JP2017091012A - Business support system, business support server, business support method and banking operation processing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a business support system, a business support server, a business support method and a banking operation processing method for efficiently making business proposals and satisfying customers.SOLUTION: The business support system 1 shown in figure 1 includes a customer terminal 2 and a customer information management server 3. A data collation section 301 determines whether customer authorization information, that is transmitted from an input information transmission section 20 to an information transmission/reception section 310, conforms with a part of customer attribute related information recorded in a customer personal information database 300. If the information parts are in mutual conformity according to the data collation section 301, customer request processing is received by the tablet terminal 2. Upon completion of receiving the customer request processing, a proposable service extraction section 320 extracts proposable service information on the basis of prescribed conditions. The extracted proposable service information is transmitted from the information transmission/reception section 310 to the tablet terminal 2.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a sales support system, a sales support server, a sales support method, and a banking business processing method. Specifically, the present invention relates to a sales support system, a sales support server, a sales support method, and a banking business processing method that enable efficient business proposals and that can easily satisfy customers.

  Banks and other financial institutions start with identity verification, and include a wide range of services, including customer transactions, regular transactions such as deposits, withdrawals, and transfers, as well as consultations on loans and financial products, and procedures related to these. For this reason, the bank employees were busy with their daily work, and there was a situation in which product proposals and explanations according to the background and nature of the customers could not be made sufficiently.

  In such a situation, it is impossible to provide products to customers at an appropriate timing, and it may happen that a precious business opportunity is lost. In addition, there are cases where customer complaints can occur.

  In order to avoid such a situation as much as possible, for example, a system as shown in Patent Document 1 has been proposed. Patent Document 1 discloses a clerk support-type window reception system and window processing method that can provide services while monitoring the operation status of customer terminals with other terminals.

JP 2013-148978 A

  The invention described in Patent Document 1 can read a document for identity verification with a scanner. However, in the present invention, the final confirmation is made visually, and it is difficult to say that the burden on the employee's duties has been reduced.

  In addition, among many services, the proposal of a service according to the customer's situation, that is, the life background and the nature, is largely due to the accidental awareness of the employee. For this reason, it is fully considered that a service proposal that matches the customer's needs may be missed, and the problem of missing the customer's business opportunity has not been solved.

  In addition, the processing of business in a bank is usually performed via a paper medium, and it takes a long time to record and execute business content from customer application. For this reason, there is a need for a new mechanism that improves operational efficiency and enables more aggressive business proposals.

  The present invention was devised in view of the above points, and provides a sales support system, a sales support server, a sales support method, and a banking business processing method that are capable of efficient business proposals and that can easily obtain customer satisfaction. The purpose is to provide.

  In order to solve the above-described problems, the business support system of the present invention receives a customer confirmation information transmission unit that transmits customer confirmation information including identification information that can identify a customer, and proposal service information related to a service proposed to the customer. A customer terminal having a proposed service information receiving unit; a customer confirmation information receiving unit that receives customer confirmation information transmitted from the customer confirmation information transmitting unit; information about customer attributes; and a service used by the customer A customer personal information recording unit that records customer personal information including information, a service information recording unit that provides service information relating to services that can be provided to the customer, and a customer information recorded in the customer personal information recording unit. Based on the attribute information and the customer confirmation information received by the customer confirmation information receiving unit, the customer attribute information and the identification information are identical. A customer confirmation information collation determination unit for determining whether or not to perform, and the customer recorded in the customer personal information recording unit when the customer attribute information collation determination unit and the customer attribute information match the identification information Based on the personal information, the proposed service information extracting unit for extracting predetermined proposed service information to be proposed to the customer from the available service information recording unit, and the proposed service information extracted by the proposed service information extracting unit A customer information management server having a proposal service information transmission unit to be transmitted to the reception unit;

  Here, the customer can be individually specified by the customer confirmation information including the identification information that can identify the customer.

  Moreover, the customer confirmation information which can identify a customer can be transmitted by the customer confirmation information transmission part which transmits the customer confirmation information containing the identification information which can identify a customer. Since the identification information is associated with the customer personal information recorded in the customer personal information recording unit, which will be described later, if the identification information is input, the customer personal information corresponding to the identification information can be assigned. It has become.

  Moreover, the service information which can be proposed to the customer by the customer terminal can be received by the proposed service information receiving unit which receives the proposed service information related to the service proposed to the customer.

  Moreover, the customer confirmation information which can identify a customer can be received by the customer confirmation information receiving part which receives the customer confirmation information transmitted from the customer confirmation information transmission part of the customer information management server.

  Further, the customer personal information recording unit for recording customer personal information including information on customer attributes and information on services used by the customers can record customer attributes and information on services in use. The customer attribute information includes, for example, name written in kanji, name written in kana, postal code, address written in kanji, address written in kana, home phone number, mobile phone number, date of birth , Including gender, age, business name, etc. Further, the information related to the service being used by the customer means, for example, a service provided by the bank, such as whether a bank account is opened or whether it is a salary transfer destination account.

  Also, the service information that can be provided to the customer can be recorded by the service information recording unit that can provide the service information that can be provided to the customer. The service provided to the customer means a service that can be provided to the customer in banking operations such as opening an account, time deposit, automatic remittance, setting up a loan or loan, and selling an investment trust.

  Further, the customer who determines whether the information about the customer attribute matches the identification information based on the customer attribute information recorded in the customer personal information recording unit and the customer confirmation information received by the customer confirmation information receiving unit. The confirmation information collating / determining section can identify the customer, that is, perform identity verification. In addition, the information regarding a customer's attribute should just be what can be attached | subjected with identification information, such as the customer specific number provided to the customer from the bank A side beforehand, the combination of a name and a PIN code, for example.

  In addition, when the customer confirmation information collation determination unit matches the customer attribute information and the identification information, the predetermined service information recording unit proposes to the customer based on the customer personal information recorded in the customer personal information recording unit. The proposed service information extracting unit that extracts the proposed service information can extract services that can be proposed based on the attributes of the customers and the services in use. That is, for example, based on information such as family structure, salary, pension receipt, etc., the customer's life background, whether or not a cash card with a credit function is used, etc., accompanies services that are not used or used by customers The service is extracted as a proposed service.

  In addition, the customer confirmation information receiving unit that receives the customer confirmation information transmitted from the customer confirmation information transmitting unit, the customer personal information that records the customer personal information including the information on the customer attribute and the information on the service being used by the customer Whether the identification information matches with the information about the customer attribute based on the customer attribute information received by the recording unit, the customer attribute information recorded in the customer personal information recording unit, and the customer confirmation information receiving unit. Service information that can be provided based on the customer personal information recorded in the customer personal information recording unit when the customer confirmation information collation judgment unit and the customer confirmation information collation judgment unit match the customer attribute information and the identification information. The customer confirmation information received by the customer confirmation information receiving unit and the customer by the proposed service information extracting unit that extracts predetermined suggested service information to be proposed to the customer from the recording unit It is determined whether the customer personal information recorded in the human information recording unit match, if a match can perform a series of processing for extracting a proposed serviceable based on customer personal information.

  In addition, the proposed service information transmitting unit that transmits the proposed service information extracted by the proposed service information extracting unit to the proposed service information receiving unit, the proposed service information based on the customer attribute and the service being used is proposed service information receiving unit Can be sent to.

  In addition, in the customer personal information recording section, information on whether or not an account has been opened, information on the registration status of a cash card with a credit function, information on the history of product guidance, information on whether or not it is a designated bank for salary transfer and annuity, and At least one piece of information on the payment status of the ATM device overtime fee is recorded, and the proposed service information extraction unit obtains information on the creation of a cash card with a credit function based on the information recorded in the customer personal information recording unit. In the case of extracting as proposal service information, it is possible to provide information specialized for a service proposal relating to a cash card with a credit function.

  In addition, the customer personal information recording section includes information on whether or not an account has been opened, information on the presence or absence of a card loan contract, information on the history of product guidance, information on the balance of a deposit account, information on the number of times that the balance of a deposit account has been inquired, At least one of information on the customer's work place, information on mortgages, information on whether or not the mortgage is used and how long it has been used, information on the customer's residence, information on the customer's family structure, and information on transactions with other financial institutions When the information is recorded and the proposal service information extraction unit extracts information on the loan as the proposal service information based on the information recorded in the customer personal information recording unit, provision of information specialized for the service proposal on the loan Is possible. The loan-related service means, for example, a service related to a card loan, a public servant loan, a mortgage loan, a renovation loan, an education loan, and other loans.

  In addition, the customer personal information recording unit includes at least one of information on whether or not an account is opened, information on whether or not there is an internet banking service contract, information on a balance inquiry of a deposit account, and information on whether or not there is a purchase history of an investment trust. When the information related to the Internet banking service is extracted as the proposed service information based on the information recorded and recorded in the customer personal information recording unit, the information specific to the service proposal related to the Internet banking service Can be provided.

  In addition, the customer personal information recording section includes information regarding the customer's age, information regarding the transfer, information regarding the history of product guidance, information regarding the reason for opening an account, information regarding the customer's work place, information regarding the use history of the transfer, and other financial information. At least one piece of information related to the transaction with the institution is recorded, and the proposed service information extraction unit is responsible for pension-related services, salary receipt, automatic remittance or deduction of public charges based on the information recorded in the customer personal information recording unit. When information related to services is extracted as proposed service information, it is possible to provide information specialized for service proposals related to annuity-related services, salary receipt, automatic remittance, or withdrawal of utility charges.

  In addition, in the customer personal information recording section, information on the change history of customer attributes, information on opening an account under the same household name, information on product guide history, information on the family structure of the customer, information on the reason for opening the account At least one of the information on the account balance, the information on the investment trust usage history, and the information on the investment trust is recorded, and the proposed service information extraction unit relates to the financial product based on the information recorded in the customer personal information recording unit. When information is extracted as proposal service information, it is possible to provide information specialized for service proposals related to financial products. The service related to financial products means, for example, services related to funding, time deposits, government bonds, investment trusts, and NISA accounts.

  The customer personal information recording unit records at least one of information on whether or not there is a point service contract, information on the deposit amount, and information on whether or not there is a safe deposit box contract. When information related to the point service is extracted as the proposed service information based on the information recorded in the personal information recording unit, it is possible to provide information specialized for the service related to the point service. The point service is, for example, a service in which points are collected each time according to a deposit amount, and a service for discounting a safe deposit box usage fee when a point service is contracted.

  In addition, the customer information management server needs information on the customer's work place, customer's annual income, information on the customer's family structure, information on the customer's residence, information on the customer's debt, and information on the customer's repayment necessary for loan screening. If you have a customer loan information recording section that records information on the use of loans, information on borrowings at other loan companies, and information on the fact that the loan has been paid, information on customer attributes and services in use Information about the loan can be recorded.

  In addition, when the customer information management server has an examination standard information recording unit in which information relating to the examination of the loan is recorded, the loan can be examined based on a certain examination standard. Note that the loan review information includes, for example, the standard repayment ability of the customer by appropriately combining age, gender, presence / absence of real estate, workplace, annual income, length of service, employment status or personal credit information. Information that calculates and sets the upper limit of the borrowing amount.

  In addition, when the customer information management server has a loan screening unit that determines whether or not a loan screening standard is satisfied based on information recorded in the screening standard information recording unit and the customer loan information recording unit, the loan screening is performed. It can be determined automatically.

  In order to solve the above problems, the customer information management server of the present invention includes a customer confirmation information receiving unit that receives customer confirmation information including identification information that can identify a customer, information about customer attributes, and a customer currently using Recorded in the customer personal information recording unit for recording customer personal information including information related to services, a service information recording unit for providing service information related to services that can be provided to customers, and the customer personal information recording unit. A customer confirmation information matching determination unit for determining whether or not the customer attribute information and the identification information match based on the customer attribute information and the customer confirmation information received by the customer confirmation information receiving unit; When the customer confirmation information collation determination unit matches the customer attribute information and the identification information, the customer personal information recorded in the customer personal information recording unit And a proposed service information extracting unit for extracting predetermined proposed service information to be proposed to the customer from the available service information recording unit, and a proposed service information transmitting unit for transmitting the proposed service information extracted by the proposed service information extracting unit. With.

  Here, the customer confirmation information that can identify the customer can be received by the customer confirmation information receiving unit that receives the customer confirmation information.

  Further, the customer personal information recording unit for recording customer personal information including information on customer attributes and information on services used by the customers can record customer attributes and information on services in use.

  Also, the service information that can be provided to the customer can be recorded by the service information recording unit that can provide the service information that can be provided to the customer.

  Further, the customer who determines whether the information about the customer attribute matches the identification information based on the customer attribute information recorded in the customer personal information recording unit and the customer confirmation information received by the customer confirmation information receiving unit. The confirmation information collating / determining section can identify the customer, that is, perform identity verification.

  In addition, when the customer confirmation information collation determination unit matches the customer attribute information and the identification information, the predetermined service information recording unit proposes to the customer based on the customer personal information recorded in the customer personal information recording unit. The proposed service information extracting unit that extracts the proposed service information can extract services that can be proposed based on the attributes of the customers and the services in use. That is, for example, a service that suggests a service that is not used by the customer or that is associated with a service that is being used, such as the family structure, salary, pension receipt, etc. Extract as

  In addition, the customer confirmation information receiving unit that receives the customer confirmation information transmitted from the customer confirmation information transmitting unit, the customer personal information that records the customer personal information including the information on the customer attribute and the information on the service being used by the customer Whether the identification information matches with the information about the customer attribute based on the customer attribute information received by the recording unit, the customer attribute information recorded in the customer personal information recording unit, and the customer confirmation information receiving unit. Service information that can be provided based on the customer personal information recorded in the customer personal information recording unit when the customer confirmation information collation judgment unit and the customer confirmation information collation judgment unit match the customer attribute information and the identification information. The customer confirmation information received by the customer confirmation information receiving unit and the customer by the proposed service information extracting unit that extracts predetermined suggested service information to be proposed to the customer from the recording unit It determines whether to match customer personal information recorded in the human information recording unit, if there is a match can perform a series of processing for extracting a proposed serviceable based on customer personal information.

  In addition, the proposed service information transmitting unit that transmits the proposed service information extracted by the proposed service information extracting unit to the proposed service information receiving unit, the proposed service information based on the customer attribute and the service being used is proposed service information receiving unit Can be sent to.

  Customer information management server needs information on the customer's office, customer's annual income, customer's family information, customer's residence information, customer's debt information, customer repayment information, loan If you have a customer loan information recording section that contains information on the use of money, information on borrowings from other loan companies, and information on whether or not you have paid off, information on customer attributes and services in use and customer loans Information can be recorded.

  In addition, when the customer information management server includes an examination standard information recording unit in which information relating to the examination of the loan is recorded, the loan can be examined based on a certain examination standard.

  In addition, when the customer information management server has a loan screening unit that determines whether or not a loan screening standard is satisfied based on information recorded in the screening standard information recording unit and the customer loan information recording unit, the loan screening is performed. It can be determined automatically.

  Further, in order to solve the above-mentioned problem, the sales support method of the present invention includes a collation step for determining whether or not information on customer attributes matches customer confirmation information including identification information capable of identifying the customer, Proposal to the customer based on the customer attribute information or information on the service being used by the customer and the service information that can be provided to the customer when the customer attribute information matches the identification information in the matching process. And an extraction step for extracting predetermined suggested service information.

  Here, the customer identification, that is, the identity verification can be performed by the collation process for determining whether or not the information relating to the customer attribute matches the customer confirmation information including the identification information that can identify the customer. The information related to the customer attributes may be any information that can be added to the identification information, such as a customer identification number previously assigned to the customer from the bank side or a combination of a name and a password.

  In addition, when the customer attribute information and the identification information match in the matching process, the customer attribute information or the service used by the customer and the service information that can be provided to the customer are provided to the customer. By the extraction process of extracting predetermined suggested service information to be proposed, it is possible to extract services that can be proposed based on customer attributes and services in use. That is, for example, a service that suggests a service that is not used by the customer or that is associated with a service that is being used, such as the family structure, salary, pension receipt, etc. Extract as

  In order to solve the above-mentioned problem, the banking processing method of the present invention includes a step of presenting a predetermined banking operation to a customer via a tablet terminal, and application information relating to the contents of the selected banking operation. And receiving the data by inputting it to the terminal.

  Here, the process of presenting a predetermined bank operation to the customer via the tablet terminal enables a clear and prompt customer service via the tablet terminal. In other words, it is possible to display information on the content that the customer applies for on the screen of the tablet terminal and explain the content while talking to the customer. In addition, since information to be displayed can be changed by an operation on the screen of the tablet terminal, information can be presented quickly.

  Further, the application for banking business can be accepted without performing the work for filling in the application form on the paper medium by the step of inputting and accepting application information regarding the contents of the selected banking business to the tablet terminal. That is, for example, the application can be completed by the operation of operating the screen of the tablet terminal together with the customer at the window. In addition, since the requested information is sent to the accounting host computer via the tablet terminal, there is no need to input information on a separate dedicated terminal, and the work can be completed at the contact point with the customer. It becomes. In addition, it is possible to complete identity verification, inquiry and registration of data recorded on the accounting host computer, and creation of a checklist by operating the tablet terminal alone, eliminating the need for other personnel to review the application procedure. be able to.

  When providing a process for verifying the identity of a customer via a tablet terminal, it is possible to quickly verify the identity by collating the information related to the identity verification entered from the tablet terminal with the information registered in the accounting host computer. It can be carried out. The banking host computer is an information system in which banking business information is stored, and information processing in banking business composed of a banking system that enables identity verification and various inquiries in conjunction with the information system. Is the center of Here, customer personal information including information relating to customer attributes and information relating to services used by the customer is recorded.

  If you have a process to automatically send the application information entered and accepted to the tablet terminal to the account host computer and register it on the account host computer, enter the application information from the tablet terminal and apply to the account host computer. Information can be registered. That is, the application information can be converted into immediate data.

  After the application information is registered in the account host computer, if the process includes a process for proposing a service that can be proposed based on information on the customer's past application and information on the customer's attributes, the service that is necessary and optimal for the customer is provided. Proposals can be made immediately. That is, since the proposal work is performed after the application information is immediately converted into data, the customer can immediately receive a proposal regarding the contents of the application, which easily leads to customer satisfaction. In addition, the bank side can easily make use of the separate banking services by customers, which can lead to profits.

  When the application information is registered in the account host computer, and if there is a process in which at least part of the office work related to the selected work automatically proceeds, the selected work should be performed more quickly and easily. Can do. That is, for example, when an application for borrowing a loan is made at a tablet terminal, information on the application contents is registered in the account host computer, and the examination of the loan is promoted in conjunction with the terminal of the examination department. it can.

  After the application information is registered in the account host computer, it is possible to automatically manage the progress of work if it has a process to automatically set schedule information related to the progress of office work related to the selected work. It becomes. In other words, banking applications that require multiple interviews and information exchanges with customers, such as application for mortgage loans and inheritance applications, are registered in the account host computer, and then the customer's home Schedule information such as visit requests and next visit reservations can be automatically set and proposed to the customer.

The sales support system according to the present invention enables efficient sales proposals and is easy to obtain customer satisfaction.
In addition, the sales support server according to the present invention enables efficient sales proposals and is easy to obtain customer satisfaction.
In addition, the sales support method according to the present invention enables efficient business proposals and is easy to obtain customer satisfaction.
In addition, the banking business processing method according to the present invention enables efficient business proposals and is easy to obtain customer satisfaction.

It is the schematic which shows an example of the structure of a sales support system. It is the conceptual diagram which showed the relationship between the proposal service information of a sales support system, and the information regarding a customer's attribute. It is the conceptual diagram which showed the relationship between the proposal service information of a sales support system, and the information regarding a customer's attribute. It is the conceptual diagram which showed the relationship between the proposal service information of a sales support system, and the information regarding a customer's attribute. It is the conceptual diagram which showed the relationship between the proposal service information of a sales support system, and the information regarding a customer's attribute. It is an example of the screen displayed on the terminal for customers when the service information which can be proposed is extracted. It is the schematic which shows an example of the flow of the sales support system of this invention. It is a block diagram which shows a prior art.

  Hereinafter, embodiments of the present invention will be described with reference to FIG. 1 to FIG. 4 for understanding of the present invention. In addition, the structure shown below is an example to the last of the content which applied this invention, Comprising: The content of this invention is not limited to this, It can change suitably.

[First Embodiment]
A sales support system 1 shown in FIG. 1 operates in a system related to the operations of Bank A, and includes a tablet terminal 2 and a customer information management server 3 which are examples of customer terminals. The tablet terminal 2 is a terminal on which an individual customer who uses a service provided by Bank A performs input work. The customer information management server 3 is an information management server that is operated and managed by the bank A side.

  The tablet terminal 2 includes an input information transmission unit 20 and a suggestable service reception unit 21. The input information transmission unit 20 is an example of a customer confirmation information transmission unit, and customer information management including customer identification information including customer identification information of card information such as an input personal identification number and an account number recorded on a cash card is described later. The information is transmitted to the information transmission / reception server 31 of the server 3. The customer specifying information is an example of identification information, and refers to information that can specify an individual such as an account number recorded on a cash card. The customer authorization information is an example of customer confirmation information, and refers to information about other customers recorded on the cash card together with the customer identification information.

  The suggestable service receiving unit 21 receives suggestable service information transmitted from an information transmission / reception server 31 constituting a part of the customer information management server 3 described later.

  Since the customer identification information is associated with the customer personal information recorded in the customer personal information database 300 described later, when the customer identification information is input, the customer personal information corresponding to the customer identification information is assigned. Be able to.

  The tablet terminal 2 can be connected to a device such as a known pin pad, barcode reader, or scanner, and information input or read by each connected device is input to the customer information management server 3 by the input information transmission unit 20. Transmission is possible. It is also possible to give the tablet terminal 2 the function of each connected device as application software.

  The tablet terminal 2 is also connected to a printer capable of printing a document with a QR code (registered trademark), and the document printed with information to be transmitted from the tablet terminal 2 to the outside, or the information input on the terminal is reflected. Application forms can be printed. An application form with a QR code (registered trademark) can be read by a store terminal installed in a bank store via a bar code reader, and the customer terminal management server 3 can be accessed from the store terminal side to process the information. .

  The customer information management server 3 includes a host server 30, an information transmission / reception server 31, and a suggestable service information server 32.

  The host server 30 includes a customer personal information database 300 and a data verification unit 301. The customer personal information database 300 is an example of a customer personal information recording unit, and stores customer personal information including information on customer attributes and information on services currently used by the customer.

  Information on customer attributes includes, for example, information on accounts such as name, age, and PIN, information on cash cards, information on product information history, information on account usage, information on loans, work, This information includes information on debts such as mortgages, information on transactions with other financial institutions, and information on family members in the same household, such as family composition.

  Information on services currently being used by customers includes, for example, information on whether or not an A bank account is opened, information on whether or not a cash card with a credit function is issued, information on loans, information on internet banking, pension and salary Including information on account usage such as receipt of information, information on financial products such as insurance, etc.

  The data collating unit 301 is an example of a customer confirmation information collating / determining unit, and includes a part of information related to customer attributes recorded in the customer personal information database 300 and customer certification information sent from the input information transmitting unit 20. Check to see if they match. A specific verification flow will be described later.

  The information transmission / reception server 31 includes an information transmission / reception unit 310 and a reception information recording unit 311. The information transmission / reception unit 310 is an example of a combination of the customer confirmation information reception unit and the proposed service information transmission unit, and has a communication function capable of transmitting / receiving information to / from the tablet terminal 2, the host server 30, and the suggestable service information server 32. Yes.

  The received information recording unit 311 is an example of a customer personal information recording unit, and records information received by the information transmitting / receiving unit 310. Of the information recorded in the received information recording unit 311, information necessary for writing in the passbook, such as for withdrawals and deposits, is transmitted to the host server 30 and recorded in the customer personal information database 300 for sharing information. It is supposed to be.

  Further, the information transmitting / receiving unit 310 can receive information related to a service application or the like input from the tablet terminal 2 and can transmit information to the host server 30 via a communication function. Thereby, the service application using the tablet terminal 2 can be processed by the host server 30.

  The suggestable service information server 32 includes a suggestable service extraction unit 320 and a service information recording unit 321. The suggestable service extraction unit 320 is an example of a suggestable service extraction unit, and among the service information recorded in the service information recording unit 321, whether the remaining services excluding the services already in use meet certain requirements? The service information that can be proposed that meets the requirements is extracted. The extracted suggestable service information is transmitted from the information transmitting / receiving unit 310 to the tablet terminal 2. A specific extraction flow will be described later.

  In the present embodiment, the remaining services excluding the services already used by the customer are the extraction targets of the proposed service information, but the content of the present invention is not limited to this. The configuration may be such that service proposal information for further enhancing the content of the service is extracted for the customer already using the service of Bank A. For example, when the customer is already offering a fixed deposit service, when the interest rate fluctuates, it may be possible to propose a set amount according to this as service proposal information.

  As described above, it is possible to apply for a service provided by the bank A to the customer via the tablet terminal 2.

  The information on the suggestable service transmitted from the suggestable service information server 32 is displayed on the screen of the tablet terminal 2. An example of the screen displayed at this time is shown in FIG. The customer can select a service that interests them and view a pamphlet with information about the service on the tablet terminal. If desired, an application screen (not shown) can be displayed and applied. Further, when the application acceptance is completed, the product contract information including the negotiation history up to the application is transmitted to the information transmitting / receiving unit 310, and the product contract information received by the information transmitting / receiving unit 310 is recorded in the received information recording unit 311. .

  It is also possible to specify the date and time separately, and enter and register next visit reservations, customer visit requests to the home, and the like.

  Further, when processing is delayed due to a failure in registering or updating information in the customer personal information database 300, customer personal information is obtained from the customer identification information and customer authorization information recorded in the received information recording unit 311. Necessary information can be transmitted to the database 300, and the registration process in the customer personal information database 300 can be automatically performed. Alternatively, it is possible to make an application from the tablet terminal 2 impossible by using the unusable flag possessed by each tablet terminal 2.

Below, the flow of data from when a customer inputs customer certification information from the tablet terminal 2 until a service that can be proposed is displayed on the screen of the tablet terminal 2 will be described in detail.
It is to be noted that the identification of a customer is an important issue in a financial institution. When comparing input customer identification information with customer personal information recorded in the customer personal information database 300, it is possible to identify a customer if which information matches. Whether it will be completed is set individually by each financial institution. In this regard, in the first embodiment, as an example, the customer is specified using the card information and the personal identification number recorded on the cash card.

  First, using a reading device such as a pin pad (not shown) connected to the customer terminal 2, the card information of the cash card is read and a password is input from the tablet terminal 2. These pieces of information are transmitted from the input information transmission unit 20 to the information transmission / reception unit 310 as customer certification information.

  At this time, the customer authorization information transmitted from the input information transmission unit 20 to the information transmission / reception unit 310 is stored in the customer personal information database 300 and the reception information recording unit 311. The customer authorization information is stored in the customer personal information database 300 and the reception information recording unit 311 without being erased even after the procedure is completed.

  For this reason, in various procedures to be performed later, the customer authorization information is read from the customer personal information database 300 and the reception information recording unit 311 as necessary, and thus the state already described in the form of the procedure sheet on the screen Can be displayed. In addition, when the procedure sheet is printed, it can be printed on the procedure sheet. Therefore, it is not necessary to repeatedly input or fill in the procedure sheet every time the customer performs a procedure, thereby reducing the burden on the customer.

  Customer authorization information is transmitted from the information transmitting / receiving unit 310 to the data collating unit 301. The data matching unit 301 determines whether the transmitted personal identification number, which is customer identification information, matches the personal identification number, which is one of the information relating to the customer attributes recorded in the customer personal information database 300.

  When the data collation unit 301 matches both passwords, information indicating that they match is transmitted to the information transmitting / receiving unit 310. The information transmitting / receiving unit 310 that has received this information transmits customer certification information such as an account number to the customer personal information database 300 and reads the customer personal information from the customer personal information database 300. The read customer personal information is recorded in the received information recording unit 311 and is displayed on the procedure sheet in advance in various procedures including application for service, which will be described later, or already on the sheet for printing. You can use it by printing it in the state filled in.

  When the customer personal information is transmitted from the information transmitting / receiving unit 310 to the suggestable service extracting unit 320, the suggestable service extracting unit 320 reads the service information recorded in the service information recording unit 321, and the customer can read the service information from these services. Excludes services already in use. Thereafter, for a service that is not yet used, it is confirmed whether or not a certain condition provided for each service is satisfied.

Each service recorded in the service information recording unit 321 and conditions necessary for receiving the service are as shown in FIG. For example, in the second pattern of the card loan, the information regarding the presence or absence of the contract of the card loan is confirmed as to whether or not the condition of “not contracted with the card loan” being the first condition is satisfied.
In addition, as to whether or not a second condition “direct mail sending or explanation by bank A bank employee in the past” is satisfied, “information regarding product guide history” is confirmed. At this time, information serving as a basis for determining whether or not a necessary condition is satisfied is recorded in the proposed service extraction unit 320 as customer personal information.

  The extracted suggestable service information is sent to the information transmitting / receiving unit 310 and then sent from the information transmitting / receiving unit 310 to the tablet terminal 2. At this time, service information that can be proposed as shown in FIG. 3 is displayed on the screen of the tablet terminal 2, and the customer can select a desired service and make an application.

  A flow for extracting the service information that can be proposed will be described. Specifically, the following procedure is performed. In the first embodiment, the extracted service is “creation of a credit card with a credit function”.

(Step 1) Customer personal information including information relating to customer attributes and information relating to services being used by the customer is sent from the data matching unit 301 to the suggestable service extracting unit 320.
Here, information on customer attributes includes at least information on whether or not an account has been opened, information on the registration status of a cash card with a credit function, information on product information history, information on whether or not the bank is a designated bank for salary transfer and annuity And information on the payment status of ATM equipment overtime fees.

  (Step 2) Based on the information on the service being used by the customer, the service already used by the customer is removed from all the services that can be proposed recorded in the service information recording unit 321.

  In the present embodiment, the remaining services excluding the services that are already being used by the customer are the extraction targets of the proposed service information, but the content of the present invention is not limited to this. The configuration may be such that service proposal information for further enhancing the content of the service is extracted for the customer already using the service of Bank A.

  (Step 3) Whether or not the suggestable service extraction unit 320 can provide a service of “creating a cash card with a credit function” based on information corresponding to the customer attribute for each pattern described below. Determine whether.

[First pattern]
Assume a customer who does not have an account with Bank A. In order to receive the provision of this service, the following conditions are required.
The conditions for proposing this service are “has not yet opened an account in bank A” and “is a customer who will open a new account from now on”.
Whether or not this condition is satisfied is determined by “information on whether or not an account is opened” in the information relating to customer attributes.

[Second pattern]
Assume a customer who already has an account with Bank A. In order to receive the provision of this service, the following conditions are required.
The conditions for proposing this service are: "You have already opened an account with Bank A", "You have not signed up for a cash card with credit function" and " What bank A employees have explained in the past.
Whether or not this condition is satisfied is determined by “information on whether or not an account is opened”, “information on the registration status of a cash card with a credit function” and “information on a history of product guidance” among information on customer attributes.

[Third pattern]
Assume a customer who already has an account with Bank A. In order to receive the provision of this service, the following conditions are required.
The conditions for proposing this service are: “A bank account has already been opened”, “A cash card with credit function is not contracted”, “A bank is designated for payroll transfer” And “A fee was paid for using an ATM device outside business hours”.
Whether or not this condition is met is determined based on the information on the customer attributes such as “information on whether an account has been opened”, “information on the registration status of a cash card with credit function”, “information on whether or not the bank is a designated bank for salary transfer” and Judgment is made based on “information on payment status of ATM equipment overtime fee”.

[Fourth pattern]
Assume a customer who already has an account with Bank A. In order to receive the provision of this service, the following conditions are required.
The conditions for proposing this service are “A bank has already opened an account”, “No contract for a cash card with credit function”, “A pension transfer is designated to A bank And “payment of fees for using ATM equipment outside business hours”.
Whether or not this condition is satisfied is determined based on the information on customer attributes such as “information on whether or not an account has been opened”, “information on the registration status of a cash card with a credit function”, “information on whether or not the bank is a designated pension” and “ Judgment is made based on “information on payment status of ATM equipment overtime fee”.

[Fifth pattern]
Assume a customer who already has an account with Bank A. In order to receive the provision of this service, the following conditions are required.
The conditions for proposing this service are “A bank has already opened an account”, “No contract for a cash card with credit function”, “A pension transfer is designated to A bank And “payment of fees for using ATM equipment outside business hours”.
Whether or not this condition is satisfied is determined based on the information on customer attributes such as “information on whether or not an account has been opened”, “information on the registration status of a cash card with a credit function”, “information on whether or not the bank is a designated pension” and “ Judgment is made based on “information on payment status of ATM equipment overtime fee”.

(Step 4) If any one of the first to fifth patterns is applicable, it is sent to the tablet terminal 2 as service information that can be proposed, as will be described later. The customer examines whether or not he / she wishes for the service on the screen of the tablet terminal 2 and can confirm information such as a pamphlet of the service if necessary. A screen displayed on the tablet terminal 2 when this service is provided is shown in FIG.

  On the other hand, the service cannot be provided unless it corresponds to any of the first to fifth patterns. In this case, this service is not displayed on the screen of the customer terminal 2.

  The suggestable service information extracted by the suggestable service extracting unit 320 is sent to the information transmitting / receiving unit 310 and transmitted to the promissible service receiving unit 21 via the intra-network 4. The customer can check the suggestable service information displayed on the tablet terminal 2 and can consider whether to receive the service.

  Here, the identification of the customer is not limited to the card information and the personal identification number of the cash card, and the customer can be identified by the passbook and the personal identification number, or can be identified by the bankbook and the seal. When a customer is specified by a passbook and a password, an account number is input from the tablet terminal 2, a password is input from a reading device such as a pin pad, and this information is transmitted to the tablet terminal 2. And when specifying a customer by a passbook and a delivery seal, input an account number etc. from the tablet terminal 2, and output a prior confirmation slip for imprinting a seal stamp from a printer (not shown). The person in charge, who is a bank employee, verifies the seal by visual inspection.

  Whether the customer is identified by the card information and PIN of the cash card, the customer is identified by the passbook and PIN, or the customer is identified by the passbook and seal, part of the customer identification information and customer personal information If they match, it is possible to enter a procedure for extracting service information that can be proposed. If they do not match, an error occurs and the procedure cannot proceed. Other procedures (payment, withdrawal, transfer, etc.) can be carried out in the same procedure.

  The server is not limited to the three servers of the host server 30, the information transmission / reception server 31, and the suggestable service information server 32, and three or more servers can be provided. Even in this case, by recording and storing customer personal information in each server, it is possible to read this information and make it pre-filled in the application form during various procedures to be performed later. There is no need to repeatedly fill out the application form.

  The tablet terminal 2 is not limited to a tablet, a notebook computer, or a desktop computer, and includes an ATM device. It is also possible to access the customer information management server 3 from a destination using a tablet or a notebook personal computer via a dedicated line.

  In addition, the customer information management server 3 can be provided with a material recording unit to record information obtained by reading a license, a resident's card, and the like necessary for identifying a customer with a scanner (not shown). By associating the material recording unit with the customer personal information recorded in the customer personal information database 300, it can be easily used.

  In addition, the customer information management server 3 may be provided with a business process recording unit that records information related to the progress of the business process for each procedure, and information related to the business process may be recorded. By associating the business process recording unit with the customer personal information recorded in the customer personal information database 300, the business process recording unit can be easily used.

  Further, it is possible to provide the customer information management server 3 with a seal stamp inquiry system that records electronic data of a notification seal in association with customer identification information so that the notification stamp of the identified customer can be confirmed on the screen.

  Further, the customer information management server 3 can be provided with an automatic fax unit having a function capable of automatically faxing, and can automatically fax when a necessary document is selected.

  The customer personal information corresponding to the customer identification information is read into the suggestable service extraction unit 320 and transmitted to the suggestable service receiving unit 21 together with the suggestable service information. For this reason, when a customer applies for an arbitrary service on the screen, the application form displayed on the screen can display an application form on which necessary information such as an address and name is already displayed. In addition, if a printer (not shown) is connected to the tablet terminal 2, it is possible to print an application form in which necessary customer personal information such as address and name is already written. Furthermore, since it is not necessary for the customer himself to input or describe the same information over and over, the work burden on the customer can be reduced.

  Also, in the past, it took time for the staff to input while confirming the information written by the customer and the time required for identification on the dedicated form for various procedures and procedures that were performed each time the customer visited the store. Further, time required for reconfirming whether the information input by the bank clerk and the registered customer personal information exactly match each other was required. However, in the sales support system 1 according to the present embodiment, information related to customer attributes is recorded in the customer personal information database 300 and the received information recording unit 311, so that the customer authorization information and the information related to customer personal information attributes can be compared. Collation is completed in a short time, and no mistakes in input or input errors occur. Furthermore, not only the customer but also the clerk can reduce the work load, and the clerk has a mental margin and can provide the customer with a more detailed response. And since the time required for handling the counter work is reduced to about half by this system, customer complaints caused by the fact that the staff keeps waiting for the work on the side of the employee are reduced. In addition, when there is a change in customer personal information, the latest customer personal information can always be registered by updating the information each time.

  Conventionally, for the purpose of identity verification, identity confirmation materials such as a consent form and a copy of a driver's license have been converted into data and registered in the customer personal information database 300 respectively. However, according to the present system, the identity verification material can be easily associated with customer personal information if it is registered in a predetermined database. In addition, if a function that can be automatically created in the system is added to the consent document, it is possible to easily create a data document without creating a paper document.

  Conventionally, a dedicated terminal has been used to perform various office work such as a customer entering personal customer information described on a dedicated form by a customer. Understand the contents of various office work and use this dedicated terminal. It took 3 to 4 years to master it. In addition, when it comes to proposing services according to the customer's situation, it takes another two years to be able to respond adequately. It took 5-7 years to do this.

  However, with this system, various office work from the identity verification to the completion of application for each service is displayed step by step, so that no office errors occur. In addition, if there is a mismatch in customer personal information, an error is displayed and it is not possible to proceed to the previous screen, so the possibility of performing an incorrect procedure is reduced. As described above, various office work that has taken time to learn can be acquired in about three months even by a new employee, and a new employee can be immediately prepared. In addition, when recruiting personnel for bank window business, it was an important requirement that you have experience working in a bank. However, this system enables you to acquire counter service in a short period of time, making it easier to secure personnel. Become.

  In the past, while the customer wrote on the dedicated paper, it was written by one customer, so it was easy to make a mistake, and in that case, it was necessary to rewrite again. However, this system reduces the amount of time that the employee is restrained by the confirmation work of the written information, and can take a fine response to the customer accordingly. For example, when a customer inputs data from a tablet terminal, the clerk attends the customer, so that the customer and the clerk can proceed with the procedure together, and input errors are less likely to occur.

  Also, in the past, the checkpoints required to proceed with the procedure were verbally explained by the bank staff, so it was not possible to objectively prove whether or not the explanation was given in the first place, and important confirmation items were not explained. In some cases, they were subject to complaints. However, this system prevents you from proceeding to the previous screen unless you touch the “Confirmed” display for important explanations, and as described above, customers and employees enter side by side. Thus, after confirming each other, the display of “confirmed” is touched, so that the explanation can be objectively confirmed.

[Second Embodiment]
The case of another service extracted by the suggestable service extraction unit 320 (the service extracted in this embodiment is referred to as “loan contract”) will be described.
Specifically, the following procedure is performed. Note that the flow other than the process for extracting the providable service performed in the suggestable service extracting unit 320 is the same as that in the first embodiment, and thus the description thereof is omitted.

(Step 1) Customer personal information including information relating to customer attributes and information relating to services being used by the customer is sent from the data matching unit 301 to the suggestable service extracting unit 320.
Here, information regarding customer attributes includes at least information regarding whether or not an account has been opened, information regarding whether or not a card loan has been contracted, information regarding product history, information regarding the balance of a deposit account, and information regarding the number of times the balance of a deposit account has been inquired. , Information on the customer's work place, information on mortgages, information on whether or not the mortgage is used and how long it has been used, information on the residence of the customer, information on the family structure of the customer, and information on transactions with other financial institutions.

  (Step 2) Based on the information on the service being used by the customer, the service already used by the customer is removed from all the services that can be proposed recorded in the service information recording unit 321.

  In the present embodiment, the remaining services excluding the services that are already being used by the customer are the extraction targets of the proposed service information, but the content of the present invention is not limited to this. The configuration may be such that service proposal information for further enhancing the content of the service is extracted for the customer already using the service of Bank A.

  (Step 3) The suggestable service extraction unit 320 determines whether or not the service “loan contract” can be provided based on the corresponding information among the above-described information on the customer attribute for each pattern described below.

[First pattern for card loans]
The condition for proposing this service is “to be a customer who will open a new account from now on”.
Whether or not this condition is satisfied is determined by “information on whether or not an account is opened” in the information relating to customer attributes.

[Second pattern for card loans]
The conditions for proposing this service are “not contracting for a card loan” and “directly sending a direct mail or explaining the card loan by a bank A bank employee”.
Whether or not this condition is satisfied is determined based on “information related to presence / absence of card loan contract” and “information related to merchandise guidance history” among information related to customer attributes.

[Third pattern for card loans]
The conditions for proposing this service are “no card loan contract”, “at least three balance inquiries on ATM device”, and “savings account balance may be less than 10,000 yen” There is.
Whether or not this condition is satisfied is determined based on “information on presence / absence of card loan contract”, “information on number of times of deposit account balance inquiry”, and “information on balance of deposit account” among information on customer attributes.

  The conditions necessary for receiving other loan information are described below. Further, since Step 1 and Step 2 are the same, description thereof is omitted.

  (Step 3) The suggestable service extraction unit 320 determines whether or not the service “loan contract” can be provided based on the corresponding information among the above-described information on the customer attribute for each pattern described below.

[Pattern about civil servant loan]
The condition for proposing this service is “to be a civil servant”.
Whether or not this condition is satisfied is determined by “information about the customer's work place” in the information related to the customer's attributes.

[First pattern for mortgages]
The condition for proposing this service is “A bank employee has explained the mortgage loan in the past”.
Whether or not this condition is satisfied is determined based on “information related to the history of merchandise guidance” among the information related to customer attributes.

[Second pattern for mortgages]
The condition for proposing this service is that “the same age employee at work has a customer who uses a mortgage at Bank A”.
Whether or not this condition is satisfied is determined by “information about the customer's work place” in the information related to the customer's attributes.

[First pattern for mortgage loans]
The condition for proposing this service is “A bank clerk explained about mortgage (refinancing) in the past”.
Whether or not this condition is satisfied is determined based on “information related to the history of merchandise guidance” among the information related to customer attributes.

[Second pattern for mortgage loans]
The condition for proposing this service is that “the mortgage of another party is set at home”.
Whether or not this condition is satisfied is determined by “information on mortgages” among information on customer attributes.

[First pattern for reform loan]
The conditions for proposing this service are “using Bank A mortgage” and “more than 10 years have passed since the start of Bank A mortgage borrowing”.
Whether or not this condition is satisfied is determined by “information on whether or not a mortgage is used and how many years it is used” among the information related to customer attributes.

[Second pattern for reform loans]
The conditions for proposing this service are “the residence is not a rental property but a purchased property” and “the residence period has been 10 years or more”.
Whether or not this condition is satisfied is determined by “information on mortgage” and “information on customer residence” among information on customer attributes.

[First pattern for educational loans]
The condition for proposing this service is “the child of the same household must be 17-18 years old”.
Whether or not this condition is satisfied is determined by “information related to the family structure of the customer” in the information related to the customer attribute.

[Second pattern for educational loans]
The condition for proposing this service is that the education loan is sent by direct mail or the bank A bank employee explained in the past.
Whether or not this condition is satisfied is determined based on “information related to the history of merchandise guidance” among the information related to customer attributes.

[First pattern for other loans]
The conditions for proposing this service are “a withdrawal from a credit company” and “a transfer to a financial institution that seems to be a consumer finance”.
Whether or not this condition is satisfied is determined by “information relating to transactions with other financial institutions” among information relating to customer attributes.

[Second pattern for other loans]
The condition for proposing this service is “For other loans, direct mail is dispatched or the bank A bank employee has explained in the past”.
Whether or not this condition is satisfied is determined based on “information related to the history of merchandise guidance” among the information related to customer attributes.

  (Step 4) If one of the patterns proposed in each loan or any of a plurality of patterns is applicable, as described in the first embodiment, the service information that can be proposed is for the customer. Sent to the terminal 2. On the screen of the customer terminal 2, the customer examines whether or not he / she wishes for the service, and if necessary, can confirm information such as a pamphlet of the service.

  On the other hand, if the above pattern is not applicable, the service cannot be provided. In this case, this service is not displayed on the screen of the customer terminal 2.

[Third Embodiment]
The case of another service extracted by the suggestable service extraction unit 320 (the service extracted in the present embodiment is referred to as “Internet banking service”) will be described.
Specifically, the following procedure is performed. Note that the flow other than the process for extracting the providable service performed in the suggestable service extracting unit 320 is the same as that in the first embodiment, and thus the description thereof is omitted.

(Step 1) Customer personal information including information relating to customer attributes and information relating to services being used by the customer is sent from the data matching unit 301 to the suggestable service extracting unit 320.
Here, the information related to the customer attributes includes at least information related to whether or not an account is opened, information related to whether or not an Internet banking service contract exists, information related to a deposit account balance inquiry, and information related to whether or not there is a purchase history of an investment trust.

  (Step 2) Based on the information on the service being used by the customer, the service already used by the customer is removed from all the services that can be proposed recorded in the service information recording unit 321.

  In the present embodiment, the remaining services excluding the services that are already being used by the customer are the extraction targets of the proposed service information, but the content of the present invention is not limited to this. The configuration may be such that service proposal information for further enhancing the content of the service is extracted for the customer already using the service of Bank A.

  (Step 3) The suggestable service extraction unit 320 determines whether or not an “Internet banking service” can be provided based on the corresponding information among the above-described information regarding customer attributes for each pattern described below.

[First pattern for Internet banking services]
The condition for proposing this service is “to be a customer who will open a new account.
Whether or not this condition is satisfied is determined based on “information on whether or not an account is opened” among the information on customer attributes.

[Second pattern for Internet banking services]
The conditions for proposing this service are “not having an internet banking service contract” and “having a balance inquiry with an ATM device or having purchased an investment trust”.
Whether or not this condition is satisfied is determined based on “information on presence / absence of Internet banking service contract”, “information on deposit account balance inquiry and information on presence / absence of investment trust purchase history” among information on customer attributes.

  (Step 4) If any one of the first and second patterns proposed in the above internet banking service is applicable, as described in the first embodiment, the tablet can be used as service information that can be proposed. Sent to the terminal 2. The customer examines whether or not he / she wishes for the service on the screen of the tablet terminal 2 and can confirm information such as a pamphlet of the service if necessary.

  On the other hand, if the above pattern is not applicable, the service cannot be provided. In this case, this service is not displayed on the screen of the tablet terminal 2.

[Fourth Embodiment]
The case of another service extracted by the suggestable service extraction unit 320 (the service extracted in this embodiment is referred to as “service related to account use”) will be described.
Specifically, the following procedure is performed. Since the flow other than the process for extracting the suggestable service performed in the service information extraction unit 320 is the same as that in the first embodiment, the description thereof is omitted.

(Step 1) Customer personal information including information relating to customer attributes and information relating to services being used by the customer is sent from the data matching unit 301 to the suggestable service extracting unit 320.
Here, information regarding customer attributes includes at least information regarding the customer's age, information regarding the transfer, information regarding the history of the product guidance, information regarding the reason for opening the account, information regarding the work place of the customer, information regarding the use history of the transfer, and others Contains information on transactions with financial institutions.

  (Step 2) Based on the information on the service being used by the customer, the service already used by the customer is removed from all the services that can be proposed recorded in the service information recording unit 321.

  In the present embodiment, the remaining services excluding the services that are already being used by the customer are the extraction targets of the proposed service information, but the content of the present invention is not limited to this. The configuration may be such that service proposal information for further enhancing the content of the service is extracted for the customer already using the service of Bank A.

  (Step 3) The suggestable service extraction unit 320 determines whether or not the “service relating to account use” can be provided based on the corresponding information among the information related to the customer attribute for each pattern described below.

[First pattern for pension-related services]
The conditions for proposing this service are “the customer's age is 65 years or older” and “the bank A account is not designated as the transfer destination of the pension”.
Whether or not this condition is satisfied is determined based on “information related to customer age” and “information related to transfer” among information related to customer attributes.

[Second pattern for pension-related services]
The conditions for proposing this service are “the customer's age is 65 years or older” and “the pension-related service is sent by direct mail or the bank bank employee has explained in the past”.
Whether or not this condition is satisfied is determined based on “information related to the customer's age” and “information related to the history of the product guide” among the information related to the customer attributes.

[First pattern for salary receipt]
The condition for proposing this service is that a new account has been opened for employment.
Whether or not this condition is satisfied is determined by “information regarding the reason for opening an account” among the information regarding the customer attribute.

[Second pattern for salary receipt]
The conditions for proposing this service are “the customer's office is registered” and “there is no record of salary transfer from the office”.
Whether or not this condition is satisfied is determined based on “information on a customer's work place” and “information on a transfer use history” among information on customer attributes.

[Pattern for automatic remittance service]
The condition for proposing this service is “transfer to the same bank account multiple times”.
Whether or not this condition is satisfied is determined based on “information related to transfer use history” among information related to customer attributes.

[First pattern for automatic withdrawal of utility charges]
The condition for proposing this service is “automatic withdrawal of utility charges from bank A account”.
Whether or not this condition is satisfied is determined based on “information related to transfer use history” among information related to customer attributes.

[Second pattern for automatic withdrawal of utility charges]
The condition for proposing this service is that only a part of the utility bill is automatically deducted from the bank A account.
Whether or not this condition is satisfied is determined based on “information related to transfer use history” among information related to customer attributes.

  (Step 4) If any of the first and second patterns proposed in the service related to the account use described above is applicable, as described in the first embodiment, the service information can be proposed. It is sent to the tablet terminal 2. The customer examines whether or not he / she wishes for the service on the screen of the tablet terminal 2 and can confirm information such as a pamphlet of the service if necessary.

  On the other hand, if the above pattern is not applicable, the service cannot be provided. In this case, this service is not displayed on the screen of the tablet terminal 2.

[Fifth Embodiment]
The case of another service extracted by the suggestable service extraction unit 320 (the service extracted in the present embodiment is referred to as “service related to financial products”) will be described.
Specifically, the following procedure is performed. The flow other than the process for extracting the suggestable service performed in the suggestable service extraction unit 320 is the same as that in the first embodiment, and thus the description thereof is omitted.

(Step 1) Customer personal information including information relating to customer attributes and information relating to services being used by the customer is sent from the data matching unit 301 to the suggestable service extracting unit 320.
Here, information on customer attributes includes at least information on customer attribute change history, information on opening an account under the same household name, information on product guide history, information on customer family structure, and reason for opening an account. Information, information on account balances, information on investment trust usage history, and information on investment trusts.

  (Step 2) Based on the information on the service being used by the customer, the service already used by the customer is removed from all the services that can be proposed recorded in the service information recording unit 321.

  In the present embodiment, the remaining services excluding the services that are already being used by the customer are the extraction targets of the proposed service information, but the content of the present invention is not limited to this. The configuration may be such that service proposal information for further enhancing the content of the service is extracted for the customer already using the service of Bank A.

  (Step 3) In the suggestable service extraction unit 320, it is determined whether or not “services related to the use of financial products” can be provided based on the corresponding information among the above-described information regarding customer attributes for each pattern described below. To do.

[First pattern for insurance]
The condition for proposing this service is “change of address or name”.
Whether or not this condition is satisfied is determined based on “information related to customer attribute change history” in the information related to customer attributes.

[Second pattern for insurance]
The condition for proposing this service is that a child account is newly opened.
Whether or not this condition is satisfied is determined based on “information related to opening an account under the same household name” in the information related to customer attributes.

[Third pattern for insurance]
The condition for proposing this service is “A bank employee has explained about insurance in the past”.
Whether or not this condition is satisfied is determined based on “information related to the history of merchandise guidance” in the information related to customer attributes.

[Fourth pattern for insurance]
The condition for proposing this service is "There must be a child under 5 in the same household."
Whether or not this condition is satisfied is determined by “information related to the family structure of the customer” in the information related to the customer attribute.

[First pattern for funding, time deposits and government bonds]
The condition for proposing this service is that a new account has been opened for employment.
Whether or not this condition is satisfied is determined by “information regarding the reason for opening an account” among the information regarding the customer attribute.

[Second pattern for funding, time deposits and government bonds]
The condition for proposing this service is that a child account is newly opened.
Whether or not this condition is satisfied is determined based on “information related to opening an account under the same household name” in the information related to customer attributes.

[Third pattern for funding, time deposits and government bonds]
The condition for proposing this service is that "a certain amount of funds have been deposited in the savings account".
Whether or not this condition is satisfied is determined by “information relating to the account balance” in the information relating to the customer attributes.

[Fourth pattern for funding, time deposits and government bonds]
The condition for proposing this service is that bank A employees have explained in the past about funding, time deposits and government bonds.
Whether or not this condition is satisfied is determined based on “information related to the history of merchandise guidance” among the information related to customer attributes.

[First pattern for investment trusts]
The condition for proposing this service is that "a certain amount of funds have been deposited in the savings account".
Whether or not this condition is satisfied is determined by “information relating to the account balance” in the information relating to the customer attributes.

[Second pattern for investment trusts]
The condition for proposing this service is “A bank employee has explained the investment trust in the past”.
Whether or not this condition is satisfied is determined based on “information related to the history of merchandise guidance” among the information related to customer attributes.

[Third pattern for investment trusts]
The conditions for proposing this service are “has purchased an investment trust in the past” and “the amount of funds deposited in the savings account is below a certain amount”.
Whether or not this condition is satisfied is determined based on “information on investment trust” and “information on account balance” among information on customer attributes.

[Fourth pattern for investment trusts]
The condition for proposing this service is “currently purchasing an investment trust”.
Whether or not this condition is satisfied is determined based on “information on investment trusts” among information on customer attributes.

[First pattern for NISA account]
The conditions for proposing this service are “not having a contract for NISA account”, “had an investment trust in the past”, and “current balance is below a certain amount”.
Whether or not this condition is satisfied is determined based on “information on investment trust use history”, “information on investment trust”, and “information on account balance” among information on customer attributes.

[Second pattern for NISA accounts]
The conditions for proposing this service are “not contracting for NISA account” and “buying an investment trust”.
Whether or not this condition is satisfied is determined based on “information on investment trust use history” and “information on investment trust” among information on customer attributes.

  (Step 4) If any of the first and second patterns proposed in the service related to the financial product is applicable, as described in the first embodiment, the service information can be proposed. It is sent to the tablet terminal 2. The customer examines whether or not he / she wishes for the service on the screen of the tablet terminal 2 and can confirm information such as a pamphlet of the service if necessary.

  On the other hand, if the above pattern is not applicable, the service cannot be provided. In this case, this service is not displayed on the screen of the tablet terminal 2.

[Sixth Embodiment]
The case of another service extracted by the suggestable service extraction unit 320 (the service extracted in the present embodiment is referred to as “a service related to points”) will be described.
Specifically, the following procedure is performed. The flow other than the process for extracting the suggestable service performed in the suggestable service extraction unit 320 is the same as that in the first embodiment, and thus the description thereof is omitted.

(Step 1) Customer personal information including information relating to customer attributes and information relating to services being used by the customer is sent from the data matching unit 301 to the suggestable service extracting unit 320.
Here, the information regarding the customer attribute includes at least information regarding the presence / absence of a point service contract, information regarding a deposit amount, and information regarding the presence / absence of a safe deposit box contract.

  (Step 2) Based on the information on the service being used by the customer, the service already used by the customer is removed from all the services that can be proposed recorded in the service information recording unit 321.

  In the present embodiment, the remaining services excluding the services that are already being used by the customer are the extraction targets of the proposed service information, but the content of the present invention is not limited to this. The configuration may be such that service proposal information for further enhancing the content of the service is extracted for the customer already using the service of Bank A.

  (Step 3) The suggestable service extracting unit 320 determines whether or not “point service” can be provided based on the corresponding information among the information related to the customer attribute for each pattern described below.

[First pattern for services related to points]
The conditions for proposing this service are “no contract for point service” and “A bank deposit amount is a certain amount or more”.
Whether or not this condition is satisfied is determined based on “information on presence / absence of point service contract” and “information on deposit amount” among information on customer attributes.

[Second pattern for point-related services (safe deposit boxes)]
The conditions for proposing this service are “contracting point service” and “not contracting the use of a safe deposit box”.
Whether or not this condition is satisfied is determined based on “information on whether or not there is a point service contract” and “information on whether or not there is a contract with a safe deposit box” among information on customer attributes.

  (Step 4) If any one of the first and second patterns proposed in the service relating to the above points is applicable, as described in the first embodiment, the tablet can be used as service information that can be proposed. Sent to the terminal 2. The customer examines whether or not he / she wishes for the service on the screen of the tablet terminal 2 and can confirm information such as a pamphlet of the service if necessary.

  On the other hand, if the above pattern is not applicable, the service cannot be provided. In this case, this service is not displayed on the screen of the tablet terminal 2.

[Seventh Embodiment]
The customer information management server 3 can also be provided with a loan section that records information related to examination and examination results from loan application. As an example, the loan section may be provided with a customer loan information recording section, a screening criteria information recording section, and a loan screening section.

  The Customer Loan Information Recorder contains information on where the customer works, information on the customer's annual income, information on the customer's family structure, information on the customer's residence, information on the customer's debt, and information on the customer's repayment required for loan screening. , Information on the use of the loan, information on borrowings at other loan companies, and information on the fact that the loan has been paid off. The screening criteria information recording section records information related to standard loan screening. The loan screening unit determines whether or not the loan screening standards are satisfied based on information recorded in the screening standard information recording unit and the customer loan information recording unit.

  Since customer loan information is recorded in the customer loan information recording section, when a customer visits Bank A multiple times for loan consultations, etc., customer application information and customer personal information corresponding to customer identification information and Based on the information recorded in the customer loan information recording section, an application form is created in which the necessary information has already been entered, so the customer does not have to re-enter the previously entered information, reducing the burden on the customer Is done. In addition, since the registered information is displayed as it is on the application form, there is no mistake in writing.

  Further, the loan examination unit can be easily used by associating with the customer personal information recorded in the customer personal information database 300.

  In addition, the customer information management server 3 needs information on the customer's work place, information on the customer's annual income, information on the customer's family structure, information on the customer's residence, information on the customer's debt, and information on the customer's repayment. It is also possible to provide a customer loan information recording section in which information on the use of the loan, information on borrowings at other loan companies, and information on the fact that the loan has been paid is recorded. By associating the customer loan information recording unit with the customer personal information recorded in the customer personal information database 300, it can be used easily.

  In addition, when a loan application form is completed, the loan application contents that have passed the loan review are automatically faxed to a loan company, etc. by linking with an automatic fax unit equipped with a function to automatically fax certain documents. You can also In addition, the customer information management server 3 can be provided with a business process recording unit that records information related to the progress of business processes for each procedure, and can record information related to a series of business processes related to loan examinations.

[Eighth Embodiment]
In the present embodiment, an application that can be operated on the tablet terminal 2 will be described.
Specifically, the following procedure is performed. The basic processing flow performed in the customer information management server 3 is the same as that in the first embodiment, and a description thereof will be omitted.

  The tablet terminal 2 can apply for various services provided by the bank by inputting predetermined information. The application acceptance process for each business will be described below.

[Regarding the opening of regular deposits, time deposits and funding period accounts and issuance of cash cards]
The procedure for opening an account and issuing a cash card, which is an example of Bank A's business, will be described.
(Step 1) The customer performs the identity verification procedure at the tablet terminal 2. The tablet terminal 2 has a function of reading the identity confirmation data as data, for example, input of a personal identification number into a pin pad (not shown), reading of customer information recorded in the passbook itself, scanner of resident's card or license (not shown). )). The tablet terminal 2 is also connected to a printer (not shown) for printing a document with a QR code (registered trademark) if necessary.

  (Step 2) Information relating to identity verification that is part of the application information input from the tablet terminal 2 is sent to the host server 30 that is an example of a billing host computer, and in the data verification unit 301 that is an example of a verification unit , It is collated with information related to identity verification registered in the customer personal information database 300 which is an example of the database unit.

  (Step 3) If the information regarding the identity verification matches, a new slip with a QR code (registered trademark) necessary for opening an account and issuing a cash card is automatically output from a printer (not shown). The new slip already contains information necessary for opening an account and issuing a cash card, and the customer does not need to fill in the new slip by hand.

  In this way, entering information related to identity verification from the tablet terminal 2 or reading it from a cash card or passbook eliminates the need to manually fill in a dedicated application form for opening an account or issuing a cash card. This makes it easy to open an account and issue a cash card. In addition, if the input application information and the information related to the identity verification registered in the customer personal information database 300 are different, an error is displayed, so that an account is opened based on the incorrect information and a cash card is issued. Can be prevented. In addition, there is no need to check the application form for opening an account or issuing a cash card, which enables quick processing, and the personnel required for the conventional check can be allocated to customer service. Satisfaction can be increased. Instead of issuing a cash card, you can apply for a credit-integrated card.

[About deposits into time deposit accounts]
The procedure for depositing into an account, which is an example of the operations of Bank A, will be described.
(Step 1) The customer performs a deposit procedure to the time deposit account at the tablet terminal 2. In the procedure for depositing into a time deposit account, a card and personal identification number, or a passbook and personal identification number, or a bankbook and seal are used as identification information. The customer inputs identification information such as an account number of a passbook from the tablet terminal 2. Also, it is determined whether the seal stamps match.

  (Step 2) Information relating to identity verification, which is a part of the application information input from the tablet terminal 2, is sent to the host server 30 and collated with the customer information registered in the customer personal information database 300 by the data collating unit 301. In the case of identity verification using a passbook and seal, check the seal visually. If the information about identity verification matches, accept the deposit procedure for the customer's account.

  In this way, by inputting information related to identity verification from the tablet terminal 2 and collating with the customer information registered in the customer personal information database 300 of the personal identification number or visually confirming the seal impression of the seal, Conventionally, it is not necessary to manually write in a dedicated application form for depositing a time deposit account, and the deposit procedure to the time deposit account can be easily performed. In addition, since an error is displayed if the entered information relating to identity verification and the customer information registered in the customer personal information database 300 are different, it is possible to prevent the deposit to the time deposit account based on the incorrect information. Can do. In addition, there is no need to check the application form for depositing into the time deposit account, which enables quick processing, and the personnel required for the conventional check can be allocated to the customer service. You can raise the degree.

[Regarding cancellation of time deposits, savings accounts, and funded time accounts]
The procedure for canceling a time deposit, which is an example of Bank A's business, will be described.
(Step 1) The customer performs a cancellation procedure for the time deposit, the ordinary deposit, and the funded term account at the tablet terminal 2. In the cancellation procedure for time deposits, savings accounts and funded time accounts, cards and PINs, or passbooks and PINs, or passbooks and seals are used as identification data. The customer inputs identification information such as an account number of a passbook from the tablet terminal 2. Also, it is determined whether the seal stamps match.

  (Step 2) Information relating to identity verification, which is a part of the application information input from the tablet terminal 2, is sent to the host server 30 and collated with the customer information registered in the customer personal information database 300 by the data collating unit 301. In the case of identity verification using a passbook and seal, check the seal visually. If the information about identity verification matches, we will accept the account cancellation procedure.

  (Step 3) If the information related to identity verification matches, a cancellation slip with a QR code (registered trademark) necessary for account cancellation is automatically output from a printer (not shown). The cancellation slip already contains information necessary for canceling the account, and the customer does not need to fill in the new slip by hand.

  In this way, by inputting information related to identity verification from the tablet terminal 2 and collating with the customer information registered in the customer personal information database 300 of the personal identification number or visually confirming the seal impression of the seal, Previously, the manual application for canceling fixed term deposits, savings deposits, and funded fixed accounts is no longer necessary, and the procedures for canceling fixed deposits, savings deposits, and funded fixed accounts can be performed easily. it can. In addition, if the entered information regarding identity verification and customer information registered in the customer personal information database 300 are different from each other, an error message is displayed. Can be prevented. In addition, there is no need to check the application form for account cancellation, which enables rapid processing and increases the level of customer satisfaction as the personnel required for conventional checks can be allocated to customer service. be able to.

[About address change]
The address change procedure, which is an example of Bank A's business, will be described.
(Step 1) The customer performs an address change procedure on the tablet terminal 2. The tablet terminal 2 has a function of reading the personal identification material as data. In the address change procedure, a card and a personal identification number, or a passbook and personal identification number, or a passbook and a seal are used as identification information. The customer inputs identification information such as an account number of a passbook from the tablet terminal 2. Also, it is determined whether the seal stamps match.

  (Step 2) Information relating to the identity verification of the account for the address change procedure, which is a part of the application information input from the tablet terminal 2, is sent to the host server 30, and is stored in the customer personal information database 300 by the data verification unit 301. Check with registered customer information. In the case of identity verification using a passbook and seal, check the seal visually. If the information about identity verification matches, we will accept the address change procedure.

  (Step 3) If the information related to identity verification matches, a form necessary for address change is automatically output from a printer (not shown). This form already contains information necessary for address change, and the customer does not need to fill in the form by hand.

  In this way, by inputting information related to identity verification from the tablet terminal 2 and collating with the customer information registered in the customer personal information database 300 of the personal identification number or visually confirming the seal impression of the seal, Conventionally, the work of manually filling in an application form for changing the address becomes unnecessary, and the procedure for changing the address can be easily performed. In addition, since an error is displayed if the input information related to identity verification and the customer information registered in the customer personal information database 300 are different, it is possible to prevent the address from being changed based on incorrect information. In addition, there is no need to check the application form to change the address, which enables quick processing and assigns the personnel required for the conventional check to customer service, thus increasing customer satisfaction. Can do.

[About name change]
The name change procedure, which is an example of Bank A's business, will be described.
(Step 1) The customer performs a name change procedure in the tablet terminal 2. In the name change procedure, a card and a personal identification number, or a passbook and personal identification number, or a passbook and a seal are used as identification information. The customer inputs identification information such as an account number of a passbook from the tablet terminal 2. Also, it is determined whether the seal stamps match.

  (Step 2) Information relating to customer identification, which is part of the application information input from the tablet terminal 2, is sent to the host server 30, and the customer information registered in the customer personal information database 300 by the data collating unit 301 Collate. In the case of identity verification using a passbook and seal, check the seal visually. If the information related to identity verification matches, we will accept the name change procedure.

  (Step 3) If the information related to identity verification matches, a form necessary for changing the name is automatically output from a printer (not shown). This form already contains information necessary for the name change, and the customer does not need to fill in the form by hand.

  In this way, by inputting information related to identity verification from the tablet terminal 2 and collating with the customer information registered in the customer personal information database 300 of the personal identification number or visually confirming the seal impression of the seal, The work of manually filling in an application form for changing the name by hand is unnecessary, and the procedure for changing the name can be performed easily. In addition, since an error is displayed if the input information related to identity verification is different from the customer information registered in the customer personal information database 300, it is possible to prevent the name from being changed based on erroneous information. In addition, there is no need to check the application form for changing the name, which enables quick processing, and the personnel required for the conventional check can be allocated to customer service, thus increasing customer satisfaction. Can do.

[About reprinting]
The re-signing procedure, which is an example of Bank A's business, will be described.
(Step 1) The customer performs a reprinting procedure on the tablet terminal 2. In the re-enrollment procedure, a card and a personal identification number, or a passbook and personal identification number, or a passbook and a seal are used as identification information. The customer inputs identification information such as an account number of a passbook from the tablet terminal 2. Also, it is determined whether the seal stamps match.

  (Step 2) Information relating to customer identification input from the tablet terminal 2 is sent to the host server 30 and collated with customer information registered in the customer personal information database 300 by the data collation unit 301. In the case of identity verification using a passbook and seal, check the seal visually. If the information about identity verification matches, we will accept the re-signing procedure.

  (Step 3) If the information related to identity verification matches, a necessary form for reprinting is automatically output from a printer (not shown). This form already contains information necessary for reprinting, and the customer does not need to fill in the form by hand.

  In this way, by inputting information related to identity verification from the tablet terminal 2 and collating with the customer information registered in the customer personal information database 300 of the personal identification number or visually confirming the seal impression of the seal, The work of manually filling in a dedicated application form for reprinting is no longer necessary, and the reprinting procedure can be performed easily. In addition, since an error is displayed if the input information related to identity verification and the customer information registered in the customer personal information database 300 are different, it is possible to prevent reprinting based on incorrect information. In addition, there is no need to check the application form for re-signing, which enables quick processing, and the personnel required for the conventional check can be allocated to customer service, thus increasing customer satisfaction. it can.

[Inheritance reception]
The procedure for inheritance reception, which is an example of Bank A's business, will be described.
(Step 1) The customer performs an inheritance acceptance procedure at the tablet terminal 2. In the procedure for inheritance acceptance, a card and a personal identification number, or a passbook and personal identification number, or a passbook and a seal are used as identification information. The customer inputs identification information such as an account number of a passbook from the tablet terminal 2. Also, it is determined whether the seal stamps match.

  (Step 2) Information relating to identity verification, which is a part of the application information input from the tablet terminal 2, is sent to the host server 30 and collated with the customer information registered in the customer personal information database 300 by the data collating unit 301. In the case of identity verification using a passbook and seal, check the seal visually. If the information related to identity verification matches, the procedure for inheritance acceptance is accepted.

  (Step 3) If the information about the identity verification matches, a form that needs to be submitted for inheritance reception is automatically output from a printer (not shown). This form already contains information necessary for reprinting, and the customer does not need to fill in the form by hand.

  In this way, by inputting information related to identity verification from the tablet terminal 2 and collating with the customer information registered in the customer personal information database 300 of the personal identification number or visually confirming the seal impression of the seal, The work of manually filling in an application form for accepting inheritance is no longer necessary, and the procedure for accepting inheritance can be performed easily. In addition, since an error is displayed if the input information related to identity verification and the customer information registered in the customer personal information database 300 are different, it is possible to prevent inheritance acceptance based on incorrect information. In addition, there is no need to check the application form for inheritance reception, which enables rapid processing, and the personnel required for the conventional check can be allocated to customer service, thus increasing customer satisfaction. Can do.

[About automatic remittance application]
An automatic remittance application procedure, which is an example of Bank A's business, will be described.
(Step 1) The customer performs an automatic remittance procedure at the tablet terminal 2. In the automatic remittance procedure, a card and a personal identification number, or a passbook and personal identification number, or a passbook and a seal are used as identification data. The customer inputs identification information such as an account number of a passbook from the tablet terminal 2. Also, it is determined whether the seal stamps match.

  (Step 2) Information relating to identity verification, which is a part of the application information input from the tablet terminal 2, is sent to the host server 30 and collated with the customer information registered in the customer personal information database 300 by the data collating unit 301. In the case of identity verification using a passbook and seal, check the seal visually. If the information about identity verification matches, we will accept the application for automatic remittance.

  (Step 3) If the information regarding the identity verification matches, a payment slip for a fee required for automatic remittance is automatically output from a printer (not shown). In this form, internal office information such as the amount of commission required for automatic remittance registration and commission receipt account items is described, and it is not necessary for the person in charge to fill in the form by hand.

  In this way, by inputting information related to identity verification from the tablet terminal 2 and collating with the customer information registered in the customer personal information database 300 of the personal identification number or visually confirming the seal impression of the seal, This eliminates the need for manually filling in a dedicated application form for automatic remittance, making it possible to easily perform automatic remittance procedures. In addition, since an error is displayed if the input information relating to identity verification and customer information registered in the customer personal information database 300 are different, automatic remittance based on incorrect information can be prevented. In addition, there is no need to check the application form for an automatic remittance application, which enables quick processing and increases the level of customer satisfaction as the personnel required for the conventional check can be allocated to customer service. be able to.

[Change or abolition of automatic remittance]
The procedure for changing or abolishing automatic remittance, which is an example of Bank A's business, will be described.
(Step 1) The customer performs a procedure for changing or abolishing automatic remittance at the tablet terminal 2. When changing or abolishing automatic remittances, cards and PINs, or passbooks and PINs, or passbooks and seals are used as identification data. The customer inputs identification information such as an account number of a passbook from the tablet terminal 2. Also, it is determined whether the seal stamps match.

  (Step 2) Information relating to identity verification, which is a part of the application information input from the tablet terminal 2, is sent to the host server 30 and collated with the customer information registered in the customer personal information database 300 by the data collating unit 301. In the case of identity verification using a passbook and seal, check the seal visually. If the information about identity verification matches, we will accept an application to change or abolish automatic remittance.

  (Step 3) If the information about the identity verification matches, a payment slip for a fee necessary for changing or abolishing automatic remittance is automatically output from a printer (not shown). This form already contains internal office information such as the amount of fees and commission receipt account items required for automatic remittance change or abolishment procedures, and there is no need for the person in charge to fill in handwritten information.

  In this way, by inputting information related to identity verification from the tablet terminal 2 and collating with the customer information registered in the customer personal information database 300 of the personal identification number or visually confirming the seal impression of the seal, Conventionally, there is no need to manually fill in a special application form for changing or abolishing automatic remittance, and it is possible to easily change or abolish automatic remittance. In addition, an error is displayed if the entered information relating to identity verification and the customer information registered in the customer personal information database 300 are different, so that automatic remittance is prevented from being changed or abolished based on incorrect information. Can do. In addition, there is no need to check the application form to change or abolish automatic remittance, which enables rapid processing and assigns the personnel required for the conventional check to customer service. You can raise the degree.

[About Point Service Application]
The point service application procedure, which is an example of Bank A's business, will be described.
(Step 1) The customer performs a point service application procedure at the tablet terminal 2. In the point service application procedure, cards and personal identification numbers, or passbooks and personal identification numbers, or passbooks and seals are used as identification data. The customer inputs identification information such as an account number of a passbook from the tablet terminal 2. Also, it is determined whether the seal stamps match.

  (Step 2) Information relating to identity verification, which is a part of the application information input from the tablet terminal 2, is sent to the host server 30 and collated with the customer information registered in the customer personal information database 300 by the data collating unit 301. In the case of identity verification using a passbook and seal, check the seal visually. If the information about identity verification matches, accept the point service application.

  In this way, by inputting information related to identity verification from the tablet terminal 2 and collating with the customer information registered in the customer personal information database 300 of the personal identification number or visually confirming the seal impression of the seal, Conventionally, it is not necessary to manually write the application form for the point service application, and the point service procedure can be easily performed. In addition, since an error is displayed if the entered information relating to identity verification and the customer information registered in the customer personal information database 300 are different, it is possible to prevent point services from being provided based on incorrect information. . In addition, there is no need to check the application form for applying for point services, which enables rapid processing and increases the level of customer satisfaction as the personnel required for conventional checks can be allocated to customer service. be able to.

[Application for investment trust]
The investment trust application procedure, which is an example of Bank A's business, will be described.
(Step 1) The customer performs an investment trust application procedure at the tablet terminal 2. When applying for an investment trust, a card and personal identification number, or a passbook and personal identification number, or a bankbook and seal are used as identification information. The customer inputs identification information such as an account number of a passbook from the tablet terminal 2. Also, it is determined whether the seal stamps match.

  (Step 2) Information relating to the identity verification of the customer who applies for the investment trust, which is a part of the application information input from the tablet terminal 2, is sent to the host server 30 and registered in the customer personal information database 300 by the data verification unit 301 To match customer information. In the case of identity verification using a passbook and seal, check the seal visually. If the information about identity verification matches, the application for investment trust is accepted.

  In this way, by inputting information related to identity verification from the tablet terminal 2 and collating with the customer information registered in the customer personal information database 300 of the personal identification number or visually confirming the seal impression of the seal, The procedure for manually applying for an investment trust is no longer required, and the procedure for applying for an investment trust can be performed easily. In addition, since an error is displayed if the entered information relating to identity verification and customer information registered in the customer personal information database 300 are different, it is possible to prevent the provision of investment trust services based on incorrect information. it can. In addition, there is no need to check the application form for applying for an investment trust, which enables rapid processing and increases the level of customer satisfaction as the personnel required for conventional checks can be allocated to customer service. be able to.

[About Issuance of Balance Certificate]
A procedure for issuing a balance certificate, which is an example of the business of Bank A, will be described.
(Step 1) The customer performs a procedure for issuing a balance certificate in the tablet terminal 2. In the procedure for issuing a balance certificate, a card and a personal identification number, or a passbook and personal identification number, or a passbook and a seal are used as identification information. The customer inputs identification information such as an account number of a passbook from the tablet terminal 2. Also, it is determined whether the seal stamps match.

  (Step 2) Information relating to identity verification, which is a part of the application information input from the tablet terminal 2, is sent to the host server 30 and collated with the customer information registered in the customer personal information database 300 by the data collating unit 301. In the case of identity verification using a passbook and seal, check the seal visually. If the information regarding identity verification matches, a balance certificate is issued.

  (Step 3) If the information regarding the identity verification matches, a payment slip for a fee necessary for issuing the balance certificate is automatically output from a printer (not shown). This form already contains internal office information such as the amount of fees and commission receipt account items required for issuing a balance certificate, and there is no need for the person in charge to fill it in by hand.

  In this way, by inputting information related to identity verification from the tablet terminal 2 and collating with the customer information registered in the customer personal information database 300 of the personal identification number or visually confirming the seal impression of the seal, The work of manually filling in a dedicated application form for issuing a balance certificate is no longer necessary, and the procedure for issuing a balance certificate can be performed easily. In addition, since an error is displayed if the entered information relating to identity verification and the customer information registered in the customer personal information database 300 are different, it is possible to prevent a balance certificate from being issued based on incorrect information. Can do. In addition, there is no need to check the application form for issuing a balance certificate, which enables rapid processing and assigns the personnel required for conventional checks to customer service. Can be raised.

[Application for continuous issuance of balance certificate]
A procedure for continuous issuance of a balance certificate, which is an example of Bank A's business, will be described.
(Step 1) The customer performs a balance certificate continuous issuance procedure in the tablet terminal 2. In the procedure for continuous issuance of balance certificates, cards and personal identification numbers, or passbooks and personal identification numbers, or passbooks and seals are used as identification data. The customer inputs identification information such as an account number of a passbook from the tablet terminal 2. Also, it is determined whether the seal stamps match.

  (Step 2) Information relating to identity verification, which is a part of the application information input from the tablet terminal 2, is sent to the host server 30 and collated with the customer information registered in the customer personal information database 300 by the data collating unit 301. In the case of identity verification using a passbook and seal, check the seal visually. If the information regarding identity verification matches, the application for continuous issuance of the balance certificate is accepted.

  (Step 3) If the information about the identity verification matches, an automatic collection setting slip necessary for continuous issuance of the balance certificate is automatically output from a printer (not shown). This setting slip already contains internal office information such as the required fee amount and fee receiving account item, and the person in charge of the window does not need to fill it out by hand.

  In this way, by inputting information related to identity verification from the tablet terminal 2 and collating with the customer information registered in the customer personal information database 300 of the personal identification number or visually confirming the seal impression of the seal, Conventionally, a procedure for manually issuing a balance certificate can be performed without the need to manually fill in a dedicated application form for continuous issuance of a balance certificate. In addition, since an error is displayed if the entered information relating to identity verification and the customer information registered in the customer personal information database 300 are different, it is possible to prevent the continuous issuance of a balance certificate based on incorrect information. Can do. In addition, there is no need to check the application form for the application for continuous issuance of balance certificates, which enables quick processing, and the personnel required for the conventional check can be allocated to customer service. Satisfaction can be increased.

[Regarding receipt of loss of bankbook or cash card]
A procedure for accepting the loss of a bankbook or cash card, which is an example of the operations of Bank A, will be described.
(Step 1) The customer performs a procedure for accepting loss of a bankbook or cash card at the tablet terminal 2. In the procedure for accepting loss of a bankbook or cash card, a card and PIN, or passbook and PIN, or passbook and seal are used as identification data. The customer inputs identification information such as an account number of a passbook from the tablet terminal 2. Also, it is determined whether the seal stamps match.

  (Step 2) Information relating to identity verification, which is a part of the application information input from the tablet terminal 2, is sent to the host server 30 and collated with the customer information registered in the customer personal information database 300 by the data collating unit 301. In the case of identity verification using a passbook and seal, check the seal visually. If the information about identity verification matches, an accident registration for loss is set.

  (Step 3) If the information regarding the identity verification matches, an inquiry letter to be sent to the customer necessary for accepting the loss of the bankbook or cash card is automatically output from a printer (not shown). This inquiry will be mailed to the customer.

  (Step 4) If the cash card is discovered later, the accident registration is canceled at the tablet terminal 2. If it is not found and reissue is required, the tablet terminal 2 accepts an application for reissue.

  In this way, by inputting information related to identity verification from the tablet terminal 2 and collating with the customer information registered in the customer personal information database 300 of the personal identification number or visually confirming the seal impression of the seal, This eliminates the need for handwritten entry in the special application form for accepting lost bankbooks or cash cards, and makes it easier to accept lost bankbooks or cash cards. In addition, since the error information is displayed if the entered information relating to the identity verification and the customer information registered in the customer personal information database 300 are different, it is possible to accept the loss of the passbook or cash card based on the incorrect information. Can be prevented. In addition, there is no need to check the application form for accepting the loss of the bankbook or cash card, which enables quick processing and assigns the personnel required for the conventional check to customer service. Satisfaction can be increased.

[About loan application]
The loan application procedure, which is an example of Bank A's business, will be described.
(Step 1) The customer performs a loan application procedure at the tablet terminal 2. In the loan application procedure, verification is performed with the customer information registered in the customer personal information database 300 using a card and a personal identification number, or a passbook and personal identification number, or a passbook and a seal as identification information. The driver's license and resident card are also read by a scanner (not shown). We also need information on where the customer works, information about the client's annual income, information about the customer's family structure, information about the customer's residence, information about the customer's debt, information about the customer's repayment, use of the loan, If necessary, enter information such as information on borrowings from other companies and information on the fact that the loan has been paid off. Loans can be unsecured loans as well as card loans.

  (Step 2) Information relating to identity verification, which is a part of the application information input from the tablet terminal 2, is sent to the host server 30 and collated with the customer information registered in the customer personal information database 300 by the data collating unit 301.

  (Step 3) If the information regarding identity verification matches, a primary screening is automatically performed to determine whether or not the loan screening criteria are met. The loan screening standard is a certain standard for judging whether a customer has a repayment ability based on information such as annual income entered when applying for a loan. When the loan application form is completed, the loan application contents that passed the loan examination can be automatically faxed to a loan company by cooperating with the automatic fax section with the function to automatically fax certain documents. it can.

  (Step 4) The result of the examination performed in step 3 is registered in the customer personal information database 300. In addition, it is possible to manage the status of administrative work related to loan reception (such as the status of primary screening within the bank and FAX to a guarantee company).

  (Step 5) In consideration of the result of the loan examination, the customer can also register a schedule such as a reservation for a next visit or a visit by a bank employee.

  (Step 6) When the date and time desired by the customer is determined, information regarding the determined date and time is registered in the reception information recording unit 311. The clerk will meet again with the customer at a later date according to the registered schedule.

  In this way, by inputting information related to identity verification from the tablet terminal 2 and collating with the customer information registered in the customer personal information database 300 of the personal identification number or visually confirming the seal impression of the seal, This eliminates the need for handwriting on the loan application form and allows you to apply for a loan. In addition, since an error is displayed if the entered information relating to identity verification and customer information registered in the customer personal information database 300 are different, it is possible to prevent a loan application based on incorrect information. . Furthermore, there is no need to check the application form for applying for a loan, which enables rapid processing, and the personnel required for the conventional check can be allocated to customer service, thus increasing customer satisfaction. Can do.

The use of this system will be described with reference to FIG.
First, the customer inputs customer certification information including customer identification information from the tablet terminal 2 (S1). The customer authorization information is transmitted from the input information transmitting unit 20 and received by the information transmitting / receiving unit 310 of the customer information management server 3 (S2). Whether or not the data matching unit 301 matches the customer identification information included in the customer authorization information transmitted from the information transmitting / receiving unit 310 and a part of the information related to the customer attribute recorded in the customer personal information database 300. Is determined (S3).

  If they match, it accepts various customer application procedures (address change, etc.) and completes automatic registration in the accounting host computer. After completion of acceptance of the customer application procedure, information on the personal attributes recorded in the customer personal information database 300 and information on the service being used by the customer are sent from the data collating unit 301 to the suggestable service extracting unit 320 (S4). .

  The suggestable service extraction unit 320 extracts a service corresponding to the condition from the remaining services excluding the services already in use (S5). This extraction is determined based on whether or not a certain condition is satisfied based on information on the customer attribute.

  The extracted suggestable service information is sent from the suggestable service extracting unit 320 to the information transmitting / receiving unit 310 (S6). The suggestable service information received by the information transmitting / receiving unit 310 is sent to the provided service information receiving unit 21 of the tablet terminal 2 via the intra-bank network 4 (S7). The provided service information that can be proposed to the customer is displayed on the tablet terminal 2 as shown in FIG. 3, and if the customer selects one of the services, more detailed material is displayed (S8). If the customer wants to apply for the proposed service on the spot, the customer continues to accept the application at the tablet terminal 2 (S9). In addition, when the customer has no time, the user can specify the date and time, enter the next visit reservation, visit request to the customer's home, etc., and register (S10).

As described above, the sales support system according to the present invention enables efficient sales proposals and is easy to obtain customer satisfaction.
In addition, the sales support server according to the present invention enables efficient sales proposals and is easy to obtain customer satisfaction.
In addition, the sales support method according to the present invention enables efficient business proposals and is easy to obtain customer satisfaction.
In addition, the banking business processing method according to the present invention enables efficient business proposals and is easy to obtain customer satisfaction.

1 Sales Support System 2 Tablet Terminal 20 Input Information Transmitter 20
DESCRIPTION OF SYMBOLS 21 Receivable service receiving part 3 Customer information management server 30 Host server 300 Customer personal information database 301 Data collation part 31 Information transmission / reception server 310 Information transmission / reception part 311 Reception information recording part 32 Suggestable service information server 320 Suggestable service extraction part 321 Service Information recording section 4 Internal network

Claims (17)

A customer terminal having a customer confirmation information transmitting unit for transmitting customer confirmation information including identification information capable of identifying a customer, and a proposed service information receiving unit for receiving proposed service information regarding a service proposed to the customer;
Customer personal information record for recording customer personal information including customer confirmation information receiving unit for receiving customer confirmation information transmitted from the customer confirmation information transmitting unit, information on customer attributes, and information on services used by customers Received by the customer confirmation information receiving unit, information on customer attributes recorded in the customer personal information recording unit, and information on customer attributes recorded in the customer personal information recording unit Based on customer confirmation information, a customer confirmation information collation determination unit for determining whether or not the identification information matches with the customer attribute information, the customer confirmation information collation determination unit with the customer attribute information and the identification information Are matched, the provided service information recording unit provides the customer with information based on the customer personal information recorded in the customer personal information recording unit. Customer information management comprising: a proposed service information extracting unit that extracts predetermined proposed service information to be transmitted; and a proposed service information transmitting unit that transmits the proposed service information extracted by the proposed service information extracting unit to the proposed service information receiving unit Sales support system with server. The customer personal information recording unit includes information on whether or not an account has been opened, information on the registration status of a cash card with a credit function, information on merchandise information history, information on whether or not the bank is a designated bank for salary transfer and annuity, and ATM At least one piece of information about the payment status of the device overtime fee is recorded,
The business support system according to claim 1, wherein the proposed service information extraction unit extracts information relating to creation of a cash card with a credit function as suggested service information based on information recorded in the customer personal information recording unit. The customer personal information recording unit includes information on whether or not an account is opened, information on whether or not a card loan is contracted, information on a product guide history, information on the balance of a deposit account, information on the number of times of deposit account balance inquiry, customer At least one of the following: information on the company's office, information on mortgages, information on whether or not the mortgage is used and how long it has been used, information on the customer's residence, information on the customer's family structure, and information on transactions with other financial institutions Is recorded,
The business support system according to claim 1, wherein the proposed service information extraction unit extracts information related to a loan as proposed service information based on information recorded in the customer personal information recording unit. The customer personal information recording unit records at least one of information on whether or not an account is opened, information on whether or not there is an internet banking service contract, information on a balance inquiry of a deposit account, and information on whether or not there is a purchase history of an investment trust. And
The business support system according to claim 1, wherein the proposed service information extraction unit extracts information related to the Internet banking service as proposed service information based on information recorded in the customer personal information recording unit. In the customer personal information recording section, information on the customer's age, information on the transfer, information on the history of product guidance, information on the reason for opening an account, information on the work place of the customer, information on the use history of the transfer, and other financial institutions At least one piece of information related to transactions with
The proposed service information extraction unit extracts information related to an annuity-related service, salary receipt, automatic remittance service, or a service charge deduction service as suggested service information based on information recorded in the customer personal information recording unit. The sales support system described. In the customer personal information recording unit, information on the change history of customer attributes, information on opening an account under the same household name, information on product information history, information on the family structure of the customer, information on the reason for opening the account, At least one of information on account balance, information on investment trust usage history and information on investment trust is recorded,
The business support system according to claim 1, wherein the proposed service information extraction unit extracts information related to a financial product as suggested service information based on information recorded in the customer personal information recording unit. The customer personal information recording unit records at least one of information on whether or not there is a point service contract, information on a deposit amount, and information on whether or not there is a safe deposit contract,
The business support system according to claim 1, wherein the proposed service information extraction unit extracts information related to a point service as proposed service information based on information recorded in the customer personal information recording unit. The customer information management server includes:
Information on the customer's work place, customer's annual income, information on the customer's family, information on the customer's residence, information on the customer's debt, information on the customer's repayment, use of the loan, loan from other companies A customer loan information recording section that records information about borrowings at the company, information on the existence of payments,
An examination criteria information recording section in which information related to loan examination is recorded,
The sales support system according to claim 1, further comprising: a loan screening unit that determines whether the screening standard is satisfied based on information recorded in the screening standard information recording unit and the customer loan information recording unit. . A customer confirmation information receiving unit for receiving customer confirmation information including identification information capable of identifying a customer;
A customer personal information recording unit for recording customer personal information including information on customer attributes and information on services used by the customer;
An available service information recording unit for recording available service information related to services that can be provided to customers;
Based on the customer attribute information recorded in the customer personal information recording unit and the customer confirmation information received by the customer confirmation information receiving unit, it is determined whether the customer attribute information matches the identification information. A customer confirmation information collation determination unit;
When the customer confirmation information collation determination unit matches the customer attribute information and the identification information, based on the customer personal information recorded in the customer personal information recording unit, the service information recording unit that can be provided to the customer A proposed service information extracting unit that extracts predetermined proposed service information to be proposed;
A customer information management server comprising: a proposed service information transmitting unit that transmits the proposed service information extracted by the proposed service information extracting unit to a proposed service information receiving unit. Information on the customer's work place, customer's annual income, information on the customer's family, information on the customer's residence, information on the customer's debt, information on the customer's repayment, use of the loan, loan from other companies A customer loan information recording section that records information about borrowings at the company, information on the existence of payments,
An examination criteria information recording section in which information related to loan examination is recorded,
The customer information management server according to claim 9, further comprising: a loan screening unit that determines whether the screening standard is satisfied based on information recorded in the screening standard information recording unit and the customer loan information recording unit. A collation process for determining whether or not the customer attribute information and customer confirmation information including identification information that can identify the customer match,
When the identification information matches with the customer attribute information in the matching process, the customer information or the service used by the customer and the service information that can be provided to the customer are provided to the customer. A sales support method comprising: an extraction step of extracting predetermined proposal service information to be proposed. Presenting a predetermined banking operation to a customer via a tablet terminal;
A banking transaction processing method comprising: receiving application information regarding the contents of the selected banking operation by inputting the information into the tablet terminal. The bank transaction processing method according to claim 12, further comprising a step of confirming the identity of a customer via the tablet terminal. The banking business processing method according to claim 12 or 13, further comprising a step of automatically transmitting the application information input and received to the tablet terminal to an account host computer and registering the application information in the account host computer. The bank transaction processing method according to claim 14, further comprising a step of proposing a service that can be proposed based on information related to a customer's past application and information related to a customer's attributes after the application information is registered in the account host computer. . The banking business processing method according to claim 14, further comprising a step in which at least a part of office work related to the selected business automatically proceeds after the application information is registered in the account host computer. The bank transaction processing method according to claim 14 or 16, further comprising a step of automatically setting schedule information regarding the progress of office work related to the selected operation after the application information is registered in the account host computer. .