JP2022011298A - Matching system between independent financial advisors and customers - Google Patents

Abstract

[Problem] To provide a financial counselor and customer matching system that can present the information required by the customer to gain trust and confidence in order to solicit potential customers and turn them into customers. [Solution] A financial counselor and customer matching system in which a server means 10 connected to a network N has at least one database means among a seminar database means 20 that stores multiple pieces of information on financial seminars held by IFAs acting as financial counselors, an IFA database means 30 that stores multiple IFAs, and a question database means 40 that stores multiple Q&As on financial information, and the server means 10 has a search means 60 that infers information required by the customer based on customer information input by the customer, and searches the database means for recommended information matching the information inferred to be required by the customer, and presents the information. [Selected drawing] Figure 1

Description

The present invention relates to a financial counselor and a customer matching system that presents necessary financial information to potential customers and smoothly connects them to the financial counselor.

Conventionally, various trading systems for financial products such as stocks, foreign currencies, and insurance have been proposed (see, for example, Patent Document 1). By using such a system, customers could make transactions in an easy-to-understand and smooth manner.

There were also financial counselors who explained financial products to customers and recommended financial products that they thought were necessary.

Japanese Unexamined Patent Publication No. 2018-036850

However, it is often difficult for people who are not originally customers (potential customers) to be trusted and trusted to become customers, and there is a need for a system that understands the needs of potential customers and smoothly solicits them. rice field.

In addition, customers (potential customers) often do not know how to reach a reliable financial counselor, and there is no choice but to find a financial counselor by fumbling and consult with them. ..

Therefore, the subject of the present invention is to present the information required by the customer, find a financial counselor who is familiar with the information required by the customer, introduce the financial counselor required by the customer, and provide the financial counselor. It is to provide a financial counselor and a customer matching system that can match customers who can demonstrate their skills so that they can consult with each other with trust and trust.

In order to solve such a problem, the invention of claim 1 is a seminar database means for storing a plurality of financial seminar information held by a financial counselor and a financial counselor database means for storing a plurality of financial counselors on a server connected to a network. , It has at least one database means among the question database means that stores a plurality of Q & A of financial information, and guesses the information necessary for the customer based on the customer information input from the customer to the server. However, it is characterized by having a financial counselor and a customer matching system having a search means for searching and presenting recommended information applicable to the information presumed to be necessary for the customer from the database means.

Further, in the invention of claim 2, in addition to the configuration of claim 1, the customer information is updated by adding information selected by the customer from the information presented by the search means. The next time, when the recommended information is presented to the customer, the financial counselor and the customer matching system are designed to search and present the information based on the updated customer information. It is a feature.

Further, in the invention of claim 3, in addition to the configuration of claim 2, a seminar button for searching the seminar database means and a search for the financial counselor database means are displayed on the screen displayed to the customer. It has a financial counselor button to perform and a Q & A button to search the question database means, and in addition to the information presented by the search means, the customer information is added with the information searched by the customer himself / herself. It is characterized by having a customer matching system with financial counselors who are now updating.

Further, in the invention of claim 4, in addition to the configuration according to claim 2 or 3, the financial counselor who is presumed to be necessary for the customer is selected based on the updated latest customer information. It is characterized by having a financial counselor and a customer matching system that introduces the customer and sends the latest updated customer information to the selected counselor.

According to the invention of claim 1, based on the customer information input from the customer, the information required by the customer is estimated and presented from the database of the seminar, Q & A, financial counselor, etc. Therefore, the customer can present the necessary information without stress and increase the reliability of the system. This makes it possible to smoothly guide customers to financial counselors with a certain degree of trust. As a result, the financial counselor can easily deal with the customer and gain the trust of the customer.

According to the invention of claim 2, every time the customer acts on the system, the customer information is updated by adding the content, so that the following information is always presented based on the latest information of the customer. As a result, it is possible to obtain higher trust and trust from customers.

According to the invention of claim 3, the customer can search and obtain the information by himself / herself, and the behavior is updated in addition to the customer information, so that more reliable information of the customer can be obtained. , You can get even higher trust and trust from customers.

According to the invention of claim 4, since the financial counselor is introduced to the customer based on the latest customer information updated based on the behavior of the customer, the financial counselor who is more suitable for the customer can be selected. I can introduce you. In addition, since the latest information of the customer is sent to the introduced financial counselor, the financial counselor can handle the customer after grasping the latest information of the customer, and the financial counselor can handle the customer. We can provide more detailed support that meets the needs of our customers. As a result, the trust and trust of the financial counselor from the customer's point of view can be enhanced.

It is a block diagram schematically showing the overall configuration of the financial counselor and the customer matching system according to the embodiment of the present invention. It is a block diagram which shows the schematic flow of the financial counselor and the customer matching system which concerns on the embodiment. It is a figure which shows the example of the top screen which is displayed on the customer terminal by the financial counselor and the customer matching system which concerns on the embodiment. It is a figure which shows the example of the seminar search screen which is displayed on the customer terminal by the financial counselor and the customer matching system which concerns on the embodiment. It is a figure which shows the example of the bulletin board screen which is displayed on the customer terminal by the financial counselor and the customer matching system which concerns on the embodiment. It is a figure which shows the example of the IFA search screen which is displayed on the customer terminal by the financial counselor and the customer matching system which concerns on the embodiment. It is a figure which shows the example of the profile registration screen which is displayed on the IFA terminal by the financial counselor and the customer matching system which concerns on the embodiment. It is a figure which shows the example of the customer analysis screen which is displayed on the IFA terminal by the financial counselor and the customer matching system which concerns on the embodiment.

Embodiments of the present invention will be described with reference to FIGS. 1 to 8.

The financial counselor and customer matching system according to the present invention includes a server means 10, a seminar database means 20, an IFA database means 30, a question database means 40, a customer information storage means 50, a search means 60, and a transmission / reception means 70. This server 10 is connected to and used by an IFA terminal 100 handled by a financial counselor (hereinafter referred to as IFA), a customer terminal 200 handled by a customer, and the like via a network such as the Internet N. It has become. Hereinafter, the system will be described in detail.

FIG. 1 shows a schematic block diagram showing an overall configuration of a financial counselor and a customer matching system according to the present invention.

The financial counselor and customer matching system of the present embodiment is constructed in the server means 10, which is connected to another terminal via the Internet N. The terminals to be connected include an IFA terminal 100 used by IFA and a customer terminal 200 used by a customer, and a plurality of terminals are connected at the same time. Further, the IFA terminal 100 also has an administrator terminal 300, and the administrator terminal 300 is given the authority to manage a plurality of IFAs.

Further, the server means 10 includes a seminar database means 20, an IFA database means 30, a question database means 40, a customer information storage means 50, a search means 60, and a transmission / reception means 70.

Of these, the seminar database means 20 registers various seminars held by each IFA, and various seminars including past seminar videos and future seminar information are registered. For example, for past seminars, the seminar video can be viewed by clicking the information, and for future seminars, the seminar information can be viewed by clicking the information, and the application form is launched.

Further, the question database means 40 posts Q & A exchanged in the past, and the Q & A can be searched by a keyword. In addition, a bulletin board is constructed in which customers themselves post questions and wait for answers from IFA. In addition, questions that are currently being asked by other customers are posted on the bulletin board.

Further, in the IFA database means 30, a plurality of IFAs are registered, and the name, specialized field, activity area, etc. of the registered IFA can be described and a search can be performed based on them. ing.

Further, the customer information storage means 50 stores the input information entered by the customer on the site or the application corresponding to each individual. Further, the customer information storage means 50 monitors the behavior of each customer in the site or application, and stores which information the customer has viewed and which keyword has been used for the search, and stores the information. Information is constantly being acquired and updated.

Further, the search means 60 estimates information necessary for the customer based on the customer information input from the customer, and is required by the customer from each of the database means of the seminar database means 20, the IFA database means 30, and the question database means 40. It is designed to search for and present recommended information that applies to the inferred information. Here, first, when a customer enters the site, installs the app and launches it for the first time, for example, name, gender, age, address, contacts, family structure, income, assets, hobbies, interests. Ask initial setting questions to ask for certain financial information, financial knowledge, etc., and store the contents in the customer information storage means 50. Based on this, the search means 60 uses past history data and AI analysis results. Information that is presumed to be necessary by the customer is picked up from statistical data and the like, and the recommended list 211 is displayed on the top screen 210 of the customer terminal 200.

Further, the transmission / reception means 70 enters between the Internet N and each database in the server 10 to distribute information, etc., and is connected to the Internet N, and also has a seminar database means 20, an IFA database means 30, and a question database. It is configured to connect to the means 40, the advisor information storage means 50, and the search means 60. Then, the information (signal) from the Internet N is received, distributed to the necessary means 30 to 60 in the server, and the information from each means 30 to 60 in the server 10 is sent to the Internet N.

For example, if you enter a specific word in Q & A, we recommend a seminar that deals with the content related to that word, and if you are older than a certain age, we recommend a seminar on the situation according to the age, and the income is a certain amount. In the above cases, the conditions are set so that the seminars that are presumed to be interested according to the situation of each customer are recommended, such as recommending the asset management seminar according to it.

In addition, if AI can identify the necessary seminars according to conditions such as income, hobbies, assets, age, etc. based on a specific algorithm, etc., a display that recommends the necessary seminars to the customer concerned is displayed. Try to do it.

Even in Q & A and IFA search, items that are considered necessary based on statistical data and AI judgment are picked up and displayed.

The customer information is always updated by adding the information selected by the customer from the information presented by the search means 60. Furthermore, for example, when a questionnaire is taken after a seminar, the information described in the questionnaire is also taken in. In addition, when looking at the Q & A, information such as which Q & A was seen and which Q & A page was stayed for a long time is also taken in. In addition, when an IFA search is performed, the keyword used for the search is memorized.

Then, the next time the recommendation information is presented to the customer, the information is searched and the recommendation information is presented based on the updated customer information.

As shown in FIG. 3, on the top screen 211 of the display screen 210 displayed on the customer terminal 200, in addition to the recommended list 212 that lists the recommended information as described above, the customer has his own seminar database. It has a seminar button 213 for searching the means 20 and a financial counselor button 215 for the customer to independently search the financial counselor database means 30, and in addition to the information presented by the search means 60, The customer information is updated by adding the information searched by the customer himself.

In addition, when an IFA that is presumed to be necessary for a customer is selected and introduced to the customer based on the latest customer information that is updated from time to time, the latest customer information that is updated is sent to the selected IFA. It has become. As a result, the IFA can grasp the behavior, trends, and tastes of the customer, and based on this, it is possible to chat with the customer and conduct an individual interview. As a result, it is possible to easily grasp the customer's intention and bring it so that the customer's trust can be obtained quickly.

Further, as shown in FIG. 8, the customer analysis 150 by AI can be displayed on the display screen 110 displayed on the IFA terminal 100, and the customer information 160 of the customer who has been directly involved there. Is displayed. Further, the current number of customers (My customers) 161 is displayed in the display. In addition, various user numbers 162 such as the number of users of the bulletin board that the IFA responded to, the number of users who participated in the seminar hosted by the IFA, and the number of users who sent the message by the IFA are displayed. .. In addition, 163 such as the male-female ratio of the number of these users, the age composition, and the ratio of the amount of income are displayed.

In addition, information 170 of a customer (potential customer) determined by AI to be a customer is also displayed. Here, the number of users (potential customers) 171 determined by AI to be interested in the field of specialty of the IFA is displayed, and the breakdown of the interest and the number of people 172 are displayed. Further, the IFA database means 30 of the IFA displays the number of people who browsed the profile of the IFA 173, the transition of the number of browses by date 174, and the like.

Next, the operation of the financial counselor and the customer matching system of this embodiment will be described.

FIG. 2 shows a schematic flow of the financial counselor and the customer matching system according to the present embodiment, and FIGS. 3 to 6 show an example of screen display on the customer terminal 200 of the financial counselor and the customer matching system. Is shown. Further, FIG. 7 shows an example of displaying a profile registration screen on the IFA terminal 100 of the financial counselor and the customer matching system.

First, when the system and a specific IFA affiliated company make a contract, the information of the company is input and the management terminal 300 is set (details are omitted). After that, each IFA registers a profile from each IFA terminal 100. Here, FIG. 7 shows the display screen 110 at that time. As shown in FIG. 7, on the profile registration screen 111, IFA image 112, name 113, affiliated company 114, work location 115, occupation type 116 such as IFA and FP, specialty field 117, possession qualification 118, and other customers. Fill in message 119 and press the registration button 120 to complete the registration. As a result, the profile of the IFA is registered in the IFA database means 30 and used for various searches.

In that state, the system issues an instruction to hit various advertisements as shown in step S1 of FIG. Then, a potential customer (a customer who is expected to become a customer in the future) who sees the advertisement or the like connects to the financial counselor and the site of the customer matching system, or installs the application. Therefore, as shown in step S2, when connecting to the site and installing the application, the customer is urged to fill in questions such as name, age, gender, income, occupation, hobbies, assets, and input customer information. When the input is completed, as shown in step S3, the search means 60 analyzes the input information, and based on the input information, the seminar database means 20, the question database means 30, and the IFA database means 40 are considered necessary for the customer. Information is picked up and displayed as a recommended list 212 on the top screen 211 of the display screen 210 of the customer terminal 200 as shown in FIG. 3 (step S4). In addition to the recommended list 212, the top screen 211 has a seminar search button 213 that customers can search independently, a Q & A search button 214 that customers can search independently, and an IFA search button 215 that customers can search independently. Have.

Next, when a customer finds a seminar, Q & A, or IFA that the customer thinks is necessary from the recommended list 212, click the list to jump to the explanation page, etc., and attend the seminar (step S5) or Q & A. (Step S8), or apply for chat, video conference, face-to-face interview, etc. with IFA (step S11).

When the customer presses the seminar search button 213, the seminar search screen 216 as shown in FIG. 4 is displayed, and a necessary seminar is selected from the screens (step S5). After that, attend the seminar (step S6), and if necessary, fill out the questionnaire after attending (step S7).

Further, when the customer presses the Q & A search button 214, the question search screen 217 as shown in FIG. 5 is displayed, and the frequently asked questions are read or the questions are searched (step S8).

For customers who want to talk to IFA directly by pressing the IFA search button 215, the IFA search screen 218 as shown in FIG. 6 is displayed, and the IFA is searched (step S9). The IFA to be used is searched, and as a result, the IFA is selected based on the screen 219, and the IFA information screen 220 is displayed (step S10). At this time, the information of the customer is displayed on the IFA terminal 100 of the selected IFA, so that subsequent exchanges can be smoothly performed.

After that, the customer information storage means 50 updates the customer information by adding the customer's behavior, and the search means 60 displays new recommended information on the top screen 211 based on the updated information.

After that, when a customer searches by Q & A with a keyword of interest, searches for a seminar, or performs an IFA search, a keyword synonymous with the content registered by the IFA is included, or many of the keywords are used. If you hold a seminar that you have, you will be placed at the top of the IFA recommendation list for customers, and it is structured so that it is easy for interested customers to nominate.

It is also possible to search customer information from the IFA, find potential customers that match the IFA's specialty field and work area, and take an approach. In that case, based on the result of the customer analysis 150 as shown in FIG. 8, the customer included in the customer analysis 150 is approached. In addition, the AI matches the IFA with the customer based on the job type, place of work, specialty, qualifications, message, etc. of the IFA, the profile of the potential customer, the theme of interest, and the free word entered as a matter of consultation. You may find out and make a suggestion.

When matching an IFA with a customer, the IFA's work location, occupation, specialty field, qualifications, message keywords, etc., as well as the customer's age, gender, place of residence, occupation, family structure, annual income, and asset status AI analyzes basic information such as seminar attendance history, question history, search history, etc., and is introduced to customers in order from IFA, which has more matching items. It has become like. In addition, IFAs are also given priority in introducing customers who have more matching items.

At this time, for customers who participated in a seminar held by a specific IFA and had a good response (questionnaire results were good, etc.), we recommend the next seminar held by the same IFA to the IFA. It is good to increase the credibility and trust of. Similarly, regarding Q & A, if the IFA in charge of the seminar that you attended displays the Q & A that you are receiving and answering to increase the chances of touching the same IFA, you will increase the trust and trust in the IFA. Can be done. By repeating this process, the customer will be fully informed about the IFA and financial information, and then introduce the IFA (basically, the customer will have the opportunity to come in contact with many seminars, etc. and trust). (Introducing IFA that will be trusted) We will make it easier to have interviews with IFA.

As described above, according to the financial counselor and customer matching system of the present embodiment, the customer needs from the database of seminars, Q & A, financial counselors, etc. based on the customer information input from the customer. Since the information is guessed and presented, the customer can present the information he / she needs without stress and increase the reliability of the system. This makes it possible to smoothly guide customers to IFAs (financial counselors) with a certain degree of trust. As a result, IFA can easily deal with customers and gain the trust of customers.

Further, in the present embodiment, every time the customer acts on the system, the customer information is updated by adding the content, so that the next information is always presented based on the latest information of the customer. As a result, it is possible to obtain higher trust and trust from customers.

Further, in the present embodiment, the customer can search and obtain information by himself / herself, and since the behavior is updated in addition to the customer information, more reliable information of the customer can be obtained. You can get even higher trust and trust from customers.

Further, in the present embodiment, since the IFA is introduced to the customer based on the latest customer information updated based on the behavior of the customer, it is possible to introduce the IFA that is more suitable for the customer. .. In addition, since the latest information of the customer is sent to the introduced IFA, the IFA can respond to the customer after grasping the latest information of the customer, and the IFA is in line with the customer's needs. , Can provide more detailed support. As a result, the credibility and trust of IFA from the customer's point of view can be enhanced.

It should be noted that the embodiments described above are described for facilitating the understanding of the present invention, and do not limit the present invention.

For example, the above-mentioned network N is not limited to the Internet, and may be connected via various networks such as LAN depending on the installation status of the system.

Further, the IFA terminal 100 and the customer terminal 200 described above correspond to information terminals such as personal computers, smartphones, and tablets, and may be available on appropriate terminals.

Further, the server means 10 described above is composed of one server, but the present invention is not limited to this, and the server means 10 has a configuration having two or more servers, and these are connected and used. It may be like that.

10 Server means 20 Seminar database means 30 IFA database means 40 Question database means 50 Customer information storage means 60 Search means 70 Transmission / reception means 100 IFA terminal 110 Display screen 111 Profile registration screen 112 Image input field 113 Name entry field 114 Affiliation company entry field 115 Work location entry field 116 Job type entry field 117 Specialty field entry field 118 Possession qualification entry field 119 Message entry field 120 Registration button 150 Customer analysis display screen 160 Customer information display screen 161 Customer number display field 162 Various user number display screen 163 Composition ratio display Screen 170 Lead generation display screen 171 Lead generation number display field 172 Breakdown display screen 173 Profile viewer number display field 174 Viewer number transition graph 200 Customer terminal 210 Display screen 211 Top screen 212 Recommended list 213 Seminar search button 214 Q & A search Button 215 IFA search button 216 Seminar search screen 217 Question search screen 218 IFA search screen 219 Result screen 220 IFA information screen 300 Administrator terminal N network

Claims (4)

Of the seminar database means that stores multiple financial seminar information held by financial counselors, the financial counselor database means that stores multiple financial counselors, and the question database means that stores multiple financial information Q & A on a server connected to the network. Has at least one database means and
In addition, the information required for the customer is inferred to the server based on the customer information input from the customer, and the recommended information applicable to the information estimated to be necessary for the customer is searched and presented from the database means. A financial counselor and customer matching system characterized by having a search means. The customer information is updated by adding information selected by the customer from the information presented by the search means.
The financial counselor according to claim 1, wherein when the recommended information is presented to the customer next time, the information is searched and presented based on the updated customer information. And customer matching system. On the screen displayed to the customer, a seminar button for searching the seminar database means, a financial counselor button for searching the financial counselor database means, and a Q & A button for searching the question database means are displayed. Have and
The financial counselor and customer matching according to claim 2, wherein the customer information is updated by adding the information searched by the customer himself / herself in addition to the information presented by the search means. system. Based on the updated latest customer information, the financial counselor who is presumed to be necessary for the customer is selected and introduced to the customer, and the latest customer information updated to the selected counselor is introduced. The financial counselor and customer matching system according to claim 2 or 3, characterized in that it is to be sent.

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