JP2020086810A - Financial transaction assisting method, program, and financial transaction assisting system - Google Patents

Abstract

To assist financial transactions for a client who is an investor.SOLUTION: A client uses a QR code (R) displayed in a first webpage displayed in a display of a client terminal 14 which is a mobile terminal and the like, for performing a registration against an account of LINE@ (R) generated by an assisting provider (S14). The client uses an URL obtained through the LINE@ (R), for displaying a second webpage in the display of the client terminal 14 (S17). The client taps the link destination URL displayed in the second webpage, and communicates with a financial transaction server operated by a financial transaction provider, for opening an account and depositing to the opened account (S18). After depositing to the account, an automatic trade program is transmitted to the client (S21), and also the client is approved to participate in a forum site. The client refers to statements of other clients in the forum site, for performing the financial transactions using the automatic trade program.SELECTED DRAWING: Figure 4

Description

The present invention relates to a method for supporting a financial transaction of an investor through a financial transaction operator, a system for realizing the method, and a program executed in the system.

Web pages that introduce financial transaction companies that trade financial products such as stocks and foreign currencies are available on the Internet. This web page includes, for example, a URL disclosed by a financial transaction business operator as a link destination URL. The investor selects the linked URL of the web page to access the URL published by the financial transaction business operator introduced by the web page. Then, the investor performs procedures such as opening an account and conducts financial transactions through the financial transaction business operator.

Patent Document 1 discloses a system in which a financial transaction business operator supports financial transactions of investors. The system sends materials regarding investment in financial products and the name of the person in charge of advice to investors who have completed the membership procedure.

Patent Document 2 discloses a system in which a financial transaction business operator supports financial transactions of investors. The system sends a request for information acquisition from one investor who has completed the membership procedure to another investor, and after obtaining approval from the other investor, acquires information from the other investor. And send it to the above-mentioned one investor.

JP, 2014-123278, A JP, 2002-342581, A

In the system described in Patent Document 1, the investor needs to scrutinize the transmitted materials and advice from the person in charge. Investors who cannot afford this time may lose their willingness to trade financially.

In addition, the system described in Patent Document 2 has a problem that investors cannot exchange opinions easily and easily.

The present invention has been made in view of the above circumstances (problems), and an object thereof is to support smooth financial transactions of investors.

(1) The financial transaction support method according to the present invention is a method in which a support enterprise supports a customer's financial transaction by using a web server that responds to a request through the internet and a management terminal connected to the internet. is there. The financial transaction support method according to the present invention is a linked URL that is a URL opened by a financial transaction business operator to open an account and a support business operator by the web server in response to a request from a customer terminal received through the Internet. The first step of returning a response including a support business operator ID indicating through the Internet, and the management terminal receiving customer information including the account number given to the account opened by the financial transaction business operator to the customer through the Internet. And a third step in which the management terminal transmits an automatic trading program for automatically trading financial products to the customer terminal of a customer who has opened an account via the Internet.

The customer opens an account using the linked URL provided by the support business. Then, an automatic trading program for automatically trading financial products is provided to a customer who has opened an account using the linked URL. That is, introduction of a financial transaction business operator and provision of an automatic trading program are performed as a set. For example, a customer who does not have the time or motivation to scrutinize materials opens an account with the introduced financial transaction business operator and trades financial products on the assumption that an automatic trading program is used. Therefore, the financial transaction support method according to the present invention can support the financial transaction of the customer.

(2) In the financial transaction support method according to the present invention, the management terminal receives a generation instruction to generate an account for a call application on the Internet provided by a telecommunications carrier, and the management terminal uses the web. A fifth step of transmitting the URL disclosed by the server to the customer who has registered for the account through the call application may be further included. The third step is a step in which the management terminal transmits the automatic trading program to the customer using the call application.

The support business operator uses the management terminal to transmit the information about the financial transaction and the automatic trading program to the customer registered in the call application. Then, the support company uses the web server to support the customer's account opening. The support business operator sends the automatic trading program to the customer who has opened an account using a call application. The support business operator can communicate with the customer using the call application, and uses the call application for communication to send the automatic trading program to the customer.

(3) In the financial transaction support method according to the present invention, the web server performs a sixth step of accepting an application for participation in an exchange site, and the management terminal provides a customer who opens an account using the linked URL. And a seventh step of transmitting the participation means information necessary for participating in the exchange site to the customer terminal of the customer.

In response to the request from the customer who opened the account, the participation means information necessary for participating in the exchange site where only the customer who registered the customer can join is transmitted. The exchange site is, for example, a site provided in the line band (registered trademark). The participation means information is, for example, a line band (registered trademark) terminal program (application) and authorization information. For example, the customer exchanges opinions about financial transactions, such as opinions about the acquired automatic trading program and opinions about the current trading market, with other customers on the exchange site. The customer conducts a financial transaction based on the information obtained at the exchange site. That is, the customer can conduct the financial transaction by referring to the opinions of other customers who perform the similar financial transaction using the automatic trading program. As a result, the financial transaction support method according to the present invention can more effectively support the financial transaction of the customer.

(4) In the financial transaction support method according to the present invention, the management terminal obtains an account number and transaction information related to financial transaction through the Internet in the eighth step, and the management terminal obtains in the eighth step. The ninth step of registering the transaction information in the database may be further included.

It is possible to manage transaction information, which is information related to financial transactions conducted by customers, in a database.

(5) The exchange site may be plural. The financial transaction support method according to the present invention further comprises a tenth step in which the management terminal transmits, to the customer terminal of the customer, information indicating the exchange site to which the customer registered in the database is proper to belong. ..

A plurality of exchange sites are provided, for example, depending on the type of financial product to be traded, such as stocks and foreign currencies, the experience such as the number of years of trading, the transaction amount, or the frequency of transactions. The operator of the management terminal refers to the transaction information of the customer, for example, and determines one suitable exchange site to which the customer belongs. The management terminal transmits the exchange site determined by the operator to the customer terminal. Therefore, the financial transaction support method of the present invention can contact the customer with an appropriate exchange site according to the situation of the financial transaction, and as a result, can further effectively support the financial transaction of the customer. The plurality of exchange sites is a concept including a plurality of categorized groups in one exchange site.

(6) In the financial transaction support method according to the present invention, the management terminal registers the account in a call application on the Internet provided by a communication carrier, and the management terminal publishes the web server. A fifth step of transmitting the URL to the customer who has registered for the account through the call application. The seventh step is a step in which the management terminal transmits the participation means information to the customer terminal using the call application.

The support business operator uses the management terminal to transmit the information about the financial transaction and the automatic trading program to the customer registered in the call application. Then, the support company uses the web server to support the customer's account opening. The support company transmits the participation means information to the customer who has opened the account, using the call application. The support business operator can use the call application to communicate with the customer, and use the call application for communication to allow the customer to participate in the exchange site.

(7) The financial transaction support method according to the present invention may further include an eleventh step in which the management terminal receives an input of an instruction to suspend a customer's eligibility to participate in the exchange site.

Customers who express inappropriate opinions on the exchange site are forcibly withdrawn from the exchange site. As a result, the financial transaction support method of the present invention can stably maintain the financial transaction support of the customer.

(8) The financial transaction support method according to the present invention uses a web server that responds to a request through the Internet and a management terminal connected to the Internet to perform a financial transaction in which a support business supports a customer's financial transaction. It is a support method. In the financial transaction support method according to the present invention, the web server is a URL that is a URL opened by a financial transaction server operated by a financial transaction business operator for opening an account in response to a request from a customer terminal received through the Internet. A first step of returning a response including a destination URL and a support company ID indicating a support company through the Internet, and the management terminal includes an account number given to an account opened by the financial transaction company for a customer. The second step of receiving customer information through the Internet, the sixth step of the web server accepting an application for participation in an exchange site, and the management terminal for a customer who has opened an account using the linked URL. And a seventh step of transmitting the participation means information necessary for participating in the exchange site to the customer terminal of the customer.

The customer opens an account using the linked URL provided by the support business. Then, in response to a request from a customer who has opened an account, participation means information required for participation in an exchange site where only the customer who has registered as a customer can join is transmitted to the customer. The exchange site is, for example, a site provided in the line band (registered trademark). The participation means information is, for example, a line band (registered trademark) terminal program (application) and authorization information. Customers exchange opinions about financial transactions with other customers, such as opinions about current trading markets, at an exchange site, for example. The customer conducts a financial transaction based on the information obtained at the exchange site. That is, a customer can conduct a financial transaction with reference to the opinions of other customers. As a result, the financial transaction support method according to the present invention can more effectively support the financial transaction of the customer.

(9) The program according to the present invention is a program executed by a computer of a management terminal that communicates through the Internet with a Web server that publishes the URL of a Web page and responds to a request through the Internet. The web server, in response to a request received from a customer via the Internet, is a linked URL that is a URL disclosed by a financial transaction business operator for opening an account, and a support business operator ID indicating a support business operator that supports financial transactions. A web page containing a response is sent through the Internet. The program according to the present invention includes a first process for receiving an account number via the Internet, a second process for obtaining a communication address of a customer terminal of a customer, and an account number matching the account number received in the first process in a memory. Stored in the computer, the computer is caused to execute a third process of transmitting an automatic trading program for automatically trading financial products through the Internet to the communication address received in the second process.

The program according to the present invention can transmit an automatic trading program to a customer who desires the automatic trading program without receiving an instruction from an operator.

(10) The program according to the present invention, in accordance with the fact that the account number that matches the account number received in the first process is stored in the memory, exchanges with the communication address received in the second process. The computer may further be caused to execute a fourth process of transmitting participation means information necessary for participating in the site through the Internet.

The program according to the present invention can permit a customer who wants to participate in the exchange site to participate without receiving an instruction from an operator.

(11) A financial transaction support system according to the present invention includes a web server that publishes a URL of a web page and responds to a request through the internet, and a management terminal that communicates with the web server through the internet. The web server has a first communication module and a first controller connected to the Internet. The management terminal has a second communication module and a second controller connected to the Internet. The first controller is a support company that indicates a linked URL that is a URL that is opened by a financial transaction business operator to open an account and a support business operator that supports financial transactions in response to a request received from a customer through the Internet. A process of returning a response including an ID via the Internet is executed. The second controller has a first process of receiving an account number through the Internet, a second process of receiving a communication address of a customer terminal of a customer through the Internet, and an account number matching the account number received in the first process. In response to being stored in the memory, a third process of transmitting an automatic trading program for automatically trading financial products via the Internet to the communication address received in the second process is executed.

The customer opens an account using the linked URL provided by the support business. Then, an automatic trading program for automatically trading financial products is provided to a customer who has opened an account using the linked URL. That is, introduction of a financial transaction business operator and provision of an automatic trading program are performed as a set. For example, a customer who does not have the time or motivation to scrutinize materials opens an account with the introduced financial transaction business operator and trades financial products on the assumption that an automatic trading program is used. Therefore, the financial transaction support system according to the present invention can support the financial transaction of the customer.

(12) The second controller responds to the fact that the account number that matches the account number received in the first process is stored in the memory, and the exchange site is addressed to the communication address received in the second process. You may further perform the 4th process which transmits the participating means information required for participating in the through the internet.

In response to the request from the customer who opened the account, the participation means information necessary for participating in the exchange site where only the customer who registered the customer can join is transmitted. The exchange site is, for example, a site provided in the line band (registered trademark). The participation means information is, for example, line band (registered trademark) application and authorization information. For example, the customer exchanges opinions about the financial transaction, such as the obtained opinion about the automatic trading program and the opinion about the current trading market, with other customers at the exchange site. The customer conducts a financial transaction based on the information obtained at the exchange site. That is, the customer can conduct the financial transaction by referring to the opinions of other customers who perform the similar financial transaction using the automatic trading program. As a result, the financial transaction support system according to the present invention can more effectively support the financial transaction of the customer.

According to the present invention, it is possible to support smooth financial transactions of customers who are investors.

FIG. 1 is a schematic configuration diagram of a financial transaction support system 10. 2A is a functional block diagram of the web server 11, and FIG. 2B is a functional block diagram of the management terminal 13. FIG. 3 is a diagram showing a database. FIG. 4 is a flowchart illustrating the operation of the financial transaction support system 10 according to the first embodiment. FIG. 5 is a flowchart illustrating the operation of the financial transaction support system 10 according to the first embodiment. FIG. 6 is a flowchart illustrating the operation of the financial transaction support system 10 according to the first embodiment. FIG. 7 is a flowchart illustrating the operation of the financial transaction support system 10 according to the second embodiment. FIG. 8 is a flowchart illustrating the operation of the financial transaction support system 10 according to the second embodiment. FIG. 9 is a diagram showing a mail screen displayed on the display of the customer terminal 14.

Hereinafter, embodiments of the present invention will be described. The embodiment described below is merely an example of the present invention, and it goes without saying that the embodiment of the present invention can be appropriately changed without changing the gist of the present invention.

[First Embodiment]

In the present embodiment, a financial transaction support method executed by using the financial transaction support system 10 shown in FIG. 1 will be described. The financial transaction support system 10 includes a web server 11 and a management terminal 13. The support company uses the web server 11 and the management terminal 13 to support the financial transaction of a customer who is an investor.

The web server 11 is a server that publishes the URL of a web page and responds to the request for the URL with a web page described in a markup language such as HTML. The web server 11 may be a server operated by a support company, may be a rental server, or may be a server operated by a company contracting to publish a web page. The web server 11 is connected to the Internet 15.

The management terminal 13 is a mobile terminal, a personal computer, a tablet, or the like owned by the support business. The management terminal 13 is connected to the Internet 15 directly or through a communication line such as a mobile communication network.

The financial transaction server 12 shown in FIG. 1 is a server operated by a financial transaction business operator that mediates financial transactions. The financial transaction server 12 is connected to the Internet 15.

The customer terminal 14 shown in FIG. 1 is a terminal owned by a customer who is an investor, and is a mobile terminal or the like. The customer terminal 14 is connected to the Internet 15 through a communication line.

Hereinafter, the configurations of the web server 11, the financial transaction server 12, the management terminal 13, and the customer terminal 14 will be described in detail.

As shown in FIG. 2A, the web server 11 includes a first controller 20 and a first communication module 28. The first communication module 28 is a module that is connected to the Internet 15 and that transmits and receives information using a communication protocol such as HTTP or HTTPs.

The first controller 20 has a CPU 21, which is a central processing unit, a first memory 22, and a communication bus 27. The communication bus 27 is connected to the first communication module 28, the CPU 21, and the first memory 22.

The first memory 22 has a program storage area 23 in which a program is stored and a data storage area 24 in which data is stored. The program storage area 23 is, for example, a hard disk. The data storage area 24 is a hard disk, a storage server, a file server, or the like.

The data storage area 24 stores data necessary for executing the OS 25 and the control program 26. In addition, the data storage area 24 stores a plurality of web pages described in a markup language such as HTML.

One web page (hereinafter referred to as the first web page) shows a QR code (registered trademark). The QR code (registered trademark) includes information such as a registration destination URL for a business account such as Line-at (registered trademark). As will be described later in detail, the customer, who is an investor, uses the QR code (registered trademark) to register for an account of Line-at (registered trademark) generated by the support company.

One web page (hereinafter referred to as the second web page) has a linked URL that is the URL of the registration site opened by the financial transaction business operator.

The program storage area 23 has an OS 25, which is an operating system, and a control program 26. The OS 25 and the control program 26 are executed by the CPU 21 executing the instruction described in the address.

The control program 26 executes the command included in the request received by the first communication module 28 via the Internet 15, for example. The control program 26 returns a response including the web page stored in the data storage area 24 in response to the received request, for example, in response to the input of a command requesting the return of the web page.

Since the configuration of the financial transaction server 12 is the same as that of the web server 11, the description is omitted.

As shown in FIG. 2B, the management terminal 13 includes a second controller 30, a second communication module 38, a display 39, and an input device 40. The second communication module 38 is a module that is connected to the Internet 15 and transmits/receives information by a communication protocol such as HTTP or HTTPs. The display 39 has a display screen such as a liquid crystal screen. The input device 40 is a touch sensor superimposed on the display 39, a keyboard, a mouse, or the like.

The second controller 30 has a CPU 31 which is a central processing unit, a second memory 32, and a communication bus 37. The communication bus 37 is connected to the second communication module 38, the display 39, the input device 40, the CPU 31, and the second memory 32.

The second memory 32 has a program storage area 33 in which a program is stored and a data storage area 34 in which data is stored. The program storage area 33 is, for example, a hard disk. The data storage area 34 is a RAM, a hard disk, a USB memory, a buffer, or the like.

The data storage area 34 stores data necessary for executing the OS 35 and the control program 36. The application 41 will be described in the second embodiment.

The data storage area 34 also stores a database. As shown in FIG. 3, the database stores a plurality of items and a plurality of records. The plurality of items are, for example, “customer name”, “account number”, “registration date”, “email address”, “exchange site group name”, “authentication information”, “transaction information” and the like.

The customer name is the name given to the customer. The customer name may be a real name or a virtual name given to the customer by himself/herself. The account number is the number given to the account opened by the customer according to the instruction from the financial transaction business operator. The registration date is the date when the record was registered. The email address is the email address of the customer. The exchange site group name is the name of the exchange site in which the customer participates. The authentication information is an account, an ID, a password or the like issued to the customer in order to participate in the exchange site. The transaction information is information indicating the date and time when the customer made a financial transaction using the above account, the number of transactions, and the transaction content.

That is, the database is a database in which necessary information such as a customer name is registered in association with the account number. The necessary information is appropriately selected by the support business. That is, all the items shown in FIG. 3 may not be registered in the database, and items other than the items shown in FIG. 3A may be registered in the database.

Records are generated for each customer. Details will be described later.

The program storage area 33 stores an OS 35, which is an operating system, and a control program 36. The OS 35 and the control program 36 are executed by the CPU 21 executing the instruction described in the address.

The control program 36 collectively describes a browser, a mailer, a call application, spreadsheet software, and the like. The browser is a program that transmits a request including a URL and a command through the Internet and causes the display 39 to display the web page included in the response to the request. The call application is, for example, a terminal program such as LineAt (registered trademark). The mailer is a program that sends and receives mail to and from a mail server (not shown). Spreadsheet software is a program for creating and editing a database. LineAt (registered trademark) is an example of the "call application" of the present invention.

Since the configuration of the customer terminal 14 is the same as that of the management terminal 13, the description is omitted.

Hereinafter, a financial transaction support method performed by the support business operator using the web server 11 and the management terminal 13 will be described with reference to FIG. The process executed by the program such as the control program is described as the process executed by the controller.

First, the support business operator uploads the created web page to the web server 11. The uploaded web page is stored in the first memory 22 of the web server 11. Then, the support company publishes the URL of the created web page on the Internet 15.

On the other hand, the customer causes the display of the customer terminal 14 to display the web page published by the support company. Specifically, the controller of the customer terminal 14 transmits a first request for requesting a reply of the web page to the URL published by the web server 11 through the Internet 15 based on the input operation of the customer. The first request includes a URL made public by the support provider, a command requesting to return a web page, and its own communication address (hereinafter referred to as the first communication address). The URL includes, for example, a domain name converted into the IP address of the web server 11, a path and an address for accessing a web page in the first memory 22 of the web server 11, and an access method. The first communication address is an IP address or a MAC address set in the customer terminal 14.

Upon receiving the first request (S11), the first controller 20 of the web server 11 returns a response including the first web page to the first communication address included in the first request through the Internet 15 (S12). ..

Upon receiving the response (S12), the controller of the customer terminal 14 causes the display to display the first web page included in the response (S13). That is, the QR code (registered trademark) is displayed on the display of the customer terminal 14. The customer uses the QR code (registered trademark) displayed on the display to register with the Line-at (registered trademark) account registered (generated) by the support provider (S14). That is, the telephone number, the mail address, etc. of the customer terminal 14 are registered in the management terminal 13 or a server (not shown) that manages the line-at (registered trademark). It should be noted that the second web page may include a URL or the like for registering to the account of the support enterprise generated in Line-at (registered trademark) instead of the QR code (registered trademark).

Further, the customer causes the display of the customer terminal 14 to display the linked URL which is the URL disclosed by the financial transaction business operator. Specifically, the controller of the customer terminal 14 acquires the URL disclosed by the web server 11 from the management terminal 13 through the line at (registered trademark) by registering at the line at (registered trademark). The process in which the second controller 30 of the management terminal 13 transmits the URL to the customer terminal 14 through LINE AT (registered trademark) is an example of the “fifth step” in the present invention.

Based on the input operation by the customer, the controller of the customer terminal 14 sends a second request for a reply of the second web page to the URL via the Internet 15 (S15). The second request includes a command requesting to return the second web page and its first communication address.

Upon receiving the second request (S15), the first controller 20 of the web server 11 sends a response including the second web page and the support provider ID to the first communication address included in the second request through the Internet 15. Reply (S16). The support company ID is an ID given to the support company contracted by the financial transaction company. The process of step S16 is an example of the "first step" in the present invention.

Upon receiving the response (S16), the controller of the customer terminal 14 causes the display to display the second web page included in the response (S17). That is, the display of the customer terminal 14 displays the linked URL which is the URL disclosed by the financial transaction business operator.

The customer uses the linked URL displayed on the display to open an account used for a transaction with a financial transaction business operator, and executes an account opening and depositing process for depositing the opened account (S18). More specifically, the controller of the customer terminal 14 accepts a customer's input operation of tapping the link destination URL displayed on the display. Upon accepting the input operation, the controller of the customer terminal 14 sends a request to the linked URL. The request includes a link destination URL, a command for requesting a return of a web page, the above-mentioned support provider ID, and its first communication address.

The request transmitted by the customer terminal 14 is received by the financial transaction server 12. The controller of the financial transaction server 12 stores the support company ID included in the received request in the attached memory.

Further, the controller of the financial transaction server 12 returns a response including the web page to the first communication address included in the received request. This web page includes a format for opening an account (hereinafter referred to as an account opening format).

The controller of the customer terminal 14 receives the response returned by the financial transaction server 12. The controller of the customer terminal 14 displays the web page included in the received response on the display. That is, the account opening format is displayed on the display of the customer terminal 14. The account opening format has an input field designated by the financial transaction business operator. The controller of the customer terminal 14 receives a customer's input operation in the input field and a transmission instruction.

The controller of the customer terminal 14 transmits a request including the input account opening format and the first communication address to the destination designated by the financial transaction server 12 through the Internet 15 in response to receiving the transmission instruction from the customer. .. The destination specified by the financial transaction server 12 may be the above-mentioned linked URL, or another URL or IP address included in the response from the financial transaction server 12.

The controller of the financial transaction server 12 receives the request transmitted by the customer terminal 14. When the account is opened using the input account opening format included in the received request, the controller of the financial transaction server 12 acquires the account number given to the opened account. Then, the controller of the financial transaction server 12 stores the acquired account number in the memory in association with the support company ID stored in the memory.

The controller of the financial transaction server 12 transmits the account number to the support business operator indicated by the support business operator ID associated with the account number. For example, the controller of the financial transaction server 12 is associated with the support company ID of the support company in response to receiving a request including a request to return the account number from the management terminal 13 of the support company. The response including the account number is returned to the management terminal 13 of the support company. More specifically, the second controller 30 of the management terminal 13 of the support company, for example, based on an input operation of the operator of the support company, a command requesting a reply of the account number , Described as a second communication address). The command is accompanied by the support company ID. The controller of the management terminal 13 transmits the generated request to the financial transaction server 12 via the Internet 15. The financial transaction server 12 receives the request transmitted by the management terminal 13. The controller of the financial transaction server 12 reads out from the memory the account number associated with the support company ID that matches the support company ID attached to the command included in the received request. The controller of the financial transaction server 12 returns a response including the read account number to the second communication address included in the received request via the Internet 15. An FTP server may be used to transmit the account number.

The controller of the financial transaction server 12 receives a response including a web page including a notification that an account has been opened and an identification confirmation format having an identification confirmation input field in response to the opening of the account. A reply is sent via the Internet 15 to the first communication address included in the request.

Upon receiving the response transmitted by the financial transaction server 12, the controller of the customer terminal 14 causes the display to display the web page included in the received response. Then, the controller of the customer terminal 14 accepts the customer's input operation to the input field of the identity confirmation format. The controller of the customer terminal 14 sends a request including the entered identification format and its first communication address to the financial transaction server 12 via the Internet 15.

When the controller of the financial transaction server 12 receives the request transmitted by the customer terminal 14, the controller of the financial transaction server 12 confirms the identity of the customer who opened the account based on the input confirmation format included in the received request.

The controller of the financial transaction server 12 returns a response to the received request to the customer terminal 14 via the Internet 15 in response to the confirmation of the customer's identity. More specifically, the controller of the financial transaction server 12 returns a response including a notification indicating that the identity confirmation is completed and a web page including the deposit confirmation format to the financial transaction server 12 via the Internet 15.

The controller of the customer terminal 14 causes the display to display the web page included in the response received from the financial transaction server 12. Then, the controller of the customer terminal 14 accepts the customer's input operation to the input field of the deposit confirmation format.

The controller of the customer terminal 14 sends a request including the input payment confirmation format and the first communication address of the customer terminal 14 to the financial transaction server 12 through the Internet 15.

When the controller of the financial transaction server 12 receives the request transmitted by the customer terminal 14, the controller of the financial transaction server 12 performs the deposit procedure based on the input deposit confirmation format included in the received request. Then, the controller of the financial transaction server 12 returns a response including a notification indicating that the deposit procedure is completed, to the first communication address included in the received request, via the Internet 15.

As shown in FIG. 4, the controller of the customer terminal 14 transmits the confirmation image to the management terminal 13 by using the registered Line-at (registered trademark) after executing the account opening deposit process of step S18 (S19). The confirmation image is an image such as a screen shot showing that payment has been made to the opened account. That is, the customer notifies the support business that the account has been opened and payment has been made. It should be noted that payment confirmation to the account may be performed by a method other than the screen shot. The process of step S19 is an example of the "second step" in the present invention.

The second controller 30 of the management terminal 13 receives the confirmation image via the Internet 15 (S19). The second controller 30 of the management terminal 13 displays the received confirmation image on the display 39, and accepts the input operation of the operator of the support company. When the operator of the support company confirms the payment by the confirmation image, the operator performs an input operation on the management terminal 13 and causes the management terminal 13 to send an email to the customer terminal 14. Specifically, the second controller 30 of the management terminal 13 sends a mail having the content stored in advance in the second memory 32 to the customer via LINE AT (registered trademark) (S20). The mail includes the program file of the automatic trading program. The process of step S20 is an example of the "third step" in the present invention.

The automatic trading program has various trading set values set by the support business. The trading set value is, for example, a value that decides to buy or sell a financial product when the price of the financial product fluctuates by a predetermined price. The automatic trading program is, for example, a program generated by the support business operator by changing the trading setting value of the existing automatic trading program. The trading set value may be a set value other than the above example. Further, the automatic trading program may be prepared for each financial product to be traded. That is, an automatic trading program of a type corresponding to the type of financial product with which the customer trades may be transmitted to the customer terminal 14. The type of financial product with which the customer makes a transaction may be transmitted together with the above-mentioned confirmation image from the customer terminal 14, for example. That is, the customer requests an automatic trading program of a type corresponding to the type of financial product to be traded.

Upon receiving the mail (S20), the controller of the customer terminal 14 stores the program file of the automatic trading program included in the received mail in the memory according to the input operation of the customer. The mail is received via the mail server. That is, the controller (mailer) of the customer terminal 14 sends a request for returning a mail to the mail server and receives a response including the mail stored in the mail server.

The controller of the customer terminal 14 executes an installation process for executably installing the automatic trading program stored in the memory according to the customer's input operation (S22). Specifically, the controller of the customer terminal 14 transmits a request to the URL disclosed by the financial transaction server 12 and receives a response including the installer of the automatic trading program according to the input operation of the customer. The controller of the customer terminal 14 activates the installer included in the received response and executes the installation of the automatic trading program. That is, the automatic trading program is installed in the customer terminal 14 with the transaction setting value designated by the financial transaction business operator. The transaction setting value is, for example, a value specified by the automatic trading program for performing a financial transaction with a financial transaction business operator, such as a command setting or an account number attached to the command. That is, the automatic trading program is installed in the customer terminal 14 in such a setting that it can trade with the financial trading company. That is, the automatic trading program customized by the support company is installed in the customer terminal 14 so that financial transactions can be performed.

The second controller 30 of the management terminal 13 transmits the program file of the automatic trading program to the customer terminal 14 in step S20, and the contents stored in advance in the second memory 32 based on the input operation of the operator of the support business operator. Is sent to the customer through LineAt (registered trademark) (S21). The mail includes a guide to the exchange site and a URL for participating in the exchange site. FIG. 9B shows the mail displayed on the display of the customer terminal 14. The process of step S21 may be performed before the provision of the automatic trading program.

On the exchange site, a customer who has opened an account in the financial transaction business through the support business operator exchanges opinions regarding financial transactions and the automated trading program with other customers who also opened an account in the financial transaction business through the support business operator. It is a site to do. The exchange site may be a site opened by the web server 11 or a site opened by another server. The exchange site is, for example, a line band (registered trademark).

The support business operator uses the management terminal 13 to instruct the server, which opens the exchange sites, to open a plurality of exchange sites. The operation input of the operator that the second controller 30 of the management terminal 13 receives to create the exchange site is an example of the “fourth step” in the present invention.

The plurality of exchange sites are divided according to participating customers. For example, one exchange site is defined as a site in which customers who trade certain financial products such as stocks and foreign currencies mainly participate. For example, another one of the exchange sites is defined as a site for beginners who have less than a predetermined number of financial transactions. For example, yet another exchange site is defined as a site where the number of financial transactions is a predetermined number or more. Note that, instead of generating a plurality of exchange sites, a plurality of groups may be generated in one exchange site.

The participation URL is a URL published by the web server 11. The controller of the customer terminal 14 uses the participation URL to execute exchange site participation processing for participating in the exchange site (S23). The exchange site participation process will be described with reference to FIG.

The controller of the customer terminal 14 generates a third request in response to the input operation of the customer who selects the participation URL, and transmits the generated third request to the web server 11 that discloses the participation URL through the Internet 15 (S31). ). The third request includes a participation application indicating participation in the exchange site and specific information that can identify the customer such as an account number and an email address. That is, the customer uses the participation URL to apply for participation in the exchange site with the support business. Specifically, the customer taps the “participate” icon in the image (FIG. 9B) displayed on the display of the customer terminal 14. The process of step S31 in which the web server 11 receives the third request is an example of the “sixth step” in the present invention.

Using the management terminal 13, the operator of the support business operator monitors the customer's request for participation in the exchange site. Specifically, the second controller 30 of the management terminal 13 sends a request to the web server 11 to inquire whether or not there is a participation application (S32). When there is a participation application, the web server 11 returns a response including the specific information of the customer who has made the participation application to the management terminal 13 (S33). If there is no participation application, the web server 11 returns a response indicating that there is no participation application to the management terminal 13 (S33).

When there is an application for participation, the second controller 30 of the management terminal 13 transmits an email to the customer through LINE AT (registered trademark) according to the operation input of the operator of the support business operator (S34). The controller of the customer terminal 14 displays the received mail on the display of the customer terminal 14. FIG. 9A shows the mail displayed on the display of the customer terminal 14. The mail includes a description requesting that the registration information be returned. The registration information is, for example, a name (so-called band name) on the exchange site, an account number, and icon image data of the customer displayed on the exchange site.

The customer terminal 14 accepts the input operation of the customer who inputs the registration information (S35). Then, the mail including the registration information is transmitted to the management terminal 13 through Lineat (registered trademark) (S36).

The second controller 30 of the management terminal 13 receives the mail transmitted by the customer terminal 14 (S36). The process of step S36 in which the management terminal 13 receives the mail including the registration information is an example of the “second step” in the present invention.

The second controller 30 of the management terminal 13 causes the display 39 to display the registration information included in the email sent by the customer. Based on the registration information displayed on the display 39, the operator of the support company determines whether the customer who has applied for participation in the exchange site is the customer who has made a deposit in the opened account. When the operator of the support business operator determines that the customer who has applied for participation in the exchange site is the customer who made the deposit to the opened account, the operator causes the customer to participate in the exchange site.

More specifically, the second controller 30 of the management terminal 13 responds to the input operation of the operator of the support provider (S37), and then installs the terminal program installer of the application (line band (registered trademark)) of the exchange site. A mail including the set is transmitted to the customer terminal 14 by using Lineat (registered trademark) (S38). The installer set includes a program file of a terminal program of the exchange site and an installer. The installer includes authentication information such as an account, an ID and a password necessary for participating in the exchange site. The process of step S38 in which the second controller 30 of the management terminal 13 transmits the installer set to the customer terminal 14 is an example of the "seventh step" in the present invention. The installer set is an example of the “participation means information” of the present invention.

Also, the second controller 30 of the management terminal 13 sends a mail containing the group name of the exchange site recommending that the customer participates to the customer terminal 14 along with the installer set or separately from the installer set to the customer terminal 14 via line-at (Registered trademark). The process in which the second controller 30 of the management terminal 13 transmits an email including the group name of the exchange site recommending that the customer participate to the customer terminal 14 is an example of the “tenth step” of the present invention.

The controller of the customer terminal 14 receives the input operation of the customer (S39), receives the mail, and installs the line band (registered trademark) terminal program using the installer set included in the received mail (S40). .. Then, the customer uses the installed terminal program to participate in the exchange site operated by the support company (S41). Specifically, the customer terminal 14 transmits a request including an opinion input by the customer's input operation to the address set by the installer through the Internet 15. Then, the response including the opinions of other customers is received and displayed on the display. That is, the customer transmits his/her opinion through the exchange site and browses the opinions of other customers. The opinion is, for example, an opinion about the automatic trading program, an opinion about the current state of the financial transaction market, an opinion about the financial transaction result of oneself (profit or loss), and the like.

The customer conducts financial transactions using the opened account by using the automatic trading program while referring to the opinions of other customers on the exchange site. Specifically, the automatic trading program installed in the customer terminal 14 sends a request including an order to the financial transaction server 12 via the Internet 15. The financial transaction server 12 processes the order included in the request. That is, a financial transaction is conducted. The financial transaction server 12 stores the transaction information related to the transaction in the memory in association with the account number.

It should be noted that the second controller 30 of the management terminal 13 may send the installer set for participating in the exchange site to the customer terminal 14 in response to receiving the registration information from the customer regardless of whether or not there is an application for participation. Good. That is, in response to the customer opening an account, the installer set for participating in the exchange site may be transmitted to the customer terminal 14 regardless of the customer's request.

The operator of the support business operator operates the management terminal 13 to register the record of the customer introduced to the financial transaction business operator in the database shown in FIG. This will be described in detail with reference to FIG.

The second controller 30 of the management terminal 13 accepts the input operation of the operator of the support company (S51). The operator performs an input operation of designating the support company ID and acquiring transaction information from the financial transaction server 12. In response to receiving the operator's input operation (S51), the second controller 30 of the management terminal 13 sends the transaction information to the URL disclosed by the financial transaction server 12 or the IP address specified by the financial transaction server 12. A fourth request including a command requesting to return the described page or file is transmitted through the Internet 15 (S52). The command includes the support company ID as additional information.

When the controller of the financial transaction server 12 receives the fourth request (S52), the controller of the financial transaction server 12 reads out and acquires the account number and transaction information associated with the support company ID included in the fourth request from the memory (S53). The controller of the financial transaction server 12 generates a page or file including the read account number and transaction information, and returns a response including the generated page or file through the Internet 15 (S54). The process of step S54 is an example of the "second step" and the "eighth step" in the present invention.

Upon receiving the response (S54), the second controller 30 of the management terminal 13 causes the display 39 to display the page or file included in the received response (S55). That is, the customer's account number and transaction information introduced by the support business to the financial transaction business are displayed on the display 39. Then, the second controller 30 of the management terminal 13 accepts the input operation of generating a record in the database (FIG. 3) or the input operation of the operator who adds transaction information to the already created record (S56). Specifically, the operator of the support business operator copies the account number and transaction information displayed on the display 39, and pastes the copied account number and transaction information into each item of the record added to the database (FIG. 3). wear. That is, the second controller 30 of the management terminal 13 creates a record in the database (FIG. 3) according to the received input operation (S56) (S57). The process of step S57 is an example of the "9th step" in the present invention.

In addition, the second controller 30 of the management terminal 13 accepts an input operation for inputting the items “customer name”, “registration date”, “email address”, “interchange site group name”, and “authentication information” of the database, and registers it. (S58, S59). The operator of the support company inputs, for example, the date of record creation in the item “registration date”. The operator registers the name included in the registration information received in step S37 in the item "customer name", for example. The operator registers the customer's e-mail address acquired by registering in LINE AT (registered trademark) in the item “e-mail address”, for example. The operator registers the group name of the exchange site recommended to the customer in the item “group name of exchange site”, for example. The operator registers, for example, the authentication information included in the installer set transmitted to the customer in the item "authentication information".

It should be noted that the record may be generated after the account is opened, after the deposit is made in the opened account, or the automatic trading program is transmitted or participation in the exchange site is performed. It may be performed after the license is granted.

Further, the operator of the support business operator displays the customer's statement on the exchange site on the display 39 of the management terminal 13 and monitors the statement. If the operator of the support company determines that the customer's statement on the interaction site is confusing, offensive, or offensive to other customers, the customer who made the statement participates in the interaction site. Disqualify. That is, the customer is terminated from the exchange site. Specifically, the operator of the support business operator sends an instruction to cancel the authentication information issued to the customer to the server that opens the exchange site through the management terminal 13. The process in which the operator of the support business operator inputs an instruction to cancel the authentication information issued to the customer to the management terminal 13 is an example of the “11th step” in the present invention.

[Operation and effect of the embodiment]

In the present embodiment, the customer opens an account using the linked URL provided by the support company. Then, an automatic trading program for automatically trading financial products is provided to a customer who has opened an account using the linked URL. That is, introduction of a financial transaction business operator and provision of an automatic trading program are performed as a set. For example, a customer who does not have the time or motivation to scrutinize materials opens an account with the introduced financial transaction business operator and trades financial products on the assumption that an automatic trading program is used. Therefore, the financial transaction support system 10 and the financial transaction support method according to the present invention can support the financial transaction of the customer.

Further, in the present embodiment, the web server 11 is used to support the customer's account opening, and a call application such as LineAt (registered trademark) is used to give the customer an automatic trading program. That is, the web page and the communication application are used together to support the financial transaction of the customer. Since the call application is used, communication with the customer is easier than when using only the web page, and the customer can be contacted without waiting for access from the customer. It should be noted that only the web page needs to wait for a request from the customer terminal 14 because a firewall exists.

In addition, in the present embodiment, an installer set required for participation in the exchange site is transmitted in response to a request from a customer who deposits money into the opened account. A customer can conduct a financial transaction by referring to the opinions of other customers who perform the same financial transaction using the automatic trading program. As a result, the financial transaction support system 10 and the financial transaction support method according to the present invention can more effectively support the financial transaction of the customer.

Further, in the present embodiment, the web server 11 is used to accept a customer's application for participation in the exchange site, and the call application such as LineAt (registered trademark) is used to permit the participation in the exchange site. That is, the customer joins the exchange site by using the web page and the communication application together. Since the call application is used, communication with the customer is easier than when only the web page is used, and the customer can be contacted without waiting for access from the customer. That is, even if the web server 11 receives a request including a request to participate in the exchange site, it is necessary to confirm the operator of the support business operator whether or not the customer requesting the participation is the customer who made the deposit. Therefore, it is difficult to transmit the installer set (participation means information) for participating in the exchange site to the customer in the response to the request. In the present embodiment, since the installer set is transmitted to the customer using LINEAT (registered trademark), the installer set is transmitted to the customer after the confirmation work by the operator is completed without waiting for the transmission of the request from the customer terminal 14. It can be sent to the terminal 14.

Further, in this embodiment, the customer name, account number, and transaction information are registered in the database (FIG. 3). Therefore, management of customers becomes easy.

Further, in the present embodiment, a plurality of exchange sites are provided, and the recommended exchange site can be changed according to the transaction information of the customer. Therefore, as compared with the case where only one exchange site is provided, the financial transaction of the customer can be supported more effectively.

Further, in this embodiment, a customer who makes an inappropriate opinion on the exchange site is forcibly withdrawn from the exchange site. Therefore, the financial transaction support system 10 and the financial transaction support method according to the present invention can stably maintain the financial transaction support of the customer.

[Second Embodiment]

In the present embodiment, an example in which the application 41 installed in the management terminal 13 executes transmission of an automatic trading program, permission of a customer to participate in an exchange site, and generation of a database will be described with reference to FIG. 7. To be done. The same processes as those in the first embodiment are designated by the same reference numerals and the description thereof will be omitted. The configurations of the web server 11, financial transaction server 12, management terminal 13, and customer terminal 14 are the same as in the first embodiment. The application 41 is an example of the “program” in the present invention. The CPU 31 that executes the application 41 is an example of the “computer” in the present invention.

The customer uses the customer terminal 14 to register the line-at (registered trademark) generated by the support company. Specifically, the controller of the customer terminal 14 executes the processing from step S11 to step S14 shown in FIG. The process in which the application 41 of the management terminal 13 acquires the customer's e-mail address by registering the customer in Line-at (registered trademark) is an example of the “second process” in the present invention. The customer's email address is an example of the "communication address" in the present invention.

In addition, the customer uses the customer terminal 14 to cause the financial transaction business operator to open an account and make a deposit. Specifically, the controller of the customer terminal 14 executes the processing from step S15 to step 18. In the present embodiment, the process of step S16 in which the first controller 20 of the web server 11 returns a response including the link destination URL to the customer terminal 14 is an example of the “process” of the present invention.

On the other hand, the application 41 of the management terminal 13 monitors whether the introduced customer has opened an account (S61). Specifically, the application 41 periodically transmits the fourth request by polling or the like (S52). Similar to the first embodiment, the fourth request includes a command accompanied by the support company ID. The controller of the financial transaction server 12 reads the account number associated with the support company ID from the memory (S53), and returns a response including the read account number (S54).

The application 41 of the management terminal 13 receives the response transmitted by the financial transaction server 12 (S54). The process of step S54 is an example of the "first process" in the present invention. The application 41 of the management terminal 13 determines whether or not the account number included in the received response is registered in the database (FIG. 3) stored in the second memory 32 (S61). When the application 41 determines that the account number included in the received response is registered in the database (FIG. 3) stored in the second memory 32 (S61: Yes), the process of step S62 is skipped. On the other hand, when the application 41 determines that the account number included in the received response is not registered in the database (FIG. 3) stored in the second memory 32 (S61: No), it creates a new record in the database. (S62). The account number included in the received response is registered in the item "account number" of the newly generated record. Further, the application 41 requests the server that operates Line-at (registered trademark) to return the mail address of the customer who is registered in Line-at (registered trademark). Then, the application 41 registers the customer's email address included in the received response in the item "email address" of the newly created record.

The application 41 of the management terminal 13 monitors the download request of the automatic trading program from the customer. Specifically, the application 41 periodically determines whether or not there is a notification of the mail transmitted by the customer terminal (S63). When the application 41 determines that there is no mail sent by the customer (S63: No), the process of step S64 is skipped. When the application 41 determines that there is a mail sent by the customer (S63: Yes), it activates the mailer and causes the mail server to receive the mail (S64).

The email sent by the customer includes the account number of the account opened by the customer at the financial transaction operator and a request for downloading the automatic trading program. The application 41 of the management terminal 13 determines whether or not the received mail includes a request for downloading the automatic trading program (S65). When the application 41 determines that the received mail does not include a request for downloading the automatic trading program (S65: No), it skips the processing from step S67 to step S69. When the application 41 determines that the received email includes a request for downloading the automatic trading program (S65: Yes), the account number included in the received email stores the database stored in the second memory 32 (see FIG. It is determined whether or not it is registered in 3) (S66).

When the application 41 of the management terminal 13 determines that the account number included in the received email is registered in the database stored in the second memory 32 (S66: Yes), it generates an email including the automatic trading program. (S67). When the application 41 determines that the account number included in the received mail is not registered in the database stored in the second memory 32 (S66: No), the application 41 generates a notification mail (S68). The notification e-mail contains, for example, a statement that "the automatic trading program cannot be given because the account is not opened".

The application 41 of the management terminal 13 sends the mail generated in step S67 or step S68 to the sender of the mail received in step S64 or the mail address registered in the database (FIG. 3) by using Line-at (registered trademark). ) Is transmitted (S69). The process of step S69 is an example of the "third process" in the present invention.

In addition, the transmission of the automatic trading program may be performed in response to depositing into the opened account instead of opening the account. The email received by the application 41 in step S64 includes, for example, information indicating that the deposit has been made. The information may be a screen shot of the deposit screen displayed on the display of the customer terminal 14 when depositing.

Further, the application 41 of the management terminal 13 monitors the customer's request for participation in the exchange site. Specifically, the application 41 transmits to the web server 11 a request for returning a response including the account number of the customer who requests the customer to join the exchange site (S71). The web server 11 searches for the presence or absence of the customer's request to participate in the exchange site (S72), and if there is the request, returns a response including the account number of the customer who made the request (S73).

The application 41 of the management terminal 13 determines whether the account number included in the received response is registered in the database stored in the second memory 32 (S74). When the application 41 determines that the account number included in the received response is not registered in the database stored in the second memory 32 (S74: No), a notification mail is generated (S76). The notification email includes, for example, a notification that "you cannot participate in the exchange site because your account has not been opened." The application 41 transmits the generated mail to the customer terminal 14 through LineAt (registered trademark) (S76).

When the application 41 of the management terminal 13 determines that the account number included in the received response is registered in the database stored in the second memory 32 (S74: Yes), the processes of steps S75 and S76 are skipped. A request mail including a request for replying the registration information is generated (S77). The application 41 transmits the generated mail to the customer terminal 14 through LineAt (registered trademark) (S78). Then, the application 41 monitors the notification of the reply mail from the customer terminal 14.

When the customer terminal 14 receives the mail (S78), the customer terminal 14 accepts the operation input of the customer, generates a mail including the registration information, and returns the mail (S79). The registration information includes the name on the exchange site, the account number, and the icon image data of the customer displayed on the exchange site.

When the application 41 of the management terminal 13 receives the mail including the registration information (S79), it registers the name included in the registration information in the item "customer name" of the database stored in the second memory 32 (S80). Further, the application 41 generates a mail including the installer set of the application (line band (registered trademark)) of the exchange site (S81). The application 41 transmits the generated mail through LineAt (registered trademark) (S82). The process of step S82 is an example of the "fourth process" in the present invention.

In addition, the transmission of the installer set may be performed not when the account is opened but when the deposit is made to the opened account. The email received by the application 41 in step S79 includes, for example, information indicating that the deposit has been made. The information may be a screen shot of the deposit screen displayed on the display of the customer terminal 14 when depositing. The application 41 determines whether or not the deposit has been made, and if it determines that the deposit has been made, it generates an email including an installer set (S81). When the application 41 determines that the deposit has not been made, it generates a notification mail (S75).

Further, the application 41 of the management terminal 13 periodically transmits the fourth request to the financial transaction server 12 via the Internet 15 by polling or the like (S52). The fourth request includes a command accompanied by the support company ID.

When the controller of the financial transaction server 12 receives the fourth request, the controller of the financial transaction server 12 reads out from the memory the account number and the transaction information associated with the support company ID included in the fourth request (S53). The controller of the financial transaction server 12 returns a response including the read account number and transaction information through the Internet 15 (S54).

When the application 41 of the management terminal 13 receives the response (S54), the application 41 determines whether or not the account number included in the response is in the database stored in the second memory 32. When the application 41 determines that the account number included in the response does not exist in the database stored in the second memory 32, the application 41 creates a new record in the database and registers the account number and transaction information included in the response in the database. (S82). On the other hand, when the application 41 determines that the account number included in the response is in the database stored in the second memory 32, the transaction information included in the response is added to the item “transaction information” of the record including the account number. Register (S82).

[Operation and effect of the second embodiment]

In the present embodiment, the application 41 transmits an automatic trading program to the customer terminal 14 in response to a request from the management terminal 13, permits participation in the exchange site, periodically acquires transaction information, and stores it in the database. register. Therefore, the burden on the operator of the support business is reduced.

[Modification]

The management terminal 13 used by the support company may be one terminal or a plurality of terminals. For example, the management terminal 13 may include a personal computer and a mobile terminal. The support business operator uses the personal computer and the mobile terminal together to execute the financial transaction support method of the first embodiment or construct the financial transaction support system 10 of the second embodiment.

In the above-described first embodiment, an example has been described in which after the deposit has been made to the opened account, the automatic trading program is transmitted to the customer, and participation in the exchange site is permitted. However, in response to the opening of the account, the automatic trading program may be transmitted to the customer, and participation in the exchange site may be permitted.

Further, in the above-described embodiment, an example has been described in which LineAt (registered trademark) is used to transmit an automatic trading program and an installer set for participating in an exchange site to a customer terminal. However, the web server 11 may include the automatic trading program and the installer set in the response to the request received from the customer terminal 14. Further, the automatic trading program and the installer set may be transmitted to the customer terminal 14 by e-mail transmission using LINE AT (registered trademark) or communication means other than the response to the request.

Further, in the above-described embodiment, an example has been described in which the second controller 30 of the management terminal 13 sends the program file of the automatic trading program to the customer terminal 14 by mail via LineAt (registered trademark). However, the second controller 30 of the management terminal 13 may send the download URL of the automatic trading program to the customer terminal 14 by email via Lineat (registered trademark). The download URL is a URL published by a web server that returns an automatic trading program in response to a request. The web server is, for example, a storage server or a file server.

Further, in the above-described embodiment, Line-at (registered trademark) has been described as an example of the communication application. However, communication applications other than LINE AT (registered trademark) may be used.

Further, in the above-described embodiment, the example in which the response returned by the web server 11 to the customer terminal 14 has one link destination URL has been described. However, the response returned by the web server 11 to the customer terminal 14 may have a plurality of linked URLs. That is, the support business operator may introduce a plurality of financial transaction business operators to the customer.

Further, in the above-described embodiment, the example in which the web server 11 and the management terminal 13 communicate with each other via the Internet 15 has been described. However, when the web server 11 is a server operated by the support company, the web server 11 and the management terminal 13 may be the same. That is, the web server 11 may have the function of the management terminal 13.

10... Financial transaction support system 11... Web server 12... Financial transaction server 13... Management terminal 14... Customer terminal 15... Internet 20... First controller 22... 1 memory 28... 1st communication module 30... 2nd controller 31... CPU
32...Second memory 38...Second communication module 41...Application

Claims (12)

A financial transaction support method in which a support business supports a customer's financial transaction using a web server that responds to a request through the internet and a management terminal connected to the internet,
In response to a request received from the customer terminal via the Internet, the web server sends a response including a link destination URL that is a URL disclosed by the financial transaction business operator for opening an account and a support business operator ID indicating the support business operator. The first step to reply via the Internet,
A second step in which the management terminal receives, through the Internet, customer information including an account number assigned to an account opened by the financial transaction business operator for a customer;
The financial transaction support method comprising: a third step in which the management terminal transmits an automatic trading program for automatically trading financial products to the customer terminal of a customer who has opened an account via the Internet. A fourth step in which the management terminal receives a generation instruction for generating an account in a call application on the Internet provided by a communication carrier;
The management terminal further includes a fifth step of transmitting the URL published by the web server to the customer who has registered for the account through the call application.
The financial transaction support method according to claim 1, wherein the third step is a step in which the management terminal transmits the automatic trading program to a customer using the call application. The sixth step in which the web server receives an application for participation in the exchange site,
The management terminal further includes a seventh step of transmitting, to a customer who has opened an account using the linked URL, participation means information necessary for participating in the exchange site to the customer terminal of the customer. The financial transaction support method according to claim 1. An eighth step in which the management terminal acquires an account number and transaction information regarding financial transactions through the Internet;
The financial transaction support method according to claim 3, further comprising: a ninth step in which the management terminal registers the transaction information acquired in the eighth step in a database. There are multiple exchange sites,
The financial transaction support method according to claim 4, wherein the management terminal further comprises a tenth step of transmitting information indicating the exchange site to which the customer registered in the database belongs to the customer terminal of the customer. .. A fourth step in which the management terminal registers an account in a telephone call application provided by a communication carrier on the Internet;
The management terminal further includes a fifth step of transmitting the URL published by the web server to the customer who has registered for the account through the call application,
The financial transaction support method according to any one of claims 3 to 5, wherein the seventh step is a step in which the management terminal transmits the participation means information to a customer terminal using the call application. The financial transaction support method according to any one of claims 3 to 6, wherein the management terminal further includes an eleventh step of receiving an input of an instruction to suspend a customer's participation qualification for the exchange site. A financial transaction support method in which a support business supports a customer's financial transaction using a web server that responds to a request through the internet and a management terminal connected to the internet,
In response to a request from the customer terminal received through the Internet by the web server, a linking URL that is a URL opened by the financial transaction server operated by the financial transaction operator for opening an account and a support business indicating the support operator. The first step of returning a response including the person ID through the Internet,
A second step in which the management terminal receives, through the Internet, customer information including an account number given to an account opened by the financial transaction business operator for a customer;
The sixth step in which the web server accepts an application for participation in an exchange site,
The management terminal transmits, to a customer who has opened an account using the linked URL, participation means information necessary for participating in the exchange site, to the customer terminal of the customer; Transaction support method. A program executed by a computer of a management terminal that communicates through the Internet with a Web server that publishes the URL of a Web page and responds to the request through the Internet, the Web server being a request received through the Internet from a customer. In response to the above, a response is sent through the Internet to a web page including a linked URL that is a URL that is opened by the financial transaction business operator for opening an account, and a support business operator ID that indicates the support business operator that supports the financial transaction.
The program above
A first process of receiving an account number via the internet,
A second process for obtaining the communication address of the customer terminal of the customer;
An automatic trading program for automatically trading financial products to the communication address received in the second processing in response to the account number matching the account number received in the first processing being stored in the memory. A program for causing the computer to execute the third process of transmitting through the Internet. The program above
Participation means information necessary for participating in the exchange site is addressed to the communication address received in the second process in response to the account number matching with the account number received in the first process being stored in the memory. 10. The program according to claim 9, further causing the computer to execute a fourth process of transmitting the information via the Internet. A financial transaction support system comprising: a web server that publishes a URL of a web page and responds to a request through the internet; and a management terminal that communicates with the web server through the internet.
The web server has a first communication module and a first controller connected to the Internet,
The management terminal has a second communication module and a second controller connected to the Internet,
The first controller is
In response to a request received from a customer via the Internet, a response including a linked URL that is a URL opened by a financial transaction business operator for opening an account and a support business operator ID indicating a support business operator that supports financial transactions is sent to the Internet. Execute the process of replying through,
The second controller is
A first process of receiving an account number via the internet,
A second process of receiving the communication address of the customer terminal of the customer through the Internet;
An automatic trading program for automatically trading financial products to the communication address received in the second processing in response to the account number matching the account number received in the first processing being stored in the memory. A financial transaction support system that executes a third process of transmitting via the Internet. The second controller is
Participation means information necessary for participating in the exchange site is addressed to the communication address received in the second process in response to the account number matching with the account number received in the first process being stored in the memory. The financial transaction support system according to claim 11, which further executes a fourth process of transmitting the.