Information processing systems, information processing methods

Abstract

This creates opportunities for asset holders and financial institutions to interact. [Solution] The system obtains information including the total asset value, which is the sum of the asset values ​​in one or more asset accounts held by the user; accepts the setting of offer conditions including the said total asset value; extracts candidate users who meet the said offer conditions; and sends an offer message to the said candidate users.

Description

Technical Field

[0001] The present invention relates to an information processing system and an information processing method.

Background Art

[0002] In the securities industry, it is one of the important operations to propose the most suitable financial products to individual investors. Conventionally, securities companies have proposed financial products to customers through face-to-face sales activities with customers and telephone solicitation through call centers. In these methods, since the experience and personal judgment of sales staff are greatly involved, variations are likely to occur in the quality and consistency of the proposals. In addition, in order to conduct sales activities efficiently with limited resources, a mechanism is required to appropriately grasp information such as customer attributes and asset status and make proposals accordingly.

[0003] In light of such a situation, in recent years, the development of a system that utilizes IT technology to centrally manage customer information and automatically or semi-automatically propose the most suitable financial products has been progressing. In particular, a method of analyzing information such as customer age, occupation, family composition, investment history, and asset size, estimating the needs and risk tolerance of each customer, and then making product proposals has attracted attention. In addition, by utilizing big data and AI technology, more refined customer analysis and segmentation have become possible, aiming to improve the efficiency of sales and the accuracy of proposals.

[0004] In Patent Document 1, there are disclosed a customer database that holds customer information including customer attributes and account information, a family management database that holds information on families consisting of a plurality of customers, and a customer information management unit that registers or acquires and displays customer information and family information in response to a request from a sales support terminal. The family management database holds the association between families and the accounts of customers belonging to them. In this technology, it is possible to logically associate and manage as a family even customers who could not be accurately grasped as a family by the conventional method, and it is configured to support the effective utilization of information in sales activities. [Prior art documents] [Patent Documents]

[0005] [Patent Document 1] Japanese Patent Publication No. 2015-060344 [Overview of the project] [Problems that the invention aims to solve]

[0006] In recent years, there has been an increase in cases where young people possess large amounts of financial assets through inheritance from the elderly. However, many of them lack experience in asset management and tend to leave inherited stocks and investment trusts untouched in their securities accounts, turning them into dormant assets. Factors contributing to this include the heirs' lack of investment knowledge and experience, low interest in investing, and lack of opportunities to consult with securities companies. As a result, these valuable assets go unused, hindering securities companies from building new customer bases and expanding their revenue opportunities.

[0007] In view of these circumstances, the present invention aims to solve the problem of providing a technology that creates opportunities for asset holders and financial institutions to interact. [Means for solving the problem]

[0008] [1] An information processing system comprising: an acquisition means for acquiring information including the total asset amount, which is the sum of the asset amounts in one or more asset accounts held by a user; an extraction means for accepting the setting of offer conditions including the total asset amount and extracting candidate users who satisfy the offer conditions; and a message processing means for sending an offer message to the candidate users. [2] The information processing system according to [1], comprising an asset management means for acquiring the respective asset amounts in one or more asset accounts held by a user, wherein the acquisition means acquires information including the total asset amount from the asset management means. [3] The information processing system according to [2], further comprising a reward issuing means for issuing rewards to users in accordance with the number of asset accounts registered in the asset management means. [4] An information processing system according to any one of [1] to [3], comprising a classification means for classifying the offer characteristics of the user based on the user's attribute information and asset information, wherein the extraction means accepts the setting of offer conditions including the offer characteristics and extracts candidate users who satisfy the offer conditions. [5] The information processing system according to [4], wherein the message processing means generates and transmits an offer message corresponding to the offer characteristics. [6] The acquisition means acquires the operational status of the asset account held by the user, The extraction means is an information processing system according to any one of [1] to [5], which accepts the setting of offer conditions including the operating status and extracts candidate users who satisfy the offer conditions. [7] The message processing means transmits the offer message to the person making the offer in an anonymized state, and accepts approval from the candidate user for the offer message, thereby permitting the sending and receiving of messages between the candidate user and the person making the offer, as described in any of [1] to [6].

[0009] According to [1] and [2], financial institutions can make offers to users who hold certain assets. [3] According to this, it is possible to provide users with an incentive to register an asset account and increase the opportunities for financial institutions to effectively reach users with potential needs, such as dormant accounts. According to [4], [5], effective approaches can be taken after classifying the characteristics of the users. [6] According to this, it is possible to effectively reach users who have dormant accounts. [7] According to this, offers can be made while protecting the user's personal information. [Effects of the Invention]

[0010] According to the present invention, it is possible to provide a technology that creates opportunities for asset holders and financial institutions to interact. [Brief explanation of the drawing]

[0011] [Figure 1] A block diagram of the information processing system of this embodiment. [Figure 2] Hardware configuration diagram of each device in this embodiment. [Figure 3] A processing sequence diagram of the information processing system of this embodiment. [Figure 4] A processing flowchart for the asset management system of this embodiment. [Figure 5] Data structure diagram of account information in this embodiment. [Figure 6] A processing flowchart of the offer device according to this embodiment. [Modes for carrying out the invention]

[0012] The following describes an information processing system and information processing method based on embodiments of the present invention, with reference to the drawings. Note that the embodiments shown below are examples of the present invention, and the present invention is not limited to these embodiments; various configurations can be adopted.

[0013] In this embodiment, the configuration and operation of the information processing system and server device will be described, but similar configurations, computer programs, and program recording media on which such programs are stored will produce similar effects. Using a program recording medium, for example, the program can be installed on a computer. The series of processes according to this embodiment, described below, are provided as a program executable by a computer and can be provided via non-transient computer-readable recording media such as CD-ROMs and flexible disks, as well as via communication lines.

[0014] The information processing system is composed of computer devices. The computer device includes an arithmetic unit such as a CPU (Central Processing Unit) and a storage device. By executing the program stored in the storage device with the arithmetic unit, the computer device can function as an information processing system. The information processing method is realized by the processing of the information processing system.

[0015] In the present embodiment, financial assets include assets having economic value such as cash, deposits, stocks, bonds, investment trusts, ETFs (listed investment trusts), REITs (real estate investment trusts), FX (foreign exchange margin trading), cryptocurrency, and various points. These financial assets are managed in accounts or accounts including securities accounts, bank accounts, trust accounts, FX accounts, cryptocurrency exchange accounts, real estate crowdfunding accounts, point management accounts, etc. held by users. In the present disclosure, these accounts or accounts are defined as asset accounts. In the present disclosure, an embodiment in which financial assets are managed in a securities account will be described, but the present disclosure is not limited thereto, and it is possible to target financial assets managed in various asset accounts described above.

[0016] FIG. 1 shows a block diagram of the information processing system 1. The information processing system 1 includes a server device 2, a user terminal 3, and a financial institution device 5, which are connected via a communication network NW, respectively. In FIG. 1, only one user terminal 3 and one financial institution device 5 are shown, but a plurality of these may exist.

[0017] The server device 2 is a computer device equipped with one or more processors, and includes an offer system 20 and an asset management system 4. The offer system 20 and the asset management system 4 only need to be able to communicate with each other, and may be implemented as different devices. The server device 2 may include different databases for each of the offer system 20 and the asset management system 4.

[0018] The offer system 20 includes, as functional components, an acquisition means 21 for acquiring user information from the asset management system 4, a classification means 22 for classifying offer characteristics based on user information, an extraction means 23 for extracting candidate users based on offer conditions, a message processing means 24 for processing offer messages to candidate users, and a reward issuing means 25 for issuing rewards to users.

[0019] The user terminal 3 is a terminal device such as a personal computer or smartphone operated by a user who holds financial assets. In this embodiment, the user terminal 3 manages one or more asset accounts using the asset management means 41. Specifically, the asset management means 41 is a personal financial management (PFM) application that provides functions to support personal asset management.

[0020] The asset management system 4 provides asset management means 41. The asset management system 4 issues a user account in response to a registration request from the user terminal 3. The asset management system 4 receives a designation of an asset account from the user terminal 3 and sends a linking request for that asset account to the financial institution device 5. Once the linking request is approved, the asset management system 4 can link one or more asset accounts to the user account. The asset management system 4 can obtain asset information from the financial institution device 5 for the linked one or more asset accounts and integrate, manage, and analyze the asset information.

[0021] In this embodiment, the asset management system 4 is installed separately from the offer system 20 and configured to communicate with each other. Alternatively, the asset management system 4 may be installed inside the offer system 20 and configured to communicate with each other. In this case, the offer system 20 may be equipped with asset management means 41 as a functional component.

[0022] The financial institution device 5 is a server device set up in a financial institution and manages the asset accounts of users. The financial institution device 5 has a database that records asset information such as the type, quantity, and balance of assets held in each user's asset account. The financial institution device 5 processes buy and sell transactions of financial products approved by the user, as well as deposits and withdrawals of financial assets, and updates the database. In this embodiment, the financial institution device 5 provides the asset management system 4 with the user's asset account information in response to a linkage request from the asset management system 4.

[0023] Figure 2(a) shows the hardware configuration diagram of server device 2. Server device 2 comprises a processor 201, memory 202, and a communication interface 203, with each component connected by a bus interface. The financial institution device 5 is assumed to have the same hardware configuration as server device 2.

[0024] The processor 201 consists of one or more processors, such as a CPU, and controls the overall processing in the offer system 20 by executing programs, the OS (Operating System), and other applications. The memory 202 is a RAM (Random Access Memory), HDD (Hard Disk Drive), SSD (Solid State Drive), flash memory, etc., and stores programs and various data. The communication interface 203 is an interface for wired communication, wireless communication, etc., and controls data communication with external devices.

[0025] Figure 2(b) shows the hardware configuration diagram of user terminal 3. User terminal 3 has a hardware configuration consisting of a processor 301, memory 302, communication interface 303, input interface 304, and output interface 305, and each component is connected by a bus interface.

[0026] The processor 301 consists of one or more processors, such as a CPU, and controls the overall processing on the user terminal 3 by executing programs, the OS (Operating System), and other applications. The memory 302 is RAM, HDD, SSD, flash memory, etc., and stores programs and various data. The communication interface 303 is an interface for wired communication, wireless communication, etc., and controls data communication with external devices. The input interface 304 is an interface with input devices such as a touch panel, mouse, keyboard, and microphone. The output interface 305 is an interface with output devices such as a display and speakers.

[0027] Figure 3 shows the processing sequence in the information processing system 1. In step S101, the user terminal 3 sends a registration request to the asset management system 4 and registers a user account. In step S102, the asset management system 4 sends a linking request for the asset account specified by the user terminal 3 to the financial institution device 5. In step S103, when the financial institution device 5 approves the linking request, it provides the asset management system 4 with account information, including the asset amount of the target asset account. In step S104, the asset management system 4 sets access rights for the offer system 20 regarding the user's information. In step S105, when the access rights are set, the offer system 20 sends the offer conditions to the asset management system 4. In step S106, the asset management system 4 provides the offer system 20 with information on candidate users who are candidates for the offer, extracted based on the offer conditions. In step S107, the offer system 20 sends an offer message to the candidate users.

[0028] Figure 4 shows the processing flowchart in the asset management system 4.

[0029] In process S201, the asset management system 4 receives an account issuance request from the user terminal 3 and issues a user account. The account issuance request includes the user's personal information and attribute information. Personal information includes information that can identify an individual, such as the user's name, address, and contact information. Attribute information includes information used for customer analysis and classification, such as the user's age, gender, residential area (prefecture, city, town, etc.), occupation, hobbies, and IR access status. The user account is stored in the user database, with the personal information and attribute information linked to the user ID.

[0030] In this embodiment, the asset management system 4 also provides a follow function between users, and allows users to view the asset information of approved users. The asset management system 4 may also include the user IDs of the users being followed as attribute information.

[0031] In process S202, the asset management system 4 obtains the information necessary for linking asset accounts from the user terminal 3 and sends a request for linking the asset accounts to the financial institution device 5. The information necessary for linking asset accounts includes the name of the financial institution, account number, password, etc.

[0032] In step S203, the asset management system 4 obtains the authentication result for the linkage request from the financial institution device 5. If authentication is permitted, it links the requested asset account to the user account and stores it in the user database. The asset management system 4 can link multiple asset accounts to a single user account by executing steps S202 and S203 multiple times. The asset management system 4 can periodically obtain the account information of the linked asset account from the financial institution device 5 that manages the asset account, or obtain it in accordance with a predetermined operation.

[0033] As shown in Figure 5, account information includes account ID, account type, account opening date, asset amount, and transaction history. Account type includes savings accounts, time deposits, securities accounts, investment trust accounts, etc., and represents the form of financial assets. Asset amount is the current amount of financial assets in the account, and includes the valuation amount calculated based on the asset details for the held assets. Asset details include security information, quantity held, acquisition cost, and current cost. Transaction history includes the date and time of each transaction, transaction type, quantity, transaction cost, transaction amount, security information, etc. Transaction type includes deposits, withdrawals, purchases, sales, dividend receipts, etc., and represents the form of the transaction.

[0034] Stock information refers to information about stocks, investment trusts, and other securities traded in securities accounts, investment trust accounts, etc. Stock information includes the stock name, stock code, asset type, trading market, and trading unit.

[0035] In process S204, the asset management system 4 centrally manages one or more asset accounts linked to a user account. The asset management system 4 generates asset information based on one or more account information, links it to the user account, and stores it in the user database. The asset information includes the total asset value, which is the sum of the asset amounts from multiple account information. The total asset value is the market value of the assets held in the account, and represents the sum of the appraised values ​​of financial assets that reflect, for example, fluctuations in stock prices. The total asset value includes the total value for each financial asset, the total value of specified financial assets, and the total value of all financial assets.

[0036] Asset information is compiled by integrating transaction histories from multiple transactions. The asset management system 4 may analyze the transaction history, generate transaction trend information, and record it in conjunction with the asset information. Transaction trend information includes asset portfolio, balance between capital gains and income gains, and operational status. This transaction trend information may also be recorded as the result of analysis for each individual account. Specifically, the asset management system 4 can analyze the operational status based on the transaction date and time for each individual asset account. The operational status is analyzed according to the transaction frequency, the last transaction date and time, and whether or not there have been fluctuations in assets.

[0037] The asset management system 4 sets access permissions for user information via the user terminal 3. User information includes personal information, attribute information, and asset information linked to the user account. If access permissions are granted, the asset management system 4 can grant the offer system 20 access to the user information. However, even if access permissions are granted, the asset management system 4 restricts the offer system 20 from accessing the user's personal information. The asset management system 4 records the access permission settings for user information for each user, linked to the user account.

[0038] Figure 6 shows the processing flowchart in the offer system 20.

[0039] In step S301, the acquisition means 21 acquires user information. The acquisition means 21 acquires user information based on the user rights set in the asset management system 4. The acquisition means 21 may store the acquired user information in the memory 202.

[0040] In step S302, the classification means 22 classifies the user's offer characteristics based on the user's attribute information and asset information included in the user information. Offer characteristics are characteristics classified according to each user's preferences and behavioral patterns regarding asset management. In this embodiment, the classification means 22 classifies the user's offer characteristics using a classification model for classifying the user's attribute information and asset information into offer characteristics.

[0041] The classification model is a model that classifies users into groups with similar behavioral patterns based on given attribute and asset information. In this embodiment, the classification model can segment (classify) users with similar behavioral patterns as offer characteristics using machine learning techniques such as collaborative filtering. The machine learning technique is not limited to collaborative filtering, and can include clustering, decision trees, support vector machines, neural networks, etc. Furthermore, the classification model may be a pre-trained model, which is generated by machine learning using a dataset in which attribute and asset information is input data and offer characteristics are output data.

[0042] In this embodiment, the asset information classified by the classification model includes financial instrument attributes and transaction attributes. Financial instrument attributes include account type (stocks, FX, crowdfunding account, points account), account management company, type of financial instrument held (stocks, investment trusts, bonds, points), individual stocks, presence or absence of dividends / shareholder benefits / distributions, asset portfolio (e.g., percentage of financial assets held), and balance between capital gains and income gains. Transaction attributes include short-term trading, long-term holding, trading before and after ex-dividend date, trading before and after settlement, box trading, operational status, etc. The offer system 20 derives transaction attributes and financial instrument attributes based on the transaction history included in the asset information.

[0043] Offer characteristics include, but are not limited to, these characteristics and quantities, a risk-taking type, a stability-oriented type that prioritizes stable returns, a growth-oriented type that invests in the growth of companies, an income-oriented type that prioritizes regular income, and a dormant state. Offer characteristics may also include characteristics specific to each asset account. For example, offer characteristics can be classified by the activity status (active, dormant) of a particular asset account. Furthermore, multiple offer characteristics may be assigned to a single user.

[0044] Offer characteristics are derived by analyzing the inherent tendencies in user behavior patterns using collaborative filtering and other machine learning techniques. Offer characteristics may be linked to user information and stored in memory 202. Offer characteristics linked to user information may be updated when user information is retrieved again.

[0045] In step S303 of Figure 6, the extraction means 23 accepts the setting of offer conditions. Offer conditions indicate the conditions of the user to whom the offer will be made. The extraction means 23 can accept the setting of offer conditions via an offer terminal (not shown) operated by the person making the offer. The offer terminal is a terminal device operated by financial institutions such as securities companies and banks.

[0046] Offer conditions include at least one of the following: total assets, offer characteristics, and operational status. Multiple offer conditions may be combined. Offer conditions may also include attribute information and individual asset information fields.

[0047] The extraction means 23 provides an offer terminal at a specific financial institution with information about the asset accounts managed by that financial institution. Operating status This allows setting offer conditions. This enables a financial institution managing an asset account to propose asset management to potential users who hold such an account if the account is dormant. Special incentives can be set in such proposals to potential users. Furthermore, the extraction means 23 may or may restrict the setting of offer conditions for asset accounts managed by other financial institutions at an offer terminal within a specific financial institution.

[0048] In step S304, the extraction means 23 extracts candidate users who satisfy the offer conditions. The extraction means 23 extracts candidate users who satisfy the set offer conditions by searching the database. Here, the database includes the user database in the asset management system 4 and the memory 202 of the offer system 20.

[0049] The offer terminal displays the results of the candidate user extraction. The extraction results are output as the number of candidate users and a list of candidate users. Here, the personal information of the candidate users is anonymized in the extraction results.

[0050] In step S305, when the message processing means 24 receives a transmission instruction from the offer terminal, it sends an offer message to the extracted candidate users. The offer message is a notification informing the candidate users that there are proposals or special offers regarding asset management. The offer message is sent to the user terminal 3 via the email address or SMS (Short Message Service) specified as the contact. Alternatively, the offer message may be sent to the user terminal 3 via the messaging function within the application provided by the offer system 20 or the asset management system 4.

[0051] The message processing means 24 can generate offer messages according to the offer characteristics. The offer messages can utilize template messages corresponding to each offer characteristic. Alternatively, the message processing means 24 may obtain offer messages as output by inputting message generation instructions, including the offer characteristics, into a large-scale language model. Furthermore, the offer messages may include information about financial products proposed according to the offer characteristics. This allows for messages that are more likely to be accepted by users based on their characteristics.

[0052] The message processing means 24 may generate offer messages based on the total asset value, offer characteristics, and operational status. For example, the message processing means 24 can generate an offer message proposing asset management in an asset account to a candidate user who holds a dormant asset account. The generated offer message may be edited by the offer terminal and then sent.

[0053] The message processing means 24 can permit the sending and receiving of messages between the candidate user's user terminal 3 and the offer terminal after receiving approval from the candidate user for the offer message. For example, the offer message may include an approval button or a link to an interview scheduler with the offeror, and matching between the user and the offeror is established when the user approves the offer. The message processing means 24 may, after obtaining approval from the candidate user, permit the disclosure of personal information contained in the anonymized user information to the offer terminal.

[0054] The message processing means 24 can receive the setting of offer reception conditions from the user terminal 3. The offer reception conditions include the number of times offers are received within a predetermined period, the recipient of the offer, the content of the offer, etc. The message processing means 24 restricts the sending of offer messages to the user terminal 3 according to the set offer reception conditions.

[0055] The reward issuance means 25 issues rewards to users in accordance with the number of asset accounts registered in the asset management means 41 that are linked to the user account. Rewards include, but are not limited to, financial products, points, and coupons. The reward issuance means 25 may also issue rewards to the user's asset account. This increases the opportunities for financial institutions to effectively approach users with potential needs, such as dormant accounts. [Explanation of symbols]

[0056] 1. Information Processing System 2 Server devices 20 Offer System 21 Acquisition method 22 Classification means 23 Extraction means 24 Message Processing Means 25. Means of issuing rewards 3. User terminals 4. Asset Management System 41. Asset Management Methods 5 Financial Institution Equipment

Claims

1. A server device, an offer terminal operated by the person making the offer, and a user terminal operated by the user, The server device is An acquisition means for acquiring information including the total asset value obtained by summing the asset amounts in one or more asset accounts held by the user, and the operational status indicating at least the dormant state of the asset accounts held by the user; The offer terminal accepts the setting of offer conditions including the total amount of assets and the operating status indicating the dormant state, and extracts candidate users who satisfy the offer conditions, The system includes a message processing means for sending an offer message to the aforementioned candidate user, The aforementioned offer message is a notification from the person making the offer to the prospective user informing them that there is a proposal or special offer regarding asset management. The message processing means is an information processing system that, upon receiving approval from the candidate user for the offer message, permits the sending and receiving of messages between the candidate user's user terminal and the offer terminal.

2. The system includes an asset management mechanism for obtaining the asset amounts in one or more asset accounts held by the user, The information processing system according to claim 1, wherein the acquisition means acquires information including the total amount of assets from the asset management means.

3. The information processing system according to claim 2, further comprising a reward issuing means for issuing rewards to users according to the number of asset accounts registered in the asset management means.

4. The system includes a classification means for classifying the offer characteristics of the user based on the user's attribute information and asset information. The information processing system according to claim 1 or 2, wherein the extraction means accepts the setting of offer conditions including the offer characteristics and extracts candidate users who satisfy the offer conditions.

5. The information processing system according to claim 4, wherein the message processing means generates and transmits an offer message corresponding to the offer characteristics.

6. The information processing system according to claim 1 or 2, wherein the message processing means transmits the offer message to the person making the offer in an anonymized state, the user's personal information.

7. An information processing method using a server device, an offer terminal operated by a person making an offer, and a user terminal operated by a user, The aforementioned server device An acquisition step of acquiring information including the total asset amount obtained by summing the asset amounts in one or more asset accounts held by the user, and the operational status that at least indicates the dormant state of the asset accounts held by the user, The process includes receiving the setting of offer conditions, including the total asset amount and the operating status indicating the dormant state, via the offer terminal, and extracting candidate users who satisfy the offer conditions, The process includes sending an offer message to the aforementioned candidate user, and executing a message processing step. The aforementioned offer message is a notification from the person making the offer to the prospective user informing them that there is a proposal or special offer regarding asset management. The message processing step is an information processing method that allows the sending and receiving of messages between the candidate user's user terminal and the offer terminal by receiving approval from the candidate user for the offer message.

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