JP2002007697A - Financial information providing system and its web information providing method - Google Patents

Abstract

(57) [Summary] [Problem] To link information on customer attributes and histories (customer attribution information) managed by a bank with web information provided from other WWW servers, and to obtain customer attributes of each customer. Or, provide the customer with financial information unique to the customer based on the history. SOLUTION: Customer attribution information is stored in a customer database 122.
A bank server 100 that stores web information, a WWW server 300 that provides web information, and a customer PC 200 that registers customer attribution information in the bank server 100 and receives web information provided from the WWW server 300, mutually via a network 500. A financial information providing system connected to a client PC stored in a customer database 122 when web information is requested from a client PC to a WWW server.
Means for referring to the customer attribution information corresponding to C200, and the contents of the web information corresponding to the referred customer attribution information to W
Means for providing from the WW server 300 to the customer PC 200.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a financial information providing system and a web information providing method thereof.

[0002]

2. Description of the Related Art Conventionally, there are services that can provide bank services using the Internet.

[0003]

However, information on customer attributes managed by the bank (customer attribution information)
There is no system that connects a customer with web information provided from another WWW server and provides the customer with financial information unique to the customer based on the customer attribute of each customer. .

[0004] Further, there is a problem that there is no system that allows a customer to negotiate a condition for web information provided by a WWW server via a network using customer attribution information managed by a bank. .

In view of the above problems, an object of the present invention is to link customer attribution information managed by a bank and web information provided from a WWW server, and to provide a customer-specific financial information based on each customer attribute. An object of the present invention is to provide a financial information providing system capable of providing information to a customer and a web information providing method thereof.

In view of the above problems, it is an object of the present invention to make it possible for a customer to negotiate conditions on Web information provided by a WWW server via a network using customer attribution information managed by a bank. It is an object of the present invention to provide a financial information providing system and a web information providing method thereof.

[0007]

According to a first aspect of the present invention, there is provided a bank server for storing customer attribution information in a customer database, a WWW server for providing web information, and registering the customer attribution information in the bank server. And a customer PC receiving the provision of the web information from the WWW server is a financial information providing system interconnected via a network, wherein the customer PC requests the WWW server for the web information. Means for referring to the customer attribution information corresponding to the customer PC stored in the customer database, and transmitting the contents of the web information corresponding to the referred customer attribution information from the WWW server to the customer PC. And means for providing

[0008] Thereby, information on the attributes and histories of the customers managed by the bank (customer attribution information) and other W
By linking the web information provided from the WW server to the customer, financial information unique to the customer based on the customer attribute or history of each customer can be provided to the customer.

According to a second aspect of the present invention, there is provided a bank server for storing customer attribution information in a customer database, a WWW server for providing web information, and registering the customer attribution information in the bank server and transmitting the customer attribution information from the WWW server to the bank server. Means for transmitting a web information request including input data from the customer PC to the WWW server, wherein the customer PC receiving the web information is interconnected via a network; Means for referring to the customer attribution information managed in the customer database, means for searching output data corresponding to the input data from a rule database, the referred customer attribution information and the searched output. Means for providing the contents of the web information corresponding to data from the WWW server to the customer PC Characterized by comprising a.

[0010] Thus, using the customer attribution information managed by the bank and a predetermined rule database, output data corresponding to the input data input by the customer is searched by a function such as a recommendation engine and the output data is provided to the customer. Because it can be returned, the customer can negotiate conditions for the web information provided by the WWW server via the network.

According to a third aspect of the present invention, in the financial information providing system according to the first and second aspects, the customer attribution information includes a customer ID, an e-mail address, a password, a business category, a business history, and a transaction history. , Capital, number of employees, headquarters location, past one year use, sales, income before tax, cost of sales, interest-bearing debt balance, inventory, etc., and / or historical information And

This clarifies that the customer attribution information is customer-specific information including qualitative information such as information on customer attributes and history, and registers such customer attribution information in a customer database, Can work with information.

According to a fourth aspect of the present invention, in the financial information providing system according to the first or second aspect, the network includes the Internet.

According to a fifth aspect of the present invention, in the financial information providing system according to the first and second aspects, the web information includes interest rate information, business consultant information, securities information, guarantee information, exchange information, and / Or
It is characterized by including at least one of information on market information.

[0015] Thus, by linking the customer attribution information stored in the customer database with various financial-related web information, extremely effective information can be provided to the customer.

The invention according to claim 6 is a bank server that stores customer attribution information in a customer database, a WWW server that provides web information, registers the customer attribution information in the bank server, and stores the customer attribution information in the WWW server. A method of providing web information in a financial information providing system in which a customer PC receiving provision of web information is interconnected via a network, wherein the customer PC requests web information from the WWW server. Referring to the customer attribution information corresponding to the customer PC stored in the customer database; and transmitting the contents of the web information corresponding to the referenced customer attribution information to the WWW.
Providing from the server to the customer PC.

Thus, the information (customer attribution information) on the attributes and history of the customer managed by the bank and the other W
By linking the web information provided from the WW server to the customer, financial information unique to the customer based on the customer attribute or history of each customer can be provided to the customer.

According to a seventh aspect of the present invention, there is provided a bank server for storing customer attribution information in a customer database, a WWW server for providing web information, and registering the customer attribution information in the bank server, and A method of providing web information in a financial information providing system in which a customer PC receiving web information is connected to each other via a network, the web information request including input data from the customer PC to the WWW server Transmitting, the step of referring to the customer attribution information managed in the customer database, the step of searching output data corresponding to the input data from a rule database, the step of referring to the customer attribution information and The contents of the web information corresponding to the retrieved output data are stored in the WWW server. Characterized in that it comprises the steps of providing to the customer PC from.

Thus, using the customer attribution information managed by the bank and a predetermined rule database, output data corresponding to the input data input by the customer is searched by a function such as a recommendation engine and the output data is provided to the customer. Because it can be returned, the customer can negotiate conditions for the web information provided by the WWW server via the network.

According to an eighth aspect of the present invention, in the web information providing method according to the sixth or seventh aspect, the customer attribution information includes a customer ID, an e-mail address, a password, a business category, a business history, and a transaction history. , Capital, number of employees, headquarters location, past one year use, sales, income before tax, cost of sales, interest-bearing debt balance, inventory, etc., and / or historical information And

Thus, it is clarified that the customer attribution information is customer-specific information including qualitative information such as information on the attributes and history of the customer. Such customer attribution information is registered in a customer database, Can work with information.

According to a ninth aspect of the present invention, in the web information providing method according to the sixth or seventh aspect, the network includes the Internet.

According to a tenth aspect of the present invention, in the web information providing method according to the sixth or seventh aspect, the web information includes interest rate information, business consultant information, securities information, guarantee information, exchange information, and / Or
It is characterized by including at least one of information on market information.

[0024] Thus, by linking the customer attribution information stored in the customer database with various financial-related web information, extremely effective information can be provided to the customer.

[0025]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is a diagram showing an example of the configuration of a financial information providing system to which the present invention is applied, and conceptually shows only a portion of the configuration of the system related to the present invention.

The financial information providing system includes at least a bank server 100, a customer PC 200, and a WWW server 300 mutually connected via a network 500.
And a recommendation engine server 400.

The bank server 100 has a function of providing various bank services to the customer PC 200 managed by the bank and storing customer attribution information in the customer database 122. The customer PC 200 is a terminal managed by the customer, and has a function of accessing the bank server 100 and the WWW server 300 via the network 500. Here, the customer PC 200 has a connection function to a network 500 such as the Internet, and is capable of browsing web information (for example, Internet Explorer (product name) of Microsoft (company name), Netscape Communications (company name) ) May be any of a commercially available personal computer, a PDA or the like equipped with an information processing device, a paging terminal, a PHS terminal, and a portable terminal. In particular, the portable terminal has an e-mail function, A terminal having an Internet access function may be used (for example, an i-mode (service name) terminal provided by NTT DoCoMo, Inc. (company name)). The WWW server 300 is connected to the customer PC 2 via the network 500.
00 has the function of providing web information to
An extension mechanism such as a common gateway interface CGI has a function of requesting the recommendation engine server 400 to perform processing and returning the processing result to the customer PC 200. The recommendation engine server 400 has a function of executing a process in response to a processing request from the WWW server 300 and returning the result, and in particular, has the following functions. First, the customer database 122 is accessed, and the matching between the customer attribution information and the web information is executed based on the ID, password, and the like of the customer PC 200. Second, WWW
The access record of the server 300 (for example, browsing page, browsing date and time, browsing HP information such as browsing frequency, etc.) is stored in the customer database 122 as history information. Third, the customer database 122 is accessed by accessing the rule DB and searching for customer-specific information based on the credit program, and providing additional information reflecting additional input from the customer.
Provide web information linked with. Network 50
0 has a function of interconnecting the bank server 100, the customer PC 200, and the WWW server 300. For example, the Internet, an intranet, a LAN, a public telephone network (including both analog / digital), PDC /
It may include any one of a mobile line switching network / mobile packet switching network such as a PDC-P system, a radio paging network, a PHS network, and a satellite communication network.

Next, the bank server 100 in FIG.
WW server 300 and recommendation engine server 40
0 will be described in detail with reference to FIGS.

FIG. 2 shows a bank server 1 to which the present invention is applied.
100 is a diagram illustrating an example of a configuration of No. 00, and conceptually illustrates only a portion related to the present invention in the configuration.

The bank server 100 of the present invention has at least a programmed main control unit (control means, hereinafter abbreviated as CPU) 102 for controlling at least the entire system.
And an input device 10 that is connected to the CPU 102 via the bus 104 and includes various pointing devices such as a mouse, a keyboard, an image scanner, and a digitizer.
6. Display device 108 used to monitor input data, output device 110 such as a printer that outputs various audit results and other data, and communication lines (including wired / wireless, LAN / Internet, analog / digital, etc.) It comprises a communication port 112 composed of a modem, terminal adapter, DSU or the like to be connected. Also, the input device 10
6. The display device 108 and the output device 110 may be connected to the CPU 102 via input / output interfaces.

The CPU 102 has an operating system (OS)
g System), a program defining various processing procedures, etc., and an internal memory for storing required data. These programs perform information processing for executing various banking services. Do. The storage device 120 is a storage device such as a fixed disk device such as a hard disk, a flexible disk, or an optical disk, and stores various tables, files, and databases used for various processes, and stores at least the customer database 122. Customer database 122
Stores data including customer attribute information.

FIG. 5 shows the customer database 122
FIG. 3 is a diagram showing an example of data items stored in a. As data items stored in the customer database 122, for example, member ID, e-mail address, password, customer attribute information (for example, business type, business history, transaction history, capital, number of employees, head office location, usage record in the past year) At least one of financial items (for example, sales, profit before tax, cost of sales, balance of interest-bearing debt, inventory, etc.), and history information (for example, browse HP information such as browse page, browse date and time, browse frequency, etc.).
Including one.

The input device 106 is an input means for the user to input various data, and includes a mouse, a keyboard, an image scanner and the like for selecting a menu on the screen and inputting data. The display device 108 has a function of displaying various menu screens, processing results, and the like, and is, for example, a display device. The output device 110 has a function of outputting a processing result to a medium such as paper, and is, for example, a printer device. The communication port 112 has a function of communicating data with another terminal or the like via a communication line. In addition, the bank server 100 includes peripheral devices such as a printer, a display, and an image scanner in an information processing device such as a known personal computer, a workstation, a PHS terminal, a mobile phone terminal, a mobile communication terminal, or an information processing terminal such as a PDA. It may be realized by connecting and installing software (including programs, data, and the like) for realizing various processes of the bank service in the information processing apparatus.

FIG. 3 is a diagram showing an example of functional blocks of the WWW server 300 shown in FIG.
Only the part related to the present invention among the functions 0 is conceptually shown. Here, each functional block described in FIG. 3 is a CP in the hardware configuration of the WWW server 300.
It is realized by a program executed by a control device such as U, a memory device, a storage device, or the like.

The WWW server 300 includes at least a web information providing unit 302, a web information file 304,
And a CGI unit 306. Web information provider 3
02 is the web information file 304 and the CGI unit 30
6 and has a function of editing and providing the customer PC 200 with the web information recorded in the web information file 304 and the processing result of the processing requested to the recommendation engine server 400 via the CGI unit 306. . Here, the provided web information is preferably related to financial information, and includes, for example, various interest rate information, business consultant information, securities information, guarantee information, exchange information, market economy, and the like. The web information stored in the web information file 304 may be provided to the customer PC 200 as it is, or the web server may provide the customer PC 200 with further edited processing results of the recommendation engine server 400. Good. Web information file 30
Reference numeral 4 is connected to the web information providing unit 302 and has a function of storing web information. The CGI unit 306 has an interface function between another device and the WWW server 300.

FIG. 4 is a diagram showing an example of a functional block of the recommendation engine server 400 shown in FIG. 1, and conceptually shows only a part of the function of the recommendation engine server 400 which relates to the present invention. Here, each functional block described in FIG. 4 is realized by a program or the like executed by a control device such as a CPU in the hardware configuration of the recommendation engine server 400, a memory device, a storage device, or the like.

The recommendation engine server 400 includes at least a customer database access unit 402, a recommendation engine unit 404, and a rule database 406.
And a WWW server communication unit 408. The customer database access unit 402 stores the customer database 1
It has a function of accessing, accessing, and registering, referencing, updating, and deleting data in the customer database 122. WWW
The server communication unit 408 is connected to the recommendation engine unit 404 and has a function of communicating with the WWW server 300. The recommendation engine unit 404 includes a customer database access unit 402, a rule database 406, and a W
It is connected to the WW server communication unit 408, has a function of accessing the customer database 122, and matching the customer attribution information with the web information based on the ID, password, and the like of the customer PC 200. Further, in accordance with a processing request from the WWW server 300, the user accesses the rule database 406 to search for customer-specific information based on the credit program, or returns additional information reflecting the additional condition input from the customer. It provides web information linked with the customer database 122. Further, the WWW server 300
May be stored in the customer database 122 as history information, and the history information may be linked with the web information.

FIG. 6 shows the rule database 40
6 is a diagram showing an example of data items stored in No. 6; FIG. As data items stored in the rule database 406,
For example, input conditions (various conditions input from the customer PC 200), reference data (related data items in the customer database 122 or the rule database 406), data conditions (condition branch information), and output data (output corresponding to the input conditions) Data). The rule database 406 may be configured as a relational database RDB, or data may be configured using an existing social filtering technology.

Next, an example of the operation of the financial information providing system according to the present embodiment configured as described above will be described.
This will be described in detail below with reference to FIGS.

In the system of the present invention, for example, a bank server 100 independent of the customer PC 200 and the WWW server 300 is provided on a network 500 such as the Internet, and customer attribution information (customer attributes and history) stored in the bank server 100 is provided. Information from the WWW server 300 in cooperation with customer specific information including qualitative information such as information).
200 to provide web information. Also,
The customer PC 200 is provided with web information according to its own attribute information from the WWW server 300 without transmitting customer attribution information to the WWW server 300. At this time, the customer attribution information of the bank server 100 can be linked using the own ID, password, or the like as a key. Further, the customer PC 200 can make a product application via the network 500 based on the web information provided from the WWW server 300, input further conditions and receive an answer (by the function of the recommendation engine server 400). Can automatically execute a condition negotiation with the WWW server 300.

FIG. 7 is a diagram showing an example of a communication sequence when the customer PC 200 registers customer belonging information in the customer database 122 in the financial information providing system to which the present invention is applied. Only portions relevant to the invention are conceptually shown.

First, a member registration is performed by transmitting data including customer attribution information from the customer PC 200 to the bank server 100, and a member ID, an e-mail address, a password, and the like required in subsequent procedures are registered (Step S7)
02).

Next, the bank server 100 registers the customer attribution information in the customer database 122 (step S704).

FIG. 8 is a diagram showing a financial information providing system to which the present invention is applied.
FIG. 7 is a diagram illustrating an example of a communication sequence when browsing web information provided by the Web page 0, and conceptually illustrates only a portion related to the present invention in the communication sequence.

First, the customer PC 200 is connected to the WWW server 3
A request for browsing web information is made to 00 (step S802). At this time, the user of the customer PC 200 may access the information by specifying the URL of the desired WWW server 300 by operating the browser software installed on the customer PC 200, and further, link information to the related WWW server 300. May be accessed first, and a desired WWW server 300 may be accessed from the page by the hyperlink function.

Next, from the WWW server 300 to the customer PC
200 is provided to the user 200 (step S8).
04).

Next, web information is displayed on the customer PC 200 by the browser software (step S806). For example, when the user browses the web information of interest rate information, "finance interest rate 6.25%" is displayed.

Next, in the customer PC 200, the user inputs data for a desired input item (step S808). For example, in the above-described example, the user inputs “insert time deposit as collateral” for the input item of the loan condition.

Next, the WWW server 300 queries the recommendation engine server 400 for output data corresponding to the input data using the CGI function (step S810).

Next, the recommendation engine server 400
Accesses the customer database 122 and the rule database 406 (step S812, step S812).
814), output data corresponding to the input data is created (step S816), and the output data is transmitted to the WWW server 300 (step S818). For example,
In the example described above, “financing interest rate 2.75%” is returned as output data.

Next, in the WWW server 300, the received output data is edited into web information (step S8).
20), providing web information including the output data to the customer PC 200 (step S822).

Next, the web information is displayed on the customer PC 200 by the browser software using the web information (step S824). The user of the customer PC 200 checks the output data, determines whether or not to reset the input items, and inputs data again for the input items as necessary (return to step S808).

(Other Embodiments) In the above-described embodiment, an example has been described in which the WWW server 300 interfaces with the recommendation engine server 400 using CGI, but the present invention is limited to this case. However, in another embodiment, an interface may be obtained by using other interface means.

In the above-described embodiment, the case where each embodiment is realized independently has been described as an example. However, the present invention is not limited to this case. It is obvious for those skilled in the art that the embodiments can be implemented in appropriate combinations.

In the above-described embodiment, the case where the WWW server 300 and the recommendation engine server 400 are realized as independent housings has been described as an example. However, the present invention is not limited to this case. It is obvious to those skilled in the art that in the embodiment described above, these can be appropriately combined with each other and implemented as one housing.

In the above embodiment, the WWW server 300
Web information (homepage) provided by the customer PC
The case of using by displaying with 200 browser software has been described as an example, but the present invention is not limited to this case, and in other embodiments, e-mail, telephone, FAX, other well-known The information may be directly transmitted to the communication device owned by the user by the communication unit.

Various modifications other than those described above are possible. However, as long as the modification is based on the technical idea described in the claims, the modification falls within the technical scope of the present invention.

[0059]

As described above in detail, according to the present invention, information (customer attribution information) on the attributes of customers managed by a bank is linked to web information provided from a WWW server, Customer-specific financial information based on each customer attribute can be provided to the customer.

Further, according to the present invention, a customer can negotiate a condition for web information provided by a WWW server via a network using customer attribution information managed by a bank. That is, using the customer attribution information managed by the bank and a predetermined rule database, it is possible to search for output data corresponding to the input data input by the customer by a function such as a recommendation engine and return the output data to the customer. It is possible for customers to provide web information provided by a WWW server via a network,
Terms can be negotiated.

[Brief description of the drawings]

FIG. 1 is a diagram showing an example of the configuration of a financial information providing system to which the present invention is applied.

FIG. 2 is a diagram showing an example of a configuration of a bank server 100 to which the present invention is applied.

FIG. 3 is a diagram showing an example of functional blocks of a WWW server 300 shown in FIG.

FIG. 4 is a diagram showing an example of functional blocks of a recommendation engine server 400 shown in FIG.

FIG. 5 is a diagram showing an example of data items stored in a customer database 122.

FIG. 6 is a diagram showing an example of data items stored in a rule database 406.

FIG. 7 is a diagram showing an example of a communication sequence when the customer PC 200 registers customer attribution information in the customer database 122 in the financial information providing system to which the present invention is applied.

FIG. 8 is a diagram showing an example of a communication sequence when the customer PC 200 browses web information provided by the WWW server 300 in the financial information providing system to which the present invention is applied.

[Explanation of symbols]

 100 Bank Server 102 CPU 104 Bus 106 Input Device 108 Display Device 110 Output Device 112 Communication Port 120 Storage Device 122 Customer Database 200 Customer PC 300 WWW Server 302 Web Information Providing Unit 304 Web Information File 306 CGI Unit 400 Recommended Engine Server 402 Customer Database Access section 404 Recommendation engine section 406 Rule database 408 WWW server communication section 500 Network

Claims (10)

[Claims] 1. A bank server for storing customer attribution information in a customer database; a WWW server for providing web information; and registering the customer attribution information in the bank server and registering the W
Customer PC receiving the web information from a WW server
And a financial information providing system mutually connected via a network, wherein when the client PC requests web information to the WWW server, the client PC corresponds to the client PC stored in the customer database. Means for referring to the customer attribution information, and means for providing the content of the web information corresponding to the referred customer attribution information from the WWW server to the customer PC. Financial information providing system. 2. A bank server for storing customer attribution information in a customer database; a WWW server for providing web information; and registering the customer attribution information in the bank server and registering the W
Customer PC receiving the web information from a WW server
Means for transmitting a web information request including input data from said customer PC to said WWW server, said financial information providing system being interconnected via a network; and Means for referring to customer attribution information; means for searching output data corresponding to the input data from a rule database; contents of the referenced customer attribution information and the web information corresponding to the retrieved output data To the WW
Means for providing from the W server to the customer PC. 3. The financial information providing system according to claim 1, wherein the customer attribution information includes a customer ID, an e-mail address, a password, an industry, a business history, a transaction history, a capital, the number of employees, A financial information providing system including at least one of a head office location, a past one-year utilization record, net sales, income before tax, cost of sales, interest-bearing debt balance, inventory, etc., and / or history information. 4. The financial information providing system according to claim 1, wherein said network includes the Internet. 5. The financial information providing system according to claim 1, wherein the web information is information on interest rate information, business consultant information, securities information, guarantee information, exchange information, and / or market information. A financial information providing system comprising at least one of the following. 6. A bank server for storing customer attribution information in a customer database, a WWW server for providing web information, and registering the customer attribution information in the bank server and registering the W
Customer PC receiving the web information from a WW server
And a web information providing method in a financial information providing system mutually connected via a network, wherein when the customer PC requests web information to the WWW server, the web information is stored in the customer database. Referring to the customer attribution information corresponding to the customer PC; and providing the content of the web information corresponding to the referenced customer attribution information from the WWW server to the customer PC. Web information providing method characterized by the above-mentioned. 7. A bank server for storing customer attribution information in a customer database, a WWW server for providing web information, and registering the customer attribution information in the bank server and registering the W
Customer PC receiving the web information from a WW server
And a web information providing method in a financial information providing system mutually connected via a network, wherein the customer PC transmits a web information request including input data to the WWW server; and the customer database Referring to the customer attribution information managed in the following; searching for output data corresponding to the input data from a rule database; corresponding to the referred customer attribution information and the searched output data. The content of the web information is stored in the WW
Providing from the W server to the customer PC. 8. The web information providing method according to claim 6, wherein the customer attribution information includes a customer ID, an email address, a password, a business category, a business history, a transaction history, a capital, the number of employees, A web information providing method comprising at least one of a headquarters location, a past one-year utilization record, sales, profit before tax, cost of sales, a balance of interest-bearing debt, inventory, etc., and / or history information. 9. The web information providing method according to claim 6, wherein the network includes the Internet. 10. The web information providing method according to claim 6, wherein the web information is information on interest rate information, business consultant information, securities information, guarantee information, exchange information, and / or market information. A web information providing method comprising at least one of the following.