JP2015092369A - Sales information providing system, terminal device, sales information providing method, and sales information providing program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a sales information providing system, a terminal device, a sales information providing method, and a sales information providing program that can supply sales information to a terminal device that provides information to a sales target person to be a sales target among a plurality of customers.SOLUTION: Depending on whether the number of balance inquiry execution and the number of withdrawals of a customer based on financial transaction history information satisfy a predetermined condition, it is determined whether the customer is a sales target person for each customer. When determination means determines that the customer is the sales target person, sales information is displayed.

Description

  The present invention relates to a sales information providing system, a terminal device, a sales information providing method, and a sales information providing program for providing customers with information related to sales of financial products (hereinafter referred to as sales information).

  As an automated teller machine (ATM) currently installed in financial institutions such as banks, sales related to various financial products such as card loans in addition to the function to perform deposit and withdrawal operations on bank accounts A device having a function of displaying information has been proposed (see, for example, Patent Document 1).

  The financial institution system including such ATM includes customer identification information (name, address, occupation, etc.), account information (account number, personal identification number, card information, etc.), transaction information (deposit balance, deposit / withdrawal history, etc.) in advance. A registered database and a server for providing various information to the ATM are provided. At this time, the server executes a data mining using the customer identification information and transaction information registered in the database, thereby determining a customer to be a financial product sales target for each customer. Keep it. The server transmits sales information of the financial product to the ATM and displays the sales information on the display of the ATM when the customer who uses the ATM is a customer to be sold of the financial product. (For example, see the description of paragraphs [0021] to [0036] of Patent Document 1).

  However, in data mining, which is performed to determine the customers to be sold for financial products from the customer information registered in the customer database or transaction information, complicated statistical processing or pattern recognition is required for these pieces of information. It is necessary to perform processing. Therefore, there has been a problem that incurring a high cost in constructing a financial institution system having a function of providing sales information for ATMs.

JP 2003-109071 A

  The present invention is for solving the above-described problems, and is capable of providing sales information to a terminal device that provides a service to a sales target person to be sold among a plurality of customers. An object is to provide an information providing system, a terminal device, a sales information providing method, and a sales information providing program.

  A sales information providing system according to the present invention is a sales information providing system for providing sales information for promoting sales of a product based on financial transaction history information, the storage means storing sales information related to the product, and the financial transaction history information And determining means for determining whether or not the customer is a sales target based on whether or not the number of executions satisfies a predetermined condition.

  The sales information providing system according to the present invention is a sales information providing system for providing sales information for promoting the sale of a product based on financial transaction history information, the storage means for storing the sales information about the product, and the financial transaction And determining means for determining whether or not the customer is a sales target based on whether or not the number of withdrawals meets a predetermined condition based on the history information.

  The terminal device according to the present invention is a terminal device included in a sales information providing system that provides sales information that promotes sales of products based on financial transaction history information, and the sales information providing system includes sales information related to the products. Storage means for storing, and determination means for determining whether or not the customer is a sales target by determining whether or not the number of executions of the customer's balance inquiry based on the financial transaction history information satisfies a predetermined condition. When the determination means determines that the customer is a sales target person, the sales information is displayed.

  The terminal device according to the present invention is a terminal device included in a sales information providing system that provides sales information that promotes sales of products based on financial transaction history information, and the sales information providing system includes sales information related to the products. Storing means for storing, and determining means for determining whether or not the customer is a sales target by whether or not the number of withdrawals of the customer based on the financial transaction history information meets a predetermined condition, When the determination unit determines that the customer is a sales target person, the sales information is displayed.

  The sales information providing method according to the present invention is a sales information providing method for providing sales information for promoting the sale of a product based on financial transaction history information, wherein the number of executions of a customer balance inquiry based on the financial transaction history information is determined. And a step of determining whether or not the customer is a sales target person based on whether or not the number of executions satisfies a predetermined condition.

  The sales information providing method according to the present invention is a sales information providing method for providing sales information for promoting the sale of a product based on financial transaction history information, and acquires the number of withdrawals of a customer based on the financial transaction history information. And determining whether or not the customer is a sales target person depending on whether or not the number of withdrawals meets a predetermined condition.

  The sales information providing program according to the present invention is a sales information providing program for providing sales information for encouraging the sale of a product based on financial transaction history information. A step of acquiring the number of executions and a step of determining whether the customer is a sales target person based on whether the number of executions meets a predetermined condition are executed.

  The sales information providing program according to the present invention is a sales information providing program for providing sales information for encouraging sales of products based on financial transaction history information, wherein the number of withdrawals of a customer based on the financial transaction history information is stored in a computer. And a step of determining whether or not the customer is a sales subject based on whether or not the number of withdrawals meets a predetermined condition.

  In the present invention, whether or not each customer is a sales target is determined based on whether or not the customer's balance inquiry execution count and withdrawal count based on the transaction history information meet predetermined conditions. Yes. Accordingly, it is possible to construct a system that provides sales information via a terminal device to a customer who has been determined to be highly likely to use sales information.

It is a block diagram which shows the structure of the sales information provision system by this invention. It is a figure which shows an example of the customer attribute information which a financial institution holds. It is a figure which shows an example of the customer attribute information which a financial institution holds. It is a figure which shows an example of the transaction history information which a financial institution holds. It is a figure which shows an example of the sales information provided to a customer. It is a figure which shows an example of the sales execution list according to customer. It is a figure which shows an example of card loan condition information. 3 is a block diagram showing a configuration of a sales information server 23. FIG. It is a figure which shows the flowchart in a sales object customer determination program. It is a figure which shows the flowchart in a sales object customer determination program. It is a figure which shows an example of the card loan advertisement image displayed by ATM21. It is a figure which shows an example of the card loan advertisement promotion image displayed at the shop terminal 22.

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

  FIG. 1 is a block diagram showing a configuration of a sales information providing system according to the present invention.

  As shown in FIG. 1, the sales information providing system includes an ATM 21 and a branch terminal 22 installed in a branch, a sales information server 23 provided on a financial institution system center side, and various databases (hereinafter referred to as the following). And simply referred to as DB). That is, the sales information providing system is provided with a customer DB 24, a transaction history DB 25, a sales information DB 26, a customer-specific sales execution list DB 27, and a card loan condition DB 28 as various DBs. Each of these ATM 21, branch office terminal 22, sales information server 23, customer DB 24, transaction history DB 25, sales information DB 26, customer-specific sales execution list DB 27 and card loan condition DB 28 is connected to a common communication line 20.

  The ATM 21 includes a transmission / reception unit TRX and a control unit CP, and a reading unit RE, an operation unit KB, and a display unit DP are formed on the front panel thereof. The reading unit RE reads the magnetic data of the customer's cash card or bankbook. In addition, in the magnetic data of the cash card or the bankbook, the identification information of the customer who is the owner, such as customer ID, store number, item (deposit type), account number, name, birthday, gender, etc. is shown. Contains customer identification information. The operation unit KB accepts various operations such as a deposit / withdrawal operation and a balance inquiry operation by the user. The control unit CP displays input / output money, balance, operation procedure, and the like on the display unit DP according to various operations such as deposit / withdrawal operation and balance inquiry operation in the operation unit KB. Further, when the magnetic data is read from the cash card or the bankbook by the reading unit RE, the control unit CP extracts customer identification information from the magnetic data, and transmits and receives the customer identification data IDS representing this identification information. Supply to TRX. The transmission / reception unit TRX transmits the customer identification data IDS to the sales information server 23 via the communication line 20 and receives the sales data SDS transmitted from the sales information server 23. The control unit CP supplies the sales information represented by the sales data SDS received by the transmission / reception unit TRX to the display unit DP. The display unit DP displays such sales information, for example, characters or images that encourage sales of financial products such as card loans.

  The branch terminal 22 is a dedicated terminal used by a teller who performs a counter service of a financial institution. Similarly to the ATM 21, the branch terminal 22 has a transmission / reception unit TRX and a control unit CP. A reading unit RE, an operation unit KB, and a display unit DP are formed on the front panel. When the reading unit RE reads the magnetic data from the cash card or the bankbook, the branch terminal 22 extracts the customer identification information as described above from the magnetic data, and the customer identification data IDS representing this identification information. Is transmitted to the sales information server 23 via the communication line 20. Further, when receiving the sales data SDS transmitted from the sales information server 23, the branch terminal 22 displays the contents of the sales information represented by the sales data SDS on the display unit DP.

  In the customer DB 24, as customer attribute information of a financial institution, as shown in FIG. 2, information indicating a store number, a subject (deposit type), and an account number is stored in association with a customer ID for each customer. . Further, as shown in FIG. 3, the customer identification information includes information such as a name for each customer, a birthday, a gender, a profession, a job title, and a sales flag indicating whether the customer is a sales target. As the sales flag, for example, when the customer's age is less than 30 years old, a flag of logical level 0 indicating that the customer is not a sales person of the card loan product. A flag of logical level 1 indicating that it is a sales target is attached.

  The transaction history DB 25 provides information on customer ID, transaction date, transaction type, transaction amount, and deposit balance in association with the transaction ID for each transaction as shown in FIG. 4 as transaction history information between the financial institution and the customer. Is saved. The transaction history information is updated real-time by online processing.

  In the sales information DB 26, as various sales information to be provided to the ATM 21 or the branch terminal 22, as shown in FIG. 5, each card loan product is associated with the sales ID, sales name, sales content, and Information indicating sales images is stored.

  In the customer-specific sales implementation list DB 27, sales IDs indicating sales information determined to be sales information suitable for the customer by sales target customer determination processing described later correspond to each customer ID as shown in FIG. And remembered.

  In the card loan condition DB 28, card loan condition information as shown in FIG. 7 is stored in advance, which indicates various conditions for determining whether or not the customer is a sales target of a card loan by a sales target customer determination process described later. Has been.

  The various data stored in each of the DB24 to DB28 may be stored in a single database.

  FIG. 8 is a block diagram showing a configuration of the sales information server 23.

  As shown in FIG. 8, the sales information server 23 includes a transmission / reception unit 11, a control unit 12, a program memory 13, and a data memory 14.

  The data memory 14 includes a customer attribute information storage area 141, a transaction history information storage area 142, a sales information storage area 143, a display execution list storage area 144, and a card loan condition storage area 145.

  The transmission / reception unit 11 receives the customer identification data IDS supplied from the ATM 21 or the branch terminal 22 via the communication line 20, and transmits the sales data SDS representing the sales information to the ATM 21 or the branch terminal 22.

  The program memory 13 stores a sales target customer determination program.

  The control unit 13 reads the sales target customer determination program stored in the program memory 13 only once every predetermined period (for example, one day), and executes the sales target customer determination control according to this program.

  FIG. 9 is a diagram showing a flowchart in the sales target customer determination program.

  9, the control unit 13 first reads the customer attribute information shown in FIGS. 2 and 3 from the customer DB 24, and stores it in the customer attribute information storage area 141 of the data memory 14 (step S1).

  Next, the control unit 13 extracts a sales flag corresponding to the customer ID indicated by the customer identification data IDS from the customer attribute information stored in the customer attribute information storage area 141 (step S2).

  Next, the control unit 13 determines whether or not the sales flag is at the logic level 1, that is, whether or not the customer is a sales person of a card loan as a financial product (step S3). For example, in the example of FIG. 3, a customer with a logical level 1 sales flag, that is, “Ichiro Oki”, “Hanako Oki”, “Saburo Oki” is a sales target, and a sales flag of logical level 0 The attached customer, “Okijiro”, is a non-sales target person.

  If it is determined in step S3 that the sales flag is logic level 1, the control unit 13 reads card loan condition information as shown in FIG. 7 from the card loan condition DB 28, and stores the card loan condition information in the data memory 14 in the card loan condition storage. It memorize | stores in the area | region 145 (step S4).

  Next, the control unit 13 stores information indicating the occupation corresponding to the customer ID indicated by the customer identification data IDS from the customer attribute information shown in FIGS. 2 and 3 stored in the customer attribute information storage area 141. Extract (step S5).

  Next, the control unit 13 determines whether or not this occupation corresponds to “condition 1” in the card loan condition information as shown in FIG. S6). That is, in step S6, the control unit 13 determines whether the customer's occupation is a salary earner such as a company employee.

  In step S6, when it is determined that the occupation of the customer corresponds to “condition 1”, that is, it is a company employee, the control unit 13 corresponds to the customer ID indicated by the customer identification data IDS from the transaction history DB 25. The transaction history information as shown in FIG. 4 is read and stored in the transaction history information storage area 142 of the data memory 14 (step S7).

  Next, the control unit 13 calculates the average salary and standard deviation of the past 12 months of the transaction amount for which the transaction type is salary transfer from the transaction history information as shown in FIG. 4 (step S8). ).

  Next, the control unit 13 determines whether or not the average salary value and the standard deviation value correspond to “condition 2” and “condition 3” in the card loan condition information as shown in FIG. S9). That is, in step S9, the control unit 13 determines whether or not the average salary for the past 12 months is 300,000 yen or more and the standard deviation value is 50,000 yen or less.

  If it is determined in step S9 that the average salary and standard deviation value of the past 12 months correspond to “condition 2” and “condition 3” shown in FIG. 7, the control unit 13 stores the transaction history information storage area 142. The total number of transactions for one month of the transaction event whose transaction type is balance inquiry is calculated from the transaction history information stored in (Step S10).

  Next, the control unit 13 determines whether or not the total number of times corresponds to “condition 4” in the card loan condition information as shown in FIG. 7 (step S11). That is, in step S11, the control unit 13 determines whether or not the number of executions of the balance inquiry for this month is eight or more.

  In step S11, when it is determined that the number of executions of the balance inquiry this month corresponds to “condition 4”, that is, 8 times or more, the control unit 13 stores the transaction stored in the transaction history information storage area 142. From the history information, the total number of one month of transaction events whose transaction type is withdrawal is calculated (step S12).

  Next, the control unit 13 determines whether or not the total number of withdrawals corresponds to “condition 5” in the card loan condition information shown in FIG. 7 (step S13). That is, in step S13, the control unit 13 determines whether or not the number of withdrawals this month is 5 or more.

  In step S13, when it is determined that the number of withdrawals this month is the number corresponding to “condition 5”, that is, five or more times, the control unit 13 stores the transaction history information stored in the transaction history information storage area 142. The latest deposit balance of this month is detected from the inside (step S14).

  Next, the control unit 13 determines whether or not the latest deposit balance corresponds to “condition 6” in the card loan condition information as shown in FIG. 7 (step S15). That is, in step S13, the control unit 13 determines whether or not the latest deposit balance is less than 30,000 yen.

  In step S15, when it is determined that the latest deposit balance is the balance corresponding to “condition 6”, that is, less than 30,000 yen, the control unit 13 executes the following card loan sales registration process (step S16). ). That is, in step S16, the control unit 13 determines that the sales information suitable for the customer is information for promoting sales of the “card loan campaign” as shown in FIG. The sales ID indicating “loan campaign” associated with “1” is overwritten and registered in the customer-specific sales execution list DB 27 as shown in FIG.

  As described above, it is determined in step S3 that the person is a sales person of “card loan”, and “condition 1” to “condition 6” shown in FIG. 7 in steps S6, S9, S11, S13, or S15 are set. If it is determined that all of them are satisfied, “1” is registered as the sales ID indicating “card loan campaign” in the customer-specific sales execution list DB 27 in association with the customer ID.

  On the other hand, when it is determined in step S3 that the customer does not correspond to the sales person of “card loan”, or in the above steps S6, S9, S11, S13, or S15, “condition 1” to “condition 6” shown in FIG. When it is determined that one of the conditions cannot be satisfied, the control unit 13 executes the following existing sales registration process (step S17). That is, in step S17, the control unit 13 determines that the sales information suitable for the customer is an existing loan product other than “card loan”, and the sales ID indicating “education loan campaign” as shown in FIG. As shown in FIG. 6, “2” associated with the customer ID is overwritten and registered in the customer-specific sales execution list DB 27.

  After executing step S16 or S17, the control unit 13 ends the sales target customer determination program.

  Here, when the transmission / reception unit 11 receives the customer identification data IDS transmitted from the ATM 21 or the branch terminal 22, the control unit 13 reads the customer-specific sales execution list as shown in FIG. 6 from the customer-specific sales execution list DB 27. The sales ID corresponding to the customer ID indicated by the customer identification data IDS is extracted from the storage in the display execution list storage area 144. Next, the control unit 13 reads the sales information (sales name, sales contents, sales image) shown in FIG. 5 indicated by the sales ID from the sales information DB 26, and uses this as sales data SDS to identify customer identification data. The transmission / reception unit 11 is controlled to transmit to the ATM 21 or the branch terminal 22 that is the transmission source of the IDS. At this time, if the sales ID is “1”, the sales information related to the “card loan campaign” as shown in FIG. 5, that is, the information including the text data representing the sales content and the image data representing the image is displayed. It is transmitted to the ATM 21 or the branch terminal 22 as data SDS. As a result, an advertisement image indicating a “card loan” as a financial product is displayed on the display unit DP of the ATM 21 that has received the sales data SDS, for example, as shown in FIG.

  In addition, the display unit DP of the store terminal 22 that has received the sales data SDS has access to customer identification information (customer ID, store number, subject, account number, customer name, customer name) as shown in FIG. Along with the age, sex, etc.), a card loan promotion image including a character image instructing the teller to encourage the customer to sell “card loan” is displayed.

  On the other hand, when the sales ID is “2”, the sales information relating to the “education loan campaign” as shown in FIG. 5, that is, the information including the character image representing the sales contents in the form of sales data SDS is ATM 21 or sales. It is transmitted to the shop terminal 22. At this time, an education loan advertisement as a financial product is displayed on the display unit DP of the ATM 21 that has received the sales data SDS. In addition, the display unit DP of the store terminal 22 that has received the sales data SDS has customer identification information read by the reading unit RE, that is, customer ID, store number, subject, account number, customer name, customer name. A character image indicating age, sex, etc. is displayed.

  As described above, in the sales information providing system shown in FIG. 1, whether or not each customer is suitable as a sales target person of “card loan” which is a specific financial product based on the identification information and transaction history of the customer. The determination is performed as follows.

That is, the sales information server 23 is based on customer identification information and transaction history.
Condition 1: The occupation of the customer is a company employee Condition 2: The average salary of the customer for the past 12 months is 300,000 yen or more Condition 3: The standard deviation value of the salary of the customer for the past 12 months is 50,000 Less than Yen Condition 4: The number of customer inquiries per month is 8 or more Condition 5: The number of withdrawals per customer is 5 or more Condition 6: The customer's deposit balance is 30,000 If all of “condition 1” to “condition 6” that are less than a yen are satisfied, it is determined that this customer is suitable for a card loan sales person.

  That is, it is determined that “customer 1” has a regular income based on “condition 1” (S6 in FIG. 7), and the income can be “card loan” based on “condition 2” and “condition 3”. It is determined that the amount is sufficient and stable (S9 in FIG. 7). That is, according to “condition 1” to “condition 3”, it is determined whether or not the “richness” of the customer has a payment ability of “card loan”. Further, it is determined that the customer's awareness of the deposit balance is high according to “condition 4” (S11 in FIG. 7). Further, it is determined that the customer has frequent withdrawal opportunities according to “condition 5” (S13 in FIG. 7), and it is determined that the total amount is relatively large according to “condition 6” (S15 in FIG. 7). ). That is, it is determined whether or not the “reliability” of the customer can use the “card loan” based on “condition 4” to “condition 6”.

  Thereafter, when data is read from the bankbook or cash card at the ATM 21 or the branch terminal 22, the owner of the bankbook or cash card is a customer who satisfies all of the above “condition 1” to “condition 6”. Only in that case, sales information of “card loan” is displayed on the display unit of the ATM (or the branch terminal).

  Therefore, the sales information of “Card Loan” can be obtained only through the ATM that this customer is using only for customers who are highly likely to use “Card Loan” and determined that there is no problem with the payment of the loan. Will be displayed.

  At this time, the sales information server 23 selects a customer who is a salary earner (condition 1) and has the following transaction history as a sales person of “card loan”. That is, the average salary is equal to or greater than a predetermined amount (condition 2), the standard deviation value of salary is equal to or less than a predetermined value (condition 3), and the number of balance inquiry per unit period is equal to or greater than the predetermined number of times ( Condition 4) If the number of withdrawals per unit period is equal to or greater than the predetermined number of withdrawals (Condition 5) and the latest deposit balance is less than the predetermined balance (Condition 6), this customer is sold as a “card loan”. The target person.

  Thus, in the sales information server 23, the wealth of the customer (average salary amount, standard deviation value of salary) based on the transaction history information and the reliability estimated from dealings (the number of balance inquiry executions, the number of withdrawals, Whether each customer is a sales person of a specific financial product (for example, a card loan) is determined by comparing the size of each of the latest deposit balances) with a corresponding threshold value. Therefore, it is possible to determine a sales target person with a small-scale process as compared with the case where a complicated statistical process or pattern recognition process by data mining is performed on transaction history information.

  Accordingly, sales information regarding the financial product is provided only through the ATM to customers who are highly likely to use the specific financial product (card loan) and are determined to have no trouble paying the financial product. This makes it possible to build a system that is inexpensive.

  In this example, “card loan” is targeted as a specific financial product. However, by using various data registered in the transaction history, the sales target of a specific financial product other than “card loan” You can also determine which customers will be. For example, if the transfer amount within a predetermined period is small and the number of transfers is greater than the predetermined number, this customer is determined to be a sales person of “net banking” with a low fee. In addition, if the deposit balance is less than a certain amount, a message prompting the customer to perform asset management, for example, the financial processing of adding the deposits of other banks and transferring them to the bank will be sent to the ATM or branch terminal. You may make it display on a display part.

21 ATM
22 Sales Office Terminal 23 Sales Information Server 24 Customer DB
25 Transaction history DB
26 Sales Information DB
27 Sales execution list DB by customer
28 Card Loan Conditions DB

The transaction history DB 25 provides information on customer ID, transaction date, transaction type, handling amount, and deposit balance as transaction history information between financial institutions and customers, as shown in FIG. Is saved. The transaction history information is updated real-time by online processing.

The control unit 12 reads the sales target customer determination program stored in the program memory 13 only once every predetermined period (for example, one day), and executes sales target customer determination control according to this program.

9, the control unit 12 first reads the customer attribute information shown in FIGS. 2 and 3 from the customer DB 24 and stores it in the customer attribute information storage area 141 of the data memory 14 (step S1).

Next, the control unit 12 extracts a sales flag corresponding to the customer ID indicated by the customer identification data IDS from the customer attribute information stored in the customer attribute information storage area 141 (step S2).

Next, the control unit 12 determines whether or not the sales flag is at the logic level 1, that is, whether or not the customer is a sales person of a card loan as a financial product (step S3). For example, in the example of FIG. 3, a customer with a logical level 1 sales flag, that is, “Ichiro Oki”, “Hanako Oki”, “Saburo Oki” is a sales target, and a sales flag of logical level 0 The attached customer, “Okijiro”, is a non-sales target person.

If it is determined in step S3 that the sales flag is logic level 1, the control unit 12 reads card loan condition information as shown in FIG. 7 from the card loan condition DB 28, and stores the card loan condition information in the data memory 14 in the card loan condition storage. It memorize | stores in the area | region 145 (step S4).

Next, the control unit 12 stores information indicating the occupation corresponding to the customer ID indicated by the customer identification data IDS from the customer attribute information shown in FIGS. 2 and 3 stored in the customer attribute information storage area 141. Extract (step S5).

Next, the control unit 12 determines whether or not this occupation corresponds to “condition 1” in the card loan condition information as shown in FIG. S6). That is, in step S6, the control unit 12 determines whether the customer's occupation is a salary earner such as a company employee.

In step S6, when it is determined that the occupation of the customer corresponds to “condition 1”, that is, it is a company employee, the control unit 12 corresponds to the customer ID indicated by the customer identification data IDS from the transaction history DB 25. The transaction history information as shown in FIG. 4 is read and stored in the transaction history information storage area 142 of the data memory 14 (step S7).

Next, the control unit 12 calculates the average salary and standard deviation value of the past 12 months of the transaction amount whose transaction type is salary transfer from the transaction history information as shown in FIG. 4 (step S8). ).

Next, the control unit 12 determines whether or not the average salary value and the standard deviation value correspond to “condition 2” and “condition 3” in the card loan condition information as shown in FIG. S9). That is, in step S9, the control unit 12 determines whether or not the average amount of salary for the past 12 months is 300,000 yen or more and the standard deviation value is 50,000 yen or less.

If it is determined in step S9 that the average salary and standard deviation of the past 12 months correspond to “condition 2” and “condition 3” shown in FIG. 7, the control unit 12 stores the transaction history information storage area 142. The total number of transactions for one month of the transaction event whose transaction type is balance inquiry is calculated from the transaction history information stored in (Step S10).

Next, the control unit 12 determines whether or not the total number of times corresponds to “condition 4” in the card loan condition information as shown in FIG. 7 (step S11). That is, in step S11, the control unit 12 determines whether or not the balance inquiry execution number for this month is eight or more.

In step S11, when it is determined that the number of executions of the balance inquiry this month corresponds to “condition 4”, that is, 8 times or more, the control unit 12 stores the transaction stored in the transaction history information storage area 142. From the history information, the total number of one month of transaction events whose transaction type is withdrawal is calculated (step S12).

Next, the control unit 12 determines whether or not the total number of withdrawals corresponds to “condition 5” in the card loan condition information shown in FIG. 7 (step S13). That is, in step S13, the control unit 12 determines whether or not the number of withdrawals this month is 5 or more.

If it is determined in step S13 that the number of withdrawals this month is the number corresponding to “condition 5”, that is, five or more, the control unit 12 stores the transaction history information stored in the transaction history information storage area 142. The latest deposit balance of this month is detected from the inside (step S14).

Next, the control unit 12 determines whether or not this latest deposit balance corresponds to “condition 6” in the card loan condition information as shown in FIG. 7 (step S15). That is, in step S13, the control unit 12 determines whether or not the latest deposit balance is less than 30,000 yen.

When it is determined in step S15 that the latest deposit balance is less than “30,000”, the control unit 12 executes a card loan sales registration process as described below (step S16). ). That is, in step S16, the control unit 12 determines that the sales information suitable for the customer is information for promoting the sales of the “card loan campaign” as shown in FIG. The sales ID indicating “loan campaign” associated with “1” is overwritten and registered in the customer-specific sales execution list DB 27 as shown in FIG.

On the other hand, when it is determined in step S3 that the customer does not correspond to the sales person of “card loan”, or in the above steps S6, S9, S11, S13, or S15, “condition 1” to “condition 6” shown in FIG. When it is determined that one of the conditions cannot be satisfied, the control unit 12 executes the following existing sales registration process (step S17). That is, in step S17, the control unit 12 determines that the sales information suitable for the customer is an existing loan product other than “card loan”, and the sales ID indicating “education loan campaign” as shown in FIG. As shown in FIG. 6, “2” associated with the customer ID is overwritten and registered in the customer-specific sales execution list DB 27.

After executing step S16 or S17, the control unit 12 ends the sales target customer determination program.

Here, when the transmission / reception unit 11 receives the customer identification data IDS transmitted from the ATM 21 or the branch terminal 22, the control unit 12 reads out the customer-specific sales execution list as shown in FIG. 6 from the customer-specific sales execution list DB 27. The sales ID corresponding to the customer ID indicated by the customer identification data IDS is extracted from the storage in the display execution list storage area 144. Next, the control unit 12 reads the sales information (sales name, sales content, sales image) as shown in FIG. 5 indicated by the sales ID from the sales information DB 26, and uses this as sales data SDS to identify customer identification data. The transmission / reception unit 11 is controlled to transmit to the ATM 21 or the branch terminal 22 that is the transmission source of the IDS. At this time, if the sales ID is “1”, the sales information related to the “card loan campaign” as shown in FIG. 5, that is, the information including the text data representing the sales content and the image data representing the image is displayed. It is transmitted to the ATM 21 or the branch terminal 22 as data SDS. As a result, an advertisement image indicating a “card loan” as a financial product is displayed on the display unit DP of the ATM 21 that has received the sales data SDS, for example, as shown in FIG.

In other words, it is determined that “customer 1” has a regular income according to “condition 1” (S6 in FIG. 9 ), and the degree to which the income can implement a “card loan” according to “condition 2” and “condition 3”. It is determined that the amount is sufficient and stable (S9 in FIG . 9). That is, according to “condition 1” to “condition 3”, it is determined whether or not the “richness” of the customer has a payment ability of “card loan”. Further, it is determined from “Condition 4” that the customer is highly conscious of the deposit balance (S11 in FIG. 9 ). Further, it is determined that the customer has frequent withdrawal opportunities according to “condition 5” (S13 in FIG. 10 ), and that the total amount is determined to be relatively large according to “condition 6” (S15 in FIG. 10 ) . ). That is, it is determined whether or not the “reliability” of the customer can use the “card loan” based on “condition 4” to “condition 6”.

Claims (15)

A sales information providing system for providing sales information for promoting sales of products based on financial transaction history information,
Storage means for storing sales information about the product;
And a determination means for determining whether or not the customer is a sales target based on whether or not the number of executions of the customer's balance inquiry based on the financial transaction history information satisfies the predetermined condition. A featured sales information provision system.   The sales information providing system according to claim 1, wherein the determination unit compares the number of executions of the balance inquiry per unit period with a threshold value indicated by the predetermined condition.   The sales information providing system according to claim 2, wherein the determination unit determines that the customer is a sales target person when the number of executions of the balance inquiry is equal to or greater than the threshold value. A sales information providing system for providing sales information for promoting sales of products based on financial transaction history information,
Storage means for storing sales information about the product;
The number of withdrawals of the customer based on the financial transaction history information, and a determination unit that determines whether the customer is a sales target person according to whether the number of withdrawals meets a predetermined condition. Sales information provision system.   The sales information providing system according to claim 4, wherein the determination unit compares the number of withdrawals per unit period with a threshold value indicated by the predetermined condition.   The sales information providing system according to claim 5, wherein the determination unit determines that the customer is a sales target person when the number of withdrawals is equal to or greater than the threshold value.   The sales information providing system according to claim 1, wherein the product is a card loan. A terminal device included in a sales information providing system for providing sales information for promoting sales of products based on financial transaction history information,
In the sales information providing system, the customer is a sales target depending on whether or not the storage means for storing the sales information on the product and the number of executions of the customer balance inquiry based on the financial transaction history information satisfy a predetermined condition. Determination means for determining whether or not,
A terminal device, wherein the sales information is displayed when the determination means determines that the customer is a sales target person. A terminal device included in a sales information providing system for providing sales information for promoting sales of products based on financial transaction history information,
The sales information providing system includes: a storage unit that stores sales information related to the product; and whether the customer is a sales target based on whether the number of withdrawals of the customer based on the financial transaction history information satisfies a predetermined condition. Determination means for determining whether or not
A terminal device, wherein the sales information is displayed when the determination means determines that the customer is a sales target person.   The terminal device according to claim 8 or 9, wherein the terminal device is an ATM (Automated Teller Machine).   The terminal device according to claim 8 or 9, wherein the terminal device is a branch terminal that displays a message instructing a customer to sell a product indicated by the sales information. A sales information providing method for providing sales information for encouraging sales of products based on financial transaction history information,
Obtaining the number of customer balance inquiries based on the financial transaction history information;
Determining whether or not the customer is a sales target based on whether or not the number of executions meets a predetermined condition. A sales information providing method for providing sales information for encouraging sales of products based on financial transaction history information,
Obtaining the number of withdrawals of customers based on the financial transaction history information;
Determining whether or not the customer is a sales target based on whether or not the number of withdrawals meets a predetermined condition. A sales information providing program for providing sales information for promoting sales of products based on financial transaction history information,
On the computer,
Obtaining the number of customer balance inquiries based on the financial transaction history information;
And a step of determining whether the customer is a sales target person based on whether the number of executions satisfies a predetermined condition or not. A sales information providing program for providing sales information for promoting sales of products based on financial transaction history information,
On the computer,
Obtaining the number of withdrawals of customers based on the financial transaction history information;
And determining whether the customer is a sales person based on whether or not the number of withdrawals meets a predetermined condition.