JP2002279171A - Method of collecting, distributing, receiving and displaying information on bank access by customer and bank communication system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To quicken campaigns and service guidance conforming to collected customer information by making it possible to collect, renew, distribute, receive and display customer information through a communication network. SOLUTION: A general center communication system 1 collects the contents of information on a plurality of items including bank access and names, which are obtained by subdividing customer information. The system 1 transfers the contents and uses new transferred customer information to update the customer information currently in memory. An office communication system 2 downloads, stores, and displays the collected customer information transferred from the system 1, and new customer information about each customer which is downloaded after display is transferred to the system 1. Further, the office communication system 2 erases the stored customer information and the new customer information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to a method for collecting customer information.
The present invention relates to a method of collecting, updating, and distributing by a distribution side through a two-way communication and a branch office, and a method of collecting, distributing, receiving, and displaying customer's bank usage information received and displayed by the branch, and a bank communication system.

[0002]

2. Description of the Related Art Conventionally, bank head offices and branch offices have ATMs.
(Automatic teller machine) is installed. At the bank where this ATM is installed, an accounting system for processing cash deposits and withdrawals, bank transfer remittances, etc., and a business system for processing customer attribute information Has been built. As this business system, for example, a management server and an integrated customer database file (MCIF: Marketing Customer Information Fi
le) system (appropriately abbreviated as MCIF system).

[0003] The accounting system includes a host computer device installed in a general system center, a bank headquarters, or the like;
A large number of automatic teller machines (A) in a business office as terminals accommodated in a closed communication network in the host computer device.
TM).

[0004] In the business system, collected information of the correspondence status of various banking transactions and campaigns including the use of ATMs at a plurality of head offices and branches and the service usage status (referred to as bank usage status as appropriate) for each customer. Are collected by MCIF systems such as integrated system centers and bank headquarters. This collection is performed by an MCIF system such as a general system center or a bank headquarters via a communication network from an MCIF system provided for each branch.

[0005] The database information of the bank use situation collected in this MCIF system (referred to as customer information as appropriate) is stored in an information recording medium, for example, a CD-ROM, and then mounted on a management MCIF system on the branch side. ing. After this, the management MCIF system and AT
When the customer arrives at the store, the sales campaign guide and the service (for example, prize offer) guide for giving a point are displayed on the ATM screen by the data transfer with the M.

[0006]

As described above, in the above-mentioned conventional example, although the customer information of the branch office can be collectively and updated by the integrated system center and the bank headquarters through the communication network, the collected customer information can be obtained. Is installed in the management MCIF system of the branch office through the information recording medium, so that the latest customer information cannot be promptly provided to the branch office. In other words, there is an inconvenience that it is difficult to provide a campaign or a service guide in response to the collected customer information.

The present invention solves such problems in the conventional technology, and collects, updates, and distributes information (customer information) on a customer's bank use status at a head office and a plurality of business offices through a communication network. In addition, the method of collecting and distributing customer banking information,
It aims to provide bank communication systems and programs.

[0008] Further, the present invention enables a sales office to receive and display newly collected customer information at all times, and to receive and display a campaign or service corresponding to the collected customer information promptly. And a method of receiving and displaying bank use status information, a bank communication system and a program.

[0009]

In order to achieve the above object, according to the present invention, an apparatus for collecting and distributing customer information in a unified manner (collection / distribution side) is provided through a two-way communication means. ,
Gathering individual customer transaction information from the device at the branch (the branch), transmitting the updated customer information to the branch,
In the method of collecting, distributing and receiving and displaying the customer's bank usage information, the branch is configured to receive and display the information, a plurality of items including the bank usage status and the name obtained by subdividing the customer information. Collecting and distributing the information content in the above, collecting and distributing the collected customer information to the branch side, and capturing the collected customer information transferred from the collection and distribution side by the branch side Reading the stored customer information of the customer and displaying the same when the device on the branch side recognizes the visit to the store including the start of use of the automatic teller machine by the customer; and A step of transferring the new customer information to the collection / distribution side by the branch; and the collection / distribution side adds the corresponding customer information currently stored in the transferred new customer information. Or be comprised of written replaced each step of the step is to provide a collection distribution and reception display method of bank customers usage information, wherein.

Here, in the step of collecting and distributing the customer information to the branch, the customer information is automatically transferred at a preset time, or the customer information is transmitted when the branch requests. Is transferred.

[0011] Further, the customer information transferred in response to a request from the branch is the information of only the customer specified by the branch, and the customer information transferred by the collection / distribution to the branch is It is characterized in that it is information content in preset items or information content in all stored items.

[0012] Further, new customer information for each customer obtained after the display of the customer information of the customer may be obtained from information on each customer relating to the status of use of the automatic teller machine, or may be obtained when a sales representative contacts the customer. And information input to the device on the sales representative side.

[0013] In the present invention, further, after the new branch information for each customer obtained after the display of the customer information of the customer is transferred to the collection / distribution side by the sales office, the customer information which is captured and stored is further stored. Erasing the new customer information.

On the other hand, according to the present invention, a device (collection / distribution side) that collectively collects and distributes customer information is transmitted from a device at a sales office (business side) via two-way communication means. A bank communication system configured to collect individual customer transaction information, transmit the updated customer information to the branch office, and receive the branch information, and the branch office is configured to receive the customer information. An integrated center communication system that collects and transfers information contents in a plurality of items including a usage status and a name, and rewrites currently stored customer information with new transferred corresponding customer information; When the collected customer information transferred from the integrated center communication system is captured and stored and displayed, and after this display, new customer information for each captured customer is transferred to the integrated center communication system. Moni, there is provided a bank communication system characterized in that it comprises a branch office communication system for erasing customer information and the new customer information is stored.

Here, the general center communication system and the sales office communication system use TCP /
It is characterized by being accommodated in an IP network.

Further, in the present invention, the collected customer information transferred from the integrated center communication system is fetched and stored, and when the customer's visit to the store, including the start of use of the automatic teller machine, is stored. And reads and displays the corresponding customer information.

Here, in the branch office communication system, new customer information for each customer taken in after display is:
The information is information obtained by using the automatic teller machine or information input in the sales office communication system.

As described above, according to the present invention, information (customer information) on the customer's bank usage status at the head office and a plurality of sales offices is collected, updated, and distributed through the communication network. Therefore, it is possible to promptly provide campaigns and service guidance corresponding to the collected customer information to the sales office.

Further, according to the present invention, the branch office always receives and displays newly collected customer information. Therefore, it is possible to receive and display campaigns and services that respond to the collected customer information.

[0020]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing an embodiment of a method for collecting, distributing, receiving and displaying a customer's bank usage information, a bank communication system and a program according to the present invention.

FIG. 1 is an external view showing a configuration according to an embodiment of the present invention. In FIG. 1, this example is an integration of an integrated center communication system 1 provided at a bank head office or a management center, a sales office communication system 2 provided at a bank branch or an ATM store, etc. in various places, and integration of customer information. It has a head office communication system 3 for processing (for example, customer information registration and version upgrade management), and a frame relay network 4 as a TCP / IP network to which these communication systems 1 to 3 are connected.

The integrated center communication system 1 shown in FIG.
MCIF server device 10 (1
0a, 10b), a management server 11 for executing basic computer processing, and collection and transfer of updated bank usage information (referred to as customer information in this embodiment as appropriate) for each customer. Database device 12
have. Furthermore, the integrated center communication system 1 is provided with a communication control device BCN13 for executing communication control with the frame relay network 4.

The office communication system 2 shown in FIG. 1 includes, for example, a router 20 having a firewall application for preventing intrusion and a LAN (10BASE-T standard) of a UNIX (registered trademark) workstation. Concentrator (hub) 21 that accommodates
It has a switch 22 and a small general-purpose computer 23 for various business processes.

Further, the branch communication system 2 has a database device 25 as a branch management MCIF system and a branch MCIF server 26 in the branch, and furthermore, an automatic teller machine (ATM) 27 in which a plurality is installed.
Is provided.

The database device 25 temporarily stores the collected information of the new bank use status of the customer who visits each branch and transfers it to the integrated center communication system 1. This is stored when the usage information collection information is downloaded.

Further, the office communication system 2 includes a UPS (uninterruptible power supply) for backing up a battery (not shown) to each device corresponding to the operation system (OS / Windows NT (registered trademark)), and various print outputs. Is generally provided.

The head office communication system 3 shown in FIG. 1 includes a router 30, a switch 31, a server 32, and an MCIF server (head office MCIF client) 33 in the head office.
And

The structure and transmission system of the frame relay network 4 shown in FIG. 1 are known, and a digital exchange (PB
X) is a communication network configuration developed from ISDN installed in a circuit network.

The frame relay network 4 may use another high-speed transmission system (for example, asymmetric digital transmission) or a high-speed communication system (for example, a gigabit high-speed data communication system). Is also good. In addition, when the traffic volume is small, the frame relay network 4 operates in an analog telephone network PSTN (Public Switched Telephony).
e Network) works similarly.

The server shown in FIG. 1 is obtained by adding a communication protocol function and a database tracking processing function to a general-purpose small-sized computer or a computer configuration.
Its operation is basically the same as that of a general-purpose small computer.

The configuration shown in FIG. 1 corresponds to a business system that processes bank use status collection information for each customer. The accounting system provided together with the business system is for processing cash deposits and withdrawals, bank transfer, etc. The business system and the accounting system are independent on the communication network configuration. ing. The accounting system is a core system of the bank, and even a small system change requires a huge amount of change work time and cost. Therefore, the present invention is implemented on a business system because it cannot be easily changed. As described above, since the accounting system is not directly related to the present invention,
Its illustration and description are omitted.

FIG. 2 is a block diagram showing an example of the configuration of the main part of the ATM 27. In FIG. 2, an ATM 27 includes an interface (I / F) circuit 41 and a microcomputer 4
2, memory 43, information recording medium drive device 44,
A video (V) -ROM 45 is provided. In addition, AT
The M27 includes a color display device (CRT or LCD) 46 configured as a touch panel, an input operation device 47, a hard disk device 48 serving as a database storing customer information, a speaker 49 for sound output, and an I / O circuit 50. I have.

The ATM 27 further includes a cash storage / withdrawal mechanism 51, a card reader / writer 52 for depositing / withdrawing,
A passbook reading / printing device 54 and a synthesized voice output circuit 55 are provided together with a font circuit 53 for storing, for example, a dot font for screen display.

The general center communication system 1, the sales office communication system 2, and the head office communication system 3 implement the present invention by a communication protocol or a program executed by the MPU. This communication protocol and program, together with the general-purpose TCP / IP communication protocol and program,
A dedicated communication protocol and a program for implementing the present invention are implemented in combination. In other words, general-purpose software packages (CD-ROM,
(An information recording medium such as an MO). The information recording medium also includes a solid-state semiconductor device such as a semiconductor memory and a digital signal processor (DSP).
Further, the above-described program transmitted on a communication network is also included in the scope of the present invention. Hereinafter, the operation of this embodiment will be described.

In FIG. 1, the integrated center communication system 1, the sales office communication system 2, and the head office communication system 3 are:
For example, the program protocol stack shown in FIG. 3 is executed.

FIG. 3 is a diagram for explaining a main part program / protocol stack having the configuration shown in FIG. (1) In the general center communication system 1, ・ Distribution control application ・ MCIF control application ・ OS (Windows NT) ・ TCP / IP (Transmission Control Protocol / Inte
r2 Protocol) (2) In the sales office communication system 2, ・ TCP / IP (communication protocol) ・ OS (Windows NT) ・ Distribution application (ATM27) and sales office MCI
Execution of file transfer (distribution file) with F server 26 This transfer target file includes a moving image (initial screen), a still image (transmitting screen), a still image (customer-specific screen), a telop (initial screen), This is a Zengin information file.・ Distribution control application ・ Distribution file (registration of file to be distributed and previous generation file) ・ MCIF application (search / answer of customer attribute information) ・ MCIF control application ・ Sales office MCIF (MCIF search of office by database engine) ( 3) In the ATM 27, ・ TCP / IP ・ Communication application for accounting transactions ・ OS (Windows NT) ・ Middleware to absorb OS differences ・ Business application (for executing accounting transactions) ・ MCIF-linked file delivery / video phase

According to the program protocol stack of (1) to (3), in the MCIF linkage, a sequence of customer information (collection information of bank use status) request and a response of customer information are executed, and In the distribution, a sequence of a distribution request and a distribution reply is executed.

The head office communication system 3 registers and segments customer segment information (individual information obtained by subdividing collected information (customer information) on bank usage status) into the integrated center communication system 1, and manages the integrated center communication system 1. Is executed to acquire customer visit information from the customer.

Each small general-purpose computer or server shown in FIG. 1 is obtained by adding a communication protocol function, a database tracking processing function, and the like to the general-purpose small computer or computer configuration, and has basically the same configuration as the operation.

The frame relay network 4 executes a packet exchange procedure (such as the X.25 protocol) according to the ITU-T recommendation.

FIG. 4 is a diagram showing the processing content between the general center communication system 1 and the sales office communication system 2, and FIG. And a flowchart of an upload procedure.

In FIG. 4, the ATM 27 in the sales office communication system 2 is a database management device 25 and a sales office MCIF server 26 (see FIG. 1) which are information on the customer using the ATM 27 (see FIG. 8). ). Also, as explained next,
The processing corresponding to the customer segment from the database device 25 and the branch office MCIF server 26 and the screen display of the contents are performed. This is, for example, screen display guidance of a prize providing service or an event, or issuance of a scratch card described below.

Next, in FIG. 4 and FIG. 5, the sales office communication system 2 judges the acquisition schedule of the customer information collected by the integrated center communication system 1 (step S1, FIG. 5 (hereinafter abbreviated)). S2). This is, for example,
This is a case where all the customer information using this branch is taken in when the branch is opened. Also, if the customer has ATM2
When a passbook or bank card is inserted into 7, the customer information of only this customer is additionally taken in.

After the determination in step S2, the customer information from the integrated center communication system 1 is transmitted to the office communication system 2.
Downloads. This download includes customer segment information (individual information obtained by subdividing collected information (customer information) on bank use status), automatic download of contents, and automatic download of a schedule file, as shown in FIG. These are executed using an FTP (File Transfer Protocol) file as shown in step S3 in FIG.

The database device 25 (FIG. 1), which is an office management MCIF system of the office communication system 2, uses the customer information obtained by this download as a download folder.
Reference). In the office communication system 2, FTP
If the acquisition of the file fails (Step S4: No),
The process shifts to step S9 to create a failure report of the acquisition of the FTP file, then writes the FTP file, and notifies the integrated center communication system 1 of the download result file by the upload folder (step S10).

In the sales office communication system 2, if the FTP file is successfully obtained (step S4: Yes), the FT
The P file (corresponding to the currently stored customer information) is deleted, and the downloaded center file is notified to the integrated communication system 1 (step S5). In this case, for example, the integrated center communication system 1 sets a flag to rewrite the currently stored customer information.

Next, in the office communication system 2, the FTP
If the file deletion is successful (step S6: Yes),
Management folder (database device 25 which is a branch management MCIF system and branch MCIF server 26 / FIG. 1)
(See step S7). If this storage is successful (step S7: Ye
s) Then, the process proceeds to step S9 to create a success report of the FTP file acquisition, write the FTP file, and notify the download result file to the integrated center communication system 1 by the upload folder (step S10).

It should be noted that if the acquisition failed in step S4 (No) and if the deletion failed in step S6 (N
o) and when storage failed in step S8 (No)
Shifts to step S9, creates a failure report, then writes an FTP file, and notifies the integrated center communication system 1 of the download result file via the upload folder (step S1).
0).

As described above, in the branch office communication system 2, the database unit 2 of the branch office management MCIF system is used.
5 and the branch MCIF server 26 fetch customer information from the integrated center communication system 1, as shown in FIG.
A pop-up screen for notifying sales representatives of customer visits, control functions for each customer segment, a pop-up screen customer segment name display, and store visit status display are implemented.

FIG. 6 is a flowchart of a detailed procedure for uploading customer information in the sales office communication system 2. FIG.
In step S20, the small general-purpose computer 23 of the office communication system 2 checks the schedule of the office MCIF server 26 (step S20). If the branch MCIF server 26 is stopped (step S21: Yes), the current customer information is extracted from the database 25 of the branch management MCIF system. Here, the current customer information is after the business closing time of the business office. In this case, the current customer information is collected information of the bank usage status for each customer up to the day.

When the collection information (customer information) of the bank usage status for each customer up to the day is successfully obtained (step S)
23: Yes), the sales office MCIF server 26 outputs customer information from each customer visit to the CSV (Comma Separa).
ted Value) file (step S24).
Next, in the case of the acquisition failure in step S24 (No), after the CSV file processing in step S24, each report is created, and a success report of the acquisition of the FTP file is created (step S25). After writing, this download result file is stored in the integrated center communication system 1 using the upload folder.
To the shutdown standby state (step S
26, S27).

As described above, the MCIF system (the general center communication system 1) provides the customer information (customer segment information / individual information obtained by subdividing the collection information (customer information) of the bank use status) corresponding to each branch. For example, the customer's bank number, branch (branch) number, and account number are cut out as a customer database. Further, an ATM screen is set in the customer database information, the campaign and service execution information for the customer are exported, and the branch management MCIF system (the database device 25 and the branch MCIF server 26) of the branch communication system 2 is used. Importing (downloading / installing). Thereafter, a notification to the sales department or the like is performed. Hereinafter, these branch management MCIF systems (database device 2)
5 and the branch office MCIF server 26) will be described in detail.

FIG. 7 is a diagram for explaining the stored contents of the database device 25 in the sales office communication system 2 in FIG. 1, and FIG. 8 is a diagram for explaining the detailed stored contents of the database device 25. .

Referring to FIGS. 7 and 8, the information here is customer information managed by the MCIF system (general center communication system 1) and the branch management MCIF system. The stored content includes a customer table and a store visit table, and the stored content is customer attribute information. That is, the information is a transaction status of the customer on a daily basis and information having a different property for each customer. The customer table is stored permanently (during account opening) and has associated extracted customer data with displayed messages, including bank number, branch (branch) number, account number, name,
Screen ID, campaign receipt (scratch card)
Presence. The visit table has a storage period, date,
Time, bank number, branch (branch office) number, automatic machine number, customer support status. FIG. 8 shows the items of the customer information shown in FIG. That is, each item indicates customer segment information (individual information obtained by subdividing collected information (customer information) on bank usage). Note that the contents stored in the item (for example, actual address and name) are omitted.

For this item, a selection setting is made as to whether or not to display a screen at the time of a visitor. This selection is made according to the campaign planned by the headquarters or the like. For example, during a mortgage loan campaign, the user selects an age group to purchase a house or a replacement age group. This choice is head office communication system 3
From the customer table and the store visit table (customer segment information) shown in FIG. 7 of the MCIF system (the general center communication system 1), the selection setting for implementing the screen display at the time of visitor is performed. In such a selection, regardless of the nationwide selection of the home purchase age or replacement age group corresponding to the mortgage campaign described above,
It is also possible to select and limit customers by region, period, and product type.

The items (customer segment information) in the customer table and the store visit table shown in FIG. 7 where the selection and setting have been performed are stored in the branch management MCIF system (branch communication system 2 / database device 25, branch MCIF server 26). When a download request is received from
It is cut out from the F system / general center communication system 1 and transferred.

The head office communication system 3 (server 32,
The head office MCIF client 33) executes the process of registering the customer segment information, managing the version according to the system change, and acquiring new information from the customer visiting the general center communication system 1 from the store. The head office communication system 3 plans new campaigns and services based on the new information from the visit.

FIG. 9 is a flowchart sequence diagram showing a processing procedure between the ATM 27 and the branch management MCIF system (database device 25 and branch MCIF server 26), and FIG.
IF system (database unit 25 and branch MCI)
It is a block diagram showing an outline of a process with F server 26).

FIGS. 9 and 10 show the processing between the branch management MCIF system (database device 25 and branch MCIF server 26) and the ATM 27.

In FIGS. 9 and 10, customer information (collection information / segment information on bank usage status) extracted from the MCIF system (general center communication system 1), FIG.
Is the database device 25 of the sales office communication system 2
And stored in the branch office MCIF server 26.

Thereafter, the TCP / IP link shown in FIG. 3 is opened (LAN connection) between the database device 25 and the branch office MCIF server 26 and the ATM 27, and FIG.
The customer inserts a bank card into the card reader 52 of the ATM 27 shown in FIG. 2, or a passbook is inserted into the passbook reader / printer 54 shown in FIG. The customer information (bank number, branch (business office) number, account number, etc.) shown in FIG. 7 and the customer visit table are read, and the customer information is transferred to the business office MCIF server 26.

The branch office MCIF server 26 searches for customer service execution information. The special screen information for each customer that has been retrieved is transferred to the ATM 27, and the ATM 27 displays the customer special screen on the color display device 46 in FIG.
This customer special screen is the current campaign content and service provision content. If the customer service execution information cannot be retrieved, a deposit withdrawal or the like is performed on a normal customer bank transaction display screen.

Further, the branch MCIF server 26 determines that this customer is a special customer in the retrieved customer information.
The store visit table is updated, the small general-purpose computer 23 in FIG. 1 displays a pop-up, and calls attention to the manager of the store management MCIF system (the database device 25 and the store MCIF server 26) of the store communication system 2. . The general-purpose computer 23 displays a screen for a special customer visiting the store, especially when the settings are made in advance.

A specific example of the service provision contents when the customer special screen is displayed on the color display device 46 in FIG. 2 will be described below.

FIG. 11 is a diagram showing a specific example of the service provision contents in FIG. In FIG. 11, a specific example of the service provision content is a so-called scratch card. For example, a point is provided to a customer or a prize is provided to a customer according to the number of cut portions of the scratch card.

In this case, the response of the customer due to the provision of the campaign or the service, that is, the response state of the customer of the ATM 27 is automatically converted into the database device 2 as customer information.
5 and the branch office MCIF server 26, and are updated to the integrated center communication system 1. Further, since the handling state of the scratch card for each customer can be determined through conversation at a bank counter or the like, this information is transferred from the small general-purpose computer 23 or the like to the database device 25 and the branch MCIF server 26.

As a result, it becomes possible to collect more detailed customer information. Therefore, based on the new customer information, more effective sales promotion activities can be performed for each next visitor.

The customer information collected through such sales promotion activities is collectively collected by the integrated center communication system 1, and the sales information and the customer information are taken in the sales office communication system 2 incorporating the customer information. The screen is displayed on the small general-purpose computer 23 in FIG. That is, effective sales promotion activities corresponding to each customer are performed.

[0069]

As is apparent from the above description, according to the method of collecting, distributing, receiving and displaying the customer's bank use information, the bank communication system and the program of the present invention, the customer at the head office and a plurality of offices can be used. It collects, updates and distributes information on bank usage (customer information) through a communication network.

As a result, there is an effect that a campaign or service guide corresponding to the collected customer information can be promptly provided to the sales office.

Further, according to the present invention, the branch side always receives and displays newly collected customer information.

As a result, it is possible to receive and display a campaign and a service in accordance with the collected customer information.

[Brief description of the drawings]

FIG. 1 is an external view showing a configuration according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a configuration example of a main part of the ATM in FIG. 1;

FIG. 3 is a diagram for explaining a main part program / protocol stack having the configuration shown in FIG. 1;

FIG. 4 is a diagram showing processing content between a general center communication system and a sales office communication system in the embodiment.

FIG. 5 is a flowchart of a procedure for downloading and uploading customer information between the integrated center communication system and the sales office communication system in the embodiment.

FIG. 6 is a flowchart of a detailed upload procedure of customer information of the sales office communication system in the embodiment.

FIG. 7 is a diagram for explaining contents stored in a database device in the sales office communication system in FIG. 1;

FIG. 8 is a diagram for explaining detailed storage contents of the database device in the embodiment.

FIG. 9 shows an ATM and a branch management MCI according to the embodiment.
It is a flowchart sequence diagram which shows the processing procedure between F systems.

FIG. 10 is a diagram showing an ATM and an office management MC according to the embodiment;
FIG. 4 is a block diagram for explaining processing between the system and an IF system.

FIG. 11 is a diagram showing a specific example of service provision contents in the embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Integrated center communication system 2 Sales office communication system 3 Head office communication system 10 MCIF server device 10 11 Management server 12 Database device 23 Small general-purpose computer 25 Database device 26 Business office MCIF server 27 Automatic teller machine (ATM)

 ────────────────────────────────────────────────── ─── Continuation of the front page (72) Inventor Akihiko Sugawara 1-1-1 Futako, Takatsu-ku, Kawasaki-shi, Kanagawa Japan F Co., Ltd. F-term (reference) 3E040 BA07 CA12 CA17 CB01 EA04 FJ05

Claims (10)

[Claims] An apparatus for collectively collecting and distributing customer information (hereinafter referred to as a "collection / distribution side") is connected to a device on a sales office side (hereinafter referred to as a "sales service") through two-way communication means. Store side "
), And collects and distributes the customer's bank usage information, which is configured to collect the individual customer transaction information from the customer, transmit the updated customer information to the branch, and the branch receives and displays the updated customer information. In the method of receiving and displaying, a step of collecting and distributing information contents of a plurality of items including a bank use situation and a name obtained by subdividing the customer information, and a step of collecting and distributing the collected customer information. A step of transferring to the store side, a step of taking in the collected customer information transferred from the collecting / distributing side by the branch side, and the apparatus at the branch side recognizing a visit to the customer including the start of use of the automatic teller machine by the customer. Reading and displaying the stored customer information of the customer, and transferring the new customer information of the customer to the collection / distribution side by the sales office. A step in which the collection / distribution side appends or rewrites the corresponding customer information currently stored in the transferred new customer information; and A method for collecting, distributing and receiving status information. 2. The step of collecting and distributing the customer information to the branch office, wherein the customer information is automatically transferred at a preset time, or the customer information is transferred upon request from the branch office. 2. The method for collecting, distributing, receiving and displaying customer's bank use status information according to claim 1, wherein 3. The customer's bank usage information according to claim 3, wherein the customer information transferred in response to a request from the branch is information of only the customer specified by the branch. Collection / delivery / reception display method. 4. The method according to claim 1, wherein the customer information transferred from the collection / distribution side to the branch office is information content in preset items or information content in all stored items.
The method for collecting, distributing, receiving and displaying the customer's bank usage information according to claim 1. 5. The new customer information for each customer obtained after the display of the customer information of the customer, the information for each customer relating to the use status of the automatic teller machine, or the information obtained when the sales representative contacts the customer. 2. The method of collecting, distributing, receiving and displaying customer bank use status information according to claim 1, wherein the information is information input to a device on the sales representative side. 6. The customer information which is acquired and stored after the sales side transfers the new customer information for each customer obtained after the display of the customer information of the customer to the collection / distribution side, and the new customer information. 2. The method according to claim 1, further comprising the step of deleting the bank usage status information of the customer. 7. A bank communication system in which a collection / distribution device collects, updates, and distributes customer information through a two-way communication and a branch device, and the branch receives the customer information, wherein the customer information is subdivided. A general center communication system that collects and transfers information contents in a plurality of items including a simplified bank usage status and name, and rewrites currently stored customer information with new transferred customer information. Capturing and storing and displaying the collected customer information transferred from the integrated center communication system; and transferring and storing new customer information for each captured customer after the display to the integrated center communication system. And a branch communication system for erasing the new customer information and the new customer information. . 8. The bank communication system according to claim 8, wherein the integrated center communication system and the sales office communication system are accommodated in a TCP / IP network that executes two-way communication. 9. Collecting and storing the collected customer information transferred from the integrated center communication system and storing the information when the customer recognizes that the customer has visited the store including the use of the automatic teller machine. The bank communication system according to claim 7, wherein the customer information is read and displayed. 10. In the sales office communication system, new customer information for each customer taken in after the display is information obtained by using the automatic teller machine, or information input in the sales office communication system. 9. The bank communication system according to claim 8, wherein: