JPH10222581A - Financial information mediation processor and recording medium storing its program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To select various financial information that is provided by many financial institutions in accordance with the taste of a consumer (user) in a financial information mediation processor. SOLUTION: A financial information processing means 11 acquires financial information from financial institutions 20 and stores it in a financial information storing means 12, and a user information processing means 14 acquires taste information from a user and stores it in a user information storing means 15. When a user's terminal 30 makes a product selection request, a request processing means 13 acquires taste information of the user from the means 15 through the means 14 and acquires corresponding financial product information of a corresponding financial institution from the means 12 through the means 11 based on the taste information. Thereby, financial information that satisfy the user's intention are collected among much financial information which exist over plural financial institutions 20.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial information intermediary processing apparatus, and more particularly, to online support of selection of a large number of financial information provided by a plurality of financial institutions in accordance with the preferences of consumers (users). The present invention relates to a financial information mediation processing device.

[0002] In recent years, with the spread of personal computer communication and the Internet, the functional form of online systems has changed significantly. In such a situation, a consumer selects and purchases a product that suits his / her taste from a vast amount of product information provided through an online system. The same applies to financial products provided by financial institutions. Not only are there many similar financial products, but also because of the relaxation of the financial system, many products from around the world and new products are on the market. When a consumer purchases a financial product, each individual judges and selects a target financial product from information obtained in a limited range.

[0003]

2. Description of the Related Art Conventionally, there has been known home banking in which a financial institution such as a bank is connected to a home through a telephone line, and services such as deposit balance inquiry and fund transfer can be received online. In addition, financial institutions such as banks, securities, and insurance companies have built their own networks to enable services that span multiple financial institutions, and furthermore, credit card issuers and their affiliated stores An online system that is used to check the credit limit by connecting the Internet to a network of financial institutions is used to use it as a network for credit and money transfer.

On the other hand, when looking at transactions with financial institutions, conventionally, a comprehensive transaction account card is issued to a customer, and merchandise purchases, credits, debits, automatic bank teller machines, electronic automatic teller machines, coupons, and the like are provided. Enable transactions with a single card, or use a TV on your home banking device,
It allows you to pay for credit cards, telephone charges, and other bills. For this reason, payment processing with respect to a predetermined account is performed with the financial institution. Further, from the viewpoint of using a network with a financial institution, it is only possible to request an account opening in addition to providing financial information from a trading financial institution.

[0005]

[0005] By the way, consumers
Although they have the right to know the product services of various financial institutions, there is currently too much information to choose from. For this reason, consumers simply use network services as negotiations with financial institutions that are predetermined (by some kind of connection).

[0006] Further, since transactions with financial institutions are performed for each financial institution, the management of the assets of the consumers themselves must be performed for each financial institution, and there has been a problem that management is complicated.

[0007] The present invention has been made in view of the above points, and is a financial information intermediary which enables selection of various kinds of financial information provided by a financial institution in accordance with the preference of a consumer (user). It is an object to provide a processing device.

[0008]

FIG. 1 is a diagram illustrating the principle of the present invention for achieving the above object. According to FIG. 1, the financial information mediation processing device 10 is connected to a plurality of financial institutions 20 by a dedicated line, and is connected to a user terminal 30 by a public line. The financial information mediation processing device 10 is a financial institution 2
0, a financial information processing means 11 for registering and managing financial information, a financial information storage means 12 for storing financial information from a financial institution 20, and a financial institution 20 connected to the user terminal 30 for use. Request processing means 13 for processing a use request from a user, user information processing means 14 for registering and managing information on user preferences, user information storage means 15 for storing registered user preference information, have.
The financial information storage means 12 stores product information,
Financial information such as interest rate information is stored, and the user information storage means 15 stores, for each user, a financial institution designated by the user,
User preference information such as a desired product is stored.

[0009] The user information processing means 14 obtains preference information from the user and stores it in the user information storage means 15. When there is a request from the user terminal 30 to select a product, the request processing unit 13 obtains the user's preference information from the user information storage unit 15 through the user information processing unit 14, and obtains a financial information based on the preference information. The relevant financial instrument information of the relevant financial institution is obtained from the financial information storage means 12 through the information processing means 11. At this time, the financial information processing means 11
Will contact the relevant financial institution as needed to obtain the latest information. Thereby, the request processing means 13 can collect financial information selected by the user's preference from among a large number of financial information extending over a plurality of financial institutions 20. These financial information is notified to the user terminal 30 and is displayed in a list there. When the user selects and instructs specific financial information from the list display, the instruction is notified to the request processing means 13 of the financial information mediation processing device 10.
The request processing means 13 notifies the corresponding financial institution 20 and
Mediates transactions that occur between the user and the financial institution regarding the selected financial information.

[0010] Further, the user information storage means 15 can store a user virtual ledger capable of holding property information of all financial institutions having accounts with the user. The user can know the latest status of all the assets owned by the user.

According to the present invention, financial information processing means for collecting and managing financial information provided by each financial institution, and financial information storage means for storing financial information collected by the financial information processing means for each financial institution Financial information storage processing means for storing in the user information, user information processing means for registering and managing the preference information obtained from the user, and user information storage processing for storing the preference information in the user information storage means for each user Means, connected to a financial institution via a dedicated line, and a user terminal connected via a public line, wherein the user's preference information stored in the user information storage means in response to a processing request requiring financial information. A computer storing a program having request processing means for collecting financial information according to the user's intention from the financial information stored in the financial information storage means based on the request and notifying the user terminal Only take a storage medium is provided.

By causing a computer to execute the financial information mediation processing program recorded on this medium, financial information processing means, financial information storage processing means, user information processing means, user information storage processing means, and request processing means Each function of can be realized by a computer.

[0013]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of the present invention will be described below with reference to the drawings. First, the outline of the present invention will be described.

FIG. 1 is a diagram illustrating the principle of the financial information mediation processing device according to the present invention. The financial information mediation processing device 10 is installed between a plurality of financial institutions 20 and a plurality of user terminals 30. The financial information mediation processing device 10 and the financial institution 20 are connected by a dedicated line, and the financial information mediation processing device 10 and the user terminal 30 are connected by a public line. The financial information mediation processing device 10 includes a financial information processing unit 11 that performs registration and management processing of financial information provided by the financial institution 20, and a financial information storage that stores the financial information acquired by the financial information processing unit 11. Request processing means 13 connected to the financial institution 20 and the user terminal 30 for receiving necessary usage from the user and performing necessary processing
And a user information processing unit 14 for performing registration / management processing of information relating to the user's preference, and a user information storage unit 15 for storing the registered user preference information. The financial information storage means 12 stores financial information such as product information and interest rate information for each financial institution, and the user information storage means 15 stores, for each user, a financial institution designated by the user and a desired product. The user preference information such as the user preference information is stored.

The user information processing means 14 acquires user preference information in advance at the time of user registration and stores it in the user information storage means 15. When a request including provision of information on a financial product is received from the user terminal 30, the request processing unit 13 requests the user information processing unit 14 to acquire the corresponding user preference information from the user information storage unit 15. . Next, the request processing unit 13 requests the financial information processing unit 11 based on the acquired preference information to obtain information on the relevant financial instrument of the relevant financial institution from the financial information stored in the financial information storage unit 12. I do. At this time, the financial information processing means 11 does not store the financial information of the financial institution designated in the user's preference information in the financial information storage means 12,
If the product information of the relevant financial institution stored in the financial institution is not the latest information, the financial institution 2
Inquire information at 0, obtain the latest information, and then select financial information based on preference information. Financial information processing means 1
Reference numeral 1 updates the financial information in the financial information storage means 12 with the financial information obtained by the information inquiry. As a result, the request processing unit 13 collects financial information matching the user's intention from among a large number of financial information extending over a plurality of financial institutions 20, and notifies the user terminal 30 of the collected financial information. . The user terminal 30 displays a list of the notified financial information. As a result, only information according to the user's intention is provided as selection target information to the user.
When a specific financial information is selected and instructed from the financial information displayed in the list, the instruction is transmitted to the financial information intermediary processing device 1.
0 is notified to the request processing means 13. Request processing means 13
In response to this, the relevant financial institution 20 is notified, and mediation of a transaction that occurs between the user and the financial institution regarding the selected financial information.

Further, the user information storage means 15 stores a user virtual ledger. This user virtual ledger holds information on assets held by all financial institutions with which the user has an account. When a user inquires about information on owned assets, the request processing means 13
To obtain necessary information from the user information storage means 15 and notify the user. This allows the user to know the latest state of the assets held by the user.

In the above configuration, the financial information mediation processing device 10 is realized in a physically independent form between the financial institution 20 and the user terminal 30. The device 10 can be realized in a form in which all or a part of the device 10 is incorporated in the user terminal 30.

Next, an embodiment of the present invention will be described by taking as an example a case where the present invention is applied to a device for relaying financial information and the like between all financial institutions and general consumers. FIG. 2 is a diagram showing an entire network configuration including a financial delivery computer. In FIG. 2, a financial delivery computer 40 is connected to a plurality of financial institutions, for example, A bank 51, B bank 52, and C bank 53 by a dedicated line. These financial institutions cover all types of financial institutions, including city banks, regional banks, shinkin banks, credit unions, foreign banks, labor banks, agricultural cooperatives, securities, postal savings, and credit sales. Also, Bank A 51,
The B bank 52 and the C bank 53 are connected to a Zengin system 60 which is an online system for mediating exchange of exchange data and the like. The financial delivery computer 40 is also connected to an external information institution 70 through a dedicated line for obtaining exchange information and the like.

Financial Delivery Computer 4
No. 0 has a service function selection processing unit 41 for selecting and processing various service functions provided in the financial delivery computer 40 in accordance with a request from a user, and a management file 42. The service function selection processing unit 41 corresponds to the financial information processing unit 11, the request processing unit 13, and the user information processing unit 14 of FIG. 1, and the management file 42 corresponds to the financial information storage unit 12 and the user information storage unit 15. I do. The service function selection processing unit 41
An arbitrary function is selected from the functions of "transaction selection", "financial institution selection", "product selection / instruction", "virtual passbook (including custody)", and "investment consultation / analysis" and processed. "Transaction selection" includes new account / open instruction, automatic transfer contract / cancel instruction, automatic transfer transfer (contract notification to financial institution, notification of cancellation to contract financial institution), transfer of funds between financial institutions, account change Instructions (new account processing request to another financial institution, account cancellation request to accounted financial institution), deposit and withdrawal transaction instructions, bidding for each financial institution to contract with high interest financial institution (auction ), "Select financial institution" is the function to select and instruct the financial institution, "product selection / instruction" is the function to provide information on the services and functions implemented by each financial institution, and "virtual passbook ( Is a function that provides services such as protection and custody management at financial institutions, the latest balance inquiry and asset inquiry by real-time inquiry to financial institutions, and "investment consulting and analysis."
Is a function to provide a support service for foreign currency deposits that displays, changes, and analyzes exchange rates, and a money plan consulting service as a life cycle such as interest rate-oriented, high-risk, low-risk, investment consulting, and asset allocation analysis. is there.

The management file 42 includes a common file 42a for storing incidental information such as exchange forecasts and risk information, a financial institution file 42b for storing information for each financial institution,
And a user file 42c storing information for each user. The common file 42a includes items such as, for example, exchange rates and their transitions, foreign credit risk ranks and their transitions, credit ranks and their transitions for each company, and future prediction analysis values. The financial institution file 42b includes items such as a financial institution name, a product name, a product characteristic classification, an interest rate (per period), a deposit amount (minimum / maximum), and a unit of interest for each financial institution. The user file 42c contains, for each user, product characteristics (oriented type name), favorite financial institution rank, user basic information (family structure, income,
File containing items such as the name of the financial institution, the number of products held, the public key of each financial institution, the amount and quantity, the latest transaction pointer, and the presence or absence of custody. And a file related to a virtual ledger (multi-bank passbook).

The financial delivery computer 40 includes a security device 80 and a public line 90.
Are connected to personal computers (hereinafter, referred to as personal computers) 101 and 102 via a PC. For the public line 90, an analog or digital telephone line, the Internet, a cable television network, or the like is used. Each personal computer 1
Reference numerals 01 and 102 each include an IC card driving device that can handle an IC card. Also, a dedicated communication device for home banking provided with such an IC card driving device can be used as a personal computer. Each of the personal computers 101 and 102 is a bankbook 101 for each bank.
a, 102a. These passbooks 101a, 1
02a includes an IC card, an electronic wallet medium, household account book software managed by a personal computer, and the like.

Financial Delivery Computer 4
0, the service function selection processing unit 41 inquires of the bank A 51, the bank B 52, and the bank C 53 in advance to obtain product information such as financial products provided by each bank, and obtains the financial institution file 42b. Is stored for each financial institution. In addition, the service function selection processing unit 41 acquires user preference information such as a financial institution designated by the user, a desired financial product, and asset information of all financial institutions having accounts at the time of user registration. Is stored in the user file 42c as user preference information and a user virtual ledger. Further, the service function selection processing unit 41 acquires exchange forecast information, risk information, and the like from the external information agency 70 and stores them in the common file 42a.

Here, when there is a request from a user including provision of information on financial products through a personal computer, for example, the personal computer 101, the service function selection processing unit 41 selects a "product selection / instruction" function, and first, a management. File 42
The user file 42c is accessed to acquire the requested user preference information. Next, the service function selection processing unit 41 transmits the financial institution file 42b of the management file 42.
To access the services and services provided by each financial institution.
From the function information, financial information that satisfies the preference information is obtained. At this time, if the information stored in the financial institution file 42b is not the latest information, the corresponding financial institution is queried for information. The latest information obtained by this is stored in the financial institution file 42b, and if the latest information is financial information according to the user's intention, it is included in the information to be notified to the user. In this way, financial information according to the user's intention is collected and notified to the personal computer 101 of the user.

When the financial information is notified from the service function selection processing section 41 of the financial delivery computer 40, the personal computer 101 displays a list of the financial information. The user refers to the list display and, if there is a desired financial product, notifies the financial delivery computer 40 of the desired financial product, and the service function selection processing unit 41 notifies the corresponding financial institution to use the financial product. Mediates transactions that occur between the parties and their financial institutions.

When a user requests services such as protection and custody management at a financial institution, latest balance inquiry, and asset inquiry, the service function selection processing section 41 of the financial delivery computer 40 performs the function of the virtual passbook. Is selected. The service function selection processing unit 41 accesses the user file 42c, reads a user virtual ledger corresponding to the user, and notifies the user. Here, if the notification information is not the latest, it is possible to refer to the financial institution to know the latest asset status held by the user himself.

Next, a specific example of a file storing user preference information in the user file 42c of the management file 42 will be described. FIG. 3 is a diagram illustrating an example of a user preference information file. According to the user preference file 42ca shown in FIG. 3, the items include “interest rate-oriented category”, “designation of financial institution”, “investment category”, “designation of product preference”, “designation of operation period”, and “user information”. And so on. Here, the “interest rate oriented category” is a high-risk, high-return type, low-risk, low-return type, portfolio allocation type (risk allocation designation, consulting outsourcing), or two-way competitive style type (determined by auction). Can be specified. In "Designation of financial institution", ranking can be made for banks and securities. In "Investment category", it can be specified whether it is related to deposits, savings and government bonds, or stocks and securities. In “designation of product preference”, desired products by money tier can be specified, and in “operation period designation”, desired products by money tier can be designated. In the "user information", the family structure, income, whether or not a future life plan is desired, and the like are registered.

Next, as an example of processing in the financial delivery computer 40, a flow of processing in the case where funds are transferred from the bank A to the bank B 52 having no account will be described.

FIG. 4 is a flowchart showing the flow of the process of transferring funds between banks. Here, the user uses, for example, the personal computer 101 to change the account of Bank A 51 to Bank B 5.
The case where the funds are transferred to No. 2 will be described. First, when the user starts the personal computer 101, an initial display for using the financial delivery computer 40 is displayed on the screen (step S1). Here, when the user issues a use request to the financial delivery computer 40, the financial delivery computer 40 performs initial processing such as user confirmation and starts the service (step S2). The financial delivery computer 40 instructs the user to display a selection screen (step S3). In response to this instruction, the PC 10
In step S1, a selection screen is displayed, and the user designates "transfer funds" from the transaction selection on the selection screen (step S1).
4).

FIG. 5 is a diagram showing an example of a display screen of the personal computer when a fund transfer is designated. According to the display screen 111, as an example of designation of the transfer of funds, the deposit 100
This indicates an instruction for operating for three years using ¥ 0000, and indicates that a preference file storing user preference information is used when selecting a financial product.

Returning to FIG. 4, when a fund transfer is designated, the information is notified to the financial delivery computer 40. Then, the service function selection processing unit 41 of the financial delivery computer 40 performs a customer latest balance inquiry process for the designated A bank 51 (step S5). That is, the service function selection processing unit 41 refers to the user virtual ledger of the management file 42 and checks whether an account exists in the A bank 51,
A request is made for a balance inquiry as to whether or not Bank A has a deposit of 10 million yen or more that can be withdrawn. Bank A 51
Makes an account balance inquiry and notifies the result to the financial delivery computer 40 (step S
6). If the bank A has a deposit that can be withdrawn by 10 million yen or more, the service function selection processing unit 41 of the financial delivery computer 40 acquires the user's preference information registered in advance with reference to the user file 42c. Then, referring to the financial institution file 42b on the basis of the preference information, a corresponding product matching the user's intention is selected therefrom, and the product information is notified to the personal computer 101 (step S7). If the product information regarding the financial institution specified in the item of the financial institution specified in the preference information is not in the financial institution file 42b or is not the latest information, the relevant financial institution is inquired for the product information, and then the product information is referred to. Select information. The personal computer 101 displays a product list based on the notified product information. FIG. 6 shows an example of this display.

FIG. 6 is a diagram showing an example of a display screen of a product list. According to the display screen 112, the items of the product list include the financial institution providing the product, the product name, the interest rate, the treatment, the final yield, and the remarks. Here, a case is shown in which the user has selected the product b handled by the B bank 52. At this time, the information of the user's electronic signature and the public key is input for the security of the identity confirmation and the notification information.

Returning to FIG. 4, in the personal computer 101,
After confirming the product from the product list, a product selection instruction is given (step S8). That is, the user selects and instructs the product b of Bank B. Financial delivery computer 40
Is notified of the selection instruction, the service function selection processing unit 41 refers to the user virtual ledger in the management file 42 and checks whether an account exists in the B bank 52. here,
Since there is no user account at Bank B 52, service function selection processing unit 41 requests Bank B 52 to open a new account (step S9). In response to the request for opening a new account, Bank B 52 newly opens an account with a balance of 0 yen (step S10). Upon receiving the notification of the completion of the new account opening from the B bank 52, the service function selection processing unit 41 performs a fund transfer request process (step S11). That is, the bank A is requested to transfer 10 million yen from the bank A to the bank B 52 in the exchange processing. The A bank 51 performs a fund transfer process in response to a request for exchange transfer. That is, the A bank 51 performs a withdrawal process of 10 million yen from the account of the user of the A bank customer ledger, and then uses the Zengin system 60 to make an interbank settlement with the B bank 52 (normally). Exchange processing)
Is performed (step S12). On the other hand, in the fund transfer process in the B bank 52, a deposit process of 10 million yen is performed to the user's account newly established in the B bank customer ledger (step S13). When the fund transfer processing is completed, the completion of the exchange processing is notified from the A bank 51. Thereafter, in the financial delivery computer 40, the service function selection processing unit 41 updates the user virtual ledger of the user file 42c. That is, the account of Bank B 52 is added to the user virtual ledger, and the balance information of Bank A 51 and Bank B is updated to the value after the fund transfer. Then, the service function selection processing unit 41 notifies the personal computer 101 that the fund transfer processing has been completed (step S14). The personal computer 101 is a financial delivery computer 40
Receiving the completion notification from the service function selection processing unit 41 of
The result of the transaction is displayed (step S15). FIG. 7 shows an example of the result display.

FIG. 7 is a view showing an example of a display screen of the transaction result of the fund transfer. According to the display screen 113, the transaction is A
This is for the product b of the bank 51 to the bank B 52, and indicates that the amount is 10 million yen together with the transaction completion date.

As described above, consumers (users) are obtained from a wide variety of financial information provided by an extremely large number of financial institutions.
The case where only information matching the user's preference can be selected and displayed and the consumer can select a product online has been described by taking the transfer of funds as an example. Next, utilizing the fact that the financial delivery computer 40 mediates information between the financial institution and the general consumer, the financial delivery computer 40 performs another transaction process for the financial institution for the user. An example is described below. First,
A description will be given of a case where a financial institution contracted for automatic transfer is changed.

FIG. 8 is a flow chart showing the flow of the process of transferring an automatic transfer contract. Here, a description will be given of a flow of processing in a case where the user uses, for example, the personal computer 101 to transfer the automatic transfer contracted with the A bank 51 to the B bank 52 having no user account. First, when the user starts the personal computer 101, an initial display for using the financial delivery computer 40 is displayed on the screen (step S21). Here, when the user issues a use request to the financial delivery computer 40, the service function selection processing unit 41 of the financial delivery computer 40 performs initial processing such as user confirmation and starts the service (step S2).
2). Next, the service function selection processing section 41 instructs the user to display a selection screen (step S23). In response to this instruction, a selection screen is displayed on the personal computer 101,
The user designates "automatic transfer contract transfer" from the transaction selection on the selection screen (step S24).

FIG. 9 is a diagram showing an example of a display screen of the personal computer when an automatic transfer contract change is designated. Display screen 115
According to the example of automatic transfer contract transfer,
1 shows a case where the transfer source is designated as 1 and the bank B 52 is designated as the transfer destination, and all utilities are designated as transfer targets.

Returning to FIG. 8, when an automatic transfer contract change is designated, the information is notified to the financial delivery computer 40. Then, the service function selection processing unit 4 of the financial delivery computer 40
1 performs processing of a customer contract transaction (step S25).
That is, after referring to the user virtual ledger in the management file 42 to confirm whether or not the transfer destination has an account at the bank B 52, the bank B 52 is requested to make an automatic transfer contract. Here, since there is no account at Bank B 52, it requests Bank B 52 to open a new account and make an automatic transfer contract. Next, in response to the request, the B bank 52 first opens a new user account in the B bank customer ledger (step S26), and then sets an automatic transfer contract (step S27). When the setting of the automatic transfer contract is completed, the completion of the setting is notified to the financial delivery computer 40. Upon receiving the notification, the service function selection processing unit 41 of the financial delivery computer 40 performs an automatic transfer contract cancellation transaction process on the A bank 51 (step S28). In response to the request for canceling the automatic transfer contract from the financial delivery computer 40, the A bank 51 cancels the automatic transfer contract for all public charges set in the A bank customer ledger,
The completion of the contract cancellation is notified to the financial delivery computer 40 (step S29). Then, the financial delivery computer 40 notifies the personal computer 10 that the processing of the automatic transfer contract cancellation transaction has been completed.
1 is notified (step S30). The personal computer 101 receives the completion notification from the financial delivery computer 40 and displays the result of the transaction (step S31).
FIG. 10 shows an example of the result display.

FIG. 10 is a view showing an example of a display screen of the transaction result of the contract transfer. According to the display screen 116, this transaction is from the Bank A to the Bank B 52, the transfer is a transfer of an automatic transfer contract, and the contracts to be transferred include "gas" and "water" charges. Is shown together with the transfer start date.

When the setting of the automatic transfer contract is completed, the B bank 52 notifies the company, here the gas company and the Water Bureau, and requests the change of the billing organization from the A bank 51 to the B bank 52. Processing is performed later.

An example of another transaction is an account change. This is almost the same as the transfer of funds, except that the destination financial institution does not have the user's account, and additional processing for canceling the account to the source financial institution is added. Different. Of course, after the account is changed, the information of the user virtual ledger in the user file 42c is updated.

As an example of the next transaction, an example of a process in which a general consumer and a financial institution make a bidding decision on a deposit destination by taking advantage of being connected to the financial delivery computer 40 online will be described.

FIG. 11 is a flowchart showing the flow of the processing of the deposit auction. Here, a case will be described in which the user uses the personal computer 101, for example, to select a financial institution with good operating conditions and transfer the funds in the A bank 51 to the financial institution. First, when the user starts the personal computer 101, an initial display for using the financial delivery computer 40 is displayed on the screen (step S41). Here, when the user issues a use request to the financial delivery computer 40, the service function selection processing unit 41 of the financial delivery computer 40 performs initial processing such as user confirmation and starts the service (step S42). Next, the service function selection processing unit 41 instructs the user to display a selection screen (step S43). In response to this instruction, a selection screen is displayed on the personal computer 101, and the user designates "auction" from the transaction selection on the selection screen (step S44).

FIG. 12 is a diagram showing an example of a display screen of the personal computer when an auction is designated. According to the display screen 121, as an example of a user's auction specification, A
This indicates an instruction for operating for three years using a deposit of 10 million yen of the bank 51, and indicates that a preference file storing user preference information is used when selecting a financial product.

Returning to FIG. 11, when an auction is designated, the information is notified to the financial delivery computer 40. Then, the service function selection processing unit 41 of the financial delivery computer 40
Performs a customer latest balance inquiry process for the designated A bank 51 (step S45). That is, the service function selection processing section 41 refers to the user virtual ledger in the management file 42 to check whether an account exists in the A bank 51, and then withdraws the A bank 51 to the A bank 51 for 10 million yen or more. Request a balance inquiry to see if there is a possible deposit. The A bank 51 receives the request, makes an account balance inquiry, and notifies the result to the financial delivery computer 40 (step S46). 10 for A Bank 51
If you have a deposit that can be withdrawn for over $ 100,000,
The service function selection processing unit 41 of the financial delivery computer 40 acquires the user's preference information registered in advance by referring to the user file 42c, and refers to the financial institution file 42b based on the preference information. Is selected, the product information is notified to the personal computer 101, and an auction is held (step S47). Thereby, the personal computer 10
In step 1, an auction can be executed (step S4).
8). Subsequently, the financial delivery computer 40 connects to the financial institution that provides the selected product and performs an auction with the user (step S49,
S50). The product information on the financial institution specified in the item of the financial institution specified in the preference information is stored in the financial institution file 4
If the information is not present in 2b or is not the latest information, the relevant financial institution is referred to for the product information, and then the product information is selected. In the personal computer 101, a product list is displayed as an auction menu based on the notified product information.
FIG. 13 shows an example of the display on the auction user side.

FIG. 13 is a diagram showing an example of the display screen of the auction menu. According to the display screen 122, six products matching the user's intention are displayed, and the name of the financial institution, the name of the product, the interest rate, the interest rate, the treatment, and the characteristics of the product are displayed. Here, when the financial institution that provides the product selected by the financial delivery computer 40 receives a notification that the participation in the auction is to be stopped, the fact is displayed on the display screen 122. The user performs a virtual auction while watching the auction menu.

Returning to FIG. 11, a virtual auction market is held between the user and the financial institution via the financial delivery computer 40. Here, if there is a product of interest, the user will negotiate with a financial institution that provides the product and negotiate transaction conditions such as interest rates. Assuming that the product is determined as a result of the negotiation, the personal computer 101
Is instructed to the financial delivery computer 40 (step S51). here,
It is assumed that the user has selected product b of Bank B. When notified of the selection instruction, the service function selection processing unit 41 of the financial delivery computer 40 refers to the user virtual ledger in the management file 42 and checks whether an account exists in the B bank 52. If the user's account does not exist in B bank 52, service function selection processing unit 41 requests B bank 52 to open a new account (step S5).
2). In response to the request for opening a new account, Bank B 52 newly opens an account with a balance of 0 yen (step S53). When there is a notice of the completion of opening a new account from Bank B 52, financial delivery computer 40 performs a fund transfer request process (step S54). That is, 100 A is exchanged with A bank 51 from A bank 51 to B bank 52 in the exchange processing.
Request a transfer of 100,000 yen. The A bank 51 performs a fund transfer process in response to a request for exchange transfer. That is, A bank 51 has A
Withdrawal processing of 10 million yen from the account of the user of the bank customer ledger, and then, using the Zengin system 60, the bank 5
2 between the two banks (normal exchange processing) (step S55). As a result, the balance of the user in the A bank customer ledger is updated to an amount obtained by subtracting 10 million yen. On the other hand, in the fund transfer process in the B bank 52, 1000 credits are transferred to the newly opened user account in the B bank customer ledger.
A deposit process of 10,000 yen is performed (step S56). As a result, the user's balance in the bank B customer ledger is updated to 10 million yen. When the money transfer processing is completed, Bank A 51
Notifies the completion of the exchange processing. After that, the service function selection processing unit 41 of the financial delivery computer 40 updates the user virtual ledger of the user file 42c. That is, the account of Bank B 52 is added to the user virtual ledger, and the balance information of Bank A 51 and Bank B is updated to the value after the fund transfer. Then, the service function selection processing unit 41 notifies the personal computer 101 that the fund transfer processing has been completed (step S57). The personal computer 101 receives the completion notification from the financial delivery computer 40 and displays the result of the transaction (step S58). The display screen at the time of completion of the auction is the same as the content of the display screen 113 of the transaction result of the fund transfer shown in FIG.

In the service function selection processing section 41,
Information such as interest rate fluctuation analysis, foreign exchange risk analysis, foreign exchange rate and transition, foreign credit risk rank and transition, credit rank and transition for each company, and future forecast analysis values obtained from the external information agency 70 are used for product selection and transaction processing. It can also be developed so that it is linked to investment consulting, product selection and transaction processing.

[0048]

As described above, according to the present invention, consumer preference information is registered in advance, products suitable for the intention are displayed over a plurality of financial institutions, and the consumer's product selection can be made online. It was configured to support it. For this reason, at the stage of selecting a wide variety of financial information provided by many financial institutions, consumers are already narrowed down to financial information according to the tastes of consumers (users). This will provide an opportunity to select the most appropriate financial institution and product from the information obtained.

Further, since it is possible to hold a user virtual ledger in which a plurality of financial institution passbooks are combined into one for each user, asset management tailored to the individual beyond the management of each financial institution. Centralized management and multi-bank management become possible.

In particular, in the future, with the development of the network banking business, consumers are expected to request transactions with many financial institutions from a global perspective. At that time, it is possible to provide services that include consulting based on forecasting and analysis of currency fluctuations, interest rates for each financial institution, and the like.

Further, since the information is relayed between the consumer and the financial institution, not only the transaction service as in home banking but also the exchange based on the information from the external service provider. It is possible to provide financial product selection and fund balance management services linked to forecasting and interest rate forecasting and management, transaction services for risk aversion linked to interest rate fluctuations of financial products, or custody assets management services.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating the principle of a financial information mediation processing device according to the present invention.

FIG. 2 is a diagram showing an entire network configuration including a financial delivery computer.

FIG. 3 is a diagram illustrating an example of a file of user preference information.

FIG. 4 is a flowchart showing a flow of a process of transferring funds between banks.

FIG. 5 is a diagram showing an example of a display screen of the personal computer when a fund transfer is designated.

FIG. 6 is a diagram showing an example of a product list display screen.

FIG. 7 is a diagram showing an example of a display screen of a transaction result of fund transfer.

FIG. 8 is a flowchart showing a flow of an automatic transfer contract transfer process.

FIG. 9 is a diagram illustrating an example of a display screen of a personal computer when an automatic transfer contract transfer is designated.

FIG. 10 is a diagram illustrating an example of a display screen of a transaction result of a contract change.

FIG. 11 is a flowchart showing a flow of processing of a deposit auction.

FIG. 12 is a diagram illustrating an example of a display screen of a personal computer when an auction is designated.

FIG. 13 is a diagram illustrating an example of a display screen of an auction menu.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Financial information mediation processing apparatus 11 Financial information processing means 12 Financial information storage means 13 Request processing means 14 User information processing means 15 User information storage means 20 Financial institution 30 User terminal

Claims (8)

[Claims] 1. A financial information mediation processing device for mediating financial information related to functions and services provided by a plurality of financial institutions, a financial information processing means for collecting and managing financial information provided by each financial institution, and the financial information Financial information storage means for storing financial information collected by the processing means for each financial institution, user information processing means for registering and managing preference information obtained from a user, and user information storage for storing the preference information Means and a user's intention from a financial information stored in the financial information storage means based on preference information stored in the user information storage means in response to a processing request in which the user requires financial information. Request processing means for collecting financial information suitable for and notifying the user terminal of the financial information. 2. The user information storage means has a virtual ledger for storing information of an account held by each user at each financial institution. 2. The financial information mediation processing device according to claim 1, wherein the financial information mediation processing device is used for management processing. 3. An additional information processing means for obtaining additional information such as exchange forecasts and risk information from an external information institution, and additional information storage means for storing the obtained additional information. Item 6. The financial information mediation processing device according to Item 1. 4. A financial information intermediary processing method for providing a user with financial information that meets the user's preference from financial information provided by the financial institution, wherein the user requires the financial information provided by the financial institution from the user. Upon receiving the request, obtain the user's preference information registered in advance, specify a financial institution that satisfies the conditions registered in the preference information, and obtain a product obtained in advance from the financial institution based on the specified financial institution. With reference to the information, obtain the product information satisfying the conditions registered in the preference information, notify the obtained product information to the user, and in accordance with the product selection instruction from the user, to the financial institution involved in the product transaction. A financial information intermediary processing method, wherein necessary transaction processing is instructed. 5. In the step of obtaining the product information, if the product information previously obtained from the financial institution is not the latest, the latest product information is obtained by referring to a specified financial institution, and then the preference is obtained. 5. The financial information intermediary processing method according to claim 4, wherein product information satisfying a condition registered in the information is obtained. 6. Collect and collect financial information provided by each financial institution.
Financial information processing means for managing, financial information storage processing means for storing financial information collected by the financial information processing means in a financial information storage means for each financial institution, and registering and managing preference information obtained from a user. User information processing means, user information storage processing means for storing the preference information in the user information storage means for each user, connected to a financial institution via a dedicated line, and a user terminal connected to a public line. In response to a processing request that requires financial information, the user changes the financial information stored in the financial information storage means to the user's intention based on the preference information stored in the user information storage means. A computer-readable storage medium storing a program having request processing means for collecting combined financial information and notifying the user terminal of the collected financial information. 7. A financial information intermediation processing device connectable to a plurality of financial institutions, a user information storage means for storing user account information, and a first financial information stored in said user information storage means. Receiving a request from a user to change an account of an institution to an account of another second financial institution, transmitting a new processing request for the account of the second financial institution, and canceling processing to the first financial institution A financial information intermediary processing device comprising: an intermediary processing means for transmitting a request. 8. The financial information intermediation processing device according to claim 7, further comprising an updating unit that updates information in the user information storage unit based on a processing result by the intermediation processing unit.