JP2020017164A - Information providing system and information providing device and information providing processing program - Google Patents

Abstract

To provide means for improving convenience for financial behavior of a customer.SOLUTION: An information providing system connects a host device with an information providing device. The host device includes transaction history information of a customer and a customer information storage section for storing balance information. The information providing device includes: a customer account information acquisition section for acquiring the transaction history information and the balance information from the host device; a congestion information storage section for storing a congestion state of a store; a calendar creation section for creating a calendar in which the congestion state, the transaction history information, and the balance information are written; and a calendar transmission section for transmitting the created calendar to the customer.SELECTED DRAWING: Figure 1

Description

  The present invention relates to an information providing system, an information providing apparatus, and an information providing processing program for providing customer balance information, a store congestion state, and the like in response to a request from a customer.

  A conventional account information providing system displays deposit / withdrawal history information and the like on a calendar in response to a request from a customer (for example, see Patent Document 1).

JP 2005-216097 A (Paragraphs 0036, 0049-0053, FIG. 7)

However, in the above-described conventional technology, even if a customer comes up with a financial action such as asset management due to a margin in the displayed deposit balance or the like, it is unclear whether the customer can make an outbound reservation or not. There is a problem that it may not lead to financial actions.
The present invention has been made in order to solve the above problems, and has as its object to provide means for improving the convenience of a customer for financial behavior.

  The present invention, in order to solve the above-mentioned problems, is an information providing system in which a higher-level device and an information providing device are connected, wherein the higher-level device stores customer transaction history information and customer information storing balance information. The information providing device, from the higher-level device, a customer account information acquisition unit that acquires the transaction history information and the balance information, a congestion information storage unit that stores the congestion state of the store, the congestion state, A calendar creation unit for creating a calendar in which the transaction history information and the balance information are described, and a calendar transmission unit for sending the created calendar to a customer.

  According to the present invention as described above, the congestion information of the store, the transaction history information and the balance information of the customer are described in the detailed calendar, so that when the customer comes up with a financial action, the customer decides whether or not to make an outbound reservation on the spot. This makes it possible to improve customer convenience.

1 is a block diagram illustrating an information providing system according to an embodiment. 5 is a flowchart illustrating an information providing process of the information providing server according to the embodiment. Explanatory diagram showing a display example of a transaction selection screen of the embodiment Explanatory diagram showing a display example of the detailed calendar screen of the embodiment Explanatory diagram showing a display example of a visiting reservation reception screen of the embodiment

  Hereinafter, embodiments of an information providing system, an information providing apparatus, and an information providing processing program according to the present invention will be described with reference to the drawings.

An information providing system and an information providing server according to the present embodiment will be described below with reference to FIGS.
As shown in FIG. 1, the information providing system of the present embodiment connects a customer terminal 1, a host computer 2, a store terminal 3, an Internet banking device 4, and an information providing server 10 by a communication line 5 such as the Internet or a telephone line. Connected and configured.

The customer terminal 1 is a terminal device such as a smartphone, a personal computer, and a tablet terminal owned by a depositor (referred to as a customer) who has opened an account with a financial institution such as a bank. The customer performs Internet banking and the like. Sometimes used.
The host computer 2 as a higher-level device is an information processing device installed at a center of a financial institution, and stores a customer information database (hereinafter, referred to as a customer information storage unit) for storing customer information of a customer who is an account opener. It has a function of managing the customer's account by holding the 2a.

In the customer information DB 2a, a financial institution name, a store number, an account number, an account subject, a password, and an account balance as balance information of a customer's account are associated with a customer ID as a customer identifier for individually identifying the customer. In addition, customer information such as transaction history information in which transaction contents of each transaction are recorded in chronological order is stored.
In the present embodiment, a combination of the store number and the account number of the customer's account is used as the customer ID.

  The store terminal 3 is a terminal device such as a personal computer installed in each store such as a branch of a financial institution. The store terminal 3 is an operator of a store counter, a clerk, a clerk such as a maintenance person, or a financing or asset manager. This is used when the sales department staff or the like inputs work schedules and transaction details.

  The Internet banking device 4 is an information processing device that provides a transaction service to a customer of a financial institution via the Internet, and has a function of receiving registration by the customer from a homepage established by the financial institution and storing the registration in the registrant information DB 4a. And a function of displaying a transfer transaction, a balance inquiry, a transaction history, and the like on the customer terminal 1 in response to a customer request.

The registrant information DB 4a stores registrant information including a customer name as a registrant, a password registered by the customer, and the like in association with the customer ID.
The information providing server 10 as an information providing device is an information processing device installed in an information management center of a financial institution, and includes information on customer use of a store, a schedule of a person in charge of each store, a congestion state of each store, and the like. And a function of displaying a detailed calendar of the present embodiment on the customer terminal 1 in response to a customer's request, and has the configuration shown in FIG.

The control unit 11 of the information providing server 10 is connected to the host computer 2, the shop terminal 3, and the Internet banking device 4 via the communication line 5 by the communication unit 12, and controls each unit in the information providing server 10. In addition, it has a function of executing the information provision processing and the like of the present embodiment.
The communication unit 12 has a function of connecting the information providing server 10 and the host computer 2 and the like so that they can communicate with each other via the communication line 5.

The storage unit 13 includes a ROM for storing a program executed by the control unit 11 and various data used for the processing, a RAM for storing a processing result by the control unit 11, and the like.
An information provision processing program having a function of performing the information provision processing described with reference to FIG. 2 is stored in advance in the storage unit 13 of the present embodiment, and a personnel information storage unit 13a that stores personnel information used in the program. A congestion information storage unit 13b for storing the congestion state of each store, and a usage information storage unit 13c for storing the usage information of the store by the customer.

The clerk information storage unit 13a stores clerk information of the clerk of the sales department, such as asset management, transmitted from the store terminal 3 of each store, the clerk information including work schedules for each day and time zone from today onward for each store. , Stored by person in charge.
In the congestion information storage unit 13b, congestion information of each store for each day after today and for each time zone is stored for each store.

  Such congestion information can be obtained by a store clerk or the like from the number of users and the usage time per person at a store counter or an automatic teller machine (ATM) for a predetermined period (for example, three years) in the past. Of the same day of the same month in the past based on the record of the same day in the past and the same day of the same month in the same month in consideration of the difference in the day of the week. Alternatively, the average value of the congestion state under the same condition (weekday, Saturday, Sunday, or the like) among the congestion states on the same day in the past may be obtained, and the predicted value of the congestion state may be automatically obtained.

The usage information storage unit 13c stores usage information including a store name used by the customer, a name of a person in charge at the store (in the case of a plurality of people, a plurality of person names), and the like.
In this case, the store name of the store used by the customer is the store name of the store that has been used most frequently among the stores or ATMs used by the customer during a predetermined period in the past (for example, three years). Is described.

In addition, the name of the person in charge usually responds while sitting face to face with the customer across the short counter, and the name of the person in charge who responded to the customer name from the store terminal 3 after the response, The response information including the store name is transmitted to the information providing server 10, and the information providing server 10 stores the name of the person in charge of the received response information in the usage information of the customer.
The following functional units are formed in the control unit 11 by the information provision processing program.

The customer account information acquisition unit 11a has a function of communicating with the host computer 2 via the communication unit 12 and the communication line 5 to acquire customer account information including customer transaction history information and balance information.
Based on the customer account information obtained from the host computer 2, the usage information, the person in charge, and the congestion information read from the storage unit 13, the detailed calendar creation unit 11 b trades with the January calendar including the calendar creation date. It has a function of creating a detailed calendar (see FIG. 4) in which history, account balance, work schedule of the person in charge, congestion information of the store, and the like are written.

Hereinafter, the information providing process by the information providing server 10 of the present embodiment will be described with reference to the flowchart shown in FIG.
When the power of the information providing server 10 is turned on, the information providing processing program stored in the storage unit 13 of the information providing server 10 is automatically started.

  S1: When the information provision processing program is started, the control unit 11 of the information provision server 10 waits by the communication unit 12 waiting for reception of the clerk information transmitted from the shop terminal 3 via the communication line 5, If the clerk information has been received from the shop terminal 3, the process proceeds to step S2. If the clerk information has not been received, the process proceeds to step S3.

  In this case, the clerk information transmitted from the store terminal 3 describes the store name, the clerk's name, and the work schedule of the clerk for each day and time period after today.

  S2: The control unit 11 having received the clerk information specifies the clerk information of the clerk in the clerk information storage unit 13a of the storage unit 13 based on the store name and the clerk name of the received clerk information. Then, the specified person in charge information is rewritten to the received person in charge information, and the process proceeds to step S3.

  In this way, the clerk information in the clerk information storage unit 13a is updated as needed.

  S3: The control unit 11 waits for reception of the congestion information transmitted from the store terminal 3 via the communication line 5 by the communication unit 12, and waits. When the congestion information is received from the store terminal 3, the control unit 11 proceeds to step S4. Transition. If congestion information is not received, the process proceeds to step S5.

  In this case, the congestion information transmitted from the store terminal 3 describes the name of the store and the congestion state of the store for each day and time zone after today.

  S4: The control unit 11 that has received the congestion information specifies the congestion information of the store in the congestion information storage unit 13b of the storage unit 13 based on the store name of the received congestion information, and receives the specified congestion information. The process is rewritten with the congestion information and the process proceeds to step S5.

  Thus, the congestion information in the congestion information storage unit 13a is updated as needed.

  S5: The control unit 11 waits for the reception of the response information transmitted from the store terminal 3 via the communication line 5 by the communication unit 12, and waits. When the response information is received from the store terminal 3, the control unit 11 proceeds to step S6. Transition. If the response information has not been received, the process proceeds to step S7.

  In this case, the reception information transmitted from the store terminal 3 describes the name of the store, the name of the person in charge, the name of the customer, and the details of the reception.

  S6: The control unit 11 that has received the response information specifies the usage information of the customer in the usage information storage unit 13c of the storage unit 13 based on the customer name of the received response information, and If the person name does not exist, the name of the person in charge of the received response information is added, and the process proceeds to step S7.

  In this way, the name of the person in charge of the usage information in the usage information storage unit 13a is accumulated at any time.

  S7: The control unit 11 acquires the detailed calendar transmitted from the Internet banking device 4 via the communication line 5 by the communication unit 12 while collecting the information used for creating the detailed calendar in steps S1 to S6. If it waits for the request and waits for reception of the detailed calendar acquisition request from the Internet banking device 4, it returns to step S1 and continues to wait in steps S1, S3, S5 and S7.

  The detailed calendar acquisition request from the Internet banking device 4 is transmitted as follows.

When a customer wants to display a detailed calendar on the screen of the customer terminal 1, the customer who is a registrant of Internet banking launches a homepage of a financial institution that has opened an account on the display screen of the customer terminal 1. , "Internet banking" is selected on the screen, and a customer ID, a password and the like are input.
The customer terminal 1 transmits the input customer ID and password to the Internet banking device 4 via the communication line 5.

  The Internet banking device 4 that has received the customer ID and the password from the customer terminal 1 searches the registrant information in the registrant information DB 4a based on the received customer ID, and finds that the customer ID exists and is registered with the received password. If the passwords match, the customer is authenticated as a registrant and a transaction selection screen is transmitted to the customer terminal 1. The customer terminal 1 displays the transaction selection screen shown in FIG. 3 received from the Internet banking device 4 on the display screen.

On the transaction selection screen, the words to prompt the selection with the transaction selection button, the "transfer" button for the transfer transaction, the "transfer" button for the transfer transaction, and the balance inquiry transaction to check the account balance A "Detailed Calendar" button for displaying a detailed calendar is displayed.
In this embodiment, the customer selects the display of the detailed calendar, and selects the “detailed calendar” button on the display screen by using a touch panel, a mouse, or the like.
The customer terminal 1, which has recognized the selection of the “detailed calendar” button by the customer, transmits a detailed calendar acquisition request to the Internet banking device 4.

  The Internet banking device 4 that has received the detailed calendar acquisition request from the customer terminal 1 reads the registrant's customer name and customer ID of the registrant information used for the authentication, and adds the read customer name and customer ID to the details. A calendar acquisition request is transmitted to the information providing server 10 via the communication line 5 to step S7.

  The control unit 11 of the information providing server 10 that has received the detailed calendar acquisition request from the Internet banking device 4 temporarily stores the received customer name and customer ID in the storage unit 13 and proceeds to step S8.

  S8: The control unit 11 having received the detailed calendar acquisition request reads the temporarily stored customer ID, and the customer account information acquisition unit 11a sends the customer account information acquisition request with the read customer ID to the communication unit 12, the communication line. 5 to the host computer 2.

The host computer 2 that has received the customer account information acquisition request searches the customer information DB 2a based on the received customer ID, and retrieves balance information as an account balance and past transaction history information from the customer information with the matching customer ID. The customer account information including the read balance information and the transaction history information is transmitted to the information providing server 10 via the communication line 5.
After transmitting the customer account information acquisition request, the control unit 11 of the information providing server 10 that has been waiting for the reception of the customer account information from the host computer 2 receives the customer account information from the host computer 2 and receives the request. The stored customer account information is stored in the storage unit 13.

  S9: The control unit 11 having acquired the customer account information reads the store name from the use information of the customer in the use information storage unit 13c of the storage unit 13 based on the temporarily stored customer name, and based on the read store name. The congestion information of the store is read from the congestion information storage unit 13b.

  S10: Further, the control unit 11 reads out the work schedule of the person in charge from the person in charge information storage unit 13a based on the store name and the person in charge in the usage information of the customer.

  In this case, when a plurality of persons in charge are described in the usage information, the work schedules of the plurality of persons in charge are read.

  S11: The control unit 11, which has read the congestion information and the person in charge information, reads the customer account information stored in the storage unit 13, and creates a detailed calendar by the detailed calendar creating unit 11b based on the information.

  As shown in FIG. 4, the detailed calendar includes a date frame for each day of the month including the reception date of the detailed calendar acquisition request, which is the date of the month of January, and is vertically arranged every week from Sunday to Saturday. The arranged calendar frame is created, the reception date is emphasized as a bold frame, and in each date frame after the reception date, the store name (XX branch in the example in the figure) of the usage information, its holiday, and the congestion of the store. The information congestion state, the name of the person in charge of the person in charge information (persons in charge YY, ZZ in the example in the figure) and the absence schedule thereof are described.

In each date frame before the reception date, the transaction contents of the transaction history information of the customer account information (deposit / withdrawal history and its description), and the account balance after deposit / withdrawal of the balance information are described.
The upper part of the calendar frame describes an operation method for making reservations for visiting for consultation on financial behavior, and the lower part describes messages and advertisements from financial institutions.

  S12: The control unit 11, which has created the detailed calendar, transmits the detailed calendar with the customer name to the Internet banking device 4 via the communication line 5 by the communication unit 12. At this time, the communication unit 12 functions as a calendar transmission unit.

The Internet banking device 4 having received the detailed calendar specifies the customer terminal 1 of the customer by the received customer name, and transmits the received detailed calendar to the customer terminal 1 via the communication line 5.
The customer terminal 1 that has received the detailed calendar from the Internet banking device 4 displays the detailed calendar screen (see FIG. 4) on its display screen.

  The customer who has viewed the detailed calendar screen displayed on the customer terminal 1 checks the display contents such as the congestion state of the store and the absence of the person in charge, and says, "I want to go to the store to consult about asset management because the number of deposits has increased. If you come up with a financial action such as "", select and press the desired date of consultation from the detailed calendar screen.

The client terminal 1 that has received the selection of the desired consultation date transmits a reservation request with the selected desired consultation date to the Internet banking device 4.
The Internet banking device 4 that has received the request transmits the received consultation desired date and the reservation request with the customer name to step S13 of the information providing server 10.

  S13: After transmitting the detailed calendar, the control unit 11 waits for a predetermined waiting time (for example, 2 minutes) after receiving the reservation request, and when the predetermined waiting time has elapsed, there is no request for consultation by the customer. The determination is made to end the current information providing process, the process returns to step S1, and the standby in steps S1, S3, S5, and S7 is continued.

  If a reservation request has been received from the Internet banking device 4 before the predetermined standby time has elapsed, the process proceeds to step S14.

  S14: The control unit 11, which has received the reservation request, reads the store name from the usage information based on the received customer name, and reads the contact name of the customer from the contact information based on the read store name and customer name. Then, an outbound reservation reception screen is created based on the store name, the person in charge, and the consultation desired date.

  S15: The control unit 11, which has created the visit reservation reception screen, transmits the visit reservation reception screen with the customer name to the customer terminal 1 in the same manner as in step 12, and the customer terminal 1 receives the visit reservation reception screen on the display screen. Display the visiting reservation reception screen.

As shown in FIG. 5, on the visit reservation reception screen, the name of the visit store (XX branch in the example in the figure), a message prompting the user to enter the desired visit time, an entry field for the visit desired date and time, and consultation time , An input column for the name of the person in charge, an input column for the contents of the consultation, etc. are displayed.
In this case, the received consultation desired date is displayed in advance in the entry field of the desired visit date.

  The customer who has visually recognized the visiting reservation reception screen displayed on the customer terminal 1 uses a pull-down menu or the like to request a visiting time (10:30 in the example in the figure), consultation time (1 hour in the example in the figure) ), The name of the person in charge (in the example shown, person in charge YY), and the contents of the consultation (in the example shown, asset management) are input.

At this time, in this embodiment, since the time zone during which the person in charge YY is absent is notified in advance by the detailed calendar, the customer can input the desired visiting time while avoiding the time zone.
The customer terminal 1 which has received the input from the visit reservation reception screen transmits the reservation reception information including the desired visit time, consultation time, name of the person in charge of the visit, and consultation contents to the information providing server in the same manner as in step 12 above. It transmits to step S15 of 10.

  S15: After transmitting the display data of the visiting reservation reception screen, the control unit 11, which has been waiting for reception of the reservation reception information, shifts to step S16 when receiving the reservation reception information. If the reservation reception information is not received, the above-described standby is continued.

  S16: The control unit 11, which has received the reservation reception information, reads out the work schedule for each time zone on the consultation desired date of the person in charge of the reception person received from the person in charge information, and in the received time period of the visiting request, If it is confirmed that the person is present, the customer name, desired visit date and time, the name of the person in charge, to the store terminal 3 of the store where the person in charge is registered via the communication unit 12 and the communication line 5 The visit reservation information including the consultation time and the consultation contents is transmitted.

The store terminal 3 that has received the visiting reservation information writes the contents of the visiting reservation information in the work schedule of the person in charge of the received person in charge.
In the case where the person in charge is present at the time of the received visit request, but the other reservation has been previously determined, the control unit 11 sends the visit reservation change request stating that fact to the Internet banking. The information is transmitted to the customer terminal 1 via the device 4, and the reservation reception information from the customer terminal 1 is received again.

On the other hand, the control unit 11 of the information providing server 10 that has transmitted the visit reservation information to the store terminal 3 transmits a reservation completion notification to the effect that the visit reservation has been completed to the customer terminal 1 via the Internet banking device 4, and And the process returns to step S1, and the standby in steps S1, S3, S5, and S7 is continued.
The reservation completion notice is transmitted from the Internet banking device 4 to the customer terminal 1, and the customer confirms the reservation completion by the reservation completion notice displayed on the customer terminal 1.
Thus, the information providing process by the information providing server 10 of the present embodiment is executed.

  As described above, in the present embodiment, the congestion information of the store, the transaction history information of the customer, and the balance information are described in the detailed calendar, so that when the customer comes up with a financial action, the customer can determine whether or not to make a visiting reservation. This makes it possible to make decisions on the spot, improving the convenience of the customer, and increasing the business opportunity of the financial institution associated with the financial behavior of the customer.

In addition, the detailed calendar describes the congestion state of the store and the work schedule of the person in charge after the date on which the detailed calendar acquisition request was issued, so that the customer can determine the date and time of making an outbound reservation on the spot.
Further, since a reservation for visiting a store is accepted from the detailed calendar screen, the customer can confirm the establishment of the reservation on the spot.

  In the above embodiment, the person-in-charge information storage unit 13a and the congestion information storage unit 13b are described as being provided in the information providing server 10. However, the congestion inquiry including the person-in-charge information storage unit 13a and the congestion information storage unit 13b is described. A server may be provided, and the congestion inquiry server may be connected to the communication line 5 so that when the information providing server 10 creates a detailed calendar, the contact information and the congestion information are acquired from the congestion inquiry server.

  In the above embodiment, the Internet banking device 4 and the information providing server 10 have been described as being provided separately. However, these functions may be integrated to perform information providing processing and the like in one information providing server 10. Good.

  Furthermore, in each of the above-described embodiments, the display target of the detailed calendar is not particularly limited. However, referring to the customer account information, the display function of the detailed calendar is enabled for a customer whose account balance is a certain amount or more. You may make it. In this case, a second transaction selection screen in which the “detailed calendar” button is not displayed is prepared, and in the case of a customer whose account balance is less than a certain amount, the Internet banking device 4 sends the second transaction selection screen to the customer terminal 1. Send. As a result, it is possible to narrow down the visit reservation targets by providing the detailed calendar function to customers who are likely to cause financial activities such as asset management, and to improve the efficiency of the work of the person in charge of the financial institution.

  Further, in each of the above-described embodiments, the description has been made assuming that the name of the store and its holidays, the congestion state of the store, and the name of the person in charge and the absence thereof are described in the date frame of the detailed calendar. Alternatively, a maintenance schedule or a transaction suspension schedule of an ATM may be described.

Reference Signs List 1 customer terminal 2 host computer 2a customer information database 3 store terminal 4 internet banking device 4a registrant information database 5 communication line 10 information providing server 11 control unit 11a customer account information acquisition unit 11b detailed calendar creation unit 12 communication unit 13 storage unit 13a Person in charge information storage unit 13b Congestion information storage unit 13c Usage information storage unit

Claims (6)

An information providing system that connects a higher-level device and an information providing device,
The upper device,
A customer information storage unit for storing customer transaction history information and balance information,
The information providing device,
From the higher-level device, a customer account information acquisition unit that acquires the transaction history information and the balance information,
A congestion information storage unit that stores the congestion state of the store;
A calendar creating unit that creates a calendar in which the congestion state, the transaction history information, and the balance information are written;
An information providing system, comprising: a calendar transmitting unit that transmits the created calendar to a customer. The information providing system according to claim 1,
The information providing system according to claim 1, wherein the congestion state is a congestion state every day after the date when the calendar is transmitted. In the information providing system according to claim 1 or 2,
In the information providing device, a staff information storage unit that stores the work schedule of the staff in the store is provided,
The calendar creating unit,
An information providing system, wherein an operation schedule of the person in charge is described in the calendar every day after the date when the calendar was transmitted. In the information providing system according to any one of claims 1 to 3,
While connecting the higher-level device and the information providing device via a communication line, connecting a customer terminal of a customer to the communication line,
Displaying the calendar transmitted from the information providing device on the customer terminal,
The information providing device,
An information providing system, wherein a reservation for visiting a store is received from the customer terminal. An information providing device that is connected to a higher-level device including a customer information storage unit that stores customer transaction history information and balance information,
From the higher-level device, a customer account information acquisition unit that acquires the transaction history information and the balance information,
A congestion information storage unit that stores the congestion state of the store;
A calendar creating unit that creates a calendar in which the congestion state, the transaction history information, and the balance information are written;
An information providing apparatus, comprising: a calendar transmitting unit that transmits the created calendar to a customer. An information providing processing program of an information providing apparatus connected to a higher-level device including a customer information storage unit that stores transaction history information and balance information of a customer, and including a congestion information storage unit that stores a congestion state of a store,
Acquiring the transaction history information and the balance information from the higher-level device;
Reading the congestion state from the congestion information storage unit;
Creating a calendar in which the congestion state, the transaction history information, and the balance information are written;
Transmitting the created calendar to the customer.

Images