JP2001338132A - Marketing method and device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a marketing method capable of providing commodity information matched with customer's interest or liking correspondingly to customer's property fluctuation. SOLUTION: The marketing system 1 includes terminals 2 to be operated by customers, a communication network 4, financial companies 7, a property fluctuation level setting means 51 for setting a property fluctuation level on the basis of each customer's property fluctuation amount, a commodity determination rule data base 60 storing commodity determination rules for determining a commodity to be provided to each customer, a corresponding commodity determination means 52 for retrieving a commodity determination rule based on the property fluctuation level and determining commodities corresponding to the retrieved commodity determination rule, an object commodity selection means 53 for selecting an object commodity to be provided to the customer concerned from the corresponding commodities on the basis of customer's interest/liking information, and a commodity information providing means 54 for providing the commodity information of the object commodity to the customer via the network 4.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a marketing method for promoting the purchase of a product, and more particularly to a marketing method capable of providing product information suitable for a customer's hobbies and preferences in response to a customer's asset fluctuation. Method and marketing device.

[0002]

2. Description of the Related Art Conventionally, a company that wants to provide product information of its own product sends a direct mail or the like to a customer who has purchased the product at the time of launching a new product or a campaign. By doing so, the product was advertised.

[0003]

However, according to the above-mentioned conventional method of promoting a product, the company cannot always provide the product information of its own product when the customer desires to purchase the product. However, there is a problem that an opportunity to sell the product is missed.

On the customer side, when assets increase due to buying and selling of stocks, etc., despite wishing to purchase a product, the product information of a product that matches his / her hobbies and tastes at that time. Is not provided, so that there is a problem that the customer misses the opportunity to purchase.

SUMMARY OF THE INVENTION The present invention has been made in view of the above circumstances, and has as its object to provide merchandise information on merchandise that meets a customer's hobbies and preferences in response to fluctuations in the customer's assets and to market in real time. It is an object of the present invention to provide a marketing method and a marketing device capable of doing so.

[0006]

In order to achieve the above object, a marketing method according to the first aspect of the present invention provides a method for purchasing goods by providing goods information in response to changes in assets of customers. A marketing method that facilitates a financial company in which a customer has a trading account,
When the customer's assets fluctuate, obtain the asset fluctuation amount via a communication network, and set an asset fluctuation level based on the asset fluctuation amount, an asset fluctuation level setting step,
Storing, in the product determination rule database, a product determination rule for determining a product to be provided to the customer based on the asset fluctuation level set in the asset fluctuation level setting step; Searching for the determined product determination rule based on the asset fluctuation level, and determining a relevant product corresponding to the searched product determination rule by searching a product information database storing product information; and ,
From the applicable products determined in the applicable product determination step, based on hobby preference information on the customer's hobbies and preferences, a provision target product selection step of selecting a provision target product to provide to the customer, A product information providing step of providing product information of the product to be provided selected in the product to be provided selection step to the customer via a communication network.

According to the first aspect of the present invention, it is possible to provide merchandise information suitable for the customer's hobbies and preferences in accordance with the customer's asset fluctuation.

[0008] The product determination rule stored in the product determination rule database of the marketing method according to the second aspect of the present invention includes a product category rank set according to a price range of each product category and a price of each product. Is defined based on the product rank set in accordance with the above.

According to the second aspect of the present invention, it is possible to provide a product according to the amount of change in the asset of the customer.

The asset change level setting step of the marketing method according to the third aspect of the present invention includes the step of, when the asset of the customer changes, changing the asset change level set by the financial company based on the amount of the asset change in the communication network. Is obtained via a.

According to the third aspect of the present invention, it is possible to enhance the security of personal information such as the amount of change in assets of the customer.

A marketing device according to a fourth aspect of the present invention is a marketing device for promoting the purchase of a product by providing product information in response to a change in a customer's asset, wherein the customer has a transaction account. In a financial company, when the asset of the customer changes, the amount of change in the asset is acquired via a communication network, and the asset change level is set based on the amount of change in the asset. A product determination rule database for storing a product determination rule for determining a product to be provided to the customer based on the asset fluctuation level set by the setting means; and the product determination rule stored in the product determination rule database Is searched based on the asset fluctuation level, and a product corresponding to the searched product determination rule is searched for in the product information. A corresponding product determining means for searching and determining the received product information database; and, from among the relevant products determined by the relevant product determining means, the customer based on hobbies and preference information relating to the customer's hobbies and preferences. Target product selecting means for selecting a target product to be provided to the customer, and product information providing the product information of the target product selected by the target product selecting means to the customer via a communication network Means.

According to the fourth aspect of the present invention, it is possible to provide merchandise information suitable for the customer's hobbies and preferences in accordance with the customer's asset fluctuation.

According to a fifth aspect of the present invention, the merchandise decision rules stored in the merchandise decision rule database of the marketing device include a merchandise category rank set according to a price range of each merchandise category and a price of each merchandise. It is characterized by being defined based on the product rank set accordingly.

According to the fifth aspect of the present invention, it is possible to provide a product according to the amount of change in the asset of the customer.

According to a sixth aspect of the present invention, when the asset of the customer changes, the asset change level setting means of the marketing apparatus sets the asset change level set by the financial company based on the amount of the asset change to the communication network. Is obtained via a.

According to the invention of claim 6, it is possible to enhance the security of personal information such as the amount of change in assets of the customer.

The financial company according to the present invention is not limited to so-called financial institutions such as banks and securities companies, and its assets are not limited to financial assets such as deposits and securities. For example, if the financial company is a real estate company, the change in the asset may be a change in the valuation value of the real estate. Therefore, the contents of the transaction account are not limited to transactions of financial products.

[0019]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of a marketing system according to the present invention will be described below with reference to the drawings.

As shown in FIG. 1, a marketing system 1 of this embodiment comprises a terminal 2 and a mobile phone 3 operated by a customer, and a communication network 4 including the Internet and a public network.
And a marketing device 5 that provides product information of products that match the tastes and preferences of the customer in response to customer asset fluctuations;
It comprises a database device 6 for storing information used by the marketing device 5, a financial company 7 in which a customer has a transaction account, and a contract company 8 for providing products to the customer.

Further, when the customer's assets fluctuate in the financial company 7 in which the customer has a transaction account, the marketing device 5 acquires the amount of the asset fluctuation via the communication network 4 and based on the amount of the asset fluctuation. An asset fluctuation level setting means 51 for setting an asset fluctuation level, and a product determination rule for determining a product to be provided to a customer are searched based on the asset fluctuation level, and a corresponding product corresponding to the searched product determination rule is determined. A target product selection unit 52 for selecting a target product to be provided to a customer based on hobby preference information on a customer's hobbies and preferences from the relevant products; And a product information providing means 54 for providing the product information to the customer via the communication network 4.

The marketing device 5 is composed of a general computer system including a CPU for performing various processes and a storage unit for storing instructions for the processes, and a site including a WWW server and a mail server is a member. Build for each registered customer. The marketing device 5 is managed by a so-called Internet provider, and is connected to a host computer (not shown) via the Internet. When an access is made from the customer terminal 2 or the mobile phone 3 via the communication network 4, the marketing device 5 provides a homepage from a site for individual customers. The websites offered here include websites related to financial information such as stocks and investment trusts, websites that provide portfolios, websites for asset management, and websites that offer products. It is generated based on preferences, history, asset fluctuation, and the like. Further, when there is an access from the terminal of the contract company 8, the marketing device 5 provides a homepage from a site for the contract company.

Next, the financial company 7 is a financial company registered in the marketing system 1, and each financial company 7a.
7n is a customer information database 71 storing personal information of customers, a financial product transaction database 72 storing transaction histories and trading histories such as transactions of financial products by customers and deposit / withdrawal of accounts, and information on financial products. And a financial product information database 73 for storing information on services and services.

The database device 6 stores a product determination rule database 6 for storing a product determination rule for determining a product to be provided to a customer based on an asset fluctuation level.
0, an integrated customer information database 61 for storing personal information such as a customer's name, address, age, occupation, and family structure;
A request information database 62 that stores hobby / preference information on a customer's hobbies and preferences, a sales request database 63 that stores a product category rank of a product to be provided, and product information that stores a product rank and product information of a product to be provided to the customer A database 64, a financial product information database 65 for storing product ranks and product information of financial products, a marketing database 66 for storing product information of target products selected as products to be provided to customers, Financial asset fluctuation information database 67 for storing fluctuation status, and purchase information database 6 for storing purchase information on whether or not the provided product has been purchased.
8 and a contract company information database 69 that stores the transaction conditions and methods of the contract company.

In the database device 6, an integrated customer information database 61 integrates and manages customer information stored in customer information databases 71 of a plurality of financial companies 7 registered in the marketing system 1, and manages each customer information. It also stores the customer's transaction history, trading history, holding shares, account balance, etc. at the financial company.

Thus, duplication of customer data can be prevented, various operations such as member registration can be completed at one time, and product information and services that meet customer needs based on the history can be provided. Can be provided.

The merchandise information database 64 stores merchandise information of all merchandise provided by contract companies of all types of business. The merchandise information database 64 includes not only information on merchandise such as cars and watches, but also air tickets and event tickets. Information about services such as tour travel provision is also stored.

Further, the financial product information database 65
Stores not only information on financial products such as investment trusts and insurance, but also various information on finance such as stocks, investment trusts, bonds, insurance, foreign exchange, loans, and information on services.

Next, each process performed by the marketing system according to the present embodiment will be described with reference to the drawings.

First, a customer member registration process by the marketing system 1 according to the present embodiment will be described with reference to the flowchart of FIG.

First, a customer who has an account with a financial company 7 such as a bank or a securities company operates the marketing system 1.
If the customer wishes to register as a member, the customer accesses the registration site of the financial company 7 from the terminal 2 and registers the member (S201). In addition, when the customer opens an account with the financial company 7, the member registration may be performed by obtaining the permission of the member registration to the marketing system 1. This is because the information regarding the increase or decrease of the assets is personal information, and therefore it is not desirable that the information is used for marketing purposes even if the customer does not intend. In the embodiment, the customer himself or herself registers the member, and makes an intention to accept the use of the information regarding the increase or decrease of the customer's assets.

Then, the registered customer inputs his or her personal information (S202).

This personal information includes name, address, family composition,
Basic attribute information such as an e-mail address and hobby / preference information on the hobbies and preferences of the customer are included, and these are stored in the customer information database 71 of the financial company 7 (S2).
03).

Further, the stored basic attribute information and hobby / taste information are transferred to the marketing device 5, wherein the basic attribute information is stored in the integrated customer database 61,
Hobby and preference information is stored in the request information database 62 (S204).

When the personal information of the customer is stored in each database in this manner, the marketing device 5 generates a site for the individual customer and provides the home page (S20).
5) Further, a registration guide mail indicating that the member has been registered is transmitted to the registered customer (S206). The registration guide mail contains a guide to a personal customer site.

Thus, the member registration process of the customer is completed, and thereafter the customer can access the site for individual customers (S207).

Next, the merchandise information registration processing of a contract company that provides merchandise to the marketing system 1 according to this embodiment will be described with reference to the flowchart of FIG.

First, a company wishing to register with the marketing system 1 makes a contract, and the company information and transaction conditions of the contracted company are stored in the contracted company information database 69 (S301), and are further handled by the contracted company 8. The product category, product category rank, and category name of the product are set and stored in the sales request database 63 (S302). Thereby, the contract company 8 is permitted to access the contract company site provided by the marketing device 5. These registration processes may be input from an operation terminal or the like, or may be input by a contracting company via the communication network 4.

Here, the configuration of the sales request database 63 is shown in FIG. As shown in FIG. 4, the sales request database 63 includes a product category, a product category rank, and a category name. In particular, the product category rank is a rank determined based on the price of each product.
For example, as shown in FIG. 4, a category A is set for a high-priced product such as a real estate, a category C is set for a car, and a category D is set for a watch. Is set.

Next, the contract company 8 inputs merchandise information of its own merchandise to be provided by the marketing system 1 (S303). The content of the product information entered at this time is
Trading methods such as product attributes, product ranks, product images, link information for more information, quote availability,
Information such as the selling price. Then, the input product information is stored in the product information database 64 (S30).
4). Here, the product rank included in the product information is determined according to the price within the product category. For example, as shown in FIG.
Of the condominiums in Japan, a condominium of 180 million yen is a high-priced product, so product rank A is set, and a condominium of 50 million yen is product rank B, a condominium of 25 million yen is product rank C, and so on. The product rank is determined according to the price in the product category.
Similarly, 30 in the watch category of product category 4
A watch with a price of ¥ 100,000 is expensive, so a product rank A, a watch with a price of 900,000 yen and 300,000 yen is a product rank B, and a watch with a price of 50,000 yen is determined according to a price, such as a product rank C.

When the merchandise information is stored in the merchandise information database 64, the registered contents of each merchandise are confirmed, and it is determined whether or not the merchandise can be posted on the member's homepage. Will be posted on the website for members.

The contract company 8 who wants to register a large number of products at one time registers the product information by using a file interface such as product catalog data uploading which can register the product information in a file in a predetermined format. It is also possible (S305). At this time, the contracting company sends the WAN from the contracting company catalog management server to the WAN.
(Wide Area Network) to register product information.

Thus, when the product information of the company's products is registered in the product information database 64 by each contracting company 8, the product information registration process by the contracting company is completed.

Next, marketing processing by the marketing system 1 according to the present embodiment will be described with reference to the flowcharts of FIGS.

When a customer makes a transaction such as buying and selling stocks or depositing cash in the financial company 7, the transaction is stored in the financial product transaction database 72 (S601). Then, if there is a change in the financial assets of the customer due to this transaction (S602), the financial asset fluctuation information is transmitted to the marketing device 5, and the financial asset fluctuation information database 67
(S603).

Here, the fluctuation of the financial assets may be, for example, an increase in the gain on sale or unrealized gain on the shares owned by the customer, an increase in the bank account balance, an increase in the virtual assets by the portfolio, and the like.

Then, the marketing device 5 sets an asset change level according to the change amount of the financial asset based on the financial asset change information (S604). For example, if there is an asset change of 100 million yen or more, asset change level A, 5
Level B from 100,000,000 yen to less than 100,000,000 yen, Level C from 10,000,000 yen to less than 50,000,000 yen, 3,000,000 yen or more to 100
A level less than $ 100 is set as level D. Then, the set asset fluctuation level is stored in the financial asset fluctuation information database 67.

Here, the financial asset fluctuation information database 6
FIG. As shown in FIG. 8, the financial asset change information database 67 includes a customer ID, a change date of a financial asset, and the above-described asset change level.

In the above example, when there is a change in the financial asset, the asset change information is transmitted from the financial company 7 to the marketing device 5, and the marketing device 5 determines the asset change level according to the financial asset change amount. If it is considered that the security of the customer's personal information cannot be secured by transmitting the amount of change of the financial asset through the communication network 4, the financial company 7 An asset fluctuation level may be set and transmitted to the marketing device 5.

Next, when the asset fluctuation level is set, the commodity determination rule database 60 is searched to obtain a commodity determination rule which is a rule for determining a commodity to be provided based on the asset fluctuation level (S605). . This product determination rule is represented by a combination of a product category rank and a product rank.

Here, the commodity decision rule database 60
Is shown in FIG. As shown in FIG. 9, the product determination rule database 60 includes an asset fluctuation level, a product category rank, and a product rank. For example, in FIG. 9, for a customer whose asset fluctuation level is B, whether the product is a combination of the product category rank A and the product rank B,
Alternatively, it indicates that a product having a combination of the product category rank D and the product rank A is selected as a product to be provided to the customer. That is, for a customer whose asset fluctuation level is B, a condominium in the middle price range is provided when providing a condominium of product category rank A, and a maximal condominium is provided for providing a clock of product category rank D. It means providing luxury watches.

When the product determination rule is obtained, a corresponding product corresponding to the obtained product determination rule is searched (S606). At this time, the sales request database 63 storing the product category rank, the product information database 64 storing the product information, and the financial product information database 65 storing the financial product information on the financial product are searched. Search for applicable products that meet the product determination rules.

Next, in order to determine whether or not the product category of the corresponding product exists in the customer's hobby preference information, the customer's hobby preference information stored in the demand information database 62 is searched ( S607).

If the product category of the corresponding product exists in the hobby / preference information, the corresponding product is selected as a product to be provided to the customer (S
608) If the product category of the corresponding product does not exist in the hobby / preference information, the product is not selected as the provision target product.

When the product to be provided is selected in this way, the product to be provided is registered in the marketing database 66, and based on the marketing database 66, a home page for the customer who has posted the product to be provided is generated (S609). At this time, not only a browser-compatible homepage but also a mobile-compatible homepage is generated.

Then, when a personal home page for the customer is generated, an offer mail is transmitted to the customer (S
610). The offer mail has a link to a personal homepage for the customer, and urges the customer to access the homepage for the personal customer.

In this way, when the home page for the individual customer on which the product to be provided is posted is provided and the offer mail is transmitted, the marketing processing by the marketing system 1 ends.

Next, a marketing system 1 according to this embodiment will be described with reference to the flowcharts of FIGS.
Will be described below.

First, the customer who received the offer mail,
If the user is interested in the provided product, the user accesses a home page for the individual customer and refers to the guide of the product to be provided on the home page (S1001).

Then, whether or not to make an estimate is selected based on whether or not the product to be provided is a product such as a car or a house which needs an estimate (S1002). The customer inputs a request for an estimate of the product to be provided from the home page for individual customers (S10).
03). When the marketing device 5 receives the estimation request, the marketing device 5 stores the estimation request in the purchase information database 68, and transmits a confirmation e-mail confirming that the application for the estimation has been accepted (S1004).

Then, the quote request is posted on the home page for the contract company (S1005), and the contract company accesses the home page for the contract company to acquire the quote request (S1006), and in response to the request for the quote, the contract company obtains the quote. Send the described e-mail to the customer (S
1007).

In this way, an estimate is created and the customer receives the estimate, or if the product does not require an estimate, the customer determines whether to purchase the product to be provided (S1008). Then, when purchasing the product to be provided, the customer inputs a purchase request for the product to be provided from the home page for individual customers (S100).
9). Upon receiving this purchase request, the marketing device 5 stores the purchase request in the purchase information database 68, and transmits a confirmation mail confirming that the purchase application has been accepted (S1010).

The purchase request is posted on the contracted company homepage (S1011), and the contracted company accesses the contracted company homepage and acquires the purchase request (S1012). The contracting company sends the provided product to the customer based on the purchase request (S1013), and collects the price of the provided product (S1014).

At this time, the contract company information database 69
Is set to cause the marketing system 1 to perform the collection of the payment, the marketing device 5 can perform a credit transaction with the credit card company via the credit network. It confirms whether or not the credit transaction is possible, and collects the money by the credit transaction.

When the purchase and sale of the product to be provided are completed, the contracting company sends a completion notification to the effect that the purchase and sale of the product has been completed to the marketing device 5 (S1015), and the completion notification is stored in the purchase information database 68, (S1016).

On the other hand, in step S1008, even if the customer does not purchase the product to be provided, a completion notification indicating that the customer did not purchase is transmitted (S1005) and stored in the purchase information database 68 (S1016).

When the customer decides to purchase or not purchase the product to be provided, the purchase processing by the marketing system 1 ends.

As described above, the marketing system 1 of the present embodiment can perform marketing corresponding to the client's asset fluctuation by the asset fluctuation information from the financial company, and can also use the hobby / preference information to store the product information matching the client's hobbies and preferences. Can be provided.

Further, by setting the product category rank and the product rank and determining the product determination rule by combining them, it is possible to provide the customer with a product according to the customer's asset fluctuation amount.

In the above example, if there is a change in the financial assets, the asset change information is transmitted from the financial company 7 to the marketing device 5, and the marketing device 5 determines the asset change level according to the financial asset change amount. Although the setting is made, the financial company 5 may set the asset fluctuation level and transmit it to the marketing device 5. In this way, since the record of the asset change is not transmitted to the marketing device 5, it is possible to enhance the security of the personal information of the customer as compared with the case where the information is transmitted through the communication network.

A program for realizing each processing of the marketing apparatus in the above-mentioned marketing system can be stored in a recording medium, and by reading this recording medium by a computer system, the program is executed to execute the program. Of the marketing device in the marketing system described above while controlling the processing. Here, the recording medium includes a device capable of recording a program, such as a memory device, a magnetic disk device, and an optical disk device.

[0072]

As described above, according to the marketing method and the marketing apparatus of the present invention, it is possible to provide merchandise information suitable for a customer's hobbies and preferences in accordance with the customer's asset fluctuation.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an embodiment of a marketing system according to the present invention.

FIG. 2 is a flowchart for explaining a member registration process in the marketing system 1 shown in FIG.

FIG. 3 is a flowchart illustrating a registration process of merchandise information by a contract company in the marketing system 1 shown in FIG. 1;

FIG. 4 is a diagram for explaining a configuration of a sales request database.

FIG. 5 is a diagram for explaining a configuration of a product information database.

FIG. 6 is a flowchart for explaining a marketing process in the marketing system 1 shown in FIG. 1;

FIG. 7 is a flowchart for explaining a marketing process in the marketing system 1 shown in FIG. 1;

FIG. 8 is a diagram for explaining a configuration of a financial asset change information database.

FIG. 9 is a diagram for explaining a configuration of a product determination rule database.

FIG. 10 is a flowchart for explaining a purchase process for a customer in the marketing system 1 shown in FIG. 1;

11 is a flowchart illustrating a process of purchasing a customer in the marketing system 1 shown in FIG.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Marketing system 2 Terminal 3 Mobile phone 4 Communication network 5 Marketing device 6 Database device 7, 7a ... 7n Financial company 8 Contract company 51 Asset fluctuation level setting means 52 Applicable goods determination means 53 Offering goods selection means 54 Product information provision Means 71 Customer Information Database 72 Financial Product Transaction Database 73 Financial Product Information Database 60 Product Determination Rule Database 61 Integrated Customer Information Database 62 Request Information Database 63 Sales Request Database 64 Product Information Database 65 Financial Product Information Database 66 Marketing Database 67 Financial Asset Fluctuation Information Database 68 Purchase information database 69 Contracted company information database

Continuation of the front page (72) Inventor Masahiko Yamaura 5-24-3 Higashi Omiya, Omiya City, Saitama Prefecture Rene Tokyo University 302 F term (reference) 5B049 BB11 CC00 CC08 EE05 GG02 5B055 CC00

Claims (6)

[Claims] Claims 1. A marketing method for promoting purchase of a product by providing product information in response to a change in the customer's asset, wherein the customer's asset fluctuates in a financial company in which the customer has a trading account. Sometimes, the asset fluctuation amount is obtained via a communication network, and the asset fluctuation level is set based on the asset fluctuation amount. Storing a product determination rule for determining a product to be provided to the customer based on the asset change level based on the asset change level. The product corresponding to the searched product determination rule is stored in a product information database in which product information is stored. A corresponding product determination step of searching for and determining the customer, from among the relevant products determined in the relevant product determination step, providing the customer to the customer based on hobby and preference information on the customer's hobbies and preferences. A providing target product selecting step of selecting a providing target product; and a product information providing step of providing product information of the providing target product selected in the providing target product selecting step to the customer via a communication network. Marketing method characterized by the following. 2. The product decision rule stored in the product decision rule database includes a product category rank set according to a price range of each product category and a product rank set according to a price of each product. 2. The marketing method according to claim 1, wherein the marketing method is defined based on the following. 3. The asset fluctuation level setting step, wherein when the customer's assets fluctuate, an asset fluctuation level set by the financial company based on the asset fluctuation amount is acquired via a communication network. The marketing method according to claim 1 or 2, wherein: 4. A marketing device for promoting purchase of a product by providing product information in response to a change in the asset of the customer, wherein the asset of the customer has changed in a financial company in which the customer has a transaction account. Sometimes, the asset fluctuation amount is obtained via a communication network, and an asset fluctuation level setting means for setting an asset fluctuation level based on the asset fluctuation amount; and the asset fluctuation level set by the asset fluctuation level setting means. A product determination rule database for storing a product determination rule for determining a product to be provided to the customer, based on the asset change level, and searching for the product determination rule stored in the product determination rule database, The product corresponding to the searched product determination rule is determined by searching the product information database storing the product information. And a target product to be provided to the customer based on hobbies and preference information relating to the hobbies and preferences of the customer from the relevant products determined by the relevant product determination means. A marketing apparatus comprising: a target product selection unit; and a product information providing unit that provides the product information of the target product selected by the target product selection unit to the customer via a communication network. . 5. The product determination rule stored in the product determination rule database includes a product category rank set according to a price range of each product category and a product rank set according to a price of each product. The marketing device according to claim 4, wherein the marketing device is defined based on the following. 6. The method according to claim 6, wherein said asset fluctuation level setting means acquires, via a communication network, an asset fluctuation level set by said financial company based on the asset fluctuation amount when said client's assets change. The marketing device according to claim 4 or 5, wherein