JP5749046B2 - Information processing device - Google Patents

Description

  The present invention relates to a data processing technique, and more particularly to a technique for supporting cooperation between a retail store and a financial institution.

  In order to stimulate customers' willingness to purchase, retail stores sometimes sell products at a price discounted from their original price (hereinafter also referred to as “discount sale”). In recent years, advertisements indicating that products are sold at a discount may be distributed to a consumer's mobile phone via a communication network.

JP 2010-146305 A

  Until now, the benefits of discounted sales of products have been closed to retail stores, but by establishing a mechanism that would also benefit financial institutions, a new mechanism for collaboration between retail stores and financial institutions was established. The inventor thought that it could be constructed.

  The present invention has been made in view of the above-mentioned idea of the inventor, and an object thereof is to provide a technique for realizing a new cooperation mechanism between a retail store and a financial institution.

  In order to solve the above problems, an information processing apparatus according to an aspect of the present invention includes a reception unit that receives data indicating that a product is sold at a discount price to a consumer at a retail store that has partnered with a financial institution; An adjustment unit that executes a process for causing a consumer to purchase a financial product of a financial institution for an amount corresponding to the discount price when the data is accepted.

  It should be noted that any combination of the above-described constituent elements and a representation of the present invention converted between an apparatus, a method, a system, a program, a recording medium storing the program, etc. are also effective as an aspect of the present invention.

  ADVANTAGE OF THE INVENTION According to this invention, realization of the cooperation which has a merit to both a retail store and a financial institution can be supported.

It is a figure which shows the structure of the deposit service system of 1st Embodiment. It is a block diagram which shows the function structure of the retail store apparatus of FIG. It is a block diagram which shows the function structure of the deposit service apparatus of FIG. It is a flowchart which shows operation | movement of the deposit service apparatus of FIG. It is a figure which shows the structure of the deposit service system of 2nd Embodiment. It is a block diagram which shows the function structure of the deposit service apparatus of FIG. It is a flowchart which shows operation | movement of the deposit service apparatus of FIG. It is a flowchart which shows operation | movement of the deposit service apparatus of FIG.

Before describing the embodiment of the present invention, an outline will be described first.
Retail stores may sell merchandise at discounted prices that are lower than normal selling prices. Such discount sales make it easier to increase sales at retail stores as a result of increasing customer attraction and encouraging customers to purchase. However, in order to make discount sales effective, it is necessary to notify customers that discount sales will be carried out, and the advertising costs for that may be a burden on retailers.

  Meanwhile, financial institutions such as banks and securities companies provide customers with multiple types of financial products with different liquidity. One of them is financial products with relatively high liquidity. This can be said to be a financial product with a relatively low purchaser risk and a financial product for settlement purposes. For example, ordinary deposits, current accounts, MRF (Money Reserve Fund), ordinary savings, etc. are applicable. The other is financial products with relatively low liquidity. It can be said that this is a financial product with a relatively high purchaser's risk and a financial product for savings. For example, fixed deposit, notification deposit, MMF (Money Management Fund), fixed savings, etc.

  For financial institutions, the ratio of the sales volume of financial products with relatively low liquidity (for example, the amount of assets in time deposits) to the sales volume of financial products with relatively high liquidity (for example, the amount of assets in ordinary deposits) It is considered desirable to increase. This is because the former needs to manage relatively low-risk, low-return funds to ensure high liquidity, while the latter can manage relatively high-risk, high-return funds. In the following, a bank will be described as an example of a financial institution, ordinary deposits will be described as financial products with high liquidity, and time deposits will be described as examples of financial products with low liquidity.

  Based on this, the present inventor considered a new form of collaborative business between retail stores and financial institutions. Specifically, when a product is sold at a discount in a retail store, the amount equivalent to the discount amount is automatically transferred from a savings account of a consumer who is a product purchaser to a time deposit account at a bank. In exchange for this, the bank acts as a promotional agent for discount sales at retail stores. This allows consumers to purchase goods at a low price, allows retailers to enjoy increased customer acquisition and sales through reduced sales while reducing advertising costs, and allows banks to increase the amount of time deposit assets. it can.

(First embodiment)
FIG. 1 shows a configuration of a deposit service system 100 according to the first embodiment. The deposit service system 100 includes a customer management device 12 installed in a bank, an account management device 14, a deposit service device 16, a retail store device 18 installed in each of a plurality of retail stores, and a consumer. Mobile information terminal 20. Each of these devices is connected via a communication network 10 including a LAN, a WAN, and the Internet. The communication network 10 also appropriately includes a wired or wireless communication network. Note that the consumer in FIG. 1 has previously opened a savings account and a time deposit account in the bank.

  The customer management device 12 is an information processing device that manages information related to bank customers (for example, depositors and mortgage borrowers). For example, information indicating various financial products purchased by each customer, in other words, used in the bank, is stored. The account management device 14 is an information processing device that manages information related to an account held by a bank customer. For example, attribute information including the balance regarding each customer's savings account is held, and attribute information including the balance regarding each customer's time deposit account is stored.

  The deposit service device 16 advertises the execution of discount sales at the retail store, detects the fact that discount sales have been made to the consumer at the retail store, and transfers the discount amount from the consumer's savings account to the fixed deposit account. An information processing apparatus that executes processing. Details of the deposit service device 16 will be described later.

  The retail store apparatus 18 is an information processing apparatus for supporting product sales in a retail store. Detailed description of the retail store apparatus 18 will be described later. The mobile information terminal 20 may be a mobile phone terminal, or a smartphone or a tablet computer. The portable information terminal 20 includes a storage device (for example, a flash memory or a FeliCa chip (“FeliCa” is a registered trademark)). In this storage device, in addition to consumer attribute information including consumer identification information, advertisement information distributed from the deposit service device 16 to the consumer is held. As a modification, the storage device may be an RF tag for communication by RFID.

  FIG. 2 is a block diagram showing a functional configuration of the retail store apparatus 18 of FIG. The retail store apparatus 18 includes a wireless communication unit 30, a user information reading unit 32, a sales price determination unit 34, a sales processing unit 36, and a sales information notification unit 38.

  Each block shown in the block diagram of the present specification can be realized in terms of hardware by an element such as a CPU of a computer or a mechanical device, and in terms of software, it can be realized by a computer program or the like. The functional block realized by those cooperation is drawn. Therefore, those skilled in the art will understand that these functional blocks can be realized in various forms by a combination of hardware and software. For example, each functional block in FIG. 2 may be stored as a software in a recording medium, installed in a hard disk of the retail store apparatus 18, and appropriately read into the main memory of the retail store apparatus 18 and executed by the CPU. The same applies to FIGS. 3 and 6 described later.

  The wireless communication unit 30 is a communication interface that performs wireless communication with the portable information terminal 20. Typically, wireless communication using a non-contact IC card is executed. For example, when the portable information terminal 20 is equipped with a FeliCa chip, the wireless communication unit 30 may be a FeliCa reader. When the portable information terminal 20 is equipped with an RF tag, the wireless communication unit 30 may be an RFID reader. The user information reading unit 32 reads information held in the portable information terminal 20 via the wireless communication unit 30. Specifically, the consumer identification information and the advertisement information distributed to the portable information terminal 20 are read. This advertisement information includes information indicating the discount amount of the product.

  The sales price determination unit 34 determines the sales price of the product. In normal times, a normal sales price (which may be a so-called fixed price, hereinafter also referred to as “normal price”) stored in a predetermined storage area in advance is selected as the sales price of the product. On the other hand, when the advertisement information is read by the user information reading unit 32, an amount obtained by subtracting the discount amount indicated by the advertisement information from the normal price is selected as the sale price of the product, that is, the discount price.

  The sales processing unit 36 executes various processes for selling the product at the sales price determined by the sales price determining unit 34. For example, sales price display processing, deposit acceptance processing, change amount calculation processing, withdrawal processing, sales information recording processing, receipt issuance processing, and the like are executed. The sales information notification unit 38 transmits information indicating the fact that the product is sold at a discount price (hereinafter also referred to as “sales information”) to the deposit service device 16. This sales information includes identification information and a discount amount of a consumer who is a product purchaser.

  FIG. 3 is a block diagram showing a functional configuration of the deposit service device 16 of FIG. The deposit service device 16 includes a retail store attribute holding unit 40, a discount information holding unit 42, a position acquisition unit 44, a retail store extracting unit 46, a customer extracting unit 48, a discount setting unit 50, and an advertisement information providing unit. 52, a sales information receiving unit 54, and an adjustment processing unit 56.

  The retail store attribute holding unit 40 is a storage area that holds attribute information (hereinafter also referred to as “retail store attributes”) regarding each of the plurality of retail stores shown in FIG. 1. The retail store attribute includes information indicating the retail store ID and location. For example, it may be a retail store address or a combination of longitude and latitude indicating the retail store location. Moreover, the information which shows the category of sales goods and the main customer layer may be further included.

  The discount information holding unit 42 is a storage area for holding information related to discount sales of products at each of the plurality of retail stores shown in FIG. 1 (hereinafter also referred to as “discount information”). The discount information includes the ID of a retail store that conducts discount sales, the name of the product to be discounted and its normal price, and the discount amount set by the retail store (hereinafter also referred to as “first discount amount”). Further, it is a discount amount set by the bank, and further includes a discount amount (hereinafter also referred to as “second discount amount”) to be added to the discount amount set by the retail store when the bank is a specific customer. .

  The position acquisition unit 44 receives an acquisition request for advertisement information related to discount sales of products from the portable information terminal 20. In the acquisition request, the consumer ID and information indicating the current position of the portable information terminal 20 are specified. The information indicating the current position may be an address where the mobile information terminal 20 is currently located, or a combination of latitude and longitude. The position acquisition unit 44 acquires information indicating the current position of the portable information terminal 20 from the advertisement information acquisition request data.

  Note that the portable information terminal 20 of FIG. 1 has a GPS (Global Positioning System) function. The portable information terminal 20 determines the current position when a predetermined operation (for example, an operation for acquiring an advertisement) is performed by the user, or periodically determines a current position, and acquires an advertisement information acquisition request to which information indicating the current position is added Is transmitted to the deposit service device 16.

  The retail store extraction unit 46 refers to the retail store attribute of the retail store attribute holding unit 40 and extracts a retail store located near the current position of the portable information terminal 20. For example, a retail store that matches the address indicating the current position of the portable information terminal 20 in the area of the town street may be specified as a nearby retail store. Further, a retail store having a difference between longitude and latitude values within a predetermined value may be specified as a nearby retail store. The customer extraction unit 48 selects a purchaser of a specific financial product (for example, a user of a mortgage or a car loan) among bank customers managed by the customer management device 12 (hereinafter referred to as a target person who adds a discount amount). Also referred to as “discounted additional person”).

  The discount setting unit 50 determines a discount price of a product to be presented to a consumer who has requested advertisement information. Specifically, a price obtained by subtracting the first discount amount in the retail store stored in the discount information holding unit 42 from the normal price of the product in the retail store near the consumer extracted by the retail store extraction unit 46. Determined as the discount price of the product. However, when the consumer is a discount target, in addition to subtracting the first discount amount from the normal price of the product, the price obtained by further subtracting the second discount amount is determined as the discount price of the product. Therefore, the discount amount when the consumer is the discount addition target is the total amount of the first discount amount and the second discount amount, and the discount amount when the consumer is not the discount addition target is equal to the first discount amount.

  The advertisement information providing unit 52 provides the mobile information terminal 20 with advertisement information indicating that a product is sold at a discount in a retail store near the consumer. This advertisement information includes, for example, the name and location of the retail store near the consumer, the name of the product to be discounted, the discount price, and the discount amount. For example, web page data in which advertisement information is described may be transmitted to the portable information terminal 20, and an e-mail in which advertisement information is described may be transmitted to the portable information terminal 20.

  The sales information receiving unit 54 receives the sales information transmitted from the retail store apparatus 18. The adjustment processing unit 56 accesses the account management apparatus 14 to transfer the same amount as the discount amount indicated by the sales information from the consumer's (product purchaser) savings account to the consumer's time deposit account. Execute the process. In other words, the deposit process to the time deposit account is executed using the amount equivalent to the discount amount in the savings account as a source. Note that a certain amount (for example, 50%) of the discount amount may be transferred, and the proportion may be determined in advance between the consumer and the bank.

The operation of the above configuration will be described below.
FIG. 4 is a flowchart showing the operation of the deposit service device 16 of FIG. A consumer on the go accesses the deposit service device 16 using the portable information terminal 20 in order to obtain discount information at a nearby retail store. The portable information terminal 20 transmits data requesting acquisition of advertisement information to the deposit service device 16. When receiving the advertisement information acquisition request (Y in S10), the location acquisition unit 44 of the deposit service device 16 acquires the current location of the consumer from the data of the acquisition request (S12). The retail store extraction unit 46 specifies a retail store located near the current location of the consumer (S14).

  When the consumer is a discount target person (Y in S16), the discount setting unit 50 uses the total amount obtained by adding the discount amount set by the bank to the discount amount set by the retail store as the discount amount of the product. Obtain (S18). If the consumer is not a discount target person (N in S16), the discount amount set by the retail store is acquired as the discount price of the product (S20). The advertisement information providing unit 52 transmits advertisement information data indicating the discount price of the product according to the discount price of the product to the portable information terminal 20 (S22). Thereafter, the consumer confirms the advertisement information, goes to the retail store, and holds the portable information terminal 20 over the wireless communication unit 30 of the retail store apparatus 18, whereby the advertisement information is read into the retail store apparatus 18 and the advertisement information is The product is sold at the discount price shown. If an advertisement information acquisition request has not been received (N in S10), S12 to S22 are skipped.

  When a product is sold at a discount at a retail store, the retail store apparatus 18 transmits sales information indicating the fact to the deposit service apparatus 16. When the sales information receiving unit 54 of the deposit service device 16 receives the sales information (Y in S24), the adjustment processing unit 56 transfers the discount amount equivalent amount from the consumer's ordinary deposit account to the fixed deposit account (S26). If the sales information has not been received (N in S24), S26 is skipped. As described above, the discount amount of the product is the discount amount set by the retailer unless the consumer is eligible for the discount, and if the consumer is the subject of the discount addition, the bank sets the discount amount set by the retailer. The discount amount that has been set is added.

  According to the deposit service system 100 of the first embodiment, there is a merit for all consumers, retail stores, and banks by linking discount sales of products at retail stores and transfers between different accounts at banks. Collaboration between retail stores and banks can be realized. In other words, consumers can purchase products at a low price, retailers can improve their ability to attract customers while reducing advertising costs, and banks can increase the sales volume of financial products with low liquidity. it can.

  Further, according to the deposit service system 100, a bank adds a discount amount to a consumer who has purchased a specific financial product. That is, consumers that are important to the bank can be given more preferential treatment than other consumers, and the addition of the discount amount is a merit for purchasing financial products, so that the competitiveness of financial products can be improved.

(Second Embodiment)
In the second embodiment, a third party independent from both the bank and the retail store operates the deposit service device 16. The deposit service device 16 according to the second embodiment manages partnership relationships between a plurality of retail stores and a plurality of banks. The consumer designates a bank that holds an account to be transferred when purchasing a product. Thus, in 2nd Embodiment, a consumer's convenience is further improved by enabling a consumer to select the bank convenient for self. At the same time, it promotes the participation of multiple banks by adjusting the distribution of profits among banks.

  FIG. 5 shows a configuration of the deposit service system 200 according to the second embodiment. In the description of the second embodiment, the same or corresponding devices as those in the first embodiment are denoted by the same reference numerals. The same applies to the functional blocks in the block diagram. Hereinafter, description of the contents already described in the first embodiment will be omitted as appropriate.

  In the deposit service system 200, the deposit service device 16 is provided in a third party such as a system integrator. A plurality of banks participate in the deposit service system 200, and a customer management device 12, an account management device 14, and a person-in-charge terminal 22 are provided in each bank.

  The person-in-charge terminal 22 is an information processing apparatus operated by a person in charge of a bank, and is information of retail store attributes (hereinafter also referred to as “partnership conditions”) that is a condition for selecting a partner in the bank. The input by the person in charge is accepted and transmitted to the deposit service device 16. As the affiliation conditions, for example, the position (address) of the retail store, the main customer class, the category of the sales product, the name of the discount target product, the discount amount, etc. may be specified.

  Each bank account management apparatus 14 includes the sales information receiving unit 54 and the adjustment processing unit 56 described in the first embodiment, and further includes a fee payment processing unit. The fee payment processing unit specifies the amount specified in the request from the account of the holder specified in the data requesting payment of the fee (hereinafter also referred to as “fee payment request”). Execute the process of paying to the bank.

  FIG. 6 is a block diagram showing a functional configuration of the deposit service device 16 of FIG. The deposit service device 16 according to the second embodiment includes a retail store attribute holding unit 40, a discount information holding unit 42, a position acquisition unit 44, a retail store extraction unit 46, a customer extraction unit 48, and a discount setting unit. 50, an advertisement information providing unit 52, a tie-up condition receiving unit 58, a tie-up relationship setting unit 60, a tie-up relationship holding unit 62, a sales information receiving unit 64, a sales information transfer unit 66, and a fee payment support unit 68. including.

  The tie-up condition receiving unit 58 receives the tie-up condition data transmitted from the bank person in charge terminal 22. The affiliated relationship setting unit 60 refers to the retail store attribute stored in the retail store attribute holding unit 40, and specifies a retail store having an attribute that matches an affiliated condition designated by the bank from a plurality of retail stores. Then, assuming that the identified retail store and the bank are in a partnership relationship, the correspondence relationship between the retail store and the bank is recorded in the partnership holding unit 62. The partnership relationship holding unit 62 is a storage area that holds each bank and a retail store that matches each partnership condition in association with each other.

  As in the first embodiment, the discount setting unit 50 determines a discount price of a product to be presented to a consumer who has requested advertisement information. In the present embodiment, the discount setting unit 50 is not a bank in which a consumer is affiliated with a retail store at the time of product purchase (hereinafter also referred to as an “affiliated bank”), but a bank that is not in an affiliated relationship (hereinafter “ If you specify "non-affiliated bank"), determine the amount of fees that consumers should pay to the affiliated bank. This fee may be a predetermined ratio (for example, 1%) of the normal price of the product, or may be a fixed amount (for example, 100 yen), and may be determined appropriately among consumers, banks, and third party organizations in advance.

  The advertisement information providing unit 52 provides the mobile information terminal 20 with advertisement information indicating the name of the retail store in the vicinity of the consumer and its position, the name of the product to be discounted, the discount price, the discount amount, and the fee when a non-affiliated bank is designated. provide.

  The sales information receiving unit 64 receives the sales information transmitted from the retail store apparatus 18. The sales information includes identification information of a consumer who is a product purchaser, a discount price, a discount amount, and a bank name designated by the consumer. The sales information transfer unit 66 transmits the sales information to the bank account management device 14 designated by the consumer, thereby causing the account management device 14 to execute a transfer process corresponding to the discount amount.

  The commission payment support unit 68 refers to the partnership relationship between the retail store and the bank stored in the partnership holding unit 62, and whether the partner bank of the retail store matches the bank designated by the consumer at the time of product purchase. Determine whether or not. If the retailer's affiliated bank is different from the consumer's designated bank, in other words, if the consumer designates a non-affiliated bank, the fee payment support unit 68 will allow the consumer to pay the prescribed fee to the affiliated bank. Execute the process to support. For example, first, the amount of the fee is specified according to a normal price, a discount price, a discount amount, or the like. Then, a fee payment request for instructing to withdraw the amount of the fee from the consumer's savings account at the consumer's designated bank and deposit it into the affiliated bank of the retail store is sent to the account management device 14 of the consumer's designated bank. Send to.

The operation of the above configuration will be described below.
FIG. 7A is a flowchart showing the operation of the deposit service device 16 of FIG. The person in charge of the bank inputs the tie-up condition with the retail store to the person-in-charge terminal 22, and the person-in-charge terminal 22 transmits the tie-up condition to the deposit service device 16. When the affiliation condition accepting unit 58 of the deposit service device 16 accepts the affiliation condition (Y of S30), the affiliation relationship setting unit 60 identifies a retail store that satisfies the affiliation condition (S32), and the identified retail store and bank are Information indicating that there is a partnership is recorded in the partnership holding unit 62 (S34). If the cooperation condition is not accepted (N in S30), S32 and S34 are skipped.

  Henceforth, the process shown to S36-S46 is the same as that of S10-S20 in the flowchart of FIG. Subsequently, the discount setting unit 50 of the deposit service device 16 determines the amount of a fee that is incurred when a non-affiliated bank is designated by the product purchaser (consumer) (S48). In addition to the discounted price, the advertisement information providing unit 52 transmits advertisement information data indicating the amount of the commission when the non-affiliated bank is designated to the portable information terminal 20 (S50).

  FIG. 7B is also a flowchart showing the operation of the deposit service device 16 of FIG. This figure shows the operation subsequent to FIG. When the sales information receiving unit 64 of the deposit service device 16 receives the sales information (Y in S52), the sales information transfer unit 66 identifies the bank designated by the consumer according to the sales information (S54), and the bank account Sales information is transferred to the management apparatus 14 (S56). Thereby, the transfer process of the amount equivalent to the discount amount between the accounts with different liquidity held by the consumer in the bank is executed. When the consumer designates a non-affiliated bank of the retail store when purchasing the product (Y of S58), the fee payment support unit 68 assists the consumer to pay a predetermined fee to the affiliated bank of the retail store. The process for this is executed (S60). Specifically, data requesting payment of a fee to the partner bank is transmitted to the device of the consumer's designated bank. If a partner bank is designated when purchasing a product (N in S58), S60 is skipped, and if sales information has not been received (N in S52), S54 and subsequent steps are skipped.

  According to the deposit service system 200 of the second embodiment, in addition to the effects achieved by the deposit service system 100 of the first embodiment, the following effects can be obtained. In other words, multiple financial institutions can participate in a collaborative business with retail stores, and each financial institution should efficiently form a partnership with a retail store that satisfies the tie-up conditions established by itself among many retail stores. Can do. For example, a bank can easily form a partnership with a retail store that is strong in the customer target that it is the main target of, and a retail store that sells products that are likely to be of interest to that customer segment.

  Further, according to the deposit service system 200, a consumer, that is, a product purchaser, can freely select a bank (for example, a bank that holds a savings account and a time deposit account) that is convenient for the user from a plurality of banks. This makes it easier for consumers who have an account only at a bank that is not affiliated with the retail store to enjoy the benefits of discount sales by the retail store. In addition, if the retailer's non-partner bank is selected by the consumer, a fee is paid to the retailer's partner bank. This provides banks with incentives to actively enter into partnerships with many retailers, even if the consumer does not choose to enter into partnerships with retailers, even if the bank does not choose.

  The present invention has been described based on the embodiments. This embodiment is an exemplification, and it will be understood by those skilled in the art that various modifications can be made to combinations of the respective constituent elements and processing processes, and such modifications are also within the scope of the present invention. is there.

  A first modification will be described. Although not specifically mentioned in the above-described embodiment, the deposit service device 16 provides the total amount of purchases of financial assets with low liquidity (hereinafter referred to as “savings”) for each consumer. And a storage unit that holds the saving target amount in association with each other. And the information which shows the achievement status of the performance amount with respect to the target amount of savings, for example, the notification part which notifies a consumer's portable information terminal 20 of the amount of unachieved may be further provided. This makes it possible to increase the consumer's willingness to purchase at retail stores participating in the deposit service system, with the achievement of the saving target amount as an incentive.

  A second modification will be described. In the above embodiment, the advertisement information providing unit 52 of the deposit service device 16 distributes the advertisement information to the portable information terminal 20 held by the consumer. As a modified example, advertisement information may be mailed from a bank or a third party to a consumer by direct mail. In this case, the advertisement information providing unit 52 of the deposit service device 16 executes a predetermined process for supporting the sending of the direct mail, such as recording the consumer information as the direct mail destination in a predetermined storage area. May be.

  A third modification will be described. In the above embodiment, the retail store and the bank determine the discount amount for the normal price for the products for discount sale. Of course, as a modification, a discount rate for the normal price may be set. Then, a financial product with low liquidity may be purchased by using an amount according to a discount rate (for example, a discount amount determined by a normal price and a discount rate) in a highly liquid financial product held by a consumer.

  A fourth modification will be described. In the above embodiment, the amount equivalent to the discount amount in the discount sale to the consumer is transferred from the consumer's savings account to the fixed deposit account. As a modified example, the adjustment processing unit 56 may execute a process for causing a consumer to purchase a financial product of a financial institution that has partnered with a retail store by an amount equivalent to a discount amount according to another aspect. For example, when the financial institution is a credit card company, a process for paying the credit company an amount equivalent to the discount amount by installment payment with a specified number of times or revolving payment may be executed. Specifically, access to a credit management company loan management device may be executed to register the installment payment or the revolving payment. Also, if the financial institution is a bank, a process for transferring the amount equivalent to the discount amount to the consumer at a later date, for example, printing the amount equivalent to the discount amount and printing the transfer form to the bank, A shipping process may be executed. Also in this modified example, as already described in the above embodiment, it is possible to realize cooperation between a retail store and a financial institution that is advantageous for any of consumers, retail stores, and financial institutions.

  Any combination of the above-described embodiments and modifications is also useful as an embodiment of the present invention. The new embodiment generated by the combination has the effects of the combined embodiment and modification.

  It should also be understood by those skilled in the art that the functions to be fulfilled by the constituent elements recited in the claims are realized by the individual constituent elements shown in the embodiments and the modified examples or by their linkage.

  DESCRIPTION OF SYMBOLS 16 Deposit service apparatus, 18 Retail store apparatus, 30 Wireless communication part, 32 User information reading part, 34 Sales price determination part, 36 Sales processing part, 38 Sales information notification part, 40 Retail shop attribute holding part, 42 Discount information holding part , 44 position acquisition unit, 46 retail store extraction unit, 48 customer extraction unit, 50 discount setting unit, 52 advertisement information providing unit, 54 sales information receiving unit, 56 adjustment processing unit, 58 affiliation condition reception unit, 60 affiliation relationship setting unit , 62 Partnership holding section, 64 Sales information receiving section, 66 Sales information transfer section, 68 Fee payment support section, 100,200 Deposit service system.

Claims (6)

A financial institution device,
When the goods Te retail shop smell in partnership with the financial institutions has been sold to consumers at a discounted price by subtracting a predetermined discount amount from the price of normal, the sales information including the discount amount of money from the terminal of the retail shop A reception part to accept,
When the sales information is received, a amount of money corresponding to the discount amount of the sales information includes, depending on the discount amount in relative fluidity is high financial products which the consumer previously held in the financial institution amount used as a resource, and an adjustment unit for executing processing for Ru is bought relatively flowable low financial instruments at the financial institution to the consumer,
An information processing apparatus comprising: The information processing apparatus according to claim 1, further comprising a notification unit that executes processing for notifying a consumer that a product is sold at a discount price in the retail store. A retail store attribute holding unit that stores attribute information about each of a plurality of retail stores,
A position acquisition unit that acquires information indicating the current position from an information terminal held by a consumer;
A retail store extraction unit for extracting a retail store in the vicinity of the current position from the plurality of retail stores;
Further comprising
The information processing apparatus according to claim 2 , wherein the notification unit notifies the information terminal that a product is sold at a discount price in the retail store extracted by the retail store extraction unit. The discount amount is a total amount of a discount amount set by the retail store and a discount amount set by the financial institution,
The adjustment unit is a financial product with relatively low liquidity at the financial institution using as a source the amount corresponding to the total amount of financial products with relatively high liquidity held in advance by the consumer at the financial institution . the information processing apparatus according to any one of 3 claims 1, characterized in that performing the processing of Ru was purchased the consumer. A consumer extracting unit for extracting a consumer holding a predetermined financial product in the financial institution as a target for adding a discount amount set by the financial institution to a discount amount set by the retail store; The information processing apparatus according to claim 4 . Information processing equipment at financial institutions
When the goods Te retail shop smell in partnership with the financial institutions has been sold to consumers at a discounted price by subtracting a predetermined discount amount from the price of normal, the sales information including the discount amount of money from the terminal of the retail shop The function to accept,
When the sales information is received, a amount of money corresponding to the discount amount of the sales information includes, depending on the discount amount in relative fluidity is high financial products which the consumer previously held in the financial institution amount of money as funds and a function to perform the processing of the relatively illiquid financial instruments in the financial institutions Ru to purchase to the consumer,
Computer program for realizing.

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