Donation assistance system

Abstract

To provide a technique for implementing a mechanism in which a donator can flexibly set a mode of donation.SOLUTION: A donation assistance system 20 receives, from a customer of a financial institution, a designation on an organization as a donation recipient and a designation of a brand of a financial product owned by the customer as funds for the donation. When dividends of brand designated by the customer are paid, the donation assistance system 20 executes processing to donate at least part of the dividends to the recipient organization designated by the customer.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present disclosure relates to data processing technology, and more particularly to a donation support system. [Background technology]

[0002] The following Patent Document 1 proposes a specific fund designated allocation system in which an investment trust for donations is set up in advance, customers who wish to make donations purchase the investment trust, and the investment gains from the investment trust are donated to a specific donation recipient. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2009-48241 A Summary of the Invention [Problem to be solved by the invention]

[0004] In order to promote donations, it is desirable for donors to be able to set donation modes more flexibly. One objective of the technology disclosed herein is to provide a technology that realizes a mechanism that allows donors to flexibly set donation modes. [Means for solving the problem]

[0005] In order to solve the above problems, a donation support system according to one aspect of the present disclosure includes a reception unit that receives from a financial institution's customers specifications regarding the organization to which the donation should be made and the name of a financial product held by the customer that will serve as the source of the donation, and a donation processing unit that, when a dividend or the like is generated from the designated product, executes processing to donate at least a portion of the dividend or the like to the designated organization to which the donation should be made.

[0006] Another aspect of the present disclosure is also a donation support system, which includes a reception unit that receives, from a customer of a financial institution, a designation of a donation recipient organization and a designation of the customer's account from which the donation will be withdrawn, and a donation processing unit that executes a process to donate at least a portion of the dividends, etc., from a financial product held by the customer to the designated donation recipient organization when the dividends, etc., from the financial product held by the customer are deposited in the account.

[0007] Any combination of the above components, and conversion of the present disclosure into an apparatus, a method, a computer program, a recording medium storing a computer program, and the like, are also valid aspects of the present disclosure. Effect of the Invention

[0008] According to the technology disclosed herein, a mechanism can be realized that allows donors to flexibly set the manner of their donations. [Brief description of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram illustrating a configuration of an information processing system according to a first embodiment. [Diagram 2] 1 is a block diagram showing functional blocks of a donation support system according to a first embodiment. [Diagram 3] FIG. 13 is a diagram showing a configuration of donation attribute information. [Figure 4] FIG. 13 is a diagram showing the configuration of donation consenter information. [Diagram 5] FIG. 13 is a diagram showing the structure of donation details. [Figure 6] 4 is a flowchart showing the operation of the donation support system according to the first embodiment. [Figure 7] FIG. 13 is a diagram showing an example of a donation statement. [Figure 8] FIG. 13 is a diagram showing an example of a receipt. [Figure 9] FIG. 13 is a diagram showing a configuration of donation attribute information in a modified example. [Figure 10] FIG. 11 is a diagram illustrating a configuration of an information processing system according to a second embodiment. [Figure 11]FIG. 11 is a block diagram showing functional blocks of a donation support system according to a second embodiment. [Figure 12] 13 is a flowchart showing the operation of the donation support system according to the second embodiment. [Figure 13] FIG. 13 is a diagram showing an example of a donation statement. [Figure 14] FIG. 13 is a diagram showing an example of a receipt. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] First Embodiment 1 shows the configuration of an information processing system 10 according to the first embodiment. The information processing system 10 includes a plurality of customer terminals 12, a plurality of securities company devices 14, a securities back-office system 16, and a donation PF (platform) 18. The computers that constitute each of these devices and systems are connected to each other via a communication network including a LAN, a WAN, the Internet, and the like.

[0011] The securities company devices 14 are information processing devices that support the business of the securities companies. The securities company devices 14 include a securities company device 14a of a securities company X, a securities company device 14b of a securities company Y, and a securities company device 14c of a securities company Z.

[0012] The multiple client terminals 12 are information processing devices operated by clients of at least one of the multiple securities companies. The multiple client terminals 12 include client terminal 12a, client terminal 12b, client terminal 12c, client terminal 12d, and client terminal 12e. For example, client terminal 12a is operated by client A who uses securities company X. Client terminal 12b is operated by client B who uses both securities company X and securities company Y. Client terminal 12c is operated by client C who uses both securities company X and securities company Z. Hereinafter, when simply referred to as "client", it means a client of a securities company.

[0013] The securities back-office system 16 is an information processing system that provides information processing services to support securities affairs for multiple securities companies. For example, the securities back-office system 16 supports orders and contracts for financial products, balance management, customer management, settlement operations, custody operations, accounting operations, etc. at each securities company. The securities back-office system 16 may be realized by one computer or by multiple computers working together.

[0014] The donation PF (platform) 18 is a platform system that executes common processing related to donations to various organizations (e.g., public interest foundations and general foundations). The donation PF 18 may be realized by one computer or by multiple computers working together.

[0015] In the first embodiment, the securities back-office system 16 and the donation PF 18 work together to realize a donation support system 20, which is an information processing system that supports donations to various organizations. The donation support system 20 donates at least a portion of dividends, etc., of financial products held by a customer to a public interest foundation, a general foundation, etc., based on the customer's designation. In the first embodiment, the financial products held by the customer include securities, such as stocks, investment trusts, and bonds. Dividends, etc. can also be considered as profits obtained by a customer by holding financial products. For example, dividends, etc. include dividends from stocks, distributions from investment trusts, and interest from bonds.

[0016] 2 is a block diagram showing the functional blocks of the donation support system 20 according to the first embodiment. FIG. 2 shows the functional blocks related to the donation support system 20 provided in each of the securities back-office system 16 and the donation PF 18.

[0017] Each block shown in the block diagrams in this specification can be realized in terms of hardware by computer processors, CPUs, memory and other elements, electronic circuits, and mechanical devices, and in terms of software by computer programs, etc., but here, functional blocks realized by the cooperation of these are depicted. Therefore, it will be understood by those skilled in the art that these functional blocks can be realized in various forms by combining hardware and software.

[0018] The securities back-office system 16 comprises a data processing unit 30 and a memory unit 32. The data processing unit 30 executes various types of data processing. The data processing unit 30 may be realized by a CPU of a computer constituting the securities back-office system 16. The memory unit 32 stores data referenced or updated by the data processing unit 30. The memory unit 32 may be realized by storage or memory of the computer constituting the securities back-office system 16.

[0019] The storage unit 32 includes a customer attribute storage unit 34, a donation attribute storage unit 36, a dividend storage unit 38, and a customer balance storage unit 40. The customer attribute storage unit 34 stores attribute information (customer attribute information) of each customer of the securities company. The customer attribute information includes customer identification information (such as a unique ID), name, address, telephone number, and date of birth.

[0020] The donation attribute storage unit 36 ​​stores attribute information (donation attribute information) regarding donations registered by each customer. Fig. 3 shows the configuration of the donation attribute information. The donation attribute information includes (1) customer identification information, (2) donation consent date (date on which the customer consented to making a donation), (3) personal information utilization consent date (date on which the customer consented to the utilization of personal information in making a donation), (4) designated donation destination, and (5) designated donation amount.

[0021] (4) The donation recipient designation is set to either category designation or discretionary designation. In category designation, one of a number of predetermined categories is selected by the customer. The category may indicate the purpose, character, or characteristics of the public interest foundation or general foundation to which the donation will be made. For example, the multiple categories may include at least one of support for people with disabilities, support for single-parent families, support for orphans, and environmental conservation. In discretionary designation, the decision on the donation recipient is left to the donation support system 20.

[0022] (5) The donation amount designation includes information on the names of financial products held by the client that are the source of the donation, and a designation of the donation percentage. The donation percentage designates the percentage of the dividends, etc. of the financial products to be donated, in other words, the percentage of the donation amount relative to the amount of the dividends, etc. For example, stock A may be designated as X% (X% of the dividends will be donated), and investment trust B may be designated as Y% (Y% of the distributions will be donated).

[0023] Returning to FIG. 2, the dividend memory unit 38 stores information on dividends and the like provided to the customer (dividend information, etc.). The dividend information, etc. includes customer identification information, stock identification information, and the amount of dividends, etc. The customer balance memory unit 40 stores information (balance information) indicating the balance of an account (securities account) opened by the customer at a securities company. The balance information includes customer identification information, account number, deposit amount, withdrawal amount, and balance.

[0024] Data processing unit 30 includes a consent information receiving unit 42, a consent information linking unit 44, a donation attribute receiving unit 46, a donation destination information linking unit 48, a dividend recording unit 50, a customer balance updating unit 52, and a donation linking unit 54. The functions of these multiple functional blocks may be implemented in a computer program, and this computer program may be installed in the storage of a computer constituting securities back-office system 16. The CPU of the computer constituting securities back-office system 16 may fulfill the functions of the above multiple functional blocks by reading this computer program into main memory and executing it.

[0025] The consent information receiving unit 42 receives consent information regarding donations from customers of the financial institution. Specifically, the consent information receiving unit 42 receives consent information transmitted from the customer terminal 12 to the securities company device 14 and forwarded by the securities company device 14. The consent information includes information indicating consent to the donation and information indicating consent to the use of personal information. Specifically, the consent information includes the customer's identification information, the date of consent to the donation, the date of consent to the use of personal information, and the securities company that gave consent. The consent information receiving unit 42 stores the customer's identification information, the date of consent to the donation, the date of consent to the use of personal information, and the securities company that gave consent, which are indicated in the consent information, in the donation attribute memory unit 36.

[0026] The consent information linking unit 44 transmits the consent information accepted by the consent information accepting unit 42 and the customer attribute information indicated by the consent information stored in the customer attribute storage unit 34 to the donation PF 18.

[0027] The donation attribute receiving unit 46 receives attribute information related to donations (donation attribute information) from customers of the financial institution. Specifically, the donation attribute receiving unit 46 receives donation attribute information transmitted from the customer terminal 12 to the securities company device 14 and transferred by the securities company device 14. The donation attribute information includes information specifying the manner of donation. Specifically, the donation attribute information includes the customer's identification information, the donating securities company, the donation destination designation, and the donation amount designation. The donation attribute receiving unit 46 stores the donation destination designation and donation amount designation indicated by the donation attribute information in the donation attribute information stored in the donation attribute memory unit 36 ​​and specified by the customer's identification information.

[0028] The donation destination information linking unit 48 transmits the donation destination designation of the donation attribute information accepted by the donation attribute accepting unit 46 to the donation PF 18 .

[0029] The dividend recording unit 50 acquires information on newly generated dividends, etc. (including dividends, distributions, and interest) notified from an external system such as the Securities Depository Center (SDC). The information on dividends, etc. includes at least the customer's identification information, stock information, and dividend amount. The dividend recording unit 50 reflects the newly generated dividends, etc. information in the dividends, etc. information for each customer stored in the dividend storage unit 38, and adds, for example, a new record including the amount of the newly generated dividends, etc.

[0030] The customer balance updating unit 52 updates the balance information of each customer stored in the customer balance storage unit 40 based on information on newly generated dividends, etc. For example, the customer balance updating unit 52 records the amount of newly generated dividends, etc. as the deposit amount, and increases the balance by the amount of the dividends, etc.

[0031] The donation linking unit 54 transmits donation information based on dividends, etc. of the stocks (hereinafter also referred to as "target stocks") specified in the donation amount specification in the donation attribute memory unit 36 ​​to the donation PF 18. The target stocks can also be said to be stocks that are the source of donations. Specifically, the donation linking unit 54 calculates the donation amount by multiplying the amount of dividends, etc. of the target stocks by the donation rate indicated in the donation amount specification. The donation linking unit 54 transmits donation information including the identification information of the customer who made the donation, the target stocks, and the donation amount to the donation PF 18.

[0032] The donation PF18 includes a data processing unit 60 and a memory unit 62. The data processing unit 60 executes various data processing operations. The data processing unit 60 may be realized by the CPU of a computer constituting the donation PF18. The memory unit 62 stores data referenced or updated by the data processing unit 60. The memory unit 62 may be realized by storage or memory of the computer constituting the donation PF18.

[0033] The storage unit 62 includes a donation destination master storage unit 64, a donation consenter information storage unit 66, and a donation history storage unit 68. The donation destination master storage unit 64 stores the donation destination master. The donation destination master is information that associates a donation destination category with a specific organization that is the donation destination. For example, the category "support for the disabled" is associated with organizations that carry out activities to support the disabled.

[0034] The donation consenter information storage unit 66 stores the donation consenter information based on the customer attribute information, consent information, and donation recipient designation sent from the securities back-office system 16. Figure 4 shows the configuration of the donation consenter information. The donation consenter information includes (1) the customer's identification information, name, address, telephone number, date of birth, (2) date of consent to donation, (3) date of consent to the use of personal information, (4) the securities company that gave consent, and (5) the donation recipient designation. (4) The securities company that gave consent is the identification information of the securities company used by the customer who agreed to make a donation.

[0035] The donation history storage unit 68 stores donation details that indicate the history (in other words, performance) of donations to public interest foundations, general foundations, etc. Fig. 5 shows the configuration of the donation details. The donation details include (1) customer identification information, (2) the name of the donating securities company, (3) the name of the recipient organization, (4) the donation amount, and (5) the name of the financial product (target product) that was the source of the donation.

[0036] Data processing unit 60 includes a donation consenter information receiving unit 70, a donation destination information receiving unit 72, a donation destination determination unit 74, a donation processing unit 76, a donation history update unit 78, a receipt generation unit 80, a receipt provision unit 82, and a donation record notification unit 84. The functions of these multiple functional blocks may be implemented in a computer program, and this computer program may be installed in the storage of a computer constituting donation PF 18. The CPU of the computer constituting donation PF 18 may fulfill the functions of the above multiple functional blocks by reading this computer program into main memory and executing it.

[0037] The donation consenter information receiving unit 70 receives the customer attribute information and consent information transmitted from the securities back-office system 16. The donation consenter information receiving unit 70 stores in the donation consenter information storage unit 66 the donation consenter information, including (1) the customer's identification information, name, address, telephone number, and date of birth, (2) the date of consent to donation, (3) the date of consent to the use of personal information, and (4) the securities company that provided consent.

[0038] Donation destination information receiving unit 72 receives donation destination designations transmitted from securities back-office system 16. Donation destination information receiving unit 72 stores the received donation destination designations in the donation consenter information storage unit 66.

[0039] The donation destination determination unit 74 determines an organization to which the donation will be made based on the donation destination master in the donation destination master storage unit 64 and the donation destination designation by the customer. For example, when a specific category is designated in the donation destination designation, the donation destination determination unit 74 determines an organization associated with that category in the donation destination master as the organization to which the donation will be made.

[0040] Here, when multiple organizations are associated with the category specified in the donation destination designation, the donation destination determination unit 74 may determine the organization to which the donation is to be made from among the multiple organizations based on a rule base. For example, the donation destination determination unit 74 may derive the amount of donations made up to that point to each of the multiple organizations corresponding to the specified category based on the donation history in the donation history storage unit 68. The donation destination determination unit 74 may determine the organization to which the amount of donations made up to that point is relatively small as the organization to which the donation is to be made. This allows the donation amounts to be smoothed out for the multiple organizations. As a modified example, when multiple organizations are associated with the category specified in the donation destination designation, the donation destination determination unit 74 may determine any of the multiple organizations as the organization to which the donation is to be made.

[0041] When the donation destination is designated as an entrusted organization, the donation destination determination unit 74 may determine the organization to which the donation is to be made from among a plurality of organizations on a rule-based basis. For example, the donation destination determination unit 74 may derive the amount of donations made to each of the plurality of organizations based on the donation history in the donation history storage unit 68. The donation destination determination unit 74 may determine the organization to which the donation amount has been relatively small.

[0042] When a dividend or the like is generated for a stock (target stock) that is the source of the donation specified by a customer, the donation processing unit 76 executes processing (donation processing) to donate at least a portion of the dividend or the like to a donation recipient organization based on the customer's designation. As described above, the donation recipient organization can be designated by category. When a category of the donation recipient organization is designated, the donation processing unit 76 donates at least a portion of the dividend or the like to one or more organizations belonging to the designated category.

[0043] In the first embodiment, the donation processing unit 76 executes donation processing upon receiving donation information transmitted from the securities back-office system 16 due to the occurrence of dividends or the like of the target stock. The donation processing unit 76 may execute processing to transfer the donation amount indicated in the donation information to the bank account of the donation recipient organization determined by the donation recipient determination unit 74. In addition, when multiple organizations are determined as donation recipient organizations by the donation recipient determination unit 74, the donation processing unit 76 may apportion the donation amount indicated in the donation information and transfer the same donation amount to the multiple organizations.

[0044] When the donation processing unit 76 executes a donation process, the donation history update unit 78 stores the details of the donation in the donation history storage unit 68.

[0045] The receipt generating unit 80 generates a receipt addressed to the customer, including the name of the organization to which the donation is made and the donation amount. The receipt generating unit 80 generates a receipt that aggregates information on multiple donation details related to the same customer among the multiple donation details stored in the donation history storage unit 68. The receipt providing unit 82 transmits the receipt data generated by the receipt generating unit 80 to the customer terminal 12.

[0046] The donation record notification unit 84 provides information on the donation record of individuals (clients) who purchased the stock to the entities related to the stock that was the source of the donation. The entities related to the stock that was the source of the donation include the business company that issued the stock, the investment trust management company, and the issuer of the bond.

[0047] Note that the functional blocks included in the securities back-office system 16 and the donation PF 18 shown in FIG. 2 are merely examples. As a modified example, some of the functional blocks included in the securities back-office system 16 may be configured to be included in the donation PF 18. Also, some of the functional blocks included in the donation PF 18 may be configured to be included in the securities back-office system 16. Also, one functional block shown in FIG. 2 may be divided into the securities back-office system 16 and the donation PF 18, and one functional block may be realized as a whole. Furthermore, the securities back-office system 16 may be equipped with all of the functional blocks included in the donation PF 18, that is, the donation support system 20 may be realized by a single device or system (e.g., the securities back-office system 16).

[0048] The operation of the donation support system 20 of the first embodiment will be described. Fig. 6 is a flowchart showing the operation of the donation support system 20 of the first embodiment, specifically, the operation of the securities back-office system 16 and the donation PF 18 of the first embodiment.

[0049] The customer inputs an operation indicating consent to the donation and the use of personal information into customer terminal 12. In response to this operation by the customer, customer terminal 12 transmits consent information regarding the donation (consent to the donation and consent to the use of personal information) to securities company device 14. Securities company device 14 accepts the consent information regarding the donation transmitted from customer terminal 12, and transfers the consent information to securities back-office system 16.

[0050] The consent information receiving unit 42 of the securities back-office system 16 receives consent information regarding donations sent from the securities company device 14, and stores donation attributes based on the consent information (here, the donation consent date and the consent date to personal information use) in the donation attribute storage unit 36 ​​(S10). The consent information linking unit 44 of the securities back-office system 16 sends the customer attributes and consent information to the donation PF 18 (S11). The donation consenter information receiving unit 70 of the donation PF 18 receives the customer attributes and consent information sent from the securities back-office system 16, and stores the donation consenter information based on the customer attributes and consent information in the donation consenter information storage unit 66 (S12).

[0051] The customer selects a category to which the donation will be made from a number of predetermined categories, and also inputs the target stock that will be the source of the donation, the donation rate, etc., into customer terminal 12. In response to the customer's operation, customer terminal 12 transmits donation attribute information specifying the donation category, target stock, donation rate, etc. to securities company device 14. Securities company device 14 accepts the donation attribute information transmitted from customer terminal 12, and transfers the donation attribute information to securities back-office system 16.

[0052] The donation attribute receiving unit 46 of the securities back-office system 16 receives the donation attribute information transmitted from the securities company device 14, and stores the donation attribute information in the donation attribute memory unit 36 ​​(S13). The donation destination information linking unit 48 of the securities back-office system 16 transmits the donation destination designation in the donation attribute information to the donation PF 18 (S14). The donation destination information receiving unit 72 of the donation PF 18 receives the donation destination designation, and stores the donation destination designation in the donation consenter information stored in S12 (S15).

[0053] The JASDEC system transmits information on newly generated stock dividends to the securities back-office system 16. The investment trust management company system transmits information on newly generated investment trust distributions to the securities back-office system 16. The bond issuer's system transmits information on newly generated bond interest to the securities back-office system 16.

[0054] The dividend recording unit 50 of the securities back-office system 16 acquires information on newly generated dividends, etc., sent from an external system such as a security depository. The dividend recording unit 50 stores the new dividend information, including the amount of the newly generated dividends, etc., in the dividend storage unit 38 (S16). The customer balance updating unit 52 of the securities back-office system 16 updates the balance information of each customer stored in the customer balance storage unit 40 based on the information on the newly generated dividends, etc. (S17).

[0055] In the donation support system 20, donation-related processing is executed for each customer who has agreed to donate and registered donation attribute information. Hereinafter, the specific customer who is the subject of processing is referred to as a "specific customer." When information on newly generated dividends, etc., relating to a specific customer is stored in the dividend storage unit 38, the donation linking unit 54 of the securities back-office system 16 calculates the donation amount of the specific customer based on the amount of the newly generated dividends, etc., and the brand and donation rate specified in the donation attribute information.

[0056] An example of donation calculation for a specific customer is shown below. Here, the specific customer holds stock A and investment trust B, with the dividend from stock A being 1,000 yen and the distribution from stock B being 2,000 yen. Furthermore, stock B is designated as the stock eligible for donation, and the donation ratio is designated as 10%. In this case, the donation linking unit 54 calculates the donation amount for the specific customer to be 200 yen (2,000 yen distribution from stock B x 10% donation ratio = 200 yen).

[0057] The donation linking unit 54 transmits donation information including the identification information of the specific customer, the target brand, and the calculated donation amount to the donation PF 18 (S18). Upon receiving the donation information, the donation destination determination unit 74 of the donation PF 18 determines the organization to which the specific customer should make a donation based on the category previously designated by the specific customer indicated in the donation information (S19). The donation processing unit 76 of the donation PF 18 executes processing to transfer the donation amount indicated in the donation information to the donation destination organization determined by the donation destination determination unit 74 (S20).

[0058] The donation history update unit 78 of the donation PF 18 stores new donation details for the specific customer in the donation history storage unit 68 (S21). Figure 7 shows an example of donation details. The three donation details shown in Figure 7 include two donation details corresponding to two donations made by a specific customer, Yamada Taro, to the AA Foundation, and one donation detail corresponding to one donation made by Yamada Taro to the BB Foundation.

[0059] Returning to Figure 6, when the predetermined receipt creation timing arrives, the receipt generation unit 80 of the donation PF 18 generates receipt data that aggregates one or more donation details of a specific customer stored in the donation history storage unit 68. The receipt provision unit 82 of the donation PF 18 transmits the receipt data generated by the receipt generation unit 80 to the customer terminal 12 of the specific customer (S22).

[0060] FIG. 8 shows an example of a receipt. FIG. 8 shows a receipt based on three donation details for a specific customer, Yamada Taro, shown in FIG. 7. The receipt generation unit 80 may generate one receipt based on multiple donation details for one customer (a single receipt addressed to Yamada Taro in FIG. 8) by performing name matching using the customer's identification information. The customer identification information used for name matching may be an ID previously assigned to the customer, or may be a combination of the customer's name, address, and date of birth.

[0061] Returning to FIG. 6, the donation record notification unit 84 of the donation PF 18 transmits information (donation record information) on the donation record by individuals (customers) who purchased the stocks to the device (not shown) of each issuer of the multiple stocks that were the source of the donations. The donation record information may include the amount donated from the dividends of a certain stock (for example, the total amount of donations by multiple customers), or the donated ratio (for example, the ratio of the total amount of donations to the total amount of dividends). Alternatively, the donation record notification unit 84 may transmit information indicating each individual who purchased the stocks and donated the dividends of the stocks, and donation record information including the donation amount of each individual, to the device of the company that issued the stocks (as well as investment trusts and bonds). Providing the donation record information to the entity of each stock can help visualize the entity's contribution to society (ESG (environment, society, and governance)).

[0062] The donation PF 18 of the first embodiment can support donations to organizations (e.g., public interest foundations) designated by financial institution customers, using dividends and the like from financial products designated by the customers as the source of funds. Furthermore, the donation PF 18 of the first embodiment allows customers to designate any brand as the source of donation funds, realizing a flexible donation system. Furthermore, the donation PF 18 of the first embodiment allows donation destinations to be designated by category, making it easy to set donation destinations that match the customer's wishes. Furthermore, the donation PF 18 of the first embodiment can automatically issue receipts to provide customers with tax benefits from donations.

[0063] The present disclosure has been described above based on the first embodiment. The contents described in the first embodiment are merely examples, and it will be understood by those skilled in the art that various modifications are possible in the combination of the components and processing steps of the first embodiment, and that such modifications are also within the scope of the present disclosure.

[0064] A modified example of the first embodiment will be described. In the donation support system 20 of the first embodiment, a customer of a financial institution making a donation specifies the name of a financial product that will be the source of the donation. As a modified example, in the donation support system 20, a customer may specify an account that the customer has opened at a financial institution, from which the donation will be withdrawn.

[0065] In this modification, the donation attribute reception unit 46 of the securities back-office system 16 also receives donation attribute information transmitted from the client terminal 12 to the securities company device 14 and transferred by the securities company device 14. The donation attribute information in this modification also includes the client's identification information, donation destination designation, and donation amount designation. The donation amount designation in the donation attribute information in this modification includes information on the client's account (e.g., the account number of the securities account) from which the donation will be withdrawn. The donation amount designation further includes designation of the donation percentage (e.g., X%) to be allocated to the donation from the total amount of dividends deposited in the client's account, or designation of the donation amount (e.g., YY yen) to be allocated to the donation from the total amount of dividends deposited in the client's account. In addition, it is also possible to designate the donation percentage according to the classification of the total amount of dividends, such as X% if the total amount of dividends deposited in the client's account is less than YY yen, and XX% different from X% if the total amount of dividends deposited in the client's account is YY yen or more.

[0066] The donation attribute receiving unit 46 stores the donation attribute information in the donation attribute storage unit 36. FIG. 9 shows the configuration of donation attribute information in a modified example. This modified example differs from the first embodiment in that the donation amount is specified by specifying account information and a donation percentage or donation amount. When dividends, etc. from financial products held by a customer are deposited into the account of the customer (hereinafter referred to as the "specific customer" who is the subject of the processing), the donation processing unit 76 of the donation PF 18 executes processing to donate at least a portion of the dividends, etc. to the donation recipient organization specified by the specific customer.

[0067] Specifically, when dividends or the like are newly deposited into a specific customer's account stored in the customer balance storage unit 40, the donation linking unit 54 of the securities back-office system 16 calculates the donation amount of the specific customer based on the amount of the newly deposited dividends or the like and the donation rate or donation amount specified in the donation attribute information. The donation processing unit 76 of the donation PF 18 remits the donation amount calculated by the donation linking unit 54 to the organization to which the donation is to be made.

[0068] An example of donation amount calculation for a specific customer is shown below. The specific customer holds stock A and investment trust B, and the dividend of stock A is 1000 yen, the distribution of stock B is 2000 yen, and the total amount of dividends, etc. deposited in the account of the specific customer is 3000 yen. Here, if the donation rate is specified as 10%, the donation linking unit 54 calculates the donation amount of the specific customer as 300 yen (total amount of dividends, etc. deposited in the account 3000 yen x donation rate 10% = 300 yen). Also, if the donation amount is set to 500 yen, the donation linking unit 54 determines the set donation amount of 500 yen as the donation amount of the specific customer, since the total amount of dividends, etc. deposited in the account 3000 yen ≧ the set donation amount of 500 yen.

[0069] The donation support system 20 of this modification has the same effects as the donation support system 20 of the first embodiment. Moreover, according to the donation support system 20 of this modification, even if a customer holds many financial products, the customer can designate his / her own account as the source of donation funds, making it easier to set up donations.

[0070] <Second embodiment> The second embodiment of the present disclosure will be described focusing on the differences from the first embodiment, and the description of the common points will be omitted as appropriate. The features of the second embodiment can be arbitrarily combined with the features of the first embodiment or the features of the modified example. The components of the second embodiment that are the same as or correspond to the components of the first embodiment will be described with the same reference numerals as appropriate.

[0071] 10 shows the configuration of an information processing system 10 according to the second embodiment. The information processing system 10 according to the second embodiment includes a plurality of company devices 22 instead of the securities company device 14 and the securities back-office system 16 according to the first embodiment.

[0072] The multiple company devices 22 are information processing devices of multiple companies, and include company device 22a, company device 22b, and company device 22c. The multiple companies are companies that provide some products or services, and also provide customers with benefits through a loyalty program (also called a point program). The benefits in the second embodiment are points. For example, the customer can use the points as part of the price of the next or subsequent purchases, or exchange the points for products or services.

[0073] In the second embodiment, the corporate device 22 and the donation PF 18 cooperate to realize a donation support system 20 that supports donations to public interest foundations and general foundations. The donation support system 20 donates at least a portion of the monetary value of the points held by the customer to public interest foundations, general foundations, etc., based on the customer's designation. Hereinafter, a company that grants loyalty program benefits to customers and is a target company for which the donation support system 20 supports donations to public interest organizations, etc., is also referred to as a "target company."

[0074] Fig. 11 is a block diagram showing the functional blocks of the donation support system 20 of the second embodiment. Fig. 11 shows the functional blocks related to the donation support system 20 provided in each of the company device 22 and the donation PF 18.

[0075] The corporate device 22 has the same functional blocks as the securities back-office system 16 of the first embodiment. Specifically, the corporate device 22 has a customer attribute storage unit 34, a donation attribute storage unit 36, a customer balance storage unit 40, a consent information reception unit 42, a consent information linking unit 44, a donation attribute reception unit 46, a donation destination information linking unit 48, a customer balance update unit 52, and a donation linking unit 54.

[0076] The donation PF18 of the second embodiment has the same functional blocks as the donation PF18 of the first embodiment. Specifically, the donation PF18 has a donation destination master storage unit 64, a donation consenter information storage unit 66, a donation history storage unit 68, a donation consenter information receiving unit 70, a donation destination information receiving unit 72, a donation destination determination unit 74, a donation processing unit 76, a donation history updating unit 78, a receipt generation unit 80, and a receipt provision unit 82. Below, the differences from the first embodiment will be described.

[0077] The donation attribute information received by the donation attribute receiving unit 46 of the corporate device 22 and stored by the donation attribute storage unit 36 ​​of the corporate device 22 includes a donation destination designation and a donation amount designation. The donation amount designation includes a designation of an account in which information on benefits provided to customers by the target company in the target company's loyalty program, which will be the source of the donation, is recorded. The donation amount designation includes a designation of a donation percentage or donation amount. The donation percentage is the percentage (e.g., X%) allocated to donations from the number of points newly recorded in the customer's account (the number of newly provided points). The donation amount is the number of points (e.g., YY points) allocated to donations from the number of points newly recorded in the customer's account.

[0078] The donation processing unit 76 of the donation PF 18 executes processing for donating at least a portion of the amount corresponding to the benefit provided to the customer to a donation recipient organization designated by the customer when information regarding the benefit provided to the customer by the target company is recorded in the customer's account.

[0079] In the second embodiment, the organization to which the donation is to be made can also be designated by category designation or discretionary designation. When the category of the organization to which the donation is to be made is designated, the donation processing unit 76 of the donation PF 18 executes processing to donate at least a portion of the amount corresponding to the benefit provided to the customer to one or more organizations belonging to the category designated by the customer, as determined by the donation destination determination unit 74, in the same manner as in the first embodiment.

[0080] In the second embodiment, the receipt generating unit 80 for the donation PF 18 also generates a receipt for the customer, including the organization to which the donation is made and the donation amount. The receipt generating unit 80 also generates a receipt that aggregates information on multiple donation details related to the same customer among the multiple donation details stored in the donation history storage unit 68.

[0081] Note that the functional blocks included in the corporate device 22 and the donation PF18 shown in Fig. 11 are merely examples. As a modified example, some of the functional blocks included in the corporate device 22 may be configured to be included in the donation PF18. Also, some of the functional blocks included in the donation PF18 may be configured to be included in the corporate device 22. Also, one functional block shown in Fig. 11 may be divided and provided in the corporate device 22 and the donation PF18, and one functional block may be realized as a whole. Furthermore, the corporate device 22 may be provided with all of the functional blocks provided in the donation PF18, that is, the donation support system 20 may be realized by a single device or system (e.g., the corporate device 22).

[0082] The operation of the donation supporting system 20 of the second embodiment will be described below. Fig. 12 is a flowchart showing the operation of the donation supporting system 20 of the second embodiment, specifically, the operation of the company device 22 and the donation PF 18 of the second embodiment.

[0083] The consent information receiving unit 42 of the corporate device 22 receives consent information regarding donations transmitted from the customer terminal 12, and stores donation attributes based on the consent information in the donation attribute storage unit 36 ​​(S30). The consent information linking unit 44 of the corporate device 22 transmits the consent information to the donation PF 18 (S31). The donation consenter information receiving unit 70 of the donation PF 18 receives the consent information transmitted from the corporate device 22, and stores donation consenter information based on the consent information in the donation consenter information storage unit 66 (S32). While the identification information of the consenting securities company was recorded in the donation consenter information in the first embodiment, the identification information of the consenting company (the business that granted points to the customer) is recorded in the donation consenter information in the second embodiment.

[0084] In response to an operation by a customer, the customer terminal 12 transmits donation attribute information to the company device 22. The donation attribute information includes a designated category of donation recipient and a designated account in which the balance of rewards (here, points) provided to customers through the company's loyalty program, which is the source of the donation, is recorded. The donation attribute information further includes a designated donation rate or donation amount.

[0085] The donation attribute receiving unit 46 of the corporate device 22 receives the donation attribute information and stores the donation attribute information in the donation attribute memory unit 36 ​​(S33). The donation destination information linking unit 48 of the corporate device 22 transmits the donation destination designation in the donation attribute information to the donation PF 18 (S34). The donation destination information receiving unit 72 of the donation PF 18 receives the donation destination designation and stores the donation destination designation in the donation consenter information saved in S32 (S35).

[0086] The customer balance update unit 52 of the company device 22 receives point information including the number of points to be provided from an external device (not shown) or an application (not shown) when points are provided from the company to the customer (S36). The customer balance update unit 52 increases the balance of the account of the customer to whom points have been provided (hereinafter referred to as the "target customer"), which is stored in the customer balance storage unit 40, by the number of points provided (S37).

[0087] When points are added to the balance of the target customer's account, the donation linking unit 54 of the corporate device 22 calculates the donation amount of the target customer based on the added amount of points (in other words, the newly provided number of points) and the donation rate or donation amount specified in the donation attribute information.

[0088] The donation linking unit 54 converts the additional points into money based on a predetermined conversion rule, in other words, calculates the amount of currency equivalent to the additional points. An example of calculating the donation amount for the target customer is shown below. Here, the additional points in the balance of the target customer's account is set to 2000 points, and the conversion rate is 10 points = 1 yen. Also, the donation rate is set to 20%. In this case, the donation linking unit 54 multiplies the additional points, 200 yen, by the donation rate of 20%, to calculate the donation amount for the target customer as 40 yen.

[0089] The donation linking unit 54 transmits donation information including the donation amount of the target customer to the donation PF 18 (S38). When the donation information is received, the donation destination determination unit 74 of the donation PF 18 determines the organization to which the target customer should make donations based on the category previously designated by the target customer indicated by the donation information and the donation destination master in the donation destination master storage unit 64 (S39). The donation processing unit 76 of the donation PF 18 executes processing to transfer the donation amount indicated by the donation information to the donation destination organization determined in S39 (S40).

[0090] The donation history update unit 78 of the donation PF 18 stores new donation details for the target customer in the donation history storage unit 68 (S41). Figure 13 shows an example of donation details. The three donation details shown in Figure 13 include two donation details corresponding to two donations made by the target customer, Yamada Taro, to the AA Foundation, and one donation detail corresponding to one donation made by Yamada Taro to the BB Foundation.

[0091] Returning to Fig. 12, when the predetermined receipt creation timing arrives, the receipt generation unit 80 of the donation PF 18 generates receipt data that aggregates one or more donation details of the target customer stored in the donation history storage unit 68. The receipt provision unit 82 of the donation PF 18 transmits the receipt data generated by the receipt generation unit 80 to the customer terminal 12 of the target customer (S42).

[0092] Fig. 14 shows an example of a receipt. Fig. 14 shows a receipt based on three donation details for the target customer Yamada Taro shown in Fig. 13. The receipt generation unit 80 may generate one receipt based on multiple donation details for one customer (a single receipt addressed to Yamada Taro in Fig. 14) by performing name matching using the customer's identification information.

[0093] The donation support system 20 of the second embodiment has the same effect as the donation support system 20 of the first embodiment. Specifically, the donation support system 20 of the second embodiment can encourage donations by customers of a company that provides benefits through a loyalty program. That is, the donation support system 20 of the second embodiment can support donations to an organization (e.g., a public interest foundation) designated by a customer of the company, using the benefits of the loyalty program recorded in an account designated by the customer as a source of funds. Furthermore, the donation support system 20 of the second embodiment also allows a customer to designate an arbitrary account (e.g., an arbitrary account in which benefits of a loyalty program are accumulated) as the source of funds for donations, thereby realizing a flexible donation mechanism.

[0094] The present disclosure has been described above based on the second embodiment. The contents described in the second embodiment are merely examples, and it will be understood by those skilled in the art that various modifications are possible in the combination of the components and processing steps of the second embodiment, and that such modifications are also within the scope of the present disclosure.

[0095] A modified example of the second embodiment will be described. In the second embodiment, the company gives points to the customer as a loyalty program benefit. As a modified example, the company may give an actual item (in other words, an item) to the customer as a loyalty program benefit. The donation processing unit 76 of the donation support system 20 may execute processing for donating at least a portion of the monetary value of the actual item as the benefit based on a predetermined criterion.

[0096] Specifically, the donation linking unit 54 of the corporate device 22 may convert the benefit provided to the customer (target customer) into money based on a predetermined conversion standard. The donation linking unit 54 may calculate the donation amount of the target customer based on the amount of the benefit converted into money and the donation rate or donation amount specified in the donation attribute information. The donation processing unit 76 of the donation PF 18 may donate at least a part of the amount of the benefit converted into money by transferring the donation amount calculated by the donation linking unit 54 to a public interest organization or the like. According to this modification, even when the benefit is provided in kind, donation to an organization specified by the customer can be realized.

[0097] Modifications applicable to the first and second embodiments will be described. In the first and second embodiments, the customer specifies the donation destination by category, or leaves it to the customer to specify. As a modification, the customer may specify the desired organization itself as the donation destination. In this case, the donation destination determination unit 74 of the donation PF 18 may determine the organization specified in the donation attribute information transmitted from the customer terminal 12 as the organization to which the donation should be made.

[0098] Any combination of the above-mentioned embodiments and modifications is also useful as an embodiment of the present invention. A new embodiment resulting from the combination has the effects of each of the combined embodiments and modifications. It will also be understood by those skilled in the art that the functions to be performed by each component recited in the claims can be realized by the components shown in each embodiment and each modification alone or in combination.

[0099] <Additional Notes> The above description of the embodiment and modifications discloses the following techniques. [Technology 1-1] A reception unit that receives, from a customer of the financial institution, a designation regarding an organization to which the donation is to be made and a designation of a name of a financial product held by the customer that will be the source of the donation; a donation processing unit that executes a process for donating at least a portion of a dividend or the like to a designated organization when a dividend or the like is generated for the designated stock; A donation support system that includes: This donation support system can support donations to organizations (for example, public interest foundations) designated by financial institution customers, using dividends and the like from stocks designated by the customers. [Technology 1-2] a reception unit that receives, from a customer of the financial institution, a designation of an organization to which the donation is to be made and a designation of an account of the customer from which the donation is to be withdrawn; a donation processing unit that executes a process for donating at least a portion of the dividends, etc., of the financial products held by the client to the designated organization as a donation destination when the dividends, etc., of the financial products held by the client are deposited in the account; A donation support system that includes: This donation support system can support donations to organizations (such as public interest foundations) designated by financial institution customers, using dividends and the like deposited in accounts designated by the customers. [Technology 1-3] The designation of the organization to which the donation is to be made can be by category. The donation processing unit executes a process for donating at least a portion of the dividend or the like to one or more organizations belonging to a specified category. The donation support system described in Technology 1-1 or 1-2. With this donation support system, customers can choose a category as the recipient rather than selecting individual organizations, making it easy to donate to organizations that fit their wishes. [Technology 1-4] A receipt generating unit is further provided for generating a receipt for the customer, the receipt including the donation recipient organization and the donation amount. A donation support system according to any one of techniques 1-1 to 1-3. This donation support system can automatically issue receipts to provide customers with tax benefits for their donations. [Technology 1-5] Further comprising a storage unit for storing a plurality of donation details; The receipt generation unit generates a receipt that aggregates information on a plurality of donation details related to the same customer among the plurality of donation details. The donation support system described in Technology 1-4. This donation support system can provide receipts that consolidate information on multiple donations made by the same customer.

[0100] [Technology 2-1] a reception unit that receives, from a customer of a given company, a designation of a recipient organization and a designation of an account that will serve as the source of the donation and in which information regarding benefits provided to said customer by said company under said company's loyalty program is recorded; a donation processing unit that, when information regarding a benefit provided to the customer by the company is recorded in the account, executes a process for donating at least a portion of the amount corresponding to the provided benefit to a designated organization; A donation support system that includes: This donation support system can support donations to organizations (such as public interest foundations) designated by customers of a specified company (a company that provides customers with benefits through a loyalty program) using the benefits recorded in an account designated by the customer. [Technology 2-2] The donation processing unit executes a process for donating at least a part of the amount of the benefit converted into money based on a predetermined criterion when the benefit is an item. The donation support system described in Technology 2-1. This donation support system allows customers to make donations to organizations they specify even when benefits are provided in kind. [Technology 2-3] The designation of the organization to which the donation is to be made can be by category. The donation processing unit executes a process for donating at least a portion of the amount corresponding to the provided benefit to one or more organizations belonging to a specified category. The donation support system described in Technology 2-1 or 2-2. With this donation support system, customers can choose a category as the recipient rather than selecting individual organizations, making it easy to donate to organizations that fit their wishes. [Technology 2-4] A receipt generating unit is further provided for generating a receipt for the customer, the receipt including the donation recipient organization and the donation amount. A donation support system according to any one of techniques 2-1 to 2-3. This donation support system can automatically issue receipts to provide customers with tax benefits for their donations. [Technology 2-5] Further comprising a storage unit for storing a plurality of donation details; The receipt generation unit generates a receipt that aggregates information on a plurality of donation details related to the same customer among the plurality of donation details. The donation support system described in Technology 2-4. This donation support system can provide receipts that consolidate information on multiple donations made by the same customer. [Explanation of symbols]

[0101] 10 information processing system, 16 securities back office system, 18 donation PF, 20 donation support system, 42 consent information receiving unit, 44 consent information linking unit, 46 donation attribute receiving unit, 48 donation destination information linking unit, 50 dividend recording unit, 52 customer balance updating unit, 54 donation linking unit, 68 donation history memory unit, 70 donation consenter information receiving unit, 72 donation destination information receiving unit, 74 donation destination determination unit, 76 donation processing unit, 80 receipt generation unit, 82 receipt providing unit.

Claims

1. A reception unit that receives, from a customer of the financial institution, a designation regarding an organization to which the donation is to be made and a designation of a name of a financial product held by the customer that will be the source of the donation; a donation processing unit that executes a process for donating at least a portion of a dividend or the like to a designated organization when a dividend or the like is generated for the designated stock; A donation support system that includes:

2. a reception unit that receives, from a customer of the financial institution, a designation of an organization to which the donation is to be made and a designation of an account of the customer from which the donation is to be withdrawn; a donation processing unit that executes a process for donating at least a portion of the dividends, etc., of the financial products held by the client to the designated organization as a donation destination when the dividends, etc., of the financial products held by the client are deposited in the account; A donation support system that includes:

3. The designation of the organization to which the donation is to be made can be by category. the donation processing unit executes a process for donating at least a portion of the dividend or the like to one or more organizations belonging to a specified category; The donation support system according to claim 1 or 2.

4. A receipt generating unit is further provided for generating a receipt for the customer, the receipt including the donation recipient organization and the donation amount. The donation support system according to claim 1 or 2.

5. Further comprising a storage unit for storing a plurality of donation details; The receipt generation unit generates a receipt that aggregates information on a plurality of donation details related to the same customer among the plurality of donation details. The donation support system according to claim 4.

Images