of an information processing system as an embodiment of the present invention. An information processing system 10 according to the present embodiment includes an information processing apparatus 100 and a smartphone 200 as a terminal apparatus, and manages customers who perform financial transactions. The information processing apparatus 100 and the smartphone 200 are connected to each other via the Internet INT and a network of a communication carrier connected to the Internet INT. Note that FIG. 1 illustrates a base station BS which is a part of a network of a telecommunications carrier. The information processing apparatus 100 is installed in a server room or the like of a financial institution, and the smartphone 200 is held by an employee of the financial institution, for example, a sales representative. The information processing apparatus 100 executes customer classification processing described later to classify a plurality of customers, and executes map display processing described later to generate map data and transmit it to the smartphone 200. As will be described in detail later, the classification result of the customer is reflected in the map data, and the smartphone 200 displays a map 250 based on the map data. Therefore, employees of financial institutions can conduct business activities with reference to the map 250 displayed on the smartphone 200.

  The information processing apparatus 100 includes a server device, and includes a control unit 110, a storage unit 120, and a communication unit 130. The control unit 110 includes a CPU (Central Processing Unit), a ROM (Read Only Memory), and a RAM (Random Access Memory) (not shown), and the CPU executes a control program stored in the ROM, It functions as a customer classification unit 111 and a map data generation unit 115. The customer classification unit 111 includes a customer asset determination unit 112 and a living household determination unit 113, and executes a customer classification process described later. Detailed processing contents executed by the customer asset determination unit 112 and the living-household determination unit 113 will be described in a customer classification process described later. The customer asset determination unit 112 corresponds to a subordinate concept of the wealthy layer estimation unit in the claims. The living-household determination unit 113 corresponds to a subordinate concept of the living-person estimation unit in the claims. The map data generation unit 115 generates map data and transmits it to the smartphone 200 in response to a request from the smartphone 200.

  The memory | storage part 120 is comprised by the hard disk and has memorize | stored the house map database 121, the financial institution customer database 122, and the route price database 123 previously. The house map database 121 stores in advance a house map attribute database 21a and a feature database 21b for storing feature data. Feature data is polygon data for drawing features (roads, buildings, etc.). In addition to the coordinates of the vertices of the polygon, various attribute data such as names (location names, building names, etc.) and colors are included. Including. The home map attribute data is associated with the polygon data for drawing the building. Note that the storage unit 120 may be configured by other arbitrary storage devices such as a flash memory and an EEPROM instead of the hard disk.

  FIG. 2 is an explanatory diagram showing an example of information set in the house map attribute database 21a shown in FIG. The house map attribute database 21a is set with a total of four fields: number, nameplate name, address name, and building area. The number field indicates the identification number of the record in the house map attribute database 21a. FIG. 2 illustrates a total of nine records from the first record (No. 1) to the ninth record (No. 9). In addition, the housing map attribute database 21a is not limited to nine, and any two or more records may be recorded. Moreover, the coordinate which an address name represents may be set instead of the address name in the house map attribute database 21a. In this case, the coordinates represented by the address name are, for example, the center coordinates of polygon data for drawing a building corresponding to the address name.

  The nameplate name field indicates the name or name written on the nameplate existing at the address indicated by the address name field. Such information can be acquired, for example, by visiting each address in advance. The name written on the nameplate varies depending on the household composition at the address and the intention of the nameplate creator. For example, in the case where one household lives at the target address, the name of the head of the household or the name of the head of the household may be described. For example, “Mr AAA” in the address A of the first record, “Mr BBB name bb1” in the address B of the second record, and the like are applicable. In addition, when there are two households residing at the target address, the name or the name of the head of each household may be written together. For example, “Mr. CCC name cc1” in the address C of the third record corresponds to “Mr. CCC name cc2” in the address C of the fourth record. As can be understood from the third and fourth records, records are registered in the house map attribute database 21a for each name or name described on the nameplate. When there are a plurality of households residing at the target address, a housemate flag indicating that a housemate exists in each record may be set. In this embodiment, when a plurality of names or names are listed on the nameplate of the same address, a record of names or names that are estimated to have a higher priority is registered as a record with a higher number. However, by registering a record of a name or name that is estimated to be lower in priority as a record with a later number, it is recorded so that the level of priority between these two records becomes clear . For example, among the two names “Mr. CCC name cc1” and “Mr. CCC name cc2” written on the nameplate existing at the address C, the record of the name “Mr. CCC name cc1” is the earlier number. This name means that the priority is higher. For example, if two names or names are listed on the nameplate, the parent name or name has a higher priority and the child name or name has a lower priority. An example can be given. Such priority is estimated based on, for example, the size of characters of names or names on the nameplate, description positions, description order, and the like. Specifically, on the nameplate, the name or name listed in a larger letter, the name or name listed on the far left, and the name or name listed above are identified as having high priority. May be. Further, the priority may be specified by acquiring information that can specify the priority from the outside. The operator may set the priority. The name or name set in the nameplate name field in the house map attribute database 21a corresponds to a subordinate concept of the second name in the claims. A plurality of names or names associated with the same address also correspond to the subordinate concept of the second name. For example, a total of two names of “Mr. CCC name cc1” and “Mr. CCC name cc2” associated with the address C correspond to the subordinate concept of the second name in the claims.

  The address name field indicates the name of the address, for example, “● ● prefecture ● ● city ● ● town ● chome ● number”. The building area field indicates the area of the building existing at the corresponding address. Specifically, the area of the building indicates the area of a polygon for drawing the building associated with each record. The house map attribute data may include building floor data (not shown). In such a case, a value obtained by multiplying the area of a polygon for drawing a building by the building floor may be used as the building area. In FIG. 2, for convenience of explanation, schematic names are used as the nameplate name and the address name. Each record in the house map attribute database 21a is set in advance by an administrator or the like. The house map attribute database 21a corresponds to a subordinate concept of the resident database in the claims. In the present embodiment, the building area is stored in advance in the building area field of the house map attribute database 21a, but the customer asset determination unit 112 described later refers to polygon data for drawing the building in the feature database 21b. The building area may be calculated.

  FIG. 3 is an explanatory diagram showing an example of information set in the financial institution customer database 122 shown in FIG. In the financial institution customer database 122, a total of five fields of number, customer name, address name, age, and transaction amount are set. The number field indicates the identification number of the record in the financial institution customer database 122. FIG. 3 illustrates a total of six records from the first record (No. 1) to the sixth record (No. 6). Note that the financial institution customer database 122 is not limited to six, and an arbitrary number of two or more records may be recorded.

  The customer name field indicates the name of the customer of the financial institution. The address name field indicates the name of the customer's address. The age field indicates the age of the customer. The transaction amount field indicates the total amount of the customer's financial transaction. In the information processing apparatus 100, when a customer newly applies for a financial transaction, a new record is added to the financial institution customer database 122. At this time, the name, address, and age of the customer that the customer has notified to the financial institution when applying for the transaction are registered in the newly added record. In general, it is estimated that only one of the households living at the same address conducts financial transactions. Therefore, as shown in FIG. 3, only one type of customer name can be registered at the same address. In addition, when applying for a transaction, not only the customer's name but also the name is required. Therefore, unlike the nameplate name field of the house map attribute database 21a shown in FIG. 2, both the name and the name are registered in the customer name field of the financial institution customer database 122. The value in the transaction amount field is overwritten each time a financial transaction is executed. The name registered in the customer name field corresponds to a subordinate concept of the first name in the claims. In the address name field, coordinates representing the customer's address name may be set instead of the name of the customer's address. In this case, the coordinates represented by the customer's address name may be specified, for example, in a map database owned by a financial institution.

  The communication unit 130 shown in FIG. 1 communicates with the smartphone 200 via the Internet INT and a network of a communication carrier (not shown) including the base station BS.

  The smartphone 200 includes a control unit 210, a GPS (Global Positioning System) unit 201, a wireless communication unit 220, a call control unit 222, a display unit 224, a microphone 226, and a speaker 228.

  The control unit 210 is configured as a computer including a CPU, an EEPROM (Electrically Erasable Programmable ROM), and a RAM, and controls the entire smartphone 200. The CPU included in the control unit 210 functions as the menu control unit 212, the map acquisition unit 214, and the map display control unit 216 by executing a control program stored in the EEPROM. Menu control unit 212 controls display of various operation menus displayed on display unit 224. The map acquisition unit 214 requests map data from the information processing apparatus 100 in response to a user operation, and stores the acquired map data in an EEPROM (not shown) included in the control unit 210. The map display control unit 216 displays the map 250 on the display unit 224 based on the acquired map data.

  The GPS unit 201 measures the current position of the smartphone 200 based on radio waves received from artificial satellites that constitute the GPS. The wireless communication unit 220 is a circuit for performing wireless data communication or voice communication with the base station BS. The control unit 210 controls the wireless communication unit 220 to communicate with a device on the Internet INT such as the information processing device 100 via a base station BS and a network of a communication carrier including an exchange and a transmission device (not shown). . The call control unit 222 performs incoming calls and calls for voice calls, conversion of voice signals and electric signals, and the like. The display unit 224 includes a liquid crystal display, a drive circuit that drives the liquid crystal display, and a touch panel drive unit. The control unit 210 controls the display unit 224 to display a map, a current position, various menu screens, and the like on the liquid crystal display. Further, the control unit 210 receives input information by touching the display unit 224. Note that the liquid crystal display used in the display unit 224 may be replaced with various display devices such as an organic EL display. The microphone 226 acquires the voice emitted from the user during voice communication or menu selection. The speaker 228 outputs voice for menu guidance, voice received from the other party during voice communication, and the like.

  In the information processing system 10 having the above-described configuration, the customer classification process described below is executed, so that the customers of the financial institution are identified as the presence / absence of a cohabiting household, the relationship between the customer and the cohabiting household, and the entire household including the cohabiting household Customers can be easily categorized according to the assets they have.

A-2. Customer classification processing:
FIG. 4 is a flowchart showing the procedure of the customer classification process of this embodiment. The customer classification process is a process for classifying a plurality of customers of a financial institution into a plurality of groups, and an administrator of the information processing system 10 operates the information processing apparatus 100 to select and execute a menu for customer classification. Then, it is executed in the information processing apparatus 100. As shown in FIG. 4, in the customer management process, a customer asset determination process is first executed (step S10), and then a living household determination process is executed (step S20). The customer asset determination process is a process for classifying a customer based on the estimated assets held by the customer and their households living together. The cohabitation household determination process is a process of classifying the customer based on the presence / absence of the cohabitation household and the relationship between the customer and the cohabitation household.

  FIG. 5 is a flowchart showing the procedure of the customer asset determination process. The customer asset determination unit 112 selects the customers recorded in the financial institution customer database 122 one by one in the order of numbers in the financial institution customer database 122 and sets them as target customers, and the financial institution customer database 122 is set for the target customers. Referring to it, it is determined whether or not the transaction amount is a predetermined amount or more (step S105). When it is determined that the transaction amount is equal to or greater than the predetermined amount (step S105: YES), the customer asset determination unit 112 extracts the target customer as a wealthy customer (step S110). If the transaction amount is greater than or equal to a predetermined amount, it is estimated that the customer has a large amount of assets. Therefore, in this case, the target customer is classified as being wealthy. In the present embodiment, the above-mentioned “extract as a wealthy customer” refers to information identifying a customer extracted as a wealthy customer as a list of wealthy customers, such as numbers in the financial institution customer database 122 or such numbers. It also means that a list in which customer names are recorded is generated and stored in the storage unit 120. Instead of recording in the above-mentioned list, a field of “rich wealth flag” is added to the financial institution customer database 122, and the wealthy flag customer is added to the wealth flag flag field in the record of the customer identified as wealthy customer. A flag indicating this may be recorded. After execution of step S110, the customer asset determination unit 112 determines whether or not all customers have been classified (step S130). If it is determined that the classification of all customers is not completed (step S130: NO), the process returns to step S105 described above. At this time, the target customer is changed to the customer in the next order, and the processes after step S105 are executed. On the other hand, when it is determined that the classification of all customers is completed (step S130: YES), the customer asset determination process ends.

  In step S105 described above, when it is determined that the transaction amount of the target customer is less than the predetermined amount (step S105: NO), the customer asset determination unit 112 determines that the area of the building existing at the address where the target customer resides is predetermined. It is determined whether the area is equal to or larger than the area (step S115). Specifically, the customer asset determination unit 112 first refers to the financial institution customer database 122 to identify the address name of the target customer, and stores the same address name as that address name in the residential map attribute database 21a. Identify the record. Note that the customer asset determination unit 112 refers to the financial institution customer database 122 to identify the coordinates of the target customer, and identifies a record in the residential map attribute database 21a in which coordinates having values closest to the coordinates are registered. Also good. Next, the customer asset determination unit 112 specifies the building area recorded in the record of the specified house map attribute database 21a, and determines whether or not this building area is equal to or larger than a predetermined area.

  When it is determined that the building area is less than the predetermined area (step S115: NO), the customer asset determination unit 112 extracts the target customer as a non-wealthy customer (step S125). When the transaction amount is less than the predetermined amount and the building area is less than the predetermined area, it is estimated that the assets held by the target customer are small. Therefore, in this case, the target customer is classified as being a non-wealthy class. “Extracting a target customer as a non-rich customer” has the same meaning as “Extracting a target customer as a wealthy customer” described above, and thus detailed description thereof is omitted. After step S125 is executed, step S130 described above is executed.

  In step S115 described above, when it is determined that the area of the building existing at the address where the target customer resides is greater than or equal to the predetermined area (step S115: YES), the customer asset determination unit 112 refers to the route valence database 123. Then, the route price associated with the address of the target customer is specified, and it is determined whether or not the route price is equal to or greater than a predetermined amount (step S120). The “line price related to the address” means the line price set for the road in contact with the address. When it is determined that the route price is equal to or greater than the predetermined amount (step S120: YES), the above-described step S110 is executed, and the target customer is extracted as a wealthy customer. Even if the transaction amount is less than a predetermined amount, if the building has a relatively large building in an area where the line price is relatively high, it is estimated that the customer has a large amount of assets. Therefore, in this case, the target customer is classified as being wealthy. On the other hand, when it is determined that the route price is less than the predetermined amount (step S120: NO), the above-described step S125 is executed, and the target customer is extracted as a non-rich customer. Even if the transaction amount is less than the predetermined amount and the building has a relatively large building, if the area is an area where the route price is relatively low, it is estimated that the assets held by the target customer are small. Therefore, in this case, the target customer is classified as being a non-wealthy class. As described above, in the customer asset determination process, not only the transaction amount of the customer recorded in the financial institution customer database 122 but also the building area recorded in the home map attribute database 21a and the road price database 123 are recorded. Since customers are classified based on the route price, etc., the customers can be accurately classified according to the assets owned by the customer and their households.

  FIG. 6 is a first flowchart showing the procedure of the living-household determination process in the present embodiment. FIG. 7 is a second flowchart showing the procedure of the living-household determination process in the present embodiment. FIG. 8 is a third flowchart showing the procedure of the living-household determination process in the present embodiment. FIG. 9 is a fourth flowchart showing the procedure of the living-household determination process in the present embodiment. 6 to 9 partially show flowcharts in a single living-household determination process. In FIG. 6 to FIG. 9, the nameplate name is surrounded by a broken line in order to help understanding.

  As shown in FIG. 6, the living-household determination unit 113 selects the customers recorded in the financial institution customer database 122 one by one in the order of numbers in the financial institution customer database 122 and sets them as target customers. Then, it is determined whether or not it has been extracted as a wealthy customer in the above-described customer asset determination processing (step S200). When it is determined that it has not been extracted as a wealthy customer, that is, it has been extracted as a non-rich customer (step S200: NO), the living-household determination unit 113 completes the classification by the living-household determination process for all customers. It is determined whether or not (step S216). If it is determined that the classification has been completed for all customers (step S216: YES), the living-household determination process ends. On the other hand, if it is determined that the classification has not been completed for all customers (step S216: NO), the process returns to step S200 described above. At this time, the target customer is changed to the customer in the next order, and the processes after step S200 are executed. Therefore, non-rich customers are classified only into groups with “non-rich customers” and are not classified into sub-groups.

  When it is determined that the target customer has been extracted as a wealthy customer (step S200: YES), the cohabitation household determination unit 113 refers to the house map attribute database 21a and the financial institution customer database 122, and the household at the address of the target customer It is determined whether the configuration is a multi-household configuration (a configuration in which two or more households live together) (step S202). Specifically, the living-household determination unit 113 first specifies the address name of the target customer with reference to the financial institution customer database 122, and the residential map attribute database 21a in which the same address name as the address name is registered. Identify the record. Next, the cohabitation household determination unit 113 determines whether or not the number of records in the identified house map attribute database 21a is plural, and if the number of records is plural, the household composition at the address of the target customer is multiple households. If it is determined that the number of records is one, the household configuration at the address of the target customer is determined to be a single household configuration. In the configuration in which the housemate flag is set in the house map attribute database 21a, the housekeeper determining unit 113 determines the household structure at the address of the target customer based on the housekeeper flag set in the specified record. You may determine with a multi-family structure. In the case of a multi-family structure, there is a high possibility that the name or name of the householder of each household will be written on the nameplate. Therefore, there is a high possibility that there are a plurality of records in which the same address name is set and different nameplate names are set in the house map attribute database 21a. On the other hand, in the case of a single household structure, there is a high possibility that the name or the name of the only householder is written on the nameplate. Therefore, there is a high possibility that only one record with the same address name is registered in the house map attribute database 21a. 2 and 3, the customer who lives at the address C, that is, the customer of the third record in FIG. 3, the customer who lives at the address D, that is, the customer of the fourth record in FIG. That is, the customer of the sixth record in FIG. 3 is determined to have a multi-household structure in step S202. On the other hand, the customer who lives in the address A, that is, the customer of the first record in FIG. 3 and the customer who lives in the address B, that is, the customer of the second record in FIG. For the customer of the fifth record in No. 3, it is determined in step S202 that it is a single household configuration.

  If it is determined in step S202 that there is a multi-household configuration (step S202: YES), the living-household determination unit 113 determines whether or not the names of the nameplates corresponding to the target customer match each other (step S202). S204). For example, the nameplate name corresponding to the customer who lives in the address C is “Mr. CCC name cc1” which is the nameplate name of the third record in FIG. 2, and “Mr. CCC name cc2” which is the nameplate name of the fourth record in FIG. And these two nameplate names match each other. On the other hand, for example, the nameplate name corresponding to the customer who lives in the address D is “Mr. DDD” which is the nameplate name of the fifth record in FIG. 2 and “Mr. EEE” which is the nameplate name of the sixth record in FIG. ", And the names of these two nameplates do not match each other.

  If it is determined that the names of the nameplates corresponding to the target customer match each other (step S204: YES), the living household determination unit 113 matches any of the nameplate names corresponding to the customer names of the target customers. It is determined whether or not (step S206). The customer name of the customer who lives at the address C is “Mr. CCC name cc1” as shown in FIG. Therefore, it matches the former of “Mr. CCC name cc1” and “Mr. CCC name cc2” which are a plurality of nameplate names corresponding to such customers.

  If it is determined that the customer name of the target customer matches one of the corresponding nameplate names (step S206: YES), the living household determination unit 113 has the highest priority among the nameplate names. It is determined whether or not it coincides with a high name (hereinafter referred to as “priority name”) (step S208). If it is determined that the customer name of the target customer matches the priority name (step S208: YES), the living household determination unit 113 classifies the target customer as the first type customer (step S210). A customer classified as the first category customer is likely to have characteristics such as “the customer lives with a child household”, “the customer is a parent”, and “the head of the household in many households is a parent”. Because the names of multiple nameplates match, it is assumed that the parent and son households will live together, and the preferred name that is assumed to be the parent's name or name matches the customer's name, so the customer may be the parent High nature. In addition, since the customer is likely to be a parent, the head of a household in many households is likely to be a parent. In addition, the above-mentioned “household head” does not mean the head of each household in a multi-family, but has the meaning of an economic central person in the whole multi-family. In the present embodiment, “classify target customers as first-class customers” in step S210 described above is information (for example, financial) that identifies customers classified as first-class customers as a list of first-class customers. This means that a list in which numbers in the institutional customer database 122, such numbers and customer names, etc.) are recorded is generated and stored in the storage unit 120. Note that “classify” in steps S212, S214, S228, S230, S232, S246, S248, S250, S266, and S270, which will be described later, also means the same processing as “classify” in step S210 described above. After step S210 is executed, step S216 described above is executed.

  If it is determined in step S208 described above that the customer name of the target customer does not match the priority name (step S208: NO), the living-household determination unit 113 classifies the target customer as a second type customer (step S212). . A customer classified as a second-class customer is likely to have characteristics such as “the customer lives with his / her parent household”, “the customer is a child”, and “the household head in a multi-family household is a child”. . In addition, this householder has the same meaning as the householder mentioned above regarding step S210. Since the names of multiple nameplates match, it is assumed that the parent and son households will live together, and the name of the son or name is assumed to match the name of the customer, so the customer is likely to be the son. . Moreover, since the possibility that the customer is a son is high, the head of a household in many households is likely to be a son.

  In step S206 described above, when it is determined that the customer name of the target customer does not match any of the corresponding nameplate names (step S206: NO), the living-household determination unit 113 sets the target customer as a third-class customer. Classify (step S214). A customer classified as the third category customer is highly likely to have characteristics such as “there is a household living with the customer” and “there is a possibility of living in three or more households”. Unlike the first and second type customers described above, it is unclear whether the customer lives with the parent household or the child household. It is also unclear whether the customer is a parent or a child. It is also unclear whether the head of a household in many households is a parent or a child. In other words, the third type customer has the characteristic of having these unknown points.

  If it is determined in the above-described step S204 that the names of the nameplates corresponding to the target customer do not match each other (step S204: NO), the living-household determination unit 113, as shown in FIG. It is determined whether both the name and the name are described (step S222). As shown in FIG. 6, in this embodiment, “Mr. DDD” and “Mr. EEE”, “Mr. GGG name gg1”, and “Mr. HHH name hh1” are the nameplate names determined as NO in step S204. Applicable. Of these two combinations, “Mr. GGG name gg1” and “Mr. HHH name hh1” both indicate the name and the name. On the other hand, only “Mr.” is described for “Mr. DDD” and “Mr. EEE”.

  When it is determined that both the name and the name are described as the nameplate name (step S222: YES), the cohabitation household determination unit 113 matches any of the nameplate names corresponding to the customer names of the target customers. Whether or not (step S224). Since this step S224 is the same process as step S206 in FIG. 6 described above, a detailed description thereof will be omitted. Among the above-mentioned “Mr. GGG name gg1” and “Mr. HHH name hh1”, “Mr. GGG name gg1” matches the name of the customer who lives at the address G as shown in FIG.

  When it is determined that the customer name of the target customer matches one of the corresponding nameplate names (step S224: YES), the living household determination unit 113 determines whether the customer name matches the priority name. (Step S226). Since this step S226 is the same processing as step S208 in FIG. 6 described above, detailed description thereof will be omitted. The customer name “Mr GGG name gg1” matches the priority name “Mr GGG name gg1” among the above-mentioned “Mr. GGG name gg1” and “Mr. HHH name hh1”.

  If it is determined that the customer name of the target customer matches the priority name (step S208: YES), the living household determination unit 113 classifies the target customer as the above-described first type customer (step S228). This step S228 is the same as step S210 described above. However, when step S228 is executed, there is a high possibility that the household composition is slightly different from the case where step S210 is executed. That is, when step S228 is executed, the customer is a parent, lives with a daughter household (a household with a different Mr.), and there is a high possibility that the householder in many households is the parent.

  In step S226 described above, when it is determined that the customer name of the target customer does not match the priority name (step S226: NO), the living-household determination unit 113 classifies the target customer as the second type customer (step S230). . This step S230 is the same as step S212 described above. However, when step S230 is executed, there is a high possibility that the household composition is slightly different from step S212 described above. That is, when step S230 is executed, the customer is living with the in-law parent (the wife's parent), the customer is the daughter's husband, and the daughter's husband is likely the householder.

  In step S224 described above, when it is determined that the customer name of the target customer does not match any of the corresponding nameplate names (step S224: NO), the living-household determination unit 113 sets the target customer as a third-class customer. Classify (step S232). Since step S232 is the same as step S214 described above, detailed description thereof is omitted. Step S234 is performed after execution of steps S228, S230, and S232 described above. Since step S234 is the same as step S216 shown in FIG. 6 described above, a detailed description thereof will be omitted.

  If it is determined in step S222 that neither the name nor the name is described as the nameplate name, in other words, only the name is described as the nameplate name (step S222: NO), the living-household determination unit As illustrated in FIG. 8, the cohabitation household determination unit 113 determines whether the customer name of the target customer matches any of a plurality of nameplate names corresponding to the target customer (step S <b> 242). This step S242 is the same processing as step S206 in FIG. 6 described above, and thus detailed description thereof is omitted. As shown in FIG. 7, “Mr. DDD” and “Mr. EEE” correspond to the nameplate names determined as NO in step S222 in the present embodiment. Of these two “Mr. DDD” and “Mr. EEE”, “Mr. EEE” coincides with “Mr. EEE” of the name “Mr. EEE name ee1” of the customer who lives in the address D.

  If it is determined that the customer name of the target customer matches any of the corresponding nameplate names (step S242: YES), the cohabitation household determination unit 113 determines that the customer name of the target customer is It is determined whether or not the name matches the priority name (step S244). Since this step S244 is the same processing as step S208 in FIG. 6 described above, detailed description thereof will be omitted.

  If it is determined that the customer name of the target customer matches the priority name (step S244: YES), the cohabitation household determination unit 113 classifies the target customer as the above-described first type customer (step S246). This step S246 is the same as steps S210 and S228 described above. However, when step S246 is executed, there is a high possibility that the household composition is slightly different from the case where steps S210 and S228 described above are executed. That is, when step S246 is executed, there is a high possibility that the customer lives with the daughter household. On the other hand, it is unclear whether the customer is a parent or daughter (or daughter's husband) and whether the head of the household in a multifamily is a parent or daughter (or daughter's husband) It has the characteristics.

  In step S244 described above, when it is determined that the customer name of the target customer does not match the priority name (step S244: NO), the cohabitation household determination unit 113 classifies the target customer as a second-class customer. (Step S248). The customer name “EEE” of the customer of the address D (the customer of the fourth record in the financial institution customer database 122) is different from the priority name “DDD”. For this reason, such a customer is classified as a second type customer. Step S248 is the same as steps S212 and S230 described above. However, when step S248 is executed, there is a high possibility that the household composition is slightly different from the case where steps S212 and S230 described above are executed. That is, when step S248 is executed, there is a high possibility that the customer lives with the household of the in-law parent. On the other hand, it is unclear whether the customer is a parent or daughter (or daughter's husband) and whether the head of the household in a multifamily is a parent or daughter (or daughter's husband) It has the characteristics.

  In step S242 described above, if it is determined that the customer name of the target customer does not match any of the corresponding nameplate names (step S242: NO), the cohabitation household determination unit 113 selects the target customer as the first customer. Classify as a third-class customer (step S250). This step S250 is the same as steps S214 and S232 described above. However, when step S250 is executed, there is a high possibility that the household composition is slightly different from the case where steps S214 and S232 described above are executed. In other words, it has a feature that “there is a possibility of living in three or more households”, while it is unknown whether or not there is a household living with the customer. Step S252 is performed after execution of steps S246, S248, and S250 described above. Since step S252 is the same as step S216 shown in FIG. 6 described above, a detailed description thereof will be omitted.

  In the above-described step S202 shown in FIG. 6, when it is determined that the household structure at the address of the target customer is not a multi-household structure (step S202: NO), the living-household determination unit 113, as shown in FIG. It is determined whether both the name and the name are described as names (step S262). Since step S262 is the same as step S222 shown in FIG. 7 described above, detailed description thereof is omitted. In the present embodiment, “Mr AAA”, “Mr BBB name bb1”, and “Mr FFF” correspond to the nameplate names determined as NO in step S202.

  If it is determined that both the name and the name are described as the nameplate name (step S262: YES), the living household determination unit 113 determines whether or not the customer name of the target customer matches the nameplate name. (Step S264). If it is determined that the customer name of the target customer does not match the nameplate name (step S264: NO), the living-household determination unit 113 classifies the target customer as a fourth category customer (step S266). A customer classified as the fourth category customer is highly likely to have the characteristic that “two households are likely to live together”. If only one name is listed on the nameplate, but the name and the customer's name do not match, there is a possibility that the household name in the multi-family and the customer's name do not match There is. For example, in a two-house structure consisting of a parent household and a child household, the nameplate of the parent remains the name of the parent, but as the parent ages, the household head in the two households changes from parent to child and the child registers as a customer The case where it is done is assumed.

  In step S264 described above, when it is determined that the customer name of the target customer matches the nameplate name (step S264: YES), the household determination unit 113 classifies the target customer as a fifth category customer (step S270). A customer classified as the fifth category customer is likely to have a feature of “no household living together”.

  When it is determined in step S262 described above that neither the name nor the name is described as the nameplate name, in other words, only the name is described as the nameplate name (step S262: NO), the living-household determination unit 113 determines whether the nameplate name and the customer name of the target customer match (step S268). If it is determined that the name of the nameplate matches the name of the customer of the target customer (step S268: YES), the above-described step S270 is executed, and the target customer is classified into the above-described fifth category customer. On the other hand, when it is determined that the nameplate name and the customer name of the target customer do not match (step S268: NO), the above-described step S266 is executed, and the target customer is the above-described fourth category. Classified as customer. For example, since the name “FFF” of the nameplate name “Mr. FFF” and the name “XXX” of the customer name “Mr. XXX name xx1” do not match, the customer of the customer name “Mr. XXX name xx1” are categorized. Step S272 is performed after execution of steps S266 and S270 described above. Since step S272 is the same as step S216 shown in FIG. 6 described above, detailed description thereof will be omitted.

  Here, “match” in the above-described step S268 means complete match and does not include partial match. “Partial match” means that the name of the nameplate is written in alphabet, the name of the customer of the target customer is registered in kanji, and the name of the nameplate is written in the old font , It has a broad meaning including the case where the customer name of the target customer is registered in common Chinese characters. When such “partial match” is detected, it is determined in step S268 that the nameplate name and the customer name of the target customer do not match, so step S266 is executed, The target customer is classified into the above-described fourth category customer.

  As described above, in the cohabitation household determination process, the customers are classified based on the nameplate recorded in the housing map attribute database 21a as well as the name of the customer recorded in the financial institution customer database 122. The customers can be classified according to the presence or absence of a cohabiting household and the relationship between the customer and the cohabiting household.

A-3. Map display processing:
FIG. 10 is a flowchart showing the procedure of map display processing in the present embodiment. 10, the left side shows the processing procedure in the smartphone 200, and the right side shows the processing procedure in the information processing apparatus 100. In the smartphone 200, when the power is turned on, the map display process is started. Similarly, in the information processing apparatus 100, when the power is turned on, the map display process is started. It is assumed that the above-described customer classification process has already been executed before the map display process is executed.

  In the smartphone 200, the menu control unit 212 determines whether a map display menu is selected by the user (step S305). In this map display menu, the user designates a customer group. The customer group means a group of customers classified by the above-described customer classification process. Specifically, it means a total of six groups, that is, a total of five groups of the above-described first to fifth type customers and a group of non-rich people. For example, when an employee of a financial institution who is a user of a smartphone 200 intends to conduct a business operation of financial products for inheritance tax countermeasures such as insurance products, a second type customer group is specified and a map display menu is selected. Also good.

  If it is determined that the map display menu has been selected (step S305: YES), the map acquisition unit 214 controls the GPS unit 201 to identify the coordinates of the current position of the smartphone 200 (step S310). The above-described step S305 is repeatedly executed until the map display menu is selected.

  The map acquisition unit 214 controls the wireless communication unit 220 to process a map data request command including the coordinates of the current position specified in step S310 and the identifier indicating the customer group specified in step S305, so that the information processing apparatus 100 (step S315).

  The information processing apparatus 100 stands by until a map data request command is received from the smartphone 200 (step S405). When the map data request command is received (step S405: YES), the map data generation unit 115, based on the current position coordinates included in the received command, displays data indicating a map in a predetermined range centered on the current position. It produces | generates based on the housing map database 121 memorize | stored in the memory | storage part 120 (step S410). Further, the map data generation unit 115 identifies the customer of the designated group based on the customer group identifier included in the received command, and superimposes information indicating a predetermined mark on the address of the customer on the map. Generate map data for display. Note that the predetermined mark to be superimposed on the map may be an icon, or a polygon for drawing a building may be painted with a predetermined color. Further, different icons may be superimposed for each classified customer, or may be filled with different colors. As described above, as a result of the customer classification process, the storage unit 120 stores a list in which identifiers of customers belonging to each customer group are recorded. Therefore, by referring to the financial institution customer database 122 based on such an identifier, it is possible to specify the addresses of customers belonging to the designated group.

  The map data generation unit 115 controls the communication unit 130 to transmit the display map data generated in step S410 to the smartphone 200 (step S415). In step S415, the information processing apparatus 100 returns to step S405 described above.

  In the smartphone 200, the map display control unit 216 causes the display unit 224 to display a map based on the display map data received from the information processing apparatus 100 (step S320). When the smartphone 200 completes step S320, the process returns to step S305 described above.

  FIG. 11 is an explanatory diagram illustrating an example of a map displayed on the smartphone 200 in step S320. As shown in FIG. 11, a map 250 is displayed on the display unit 224 of the smartphone 200. In addition, the display unit 224 displays a character string “second type customer” that is an identifier of the customer group designated by the user, overlapping the map 250. In addition to roads, a rectangular mark 260 is displayed on the map 250. This mark 260 is displayed at a predetermined position (for example, the center position of the corresponding address) in the address of the second type customer. Therefore, the user can easily grasp at which position the second type customer targeted for the sales activity lives by looking at the map.

  According to the information processing system 10 of the embodiment described above, the name of the house map attribute database 21a associated with the same address and the customer name of the financial institution customer database 122 are associated with the same house address by executing the living household determination process. Since the customers are classified based on the group, the customers can be classified into an appropriate group according to the presence / absence of the cohabiting household and the relationship between the cohabiting household and the customer.

  In addition, customers with the same customer name and nameplate name and those that do not match are classified into different groups, so multiple customers that are estimated to have similar relationships with the household living together are classified into the same group. A plurality of customers whose relevance is estimated not to be similar to each other can be classified into different groups. Further, since the customer whose name matches the name of the nameplate and the customer whose name does not match are classified into different groups, the same effect can be obtained.

  In addition, among customers whose customer name and nameplate name match, customers whose customer name and priority name match and customers who do not match are classified into different groups. Customers who are highly likely to be high-level persons (for example, parents) are householders at the address can be classified into the same group. ) Can be classified into the same group of customers who are likely to be householders at the address.

  Further, in the following three cases (first to third cases), the target customer belongs to a customer group that belongs to a household different from the target customer's household or to a customer who is likely to live together. being classified. In the first case, a plurality of nameplate names are associated with one customer name, and one name of the nameplate names matches the name of the corresponding customer name. is there. The second case is a case where the customer name matches the nameplate name. The third case is a case where the customer name and the nameplate name partially match. As a first case example, for example, a customer name “Mr GGG name gg1” and nameplate names “Mr GGG name gg1” and “Mr HHH name hh1” which are nameplate names having the same customer name and address name are included. This corresponds to the case where the nameplate name “Mr. GGG name gg1” which is a part of the nameplate matches. As a second case example, for example, the customer name “Mr. EEE name ee1” and nameplate names “Mr DDD” and “Mr. EEE”, which are nameplate names having the same customer name and address name, This corresponds to the case where “EEE” matches the customer name “Mr. EEE name ee1”. As an example of the third case, for example, in step S268 described above, the nameplate name and the customer name of the target customer only partially match and do not completely match. This corresponds to the case where it is determined that the name of the customer and the name of the customer of the target customer do not match (step S268: NO). The above three cases correspond to the case where “the customer name and the nameplate name partially match”. In these cases, the target customer lives in a household different from the target customer's household, or is likely to live there, so that the customer can be classified into an appropriate customer group.

  Further, since the name or name associated with the address name in the house map attribute database 21a is the name or name described on the nameplate existing at the corresponding address, the representative among persons living at the corresponding address. The name or name of a person (eg, a parent) can be accurately identified. For this reason, customer classification can be performed with high accuracy.

  Further, by executing the map display process, a map 250 in which a predetermined mark 260 is displayed at the address of a customer belonging to the group designated by the user is displayed on the smartphone 200, so the user views the map. Thus, it is possible to easily grasp where the customers belonging to the designated group live. In addition, the positional relationship between the current position and the customer can be easily grasped. Therefore, it is possible to easily carry out sales activities targeting only the customers of such a group.

  In addition, it is estimated by the customer asset judgment process that the transaction amount is greater than or equal to the predetermined amount and the customer is estimated to have a large amount of assets, and that the transaction amount is small and the building area is less than the predetermined area and the possession assets are small. Customers can be classified into different groups. Therefore, based on the classification result, for example, sales activities such as sales promotion targeting only wealthy customers can be efficiently performed.

  In addition, for customers whose transaction amount is less than a predetermined amount and whose building area is equal to or larger than a predetermined area, a customer whose address is higher than a predetermined amount is extracted as a wealthy customer, and the address Customers of less than a predetermined amount are extracted as non-healthy customers, so potential wealthy customers who cannot be known only from the transaction amount can be accurately extracted as wealthy customers, and potential non- We can accurately extract wealthy customers as non-healthy customers.

B. Variations:
B1. Modification 1:
In the above embodiment, the classification result obtained by executing the customer classification process is utilized in the map display process, but the present invention is not limited to this. A list of each group, which is a classification result obtained by executing the customer classification process, is output as a list data to a recording medium, printed out, or displayed on a display device (not shown) connected to the information processing apparatus 100. It may be displayed. In such a configuration, the smartphone 200 may be omitted. Further, based on the classification result, a process for determining the business time for each customer may be additionally executed.

  FIG. 12 is a flowchart illustrating the procedure of the business time determination process in the modified example. FIG. 12A shows the procedure of the business time determination process executed for the first type customer. FIG. 12B shows a procedure of the business time determination process executed for the second type customer, FIG. 12C shows a procedure of the business time determination process executed for the third type customer, and FIG. ) Shows the procedure of the business time determination process executed for the fourth type customer. The business time determination process shown in FIG. 12 is a process for determining the time of the business activity of the financial product for inheritance tax measures.

  As shown in FIG. 12A, for each customer classified as the first type customer, it is determined whether or not the customer's age is over 70's (step S305). If it is determined that the customer's age is 70 or older (step S305: YES), the business period is specified as the A rank period (step S310). On the other hand, when it is determined that the customer's age is not over 70's (step S305: NO), the business period is specified as the E rank period.

  In this modification, the business period is divided into a total of five periods from the A rank period to the E rank period, and the A rank period is set to the time range closest to the present time including the present. Subsequent to the A rank period, a time range farther from the present is set in advance in the order of the B rank period, the C rank period, the D rank period, and the E rank period. For example, the A rank time is set within one year from the present, the B rank time is set from one year to five years later, and the C rank time is set from five years to ten years later. The period from 10 years to 15 years later may be set as the D rank period, and the period after 15 years may be set as the E rank period.

  As described above, the first-class customer is highly likely to have characteristics such as “the customer lives with a child household”, “the customer is a parent”, and “the head of the household in many households is a parent”. And when a customer is 70 years old or more, the cohabitation with the household of the parents of 70s or more and the household of the child of 40s or more is assumed, for example. For this reason, since there is a high possibility that there is a high need for financial products for inheritance tax measures, the A rank period is specified as the business period. On the other hand, when the customer is not in the 70s or more, for example, a cohabitation of a household of a parent in their 60s and a household of a child in their 20s is assumed. In this case, the need for financial products for inheritance tax measures seems to be low at this time, so the E rank period is specified as the business period.

  As shown in FIG. 12B, for each customer classified as the second type customer, it is determined whether or not the customer's age is over 40 (step S405). If it is determined that the customer's age is over 40 (step S405: YES), the business period is specified as the B rank period (step S410). On the other hand, if it is determined that the customer's age is not over 40 (step S305: NO), the business period is specified as the E rank period.

  As described above, the second-class customer is highly likely to have characteristics such as “the customer lives with his / her parent household”, “the customer is a child”, and “the head of the household in many households is a child”. And when a customer is 40 years old or more, the cohabitation of the household of the child 40 years or older and the household of the parent 70 years or older is assumed. For this reason, since it seems that there is a high need for financial products for inheritance tax measures, the B rank period is specified as the business period. On the other hand, when the customer is not in their 40s or more, for example, it is assumed that a household of a child in their 20s and a household of a parent in their 60s live together. In this case, the need for financial products for inheritance tax measures seems to be low at this time, so the E rank period is specified as the business period.

  As shown in FIG.12 (c), it is determined about each customer classified as a 3rd type customer whether the customer's age is 20-30 generations (step S505). If it is determined that the customer's age is in their 20s to 30s (step S505: YES), the business period is specified as the C rank period (step S510). On the other hand, if it is determined that the customer's age is not in their 20s to 30s (step S505: NO), it is specified that the cohabitation is unknown (business time unknown) (step S515).

  As described above, the third-class customer is highly likely to have characteristics such as “there is a household living with the customer” and “there is a possibility of living with three or more households”. And when a customer is 20-30 generations, the coexistence of the 20-30 generation child household and the 50-60 generation parent household is assumed. For this reason, since the need for financial products for inheritance tax measures is not so high, the C rank period is specified as the business period. On the other hand, when the customer is not in their 20s and 30s, for example, a plurality of households of the same age may be living together for some reason, and there is a possibility that the parent and the child are not living together. For this reason, the level of needs for financial products for inheritance tax measures is unknown, and it is specified that living together is unknown.

  As shown in FIG. 12D, for each customer classified as the fourth type customer, it is determined whether or not the customer's age is over 70's (step S605). If it is determined that the customer's age is over 70 (step S605: YES), it is specified that the cohabitation is unknown (business time unknown) (step S610). On the other hand, if it is determined that the customer's age is not over 70's (step S605: NO), it is determined whether or not the customer's age is between 40 and 60's (step S615). If it is determined that the customer's age is in their 40s and 60s (step S615: YES), the business period is specified as the D rank period (step S620). On the other hand, when it is determined that the customer's age is not in their 40s and 60s (step S615: NO), the business period is specified as the E rank period (step S625).

  As described above, the fourth type customer is highly likely to have the characteristic that “two households are likely to live together”. If the customer is in their 40s and 60s, the child's 40s child household and the 60s parent household live together, or the 20s child household and the customer 60s parent household. Is expected to live together. In any case, since the needs for financial products for inheritance tax measures are not so high, the D rank period is specified as the business period. On the other hand, when the customer is not in his 40s and 60s, for example, a household of a child in his 20s and a parent household in his 50s are assumed. In this case, since the need for financial products for inheritance tax measures is quite low, the E rank period is specified as the business period.

  The business time specified by the business time determination process described above may be recorded in association with each customer in the list of each group recorded in the storage unit 120, for example. Further, a new customer list for each business period (rank period) may be generated and stored in the storage unit 120. Note that the business time determination process described above may be executed periodically by an administrator of the information processing system 10 or when an employee of a financial institution selects a corresponding menu on the smartphone 200, for example. Also good.

B2. Modification 2:
In the customer asset determination process of the above-described embodiment, the customer is classified into the wealthy customer and the non-healthy customer based on the transaction amount, the building area, and the route price, but the present invention is not limited to this. . For example, a customer whose address is within a predetermined distance from the address of a customer who has already been extracted as a wealthy customer and whose building area is equal to or larger than a predetermined area, regardless of the transaction amount and the line price It may be extracted as a wealthy customer. This is because a customer who lives in the vicinity of a wealthy customer and who lives in a relatively large building is likely to have high assets. Further, classification based on the route price, that is, step S120 of the customer asset determination process may be omitted. In this configuration, when it is determined in step S115 that the building area is equal to or larger than the predetermined area (step S115: YES), the target customer is extracted as a wealthy customer by executing step S110, and the building area is the predetermined area. If it is determined that the target customer is less than the target customer, step S125 may be executed to extract the target customer as a non-rich customer. In this configuration, the route price database 123 can be omitted. Similarly, classification based on the building area, that is, step S115 of the customer asset determination process may be omitted. In this configuration, if it is determined in step S105 that the transaction amount of the target customer is less than the predetermined amount (step S105: NO), step S210 may be executed to perform classification based on the route price. In this configuration, the building area field can be omitted in the house map attribute database 21a. In the house map attribute database 21a, the number field may be omitted.

B3. Modification 3:
The name or name registered in the house map attribute database 21a is the name or name written on the nameplate at the corresponding address, but the present invention is not limited to this. For example, the name or name of a resident obtained by visiting each address and conducting a face-to-face survey may be registered. For example, as a database different from the house map attribute database 21a, if there is a database in which each address is associated with the name or name of a person living at the address, the name or name registered in the database is stored. May be associated with the nameplate name field of the house map attribute database 21a. Further, for example, a name or name registered in a database different from the house map attribute database 21a may be added to the house map attribute database 21a for registration. The name or name of the person associated with the address may be registered in the house map attribute database 21a.

  Moreover, although the address name was registered as information which specifies an address in the house map attribute database 21a, it replaces with an address name, and arbitrary information which shows an address, such as the coordinate of the center position of the site which exists in an address May be used. Similarly, in the financial institution customer database 122, any information indicating an address may be used instead of the address name.

  Further, in the house map attribute database 21a, the area of the site existing at the corresponding address may be registered instead of the building area or in addition to the building area. In this configuration, in the customer asset determination process, the site area may be used for the classification of the target customer instead of the building area or in addition to the building area. Specifically, for example, when the site area is a predetermined area or more, it may be extracted as a wealthy customer, and when it is less than a predetermined area, it may be extracted as a non-wealthy customer.

B4. Modification 4:
The customer name registered in the financial institution customer database 122 is both the customer name and the customer name, but only the customer name may be registered. Even in this configuration, in the case where a plurality of households with different Mrs. live together, the customers can be classified in consideration of the customer's age. For example, if the customer is in their 20s, a second-class customer is assumed that a child household in their 20s and a parent household in their 50s live together, and the child is a customer and the head of the entire household. May be classified. In the financial institution customer database 122, the fields of number, age, and transaction amount may be omitted.

B5. Modification 5:
In the embodiment, when a plurality of names or names are listed on the nameplate of the same address in the house map attribute database 21a, records of names or names that are estimated to have a higher priority are assigned to the earlier number. By registering a record with a name or name that is estimated to be lower in priority as a record with a later number, the priority level between these two records will be revealed. Although recorded, the present invention is not limited to this. For example, by adding a priority field to the house map attribute database 21a and registering information indicating the priority (for example, high, medium, low, etc.) in the field, the priority between the plurality of records is high or low. May be recorded so as to be clear. Further, for example, separately from the house map attribute database 21a, a list in which priorities among a plurality of records are recorded is stored in the storage unit 120, and the list is stored in steps S208, S226, and S244 of the living household determination process. The determination may be made by referring to it. Further, for example, the parent generation and the child generation may be estimated based on the secular change of the housing map attribute data from the past. Specifically, the nameplate is surveyed every year or once every several years, and the result is reflected in the house map database 121. If the name recorded in the house map database 121 has not changed for 40 years, The name may be estimated as the parent generation. Also, if another name is recorded five years ago at the same address as the name that has not changed for 40 years, this other name may be estimated as a child generation.

B6. Modification 6:
In the customer classification process, the execution order of the customer asset determination process and the cohabitation household determination process may be reversed. That is, first, the household determination process is performed to classify each customer as a first to fifth class customer, then the customer asset determination process is performed for each group, and the customers extracted as non-wealthy customers May be classified into a newly established non-rich customer group. In the customer classification process, either the customer asset determination process or the cohabitation household determination process may be omitted. Further, in the embodiment, the customer asset determination process and the cohabitation household determination process are executed continuously, but may be executed at different timings.

B7. Modification 7:
In the embodiment, the customer classification process is executed when an administrator of the information processing system 10 operates the information processing apparatus 100 to select and execute a menu for customer classification. It is not limited to this. For example, it may be executed periodically. Further, for example, the information processing apparatus 100 may be executed when it is determined that a map request command is received.

B8. Modification 8:
In the embodiment, the map display process is executed when the power is turned on in the smartphone 200 and the information processing apparatus 100, but the present invention is not limited to this. For example, in the smart phone 200, you may perform regularly. Further, in the information processing apparatus 100, the information processing apparatus 100 may execute the process when the map data request command is received from the smartphone 200. Further, for example, in the information processing apparatus 100, when map data is periodically generated and a map data request command is received from the smartphone 200, the map data already generated is omitted by omitting step S410. May be transmitted to the smartphone 200.

B9. Modification 9:
In the map display process of the embodiment, as shown in FIG. 11, only the address of the customer group designated by the user (more precisely, the center position of the address) is indicated by a rectangular mark 260 on the map. However, the present invention is not limited to this. For example, information representing a group to which each customer belongs may be displayed at the addresses of all customers. Specifically, for example, each customer's address may be displayed in a different color for each group. Further, for example, a mark having a different shape for each group may be displayed at each customer's address.

B10. Modification 10:
In the embodiment, the process is performed until the customers are classified into a plurality of groups. However, the target customer may be specified based on the classification. The target customer means, for example, a customer targeted when conducting business activities. As the specifying method, for example, a customer classified as a first type to a fourth type customer may be specified as a target customer. The first-class to fourth-class customers are wealthy customers, and mean customers who have or are likely to have living households (cohabitants). By specifying such a customer as a target customer, for example, a customer targeted for sales promotion of new financial products such as mortgages, investment trusts, and various insurances can be easily specified. In such a configuration, the control unit 110 may include a function unit (target customer specifying unit) that specifies the first to fourth type customers as target customers.

B11. Modification 11:
In the embodiment, the customer classification process is all executed in the information processing apparatus 100, but at least a part of the process may be executed in the smartphone 200. Moreover, you may perform at least one part of a customer classification process in the other apparatus different from the information processing apparatus 100 and the smart phone 200. FIG. Similarly, at least a part of the process executed on the smartphone 200 in the map display process may be executed on the information processing apparatus 100, and at least a part of the process executed on the information processing apparatus 100 is executed on the smartphone 200. May be. For example, map data may be generated in the smartphone 200.

B12. Modification 12:
The configuration of the information processing system 10 in the embodiment is merely an example, and can be variously changed. For example, instead of the smartphone 200 or in addition to the smartphone 200, any other type of mobile phone terminal, portable navigation device, in-vehicle navigation device, or the like may be used as a device for displaying a map. Good. The information processing apparatus 100 may not include the route price database 123. In this configuration, a device different from the information processing device 100 is provided with a route price database, and in step S120 of the customer asset determination process, the customer asset determination unit 112 accesses the device provided with the route price database, and the target customer You may acquire the line price of the address. In addition, the customer in the embodiment is a customer of a financial institution that performs financial transactions, but may be a customer that performs other arbitrary commercial transactions. Even such a customer can accurately execute the customer asset determination process by recording the transaction amount of the transaction in the customer database. In each embodiment, a part of the configuration realized by hardware may be replaced with software. Conversely, a part of the configuration realized by software may be replaced by hardware. Good. In addition, when some or all of the functions of the present invention are realized by hardware, for example, any circuit such as an integrated circuit and a discrete circuit and a combination of these circuits may be used. In addition, when part or all of the functions of the present invention are realized by software, the software (computer program) can be provided in a form stored in a computer-readable recording medium. In the present invention, the “computer-readable recording medium” is not limited to a portable recording medium such as a flexible disk or a CD-ROM, but an internal storage device in a computer such as various RAMs and ROMs, a hard disk, and the like. An external storage device fixed to the computer is also included. That is, the “computer-readable recording medium” has a broad meaning including an arbitrary recording medium capable of fixing data instead of temporarily.

  The present invention is not limited to the above-described embodiments and modifications, and can be realized with various configurations without departing from the spirit of the present invention. For example, the technical features in the present embodiment and the modified examples corresponding to the technical features in the embodiments described in the column of the summary of the invention are to solve part or all of the above-described problems, or In order to achieve part or all of the above effects, replacement or combination can be appropriately performed. Further, if the technical feature is not described as essential in the present specification, it can be deleted as appropriate.

DESCRIPTION OF SYMBOLS 10 ... Information processing system 21a ... Residential map attribute database 21b ... Feature database 100 ... Information processing apparatus 110 ... Control part 111 ... Customer classification part 112 ... Customer asset judgment part 113 ... Living-household judgment part 115 ... Map data generation part 120 ... Storage unit 121 ... Housing map database 122 ... Financial institution customer database 123 ... Road price database 130 ... Communication unit 200 ... Smartphone 201 ... GPS unit 202 ... Storage unit 210 ... Control unit 212 ... Menu control unit 214 ... Map acquisition unit 216 ... Map Display control unit 220 ... Wireless communication unit 222 ... Call control unit 224 ... Display unit 226 ... Microphone 228 ... Speaker 250 ... Map 260 ... Mark BS ... Base station INT ... Internet

Claims (9)

A customer database that records customer data that is information including a customer's first name or name, and information indicating the customer's address;
A resident database for recording resident data, which is information including information indicating an address, and a second name made up of the name or name of a person associated with the address;
From the information indicating the address of the customer in the customer data recorded in the customer database and the information indicating the address of the person in the resident data recorded in the resident database, the customer data and the resident data And the customer in the first name of the customer data and the second name of the resident data are partly matched, the customer is living with a different person An information processing system, comprising: a mate estimator that estimates that the member belongs to. The information processing system according to claim 1,
The occupant estimation unit estimates that the customer belongs to a cohabiting household living with a different person when a plurality of the second names of the resident data are associated with the customer data. . The information processing system according to claim 1 or 2,
The customer database further records the transaction amount in the commercial transaction by the customer,
The resident database further records information indicating the area of the building existing at the address,
The customer whose transaction amount recorded in the customer database is greater than or equal to a predetermined amount and the customer whose transaction amount is less than the predetermined amount exist in the address of the resident data associated with the customer An information processing system comprising: a customer whose building area is equal to or larger than a predetermined area; and a wealthy layer estimation unit that estimates a wealthy household representing a wealthy household. The information processing system according to claim 3,
An information processing system comprising a target customer specifying unit that specifies a customer estimated by both the mate estimation unit and the wealthy layer estimation unit as a target customer. An information processing system according to any one of claims 1 to 3,
The customer database records a plurality of customer data related to the customers different from each other,
The resident database records a plurality of the resident data,
Among the plurality of customers estimated to belong to the cohabitation household by the occupant estimation unit, the first name and the second name at least partially coincide with each other, the first name and the second name An information processing system comprising a customer classifying unit that classifies customers that do not match at all into different groups. The information processing system according to claim 5,
The first name consists of a person's name or full name,
The second name is composed of a plurality of persons or names,
The customer database records the names of the plurality of persons as the second name so that priorities set in advance for each of the names become clear.
The customer classification unit is configured such that, for a customer in which the first name and the second name match at least in part, the first name and at least one of the names or names of the plurality of persons constituting the second name An information processing system that classifies customers having the same priority set in advance in names or names of persons that partially match, and classifies customers having different priorities into different groups. . An information processing system according to claim 5 or 6,
A map data generating unit that generates map data indicating a map including information indicating the classification result based on the resident database and the classification result by the customer classification unit;
A display unit for displaying the map based on the map data;
An information processing system further comprising: An information processing system according to any one of claims 1 to 7,
The information processing system, wherein the second name is a name or a name written on a nameplate existing at an address. A data structure,
Information indicating whether or not the customer belongs to the same household living with a different person, information indicating the classification result of the customer according to at least one of the relationship between the customer and the different person, and , With the customer's name or name,
The classification result is
Customer data which is information including a first name consisting of the customer's name or name and information indicating the address of the customer;
Resident data, which is information including information indicating an address, and a second name consisting of the name or name of a person associated with the address;
A data structure that is a result obtained by classifying into one of a plurality of groups based on both data.

Images