JP2016149008A - Bank system, method and program executed by bank system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a bank system that sells a financial product in cooperation with a system of a stock company.SOLUTION: A bank system stores coupon data received from a stock company management system and generated as a result of a predetermined transaction of a customer, and receives bank financial product data including information specifying a bank financial product to be purchased by the customer (S702), reads the stored coupon data, on the basis of customer data included in the data (S703), determines adequacy of customer fund to purchase the bank financial product when the read coupon is valid (S704: YES), and generates data on a bank financial product conforming to a first preferential condition (S706) when the customer fund is adequate (S705). The first preferential condition is more preferential than a condition to be applied in ordinary purchase of a financial product of the same kind as the bank financial product.SELECTED DRAWING: Figure 7

Description

  The present invention relates to a bank system for a bank that sells financial products in cooperation with a securities management system of a securities company. More particularly, the present invention relates to a banking system for selling financial products with pre-determined preferential conditions by using coupons provided by a securities management system of a securities company.

  Traditionally, banks and securities firms as financial institutions sold individual financial products independently. In recent years, depending on banks and securities companies, a form in which a plurality of banks and securities companies collaborate with each other by forming business alliances or grouping together as a group in the form of a financial holding company or the like is emerging.

  Under such circumstances, services that share information by linking systems held by banks and securities companies and specific services such as funds transfer have been provided to customers. For example, by connecting online services provided by banks and securities companies, a service that allows a user to easily move between both online services, or a service that makes it easy to transfer funds between a bank account and a securities trading account, In addition, a service has been provided in which the user can refer to the asset status at the bank and the asset status at the securities company as a list. In order for users to enjoy such services that improve convenience for banks and securities customers, a mechanism for linking bank accounts and securities company securities trading accounts is required. Patent Document 1 discloses a contract application method and a contract application system for linking a bank account and a securities company's securities trading account.

JP 2014-48844 A (Patent No. 5456117)

  However, when the contents of business alliances between banks and securities companies are diversified, it will be necessary to provide more attractive services to customers than simple information sharing services and funds transfer services as in the prior art. It has become.

  In the past, banks and securities companies introduced customers to each other and sold financial products to the referral customers, but many of them were also manually serviced by banks and securities companies. There was a problem in terms of customer convenience, such as having to go to a bank or securities company store multiple times to receive preferential services.

  The present invention has been made in view of such problems, and provides a bank system for a bank that sells financial products in cooperation with a securities management system of a securities company, a method and a program executed by the bank system. With the goal. More specifically, the present invention is implemented by a banking system and a banking system for selling financial products having predetermined preferential conditions by using coupons provided by a securities management system of a securities company. An object is to provide a method and a program.

  In order to solve the above-described problem, one aspect of the present invention is a bank system connected to a securities management system controlled by a securities company, and received in advance by a customer received from the securities management system. Coupon storage means for storing coupon data generated as a result of a defined transaction, and purchased product reception means for receiving data of bank-handled financial products purchased by the customer, the bank-handled financial product data The purchase product receiving means including information for specifying the bank handling financial product purchased by the customer, and the coupon storage means based on the customer data included in the data of the bank handling financial product A coupon reading means for reading the coupon data stored in the card, and the coupon data can be read. On the condition that the read coupon is valid, determination means for determining the validity of customer funds for purchasing the banking financial product, and determination that the customer funds are valid A generating means for generating data of the bank handling financial product in accordance with a first preferential condition, provided that the first preferential condition is a normal purchase of a financial product of the same type as the banking financial product. It is characterized by comprising a generation means that is a preferential condition over the condition sometimes applied.

  Another aspect of the present invention is a method executed by a bank system connected to a securities management system controlled by a securities company, the method being performed by a customer received from the securities management system. Storing coupon data generated as a result of a predetermined transaction, and receiving banking financial product data purchased by the customer, wherein the banking financial product data is: Including information for specifying the banking financial product purchased by the customer, and the stored coupon data based on the customer data included in the banking financial product data. On the condition that it can be read, the coupon data can be read, and the read coupon is valid The bank according to the first preferential condition on the condition that the validity of the customer funds for purchasing the banking financial product is determined and that the customer funds are determined to be valid Generating data of handled financial products, wherein the first preferential condition is a preferential condition over a condition that is applied at the time of normal purchase of a financial product of the same type as the banked financial product. It is characterized by providing.

  Another aspect of the present invention is a program for causing a computer to execute the above method.

  According to the present invention, it is possible to sell a financial product under a preferential condition by using a coupon provided by a securities management system in a banking system of a bank linked with a securities management system of a securities company. Thus, convenience for customers can be enhanced.

A detailed understanding of the embodiments disclosed herein can be obtained from the following description, illustrated with reference to the accompanying drawings.
1 is a schematic diagram of an entire system including a securities management system and a bank system according to the present invention. It is a system configuration figure of a securities management system concerning the present invention. It is a flowchart explaining the coupon production | generation process performed with the securities management system concerning this invention. It is a figure explaining an example of the data structure of a securities customer master. It is a figure explaining an example of the goods selection screen and purchase order content confirmation screen which are provided by the securities management system concerning the present invention. It is a system configuration figure of the bank system concerning the present invention. It is a flowchart explaining the preferential time deposit preparation process performed with the bank system which concerns on this invention. It is a figure explaining an example of the data structure of a bank customer master. It is a figure explaining an example of the data structure of a transaction statement file. It is a figure explaining an example of the data structure of a financial product description file. It is a figure explaining an example of the data structure of an interest rate table. It is a figure explaining an example of the data structure of coupon DB. It is a functional block diagram of the bank system concerning the present invention.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail. As shown in Patent Document 1, a mechanism in which a securities company's securities management system and a bank's banking system cooperate with each other to share information exists as a prior art. To do. For this reason, the following description will be made on the assumption that the customer has already agreed to the sharing of customer information between the bank system and the securities management system. For example, when a bank customer is introduced to a securities company, the securities management system includes customer information such as account information of the customer's bank, and consent to consent to information sharing between the two companies. Information, etc. are stored. On the other hand, the banking system also stores customer information such as the securities transaction account information of the customer, information on consent to agree to share information between the two companies, and the like.

  FIG. 1 is a schematic diagram of the entire system including a securities management system 100 and a bank system 110 according to the present invention. The securities management system 100 and the bank system 110 are connected to each other via a network 120.

  The securities management system 100 is connected to a securities company terminal 101, and is further connected to a plurality of securities customer terminals 102 a and 102 b (hereinafter referred to as “securities customer terminal 102” in this specification) and a network 103. Connected. The brokerage company terminal 101 is a terminal installed in a brokerage company that is used by employees of the brokerage company and the like, and is a terminal that can input contents received from customers into the securities management system 100. . The securities customer terminal 102 is a terminal that can use the online trade service provided by the securities management system 100. The securities customer terminal 102 may be a terminal used by an individual customer. For example, a personal computer (PC), a laptop, a personal digital assistant (PDA), a user equipment (UE), a mobile station, a cellular phone, a smartphone, or a wired Alternatively, it may be any other type of device operable in a wireless environment, and is not particularly limited.

  The bank system 110 is connected to an in-bank terminal 111, and further via a network 113 and a plurality of bank customer terminals 112 a and 112 b (hereinafter referred to as “bank customer terminal 112”). It is connected. The bank terminal 111 is a terminal installed in the bank, which is used by bank employees and the like, and is a terminal that can input contents received from a customer into the bank system 110. The bank customer terminal 112 is a terminal that can use the Internet banking system provided by the bank system 110. The bank customer terminal 112 may be a terminal used by an individual customer. For example, a personal computer (PC), a laptop, a personal digital assistant (PDA), a user equipment (UE), a mobile station, a cellular phone, a smartphone, or a wired Alternatively, it may be any other type of device operable in a wireless environment, and is not particularly limited.

  The networks 103, 113, and 120 are not particularly limited as long as they are well-known networks that can communicate with each other, including dedicated lines and the Internet.

  In FIG. 1, for convenience of explanation, the securities customer terminal 102 and the bank customer terminal 112 are described as separate ones, but both may be the same customer terminal. Further, the networks 103 and 113 may be the same network.

  As described above, customer information is shared between the bank system 110 and the securities management system 100. For example, when introducing a customer in a bank to a securities company, the bank customer master 606 in the bank system 110 via the bank terminal 111 is an introduction customer and has agreed to share information. Is registered, predetermined data of the customer data is transmitted to the securities management system 100 at a predetermined timing, and stored in the securities customer master 206 in the securities management system 100.

  FIG. 2 is a system configuration diagram of the securities management system 100. As shown in FIG. 2, the securities management system 100 includes a control unit 201, a main storage unit 202, an auxiliary storage unit 203, and an interface (IF) unit 204 that are connected to each other via a bus 210 or the like, like a general computer. And an output unit 205. In addition, the securities management system 100 can include a securities customer master 206, a product information DB 207, a customer asset DB 208, and a coupon DB 209.

  The control unit 201 is also called a central processing unit (CPU), performs control of each component in the securities management system 100 and calculation of data, and stores various programs stored in the auxiliary storage unit 203 into the main storage unit. 202 can be read and executed. The main storage unit 202 is also called a main memory, and can store various received data, computer-executable instructions, data after arithmetic processing by the instructions, and the like. The auxiliary storage unit 203 is a storage device typified by a hard disk (HDD) and is used when data and programs are stored for a long period of time.

  In the embodiment of FIG. 2, the embodiment in which the control unit 201, the main storage unit 202, and the auxiliary storage unit 203 are provided in the same server computer has been described. However, as another embodiment, the securities management system 100 includes the control unit 201. Further, by using a plurality of main storage units 202 and auxiliary storage units 203, parallel distributed processing by a plurality of server computers can be realized. As another embodiment, a plurality of servers for the securities management system 100 may be installed, and a plurality of servers may share one auxiliary storage unit 203.

  The IF unit 204 serves as an interface for transmitting and receiving data to and from other systems and devices, and provides an interface for receiving various commands and input data (such as various masters and tables) from the system operator. Can do. The output unit 205 can provide a display screen for displaying the processed data, a printing unit for printing the data, and the like.

  The securities customer master 206 can store master information of a customer who has opened a securities trading account with a securities company. FIG. 4 is a diagram for explaining an example of the data structure of the securities customer master 206. The securities customer master 206 can include a securities customer ID 401, securities trading account information 402, attribute information 403, information sharing agreement category 404, introduction customer category 405, common customer number 406, bank customer ID 801, and bank account information 803. However, the present invention is not limited to these data items, and other data items can be included.

  A securities customer ID 401 is an identifier for identifying a customer who has opened an account with a securities company. The securities trading account information 402 is information on a customer's securities trading account, and may include information such as a branch, an account number, and an account type (for example, a general account, a specific account, etc.). The attribute information 403 can include information such as the customer's name, name, address, and contact information. The information sharing consent section 404 can include information indicating whether or not the customer has consented to the sharing of customer information between the bank system 110 and the securities management system 100. When the customer's consent is not obtained, information obtained from the bank system 100, for example, information of the bank customer ID 801 and the bank account information 803 is not stored in the securities customer master 206.

  The introduction customer classification 405 can include information such as whether the customer is introduced from the bank to the securities company or the customer introduced from the securities company to the bank. The common customer number 406 is a number for associating a plurality of account information held by a certain securities company and bank with a certain customer. For example, if a customer has one securities trading account with a securities company and two deposit accounts with a bank, the common customer number 406 is used to correlate the information of these three accounts. Will be able to. The common customer number 406 is the same number as the common customer number 807 described later. The bank customer ID 801 is a number for each store that manages the bank customer, and the bank account information 803 is information on the bank account of the customer, and can include information such as the store number, item, account number, and account name. .

  The product information DB 207 is a database that stores information on financial products (for example, investment trusts, bonds) that can be provided to customers by the securities management system 100. The securities management system 100 can store, in the product information DB 207, information that can be identified as a product that provides a preferential service to a customer in cooperation between a securities company and a bank. The product information stored in the product information DB 207 can be displayed as a list of financial products that can be selected on the securities customer terminal 102 as illustrated in FIG. The display “xxx target product” illustrated in FIG. 5A is identification information indicating that the product provides a preferential service to the customer in cooperation between the securities company and the bank.

  The customer asset DB 208 is a database that stores information on customer custody assets. The securities management system 100 can show information on customer custody assets read from the customer asset DB 208 on the securities company terminal 101 and the securities customer terminal 102. The customer asset DB 208 can also include information (for example, information for identifying a coupon) indicating what kind of coupon has been issued in association with information on a customer's assets (for example, investment trust). By specifying information for identifying a coupon through the securities customer terminal 102, the customer can refer to the coupon at any time.

  The coupon DB 209 is a database that stores coupon data generated by the coupon generation process described in FIG. The generated coupon is transmitted from the securities management system 100 to the bank system 110 at a predetermined timing.

  FIG. 3 is a flowchart for explaining a coupon generation process executed in the securities management system 100 according to the present invention.

  In S301, the securities management system 100 can perform an authentication process for a customer who intends to purchase a financial product. The securities customer terminal 102 can transmit authentication information such as a securities customer ID 401 and a password when accessing the online trade service provided by the securities management system 100. When the authentication process is successfully executed in the securities management system 100, the process proceeds to S302. Also at the over-the-counter counter of the securities company, after confirming the identity of the customer, the securities management system 100 is accessed, and the process proceeds to S302.

  In S302, securities management system 100 can receive purchase application data for a financial product desired by a customer. When the customer accesses the online trade service from the securities customer terminal 102, the information on the financial product read from the product information DB 207 is displayed on the product selection screen as shown in FIG. A desired financial product can be selected through the securities customer terminal 102. The securities management system 100 can receive purchase application data for the selected financial product. Further, since the customer can select a desired financial product even at a securities company store, the securities management system 100 can receive purchase application data of the selected financial product through the securities company terminal 101.

  In S303, securities management system 100 can execute a purchase process. For example, the securities management system 100 can display a purchase order details confirmation screen as shown in FIG. 5B on the display of the securities company terminal 101 or the securities customer terminal 102. In response to the pressing of the “Order” button in FIG. 5B, the purchase process for the financial product applied for by the customer can be executed.

  In S304, securities management system 100 uses information stored in product information DB 207 to determine whether the purchased financial product is a target product for which a coupon can be generated. When the purchased financial product is a target product, a coupon can be issued on condition that a predetermined condition is satisfied in subsequent processing. Whether the product is a target product can be identified by information such as “xxx target product” as shown in FIG. 5A, for example, and the information is stored in the product information DB 207. The information is not particularly limited as long as it is information that can identify whether the product is a target product. As another embodiment of the present invention, the information on the target product may be stored in another table, and is not particularly limited. As a result of the determination process of S304, if it is determined that the product is a target product, the process proceeds to S305. If it is determined that the product is not a target product, the process flow ends.

  In S305, securities management system 100 determines whether a coupon can be issued. Specifically, the securities management system 100 accesses the securities customer master 206, and the customer who purchased the target product is a predetermined condition (for example, an introduction customer from a bank or information between a bank and a securities). If you agree to sharing, etc.) and whether the total contract amount of the financial products purchased on the same contract date is greater than or equal to a predetermined amount To do. These conditions can be predetermined between the bank and the securities company. As a result of the determination process in S305, if it is determined that a coupon can be issued, the process proceeds to S306. On the other hand, if it is determined that a coupon cannot be issued, the process flow ends.

  In S306, securities management system 100 can execute processing for generating a coupon. The coupon is data indicating to a customer that the partner bank can receive a predetermined preferential service, and can include information for identifying a service that the customer can enjoy at the partner bank. For example, if a customer introduced to a securities company by using a coupon purchases a financial product (for example, an investment trust or bond) of a predetermined amount at the securities company, it will be within a predetermined period. In some cases, the partner bank can receive a preferential service such as making a time deposit with a preferential interest rate, so that the coupon can include information on the preferential service. In addition, the preferential services that customers can enjoy at the bank are not limited to the above, but may be preferential treatment of foreign exchange fees, preferential treatment of various bank services, points that can be used in the Internet banking system, What preferential services can be selected by the customer can be set in advance by a bank or a securities company. Moreover, the securities management system 100 can also include in the coupon information that allows the customer to select a preferential service that can be selected by the customer according to the transaction content (target product, transaction amount, etc.) of the customer. In such a case, the customer can select a preferential service tailored to himself / herself from a plurality of preferential services that can be selected.

  In S307, the securities management system 100 can read a coupon from the coupon DB 209 at a predetermined timing and transmit the coupon to the bank system 110.

  In the above description, it has been described that coupon data is transmitted from the securities management system 100 to the bank system 110. However, in one embodiment of the present invention, the generated coupon is stored in the securities customer terminal 102. It can also be confirmed on the display. More specifically, when a coupon is generated, the securities management system 100 can notify the securities customer terminal 102 that the coupon has been issued. This notification may be performed on the online trade screen, or may be performed by notifying an e-mail to the customer's mail address. Further, the customer accesses the customer asset DB 208 of the securities management system 100 through the securities customer terminal 102, and displays the coupon on the display by selecting the issued coupon (even a few days after issuance). You can also. With such a function, the customer can hold the coupon at hand by printing it with a printer or the like, and can also present it to the other party when visiting the store of the bank.

  Next, the bank system 110 that cooperates with the securities management system will be described. FIG. 6 is a system configuration diagram of the bank system 110 according to the present invention. The bank system 110 includes a control unit 601, a main storage unit 602, an auxiliary storage unit 603, an interface (IF) unit 604, and an output unit 605 that are connected to each other by a bus 620 or the like, like a general computer. it can. The control unit 601, main storage unit 602, auxiliary storage unit 603, IF unit 604, and output unit 605 are the control unit 201, main storage unit 202, auxiliary storage unit 203, IF unit 204, and output described with reference to FIG. Since the same function as that of the unit 205 is achieved, detailed description thereof is omitted here.

  The bank system 110 can include a bank customer master 606, a transaction statement file 607, a financial product statement file 608, an interest rate table 609, a coupon DB 610, and an exchange table 611.

  The bank customer master 606 is a customer master file that stores basic information of bank customers, and is also referred to as a customer information file (CIF). FIG. 8 is a diagram for explaining an example of the data structure of the bank customer master 606. As shown in FIG. 8, the bank customer master 606 includes a bank customer ID 801, a transaction store ID 802, bank account information 803, attribute information 804, an information sharing agreement category 805, an introduction customer category 806, a securities customer ID 401, securities account information 402 and A common customer number 807 can be included, but is not limited to these data items and can include other data items. For example, the bank customer master 606 may be configured to include information such as a seal of a registered seal stamp, a card type, and a personal identification number. The bank customer master 606 can also function as a common data item for customer account information.

  The bank customer ID 801 is a number for each store that manages the bank customer, and may be configured to include the transaction store ID 802 as a part thereof. For example, when the number indicating a certain store is “111”, the bank customer ID 801 can be “111222222” (that is, the transaction store ID 802 + a unique number in the store). Dealer ID 802 is a number for identifying the branch that manages the customer. The bank account information 803 is information on a customer's bank account, and can include information such as a store number, a subject, an account number, and an account name. The attribute information 804 can include information such as the customer's name, name, address, and contact information. The information sharing consent section 805 can include information indicating whether or not the customer has consented to the sharing of customer information between the bank system 110 and the securities management system 100. The introduction customer classification 806 may include information such as whether the customer is introduced to the securities company from the bank or whether the customer is introduced to the bank from the securities company. The securities customer ID 401 and the securities account information 402 are data having the same contents as the items described with reference to the securities customer master 206, and are linked between the bank system 110 and the securities management system 100 on the premise of customer consent. It is the data that can be obtained as a result.

  The common customer number 807 is a customer identification number for facilitating name collation when the customer has a plurality of accounts in the same bank. “Name identification” refers to calculating the total deposit held by a depositor by identifying a true depositor. Since the common customer number 807 is used as a number for identifying the customer, it can be stored in the customer master of another financial institution. In such a case, the common customer number 807 is stored in the common customer number 807. Based on this, it becomes possible to associate customer account information held by a plurality of financial institutions. The common customer number 406 described above can have the same value as the common customer number 807. The common customer number 807 only needs to be able to identify the customer. In other embodiments of the present invention, the common customer number 807 may be composed of alphanumeric characters, symbols, and / or kana characters, and the like.

  FIG. 9 is a diagram for explaining an example of the data structure of the transaction details file 607. The transaction details file 607 can store transaction details in various accounts such as a bank customer's savings account and a checking account. The transaction details file 607 can include a bank customer ID 801, bank account information 803, transaction date + serial number 901, deposit / withdrawal classification 902, transaction store 903, amount 904, and summary 905, but is limited to these data items. Other data items can be included depending on the type of account. The bank customer ID 801 and the bank account information 803 are the same as the data items described with reference to FIG.

  The transaction date + serial number 901 includes information obtained by combining the date when the bank customer has made a transaction such as deposit or withdrawal in the account and a sequential number. For the year / month / day, only the year / month / day (YYYYMMDD) may be used, or the hour / minute / second (HHMMMS) information may be used in addition to the year / month / day. Sequential numbers are given because there is a possibility of multiple transactions on the same day. A deposit / withdrawal category 902 indicates a transaction category such as deposit / withdrawal. Dealer 903 indicates which store or ATM other than the store has been used for the transaction. The amount 904 indicates the transaction amount of a transaction such as deposit / withdrawal. The summary 905 includes information on deposit / withdrawal, for example, information such as transfer from another bank, salary transfer, and automatic withdrawal of utility charges.

  The financial product statement file 608 can store detailed data of financial products purchased by customers. FIG. 10 is a diagram for explaining an example of the data structure of the financial product statement file 608. As shown in FIG. 10, the financial product statement file 608 can include a bank customer ID 801, bank account information 803, a detailed number 1001, a name 1002, a product content 1003, and an identification code 1004, but is limited to these data items. It is not possible to include other data items. The bank customer ID 801 and the bank account information 803 are the same as the data items described with reference to FIG.

  The detail number 1001 is a number for identifying the details of a financial product purchased by a customer (for example, a time deposit (yen, foreign currency), an investment trust, etc.). The name 1002 is the name of the financial product purchased by the customer (for example, “Super term deposit 3 months” “US dollar term deposit 1 year”, etc.). The product content 1003 represents the details of the purchased financial product. For example, if the purchased financial product is a time deposit, the product content 1003 stores information such as the creation date, maturity date, amount, and interest rate of the time deposit. As for the interest rate information, the interest rate information of the financial product (for example, time deposit) to be purchased, which is stored in the interest rate table 609 when the financial product is purchased, can be set. As another embodiment of the present invention, the interest rate information may be set by acquiring information from another data file without depending on the information of the interest rate table 609. The identification code 1004 is a code for indicating a financial product (for example, a preferential time deposit) purchased using a coupon provided by the securities management system 100. It should be noted that means other than the identification code 1004 can be used as long as it can be identified as a financial product purchased using a coupon provided by the securities management system 100.

  The interest rate table 609 can store data on the applicable interest rate of financial products (for example, time deposits) provided by banks. The financial product provided by the bank may be based on yen or foreign currency. FIG. 11 is a diagram for explaining an example of the data structure of the interest rate table 609. The interest rate table 609 can include the applicable interest rate of each financial product, as shown in FIG.

  The coupon DB 610 is a database that stores coupon data received from the securities management system 100. The coupon can include information identifying preferential services that the customer can enjoy at the bank. For example, by using a coupon, a customer can create a time deposit with a preferential interest rate at a bank within a predetermined period when a financial product of a predetermined amount is purchased at a securities company. Since the preferential service may be received, the coupon may include information on the preferential service. As another example, the preferential service that the customer can enjoy at the bank may be preferential treatment of foreign exchange fees, preferential treatment of various bank services (transfer, safe deposit box, etc.), points that can be used in the Internet banking system, and the like. In an embodiment, the bank system 110 may be configured such that the customer can select a preferential service according to the transaction content (target product, transaction amount, etc.) with the customer's securities company or bank. Note that the exchange table 611 may be used when receiving a preferential treatment for a foreign exchange fee. The exchange table 611 may include, in addition to the transaction rate of each currency, for example, data indicating that a product can be traded at a preferential rate of xx money than usual in the US dollar (eg, US dollar purchase transaction rate: 117). Yen 10 yen, preferential transaction rate when purchasing US dollars: 116.10 yen, etc.).

  FIG. 12 is a diagram for explaining an example of the data structure of the coupon DB 610. The coupon DB 610 can include a securities customer ID 401, a bank customer ID 801, a common customer number 807, a coupon expiration date 1201, a purchaseable financial product 1202, an interest rate 1203, and a maximum amount 1204, but is limited to these data items. However, it is possible to include other data items according to the contents of the preferential service that the customer can receive. The securities customer ID 401, the bank customer ID 801, and the common customer number 807 are the same as the data items having the same names already described above.

  The coupon expiration date 1201 indicates the expiration date of the coupon issued by the securities management system 100. The expiration date can be determined in advance between the securities company and the bank. The purchaseable financial product 1202 indicates the type of financial product that can be purchased (for example, yen / foreign currency time deposit and term, specific investment trust, etc.) when the content of the preferential service is purchase of a financial product under preferential conditions. Show. The interest rate 1203 can store the interest rate of the preferential interest rate when the preferential condition indicated by the purchaseable financial product 1202 indicates an interest rate. The upper limit amount 1204 can indicate the upper limit of the amount of money that can be purchased for the financial product under the condition that the customer is favored more than usual in the bank. As will be described later, in one embodiment of the present invention, the interest rate table 609 is referred to when creating a time deposit, but in other embodiments, an interest rate included in a coupon may be used.

  As described above, a customer who satisfies a predetermined condition can receive various preferential services at the bank. Hereinafter, the case where the content of the preferential service is creation of a time deposit at a preferential interest rate will be described. In the present specification, for the sake of explanation, first, a normal time deposit creation process executed in the bank system 110 will be described, and then time deposit creation at a preferential interest rate will be described.

  First, the customer is specified in the storefront or the internet banking system, and the customer is asked to specify the type and amount of the time deposit to be created. Types of time deposits include, for example, super time deposit 3 months or large time deposit 6 months. When the bank system 110 receives information on the type and amount of the time deposit to be created, the bank system 110 refers to the interest rate table 609 and obtains information on what percentage the applicable interest rate of the time deposit is. The bank system 110 generates the detailed data of the fixed deposit based on the acquired information on the applicable interest rate, the type of fixed deposit, and the information on the amount of money, and stores it in the financial product detailed file 608 as the fixed deposit data of the customer.

  Next, a preferential time deposit creation process executed by the bank system 110 will be described with reference to FIG. FIG. 7 is a flowchart for explaining preferential time deposit creation processing executed in the bank system 110 according to the present invention.

  In S701, the bank system 110 can perform an authentication process for a customer who intends to purchase a time deposit. When the bank customer terminal 112 accesses the Internet banking system provided by the bank system 110, the bank customer terminal 112 can transmit authentication information such as a customer ID and a password to the bank system 110. If the authentication process is successfully performed in the bank system 110, the process proceeds to S702. Also at the bank sales office, after confirming the identity of the customer, access to the bank system 110 is performed from the bank terminal 111, and the process proceeds to S702. If the customer authentication fails or the customer identity cannot be confirmed in S701, the following processing is not executed.

  In S <b> 702, the bank system 110 can receive application data for a time deposit desired by the customer from the in-bank terminal 111 or the bank customer terminal 112. The application data can include information on the type and period of preferential interest time deposits (for example, large term deposits with preferential interest rates for 3 months).

  In S703, the bank system 110 reads the customer's bank customer ID 801 included in the received application data, and reads the coupon associated with the customer from the coupon DB 610 using the read bank customer ID 801. Although it has been described above that the customer can print and hold the coupon, the customer does not need to print the coupon in order to receive the preferential service. The present invention is configured such that the bank system 110 confirms that the customer is holding the coupon even if the customer has not printed the coupon.

  At S704, bank system 110 can read a coupon from coupon DB 610 and determines whether the read coupon is valid. Since the coupon includes a coupon expiration date 1201, it is determined whether this processing flow is executed within the time limit indicated by the coupon expiration date 1201. If the coupon could not be read or if the coupon could be read but the read coupon is not valid, the process proceeds to S707. On the other hand, if the coupon can be read and the coupon is valid, the process proceeds to S705.

  In S705, the bank system 110 can determine whether or not the funds for creating the preferential time deposit are appropriate to satisfy predetermined requirements (for example, new funds, purchase amount, currency type). .

More specifically, the “new funds” exemplified as the predetermined requirement, the bank system 110 reads the deposit / withdrawal data for a predetermined period from the transaction details file 607 of the customer, and It is possible to determine whether there are a plurality of deposit / withdrawal records. Conditions other than the following (1) to (3) may be used for the determination of validity. In the present invention, when a bank customer has a plurality of bank accounts in the same bank, whether or not it is appropriate to access the transaction details file 607 of the customer's multiple accounts using the common customer number 807 It is also possible to make a determination.
(1) The summary 905 of data indicating that the deposit / withdrawal classification 902 indicates “deposit” indicates that the deposit / withdrawal classification 902 has been accepted by transfer processing from another bank. (In such a case, it is also determined whether the transfer amount is roughly equivalent to the amount of the preferential time deposit that you are trying to make)
(2) Of the data in which the deposit / withdrawal category 902 indicates “withdrawal”, there is no withdrawal data having an amount substantially equivalent to the amount of the preferential time deposit to be created within a predetermined period. (You can tell if cash has been brought into the store.)
(3) Deposit data and withdrawal data having an amount substantially equivalent to the amount of the preferential time deposit to be created are not generated within a predetermined period. (You can tell if you have withdrawn from your account and have deposited it again)
If one or more cases as exemplified in the above (1) to (3) have occurred, the bank system 110 determines that the funds for creating the preferential time deposit are appropriate, and S706 The process proceeds. On the other hand, if it is determined that it is not appropriate, the bank system 110 advances the processing to S707. The reason that “substantially equivalent” in the conditions (2) and (3) is to include an amount within a predetermined range.

  Speaking specifically about the “purchase amount” exemplified as the predetermined requirement, the bank system 110 determines that the customer's funds are appropriate when the funds for creating the preferential deposit are equal to or greater than a predetermined amount. be able to.

  Speaking specifically about the “type of currency” exemplified as the predetermined requirement, when the customer creates a preferential time deposit using a savings deposit of a specific foreign currency (for example, US dollars), the bank system 110 Can be determined to be reasonable. In such a case, it is not necessary for the currency of the preferential time deposit and the specific currency of the savings deposit to be the same. For example, a preferential time deposit in British pounds may be created using a US dollar ordinary deposit. You may use a deposit to create a preferential time deposit in US dollars.

  When determining the adequacy of the customer's funds, the “new funds”, “purchase amount”, and “currency type” exemplified above may be used alone or in combination. You may make it use.

  In S706, the bank system 110 can perform processing for creating a time deposit with a preferential interest rate. Specifically, the bank system 110 accesses the interest rate table 609 based on information such as the type and period of the preferential interest time deposits included in the application data received in S702, and the corresponding preferential time deposits. Get interest rate information. In another embodiment, interest rate information included in the coupon read in S703 may be used.

  The banking system 110 generates preferential interest rate time deposit data based on the acquired preferential time deposit interest rate information and information such as the type and period of the preferential interest time deposit included in the received application data, The generated preferential interest term deposit data can be stored in the financial product statement file 608.

  In S707, the bank system 110 can notify the customer that a time deposit with a preferential interest rate cannot be created and ask the customer to confirm whether or not to create a time deposit with a normal interest rate. When receiving an instruction from a customer about creating a regular interest rate time deposit from the in-bank terminal 111 or the bank customer terminal 112, the bank system 110 can perform a normal time deposit creation process. On the other hand, when a customer instruction not to create a regular interest rate time deposit is received, this processing flow ends.

  In the above embodiment, even if the customer has a valid coupon, the funds for creating the preferential time deposit satisfy a predetermined requirement (for example, new funds, purchase amount, currency type). If not, an embodiment has been described in which a regular interest rate time deposit is created subject to customer consent. In the present invention, other embodiments described below can be adopted.

  In other embodiments of the present invention, even if the customer has a valid coupon, the funds for creating a preferential time deposit meet predetermined requirements (eg, new funds, purchase amount, currency type). If not, the banking system 110 may be configured to perform a process of creating a second deposit with a preferential interest rate. The second preferential interest rate can be an interest rate with a preferential interest rate suppressed as compared with the preferential interest rate described in S707 (in other words, the first preferential interest rate). That is, if the first preferential interest rate is X%, the second preferential interest rate is Y%, and the normal interest rate is Z%, the relationship X> Y> Z holds.

  In still another embodiment of the present invention, it is possible to provide three or more preferential rates that can be set. In such a case, the bank system 110 can also apply each preferential interest rate according to a predetermined condition. For example, if there is a valid coupon and the funds are valid, apply the first preferential interest rate and if the valid coupon exists but the funds are not valid, the periodic Depending on the amount of deposit, the second preferential interest rate may be set if it is greater than or equal to a predetermined amount, and the third preferential interest rate may be set if it is less than the predetermined amount. In this case, the relationship of first preferential interest rate> second preferential interest rate> third preferential interest rate holds. The second and third preferential interest rates can be controlled according to the amount of the time deposit to be created, and an embodiment in which other criteria are applied can also be adopted.

  In the above-described embodiment described with reference to FIG. 7, when “No” is determined in S <b> 704 and S <b> 705, it has been described that the next flow is determined based on the presence or absence of customer consent in S <b> 707. In another embodiment of the present invention, when “No” in S704 and S705, the bank customer terminal 112 is notified of a message indicating that a time deposit with a preferential interest rate cannot be created, or the bank terminal 111 or the bank customer terminal It is also possible to configure the bank system 110 so as to end the processing flow of FIG. 7 and return to a predetermined screen after being displayed on the display 112.

  FIG. 13 is a functional block diagram of the bank system 110. As described with reference to FIG. 1, the bank system 110 is connected to the securities management system 100 controlled by a securities company. As shown in FIG. 13, the bank system 110 includes an authentication unit 1301, a purchased product receiving unit 1302, a coupon reading unit 1303, a determining unit 1304, a generating unit 1305, a bank customer master 606, a transaction details file 607, and a financial product details file. 608, an interest rate table 609, a coupon DB 610, and an exchange table 611 can be provided. The bank customer master 606, transaction details file 607, financial product details file 608, interest rate table 609, coupon DB 610, and exchange table 611 are the same as the databases, tables, and files described with reference to FIG.

  The authentication unit 1301 can perform authentication processing for customers who want to purchase financial products (for example, time deposits (yen / foreign currency), investment trusts). Specifically, the bank customer terminal 112 can transmit authentication information such as a customer ID and a password to the bank system 110 when accessing the Internet banking system provided by the bank system 110. The authentication unit 1301 makes an inquiry to the bank customer master 606 in response to receiving the authentication information, and can perform authentication processing based on whether or not the customer ID and password of the customer match.

  The purchased product receiving unit 1302 can receive purchase application data of financial products purchased by bank customers. The received purchase data for the financial product includes customer information for identifying the bank customer (for example, bank customer ID 801, store ID 802, bank account information 803, etc.). The financial product is a financial product sold by a bank (for example, time deposit (yen / foreign currency), investment trust, etc.). The received purchase data for the financial product may include information for identifying the financial product to be purchased by the customer (for example, a three-month large time deposit with a preferential interest rate).

  The coupon reading unit 1303 can inquire the coupon DB 610 using customer information included in the financial product data received by the purchased product receiving unit 1302 and read the coupon associated with the customer.

  When the determination unit 1304 determines that the coupon can be read by the coupon reading unit 1303 and is within the period indicated by the coupon expiration date 1201 of the read coupon, the validity of the customer funds for purchasing the financial product is determined. Gender can be determined. The validity determination can include determining whether the customer funds are new funds. Whether it is a new fund may be performed based on the conditions (1) to (3) described above in the description of S705, or may be performed based on other conditions.

  The generation unit 1305 can generate data of a financial product that the customer desires to purchase when the determination unit 1304 determines that the customer funds are appropriate, that is, new funds. If the financial product is a time deposit, the generated data is stored in the financial product specification file 608. The generated financial product data may include conditions that are more preferential than conditions that are applied at the time of normal purchase of similar financial products (ie, normal interest rates).

  As another embodiment of the present invention, the generation unit 1305 has a valid coupon as described above, but funds for creating a preferential time deposit have predetermined requirements (for example, new funds, purchase amount, currency It is also possible to perform a process for creating a time deposit with a second preferential interest rate when it is not appropriate to satisfy the above type). In such a case, the relationship of first preferential interest rate> second preferential interest rate holds.

  In still another embodiment of the present invention, it is possible to provide three or more preferential rates that can be set. In such a case, the generation unit 1305 may be configured to apply each preferential interest rate according to a predetermined condition. For example, if there is a valid coupon and the funds are valid, apply the first preferential interest rate and if the valid coupon exists but the funds are not valid, the periodic The generation unit 1305 may be configured so that the second preferential interest rate can be set if the amount is greater than or equal to a predetermined amount and the third preferential interest rate can be set if the amount is less than the predetermined amount, depending on the amount of deposit. In this case, the relationship of first preferential interest rate> second preferential interest rate> third preferential interest rate holds. The second and third preferential interest rates can be controlled according to the amount of the time deposit to be created, and an embodiment in which other criteria are applied can also be adopted.

  The preferential interest time deposit data generated in the present invention can be used as raw data for generating aggregate data in the securities management system 100 and the bank system 110. For example, the banking system 110 can transmit the time deposit data of preferential interest rates at a predetermined timing to the securities management system 100 together with data for each branch of a securities company that has transactions with the customer. The data can be aggregated for each store and output through the bank terminal 111.

  Although the principle of the present invention has been described above with reference to exemplary embodiments, those skilled in the art will appreciate that various embodiments that change in configuration and details can be realized without departing from the spirit of the present invention. Will understand. That is, the present invention can adopt an embodiment as, for example, a system, apparatus, method, program, or storage medium.

DESCRIPTION OF SYMBOLS 100 Securities management system 101 Securities company terminal 102 Securities customer terminal 110 Bank system 111 In-bank terminal 112 Bank customer terminal 103, 113, 120 Network 201, 601 Control unit 202, 602 Main storage unit 203, 603 Auxiliary storage unit 204, 604 interface (IF) part 205, 605 output part 206 securities customer master 207 commodity information DB
208 Customer Asset DB
209, 610 Coupon DB
606 Bank customer master 607 Transaction details file 608 Financial product details file 609 Interest rate table 611 Exchange table 1301 Authentication unit 1302 Purchased product reception unit 1303 Coupon reading unit 1304 Judgment unit 1305 Generation unit

Claims (14)

A banking system connected to a securities management system controlled by a securities company,
Coupon storage means for storing coupon data generated as a result of a predetermined transaction performed by a customer, received from the securities management system;
Purchased product receiving means for receiving data of a banking financial product purchased by the customer, wherein the banking financial product data includes information for specifying the banking financial product purchased by the customer. Including purchased product receiving means;
Coupon reading means for reading out the coupon data stored in the coupon storage means based on the customer data included in the bank handling financial product data;
Determination means for determining the validity of customer funds for purchasing the bank handling financial product on the condition that the coupon data can be read and the read coupon is valid;
On the condition that it is determined that the customer funds are appropriate, the generating means for generating data of the bank handling financial product in accordance with a first preferential condition, the first preferential condition, A banking system comprising: a generating unit that is a preferential condition over a condition applied at the time of normal purchase of a financial product of the same type as the banking financial product.   The banking system of claim 1, wherein the validity of customer funds for purchasing the banking financial product is determined based on whether the customer funds are new funds. A transaction statement file for storing transaction details in the customer's account;
The determination as to whether or not the customer funds are new funds is based on whether or not the deposit data of the customer included in the transaction statement file includes a transfer record from another financial institution. Banking system. A transaction statement file for storing transaction details in the customer's account;
Whether or not the customer funds are new funds is determined by checking whether the amount indicated by the withdrawal data in the predetermined period included in the transaction file is equal to the amount of the banking financial product purchased by the customer 3. The banking system of claim 2, wherein the banking system is determined based on whether or not it is within a predetermined range of the amount of banking financial products purchased by the customer. A transaction statement file for storing transaction details in the customer's account;
The bank system according to claim 2, wherein whether or not the customer funds are new funds is determined based on money amount information specified by deposit data and withdrawal data in a predetermined period included in the transaction statement file. .   6. The banking system of claim 3-5, wherein the banking system is further configured to refer to the transaction details file for a plurality of the accounts based on the customer identifier of the customer when there are a plurality of the customer accounts. A banking system according to one of the above.   The generating means for generating data of the bank handling financial product in accordance with a second preferential condition on the condition that it is determined that the customer funds are not valid, wherein the first preferential condition is The second preferential condition is a preferential condition over the condition that is applied at the time of normal purchase of the same kind of financial product as the bank handling financial product. The bank system according to claim 1, further comprising the generating means.   The first preferential condition, the second preferential condition, and the condition applied at the time of normal purchase of a financial product of the same type as the banking financial product indicate an interest rate of the banking financial product, and the first preferential condition The interest rate indicated by the second preferential condition is higher than the interest rate indicated by the second preferential condition, and the interest rate indicated by the second preferential condition is a condition applied at the time of normal purchase of a financial product of the same type as the bank handling financial product. The banking system of claim 7, wherein the banking system is higher than the interest rate indicated by. Interest rate condition storage means for storing the identification information of the bank handling financial product and the interest rate condition associated with the identification information of the bank handling financial product,
The bank system according to claim 1, wherein the first preferential condition is stored in advance in the interest rate condition storage means.   The bank system according to claim 1, wherein the first preferential condition is included in advance in the read data of the coupon. The banking system further comprises information on preferential conditions of a plurality of types of transactions based on the coupon,
The banking system according to claim 1, wherein the banking system is further configured so that the customer can select desired preferential conditions from the plurality of types of preferential conditions according to the transaction contents of the customer.   The validity of the customer funds for purchasing the banking financial product is determined whether the customer funds are new funds, whether the customer funds are a predetermined amount or more, and whether the customer funds are The banking system of claim 1, wherein the banking system is determined based on at least one of a predetermined type of foreign currency. A method performed by a banking system connected to a securities management system controlled by a securities company, the method comprising:
Storing coupon data generated as a result of a predetermined transaction made by a customer received from the securities management system;
Receiving data on banking financial products purchased by the customer, the banking financial product data including information for identifying the banking financial products purchased by the customer; When,
Reading the stored coupon data based on the customer data contained in the banking financial product data;
Determining the adequacy of customer funds for purchasing the banking financial product on the condition that the coupon data can be read and the read coupon is valid;
On the condition that it is determined that the customer funds are appropriate, the data for the banking financial product in accordance with the first preferential condition is generated, wherein the first preferential condition is the A condition that is more favorable than the conditions that apply when a financial instrument of the same type as a bank-handled financial instrument is purchased.   A program for causing a computer to execute the method according to claim 13.

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