JP4759452B2 - Information provision system - Google Patents

Description

  The present invention provides information for distributing various information such as advertisement information from a server in a financial institution to a terminal device such as an ATM (Automatic Teller Machine), a PC (Personal Computer), or a mobile phone. About the system.

  Financial institutions such as banks allow customers to conduct financial transactions such as depositing, withdrawing and transferring money using ATMs installed at their stores and convenience stores. It can be used for financial transactions. In addition to financial transactions, advertising information for introducing products such as loans and investment trusts from financial institutions can also be provided at the time of financial transactions on such terminals.

  As described above, as a conventional information providing system that can provide advertisement information and the like to a customer, a system that provides advertisement information suitable for the customer has been proposed (for example, see Patent Document 1).

In the system described in Patent Document 1, various information about a customer (customer attribute information) is stored in a customer database, and a display content instruction for storing contents to be displayed for each type of terminal device operated by the customer. A table is provided, and information provided to the customer is set for each customer according to the characteristics of the terminal device operated by the customer. When there is transaction operation information with a financial institution from the terminal device operated by the customer, the information corresponding to this customer ID is searched from the display content instruction table corresponding to this operated terminal based on this customer ID, This is transmitted to this terminal device and displayed on the screen. Further, a display content determination device is provided, and this is the next display content to be provided to this terminal device in accordance with the information provided to the terminal device, the display time on the terminal device, and the customer input information. And the display content instruction table is updated.
JP 2002-175424 A

  By the way, the system described in Patent Document 1 can provide advertising information of financial institutions to various terminal devices and can sell financial products. Depending on the display location, the size of may not be fully viewed by the customer. For example, when displaying advertisement information or the like by ATM, it is displayed together with a screen for financial transactions, so it is displayed smaller in the corner of the display screen and may not be recognized by the customer. . Further, when displaying on a mobile phone, even if it is displayed on the entire display screen, the size of the display screen is small, which is also difficult for the customer to recognize.

  In order for a financial institution to provide advertisement information for introducing a product to a terminal device, it is necessary for the customer to fully recognize this and at least be interested in the product.

  The present invention has been made to satisfy such demands, and the purpose of the present invention is to deliver customer distribution information such as product advertisement information from financial institutions to any type of terminal device. An object is to provide an information providing system that can reliably recognize information.

  In order to achieve the above object, the present invention is capable of accessing the information distribution management server with different types of customer operation terminals, and provides information information to any type of customer operation terminal operated by the customer. An information providing system in which customer distribution information such as advertisement information is provided from a distribution management server, wherein the information distribution management server is an information distribution management server for each type of customer attribute information and customer operation terminal type. Access information, customer delivery information information providing method for each type of customer operation terminal, and customer delivery information table, customer delivery information to be delivered based on customer attribute information for each customer The determined customer distribution information is distributed to the customer operation terminal operated by the customer based on the information provision method corresponding to the customer operation terminal determined and operated by the customer.

  Further, according to the present invention, the information distribution management server divides the information distribution information into information of a plurality of phases having different degrees of detail of information based on the above information providing method, and the information details are ordered in ascending order. When the information of the distributed phase is viewed as being browsed by the customer operation terminal a predetermined number of times, the information of the next phase is distributed.

  Further, according to the present invention, the information distribution management server divides each phase information into sub-phase information based on the above-described information providing method, and distributes the sub-phase information in order by the number of times of browsing. When the sub-phase information is displayed and displayed on the customer operation terminal of the delivery destination for the estimated browsing time determined in advance by the information providing method, the sub-phase information to be delivered next is displayed in the order of delivery. This information is used as sub-phase information.

  In addition, according to the present invention, the information distribution management server displays the customer distribution information distributed on the display screen of the customer operation terminal, displays the selection button, and operates the selection button. The information of the next phase after the sub-phase information displayed on the customer operation terminal is distributed and displayed.

  Further, according to the present invention, the information distribution management server cancels the number of times of browsing information that has already been distributed to a customer operation terminal that has not been accessed for an unused period determined in advance by the above information providing method.

  Further, according to the present invention, when the customer operation terminal is a personal computer or a mobile phone, the total number of browsing is canceled when the customer operation terminal is a personal computer and a mobile phone, and the customer operation terminal is ATM (Automatic Teller Machine: cash In the case of an automatic teller machine, the number of times of browsing with respect to the information of the sub-phase distributed one time before is cancelled.

  Further, according to the present invention, the information distribution management server corresponds to a first table storing a default value for each type of customer operation terminal of the information providing method and a customer group based on the customer attribute information. A second table of correction values for correcting the default value of the information providing method for each customer operation terminal, and means for correcting the default value of the information providing method of the first table with the correction value of the second table. It is a thing.

  According to the present invention, customer distribution information such as product advertisements suitable for customers according to the customer's age, environment and lifestyle based on customer attribute information in the personal information DB, information corresponding to customer operation terminals used for financial transactions It can be provided by the providing method, the degree of attention to the product of the customer can be ensured, and the campaign product can be effectively sold.

Embodiments of the present invention will be described below with reference to the drawings.
FIG. 1 is a system configuration diagram showing an embodiment of an information providing system according to the present invention, wherein 100 is an information distribution management server, 101 is a head office of a financial institution α, 102 to 104 are sales offices of the financial institution α, and 105 is Bank ATM, 106 is a bank information terminal, 107 is a window terminal, 108 is a terminal server, 109 is a bill server, 110, 110a and 110b are sales office servers, 111 is a customer's home PC (Personal Computer), 112 Is a customer's mobile phone, 113 is an ATM installed in a convenience store, 114 is a provider (Internet connection provider) / carrier (telecommunications carrier), and 115 is an intermediary server.

  In the figure, a financial institution server 101 a of a head office 101 of a financial institution α such as a bank and sales office servers 110, 110 a, 110 b of its sales offices 102, 103, 104 are connected to the information distribution management server 100. In the head office 101 and the branch offices 102 to 104, as shown in the branch office 102 as an example, terminal devices such as a bank ATM 105, a bank information terminal 106, and a window terminal 107 are installed, and the bank ATM 105 and the bank information terminal 106 are operated. A billing server 109 connected to the store server 110 is connected via the terminal server 108, and a window terminal 107 is connected to the branch store server 110 via the billing server 109.

  When the customer operates the bank ATM 105 or the bank information terminal 106 on the screen display, the financial transaction information by this operation is converted into the terminal server 108, the account server 109, the sales office server 110, and the information distribution management server 100. The response information is sent to the bank ATM 105 and the bank information terminal 106 through the same route from the financial institution server 101a. As a result, the bank ATM 105 and the bank information terminal 106 operate according to the customer's operation and display a screen. Further, when the bank employee handles the customer terminal 107 and operates the window terminal 107, the transaction information obtained by this operation is stored in the account server 109, the branch server 110, and the information distribution management server, as in the case of the bank ATM 105 and the bank information terminal 106. 100 is sent to the financial institution server 101a of the head office 101 via 100, and sent to the window terminal 107 via the same route from the financial institution server 101a. As a result, the window terminal 107 operates in accordance with a bank clerk's operation in response to the customer's request, displays a screen, and issues a card to the customer or a financial transaction with the customer.

  As described above, the customer can use the bank ATM 105, the bank information terminal 106, and the window terminal 107 of the head office 101 of the financial institution α and the sales offices 102 to 104 to deposit and refund cash and purchase financial products. Financial transactions can be made with the head office 101 and the sales offices 102 to 104 of the institution α.

  The customer can also make financial transactions such as purchase of financial products with the head office 101 of the financial institution α and its sales offices 102 to 104 using the home PC (disctop type and notebook type PC) 111 and the mobile phone 112. . That is, when the customer operates the home PC 111 or the mobile phone 112 for a transaction with the financial institution α, the transaction information obtained by this operation is transferred to a network such as the Internet by the provider / carrier (that is, the provider or the carrier) 114. To the information distribution management server 100, and from there, it is further sent to the financial institution server 101a of the head office 101. Then, the response information is sent from the financial institution server 101a to the home PC 111 and the mobile phone 112 via the information distribution management server 100 and further via the network by the provider carrier 114. As a result, the home PC 111 and the mobile phone 112 operate according to the customer's financial transaction and display a screen.

  Further, even if the customer uses an ATM installed in a convenience store, that is, a convenience store ATM 113, the customer can make deposits, refunds, purchases of financial products, etc. with the head office 101 of the financial institution α and its sales offices 102 to 104. Financial transactions are possible. That is, when a customer operates the convenience store ATM 113 for a transaction with the financial institution α, transaction information by this operation is sent to the information distribution management server 100 via the mediation server 115, and from there, the head office 101 further To the financial institution server 101a. Then, the response information is sent from the financial institution server 101 a to the convenience store ATM 113 via the information distribution management server 100 and further via the mediation service 115. As a result, the convenience store ATM 113 operates in accordance with the customer's financial transaction and displays a screen.

  The information management server 100 communicates a recording unit that records various information, a writing / reading unit thereof, a communication unit that communicates with a terminal such as a home PC 111, a mobile phone 112, and a convenience store ATM 113, a head office 101, and its sales offices 102 to 104. An information processing unit that processes customer information from a terminal (including bank ATM 105) received by the communication unit and performs processing for distributing customer distribution information such as advertisement information suitable for the customer, A control unit for controlling each unit is provided. In the recording section, customer distribution information for distribution to customers such as individual customers (customer information), advertisements and announcements of financial products of the head office 101 of the financial institution α and its sales offices 102 to 104, guidance on financial events, etc. In addition, information on an information providing method for determining how to provide customer information and customer distribution information provided for each customer is also registered.

  Accordingly, the customer deposits cash using any one of the home PC 111, the mobile phone 112, the convenience store ATM 113, the bank ATM 105, the bank information terminal 106 (hereinafter collectively referred to as the customer operation terminal), for example, the convenience store ATM 113. When the transaction information by the operation is sent to the information distribution management server 100, the information distribution management server 100 receives the transaction information at the communication unit, and receives the transaction information from the head office 101. The customer information sent to the financial institution server 101a and accompanying the transaction information (for example, when the customer operation terminal is a convenience store ATM 113 or bank ATM 105, it is operated or by reading the attached customer card) Entered customer information, which can be used for home PC 111 or mobile phone 112 When the transaction operation is performed, customer information is automatically added to the transaction information), and customer distribution information such as advertisements distributed to the customer is determined, and this is provided in a manner according to the convenience store terminal 113. The information is distributed to the convenience store 113 used by the customer in a manner corresponding to the convenience store 113. As a result, the customer distribution information is displayed on the display screen of the convenience store terminal 113.

  In the following, the type of customer operation terminal used by a customer for financial transactions is referred to as a channel, a PC as a customer operation terminal is referred to as channel 1, a mobile phone is referred to as channel 2, and ATM is referred to as channel 3. The information distribution management server 100 distributes customer distribution information using different information providing methods according to the channel.

  FIG. 2 is a block diagram schematically showing a specific example of a recording unit in the information distribution management server 100, where 1 is customer information DB (database), 2 is customer attribute information, 3 is channel usage trend information, 4 Is access history information, 5 is customer distribution information table, 6 is head office distribution information, 7 and 8 are sales office distribution information, 9 is an information provision method optimization unit, 10 is an information provision method default information setting table, and 11 is default information. It is a correction table.

  In the figure, in the information distribution management server 100, customer information DB1 that stores customer information for each customer, customer distribution information 6-8 such as advertisement information, information provision method default setting, etc., in its recording unit consisting of a hard disk or the like. A table 10, a default information correction table 11, and the like are registered and recorded. The information providing method optimization unit 9 is one of the processing units provided in the information distribution management server 100, and provides each customer with an optimal information distribution method for customer distribution information. It is registered in the customer information DB 1 of the corresponding customer and regulates the delivery method of customer delivery information to the customer.

  The customer information registered in the customer information DB 1 includes customer attribute information 2, channel usage tendency information 2, and access history information 4.

  As shown in the figure, the customer attribute information 2 includes, for example, a customer ID (IDentification: identification information) such as an account number, a customer group, a customer name, an age, a gender, an address, a place of work, a family structure, and a home. This includes things like rental houses, presence of cars, and products that customers are interested in. Here, a customer group is a group of customers based on age, gender, address, place of work, family composition, distinction between home and rental house, presence of a car, etc. And so on. In the following, such customer groups are represented by A, B, C,.

  The channel usage trend information 3 includes usage terminal information representing a channel (i.e., the type of customer operation terminal) often used by the customer for financial transactions, transaction location information representing a place where the customer frequently conducts financial transactions, This includes usage time information representing a tendency of the customer's financial transaction time length, usage time information representing a time zone in which the customer often conducts financial transactions (for example, morning, noon, night, etc.).

  The access history information 4 represents a history that the customer has accessed the customer distribution information in the information distribution management server 100. The customer distribution information is provided to the customer by the information provision method created by the information provision method optimization unit 9, but this information is stored as an access history each time the customer distribution information is provided. Based on the providing method, the next providing method of the customer distribution information is determined in consideration of the access history.

  In the customer distribution information table 5, customer distribution information for each head office 104 and sales offices 102 to 104 such as advertisements distributed to customers is stored for each distribution source. In the case of the system configuration shown in FIG. 1, as shown in FIG. 2, customer distribution information provided by the head office 101 to the customer, for example, mortgage is provided as the head office provision information 6, and the sales office 102 provides the customer. Provided, for example, customer distribution information relating to investment trusts, etc. as sales office provision information 7, and further provided by sales office 103 to customers, for example, customer distribution information relating to educational loans, etc., as sales office provision information 8. Each is registered in the customer distribution information table 5. For example, when the customer makes a financial transaction with the sales office 102 via any channel (customer operation terminal), one of the customer distribution information 6, 7, 8,... Registered in the customer distribution information table 5 Are distributed to this channel (and thus this customer) according to the information provision method set in the customer information DB 1 of this customer by the information provision method optimization unit 9 and displayed on the display screen of this channel.

  Here, the customer distribution information provided to the customer is determined according to the customer group to which the customer belongs. For example, one mortgage product advertisement information of head office provided information 6 is distributed to a customer whose attribute information 2 is a single male in his twenties.

  In the information provision method default setting table 10, the information provision method of customer distribution information for each channel (customer operation terminal) is set as default (initial). The default information correction table 11 corrects the default value of the information providing method set in the information providing method default setting table 10 according to the customer group of the customer who sets the information providing method. The information provision method optimization unit 9 corrects the default information provision method in the information provision method default setting table 10 to the information provision method suitable for the customer by using the default information correction table 11, and stores the information in the customer information DB1. Set.

  When a customer starts a financial transaction with a financial institution α through the head office 101 or one of its sales offices 102 to 104, the financial institution α acquires personal information such as the customer's name and age and gender, based on this information. A passbook and card are issued. At the time of issuance, the customer's personal information is given a customer ID, and is registered in the information distribution management server 100 as attribute information 2 and the customer group of the customer is set based on the personal information. The attribute information 2 is added. If the customer group is changed due to changes in personal information such as work (occupation), family structure (married or single), home / rental, etc., the information provision method optimizing unit 9 sets the information provision method default setting table. 10 and the default information correction table 11 are used to update the information providing method for this customer.

  FIG. 3 is a diagram schematically showing a specific example of the information provision method default setting table 10 in FIG. 2, where 10a is an item “view”, 10b is an item “selection”, and 10c is an item “period”.

  In the figure, the information providing method is set for each channel (customer operation terminal) and includes three items of “browsing” 10a, “selection” 10b, and “period” 10c.

Item "Browse" 10a, when a customer delivery information provided to display time can be regarded as a customer browses defined for each channel as viewed expected time T _Y, displaying the customer delivery information The viewing estimated time T _Y or When it is determined that the customer distribution information has been browsed and the time that does not satisfy the expected browsing time _TY is displayed, it is determined that the customer distribution information has not been browsed (unviewed), and the number of browsing times necessary for the customer distribution information Is defined as the prescribed browsing count N, and the prescribed browsing count N is defined for each channel.

The specified number of browsing times N is represented by a number of round marks (viewing marks) equal to the number of times. Each time the browsing time (display time) of customer distribution information exceeds the estimated browsing time _TY , one browsing mark is displayed. The unread mark of the white circle mark “◯” is changed to the read mark of the black circle mark “●”. For example, Channel 1 (PC: i.e., home PC 111) in the case of, by a single 8-second viewing estimated time T _Y of three times the viewing or the viewing expected time T _Y, a customer at this time It is considered that the distribution information has been browsed by the home PC 111 that is the channel 1 sufficiently recognized by the customer. In this case, three browsed marks are set. The channel 2 (mobile phone: the mobile phone 112) in the case of a single set viewing time T and 2 seconds, by twice viewing over the viewing expected time T _Y, sufficient customer assumes that recognizes browsing has been made, channel 3 (ATM: namely, convenience stores ATM113 and bank ATM105) in the case of, once the specified viewing time T is 6 seconds, browsing of greater than or equal to this view expected time T _Y It is assumed that browsing has been made sufficiently recognized by the customer by being performed four times.

  In this embodiment, the customer browsing information is not capable of displaying all the contents at once, but is composed of a plurality of pieces of information with different levels of detail (depths), and each information content is displayed in order. . These pieces of information that are provided first have a low level of detail, and the level of detail becomes deeper in the order of provision. In this way, each piece of information having a different level of detail in information content is referred to as a customer browsing information phase. In this embodiment, customer browsing information is provided to a customer in order from a phase with a low level of detail of information content. In any channel, the number of phases of customer browsing information is set to three, and “shallow” in order of provision. “Detail” phase, “medium” detail phase, and “deep” detail phase. However, it goes without saying that the present invention is not limited to this. For example, in the case of investment trust advertisement information, the “shallow” level of detail is an information content that simply introduces the investment trust based on a title such as “what is an investment trust”. The “medium” level of detail is based on information such as “how others are doing investment trusts”, and the “deep” level of detail is “investment trusts”. It should have information content that introduces procedures for conducting investment trusts based on titles such as "How do I get started?"

  The providing method of each phase differs depending on how the customer delivery information is displayed on the channel (customer operation terminal) that receives the offer, the degree of attention of the customer delivery information of the customer depending on the channel usage status, and the like. FIG. 4 shows a method of providing a phase for each channel. For channel 1 (PC), the entire phase is displayed on the entire 17-inch display screen as shown in FIG. In addition, the entire phase is delivered to channel 1 at once. In this case, as shown by the item “browsing” 10a in FIG. 3, it is assumed that one phase is sufficiently recognized by the customer when it is regarded as being displayed and browsed for 8 seconds or more three times, Distribution of customer distribution information in the next phase will be performed. For the terminal of the channel 2 (mobile phone), the display screen is as small as 2.5 inches, and even if the customer distribution information is displayed on the entire display screen, the display screen is small. As shown, the phase is divided into three times and distributed to the channel 2 terminals. In this case, as indicated by the item “browsing” 10a in FIG. 3, when it is considered that each of the phases (hereinafter referred to as sub-phases) is displayed and browsed for 8 seconds or more three times. As a result, the distribution of customer distribution information in the next phase will be performed. For the channel 3 terminal (ATM), it is displayed on a part of the 15-inch display screen (for example, the upper right part). As shown in FIG. (Ie, divided into two sub-phases) delivered to channel 3 terminals. In this case, as shown by the item “browsing” 10a in FIG. 3, if each sub-phase is displayed twice for 6 seconds or more and viewed, it is assumed that the customer has sufficiently recognized In this phase, customer distribution information is distributed.

  In a channel 2 terminal (mobile phone), one phase consists of three subphases, and in a channel 3 terminal (ATM), one phase consists of two subphases. It can be said that one phase is composed of one subphase in the channel 1 terminal (PC).

  FIG. 5 shows the default information providing method for the item “browsing” 10a in FIG. 3 for the determined customer distribution information (here, “home loan” advertisement information “main-1” provided by the head office 101). It is a figure which shows one specific example.

  In the figure, the customer distribution information has three phases in the order of detail of information contents, namely, a “shallow” level of detail, a “medium” level of detail, and a “deep” level of detail. Delivered in order. Here, a distribution method of these phases is set for each channel (customer operation terminal).

  In the case of the channel 1 terminal (PC), as described in FIG. 4A, the phase of “shallow” level of detail (its information ID is “100”. Hereinafter, it is referred to as “information ID: 100”. Similarly, the distribution method is such that the “medium” level of detail (information ID: 200) and the “deep” level of detail (information ID: 300) are distributed in order without being divided. Is set.

  In the case of a channel 2 terminal (mobile phone), first, as a “shallow” level of detail, three sub-phases (information ID: 111, 112, 113) obtained by dividing the phase are distributed in order, Three sub-phases (information IDs: 211, 212, 213) into which the “medium” level of detail is divided are distributed in order, and finally, as the “deep” level of detail, the three sub-phases are divided. The delivery method is set so that the two sub-phases (information IDs: 311, 312, 313) are delivered in order. The sub-phases of information ID: 111, 112, 113 constitute the “shallow” level of detail of information ID: 100, and the sub-phases of information ID: 211, 212, 213 are The information ID: 200 has a “medium” level of detail phase, and the information IDs: 311, 312, and 313 have a “deep” level of detail phase. To do.

  In the case of a channel 3 terminal (ATM), first, as a “shallow” level of detail, two sub-phases (information IDs 121 and 122) obtained by dividing the phase are distributed in order, and then “medium”. The two subphases (information IDs: 221 and 222) obtained by dividing the phase are distributed in order as the phase of the level of detail, and finally, the two subphases (information The distribution method is set so that IDs: 321 and 322) are distributed in order. The sub-phases of the information IDs 121 and 122 constitute the “shallow” level of detail of the information ID: 100, and the sub-phases of the information IDs 221 and 222 are the information ID: The phase of 200 “medium” level of detail is configured, and the sub-phases of information IDs: 321 and 322 configure the phase of “deep” level of detail of information ID: 300 described above.

  Here, each customer distribution information 6, 7, 8 (FIG. 2) recorded in the customer distribution information table 5 is subdivided into small pieces of partial information. Each information ID is added. When reading the phase (terminal of channel 1) and sub-phase (terminal of channels 2 and 3) of customer distribution information from the customer distribution information table 5 (FIG. 2), the control unit of the information distribution management server 100 applies this information. This is done by designating the ID, and all of the partial information of the designated information ID is read from the customer delivery information table 5, whereby the customer delivery information of the desired phase or sub-phase is read out. Delivered to the customer operation terminal.

  Here, it is assumed that the customer distribution information table 5 of the head office 101 and the sales offices 102 to 104 is stored in the recording unit of the information distribution management server, but each partial information of the customer distribution information is sub-phase (channel Information ID of each sub-phase and its partial information are stored in the information distribution management server 100. A list in which addresses of storage servers are associated may be stored in the recording unit of the information distribution management server 100. According to this, based on this list, the partial information of the customer distribution information of the corresponding phase is read from the server storing it and distributed to the customer operation terminal.

  Returning to FIG. 3, the item “selection” 10 b enables the phase to be displayed to be changed to the next phase by the customer's terminal operation. That is, a selection button for selecting (requesting) the next phase of the currently displayed phase is displayed on the display screen of the phase with the customer distribution information provided from the information distribution management server 100 by the customer operation terminal. When the selection operation is clicked or touched, the selection operation information is sent to the information distribution management server 100, and the next phase of the same customer distribution information is provided from the information distribution management server 100 for browsing. Can do. Therefore, when the customer wants to actively view the next information content of the customer distribution information, the customer can receive the information content (next phase) by operating the selection button.

  FIG. 6 is a diagram showing an information providing process by the item “selection” 10b of the information providing method, where 10A is a default information providing method to the terminal of channel 2, 12a is a viewed mark, 12b is an unviewed mark, 13a Is a selected mark, and 13b is an unselected mark.

  In the figure, in the case of the information providing method 10A to the channel 2 terminal (mobile phone), as described in FIG. 3, each sub-phase of the customer distribution information is continuously viewed for 2 seconds or more. If it is regarded, the phase is sufficiently recognized by the customer, and the next sub-phase is started for distribution of customer distribution information.

As the access history information 4 by such an information providing method, sub-phases of “shallow” level of detail information ID: 111, 112, 113, sub-phases of information ID of “medium” level of detail: 211, 212, 213, “ The distribution order is defined in the order of sub-phases of “deep” detail information IDs: 311, 312, and 313, and each sub-phase includes a specified number of times of browsing N (specified number of times of browsing: in the case of the mobile phone 112. , N = 2 times), the number of times of browsing (i.e., 2) is marked, and when a predetermined browsing (display) time (expected browsing time) _TY has passed in one browsing, each time The unviewed mark 12b with the white circle “◯” is changed to the browsed mark 12a with the black circle “●” one by one. In the access history shown in the figure, both the browsing count marks in the sub-phase with the information ID: 111 are the browsed marks 12a, and the browsing count marks in the other sub-phases are all the unviewed marks 12b. When the distribution of the sub-phase with ID: 111 is completed, and the customer next performs a financial transaction with the terminal (mobile phone) of channel 2, as indicated by the arrow a, in the same “shallow” level of detail The subphase of the next information ID: 112 is distributed.

Note that the control unit of the information distribution management server 100 determines the viewing time of the phase and subphase of customer distribution information provided at the customer operation terminal (home PC 111, form terminal 112, convenience store ATM 113, bank ATM 105, etc.) By using a timer, measure the time from the point at which customer distribution information is provided when the financial transaction screen is displayed on this customer operation terminal to the point when the customer distribution information is displayed when the screen is displayed for this financial transaction operation. To make a decision. In addition, the control unit of the information distribution management server 100 is provided with a counter that counts the browsed marks 12a in the phases and subphases of each channel (customer operation terminal type). There beyond browsing estimated time T _Y defined so far count of browsing already mark 12a of increments by 1, and registers the access history information 4 the result as the viewing frequency value. This process is equivalent to that we increase by one the viewing completion mark 12a for each viewing more than viewing estimated time T _Y defining.

  For the item “selection” 10b of the information providing method, a square mark selection mark is added for each phase (terminal of channel 1) and sub-phase (terminals of channels 2 and 3) displayed on the screen. Normally, this selection mark is an unselected mark 13b with white “□”. While the sub-phase of information ID: 112 is being displayed on the display screen of the customer operation terminal, if the selection button displayed at the same time on this sub-phase screen is operated, the sub-phase of currently displayed information ID: 112 is changed. The process moves to the next phase of the included phase, and moves to the display of the sub-phase of the first information ID 211. Then, in order to leave the timing when the selection button is operated as history information, the sub-phase provided to the customer operation terminal when the selection button is operated (that is, the sub-phase of information ID: 112) is not selected. The mark 13b is changed to a selected mark 13a with a fill “■” indicating that the selection button has been operated. Along with this, as shown by an arrow b, the first subphase of the next phase, that is, in the case of FIG. Will be.

  In this way, it is possible to change the state of displaying the next phase of the same customer distribution information by operating the selection button by the item “selection” 10b of the information providing method, and that the operation has been performed. The history is registered in the access history information 4.

Returning to FIG. 3 again, the item “period” 10c of the information providing method is a period (assuming that the customer has no longer used the customer distribution information set as optimum for the customer in the information distribution management server 100). (Hereinafter referred to as non-use deemed period T _N ), and for customer distribution information that is no longer used beyond this non-use assumed period T _N , the browsing history is canceled and the delivery possible phase is preceded. It is intended to return. In the example shown in the figure, in the case of a terminal (PC) of channel 1, the non-use assumed period _{TN is set} to 7 days, and when it is not used beyond this, the entire browsing history is canceled and the distribution start sub The phase is returned to the first sub-phase (ie, the first sub-phase of the “shallow” level of detail), and in the case of a channel 2 terminal (mobile phone), the non-use-deemed period T _N is 18 days, When it is not used beyond this, it cancels the entire browsing history so far and returns the distribution start sub-phase to the first sub-phase (ie, the first sub-phase of the “shallow” level of detail). Yes, in the case of a channel 3 terminal (ATM), the non-use-deemed period TN is set to 2 days, and when it is not used beyond this, the browsing history up to the previous sub-phase is stored. Cancel and return the sub-phase of distribution start to the previous sub-phase (In the case of ATM, it is not used all the time, so return to the previous sub-phase. However, since the awareness of browsing the displayed customer distribution information is less than in the case of using other channels, it is easy to forget, and therefore, the non-use assumed period _TN is shortened to 2 days).

  FIG. 7 is a diagram showing the information providing process by the item “selection” 10c of the information providing method. The parts corresponding to those in FIG.

In the figure, it is assumed that the access history by the channel 2 terminal (mobile phone) is in a state in which the sub-phase of the first information ID: 311 in the phase of “deep” level of detail is delivered once. If such a state continues beyond the 18-day non-use period _TN defined by the item “period” 10c in the information providing method, and the customer distribution information is not viewed during that period (ie, no financial transaction is performed, Further, when this customer distribution information is not directly requested to be selected, it is assumed that this customer distribution information has passed the non-use period T _N , and the item “period” 10c of the information providing method indicates as indicated by an arrow c. Returning to the first subphase of the customer distribution information, that is, the subphase of the first information ID: 111 in the “shallow” level of detail, the next distribution is performed from this subphase. At the same time, the browsed mark 12a in the already delivered subframe is returned to the unviewed mark 12b. For example, the selected mark 13a with the information ID: 112 is also returned to the unselected mark 13b.

As described above, when the customer distribution information is not accessed even after the non-use-deemed period _TN , it is assumed that the customer distribution information no longer remains in the customer's memory, and the access history information 4 The number of times of browsing in each sub-phase is reset, and from the next delivery, this customer delivery information is delivered again from the beginning. This ensures that the customer can grasp the customer distribution information from the beginning to the end.

  The information provision method default setting table 10 and the access history information 4 have been described above by taking the channel 2 terminal (mobile phone) as an example, but the same applies to the other channels 1 and 3. For the channel 1 terminal (PC) whose phase consists of one subphase, the item “browsing” 10a, the item “selection” 10b, and the item “period” 10c are applied to each phase. .

  FIG. 8 is a diagram showing a specific example of the default information correction table 11 in FIG.

  In the figure, the default information correction table 11 is a default information in the information provision method default setting table 10 in order to set an optimum information provision method for each customer of the customer group according to the customer group. The information providing method is corrected, and a correction value 11c for each channel (customer operation terminal) 11b is set for each customer group 11a. The correction value 11c is composed of a correction value 11c1 of the expected browsing time TY defined by the item “browsing” 10c (FIG. 3) in the information provision method default setting table 10 and a correction value 11c2 of the number of browsing times. is there.

In the illustrated example, for example, for a customer belonging to a customer group A, when the channel 2 terminal (mobile phone), item "Browse" correction value 11c1 viewing estimated time T _Y of 10a is "-1 second" , and the to the default value of the viewing estimated time T _Y (2 seconds) is corrected "-1 second" is also the correction value 11c2 of Views "-1 times", the default for this Views The value (twice) is corrected “−1”.

In addition, for example, for a customer belonging to a customer group B, the case of the channel 1 terminal (PC), correction value 11c2 also Views correction value 11c1 of the viewing expected time T _Y also, respectively, "± 0 seconds", It is “± 0 times” and is not corrected.

  FIG. 9 shows an example of optimization correction of the information provision method based on the default information correction table 11 of the default value of the information provision method in the information provision method default setting table 10 performed by the information provision method optimization unit 9 (FIG. 2). It is a figure which shows an example.

In the figure, taking the customer of customer group A as an example, the default information provision method 14 in the information provision method default setting table 10 is the number of times and the number of browsing prescribed for each channel by the information provision method optimization unit 9. and estimated time T _Y are corrected converted based on the correction value 11c customer groups a in the default information correction table 11, optimally transformed information providing method 15 is obtained for this customer belonging to that customer group a .

Here, in the item “browsing” 10 a in the default information providing method 14, the number of browsing times of the channels 1, 2, and 3 is defined as 3 times, 2 times, and 4 times, respectively. The correction value 11c2 of the customer group A is corrected “−1 times”, so that in the information providing method 15 after the conversion, the number of browsing times of the channels 1, 2 and 3 is 2 times and 1 respectively. 3 times. Further, in the item "Browse" 10a in the default information providing method 14, Browse expected time T _Y of the channel 1, 2 and 3 respectively 8 seconds, 2 seconds, has been defined as 6 seconds, and the default information correction table 11, the correction value 11c1 of the customer group A is corrected by “−2 seconds”, “−1 second”, and “−2 seconds”, respectively. 1, 2, 3 viewing expected time of T _Y are each 6 seconds, 1 second, and 4 seconds.

  The information providing method 15 converted in this way is set in the customer information DB 1 (FIG. 2), and customer distribution information is distributed to the customers of the customer group A based on the information providing method 15.

  FIG. 10 is a diagram schematically showing a specific example of the access history information 4 in FIG. 2. FIG. 10 (a) shows a state before customer delivery information is delivered, and FIG. 10 (b) shows delivery. 10B is a channel 2 terminal information provision method, and 10C is a channel 3 terminal information provision method. Further, the same reference numerals are given to the portions corresponding to the previous drawings.

  In FIG. 10A, the access history information 4 is developed according to the information providing method for each channel as described with reference to FIG. The sub-phases are distributed in the order of degree phase and “deep” level of detail. Therefore, here, the information providing method 10A for the channel 1 terminal (PC), the information providing method 10B for the channel 2 terminal (mobile phone), and the information providing method 10C for the channel 3 terminal (ATM) are respectively shown in the item “viewing”. "10a", "selection" 10b, and "period" 10c, and the channels are distributed in the order of the information ID phase and subphase shown in FIG.

Therefore, the information providing method for the terminal of the channel 1, in each phase, in Viewed three times, and 8 seconds to view expected time T _Y for each viewing, as 7 days period T _N is regarded non-use, in this case When the period during which the customer distribution information is not browsed exceeds the non-use period T _N , the process returns to the first phase. Information providing method for channel 2 terminal is made from the phase three subphases, in each sub-phase, twice the number of views, the view estimated time T _Y for each viewing and 2 seconds, the non-use regarded period _Assuming that T _N is 18 days, when the period during which the customer distribution information is not browsed exceeds the non-use period T _N , the first sub-phase of the first phase is returned. Information providing method for the terminal of the channel 3 is made from the phase two subphases, in each sub-phase, in Viewed four times, and 6 seconds to view expected time T _Y for each viewing, the unused regarded period Assuming that _TN is 2 days, when the period during which the customer distribution information is not browsed at this time exceeds the non-use assumed period _TN , the previous subphase is restored.

  When the customer distribution information is distributed, the history (access history) is added as shown in FIG. That is, in the distributed sub-phase (including the phase at the terminal of channel 1), the browsing count mark corresponding to the distribution count is updated from the unviewed mark 12b to the browsing mark 12a, and the customer distribution information is Regardless of the financial transaction, in the case of direct selection and distribution, the selection mark is updated from the unselected mark 13b to the selected mark 13a.

In the case of the example shown in FIG. 10B, first, when the customer makes a financial transaction at the bank ATM 105 (FIG. 1), the channel of the customer distribution information is obtained according to the information providing method 10C of the terminal (ATM) of the channel 3. When the sub-phase of ID “121” of the phase of “shallow” level of detail for the terminal 3 is distributed and this sub-phase is displayed at the bank ATM 105 for the expected browsing time T _Y (6 seconds), Then, one of the unviewed marks 12b in the sub-phase of this information ID: 121 is updated to the browsed mark 12a indicated by a circled number “1”.

Next, when the customer makes a financial transaction using the home PC 111 (FIG. 1), the “shallow” level of detail for the terminal of channel 1 of the customer distribution information according to the information providing method 10A of the terminal (PC) of channel 1 The phase of information ID: 100 is distributed. If this phase exceeds the estimated browsing time T _Y (8 seconds) on the home PC 111 and the display continues for 12 seconds, it is assumed that the information has been browsed sufficiently. One of the unviewed marks 12b is updated to a browsed mark 12a indicated by a circled number “2”.

Next, when the customer makes a financial transaction at the convenience store ATM 113 (FIG. 1), according to the information providing method 10C of the channel 3 terminal (ATM), the same “shallow” level of detail as described above for the terminal of the channel 3 of the customer distribution information When the sub-phase of the information ID: 121 is distributed and the sub-phase is displayed at the convenience store ATM 113 for 9 seconds after the expected browsing time T _Y (6 seconds), the information ID: 121 One of the unviewed marks 12b in the sub-phase is updated to a second viewed mark 12a indicated by a circled number “3”.

Then, convenience stores ATM113 and Bank ATM105, that is, when the ATM in performing a financial transaction, the same information ID to each its financial transactions: 121 sub-phase of is delivered to the ATM, delivered this sub-phase browse expected time T _Y When displayed and browsed as described above, each unviewed mark 12b is displayed as a circled number “3”, “4”, “5” in the sub-phase of this information ID: 121 for each browsing, Updated to the browsed mark 12a.

  When all the unviewed marks 12b in the sub-phase with the information ID: 121 are updated to the browsed marks 12a, the sub-phase with the information ID: 121 is sufficiently recognized by the customer in the channel 3 terminal. For example, when a sub-phase of the next information ID: 122 is distributed and there is a financial transaction, one of the unviewed marks 12b is updated to a viewed mark 12a indicated by a circled number “6”.

  In the example shown in the figure, in the “shallow” level of detail, the information of the channel 1 information ID: 100 is one complete information (phase). The terminal information IDs are 111, 112, and 113, and the divided information IDs are channel 3 information IDs: 121 and 122, respectively. Then, when the information of channel 1 information ID: 100 is browsed for the prescribed browsing number N (three times) and the number of browsed marks 12a is three, or the information IDs of the terminals of channel 2: 3 of 111, 112, 113 When all the two sub-phases are browsed for the specified browsing number N (twice), and all of them have two browsed marks 12a, or, alternatively, all the two sub-phases of the channel 3 information IDs 121 and 122 are browsed. When the number of browsing is N (four times) and the number of all browsed marks 12a is four, the distribution of the “shallow” level of detail is completed, and the next “medium” level of detail is completed. It will move to delivery. The same applies to the “medium” and “deep” level of detail phases.

In addition, in the “shallow” level of detail, financial transactions are made on channels (customer operation terminals) other than the channel 3 terminal before all browsing marks are updated to the browsed mark 12a on the channel 3 terminal (ATM). is performed, if the customer delivery information is displayed browse expected time T _Y more time in the channel, the next viewing mark in the channel is changed to browse already mark 12a. For example, after the two browse marks are changed to the browsed mark 12a on the channel 3 terminal (that is, the status of the browsed mark 12a with the circled numbers “1” and “3”), the channel 1 is carried out of the terminal is financial transactions (PC), and customer delivery information is displayed beyond its browsing expected time T _Y, this time, in the terminal of the channel 1, already information ID: 100 phase of the once The estimated browsing time T _Y (8 seconds) or longer (12 seconds) is displayed and the browsing mark is changed to one browsed mark 12a, so the second browsing mark is displayed as the browsed mark 12a. Become.

On the other hand, in the case of a channel 2 terminal (mobile phone), the subphase of the first information ID: 111 of this channel 2 is within the subphase of the first information ID: 121 of the terminal (ATM) of channel 3 This information ID of the channel 3 terminal is included because the expected browsing time T _Y (6 seconds) at the channel 3 terminal is longer than the expected browsing time T _Y (2 seconds) at the channel 2 terminal. : The sub-phase of 121 is browsed the prescribed number of times of browsing N (4 times), and the sub-phase of this information ID: 121 is sufficiently recognized by the customer, and the circled numbers “1”, “3”, “4”, “5” When the four browsed marks 12a are present, the sub-phase of the first information ID: 111 of channel 2 is also sufficiently recognized by the customer, and the two browses defined are completed Considered Is, the following information ID: assumed in which a 112 phase of is delivered.

  However, when the phase of channel 1 information ID: 100 is viewed twice, the channel 2 information IDs: 111, 112, and 113 are all viewed twice, but in this way, channel 1 Although the phase of information ID: 100 is not browsed for the prescribed browsing count N (three times), browsing of the “shallow” level of detail has been completed, which is a problem. For this reason, the number of times of browsing in the phase of the channel 1 information ID: 100 is not affected by the number of times of browsing on the channel 2 terminal.

  The same applies to the “medium” and “deep” level of detail.

  In the access history information 4 of the channel 3 terminal (ATM), as shown in the figure, one browse mark becomes the browsed mark 12a in the sub-phase of the second information ID 122 of the same “shallow” level of detail. When the customer conducts a financial transaction with the mobile phone 112 (FIG. 1) in the state of being viewed (the browsed mark 12a with the circled number “6”), the “shallow” of the customer distribution information is based on the above. The sub-phase of detail information ID: 112 is distributed and displayed on the mobile phone 112. When the selection button on this display screen is displayed, in response to this, the information distribution management server 100 The unselected mark 13b in the sub-phase of this information ID: 112 is updated to the selected mark 13a, and at the same time, the details of “medium” which is the next phase of the sub-phase of this information ID: 112 Every phase of the first information ID: the 211 sub-phase of delivery to the mobile phone 112. As a result, in the mobile phone 112, the distribution is changed from the customer distribution information in the “shallow” level of detail to the “medium” level of detail, and the customer can view the customer distribution information of this content. It becomes.

  As described above, every time the information distribution management server 100 (FIG. 1) is accessed from the customer operation terminal by a financial transaction or the like, the access history information 4 of each channel 1, 2, 3 is formed in the customer information DB1. In addition, the customer distribution information is provided to the customer operation terminal according to the access history information 4 and the information providing method.

  FIG. 11 is a flowchart showing the customer distribution information providing operation of the information distribution management server 100 shown in FIG.

  In the figure, when there is a financial transaction request operation or customer distribution information selection request operation at the customer operation terminal and an access request from the customer operation terminal to the information distribution management server 100 is received (step 200), information distribution management is performed. The server 100 determines the type (channel) of the customer operation terminal that has made this access request (step 201), and based on the customer ID of the customer information sent together with this access request, the customer information ID1 ( The access history information 4 in FIG. 2) is queried (step 202), and based on the access history information 4 of the channel to which this customer operation terminal belongs, customer distribution such as advertisement information determined for this customer at this time A phase (in the case of a terminal of channel 1) or a sub-phase (channel 2) according to the type (channel) of this customer operation terminal The case of the third terminal), and delivered to the customer operation terminal, and displays (step 203).

  When the selection button for the next phase displayed together with the customer distribution information on the display screen of the customer operation terminal is operated (“Yes” in step 204), the next of the phase displayed at this time of the customer distribution information is displayed. The phase is displayed (step 205).

When the selection button is not operated (“No” in step 204), the browsing time of the sub-phase of this customer distribution information (including the phase serving as a distribution unit at the terminal of channel 1) is measured. If the expected browsing time _TY is not exceeded according to the type (channel) of the customer operation terminal (“No” in step 206), the sub-phase to be displayed next time is kept the same as the number of times of browsing for this sub-phase. (Step 207). Further, if the viewing time measured exceeds the viewing estimated time T _Y is ( "Yes" in step 206), this sub-phase, by changing the unviewed mark 12b in one view already marks 12a, i.e., When the browsing count is increased by one and compared with the specified browsing count N and the browsing count is less than the specified browsing count N (“No” in step 208), the customer distribution information to be provided next time is also in the same subphase ( Step 210) If the number of times of browsing is equal to the specified number of times of browsing N (“Yes” in Step 208), the customer distribution information to be provided next time is transferred to the next subphase (if the phase moves to the next, the first of the next phase Sub-phase) (step 209).

  FIG. 12 is a diagram showing a specific example of criteria for determining whether or not customer distribution information has been viewed on the customer operation terminal. 16 is a transaction menu screen, 17 is a menu button, 17 a is a “transfer” menu button, 18 Is a banner advertisement, and 19 is a transfer menu screen. Here, the home PC 111 will be described as an example of the customer operation terminal.

  When the customer performs an operation for requesting a financial transaction with the head office 101 or the sales offices 102 to 104 of the financial institution α on the home PC 111, a transaction menu screen 16 as shown in FIG. 12A is displayed on the display screen. In this transaction menu screen 16, a plurality of menu buttons 17 are displayed. At the same time, the attribute (customer group) of the customer and the type (channel) of the customer distribution terminal are displayed from the information distribution management server 100 (FIG. 1). Customer distribution information (phase or subphase) according to being a PC or the like is supplied and displayed as a banner advertisement 18 in a part of the transaction menu screen 16, for example, the upper right corner. Therefore, the start time of the banner advertisement 18 becomes the browsing start time of the customer distribution information, and the information distribution management server 100 counts the browsing time of the customer distribution information from this time.

When this transaction menu screen 16 is displayed, the customer immediately searches for a desired transaction menu, for example, a “transfer menu”, and, for example, 3 seconds from the start of browsing as shown in FIG. When the desired “transfer” menu button 17a is operated at a later time, the display is switched to the transfer menu screen 19 as shown in FIG. 12C, and the transfer operation can be performed on the transfer menu screen 19. However, along with the display of the transfer menu screen 19, the banner advertisement 18 is not displayed. Therefore, the banner advertisement 18, and therefore the customer distribution information provided from the information distribution management server 100 at this time is only displayed for 3 seconds. When the customer operation terminal is the home PC 111 (channel 1), since the estimated browsing time _TY is 8 seconds (FIG. 3), this customer distribution information is not browsed. Accordingly, in this customer access history information 4, the number of browsed marks 12a remains as it is.

Further, when the transaction menu screen 16 is displayed, the customer sees the entire transaction menu screen 16 and the like, as shown in FIG. 12 (d). When the “transfer” menu button 17 a is operated, as shown in FIG. 12E, the display is switched to the transfer menu screen 19, and the transfer operation can be performed on this transfer menu screen 19. The banner advertisement 18 is not displayed together with the display of the transfer menu screen 19, but the banner advertisement 18, and therefore the customer distribution information provided from the information distribution management server 100 at this time is displayed for 8 seconds. since longer than the viewing expected time T _Y of 8 seconds in this case, the customer delivery information will have been viewed, the access history information 4 of the customer, so that the number of viewing already mark 12a is increased one .

In this case, when the customer distribution information is not displayed for 8 days or more exceeding the non-use assumed period T _N (7 days) on the home PC 111 and the customer distribution information is not displayed, the previously viewed mark 12a is “shallow”, Through the “medium” and “deep” level of detail, all are changed to the unviewed mark 12b, and the original unviewed state is restored. However, the access history of other channels is not affected.

  In this way, it is determined whether or not the customer distribution information has been browsed at the actually displayed time.

  FIG. 13 is a diagram showing a specific example of customer distribution information for each phase displayed on the customer operation device.

  In the figure, for the convenience of explanation, the order of providing customer distribution information to the customer operation terminal is phase 1, 2, 3 for channel 1 (PC), and sub-phase 1, 2, 3 for channel 2 (mobile phone). 3,... 9 and in channel 3 (ATM), subphases 1, 2, 3,.

  Here, as described above, phase 1 of channel 1 is a “shallow” level of detail, phase 2 is a “medium” level of detail, and phase 3 is a “deep” level of detail. Further, subphases 1 to 3 of channel 2 form a phase of “shallow” level of detail, subphases 4 to 6 form a phase of “medium” level of detail, and subphases 7 to 9 have a “deep” level of detail. The sub-phases 1 and 2 of the channel 3 form a phase of “shallow” level of detail, the sub-phases 3 and 4 form a phase of “medium” level of detail, and the sub-phases 5 and 6 It forms a phase of “deep” detail.

  Here, assuming that the customer distribution information provided by the financial institution α (FIG. 1) is advertisement information of the product “investment trust”, when channel 2 (mobile phone) is used as a customer operation terminal used for financial transactions, FIG. As shown in (a), in the sub-phase 1 of the “shallow” level of detail, for example, the advertising content 20 with the shallowest level of detail such as “Do you use investment trust assets effectively?” Is displayed. Then, the sub-phases 2 and 3 display sub-phase 1 and the remaining advertising content that becomes a set of advertising information. When the browsing of the sub-phases 1, 2, and 3 is completed, the sub-phases 4, 5, and 6 of the detailed information content of the “medium” level of detail are received next than the “shallow” level of detail phase. When these are browsed, for example, the most detailed advertisement information 21 such as “Let's simulate the fund” in phase 8 is provided and displayed. Here, in the channel 2, as described above, customer distribution information provided on the entire display screen of the mobile phone is displayed.

  Further, when the channel 3 (ATM) is used as a customer operation terminal used for financial transactions, as shown in FIG. 13B, for example, in the sub-phase 1 of the “shallow” level of detail, for example, “investment” Ad content 22 with the shallowest level of detail such as “5 points of investment trust” is displayed, and in sub-phase 4 of the next “medium” level of detail, for example, “Other An advertisement content 23 with a medium level of detail such as “How are people doing investment trusts?” Is displayed, and in the sub-phase 5 of the next “deep” level of detail, for example, “ The advertisement content 24 having the deepest level of detail of information such as "How can I get started?" Is displayed.

  In this way, the customer distribution information is displayed in such a manner that the level of detail is gradually increased so that the customer can easily recognize each type of channel, that is, the customer operation terminal.

In the above embodiment, the case where there are three types of channels 1 to 3 has been described, but the number of channels can be arbitrarily set. For example, the convenience store ATM and the bank ATM are different channels, the channel 3 of the above embodiment is a channel for the bank ATM, and the specified number of browsing times N, the expected browsing time T _Y , the non-browsing deemed period T _N different from the channel 3 and Channel 4 having the number of subphase divisions may be set as a convenience store ATM channel.

  As described above, in this embodiment, customer operation that uses customer distribution information optimal for customers such as product advertisements according to the customer's age, environment, and lifestyle based on customer attribute information in the personal information DB for financial transactions. It can be provided by an information providing method according to the terminal, can ensure the degree of attention to the customer's products, etc., and can effectively sell campaigns.

1 is a system configuration diagram showing an embodiment of an information providing system according to the present invention. It is a block diagram which shows a specific example of the information delivery management server in FIG. It is a figure which shows typically one specific example of the information provision method default setting table 10 in FIG. It is a figure which shows a specific example of the subdivision according to the channel (customer operation terminal) of one phase of customer delivery information. It is a figure which shows one specific example of the default of the information provision method regarding the item "browsing" in FIG. 3 with respect to the determined customer delivery information. It is a figure which shows the information provision process by the item "selection" of an information provision method. It is a figure which shows the information provision process by the item "period" of an information provision method. It is a figure which shows one specific example of the default information correction table in FIG. It is a figure which shows an example of the optimization correction | amendment of the information provision method default setting table performed by the information provision method optimization part shown in FIG. FIG. 3 is a diagram schematically illustrating a specific example of access history information in FIG. 2. It is a flowchart which shows the provision operation | movement of the customer delivery information of the information delivery management server shown in FIG. It is a figure which shows one specific example of the criterion of whether the customer delivery information was browsed with the customer operation terminal. It is a figure which shows one specific example of the customer delivery information for every phase.

Explanation of symbols

1 Customer information DB
2 Customer attribute information 3 Channel usage trend information 4 Access history information 5 Customer distribution information table 6 Head office distribution information 7, 8 Sales office distribution information 9 Information provision method optimization unit 10 Information provision method default information setting table 10a to 10c Information provision method 10A Default information providing method to channel 2 terminal 10B Information providing method to channel 2 terminal 10C Information providing method to channel 3 terminal 11 Default information correction table 12a Viewed mark 12b Unviewed mark 13a Selected Mark 13b Unselected mark 14 Default value of information providing method 15 Information providing method after correction 16 Transaction menu screen 17 Menu button 17a “Transfer” menu button 18 Banner advertisement 19 Transfer menu screen 100 Information distribution management server 101 Finance Branch office 105 Bank ATM headquarters 102 to 104 financial institutions α of the function α
106 Bank Information Terminal 107 Window Terminal 108 Terminal Server 109 Account Server 110, 110a, 110b Branch Office Server 111 Customer's Home PC
112 Mobile phone of customer 113 ATM installed in convenience store
114 Provider Carrier 115 Mediation Server

Claims (7)

It is possible to access the information distribution management server with different types of customer operation terminals, and customer distribution information such as advertisement information from the information distribution management server to any type of customer operation terminal operated by the customer. Is an information providing system in which
The information delivery management server
Customer attribute information,
Access history information to the information distribution management server for each type of customer operation terminal of the customer,
A method of providing customer delivery information for each type of customer operation terminal of the customer;
A customer delivery information table,
The customer distribution information to be distributed is determined for each customer based on the customer attribute information, and the determined customer distribution information is determined based on the information providing method corresponding to the customer operation terminal operated by the customer. An information providing system for delivering to the customer operation terminal operated by the customer. In claim 1,
The information distribution management server, based on the information providing method, divides the information distribution information into information of a plurality of phases having different details of information, and distributes the information in descending order of details,
An information providing system for delivering information of a next phase when it is considered that the delivered information of the phase has been browsed by the customer operation terminal a predetermined number of times. In claim 2,
The information distribution management server divides the information of the phase into subphase information for each information of the phase based on the information providing method, and distributes the information of the subphase in order of the number of times of browsing. When the information is displayed on the customer operation terminal of the distribution destination for the estimated browsing time or more determined in advance by the information providing method, the information on the sub-phase to be distributed next is the next in the distribution order. An information providing system characterized by sub-phase information. In claim 3,
The information distribution management server
While displaying the customer distribution information distributed on the display screen of the customer operation terminal, to display a selection button,
When the selection button is operated, on the basis of the information providing method, the information of the phase next to the phase of the information of the sub-phase displayed on the customer operation terminal is distributed and displayed. To provide information. In claim 3 or 4,
The information distribution management server
An information providing system for canceling the number of times of browsing of information that has already been distributed to the customer operation terminal that is not accessed for an unused period determined in advance by the information providing method. In claim 5,
The number of browsing times canceled by not accessing the non-use period,
When the customer operation terminal is a personal computer and a mobile phone, cancel the total browsing count,
When the customer operation terminal is an ATM (Automatic Teller Machine), the information providing system is configured to cancel up to the number of browsing times for the information of the sub-phase distributed one time before. In any one of Claims 1-6,
The information distribution management server
A first table storing default values for each type of the customer operation terminal of the information providing method;
A second table of correction values for correcting a default value of the information providing method for each customer operation terminal according to a group of customers based on the customer attribute information;
Means for correcting a default value of the information providing method of the first table with a correction value of the second table.

Images