JP4945022B2 - Financial information providing system and web information providing method thereof - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a financial information providing system and a web information providing method thereof.
[0002]
[Prior art]
Conventionally, there are services that can provide bank services using the Internet.
[0003]
[Problems to be solved by the invention]
However, information related to customer attributes managed by banks (customer attribution information) and web information provided by other WWW servers are linked, and customer-specific financial information based on the customer attributes of each customer is obtained. There is a problem that there is no system that can be provided to customers.
[0004]
In addition, there is a problem that there is no system in which customers can negotiate conditions for web information provided by a WWW server via a network using customer attribution information managed by a bank.
[0005]
In view of the above problems, an object of the present invention is to link customer attribution information managed by a bank with web information provided from a WWW server, and to obtain customer-specific financial information based on customer attributes. It is to provide a financial information providing system and a web information providing method thereof.
[0006]
In addition, in view of the above problems, the object of the present invention is to provide financial information that allows customers to negotiate conditions for web information provided by a WWW server via a network using customer attribution information managed by a bank. It is to provide a providing system and a web information providing method thereof.
[0007]
[Means for Solving the Problems]
The invention according to claim 1 is a bank server that stores customer attribution information of each customer in a customer database, a WWW server that provides web information related to financial information to a customer PC via a network, and a processing request from the WWW server. A customer PC that is connected to a recommendation engine server that performs processing on the server and returns the result, and registers the customer attribution information in the bank server and receives the web information from the WWW server Is a financial information providing system that can be connected via a network, The web information includes first web information and second web information, In response to the reception of the web information request, the receiving means of the WWW server for receiving the web information request regarding the financial information desired by the customer from the customer PC via the network, First web information The first web information providing means of the WWW server provided to the customer PC via the network, the customer input conditions related to the first web information provided to the customer PC, and the identification of the customer WWW server acquisition means for acquiring information from the customer PC via the network, the customer identification information is acquired from the WWW server, and stored in the customer database of the bank server Store A customer attribution information search means of a recommendation engine server that retrieves the customer attribution information, and the input condition is acquired from a WWW server, and output data for the input condition input from the customer PC is obtained. Store An output data search means of a recommendation engine server for searching output data for the input condition from a rule database; The retrieved output data Received from the recommendation engine server, Second web information that includes the received output data and is web information in accordance with the retrieved customer attribution information. And a second web information providing means of a WWW server provided to the customer PC via the network.
[0008]
As a result, information related to customer attributes and histories managed by the bank (customer attribution information) and web information provided by other WWW servers are linked, and customers based on the customer attributes or histories of each customer. Unique financial information can be provided to customers.
[0011]
Claim 2 The invention described in claim 1 In the financial information providing system described in the above, the customer attribution information includes customer ID, email address, password, industry, work history, transaction history, capital, number of employees, head office location, past one year use record, sales Or at least one of pre-tax profit, cost of sales, interest-bearing debt balance, inventory, and / or history information.
[0012]
As a result, it is clarified that customer attribution information is customer-specific information including qualitative information such as customer attributes and history information, and such customer attribution information is registered in the customer database and linked with web information. Can be taken.
[0013]
Claim 3 The invention described in claim 1 In the financial information providing system described in
The web information related to the financial information includes at least one of interest rate information, business consultant information, securities information, and guarantee information.
[0014]
Claim 4 The invention described in claim 1 In the financial information providing system according to claim 1, Output data search means Said Acquisition means When an additional input condition is received from the customer PC, output data for the additional input condition is re-searched from the rule database.
[0015]
Thereby, extremely effective information can be provided to the customer by linking the customer attribution information stored in the customer database with various web information related to finance.
[0016]
Claim 5 In the invention described in the above, a bank server that stores customer attribution information of each customer in a customer database, a WWW server that provides web information related to financial information to a customer PC via a network, and a processing request from the WWW server A recommendation engine server that executes processing and returns the result is connected to each other via a network, and the customer PC that registers the customer attribution information in the bank server and receives the web information from the WWW server is connected to the network. A financial information providing method in a financial information providing system connectable via The web information includes first web information and second web information, and the method includes: The receiving means of the WWW server receives a request for web information relating to financial information desired by the customer from the customer PC via the network, and the first web information providing means of the WWW server includes web information In response to receiving the request, First web information Are collected and provided to the customer PC via the network, and the acquisition means of the WWW server includes a customer input condition and identification information of the customer related to the first web information provided to the customer PC. Is acquired from the customer PC via the network, and the customer attribution information search means of the recommendation engine server acquires the customer identification information from the WWW server and stores it in the customer database of the bank server. Store And the output data search means of the recommendation engine server obtains the input condition from a WWW server, and outputs output data for the input condition input from the customer PC. Store Retrieving output data for the input condition from a rule database , The second web information providing means of the WWW server is The retrieved output data Received from the recommendation engine server, Second web information that includes the received output data and is web information in accordance with the retrieved customer attribution information. Providing to a customer PC via a network.
[0017]
As a result, information related to customer attributes and history managed by the bank (customer attribution information) and web information provided by other WWW servers are linked, and customers based on the customer attributes or history of each customer. Unique financial information can be provided to customers.
[0020]
Claim 6 The invention described in claim 5 In the financial information providing method described in the above, the customer attribution information includes customer ID, email address, password, industry, work history, transaction history, capital, number of employees, head office location, past one year use record, sales Or at least one of pre-tax profit, cost of sales, interest-bearing debt balance, inventory, and / or history information.
[0021]
As a result, it is clarified that customer attribution information is customer-specific information including qualitative information such as customer attributes and history information, and such customer attribution information is registered in the customer database and linked with web information. Can be taken.
[0022]
Claim 7 The invention described in claim 5 In the financial information providing method according to claim 1, the web information related to the financial information includes at least one of interest rate information, business consultant information, securities information, and guarantee information.
[0023]
Claim 8 The invention described in claim 5 In the financial information providing method according to claim 1, when the output data is received from the customer PC in the obtaining step, the output data for the additional input condition is re-searched from the rule database. To do To include Features.
[0024]
Thereby, extremely effective information can be provided to the customer by linking the customer attribution information stored in the customer database with various web information related to finance.
[0025]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
[0026]
FIG. 1 is a diagram showing an example of a configuration of a financial information providing system to which the present invention is applied, and conceptually shows only a portion related to the present invention in the configuration of the system.
[0027]
The financial information providing system includes at least a bank server 100, a customer PC 200, a WWW server 300, and a recommendation engine server 400 that are connected to each other via a network 500.
[0028]
The bank server 100 has a function of providing various bank services to the customer PC 200 managed by the bank and storing customer attribution information in the customer database 122. Customer PC 200 is a terminal managed by the customer, and has a function of accessing bank server 100 and WWW server 300 via network 500. Here, the customer PC 200 has a connection function to the network 500 such as the Internet and can browse web information (for example, Internet Explorer (product name) of Microsoft (company name)), Netscape Communication (company name). ) Netscape etc.) which is a commercially available personal computer, an information processing device such as a PDA, a wireless calling terminal, a PHS terminal, or a portable terminal. In particular, the portable terminal has an electronic mail function, A terminal having a function to access the Internet may be used (for example, an i-mode (service name) terminal provided by NTT DoCoMo, Inc. (company name)). The WWW server 300 has a function of providing web information to the customer PC 200 via the network 500, and requests processing to the recommendation engine server 400 by an extension mechanism such as a common gateway interface CGI. It has a function of returning the result to the customer PC 200. The recommendation engine server 400 has a function of executing processing for a processing request from the WWW server 300 and returning the result, and particularly has the following functions. First, the customer database 122 is accessed, and matching between customer attribution information and web information is executed from the ID, password, etc. of the customer PC 200. Second, the access record of the WWW server 300 (for example, browsing HP information such as a browsing page, browsing date and time, browsing count, etc.) is stored in the customer database 122 as history information. Third, Web information linked to the customer database 122, such as accessing the rule DB and searching for customer-specific information based on the credit program, or providing additional information reflecting additional conditions input from the customer To provide. The network 500 has a function of mutually connecting the bank server 100, the customer PC 200, and the WWW server 300. For example, the Internet, an intranet, a LAN, a public telephone network (including both analog / digital), Any of a PDC / PDC-P system mobile circuit switching network / portable packet switching network, a wireless paging network, a PHS network, a satellite communication network, and the like may be included.
[0029]
Next, the bank server 100, the WWW server 300, and the recommendation engine server 400 in FIG. 1 will be described in detail with reference to FIGS.
[0030]
FIG. 2 is a diagram showing an example of the configuration of the bank server 100 to which the present invention is applied, and conceptually shows only the portion related to the present invention in the configuration.
[0031]
The bank server 100 of the present invention includes at least a programmed main control unit (control means, hereinafter abbreviated as CPU) 102 that controls at least the entire system, and a mouse connected to the CPU 102 via a bus 104. An input device 106 composed of various pointing devices such as a keyboard, an image scanner, a digitizer, etc., a display device 108 used for monitoring input data, an output device 110 such as a printer for outputting various audit results and other data, and a communication line ( (Including wired / wireless, LAN / Internet, analog / digital, etc.) etc., and a communication port 112 including a terminal adapter, DSU, and the like. Further, the input device 106, the display device 108, and the output device 110 may be connected to the CPU 102 via input / output interfaces, respectively.
[0032]
The CPU 102 has a control program such as an OS (Operating System), a program that defines various processing procedures, and an internal memory for storing necessary data, and executes various bank services using these programs. Information processing. The storage device 120 is a storage unit such as a fixed disk device such as a hard disk, a flexible disk, or an optical disk, and stores various tables, files, databases, and the like used for various processes, and stores at least a customer database 122. The customer database 122 stores data including customer attribute information.
[0033]
Here, FIG. 5 is a diagram illustrating an example of data items stored in the customer database 122. As data items stored in the customer database 122, for example, member ID, email address, password, customer attribute information (for example, industry, work history, transaction history, capital, number of employees, head office location, past one year use record) Etc.), financial items (eg, sales, profit before tax, cost of sales, interest-bearing debt balance, inventory, etc.), history information (eg, browsing HP information such as browsing page, browsing date, browsing count, etc.) Including one.
[0034]
The input device 106 is an input means for a user to input various data, and includes a mouse, a keyboard, an image scanner, and the like for selecting a menu on the screen and inputting data. The display device 108 has a function of displaying various menu screens, processing results, and the like, and is a display device, for example. The output device 110 has a function of outputting the processing result to a medium such as paper, and is, for example, a printer device. The communication port 112 has a function of communicating data with other terminals via a communication line. The bank server 100 also includes peripheral devices such as printers, displays, and image scanners in information processing devices such as known personal computers, workstations, PHS terminals, mobile phone terminals, mobile communication terminals, and information processing terminals such as PDAs. It may be realized by connecting software (including programs, data, etc.) that connects and implements various processing of bank services in the information processing apparatus.
[0035]
FIG. 3 is a diagram illustrating an example of functional blocks of the WWW server 300 illustrated in FIG. 1, and conceptually illustrates only a part related to the present invention among the functions of the WWW server 300. Here, each functional block described in FIG. 3 is realized by a program executed by a control device such as a CPU in the hardware configuration of the WWW server 300, a memory device, a storage device, or the like.
[0036]
The WWW server 300 includes at least a web information providing unit 302, a web information file 304, and a CGI unit 306. The web information providing unit 302 is connected to the web information file 304 and the CGI unit 306, and requests the customer PC 200 to the recommendation engine server 400 via the web information recorded in the web information file 304 and the CGI unit 306. It has a function of editing and providing the processing result of the processing. Here, the web information to be provided is preferably related to financial information, such as various interest rate information, business consultant information, securities information, guarantee information, currency exchange information, market economy, and the like. The web information stored in the web information file 304 may be provided to the customer PC 200 as it is, or a further edited version of the processing result of the recommendation engine server 400 may be provided to the customer PC 200. Good. The web information file 304 is connected to the web information providing unit 302 and has a function of storing web information. The CGI unit 306 has an interface function between other devices and the WWW server 300.
[0037]
FIG. 4 is a diagram illustrating an example of functional blocks of the recommendation engine server 400 illustrated in FIG. 1, and conceptually illustrates only a portion related to the present invention among the functions of the recommendation engine server 400. Here, each functional block described in FIG. 4 is realized by a program executed by a control device such as a CPU in the hardware configuration of the recommendation engine server 400, a memory device, a storage device, or the like.
[0038]
The recommendation engine server 400 includes at least a customer database access unit 402, a recommendation engine unit 404, a rule database 406, and a WWW server communication unit 408. The customer database access unit 402 has a function of accessing the customer database 122 and registering, referring to, updating, and deleting data in the customer database 122. The WWW server communication unit 408 is connected to the recommendation engine unit 404 and has a function of communicating with the WWW server 300. The recommendation engine unit 404 is connected to the customer database access unit 402, the rule database 406, and the WWW server communication unit 408, accesses the customer database 122, and matches customer attribution information and web information from the ID, password, etc. of the customer PC 200. It has a function to execute. In addition, according to the processing request from the WWW server 300, the rule database 406 is accessed to search for customer-specific information based on the credit program, return additional information reflecting additional condition input from the customer, etc. Web information linked to the customer database 122 is provided. Furthermore, the access record of the WWW server 300 (for example, browsing HP information such as browsing page, browsing date, browsing count, etc.) may be stored in the customer database 122 as history information, and this history information may be linked to web information. .
[0039]
Here, FIG. 6 is a diagram illustrating an example of data items stored in the rule database 406. As data items stored in the rule database 406, for example, input conditions (various conditions input from the customer PC 200), reference data (related data items of the customer database 122 or the rule database 406), data conditions (condition branch information) ), Output data (output data corresponding to the input condition). The rule database 406 may be configured as a relational database RDB, or data may be configured using an existing social filtering technique.
[0040]
Next, an example of the operation of the financial information providing system according to the present embodiment configured as described above will be described in detail with reference to FIGS.
[0041]
In the system of the present invention, for example, a bank server 100 independent of the customer PC 200 and the WWW server 300 is provided on a network 500 such as the Internet, and customer attribution information (customer attributes, information on history, etc.) stored in the bank server 100 is provided. Web information is provided from the WWW server 300 to the customer PC 200 in cooperation with customer-specific information including qualitative information. Further, the customer PC 200 is provided with web information according to its own attribute information from the WWW server 300 without transmitting customer attribution information to the WWW server 300. At that time, the customer attribution information of the bank server 100 can be linked using the self ID, password or the like as a key. Further, the customer PC 200 can make a product application via the network 500 based on the web information provided from the WWW server 300, and further input a condition and receive an answer (depending on the function of the recommendation engine server 400). Thus, the condition negotiation with the WWW server 300 can be automatically executed.
[0042]
FIG. 7 is a diagram showing an example of a communication sequence when the customer PC 200 registers customer attribution information in the customer database 122 in the financial information providing system to which the present invention is applied, and is related to the present invention in the communication sequence. Only the parts to be shown are conceptually shown.
[0043]
First, member registration is performed by transmitting data including customer attribution information from the customer PC 200 to the bank server 100, and a member ID, an e-mail address, a password, and the like necessary for subsequent procedures are registered (step S702).
[0044]
Next, the bank server 100 registers these customer attribution information in the customer database 122 (step S704).
[0045]
FIG. 8 is a diagram showing an example of a communication sequence when the customer PC 200 browses web information provided by the WWW server 300 in the financial information providing system to which the present invention is applied. Of the communication sequences, FIG. Only relevant parts are shown conceptually.
[0046]
First, the customer PC 200 requests the WWW server 300 to browse web information (step S802). At this time, the user of the customer PC 200 may access by specifying the URL of the desired WWW server 300 by operating the browser software installed in the customer PC 200, and the link information to the related WWW server 300 May be accessed first, and a desired WWW server 300 may be accessed from the page by a hyperlink function.
[0047]
Next, web information is provided from the WWW server 300 to the customer PC 200 (step S804).
[0048]
Next, on the customer PC 200, web information is displayed by browser software (step S806). For example, when the user browses the web information of interest rate information, “loan interest rate 6.25%” is displayed.
[0049]
Next, in customer PC 200, the user inputs data for a desired input item (step S808). For example, in the above-described example, the user inputs “Payment of time deposit as collateral” to the input item of the loan condition.
[0050]
Next, the WWW server 300 queries the recommendation engine server 400 for output data for the input data using the CGI function (step S810).
[0051]
Next, the recommendation engine server 400 accesses the customer database 122 and the rule database 406 (steps S812 and S814), creates output data for the input data (step S816), and outputs the output data to the WWW server 300. Is transmitted (step S818). For example, in the above example, “loan interest rate 2.75%” is returned as output data.
[0052]
Next, the WWW server 300 edits the received output data into web information (step S820), and provides web information including the output data to the customer PC 200 (step S822).
[0053]
Next, on the customer PC 200, the web information is displayed by browser software on the customer PC 200 (step S824). The user of the customer PC 200 confirms the output data, determines whether or not to reset the input item, and inputs data to the input item again as necessary (return to step S808).
[0054]
(Other embodiments)
In the above-described embodiment, the case where the WWW server 300 interfaces with the recommendation engine server 400 using CGI has been described as an example. However, the present invention is not limited to this case, and other embodiments are described. In the form, the interface may be taken using other interface means.
[0055]
In the above-described embodiment, the case where each embodiment is realized independently has been described as an example. However, the present invention is not limited to this case, and in other embodiments, each embodiment is appropriately selected. It is obvious to those skilled in the art that they can be implemented in combination.
[0056]
In the embodiment described above, the case where the WWW server 300 and the recommendation engine server 400 are realized as independent cases has been described as an example. However, the present invention is not limited to this case, and other embodiments It will be apparent to those skilled in the art that in the form, these can be combined with each other as a single housing.
[0057]
In the above-described embodiment, the case where the web information (homepage) provided from the WWW server 300 is used by being displayed by the browser software of the customer PC 200 has been described as an example. However, the present invention is not limited to this case. Instead, in other embodiments, the data may be transmitted directly to a communication device owned by the user by e-mail, telephone, FAX, or other known communication means.
[0058]
Various modifications other than those described above are possible. However, as long as the modification is based on the technical idea described in the claims, the modification is within the technical scope of the present invention.
[0059]
【Effect of the invention】
As described in detail above, according to the present invention, information related to customer attributes managed by banks (customer attribution information) and web information provided from a WWW server are linked to each customer attribute. Based customer-specific financial information can be provided to the customer.
[0060]
In addition, according to the present invention, it is possible to negotiate conditions for web information provided by a WWW server via a network by a customer using customer attribution information managed by a bank. In other words, using the customer attribution information managed by the bank and a predetermined rule database, the output data corresponding to the input data input by the customer can be searched by a function such as a recommendation engine, and the output data can be returned to the customer. Therefore, it is possible for the customer to negotiate conditions for the web information provided by the WWW server via the network.
[Brief description of the drawings]
FIG. 1 is a diagram showing an example of a configuration of a financial information providing system to which the present invention is applied.
FIG. 2 is a diagram showing an example of a configuration of a bank server 100 to which the present invention is applied.
FIG. 3 is a diagram showing an example of functional blocks of the WWW server 300 shown in FIG. 1;
4 is a diagram showing an example of functional blocks of a recommendation engine server 400 shown in FIG.
5 is a diagram showing an example of data items stored in a customer database 122. FIG.
6 is a diagram showing an example of data items stored in a rule database 406. FIG.
7 is a diagram showing an example of a communication sequence when a customer PC 200 registers customer attribution information in a customer database 122 in a financial information providing system to which the present invention is applied. FIG.
FIG. 8 is a diagram showing an example of a communication sequence when a customer PC 200 browses web information provided by a WWW server 300 in a financial information providing system to which the present invention is applied.
[Explanation of symbols]
100 bank server
102 CPU
104 bus
106 Input device
108 Display device
110 Output device
112 Communication port
120 storage device
122 Customer Database
200 customer PC
300 WWW server
302 Web information provider
304 Web information file
306 CGI part
400 recommendation engine server
402 Customer database access section
404 recommendation engine part
406 rule database
408 WWW Server Communication Department
500 networks

Claims (8)

A bank server that stores customer attribution information of each customer in a customer database, a WWW server that provides web information related to financial information to a customer PC via a network, and a process for a processing request from the WWW server, A recommendation engine server that returns a result is connected to each other via a network, and a customer PC that registers the customer attribution information in the bank server and receives the web information from the WWW server can be connected via the network. An information providing system,
The web information includes first web information and second web information,
Receiving means of a WWW server for receiving a request for web information related to financial information desired by a customer from the customer PC via a network;
In response to receiving the web information request, the first web information providing means of the WWW server that collects the first web information and provides it to the customer PC via the network;
WWW server acquisition means for acquiring customer input conditions and customer identification information related to the first web information provided to the customer PC from the customer PC via a network;
A customer attribution information search means of a recommendation engine server for acquiring the customer identification information from a WWW server and searching for the customer attribution information stored in a customer database of the bank server;
An output data search means of a recommendation engine server that retrieves the input condition from a WWW server and retrieves output data for the input condition from a rule database that stores output data for the input condition input from a customer PC;
The retrieved output data is received from the recommendation engine server , and second PC information that includes the received output data and that is web information along the retrieved customer attribution information is transmitted to the customer PC via the network. And a second web information providing means of a WWW server provided to the financial information providing system. The financial information providing system according to claim 1 ,
The customer attribution information includes customer ID, e-mail address, password, business type, business history, transaction history, capital, number of employees, head office location, past one year usage, sales, profit before tax, cost of sales, interest A financial information providing system comprising at least one of debt balance, inventory, etc. and / or history information. The financial information providing system according to claim 1 ,
The web information related to the financial information includes at least one of interest rate information, business consultant information, securities information, and guarantee information. The financial information providing system according to claim 1 ,
The financial data providing system, wherein the output data search means re-searches output data for the additional input condition from the rule database when the acquisition means receives an additional input condition from a customer PC. A bank server that stores customer attribution information of each customer in a customer database, a WWW server that provides web information related to financial information to a customer PC via a network, and a process for a processing request from the WWW server, A recommendation engine server that returns a result is connected to each other via a network, and a customer PC that registers the customer attribution information in the bank server and receives the web information from the WWW server can be connected via the network. A financial information providing method in an information providing system,
The web information includes first web information and second web information,
The method
Receiving a request for web information relating to financial information desired by the customer from the customer PC via the network, the receiving means of the WWW server;
The first web information providing means of the WWW server collects the first web information in response to receiving the web information request and provides it to the customer PC via the network;
The acquisition means of the WWW server acquires the customer input conditions and the customer identification information related to the first web information provided to the customer PC from the customer PC via a network;
Customer attribution information search means of the recommendation engine server obtains the customer identification information from a WWW server and searches the customer attribution information stored in a customer database of the bank server;
An output data search means of the recommendation engine server acquires the input condition from a WWW server and searches for output data for the input condition from a rule database storing output data for the input condition input from a customer PC; ,
The second web information providing means of the WWW server receives the retrieved output data from the recommendation engine server , includes the received output data, and is web information along the retrieved customer attribution information And providing the second web information to the customer PC via the network. In the financial information provision method of Claim 5 ,
The customer attribution information includes customer ID, e-mail address, password, business type, business history, transaction history, capital, number of employees, head office location, past one year usage, sales, profit before tax, cost of sales, interest A financial information providing method comprising at least one of debt balance, inventory, etc. and / or history information. In the financial information provision method of Claim 5 ,
The financial information providing method, wherein the web information related to the financial information includes at least one of interest rate information, business consultant information, securities information, and guarantee information. In the financial information provision method of Claim 5 ,
The step of searching the output data includes re-searching output data for the additional input condition from the rule database when an additional input condition is received from the customer PC in the acquiring step. How to provide financial information.

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