JP2017021694A - Financial commodity sales support system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To support financial commodity sales for an appropriate investment solicitation to an elderly customer.SOLUTION: A financial sales supporting system includes a business system and a TV conference system. The business system includes a business database server and a client terminal. The business database server includes a table for a customer attribute and a determination condition according to a commodity and for performing required action. When a customer attribute and a product name are inputted, the business database server lists an item required for carrying out on a display part of the client terminal.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a financial product sales support system.

The rules of the Japan Securities Dealers Association include the rules of Non-Patent Document 1, and Article 5-3 provides for sales by solicitation for elderly customers. Association members need to make appropriate investment solicitations for elderly customers.
Non-Patent Document 2 is a guideline for soliciting elderly people from the Japan Securities Dealers Association.

  As a prior art document, for example, Patent Document 1 discloses a technique for executing a wide range of compliance checks by associating business data, customer data, and manual input data stored in a database.

JP 2004-227035 A

Japan Securities Dealers Association, “Rules on Investment Solicitation and Customer Management for Association Members” Japan Securities Dealers Association, “Japan Securities Dealers Association Guidelines for Inviting Seniors”

  An object of the present invention is to provide financial product sales support in order to seek appropriate investment solicitation for elderly customers.

  The financial product sales support system of the present invention is a financial product sales support system having a business system and a TV conference system, the business system has a business database server and a client terminal, and the business database server corresponds to customer attributes and products. Judgment criteria and a table for performing necessary actions, the business database server displays a list of items required for export on the display part of the client terminal when customer attributes and product names are entered And

  A financial product sales support system according to the present invention is the above-described financial product sales support system, further including a salesperson terminal and a customer family terminal, and the TV conference system includes a client terminal and a salesperson terminal. It is characterized in that a TV conference can be performed at a customer family terminal.

  The financial product sales support system of the present invention is the above-described financial product sales support system, wherein the business system notifies the sales application terminal and the customer family terminal of the information applied for taking out.

  Further, the financial product sales support system of the present invention is a financial product sales support system having a business system, the business system has a business database server and a client terminal, and when the client terminal receives a determination condition, It is characterized by reading out and displaying items of confirmation of officers and family consent from a determination table of a database server and a table of necessary actions.

  According to the present invention, it is possible to provide financial product sales support in order to make an appropriate investment solicitation for elderly customers.

It is a system diagram for explaining a financial product sales support system according to an embodiment of the present invention. It is a table figure of the judgment conditions and required action of the financial product sales support system concerning one example of the present invention. It is a customer attribute table of a financial product sales support system concerning one example of the present invention. It is a flowchart for demonstrating the whole financial product sales assistance system which concerns on one Example of this invention. It is a flowchart for demonstrating the process at the time of the taking-out application of the document and electronic data of the financial product sales support system which concerns on one Example of this invention. It is a flowchart for demonstrating the process at the time of target customer visit of the financial product sales assistance system which concerns on one Example of this invention. It is a screen figure of the financial product sales support system which concerns on one Example of this invention. It is a screen figure of the terminal of the financial product sales support system which concerns on one Example of this invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a system diagram and a terminal screen diagram for explaining a financial product sales support system according to an embodiment of the present invention.
The financial product sales support system according to an embodiment of the present invention includes a business system 110, a TV conference system 120, networks 131 and 132, a terminal 141, and a terminal 151 at a remote location 160.

The business system 110 includes a client terminal 111 having a display unit and input devices such as a keyboard and a pointing device, a business database server 112 storing customer data and software for performing business processing, and networks 131 and 132. Via a web server 113 that transmits and receives data to and from an external device.
The video conference system 120 includes an audio / video database server 121 that stores business negotiations with customers, and a mail server 122 that transmits and receives mails with the terminals 141 and 151.
The networks 131 and 132 may be wireless.

Next, determination conditions and necessary actions of the financial product sales support system according to an embodiment of the present invention will be described with reference to FIGS.
FIG. 2 is a table of determination conditions and necessary actions of the financial product sales support system according to an embodiment of the present invention.
The determination table of the financial product sales support system in FIG. 2 and a table of necessary actions are stored in the business database server 112.
The table in FIG. 2 divides the solicitable product and the solicitation-aware product according to the customer's age, and the necessary actions (necessary items) at the time of sales by the salesperson differ between the solicitable product and the solicitation-aware product.

In FIG. 2, the solicitable product is a product that can be solicited without prior approval by the officer, such as a government bond, a straight corporate bond, or a public and corporate bond.
The solicitation consideration products are, for example, REIT (Real Estate Investment Trust), ETF (Exchange-Traded Fund, listed investment trust), ETN (Exchange-Traded Note, index-linked securities), and the like.
The confirmation of the officer is that the officer approves the customer visit of the salesperson (person in charge) in advance.
The family consent is to confirm whether the customer understands the understanding level of the product and the intention to purchase as “family confirmation” in the case of attending on the day. In addition, in the case of confirmation in advance, it is necessary to confirm the presence / absence of a “purchase instruction” signed by the family.

FIG. 7 is a screen view of a financial product sales support system according to an embodiment of the present invention.
The display screen 700 is a screen diagram displayed on the display unit of the client terminal 111 or the terminal 141. The display screen 700 is linked to the table of FIG.
In FIG. 7, for example, when “1002” is entered in the customer number input box 711 and the customer search button 712 is pressed, the customer name and customer attribute are read from the customer attribute table of the business database server 112. “Jiro Kokusai” 713 is displayed as the name, and “80 years old or older” 714 is displayed as the customer attribute. In addition, you may display age in a customer attribute.

  Next, for example, when “SH00004” is input to the product number input box 715 and the product search button 716 is pressed, the product name and the product are read from the product table of the business database server 112, and “ “REIT” 717 is displayed, and “inviting product for solicitation” 718 is displayed for the product. In addition, the “person in charge” 719 is displayed for the order manager.

  The order timing selection box includes a selection box 720 on the same day and a selection box 721 on and after the next day. For example, if the selection box 720 is selected, items of confirmation of the officer and family agreement are read from the determination condition and necessary action table stored in the business database server 112, and the officer in the necessary action column is read. “Necessary” 721 is displayed for confirmation, and “necessary” 722 is displayed for family consent.

Next, a table of the financial product sales support system according to an embodiment of the present invention will be described with reference to FIG.
FIG. 3 is a customer attribute table of the financial product sales support system according to an embodiment of the present invention.
The table of FIG. 3 is stored in the business database server 112.
The customer attribute table in FIG. 3A stores a customer number, customer name, age, date of birth, address, family email address, family representative, and the like.
The contact history table in FIG. 3B stores a contact history with a customer, and stores a customer number, a contact history number, a contact date, a contact start time, a contact end time, and the like.
The voice / moving picture storage table of FIG. 3C stores voices, moving pictures and the like when dealing with customers.
The product table in FIG. 3D is a table for distinguishing solicitable products or solicited products for each product, and stores product numbers, product names, product categories, and the like.

Next, a processing flow of the entire financial product sales support system according to an embodiment of the present invention will be described with reference to FIG.
FIG. 4 is a flowchart for explaining the entire financial product sales support system according to an embodiment of the present invention.
When the processing is started and the customer number and the product number are input from the client terminal 111 (S401), the business database server 112 displays a list of applications and the like necessary for product sales on the display unit of the client terminal 111 ( S402).
In the process of S403, when a contact history schedule is input from the client terminal 111, the contact history schedule is stored.
In the process of S404, when information on a take-out application is input from the client terminal 111, information on the take-out application is stored.

When the business negotiation server is input from the client terminal 111 or the terminal 141, the business database server 112 determines whether or not the business negotiation has been established (S405). If the business negotiation has been established (YES), the business database server 112 proceeds to the processing of S407. If the negotiation is not successful (NO), the process proceeds to S406.
In the process of S406, the negotiation failure is stored in the contact history table, and the process ends.
In the process of S407, it is determined whether family approval is necessary or not based on the customer attribute and the product for which the negotiation has been established. If family approval is required (YES), the process proceeds to S409, and if family approval is not required (NO). Proceeds to S408.
In the processing of S408, the negotiation establishment is stored in the contact history table, and the processing ends.
In the process of S409, the mail server 122 notifies the mail address of the customer's family that the family approval is required.

In the process of S410, when the terminal 141 conducts a TV conference with the customer family's terminal 151, the audio data and video data of the TV conference are transmitted to the audio / video database server 121, and the audio / video database server 121 is transmitted. The audio data and video data of the TV conference that has been received are stored in the audio / video storage table in association with the audio video number.
In the process of S411, the business database server 112 associates the audio data and video data of the TV conference with the contact history table.

The business database server 112 determines whether or not the family is approved (S412). If the family approves (YES), the process proceeds to S414. If the family does not approve (NO), the process proceeds to S413.
FIG. 8 shows a display unit 1510 of the terminal 151. When a family member participates in a TV conference while viewing the image display unit 1511 in the TV conference and approves the purchase of the product, the signature is signed in the signature box 1512 and the family approval is obtained when the approval button 1513 is pressed. The business database 112 determines.

In the processing of S413, the negotiation failure is stored in the contact history table, and the processing ends.
In the process of S414, the establishment of the negotiation is stored in the contact history table, and the process proceeds to S415.
In the process of S415, approval information is additionally stored in the contact history table.
In the process of S416, the input contact history information is stored in the contact history table, and the process ends.

Next, a processing flow of electronic data take-out application of the financial product sales support system according to an embodiment of the present invention will be described with reference to FIG.
FIG. 5 is a flow chart for explaining processing at the time of filing application for electronic data in the financial product sales support system according to one embodiment of the present invention.
When the business database server 112 starts processing, the customer number and product number are input from the client terminal 111 (S501), and the visit date setting and take-out application are input, the customer number, product number, and visit are entered in the contact history table. The date and take-out document are stored (S502), and the process proceeds to S503.

In the process of S503, it is determined whether or not advance approval is required for the officer. If the advance approval is required (YES), the process proceeds to S504. If the advance approval is not required (NO), the process proceeds to S506.
In the process of S504, prior approval is notified to the officer's terminal, and the process proceeds to S505.
In the process of S505, the result of the pre-approval input at the officer's terminal is determined, and if approved (YES), the process proceeds to S506, and if not approved (NO), the process returns to S501. .

In the process of S506, it is determined whether family consent is necessary. If family consent is required (YES), the process proceeds to S507. If family consent is not required (NO), the process proceeds to S510.
In the process of S507, it is determined whether or not a family member can be present on the day of the visit. If YES, the process proceeds to S508. If NO, the process proceeds to S509.

In the process of S508, in order to request the family in the remote place 160 to attend the meeting via the mail server 122, the terminal 151 is notified by mail, and the process proceeds to S510.
In the process of S509, the “buy instruction” is notified to the family terminal 151 in the remote place 160 via the mail server 122, and the process proceeds to S510.
In the process of S510, a list of necessary items is displayed on the display unit of the client terminal 111, and the process ends.

Next, a processing flow when a salesperson of a financial product sales support system according to an embodiment of the present invention visits a customer will be described with reference to FIG.
FIG. 6 is a flow chart for explaining processing at the time of visiting the target customer of the financial product sales support system according to one embodiment of the present invention.
When the business database server 112 starts processing and the customer number and the visit date are input from the terminal 141 used when the salesperson visits the customer, the business database server 112 outputs the electronic data of the take-out application to the terminal 141 (S601). Proceed to processing.

In the process of S602, the necessity of family consent is determined from the stored customer number and product number of the application for take-out. If family consent is required (YES), the process proceeds to S603, and if family consent is not required (NO ), The process proceeds to S608.
In the process of S603, the presence / absence of a “approval instruction” approved by the family is determined. If there is a purchase instruction (YES), the process proceeds to S608, and if there is no purchase instruction (NO). Advances to the process of S604.

In the process of S604, the terminal 151 of the customer family in the remote place 160 is connected to the site of the TV conference system 120, the information of the electronic data requested for take-out is notified to the terminal 151, and the process proceeds to S605.
In the process of S605, the mutual link between the client terminal 111 or the terminal 141 and the terminal 151 is established, and the process proceeds to the process of S606.
In the process of S606, the hearing information is displayed on the terminal 151 from the client terminal 111 or the terminal 141, and the process proceeds to S607.
The processing from S604 to S606 is a remote family approval function of the financial product sales support system according to an embodiment of the present invention.

In the process of S607, the presence or absence of approval from the terminal 151 of the customer family in the remote place 160 is determined. If approval is obtained (YES), the process proceeds to S608, and if approval is not obtained (NO). Ends the process.
In the process of S608, the sales procedure is processed and the process is terminated.

  The financial product sales support system according to the embodiment of the present invention can provide financial product sales support for making an appropriate investment solicitation for elderly customers.

  Although the present invention has been described in detail above, it is needless to say that the present invention is not limited to the financial product sales support system described herein, and can be widely applied to other financial product sales support systems. .

  It can be applied to applications that require changes to the procedures for products to be sold depending on the age of the customer.

  110: Business system, 111: Client terminal, 112: Business database server, 113: WEB server, 120: TV conference system, 121: Audio / video database server, 122: Mail server, 131, 132: Network, 141: Terminal, 151: terminal, 160: remote place, 1510: display unit, 1511: image display unit, 1512: signature box, 1513: approval button.

Claims (4)

In a financial product sales support system having a business system and a TV conference system,
The business system has a business database server and a client terminal,
The business database server has a table for performing determination conditions and necessary actions according to customer attributes and products,
The business database server, when a customer attribute and a product name are input, displays a list of items necessary for export on the display unit of the client terminal. The financial product sales support system according to claim 1,
In addition, it has a sales staff terminal and customer family terminal,
The TV conference system is a financial product sales support system characterized in that a TV conference can be performed by the client terminal, the salesperson terminal, and the customer family terminal. The financial product sales support system according to claim 2,
The said business system notifies the information applied for taking-out to the said sales staff terminal and the said customer family terminal, The financial product sales support system characterized by the above-mentioned. In a financial product sales support system having a business system,
The business system has a business database server and a client terminal,
The client terminal, when a determination condition is inputted, reads and displays items of confirmation of the officer and family consent from the determination table of the business database server and a table of necessary actions. system.

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