JP7311485B2 - Information processing device, information processing method and information processing program - Google Patents

Description

The present invention relates to an information processing device, an information processing method, and an information processing program.

Conventionally, there has been disclosed a technique related to a minimum balance-linked interest-added ordinary deposit system in which the product features of a time deposit are added to an ordinary deposit.

JP-A-2002-312593

However, in the conventional technology described above, although the interest rate on ordinary deposits can be raised, it depends on the depositor's balance. Currently, interest rates for bank deposit accounts are determined based on market interest rates, and there is no differentiation among banks, limiting the benefits for account holders. If it is possible to set deposit interest rates for bank deposit accounts in conjunction with the business performance of predetermined companies that are related to the bank, it will be possible to differentiate between banks and benefit account holders.

The present application has been made in view of the above, and an object of the present application is to set a deposit interest rate for a deposit account of a bank in conjunction with the business performance of a predetermined company related to the bank.

An information processing apparatus according to the present application includes a management unit that manages information on financial products related to a predetermined company held by a financial institution, an acquisition unit that acquires information on investment profits of the financial products related to the predetermined company, and the predetermined a setting unit that changes the deposit interest rate of the deposit account of the financial institution in conjunction with an increase or decrease in the investment profit of the financial product based on the information on the investment profit of the financial product related to the company.

According to one aspect of an embodiment, a deposit rate for a bank deposit account can be set in conjunction with the performance of a given company associated with the bank.

FIG. 1 is an explanatory diagram showing an outline of an information processing method according to an embodiment. FIG. 2 is a diagram illustrating a configuration example of an information processing system according to the embodiment; FIG. 3 is a diagram illustrating a configuration example of a financial institution server according to the embodiment; FIG. 4 is a diagram showing an example of a user information database. FIG. 5 is a diagram showing an example of a financial product information database. FIG. 6 is a flow chart showing a processing procedure according to the embodiment. FIG. 7 is a diagram illustrating an example of a hardware configuration;

Embodiments for implementing an information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. The information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. Also, in the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. Outline of information processing method]
First, an outline of an information processing method performed by an information processing apparatus according to an embodiment will be described with reference to FIG. FIG. 1 is an explanatory diagram showing an outline of an information processing method according to an embodiment. In FIG. 1, an example will be described in which a deposit interest rate for a deposit account of a bank is set in conjunction with the business performance of a predetermined company related to the bank.

As shown in FIG. 1, information processing system 1 includes terminal device 10 and financial institution server 100 . The terminal device 10 and the financial institution server 100 are connected to communicate with each other by wire or wirelessly via a network N (see FIG. 2).

The terminal device 10 is a smart device such as a smartphone or tablet used by a user U (user), and communicates with an arbitrary server device via a wireless communication network such as 4G (Generation) or LTE (Long Term Evolution). It is a portable terminal device capable of performing The terminal device 10 has a screen such as a liquid crystal display, which has a touch panel function. Accepts various operations. An operation performed on an area where content is displayed on the screen may be an operation on the content. In addition, the terminal device 10 may be an information processing device such as a desktop PC (Personal Computer) or a notebook PC as well as a smart device. In this embodiment, the user U is, for example, a bank depositor.

The financial institution server 100 is an information processing device used by a bank, for example, to set a deposit interest rate for a bank account in conjunction with the business performance of a predetermined company related to the bank. Realized. Specifically, when a bank purchases corporate bonds of a predetermined company, the financial institution server 100 uses the interest paid according to the interest coupon (interest coupon) attached to the interest-bearing bonds such as corporate bonds as a source of funds for ordinary deposits in the bank. Set a high interest rate for the account (even a fixed deposit account is acceptable). The interest on corporate bonds is determined according to the interest rate level at the time of issuance of the corporate bonds and the creditworthiness of the issuer (companies, etc.). As a result, depositors can become high-interest deposits without taking risks and increase their money with peace of mind. Banks will be able to increase the number of depositors and deposit balances, and companies will be able to raise funds.

Financial products include not only corporate bonds (bonds) but also stocks (stock certificates, stocks). The financial institution server 100 may change the interest rate of the ordinary deposit account in conjunction with the increase or decrease in investment profit of financial products. In addition, banks may procure financial products such as corporate bonds and stocks from financial markets such as stock markets, or may purchase them directly from companies. Also, the predetermined company is preferably a company that has some sort of relationship with the bank, such as a company that belongs to the same company group as the bank, or a company that has a business relationship, capital relationship, or alliance relationship with the bank. Also, the predetermined company is not limited to one company, and may be a plurality of companies. That is, the investment profit of a financial product may be the total amount of bond interest of a plurality of companies. Moreover, it is not limited to a company, and may be another organization or the like. Banks are just one example of financial institutions. In practice, it may be a financial institution other than a bank in which the user can have an account.

In this embodiment, the financial institution server 100 sets interest rates based on interest coupons of corporate bonds purchased by banks and stock dividends. For example, the financial institution server 100 calculates a deposit interest rate (ordinary, term, etc.) based on the amount obtained with an interest coupon or the stock dividend amount. The financial institution server 100 calculates the interest rate at the time of issuing the corporate bond in the case of the interest coupon of the corporate bond. In the case of a stock dividend, the interest rate is calculated after the dividend amount is determined. The timing at which dividends are determined varies from company to company, such as once or twice a year. Interest rates will change over time.

Note that interest coupons or stock dividends fluctuate according to the performance and evaluation of the company, so if a high interest rate or dividend is obtained, it will be possible to set the ordinary deposit interest rate accordingly. In other words, the interest rate on deposits is an interest rate that is indirectly linked to corporate performance. Moreover, the financial institution server 100 may link the deposit interest rate with the stock price.

When a predetermined company and a bank belong to the same group of companies, the company is able to procure funds stably. In other words, group synergy works. Group synergy is a synergistic effect obtained by collaborating with other companies within a group.

Also, the financial institution server 100 may give benefits to users of electronic payment services provided by payment business operators within the same group as the bank or company, for example. For example, the financial institution server 100 gives interest to the electronic settlement balance. Further, the financial institution server 100 may set a higher interest rate for heavy users of electronic payment (many times of use, large amount of money used). As a result, if the number of electronic payment users increases, it will be possible to guide users to bank borrowing services that can be applied for from electronic payment applications, which is advantageous for banks.

[1-1. basic action〕
For example, as shown in FIG. 1, a user U deposits money into his/her bank account (step S1). For example, the user U deposits money into an account of the bank from an ATM (Automated Teller Machine) such as a bank or a convenience store or a bank counter. Alternatively, the user U uses the terminal device 10 to deposit money from another bank's account to the bank's account by internet banking or the like.

Subsequently, financial institution server 100 manages the account of user U (step S2). For example, the financial institution server 100 manages the deposit/withdrawal, remittance, etc. of the user U's account. The financial institution server 100 increases the account balance of the user U by the deposited amount. On the contrary, the account balance of the user U is reduced by the amount of money withdrawn. In addition, the financial institution server 100 adds interest according to the deposit interest rate (interest rate) to the account balance of the user U at a predetermined timing.

Subsequently, the financial institution server 100 manages the number of units of corporate bonds held by the bank (step S3). For example, as shown in FIG. 1, a bank, which is a financial institution within the same corporate group as the company, purchases corporate bonds issued by the company. At this time, the financial institution server 100 increases the number of units of the corporate bond by the amount purchased by the bank. In practice, the financial institution server 100 may manage not only the number of units of corporate bonds but also the number of stocks.

Subsequently, the financial institution server 100 manages the investment profit (interest amount) of the corporate bonds held by the bank (step S4). For example, a company that has issued corporate bonds pays interest on the bonds to the bank, which is the bond holder, on a fixed date every year. At this time, the financial institution server 100 records the total amount of corporate bond interest received by the bank according to the number of units of corporate bonds held, as investment profits on the corporate bonds. Incidentally, in practice, the financial institution server 100 may manage stock dividends as well as corporate bond interest.

Subsequently, the financial institution server 100 sets/changes the deposit interest rate according to the investment profit (interest amount) of the corporate bonds held by the bank (step S5). In this embodiment, the financial institution server 100 sets a high deposit interest rate based on the corporate bond interest paid to the bank. For example, the financial institution server 100 calculates the deposit interest rate based on the interest amount received by the bank, and sets the calculated deposit interest rate as the deposit interest rate of the deposit account. At this time, the financial institution server 100 may set a uniform deposit interest rate for all depositors of the deposit account, or may set a deposit interest rate according to the preferential treatment (privilege stage) of the depositor of the deposit account. good too. Incidentally, in practice, the financial institution server 100 may set or change the deposit interest rate according to not only the interest amount of the corporate bond but also the dividend of the stock.

The deposit interest rate should not be lower (negative) than usual. At this time, when calculating the deposit interest rate based on the interest amount of the corporate bond, the financial institution server 100 calculates the addition of the deposit interest rate according to the interest amount received by the bank, and calculates the normal deposit interest rate (base interest rate or The interest rate added to the applicable interest rate) may be set as the interest rate for the deposit account. Further, the financial institution server 100 may change the additional deposit interest rate according to the depositor's preferential benefit (privilege stage).

The timing at which the amount of interest on corporate bonds and dividends on stocks are determined varies depending on the issuer company, such as once or twice a year, so the financial institution server 100 changes the interest rate at that timing. It should be noted that, in practice, the timing at which the investment profit of the financial product is determined and the timing at which the deposit interest rate is changed may not be the same timing. For example, the financial institution server 100 may change the deposit interest rate at any timing after the investment profit of the financial product is determined.

Subsequently, the financial institution server 100 provides information on deposit interest rates via the network N (see FIG. 2) (step S6). For example, the financial institution server 100 displays the deposit interest rate together with the name of the related company (the name of the company from which the bank purchased the corporate bond, etc.) on the interest rate guide page for the user. In addition, the timing of the next interest rate review may also be posted.

As a result, banks can increase the number of depositors by showing them that the investment profits of specific companies are linked to deposit interest rates. Also, depositors are concerned about corporate performance and try to increase or decrease the amount of deposits in banks (such as increasing the amount of deposits thinking that interest rates are likely to rise in the future, so they should keep deposits). may come out.

[2. Configuration example of information processing system]
Next, the configuration of the information processing system 1 including the financial institution server 100 according to the embodiment will be described using FIG. FIG. 2 is a diagram showing a configuration example of the information processing system 1 according to the embodiment. As shown in FIG. 2, the information processing system 1 according to the embodiment includes a terminal device 10 and a financial institution server 100. As shown in FIG. These various devices are communicatively connected via a network N by wire or wirelessly. The network N is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet.

Also, the number of devices included in the information processing system 1 shown in FIG. 2 is not limited to the illustrated one. For example, in FIG. 2, only one terminal device 10 is shown for simplification of illustration, but this is only an example and is not limited, and two or more devices may be provided.

The terminal device 10 is an information processing device used by the user U. FIG. For example, the terminal device 10 may be a smart device such as a smartphone or a tablet terminal, a feature phone, a PC (Personal Computer), a PDA (Personal Digital Assistant), a game machine with a communication function, a car navigation system, a smart watch, or a head-mounted display. and other wearable devices, smart glasses, and the like.

In addition, the terminal device 10 is compatible with wireless communication networks such as LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation: fifth generation mobile communication system), Bluetooth (registered trademark), wireless LAN (Local It is possible to connect to the network N via short-range wireless communication such as Area Network) and communicate with the financial institution server 100 .

The financial institution server 100 is, for example, a PC, a server device, a mainframe, a workstation, or the like. Note that the financial institution server 100 may be realized by cloud computing.

[3. Configuration example of information processing device]
Next, the configuration of the financial institution server 100 according to the embodiment will be described using FIG. FIG. 3 is a diagram showing a configuration example of the financial institution server 100 according to the embodiment. As shown in FIG. 3, the financial institution server 100 has a communication section 110, a storage section 120, and a control section .

(Communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. Also, the communication unit 110 is connected to the network N (see FIG. 2) by wire or wirelessly.

(storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 3, storage unit 120 has user information database 121 and financial product information database 122 .

(User information database 121)
The user information database 121 stores various information about the user U. FIG. For example, the user information database 121 stores various information such as user U attributes. FIG. 4 is a diagram showing an example of the user information database 121. As shown in FIG. In the example shown in FIG. 4, the user information database 121 includes "user ID (Identifier)", "age", "sex", "home", "work location", "account balance", and "deposit interest rate". It has items such as

“User ID” indicates identification information for identifying the user U. For example, the user ID may be a bank account number or the like. "Age" indicates the age of the user U identified by the user ID. Note that the “age” may be a specific age of the user U identified by the user ID, such as 35 years old. "Gender" indicates the gender of the user U identified by the user ID.

"Home" indicates location information of the home of the user U identified by the user ID. In the example shown in FIG. 4, "home" is represented by an abstract code such as "LC11", but may be latitude/longitude information or the like. Also, for example, "home" may be an area name or an address.

"Place of work" indicates location information of the place of work (school in the case of a student) of the user U identified by the user ID. In the example shown in FIG. 4, "place of work" is illustrated as an abstract code such as "LC12", but may be latitude/longitude information or the like. Also, for example, the "place of work" may be an area name or an address.

"Account balance" indicates the balance of the bank account of user U identified by the user ID. "Deposit interest rate" indicates the interest rate of the savings account of user U identified by the user ID.

For example, in the example shown in FIG. 4, the age of the user U identified by the user ID "U1" is "twenties" and the gender is "male". Also, for example, the user U identified by the user ID "U1" indicates that the home is "LC11". Also, for example, the user U identified by the user ID "U1" indicates that the place of work is "LC12". Also, for example, it indicates that "account balance #1" is deposited in the deposit account of user U identified by user ID "U1", and "deposit interest rate #1" is applied.

Here, in the example shown in FIG. 4, abstract values such as "U1", "LC11", "LC12", "account balance #1", and "deposit interest rate #1" are used, but "U1" , “LC11”, “LC12”, “account balance #1”, and “deposit interest rate #1” store information such as specific character strings and numerical values. Hereinafter, abstract values may also be illustrated in diagrams relating to other information.

The user information database 121 is not limited to the above, and may store various types of information depending on the purpose. For example, the user information database 121 may store information relating to user U's preferential benefits. The preferential benefit is a preferential benefit prepared by the bank, and varies depending on whether transaction conditions specified by the bank, such as the balance of the user U's deposit account (ordinary deposit, time deposit), borrowing, etc., are satisfied. In addition, the user information database 121 stores user U's demographics (demographic attributes), psychographics (psychological attributes), geographics (geographical attributes), behavioral attributes (behavioral attributes), etc. Information about attributes may be stored. For example, the user information database 121 includes name, family structure, hometown (local), occupation, position, income, qualification, residence type (detached house, condominium, etc.), presence or absence of car, commuting time, commuting time, commuting time. Information such as routes, commuter pass sections (stations, lines, etc.), frequently used stations (other than the nearest station to your home or place of work), lessons (places, time zones, etc.), hobbies, interests, lifestyle, etc. may

(Financial product information database 122)
The financial product information database 122 stores various information related to financial products held by financial institutions. FIG. 5 is a diagram showing an example of the financial product information database 122. As shown in FIG. In the example shown in FIG. 5, the financial product information database 122 has items such as "financial institution ID", "financial product ID", "holding number", and "management profit".

"Financial institution ID" indicates identification information for identifying a financial institution such as a bank. For example, the financial institution ID may be a financial institution code, bank code, branch code, branch number, branch number, or the like. "Financial product ID" indicates identification information for identifying financial products such as bonds and stocks held by financial institutions such as banks. For example, the financial product ID may be a security code or the like. "Number of holdings" indicates the number of holdings of financial instruments such as bonds and stocks held by financial institutions such as banks (the number of units of corporate bonds and the number of shares of stocks). "Investment profit" indicates the investment profit of financial products such as bond interest and stock dividends.

For example, in the example shown in FIG. 5, the financial institution identified by "financial institution #A" holds the financial product identified by "financial product #A1" by "holding number #A1", #A1” profit.

Here, in the example shown in FIG. 5, abstract values such as "financial institution #A", "financial product #A1", "holding number #A1", and "management profit #A1" are used, but " Financial institution #A", "financial product #A1", "holding number #A1", and "management profit #A1" store information such as specific character strings and numerical values. Hereinafter, abstract values may also be illustrated in diagrams relating to other information.

Note that the financial product information database 122 may store various types of information, not limited to the above, depending on the purpose. For example, the financial product information database 122 may store information on trading prices (bond prices, stock prices) of financial products. In addition, the financial product information database 122 may store information on companies that issue financial products.

(control unit 130)
Returning to FIG. 3, the description is continued. The control unit 130 is a controller, and for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array) or the like controls the financial institution server 100. Various programs (corresponding to an example of an information processing program) stored in the internal storage device are executed by using a storage area such as a RAM as a work area. In the example shown in FIG. 3 , the control unit 130 has an acquisition unit 131 , a management unit 132 and a setting unit 133 .

(Acquisition unit 131)
The acquisition unit 131 acquires information on financial products related to a predetermined company purchased by a financial institution. In addition, the acquisition unit 131 acquires information on investment profit of financial products related to a predetermined company owned by a financial institution. Then, the acquisition unit 131 registers in the financial product information database 122 of the storage unit 120 . The predetermined company is a company belonging to the same group as the financial institution.

For example, a financial product relating to a given company is a corporate bond issued by the given company. In this case, the investment profit of the financial instrument relating to the given company is the bond interest of the given company.

Alternatively, the financial instrument for a given company is stock of the given company. In this case, the investment profit of the financial product relating to the given company is the stock dividend of the given company.

At this time, the acquisition unit 131 may acquire various information about the user U who is the depositor from the terminal device 10 or various servers through the communication unit 110 . For example, the acquisition unit 131 acquires information indicating the user U (user ID, etc.), location information of the user U, attribute information of the user U, and the like. In addition, the acquisition unit 131 acquires various types of history information (log data) indicating actions of the user U from various servers and the like via the communication unit 110 . Acquisition unit 131 then registers in user information database 121 of storage unit 120 . The predetermined company may be selected based on the attribute information and history information of the user U who is the depositor.

(Management unit 132)
The management unit 132 manages deposit accounts of financial institutions. For example, the management unit 132 manages deposits/withdrawals, remittances, and the like of the account of the user U who is a depositor. Then, the management unit 132 registers in the user information database 121 of the storage unit 120 .

In addition, the management unit 132 manages information on financial products related to predetermined companies held by financial institutions. For example, the management unit 132 manages the number of financial instruments owned by a financial institution through trading of financial instruments related to a predetermined company.

In addition, the management unit 132 determines whether or not all financial products related to a predetermined company held by the financial institution have been sold (converted into money). That is, the management unit 132 determines whether or not the financial institution has released all the financial products relating to the predetermined company.

In addition, the management unit 132 manages information on investment profits of financial products related to predetermined companies owned by financial institutions. In addition, the management unit 132 manages various information regarding the user U who is the depositor.

(Setting unit 133)
The setting unit 133 sets a deposit interest rate for a deposit account of a financial institution based on the investment profit of financial products relating to a predetermined company. Acquisition unit 131 registers in user information database 121 of storage unit 120 of storage unit 120 .

For example, the setting unit 133 calculates the deposit interest rate of the deposit account of the financial institution based on the investment profit of financial products related to a predetermined company, and sets the calculated deposit interest rate. Alternatively, the setting unit 133 calculates the additional amount of the deposit interest rate of the deposit account of the financial institution based on the investment profit of the financial product related to the predetermined company, and sets the deposit interest rate to which the calculated additional amount is added. That is, the setting unit 133 has a calculation unit 134 that calculates the deposit interest rate (or the addition amount thereof) of the deposit account of the financial institution based on the investment profit of financial products related to a predetermined company.

Further, the setting unit 133 changes the deposit interest rate of the deposit account of the financial institution according to the fluctuation of the investment profit of the financial product related to the predetermined company. That is, the setting unit 133 has a changing unit 135 that changes the deposit interest rate of the deposit account of the financial institution.

The setting unit 133 may uniformly set deposit interest rates for all depositors of deposit accounts of financial institutions based on investment profits of financial products related to a predetermined company. Alternatively, the setting unit 133 may set a deposit interest rate according to a preferential treatment for a depositor of a deposit account of a financial institution based on the investment profit of a financial product related to a predetermined company.

Further, when all the financial products related to a predetermined company held by the financial institution are sold, the setting unit 133 changes the deposit interest rate of the deposit account of the financial institution to the normal deposit interest rate (base interest rate or applied interest rate). That is, the setting unit 133 restores the deposit interest rate that is calculated and set based on the investment profit of the financial product related to the predetermined company. Alternatively, the setting unit 133 sets 0 to the addition of the deposit interest rate calculated based on the investment profit of the financial product related to the predetermined company. It should be noted that if all financial products are sold, the subsequent addition of the deposit interest rate will be 0 even if calculated.

In addition, the setting unit 133 sets and changes, via the communication unit 110, for depositors and an unspecified number of persons (such as applicants for deposits) according to fluctuations in the investment profit of financial products related to a predetermined company. Provides information on deposit interest rates for deposit accounts at financial institutions. For example, the setting unit 133 displays the deposit interest rate together with the name of the related company (the name of the company from which the bank purchased the corporate bond, etc.) on the interest rate information page for the user. Furthermore, the setting unit 133 may also display the timing of the next interest rate review. In addition, the setting unit 133 may push the information about the deposit interest rate to the terminal devices 10 of depositors and pre-registered users. That is, the setting unit 133 has a providing unit 136 that provides information on the deposit interest rate of the deposit account of the financial institution.

[4. Processing procedure]
Next, a processing procedure by the financial institution server 100 according to the embodiment will be described with reference to FIG. FIG. 6 is a flow chart showing a processing procedure according to the embodiment. Note that the processing procedure described below is repeatedly executed by the control unit 130 of the financial institution server 100 .

As shown in FIG. 6, the acquiring unit 131 of the financial institution server 100 acquires information on the number of units of corporate bonds of group companies purchased by the bank when the bank buys and sells corporate bonds of group companies. Then, the management unit 132 of the financial institution server 100 manages information on the number of units of corporate bonds of companies within the group held by the bank (step S101).

Subsequently, the acquisition unit 131 of the financial institution server 100 acquires information on corporate bond interest of companies within the group held by the bank. Then, the management unit 132 of the financial institution server 100 manages information relating to the corporate bond interest of the companies within the group owned by the bank (step S102).

Subsequently, the setting unit 133 (calculation unit 134) of the financial institution server 100 calculates the deposit interest rate of the deposit account of the bank based on the corporate bond interest rate of the group companies owned by the bank (step S103). At this time, the setting unit 133 (calculating unit 134) may calculate the added amount of the deposit interest rate of the deposit account of the bank based on the corporate bond interest rate of the company within the group held by the bank.

Subsequently, the setting unit 133 (change unit 135) of the financial institution server 100 sets/changes the deposit interest rate of the bank's deposit account calculated based on the corporate bond interest rate of the group companies owned by the bank (step S104). At this time, the setting unit 133 may be set so as to add to the deposit interest the addition of the deposit interest of the bank's deposit account calculated based on the corporate bond interest of the group companies held by the bank. good. If the deposit interest rate for the bank account of the bank has already been set, the setting unit 133 (change unit 135) changes the default deposit interest rate to the newly calculated deposit interest rate.

Subsequently, the setting unit 133 (providing unit 136) of the financial institution server 100 provides depositors, deposit applicants, etc. with investment profits of financial products related to a predetermined company via the network N (see FIG. 2). Information on the deposit interest rate of the originally set deposit account of the financial institution is provided (step S105). For example, the setting unit 133 (providing unit 136) displays the deposit interest rate together with the name of the related company (such as the name of the company from which the bank purchased the corporate bond) on the interest rate information page for the user. Furthermore, the setting unit 133 (providing unit 136) may also display the timing of the next interest rate review.

Subsequently, the management unit 132 of the financial institution server 100 determines whether or not all corporate bonds of companies within the group held by the bank have been sold (step S106). For example, the management unit 132 monitors an increase or decrease in the number of corporate bonds due to the trading of corporate bonds of companies within the group held by the bank, and when the number of units of corporate bonds becomes 0, the bank sells all the corporate bonds of the companies within the group. I judge.

Subsequently, the setting unit 133 (change unit 135) of the financial institution server 100, when all the corporate bonds of the companies in the group held by the bank are sold (step S106; Yes), the deposit interest rate of the deposit account of the bank (initialize) (step S107). That is, the setting unit 133 (change unit 135) changes the deposit interest rate of the bank deposit account calculated based on the corporate bond interest rate to the normal deposit interest rate (base interest rate or applied interest rate). The timing of restoring the deposit interest rate of the bank account may be the timing of calculating the next deposit interest rate. At this time, the setting unit 133 (providing unit 136) of the financial institution server 100 provides the depositor, the applicant for deposit, etc. with information regarding the initialization of the deposit interest rate via the network N (see FIG. 2). may

[5. Modification]
The terminal device 10 and the financial institution server 100 described above may be embodied in various forms other than the above embodiment. So, below, the modification of embodiment is demonstrated.

In the above embodiments, corporate bonds issued by companies are described as examples, but in reality, bonds other than corporate bonds may be used. That is, any bond that bears interest (interest-bearing bond) may be used.

Further, in the above-described embodiments, the investment profit of financial instruments is not limited to interest on corporate bonds and stock dividends, and may be profits on sales of corporate bonds and stocks. That is, the investment profit of a financial product is not limited to income gain, and may be capital gain.

Also, in the above embodiments, the deposit interest rate may be linked to the bond amount or stock price. For example, the financial institution server 100 may link the deposit interest rate of the user U to the bond amount or stock price. Alternatively, the financial institution server 100 may link the deposit interest rate (or its addition) calculated based on the corporate bond interest rate or stock dividend to the bond amount or stock price.

[6. effect〕
As described above, the information processing apparatus (financial institution server 100) according to the present application includes the management unit 132 that manages investment profits of financial products related to a predetermined company owned by the financial institution, and a setting unit 133 for setting the deposit interest rate of the deposit account of the financial institution based on the profit.

For example, the predetermined company is a company belonging to the same group as the financial institution.

For example, a financial product relating to a given company is a corporate bond issued by the given company. Then, the investment profit of the financial product relating to the specified company is the bond interest of the specified company.

Alternatively, the financial instrument for a given company is stock of the given company. And the investment profit of the financial product related to the specified company is the stock dividend of the specified company.

Also, the setting unit 133 calculates the deposit interest rate of the deposit account of the financial institution based on the investment profit of the financial product related to the predetermined company, and sets the calculated deposit interest rate.

Alternatively, the setting unit 133 calculates the additional amount of the deposit interest rate of the deposit account of the financial institution based on the investment profit of the financial product related to the predetermined company, and sets the deposit interest rate to which the calculated additional amount is added.

Further, the setting unit 133 changes the deposit interest rate of the deposit account of the financial institution according to the fluctuation of the investment profit of the financial product related to the predetermined company.

For example, the setting unit 133 uniformly sets deposit interest rates for all depositors of deposit accounts of financial institutions based on investment profits of financial products related to a predetermined company.

Alternatively, the setting unit 133 sets a deposit interest rate according to a preferential treatment for a depositor of a deposit account of a financial institution based on the investment profit of a financial product related to a predetermined company.

In addition, the setting unit 133 provides, via the network N (see FIG. 2), information on the deposit interest rate of the deposit account of the financial institution set based on the investment profit of the financial product relating to the predetermined company.

At this time, the setting unit 133 provides the information about the predetermined company and the information about the deposit interest rate of the deposit account of the financial institution.

In addition, the setting unit 133 initializes the set deposit interest rate when the financial institution sells all financial products related to a predetermined company.

By any one or a combination of the processes described above, the information processing apparatus according to the present application can set the deposit interest rate of the bank deposit account in conjunction with the business performance of a predetermined company related to the bank. For example, an information processing apparatus according to the present application sets a deposit interest rate for a bank deposit account according to the operational status of financial products relating to a predetermined company. Specifically, it is possible to purchase corporate bonds of a company at a bank and use the interest paid based on the interest coupon as a source of funds to set a high interest rate for a savings account at the bank. As a result, depositors can become high-interest deposits without taking risks and increase their money with peace of mind. Banks will be able to increase the number of depositors and deposit balances, and companies will be able to raise funds. In addition, financial products include stocks, etc., and it is possible to change interest rates in conjunction with increases and decreases in investment profits.

[7. Hardware configuration]
Also, the terminal device 10 and the financial institution server 100 according to the above-described embodiments are implemented by a computer 1000 configured as shown in FIG. 7, for example. The financial institution server 100 will be described below as an example. FIG. 7 is a diagram illustrating an example of a hardware configuration; The computer 1000 is connected to an output device 1010 and an input device 1020, and an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output I/F (Interface) 1060, an input I/F 1070, and a network I/F 1080 are buses. It has a form connected by 1090.

Arithmetic device 1030 operates based on programs stored in primary storage device 1040 and secondary storage device 1050, programs read from input device 1020, and the like, and executes various types of processing. The arithmetic unit 1030 is implemented by, for example, a CPU (Central Processing Unit), MPU (Micro Processing Unit), ASIC (Application Specific Integrated Circuit), FPGA (Field Programmable Gate Array), or the like.

The primary storage device 1040 is a memory device such as a RAM (Random Access Memory) that temporarily stores data used for various calculations by the arithmetic device 1030 . The secondary storage device 1050 is a storage device in which data used for various calculations by the arithmetic device 1030 and various databases are registered. State Drive), flash memory, or the like. The secondary storage device 1050 may be an internal storage or an external storage. Also, the secondary storage device 1050 may be a removable storage medium such as a USB memory or an SD (Secure Digital) memory card. Also, the secondary storage device 1050 may be a cloud storage (online storage), a NAS (Network Attached Storage), a file server, or the like.

The output I/F 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various information such as a display, a projector, and a printer. (Digital Visual Interface), HDMI (registered trademark) (High Definition Multimedia Interface), and other standardized connectors. Also, the input I/F 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, keypad, buttons, scanner, etc., and is realized by, for example, USB.

Also, the output I/F 1060 and the input I/F 1070 may be wirelessly connected to the output device 1010 and the input device 1020, respectively. That is, the output device 1010 and the input device 1020 may be wireless devices.

Also, the output device 1010 and the input device 1020 may be integrated like a touch panel. In this case, the output I/F 1060 and the input I/F 1070 may also be integrated as an input/output I/F.

Note that the input device 1020 includes, for example, optical recording media such as CDs (Compact Discs), DVDs (Digital Versatile Discs), PDs (Phase change rewritable discs), magneto-optical recording media such as MOs (Magneto-Optical discs), and tapes. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like.

Network I/F 1080 receives data from other devices via network N and sends the data to arithmetic device 1030, and also transmits data generated by arithmetic device 1030 via network N to other devices.

Arithmetic device 1030 controls output device 1010 and input device 1020 via output I/F 1060 and input I/F 1070 . For example, arithmetic device 1030 loads a program from input device 1020 or secondary storage device 1050 onto primary storage device 1040 and executes the loaded program.

For example, when computer 1000 functions as financial institution server 100 , computing device 1030 of computer 1000 implements the functions of control unit 130 by executing a program loaded on primary storage device 1040 . Further, arithmetic device 1030 of computer 1000 may load a program acquired from another device via network I/F 1080 onto primary storage device 1040 and execute the loaded program. Further, the arithmetic unit 1030 of the computer 1000 may cooperate with another device via the network I/F 1080, and call functions, data, etc. of the program from another program of the other device for use.

[8. others〕
Although the embodiments of the present application have been described above, the present invention is not limited by the contents of these embodiments. In addition, the components described above include those that can be easily assumed by those skilled in the art, those that are substantially the same, and those within the so-called equivalent range. Furthermore, the components described above can be combined as appropriate. Furthermore, various omissions, replacements, or modifications of components can be made without departing from the gist of the above-described embodiments.

Further, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, or the processes described as being performed manually can be performed manually. All or part of this can also be done automatically by known methods. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the illustrated one, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

For example, the financial institution server 100 described above may be implemented by a plurality of server computers, and depending on the function, may be implemented by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like. can be changed flexibly.

Also, the above-described embodiments and modifications can be appropriately combined within a range that does not contradict the processing content.

Also, the above-mentioned "section, module, unit" can be read as "means" or "circuit". For example, the acquisition unit can be read as acquisition means or an acquisition circuit.

1 information processing system 10 terminal device 100 financial institution server 110 communication unit 120 storage unit 121 user information database 122 financial product information database 130 control unit 131 acquisition unit 132 management unit 133 setting unit

Claims (14)

a management department that manages information on financial products related to a given company held by a financial institution;
an acquisition unit that acquires information about the investment profit of the financial product related to the predetermined company;
a setting unit that changes the deposit interest rate of the deposit account of the financial institution in conjunction with the increase or decrease in the investment profit of the financial product based on the information on the investment profit of the financial product related to the predetermined company;
An information processing device comprising: 2. The information processing apparatus according to claim 1, wherein said predetermined company is a company belonging to the same group as said financial institution. the financial instruments relating to the prescribed company are corporate bonds issued by the prescribed company;
3. The information processing apparatus according to claim 1, wherein the investment profit of said financial product relating to said predetermined company is interest on corporate bonds of said predetermined company. the financial instrument related to the prescribed company is stock of the prescribed company;
4. The information processing apparatus according to any one of claims 1 to 3, wherein the investment profit of said financial product relating to said predetermined company is a stock dividend of said predetermined company. The setting unit calculates a deposit interest rate for a deposit account of the financial institution based on the investment profit of the financial product relating to the predetermined company, and sets the calculated deposit interest rate. 5. The information processing apparatus according to any one of 4. The setting unit calculates a deposit interest rate addition for a deposit account of the financial institution based on the investment profit of the financial product relating to the predetermined company, and sets the deposit interest rate to which the calculated addition amount is added. The information processing apparatus according to any one of claims 1 to 5, characterized by: Any one of claims 1 to 6, wherein the setting unit changes the deposit interest rate of the deposit account of the financial institution according to fluctuations in the investment profit of the financial product relating to the predetermined company. The information processing device according to . The setting unit uniformly sets the deposit interest rate of all depositors of the deposit account of the financial institution based on the investment profit of the financial product related to the predetermined company. The information processing device according to any one of the above. 9. The setting unit sets a deposit interest rate according to a preferential treatment for a depositor of a deposit account of the financial institution based on the investment profit of the financial product relating to the predetermined company. The information processing apparatus according to any one of 2. The setting unit provides, via a network, information about the deposit interest rate of the deposit account of the financial institution set based on the investment profit of the financial product relating to the predetermined company. 10. The information processing device according to any one of 10 to 9. 11. The information processing apparatus according to claim 10, wherein said setting unit provides information on said predetermined company and information on a deposit interest rate of a deposit account of said financial institution. 12. The setting unit according to any one of claims 1 to 11, wherein the setting unit initializes the set deposit interest rate when the financial institution sells all of the financial products related to the predetermined company. information processing equipment. An information processing method executed by an information processing device,
a management process for managing information on financial instruments related to a given company held by a financial institution;
an acquisition step of acquiring information about the investment profit of the financial product relating to the predetermined company;
a setting step of changing the deposit interest rate of the deposit account of the financial institution in conjunction with an increase or decrease in the investment profit of the financial product based on the information regarding the investment profit of the financial product relating to the predetermined company;
An information processing method comprising: a management procedure for managing information on financial instruments relating to a given company held by a financial institution;
an acquisition procedure for acquiring information about the investment profit of the financial product relating to the predetermined company;
A setting procedure for changing the deposit interest rate of the deposit account of the financial institution in conjunction with the increase or decrease in the investment profit of the financial product based on the information on the investment profit of the financial product related to the predetermined company;
An information processing program for executing a computer.

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