JP3503620B2 - Information processing system and method - Google Patents

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an integrated information processing system in which a transaction processing system of a financial institution and an information providing system are interconnected, and in particular, the transaction processing of a customer is performed and at the same time, the needs of the customer are met. The present invention relates to a comprehensive information processing system suitable for promptly providing product information and the like.

[0002]

2. Description of the Related Art Conventionally, a transaction processing system of a financial institution and an information providing system are generally constructed as independent systems. Therefore, in addition to the normal transaction processing, the terminal device of the transaction processing system can inquire about the transaction content to the customer. On the other hand, in the terminal device of the information providing system,
It was only possible to uniformly provide financial market information, product information, etc. to each customer. Incidentally, for example, Japanese Patent Laid-Open No. 62-111
Japanese Unexamined Patent Publication No. 348 describes a computer integrated system that uses heterogeneous databases in a plurality of computer systems, but does not mention integration of a transaction processing system such as a financial institution and an information providing system at all.

[0003]

In the conventional system construction, consideration is not given to providing various information to customers by using a transaction terminal device of a sales office such as a financial institution. It was not possible for the contact staff to carry out normal transactions with customers who visit them and at the same time provide product information that met the needs of the customers, and to carry out detailed sales for each customer.

An object of the present invention is to provide a comprehensive information processing system capable of promptly presenting a sales product etc. to a customer at the same time as transaction processing in a transaction terminal device of a branch office of a financial institution.

[0005]

In order to achieve the above object, the inventions of claims 1 and 2 interconnect a transaction processing system for performing transaction processing of a customer and an information providing system for providing information to the customer, One or both systems is equipped with a customer database that stores sales information for each customer, and the customer database is used to respond to the customer in response to a search request from the terminal device of the transaction processing system or the information providing system. That is, the sales information and the customers who have the same sales information are searched and output to the terminal device.

Further, in the invention of claim 3, customer group information is stored in addition to sales information for each customer in the customer database, and a search request from a terminal device of a transaction processing system or an information providing system is triggered. In addition, the sales information of the customer who owns the same customer group information as the customer is retrieved from the customer database and output to the terminal device.

Further, according to the invention of claim 4, a transaction processing system for performing transaction processing of a customer and an information providing system for providing information to the customer are interconnected, and one or both of the systems are provided for each customer. A customer database that stores attribute information and a product file that stores customer conditions for sales for each product are provided, and the customer database and the product file are used in response to a search request from the terminal device of the transaction processing system or the information providing system. This is to search for a sales product that meets the conditions of the customer and output it to the terminal device. In the customer database, for example, a product such as a campaign product for a certain period is stored in advance for each customer according to a customer attribute, an asset status, and the like. When the customer pattern that can be the sales target for each sales product is known, it is stored in advance in the product file as the sales target customer condition for each product. Further, the customers are grouped in advance according to a certain standard such as life stage and lifestyle, and the customer group code and the like are registered in each customer record of the customer database. When a customer of a financial institution visits a sales office window and requests a transaction processing, the window staff of the financial institution performs the transaction processing using a transaction processing terminal device and at the same time specifies a search for sales information and the like. By doing so, the sales product or the like for the customer is displayed on the display of the transaction processing terminal device or the like.

[0008]

DETAILED DESCRIPTION OF THE INVENTION An embodiment of the present invention will be described in detail below with reference to the drawings. FIG. 1 is a schematic configuration diagram of an integrated information processing system showing an embodiment of the present invention. In FIG. 1, 1 is a transaction processing system and 2 is an information providing system. The transaction processing system 1 includes a central processing unit 3, a distributed processing unit 4, and a transaction processing terminal unit 5, and the information providing system 2 includes a central processing unit 6, a distributed processing unit 7, and an information providing terminal unit 8. .

[0009] Here, the transaction processing terminal device 5 is installed at a counter of a sales office of a financial institution and operated by a counter staff member, and the information providing terminal device is installed at a corner of the sales office and operated by a customer or a staff member. . Distributed processing device 4 of each system
The distributed processing device 7 is also installed in the branch office, and is connected to both distributed processing devices and to the transaction processing terminal device 5 and the information providing terminal device 8 via a transmission line 10 such as a LAN. Central processing unit 3 and central processing unit 6 of each system
Is installed at the center of a financial institution, and the distributed processing device 4 and the distributed processing device 7 of each sales office are connected via the communication network 9.
Interconnected with. The distributed processing device 7 on the information providing system side and the information providing terminal device 8 may be in the form of an integrated workstation.

FIG. 2 is a detailed block diagram of an embodiment of the central processing unit, the distributed processing unit and the terminal unit of each system shown in FIG.

On the transaction processing system side, the central processing unit 3
Is composed of a processing unit 31, an account ledger file 32, and an interface unit 33. Further, the processing unit 31 controls the central processing unit as a whole, a general control unit 311, a file processing unit 312 for reading and writing the file 32, and an interface. It is composed of a transmission / reception unit 313 for transmitting / receiving data to / from the device 33. The distributed processing device 4 comprises a processing unit 41, a product file 42, a customer database 43, and an interface device 44. The processing unit 41 further controls the entire distributed processing device 411, the product file 42 and the customer. A search processing unit 412 that searches the database 43, and a transmission data transmission / reception unit 41 that transmits / receives data to / from the interface device 44.
It consists of 3. The transaction processing terminal device 5 includes a processing unit 51,
Interface device 52, display device (display) 5
3 and a keyboard 54, and the processing unit 51 further includes an overall control unit 51 for controlling the entire terminal device.
1, a transmission data transmission / reception unit 512 for transmitting / receiving data to / from the interface device 33, a display processing unit 513 for controlling display of the display 53, and an input control unit 514 for controlling input of the keyboard 54.

On the side of the information providing system, the central processing unit 6
Is composed of a processing unit 61, a customer database 62, and an interface device 63, and the processing unit 61 further includes an overall control unit 611 for controlling the central processing unit as a whole, a search processing unit 612 for searching the customer database 62, and It is composed of a transmission data transmission / reception unit 613 that transmits / receives data to / from the interface device 63. Distributed processing device 7
Is a processing unit 71, a product file 72, a customer database 7
3 and an interface device 74, and the processing unit 71 further includes an overall control unit 711 for controlling the entire distributed processing device, a product file 72 and a customer database 7.
3 and a transmission data transmission / reception unit 713 that transmits / receives data to / from the interface device 74. The information providing terminal device 8 includes a processing unit 81, an interface device 82, a display device (display) 83, and a keyboard 84, and the processing unit 81 further includes an overall control unit 811, which controls the entire terminal device, and an interface device 82. A transmission data transmission / reception unit 812 that transmits and receives data to and from the display processing unit 813 that controls the display of the display 83, and an input control unit 814 that controls the input of the keypad 54.

The customer database 62, 73 or 43 is
As shown in FIG. 3, each customer is composed of columns such as customer name, group, attribute, transaction status, asset, and sales promotion product. Here, in the field of sales promotion products, for products such as campaign products between certain phases, customer attributes, transaction status, assets, etc. (herein, these are collectively referred to as customer attributes) are used. The product name or product code of a sales product that should be recommended to the customer is stored. If there is no sales product to be recommended to the customer, the sales promotion product field remains blank. In the group column, customers are grouped according to criteria such as life stage and lifestyle, and their customer group code and the like are registered.

In FIG. 2, the customer database 62 of the central processing unit 6 of the information providing system stores the information of all customers who have transactions with the financial institution, and the customer database 43 of the distributed processing unit 4 and the distributed processing unit 7 are stored. As a general rule, the customer database 73 is supposed to store only information about customers of the business office. The same information may be stored in the customer databases 43 and 73 of the distributed processing devices 4 and 7, and the customer database 43 may be used as a backup of the customer database 73, for example. , 73 to store the customer information.

As shown in FIG. 4, the merchandise files 42 and 72 are composed of columns such as merchandise name, merchandise outline, and customer conditions for sales. Here, the sales target customer condition is a condition of a customer segment who can sell the product. One or more such conditions are registered in advance for each product. As with the customer database, the distributed processing device 4,
The same information may be stored in the seven product files 42 and 72, or may be distributed and stored depending on the product.

FIG. 5 and FIG. 6 show a general processing flow chart of the information providing processing to the customer by this integrated information processing system, which will be described below.

Now, it is assumed that a customer visits a sales office of a financial institution and requests transaction processing. When the window staff instructs the transaction screen from the keyboard 54 of the transaction processing terminal device 51, the transaction processing content designation screen shown in screen 1 in FIG. 7 is displayed on the display 53 under the control of the overall control unit 511 ( Step 101). While looking at the transaction processing content designation screen displayed on this display 53, should the window staff refer to and display the transaction processing content such as store number, account number, subject, transaction category, amount, etc. A sales information addition classification code designating whether or not is input from the keyboard 54 (step 1
02). Under the control of the overall control unit 511, the transaction processing terminal device 5 determines whether or not the input sales information addition division code is necessary (step 103), and if not, the central processing unit 3 via the distributed processing device 4. However, if necessary, the sales information search designation screen shown in screen 2 of FIG. 7 is displayed on the display 53 as the next screen after the transaction process (step 130). 104). While looking at the sales information search designation screen displayed on the display 53, the counter staff inputs the name or code of the contents to be searched for from the keyboard 54 for the target product, target customer, and target file (step 105). ).

In the transaction processing terminal device 5, the overall control unit 51
Under the control of 1, the input target product, target customer, and target file are determined, the target product is a campaign promotion product, and the target customer is the visiting customer (transaction requesting customer),
When the target file is an information providing system file (steps 106, 107 and 108), the distributed processing device 7 on the information providing system side and the central processing are executed via the distributed processing device 4 of the own system. By communicating with the device 6, either the customer database 73 or the customer database 62 is searched, and the sales promotion product set in the customer record is read (step 109). Here, which of the customer database 62 or 73 is to be searched is determined by the store number of the customer input in step 102. That is, when the store number is the business office, the customer database 73 of the distributed processing apparatus 7 is searched, and when the shop number is another business shop, the customer database 62 holding all the customer information of the central processing apparatus 6 is searched. . Under the control of the overall control unit 511 of the transaction processing terminal device 5, the sales promotion product thus searched is displayed on the display 53 (step 110).

Next, the target product, target customer, and target file input in step 105 are determined, and the target product is a specific product, and the target customer is an unspecified customer (account store customer) of the customer's account store. When the target file is an information providing file (steps 106, 111, and 112), the transaction processing terminal device 5 is also controlled by the overall control unit 511, and similarly the distributed processing device of its own system. The specified specific product is set as a sales promotion product in either the customer database 73 or the customer database 62 by communicating with the distributed processing device 7 or the central processing device 6 on the information providing system side via The customer record is searched (step 113), and the customer list is displayed on the display 53 (step 114). Also in this case, whether to search the customer database 62 or the customer database 73 is the same as in step 109 above.
The determination is made based on the store number of the customer input in step 102. If the target product is a specific product, the target customer is an all-store customer, and the target file is an information provision file (step 106, step 111, step 115), the input in step 105 is the central The customer database 62 of the processing device 6 is searched for all the stores (step 116), and the customer list in which the designated specific product is set as the sales promotion product is displayed on the display 53 (step 117). It should be noted that all of the target customers to be compared may be in the form of a certain branch group.

Next, when the input in the above step 105 is that the target product is not specified, the target customer is the customer visiting the store, and the target file is an information providing system file (step 10)
6, the path of step 118, step 119), the transaction processing terminal device 5 under the control of the overall control unit 511, via the distributed processing device 4 of its own system, further the distributed processing device 7 of the information providing system side, Communicating with the central processing unit 6, first,
From the customer database 73 or 62, the customer attribute parameters in the customer record (normal customer attributes and transaction status,
(E.g., asset status), and then compares the sales target customer condition in each product record in the product file 72 with the customer attribute parameter, and sequentially reads out product names that match the condition (step 120). A list is displayed on the display 53 as sales promotion products to (step 121).

Next, when the input in the above step is that the target product is not specified, the target customer is an unspecified customer of the customer's account store, and the target file is an information providing file (step 106, step 118, In the path of step 122), the transaction processing terminal device 5 communicates with the distributed processing device 7 on the information providing system side and further with the central processing device 6 through the distributed processing device 4 of its own system under the control of the overall control 511. Then, the customer database 73 or 62 is searched for a customer record having the same customer group code as the customer at the corresponding account store (step 123), and a list of the sales promotion products and purchase products is displayed on the display 53 ( Step 124).

The operation example of the information providing process to the customer by the integrated information processing system has been described above. However, when the transaction processing system file is designated as the target file in step 105 of FIG. 5, the transaction processing system side The same processing may be performed using the product file 42 of the distributed processing device 4 or the customer database 43. In addition, the information providing terminal device 8
Also, under the control of the overall control unit 811, similarly detailed information can be provided to the customer.

[0023]

According to the invention of claim 1, at a counter of a branch office of a financial institution, a counter staff member makes a requested transaction to a customer who requests a transaction, and at the same time, promotes a desired sales to the customer. It is possible to provide products etc. immediately 7
Therefore, there is an advantage that it can quickly respond to the customer's request.

[0024]

[0025]

According to the fourth aspect of the present invention, even if the sales product for the customer is not clear, the product that meets the needs of the customer can be immediately provided.

[Brief description of drawings]

FIG. 1 is an overall configuration diagram showing an embodiment of a comprehensive information processing system of the present invention.

FIG. 2 is a detailed configuration diagram of an embodiment of each device of FIG.

FIG. 3 is a diagram showing a configuration example of a customer database included in the present system.

FIG. 4 is a diagram showing a configuration example of a product file included in the present system.

FIG. 5 is an example of a flowchart of information providing processing by the present system.

FIG. 6 is a continuation of the flowchart of FIG.

FIG. 7 is an example of a display screen in the information providing process.

[Explanation of symbols]

1 Transaction processing system 2 Information provision system 3,6 Central processing unit 4,7 Distributed processing equipment 5 Transaction processing terminal equipment 8 Information provision terminal device 9 Communication network 10 transmission lines 31, 41, 51, 61, 71, 81 Processing unit 32 account ledger files 42,72 Product customer file 43,62,73 Customer database

─────────────────────────────────────────────────── ─── Continuation of front page (56) References JP-A-5-298347 (JP, A) JP-A-2-128273 (JP, A) JP-A-2-247791 (JP, A) (58) Field (Int.Cl. ⁷ , DB name) G06F 17/60 G07D 9/00 JISST file (JOIS)

Claims (8)

(57) [Claims] 1. An information processing system that performs predetermined transaction processing based on transaction information indicating transaction instruction content input from a terminal device when a customer who has visited the transaction requests the transaction information. A customer database in which attribute information including a group to which the customer belongs, information for identifying the customer, and recommended product information of recommended products for the customer are stored in association with each other, product information about the product, and the product The product file in which the sales condition information indicating the conditions of the sales target customer is stored in association with each product, the input means for accepting the input of the search condition for the customer database and the product file, and the search condition is the target product. If there is no designation and the target customer is an unspecified customer, the customer data is specified based on the information that specifies the customer who requested the transaction processing. Means for searching the group to which the customer belongs from the attribute information of the customer in the database, specifying the customer belonging to the searched group, and searching the recommended product information of the specified customer; An information processing system, comprising: 2. An information processing system according to claim 1, said means for searching, when the target clients of the search condition is the customer who has requested the transaction processing, the attribute information of the customer from the customer database Is searched, the product information having the sales condition information that is satisfied by the searched attribute information is searched from the product file, and the output unit outputs the searched product information. 3. The information processing system according to claim 1, wherein the unspecified customer who is the target customer is a customer who has an account in the same branch as the customer who requested the transaction processing. Information processing system. 4. The information processing system according to any one of claims 1 to 3, wherein the groups are grouped by a certain standard including a customer's life stage and lifestyle. 5. An information processing method by an information processing system, which performs a predetermined transaction processing in response to an input from a terminal device when a transaction processing request is made by a visiting customer. Attribute information, a customer database in which attribute information including a group to which the customer belongs, information for identifying the customer, and recommended product information of recommended products for the customer are stored in association with each customer, and product information about the product And a sales condition information indicating the conditions of the customer who sells the sales product, which are stored in association with each sales product, wherein the input means of the information processing system stores search conditions for the customer database and the sales product file. The processing means of the information processing system accepts an input, and the target customer is an unspecified customer because the search condition does not specify the target product. In some cases, the group to which the customer belongs is searched from the customer attribute information of the customer database based on the information that specifies the customer who requested the transaction processing, the customer that belongs to the searched group is specified, and the specified customer An information processing method, wherein recommended product information is searched, and the output means of the information processing system outputs the searched recommended product information. 6. The information processing method according to claim 5 , wherein, when the target customer of the search request is a customer who has requested the transaction processing , the processing means retrieves attribute information of the customer from the customer database. Information that is characterized in that the processing means searches the product file for product information having sales condition information satisfied by the searched attribute information, and the output device outputs the searched product information. Processing method. 7. An information processing method according to claim 5, characterized in that said unspecified customers are subject customer, a customer having an account at the customer and the same branch that requested the transaction process Information processing method. 8. The information processing method according to any one of claims 5 to 7 , wherein the groups are grouped by a certain standard including a life stage and a lifestyle of a customer.