JP6940555B2 - Information processing equipment, referral fee processing method - Google Patents

Description

The present invention relates to an information processing device for calculating a referral fee to be paid to an introducer who has introduced a customer who conducts a commercial transaction, and a technical field of a referral fee processing method.

In various fields, there are intermediaries that mediate between companies and customers. The intermediary may have acquaintances (introducers) who have connections that can introduce many customers. In such a case, the intermediary may independently pay the introducer from the intermediary fee paid to him / her in exchange for introducing the customer.

For example, in the financial industry, there is an asset management consultant (the above-mentioned intermediary) called IFA (Independent Financial Advisor).
In particular, securities companies that are developing business on the Internet may outsource business to intermediaries without directly providing advice on financial products to customers. The securities company pays the intermediary a fee from the transaction fee obtained according to the customer's commercial transaction (buying and selling of financial products, etc.). The intermediary pays a referral fee to an acquaintance such as a tax accountant who has referred the customer.

However, the intermediaries are often small, and the paperwork for paying the referral fee is complicated.

In the financial industry, for example, as shown in Patent Document 1, there are inventions for a system for selling financial products, but those for alleviating the complexity of paperwork for payment of referral fees as described above. It wasn't.

Japanese Unexamined Patent Publication No. 2016-149008

In view of the above-mentioned problems, an object of the present invention is to provide an environment for paying a referral fee to an introducer who does not have a direct transaction.

The information processing device according to the present invention is an information processing device that calculates a referral fee for an introducer who has introduced a customer, and is an information management that acquires information on transactions of financial products by the customer and manages transaction record information of the customer. Regarding the department, the judgment unit that determines the presence or absence of an introducer for each customer by referring to the database that links the information of the introducer to each customer, and the customer that the determination unit determines that the introducer exists. A calculation unit that calculates the referral fee based on the calculated base amount according to the customer's transaction record information for a predetermined unit period, and a remittance that performs processing to transfer the referral fee calculated by the calculation unit to the corresponding introducer. The database is provided with a processing unit, and the transaction attribute information of the customer's financial product is associated with each customer, and the information of the intermediary is associated with each customer. The calculation unit calculates the referral fee based on the calculation base amount using a calculation formula according to the transaction attribute of the customer's financial product, and the compensation amount and the introducer to pay to the intermediary based on the calculation base amount. The remittance processing unit performs a process for calculating the referral fee to be paid to the customer, and the remittance processing unit performs a process for remitting the remuneration amount calculated by the calculation unit to the corresponding intermediary .
The introducer information includes a flag indicating the presence or absence of an introducer, identification information of the introducer, and the like, and is stored in the customer DB 51. The predetermined unit period is a reference period for calculating each remuneration, and is, for example, one month. The calculation base amount based on the customer's transaction performance is calculated based on the amount paid by the customer to the financial company A in the unit period as a stock transaction fee, a fixed fee for an investment trust, or the like.

The transaction attribute information here is, for example, information such as the balance of assets under custody, transaction volume, number of transactions, financial product type, and number of financial products.

The information of the intermediary company is associated with each customer in the database in the above-mentioned information processing device, and the calculation unit gives the remittance amount to be paid to the intermediary company and the introducer based on the calculation base amount. The referral fee to be paid is calculated, and the remittance processing unit transfers the referral fee calculated by the calculation unit to the relevant introducer, and transfers the reward amount calculated by the calculation unit to the relevant intermediary. You may perform processing for remittance.
The information processing device (management server 10) collectively remits the reward to the intermediary and the remittance of the referral fee to the introducer.

The calculation unit in the above-mentioned information processing apparatus may calculate so that the referral fee paid to the introducer does not exceed the upper limit determined based on the remuneration amount paid to the intermediary.
The referral fee to the referrer is adjusted so that it does not become excessive with respect to the reward to the intermediary.

The calculation unit in the above-mentioned information processing apparatus may calculate the referral fee for the introducer for a certain customer only within a predetermined period from the start of the calculation.
The referral fee to the referrer is adjusted so that it does not become excessive by paying it for a finite period.

The referral fee history information indicating the amount of the referral fee is managed in the database of the above-mentioned information processing device, and the referral fee history information is used to perform appropriate judgment processing on the amount of the referral fee, and according to the judgment result. It may be provided with an appropriate judgment unit that controls alerts regarding the introducer or the intermediary.
For example, an alert is notified when a characteristic change is seen in the change history of the referral fee.

The transaction history information of the customer is managed in the database in the above-mentioned information processing device, appropriate judgment processing is performed on the transaction status using the transaction history information, and an alert regarding the introducer or the intermediary is performed according to the judgment result. An appropriateness determination unit for controlling may be provided.
Alert notification is performed when characteristic changes such as unnaturally excessive transactions are observed.

In the above-mentioned information processing device, in response to receiving the introducer registration request from the customer's terminal device, the introducer's appropriate judgment process is performed, and an alert regarding the introducer is issued to the customer's terminal device according to the judgment result. It may be provided with an appropriateness determination unit that controls so as to be output in.
Notify customers, for example, in the case of blacklisted referrals.

The referral fee processing method according to the present invention is used as a referral fee processing method for an information processing device that calculates a referral fee for an introducer who has introduced a customer. The information management step to be managed, the determination step of determining the presence or absence of an introducer for each customer by referring to the database in which the information of the introducer is associated with each customer, and the database include the customer for each customer. The transaction attribute information of the financial products of the above is linked, and the information of the intermediary is linked to each customer. The process of calculating the referral fee based on the calculated base amount according to the customer's transaction record information using the calculation formula according to the transaction attribute of the customer's financial product, and the amount of compensation paid to the intermediary based on the calculated base amount. A calculation step for calculating the referral fee to be paid to the introducer, a process for sending the referral fee calculated in the calculation step to the corresponding introducer, and a reward amount calculated in the calculation step. It is provided with a remittance processing step for performing processing for remittance to the relevant intermediary.

According to the present invention, it is possible to provide an environment for paying a referral fee to a referrer who does not have a direct transaction.

It is explanatory drawing of the network system including the management server of embodiment. It is a block diagram of a computer device. It is explanatory drawing of the functional structure of management server. It is a figure which showed an example of the information stored in the customer DB. It is a figure which showed an example of the information stored in the intermediary DB. It is a figure which showed an example of the information stored in the introducer DB. It is a figure which showed an example of the information stored in the transaction history DB. It is a figure which showed an example of the information stored in the referral contract DB. It is a figure which showed an example of the information stored in the payment record DB. It is a flowchart about 1st example of a referral contract registration process. It is a figure which shows an example of the introducer information input screen. It is a figure which shows an example of the intermediary search screen. It is a figure which shows an example of the intermediary search result screen. It is a flowchart about the 2nd example of the referral contract registration process. It is a flowchart about the introduction record registration process. It is a flowchart about the 1st example of payment processing. It is a flowchart about the 1st example of payment processing. It is a flowchart about an example of a remittance process. It is a flowchart about the 2nd example of payment processing. It is a flowchart about the 2nd example of payment processing.

The embodiment will be described with reference to the attached figure.
<1. Network system configuration>
FIG. 1 shows a network system including a management server 10 as an information processing device of the embodiment, and a relationship between an intermediary, an introducer, and a customer who use the network system.

The financial business server 1 is an information processing device used by the financial business A, and includes a management server 10 and a transaction server 11.

The management server 10 is an information processing device that comprehensively manages the financial business performed by the financial business operator A. For example, a new customer registration process when a new customer is acquired, a change process for changing customer information, and a change process are performed. Performs registration processing and deletion processing of newly sold financial products.
Further, the management server 10 performs a process of calculating a fee generated based on a commercial transaction by a customer, a process of calculating a remuneration amount to be paid to an intermediary from the calculated fee (hereinafter, also simply referred to as an "intermediary fee"), and a process of calculating the fee. , Perform payment processing, etc. In the present embodiment, the management server 10 calculates the referral fee to be paid to the introducer and executes the processing related to the payment.
The specific configuration of the management server 10 will be described later.

The transaction server 11 accepts a request for sale of a financial product sold by the financial company A and performs a process of buying and selling the financial product.

The financial business server 1 may be configured to include an information processing device other than the management server 10 and the transaction server 11. For example, it may be configured to include a backup server that backs up important information.

The management server 10 and the transaction server 11 as components of the financial business server 1 are made accessible to the DB (Database) in order to execute various processes. The DBs accessible to each server are, for example, a customer DB 51, an intermediary DB 52, an introducer DB 53, a transaction history DB 54, a referral contract DB 55, a payment record DB 56, and the like.

The financial business server 1 is connected to one or more intermediary terminals 3 and one or a plurality of other financial institution servers 4 via a communication network 2 so as to be able to communicate with each other.

The configuration of the communication network 2 is not particularly limited, and in addition to the Internet, for example, an intranet, an extranet, a LAN (Local Area Network), a CATV (Community Antenna TeleVision) communication network, a virtual private network, Telephone network, mobile communication network, satellite communication network, etc. are assumed.
Further, various examples are assumed for the transmission media constituting all or a part of the communication network 2. For example, IEEE (Institute of Electrical and Electronics Engineers) 1394, USB (Universal Serial Bus), power line carrier, telephone line, etc., infrared rays such as IrDA (Infrared Data Association), Bluetooth (registered trademark), 802.11 wireless It can also be used wirelessly, such as mobile phone networks, satellite lines, and terrestrial digital networks.

The intermediary terminal 3 is an information processing device used by the intermediary. The intermediary terminal 3 accepts, for example, an operation for purchasing or selling a financial product sold by the financial business operator A based on a customer's request, and makes a purchase request or sale to the transaction server of the financial business operator A. Performs processing such as sending a request.

The number of intermediary terminals 3 is, for example, more than the number of intermediaries.
In the example shown in FIG. 1, one intermediary (not meaning one operator) is associated with one intermediary terminal 3, and a customer or an introducer is associated with one intermediary. Has been done. The customer is a person who requests an intermediary to buy or sell a product sold by the financial business operator A. The introducer may have one side as a customer.

The introducer is a person who introduces his / her acquaintance or related person to the intermediary, and the introduced acquaintance or the like is associated with the introducer as a customer.
The number of customers associated with the introducer may be one or more.

The other financial institution server 4 is a server managed by the financial institution X as a financial institution different from the financial institution A. For example, the other financial institution server 4X is a server managed by the financial institution X, and includes a user DB 5X for managing information of a user who has a transaction with the financial institution X. Further, the other financial institution server 4Y is a server managed by the financial institution Y as a financial business operator, and includes a user DB 5Y for managing information of a user who has a transaction with the financial institution Y.
In this embodiment, the financial institution X and the financial institution Y are engaged in banking business.

The introducer who introduced the customer to the intermediary owns (opens) an account managed by the bank management system operated by financial institution X or financial institution Y, and the management server 10 is the financial institution owned by the introducer. The referral fee is paid through the X and Y accounts.

Although not shown in FIG. 1, there may be a customer with whom the financial business operator A directly makes a transaction.
Further, the customer terminal used by the customer is connected to the communication network, and the customer may buy and sell financial products by communicating with the transaction server 11 managed by the financial business operator A via the customer terminal.

<2. Computer device hardware configuration>
The hardware configurations of the servers (management server 10 and transaction server 11), the intermediary terminal 3, the other financial institution server 4, and various DBs (Database) that make up the financial company server 1 will be described with reference to FIG. ..
The CPU (Central Processing Unit) 101 of the computer device executes various processes according to the program stored in the ROM (Read Only Memory) 102 or the program loaded from the storage unit 108 into the RAM (Random Access Memory) 103. .. The RAM 103 also appropriately stores data and the like necessary for the CPU 101 to execute various processes.
The CPU 101, ROM 102, and RAM 103 are connected to each other via the bus 104. An input / output interface 105 is also connected to the bus 104.
An input unit 106, an output unit 107, a storage unit 108, and a communication unit 109 are connected to the input / output interface 105.
The input unit 106 is composed of a keyboard, a mouse, a touch panel, and the like.
The output unit 107 is composed of a display including an LCD (Liquid Crystal Display), a CRT (Cathode Ray Tube), an organic EL (Electroluminescence) panel, and a speaker.
The storage unit 108 is composed of an HDD (Hard Disk Drive), a flash memory device, or the like.
The communication unit 109 performs communication processing and inter-device communication via the communication network 2.
A media drive 110 is also connected to the input / output interface 105 as needed, and a removable media 111 such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory is appropriately mounted to write information to the removable media 111. Reading is performed.

In such a computer device, data and programs are uploaded and downloaded by communication by the communication unit 109. In addition, data and programs can be transferred via the removable media 111.
When the CPU 101 performs processing operations based on various programs, it can be used as each server (management server 10 and transaction server 11) constituting the financial business server 1, an intermediary terminal 3, another financial institution server 4, and various DBs. The necessary information processing and communication is executed.
Each server (management server 10 and transaction server 11) constituting the financial business server 1, an intermediary terminal 3, another financial institution server 4, and an information processing device constituting various DBs are computers as shown in FIG. The device is not limited to a single device, and a plurality of computer devices may be systematized and configured. The plurality of computer devices may be systematized by a LAN or the like, or may be arranged in a remote place by a VPN or the like using the Internet or the like. The plurality of information processing devices may include an information processing device as a server group (cloud) that can be used by a cloud computing service.

<3. Management server function configuration>
FIG. 3 shows the functional configuration of the management server 10 composed of one or a plurality of information processing devices and various DBs.
Each function of the management server 10 is a function realized by a process executed by the CPU 101 according to a program in the information processing apparatus. However, the processing of all or part of each configuration described below may be realized by hardware.
Further, when each function is realized by software, it is not necessary for each function to be realized by an independent program. The processing of a plurality of functions may be executed by one program, or one function may be realized by the cooperation of a plurality of program modules.

The management server 10 includes an information management unit 10a, a determination unit 10b, a calculation unit 10c, an appropriateness determination unit 10d, and a remittance processing unit 10e.

The information management unit 10a manages the information of the intermediary, the introducer, and the customer. Therefore, information acquisition processing, storage processing, and the like are performed on the customer DB 51, the intermediary DB 52, and the introducer DB 53. Details of each DB will be described later.

The determination unit 10b determines whether or not there is an introducer for the customer. Therefore, the determination unit 10b acquires information about the contract from the customer DB 51 and the referral contract DB 55.

The calculation unit 10c calculates the transaction fee received by the financial company A based on the transaction amount (transaction amount) of the financial product performed by the customer, and calculates various expenses paid by the financial company A based on the transaction fee. The calculation base amount, which is the basis for the calculation, is calculated, and the compensation amount to be paid to the intermediary and the referral fee to be paid to the introducer are calculated based on the calculation base amount.
The transaction fee may be calculated by another information processing device such as a transaction server.

The appropriateness determination unit 10d performs appropriateness determination processing for the intermediary and the introducer. The appropriateness determination process is a process of determining whether an intermediary or an introducer recommends an unfair transaction to a customer from transaction attribute information such as fluctuations in the transaction amount or transaction record information.

The remittance processing unit 10e executes a process of paying an intermediary fee to an intermediary and a process of paying a referral fee to an introducer. For example, the calculated referral fee is transferred to the referrer's account managed by another financial institution X. The referral fee paid to the introducer here may be remitted as the one to be paid by the financial company A, or the remittance may be made by the financial company A on behalf of the place where the intermediary should originally pay. You may.

<4. Various databases>
As described above, the management server 10 can use the customer DB 51, the intermediary DB 52, the introducer DB 53, the transaction history DB 54, the referral contract DB 55, and the payment record DB 56.
Each DB will be described with reference to the attached drawings as appropriate.

<4-1. Customer DB>
FIG. 4 shows an example of the information stored in the customer DB 51.
The customer DB 51 stores information on customers who buy and sell financial products provided by the financial business operator A.

In the customer DB 51, for example, personal information (attribute information) such as contact information such as name, age, gender, annual income, address, and e-mail address is provided for a customer ID (Identification) that can identify one customer. It is linked and memorized. In addition, the login ID and login password for using the service provided by the financial business operator A, the intermediary ID for identifying the intermediary that mediates the transaction, and whether or not the introducer is linked. Flag information and an introducer ID for identifying an introducer are also stored.

Further, in the present embodiment, information such as an account opened by the customer is associated with the customer ID as account information. The account information is, for example, information for identifying an account in which a withdrawal process is performed based on the purchase amount when a customer purchases a financial product.

In addition, the registration date registered in the customer DB 51 and the like are associated and stored in the customer DB 51.
Further, the customer DB 51 stores information such as the balance of assets under custody indicating the amount of assets that the customer has deposited with the financial business operator A.

<4-2. Broker DB>
An example of the information stored in the intermediary DB 52 is shown in FIG.
The intermediary DB 52 stores information on the intermediary that mediates the buying and selling of financial products handled by the financial business operator A.

In the intermediary DB 52, for example, for an intermediary ID that can uniquely identify the intermediary, information such as the intermediary name, address, contact information, and a login ID and login password used when conducting a transaction are provided. Information such as the number of customers held by the intermediary, the number of introducers who have signed a customer referral contract, the registration date registered in the intermediary DB 52, and the intermediary suitability flag is stored in association with the information.

The intermediary appropriateness flag is a flag indicating whether or not the intermediary is sufficient to carry out the intermediary business, and is determined from the transaction history of the customer held by the intermediary. For example, it is determined and memorized whether or not it is appropriate as an intermediary when an act of generating a transaction fee by repeating buying and selling unnecessarily many times or an act of suddenly performing a high-value transaction occurs. NS. In addition, the appropriateness may be determined based on an interview survey from the customer, a report from the customer, and the like.

<4-3. Introducer DB>
FIG. 6 shows an example of the information stored in the introducer DB 53.
The introducer DB 53 stores information about the introducer who introduced the customer to the intermediary.

In the introducer DB 53, for example, for the introducer ID that can uniquely identify the introducer, the introducer name, address, contact information, and the referral destination intermediary ID that specifies the intermediary who has concluded the contract to introduce the customer. , The number of referral customers indicating the number of introduced customers, the number of customers subject to the referral fee indicating the number of customers who can receive the referral fee, the registration date registered in the introducer DB53, the referral appropriateness flag, and other information are stored in association with each other.

In the present embodiment, the referral fee can be received for a specific period after the customer is referred to the intermediary. For example, a referral fee will be charged for 60 months (5 years) from the month to which the referral date belongs. The number of customers subject to the referral fee indicates the number of customers referred to the intermediary who have not passed 60 months since the referral.

The referral appropriateness flag is a flag indicating whether or not the introducer is appropriate as an introducer, and is determined from the transaction history of the customer introduced by the introducer. For example, when the introduced customer repeats buying and selling frequently, or when a high-priced transaction that does not match the annual income is performed, the judgment process is performed and information indicating appropriateness or improperness is stored as the judgment result. ..

In addition, when the customer is behaving abnormally, there are various ways to determine whether it is a customer-specific problem, an introducer's problem, or an intermediary's problem. Conceivable.
As an example, if only the customer is behaving abnormally, it is determined as a customer-specific problem. However, since it is a fact that such an action could not be stopped, the intermediary may be set with a "confirmation required flag" weaker than the "inappropriate flag".

In addition, when a customer introduced by a certain introducer includes a plurality of customers who are behaving abnormally, there may be a case where the introducer is inappropriate and a case where the intermediary is inappropriate.
For example, if a situation occurs only in a customer introduced by a specific introducer among a plurality of introducers with whom an intermediary has a referral contract, an "inappropriate flag" is given to the introducer. In addition, if the situation occurs evenly among the customers held by the intermediary regardless of the introducer with whom the intermediary has signed a referral contract, an "inappropriate flag" is given to the intermediary.

For example, in this way, the referral appropriateness flag of the introducer DB53 and the intermediary appropriateness flag of the previous intermediary DB52 are updated, respectively.

<4-4. Transaction history DB>
FIG. 7 shows an example of the information stored in the transaction history DB 54.
Information for each transaction performed by the customer is stored in the transaction history DB 54. That is, the transaction record information for each customer is stored.

In the transaction history DB 54, for example, the date and time when the transaction was made with respect to the transaction ID given for each transaction, the customer ID indicating the customer who made the transaction, the ID of the intermediary who brokered the transaction, and the traded product are stored in the transaction history DB 54. Information (product ID, etc.), transaction amount (or transaction volume), etc. are linked and stored.

In addition to this, for example, the ID of the introducer who introduced the customer to the intermediary may be associated and stored.
Further, the transaction date and time information may be omitted by assuming that the transaction ID is associated with the transaction date and time.

<4-5. Referral contract DB>
FIG. 8 shows an example of the information stored in the referral contract DB 55.
The referral contract DB 55 stores contract information about the customer referral concluded between the referrer and the intermediary, and referral record information each time the introducer introduces the customer to the intermediary based on the contract.

In the referral contract DB 55, for example, the contract ID, the referrer ID, the intermediary ID, the customer ID, the operation start date indicating the date when the payment of the referral fee is started, and the operation end schedule indicating the scheduled end date of the payment of the referral fee are scheduled. The date, the operation end date indicating the date when the payment of the referral fee is actually completed, the referral fee upper limit rate for defining the upper limit of the referral fee to be paid, etc. are linked and stored.

The referral fee upper limit rate is set as, for example, a ratio to the calculated base amount that is the base for calculating the expenses paid by the financial business operator A.
Specifically, 60% of the customer's transaction fee in the target month is the calculated base amount on which payment is based. The calculated base amount is the sum of the brokerage fee and the referral fee, and is the sum of the amounts paid by the financial business operator A to the broker and the referral.

The upper limit of the referral fee is the maximum ratio of the referral fee to the calculated base amount, for example, 50%. For example, when the referral fee is the maximum amount, assuming that the transaction fee of the customer is 100%, 40% goes to the financial company A, 30% goes to the intermediary, and 30% goes to the referrer. ..

For example, a new record is generated in the referral contract DB 55 when a customer referral contract is concluded between the referrer and the intermediary. The contract ID, the introducer ID, and the intermediary ID are stored in the record. Information on the customer ID, operation start date, operation end date, and operation end date is stored without data. Information on the referral fee upper limit rate may be stored at this point if it is uniformly determined between the intermediary and the referrer regardless of the referral customer.

In addition, when the introducer introduces a new customer to the intermediary based on the customer introduction contract, a new record for storing the introduction record information is generated in the introduction contract DB 55. In the record, each information of contract ID, introducer ID, intermediary ID, customer ID, operation start date, and operation end date is stored. The operation start date may be the date of introduction or the date when the introduced customer actually made a transaction for the product sold by the financial business operator A. As for the operation end date, there is no data because the referral fee has not been paid yet. The referral fee upper limit rate is stored when it is variable for each customer.

<4-6. Payment record DB>
FIG. 9 shows an example of the information stored in the payment record DB 56. The payment record DB 56 stores the history information of the remuneration paid by the financial business operator A to the intermediary or the introducer. Note that FIG. 9 is an excerpt of the information stored in the payment record DB 56 so that the information about a certain customer can be easily seen.

In the payment record DB 56, for example, the target year and month, the transaction amount of a certain customer in the target month, the transaction fee charged according to the transaction amount, for example, the calculated base amount set as a predetermined ratio to the transaction fee, and the calculated base amount. The brokerage fee paid to the broker from the inside, the referral fee paid to the introducer from the calculated base amount, etc. are linked and stored.
In addition to this, the payment record DB 56 may store information indicating how many months the referral fee is.

It should be noted that each of these DBs described above may be realized in any form as long as each information processing device constituting the management server 10 is accessible as needed. For example, all of each DB may be formed in a storage unit in the same system as the management server 10, or a part or all of each DB may be provided in a separate computer system such as a remote location. Of course, it is not necessary for each DB to be formed in one device (for example, one HDD or the like). Further, it is not necessary for each of the DBs to be configured as one DB. For example, the information stored in the referral contract DB 55 is a plurality of DBs (for example, the referral contract DB in which the information of the referral contract concluded between the intermediary and the introducer is stored and the history information in which the introducer actually introduced the customer. May be stored and managed by a referral history DB or the like in which the information is stored. Each of the above-mentioned DBs merely illustrates a storage unit of information related to the processing of the embodiment in the form of one DB.

<5. Each process>
The processing executed by the financial business server 1 and each information processing device will be described.

<5-1. First example of referral contract registration process>
The referral contract registration process is a process executed by the financial business server 1 when a contract for introducing a customer is concluded between the intermediary and the referrer. This process is executed by, for example, the management server 10.

After the documents indicating that the contract has been concluded are prepared, the referral contract registration operation is executed by the financial business operator A. In response to this, the management server 10 performs a process of associating the introducer with the intermediary based on the contract.
In this example and each of the examples shown below, the introducer cannot conclude a referral contract with a plurality of intermediaries. Therefore, in the registration process of a new referral contract, a process of registering an introducer (that is, a new introducer) who is not affiliated with the referral contract and associating it with an intermediary is basically performed. That is, the management server 10 performs a process of registering a new introducer in the introducer DB 53 and a process of registering information about the new contract in the referral contract DB 55.

FIG. 10 shows a first example of the referral contract registration process executed by the management server 10.
In step S101, the management server 10 presents a screen (dialog box, etc.) for inputting the introducer information. As a result, for example, the introducer information input screen SC1 as shown in FIG. 11 is presented on the screen of the management server 10.

As shown in FIG. 11, on the introducer information input screen SC1, the name of the introducer and the information of the introducer (address, contact information, etc.) can be input. Further, as the introducer ID, a newly secured ID may be automatically displayed, or the introducer ID may be input by the operator.

When the operator finishes the input and clicks the "Next" button, the management server 10 acquires the introducer information in the process of step S102 of FIG. 10, and confirms whether the input information is insufficient in the subsequent process of step S103. ..

If the input information is insufficient, the management server 10 returns to the process of step S101 and prompts the input again. In this case, the management server 10 may present the operator to suggest that there is a shortage of input items, or may suggest to the operator that there is a shortage of input items.

If it is determined that there is no shortage of input information, the management server 10 determines in step S104 whether or not the input introducer has already been registered.
If it has not been registered, that is, if it is a new introducer, the management server 10 performs a process of registering the introducer in the introducer DB 53 in step S105.

Subsequently, in step S106, the management server 10 presents a screen for searching for an intermediary. As a result, for example, the intermediary search screen SC2 as shown in FIG. 12 is presented on the screen of the management server 10.

On the intermediary search screen SC2, the ID of the intermediary and the name of the intermediary can be input. That is, the operator can search by the intermediary ID or by the intermediary name.

On the intermediary search screen SC2, a search button for causing the management server 10 to execute the search, and a cancel button for canceling the search and returning to the introducer information input screen (or canceling the introduction contract registration operation) are input. There is a clear button to delete the character string in the column.
When the cancel button is pressed, the process returns to step S101, or a series of processes shown in FIG. 10 is terminated. If the process of newly storing the introducer in the introducer DB 53 is executed in step S105, the process of deleting the new introducer information registered in the introducer DB 53 may be executed.

When the search button is pressed by the operator, the management server 10 searches for an intermediary in step S107 of FIG. 10 and presents the result. As a result, for example, the intermediary search result screen SC3 shown in FIG. 13 is presented on the screen of the management server 10.

On the intermediary search result screen SC3, a selection button for selecting an arbitrary intermediary, a search condition re-entry button for re-entering the search condition, and a cancel button are arranged.
When the search condition re-input button is pressed, the management server 10 displays the intermediary search screen SC2 on the screen by executing the process of step S106 again.

When the cancel button is pressed, the process returns to step S101, or a series of processes shown in FIG. 10 is terminated. In that case, a process of deleting new introducer information recorded in the introducer DB 53 may be executed.

When the selection button is pressed, the management server 10 executes the selection operation acceptance process in step S108 of FIG. 10, and executes the introduction contract DB update process in step S109. In the referral contract DB update process, information about the referral contract concluded between the input introducer and the selected intermediary is stored in the referral contract DB 55.

Information on the referral fee upper limit rate may be stored in the referral contract DB 55 by having the operator input the referral fee upper limit rate before executing the DB update process in step S109.

If it is determined in step S104 that the introducer is already registered, the management server 10 determines in step S110 whether or not the referral contract between the introducer and any of the intermediaries has already been registered. .. As described above, since the introducer can conclude a referral contract with only one of the intermediaries, it is determined here whether or not the referral contract has already been registered.

When the referral contract is not registered, that is, when the referrer is a free referrer, the management server 10 executes each process of steps S106 to S109 to update the referral contract DB 55.

If the referral contract has already been registered, the management server 10 causes the management server 10 to select whether or not to discard the existing referral contract and create (register) a new contract in step S111, and branch processing according to the selection. I do.

When the operator chooses to create a new contract, the management server 10 executes each process of steps S106 to S109 to update the referral contract DB 55.
On the other hand, if the operator chooses not to create a new contract, the management server 10 ends the series of processes shown in FIG. In this case, the already registered referral contract will be maintained.

<5-2. Second example of referral contract registration process>
A second example of the referral contract registration process will be described with reference to FIG. In the second example, processing is performed based on whether or not the introducer is appropriate.
The same processing as in the first example shown in FIG. 10 is designated by the same reference numerals and the description thereof will be omitted as appropriate.

By executing each process of steps S101 to S104, the management server 10 acquires the input introducer information and determines whether or not the introducer is a registered introducer.

If the introducer is a registered referrer, the management server 10 determines in step S109 whether or not the referral contract has been registered. When it is determined that the introducer is a registered introducer, the management server 10 confirms whether the referral appropriateness flag set for the target introducer in step S120 is appropriate or inappropriate.

If the referral appropriateness flag is appropriate, the management server 10 proceeds to the process of step S110. That is, the operator is made to select whether or not to delete the existing contract information and register new contract information, and the process according to the selection is executed.

On the other hand, if the referral suitability flag is improper, the management server 10 executes a process of notifying the operator that the referral contract cannot be registered in step S121. As a result, for example, a dialog box for notification is displayed on the screen of the management server 10. In addition, you may also notify that the contract could not be registered because the introducer was not appropriate.

Although the example in which the information of the referral contract DB 55 is not updated when the referral appropriateness flag is inappropriate is shown, other methods may be used.
For example, even if the referral appropriateness flag is inappropriate, the referral contract DB55 is updated by executing each process from step S106 to step S109, and the referral is introduced to the introducer based on the newly registered referral contract information. A process of setting the payability flag to "impossible" may be executed so that the fee is not paid. As a result, when the introducer flag changes from inappropriate to appropriate, the referral fee can be paid to the introducer simply by changing the payability flag from "impossible" to "acceptable", reducing the processing burden. Can be planned.

If it is determined in the process of step S104 that the introducer is not a registered introducer, that is, a new introducer, the management server 10 updates the introducer DB 53 in step S109, and then executes the processes of steps S106 to S108. As a result, the management server 10 receives the selection information of the intermediary who plans to conclude a referral contract with the referrer.

Subsequently, in step S122, the management server 10 performs branch processing based on the intermediary suitability flag of the selected intermediary. That is, when the mediation appropriateness flag is appropriate, the management server 10 updates the referral contract DB in step S109.

On the other hand, if it is determined that the mediation appropriateness flag is inappropriate, the management server 10 executes a process of notifying the operator that the introduction contract cannot be registered in step S123. In addition, the contract may not be registered due to improper intermediary.

<5-3. Referral record registration process>
The referral record registration process is a process executed by the management server 10 when a customer is introduced to an intermediary by an introducer. For example, it is a process of acquiring information about an introduction from a customer terminal or an introducer terminal used by a customer, or an intermediary terminal 3, and registering it as an introduction record of an introducer.

In step S151, the management server 10 presents a customer information input screen for inputting customer information. The customer information input screen is provided with input fields for each information to be recorded in the customer DB 51, such as the customer's name and age. The customer information input screen is displayed on the screen of the customer terminal, the introducer terminal, or the intermediary terminal 3.

The management server 10 acquires customer information in step S152. This process is executed by pressing the send button or the like arranged on the customer information input screen. If the input information is insufficient or inappropriate, the process of step S151 is executed again. At this time, correct input may be prompted by displaying insufficient information or inappropriate information.

In step S153, the management server 10 determines whether or not the acquired customer information has already been registered. If registered, the management server 10 executes the registration error process in step S154 and ends the referral record registration process shown in FIG. In the registration error processing, a process is performed to notify the terminal (hereinafter referred to as "operation terminal") for which the customer information has been input that the registration cannot be performed because the terminal has already been registered.

If the customer information is not registered, the management server 10 executes a process of registering the customer information in step S155. This process is a process of storing the input customer information in the customer DB 51.

In step S156, the management server 10 presents a screen for inputting information for identifying the introducer to the operation terminal. This makes it possible to input the introducer specific information on the operation terminal. The introducer specific information may be the introducer ID or the name of the introducer. Further, the information is not limited to this, and any information that can identify the introducer may be used.

The management server 10 acquires the introducer identification information in step S157, and determines the presence or absence of the corresponding introducer in the subsequent step S158.
If there is no corresponding introducer, the management server 10 executes a process of notifying the operation terminal that there is no corresponding person in step S159, and ends the introduction record registration process of FIG. That is, only the registration of customer information is executed, and the linking process with the introducer is not executed.

When it is determined that the corresponding introducer exists, the management server 10 performs a process of associating the information of the corresponding introducer with the customer. Specifically, first, the management server 10 determines in step S160 whether or not the introduction appropriateness flag of the corresponding introducer is appropriate. For example, the determination is made by acquiring the flag information from the introducer DB 53.

When it is determined that the referral appropriateness flag is appropriate, the management server 10 updates each DB 51 in step S161.
As a result, for example, the introducer presence / absence flag and the introducer ID of the customer DB 51 are recorded. In addition, the information on the number of referral customers and the information on the number of customers subject to the referral fee in the referrer DB 53 are updated. Further, a new record is created in the referral contract DB 55, and information on the new customer registered in step S155 and the corresponding introducer is stored.

On the other hand, if the referral appropriateness flag of the corresponding introducer is inappropriate, the management server 10 executes the improper referral notification process in step S162. As a result, it is notified that the introducer is inappropriate on the screen of the operation terminal or the like.

In particular, when improper referrer notification processing is performed on the customer terminal, by providing the proper information of the referrer to the customer, the customer will not receive any further advice from the referrer. It is possible to call attention and protect customers.

It is also possible to present the introducer search screen instead of the process of step S156 and present the search result based on the designated search condition. However, by not presenting the search result as shown in FIG. 15, it is possible to avoid unnecessary presentation of information to the customer and the like, and it is possible to prevent leakage of personal information.

<5-4. First example of payment processing>
The payment process is a process executed by the management server 10 in order to pay the intermediary fee and the referral fee for each unit period to the intermediary and the introducer. The unit period is, for example, one month. That is, the payment process is executed at a predetermined date and time every month.

A first example of payment processing will be described with reference to FIGS. 16 and 17.
In step S201, the management server 10 selects one intermediary that mediates the financial products sold by the financial business operator A. The intermediary selected here is referred to as the "target intermediary".

In step S202, the management server 10 determines whether or not the intermediary suitability flag of the target intermediary is appropriate.
When the mediation suitability flag is inappropriate (S202: No), the management server 10 proceeds to the process of step S216 described later, and determines whether or not there is an unprocessed broker.

When it is determined that the intermediary suitability flag is appropriate (S202: Yes), the management server 10 selects one of the customers in charge of the target intermediary in step S203. Hereinafter, the customer selected here will be referred to as a “target customer”.

In step S204, the management server 10 calculates the total transaction amount of the target customer in the target period. The target period is a period that is the basis for calculating the referral fee and the brokerage fee, and is, for example, one month as a unit period.
Specifically, when calculating the referral fee and the brokerage fee for June 2019, the total amount of transactions performed by the target customer in June 2019 is calculated by executing the process of step S204.

The management server 10 calculates the transaction fee in step S205. The transaction fee is derived, for example, based on the total transaction amount calculated in step S204. For example, it is the amount obtained by multiplying the total transaction amount by a predetermined ratio (for example, 2%). The transaction fee may be constant regardless of the transaction, or may be different for each transaction.

The management server 10 calculates the calculation base amount in step S206. The calculated base amount is the amount obtained by multiplying the transaction fee calculated in step S205 by a predetermined ratio. The calculated base amount is, for example, the total amount of the remuneration amount paid to the intermediary and the referral fee paid to the introducer.

In step S207, the management server 10 acquires the introducer presence / absence flag regarding the target customer from the customer DB 51.
In step S208, the management server 10 performs branch processing based on the introducer presence / absence flag of the target customer. If there is an introducer for the target customer, the introducer is referred to as the "target introducer".

Only when there is an introducer, each process of the next steps S209 to S211 is executed. If there is no introducer, the process proceeds to step S212 without executing each process from step S209 to step S211.

In step S209, the management server 10 determines whether or not it is the period during which the referral fee for the target customer is paid. The payment period is, for example, 5 years after the introduction, and the determination is made based on whether or not the target period is included in the operation period in the introduction contract DB55. If it is included in the payment period (S209: Yes), the management server 10 performs branch processing based on the introduction appropriateness flag of the target introducer in step S210.

If the payment period has passed (S209: No), or if the referral appropriateness flag of the target introducer is inappropriate (S210: No), the management server 10 does not execute the process of step S211 and takes step S212. Proceed to the processing of.

If it is included in the payment period (S209: Yes) and the referral appropriateness flag of the target introducer is appropriate (S210: Yes), the management server 10 calculates the provisional referral fee in step S211. The provisional referral fee calculated in step S211 may be changed to an appropriate referral fee by a process described later, or the provisional referral fee may be set as it is as the final referral fee.

The provisional referral fee is based on transaction attribute information such as the total transaction amount and the balance of assets under custody of the target customer, the type of financial product and the number of financial products with which the transaction was made, or the type of financial product and the number of financial products held. Calculated as appropriate. A plurality of provisional referral fee calculation formulas are prepared according to the transaction attribute information, and the provisional referral fee is calculated according to the transaction attribute information of the target customer.

The management server 10 calculates the temporary intermediary fee in step S212. The provisional intermediary fee calculated in step S212 may be changed to an appropriate intermediary fee by the processing described later, or the provisional intermediary fee may be set as it is as the final intermediary fee.

As for the provisional brokerage fee, as with the provisional referral fee, the transaction attribute information of the target customer (total transaction amount, balance of assets under custody, type of financial product and number of financial products traded, type of financial product and number of financial products held) Etc.) as appropriate. A plurality of temporary brokerage fee calculation formulas are prepared according to the transaction attribute information, and the temporary brokerage fee is calculated according to the transaction attribute information of the target customer.

In step S213, the management server 10 determines whether or not the provisional referral fee and the provisional brokerage fee are appropriate. For example, when the sum of the provisional referral fee and the provisional brokerage fee exceeds the calculated base amount, or when the upper limit of the ratio of the referral fee to the brokerage fee (for example, the referral fee is equal to or less than the brokerage fee). Judgment is made based on each judgment formula, such as whether the provisional referral fee has not been reached.

If it is determined that the provisional referral fee or provisional brokerage fee is not appropriate, the management server 10 executes the adjustment process in step S214. In the adjustment process, the provisional referral fee and the upper limit are compared and the lower one is determined as the final referral fee, or the provisional brokerage fee and the upper limit are compared and the lower one is the final brokerage fee. The process of determining as is executed.
If the previous step S211 is not executed, there is no provisional referral fee.

If it is determined that the provisional referral fee and provisional brokerage fee are appropriate, they will be determined as the official referral fee and brokerage fee, respectively.

In step S215, the management server 10 determines whether or not there is an unprocessed customer in charge. When there is an unprocessed responsible customer, the management server 10 returns to the process of step S203 and selects one of the unprocessed responsible customers as the target customer.

If there is no unprocessed customer in charge, the calculation of the brokerage fee for the target broker and the brokerage fee and the referral fee for the introducer who has a referral contract with the target broker is completed.
That is, the management server 10 determines in step S216 whether or not there is an unprocessed intermediary in order to calculate the intermediary fee or the like for the next intermediary.

If there is an unprocessed intermediary, the management server 10 returns to the process of step S201 and selects one of the unprocessed intermediaries as the target intermediary.

On the other hand, if there is no unprocessed intermediary, the calculation of the intermediary fee and the calculation of the referral fee for the target period are all completed.
In this case, the management server 10 executes the remittance process in step S217.

An example of the remittance process is shown in FIG.
In the remittance process, remittances are sent to the holding account for each intermediary and each introducer.

In step S301, the management server 10 determines the presence or absence of an unprocessed intermediary.
If there is no unprocessed intermediary, the process proceeds to step S306 described later to start the remittance process for the introducer.

When there is an unprocessed intermediary, the management server 10 selects one unprocessed intermediary in step S302, and confirms the intermediary suitability flag of the intermediary in step S303.

If the mediation suitability flag is improper, the management server 10 returns to the process of step S301 again.
If the intermediary suitability flag is appropriate, the management server 10 executes a process of adding up the intermediary fees paid to the intermediary in step S304. By this process, the individual brokerage fees calculated for each customer are added up.

The management server 10 remits the brokerage fee in step S305. As a result, the brokerage fee is transferred to the account owned by the broker.
The management server 10 that has completed step S305 re-executes the process of step S301. As a result, the remittance processing for each intermediary is sequentially executed.

The management server 10 that has completed the remittance processing of the intermediary fee for each intermediary company confirms in step S306 whether or not there is an unprocessed introducer.
If there are no unprocessed introducers, the remittance process shown in FIG. 18 ends.

When there is an unprocessed introducer, the management server 10 selects one unprocessed introducer in step S307, and confirms the referral appropriateness flag of the introducer in step S308.

If the referral suitability flag is improper, the management server 10 returns to the process of step S306 again and proceeds with the process for the next referrer.
When the referral appropriateness flag is appropriate, the management server 10 performs the summation process of the referral fee in step S309. By this process, the individual referral fees calculated for each referral customer are added up.

The management server 10 performs the remittance process of the referral fee in step S310. As a result, the referral fee is transferred to the account owned by the referrer.
In the remittance process shown in FIG. 18, the process of storing the paid intermediary fee and referral fee in the payment record DB 56 is executed at any timing. For example, each time the processes of steps S305 and S310 are executed, the storage process in the payment record DB 56 is executed.

After executing the payment process, the management server 10 executes the alert process in step S218 of FIG.
The alert process is a process of notifying the operator of an intermediary or an introducer determined to be inappropriate. For example, it may be listed on the screen.
The intermediary or introducer notified to the operator by the alert processing may be investigated by the operator at a later date.

<5-5. Second example of payment processing>
In the second example of payment processing, the appropriateness of the intermediary and the introducer is determined together with the payment processing. Specifically, it will be described with reference to FIGS. 19 and 20.
The same processes as those shown in FIGS. 16 and 17 are designated by the same reference numerals, and the description thereof will be omitted as appropriate.

The management server 10 selects one intermediary in step S201, and selects the customer in charge (hereinafter, the target customer) in charge of the target intermediary in step S203.
In the first example, the branching process based on the appropriateness flag was performed for the intermediary before step S203, but in this example, the appropriateness determination based on the intermediary fee is determined after the intermediary fee for the target period is calculated. Is performed again, so no judgment is made at this point.

The management server 10 calculates the calculation base amount for the target customer by executing each of the processes of steps S204 to S206.

The management server 10 calculates a provisional value of the referral fee to be paid to the referrer of the target customer by executing each of the processes of steps S207, S208, S209, and S211. If there is no introducer or the payment period has expired, the process of step S211 is not executed.

In the first example, the introducer information is acquired and the appropriateness of the introducer is determined after the process of step S209, but in this example, it is not executed at this point because it is performed by the process described later.

The management server 10 calculates a temporary brokerage fee in step S212.
By executing each of the processes of steps S213 and S214, the management server 10 determines an appropriate referral fee and an appropriate intermediary fee based on the provisional referral fee and the provisional intermediary fee.

In step S220, the management server 10 determines whether or not the referral fee is appropriate, and branches according to the determination result.
The appropriateness of the referral fee is determined, for example, by comparing the total transaction amount per unit period of the target customer up to that point with the total transaction amount this time. As a result, it is determined whether or not the customer is unreasonably recommended to make an excessive transaction.

If it is determined that the referral fee is not appropriate, the management server 10 temporarily sets the improper flag for the introducer in step S221. The reason why the improper flag setting is tentative is that it cannot be determined at this point whether the abnormal transaction of the target customer is due to the action of the introducer or the action of the intermediary.

In step S215, the management server 10 branches depending on the presence or absence of unprocessed customers in charge of the target intermediary.
If there is an unprocessed customer in charge, the process returns to the process of step S203 of FIG.

On the other hand, if there is no unprocessed customer in charge, it means that the calculation of the referral fee for the target month for the target intermediary has been completed. Here, the appropriateness determination process for the target intermediary is performed.

First, in step S222, the management server 10 performs a total processing of the remuneration amounts paid to the target intermediary.
Next, in step S223, the management server 10 determines whether or not the total remuneration amount paid to the target intermediary is appropriate.

When the total brokerage fee is appropriate, for example, there is no significant increase in the total brokerage fee this time as compared with the previous total brokerage fee for each unit period (obtained from the payment record DB 56). In such a case, the intermediary suitability flag set in the intermediary is considered to be appropriate. Instead, if any of the introducers who have a contract with the target intermediary has an introducer whose improper flag is temporarily set in step S221 above, it is highly possible that the referral suitability of the introducer is inappropriate. Therefore, change the temporary setting to this setting.

In addition, if the total brokerage fee is not appropriate, the suspicion that the referral suitability of the introducer is inappropriate will be cleared. Therefore, the management server 10 sets that the target intermediary's intermediary suitability flag is inappropriate in step S225, and releases the provisional improper flag set for the introducer in step S226 (that is, the referral suitability flag is set to be appropriate). (Change to) Perform the process.

Even if an interview survey is conducted with the customer, the introducer, and the intermediary before executing each process of step S225 and step S226, and the intermediary appropriateness flag and the introduction appropriateness flag are comprehensively set based on the investigation result. good. In that case, the execution of each of the processes of steps S204, S205 and S206 is not executed until a comprehensive determination based on the investigation result is made.

The management server 10 remits the brokerage fee and the referral fee by executing each of the processes of steps S216 and S217. Also in this example, the remittance process based on the mediation appropriateness flag and the referral appropriateness flag is executed.

The management server 10 ends the payment process by executing the process of step S219.

According to the remittance processing shown in FIGS. 19 and 20, even if the intermediary is improper, the referral fee for each referrer is calculated. As a result, it is possible to avoid a situation in which the introducer who has a contract with the intermediary cannot obtain the referral fee unreasonably due to the improper intermediary.

Although the management server 10 collectively performs the calculation of the brokerage fee and the referral fee, each appropriateness determination process, and the payment process, different information processing devices may execute each process. By performing the processing in a distributed manner, the processing load of the information processing apparatus can be reduced and the speed can be increased.

<6. Summary>
As described in each of the above examples, the information processing device (management server 10) in the present invention is an information processing device that calculates a referral fee for an introducer who has introduced a customer, and is a commercial transaction by the customer (for example, of a financial product). Referrer to each customer by referring to the information management unit 10a that acquires the information of (buying and selling) and manages the transaction record information of the customer, and the database (introduction contract DB55) that links the information of the introducer to each customer. Referral fee based on the calculated base amount according to the customer's transaction record information for a predetermined unit period (for example, one month) for the judgment unit 10b that determines the presence or absence of It is provided with a calculation unit 10c for calculating the above, and a remittance processing unit 10e for performing a process for sending the referral fee calculated by the calculation unit 10c to the corresponding introducer.
The introducer information includes a flag indicating the presence or absence of an introducer, identification information of the introducer, and the like, and is stored in the customer DB 51. The predetermined unit period is a reference period for calculating each remuneration, and is, for example, one month. The calculation base amount based on the customer's transaction performance is calculated based on the amount paid by the customer to the financial company A in the unit period as a stock transaction fee, a fixed fee for an investment trust, or the like.
By linking and storing the referrer presence / absence flag and the introducer ID as customer information, the presence / absence of the introducer is automatically checked, and if there is an introducer, the referral fee is automatically calculated. However, the processing efficiency of the payment service can be improved.
By managing transaction performance information for each customer and calculating the referral fee using a calculation base based on transaction performance managed in a predetermined unit period such as monthly, it is appropriate that it is neither excessive nor understated. The referral fee for the amount is automatically calculated, the service quality of the entire system can be improved, and the calculation is simple and the calculation processing burden is not excessive. Therefore, even as an information processing device in a financial service system having a large number of customers, there is an advantage that the processing load can be prevented from becoming excessive.
Since not all customers have referrals, calculating referral fees is a special process for customers with referrals. When there are a large number of customers, determining whether or not there is an introducer for each customer is a troublesome process. By making it possible to refer to the information of the introducer for each customer in the database, it is possible to efficiently determine the presence or absence of the introducer and calculate the introduction fee according to the series of arithmetic processes. Therefore, in this respect as well, it is possible to contribute to reducing the processing load of the information processing apparatus in the financial service system having a large number of customers.

As explained in the first example of payment processing, the database is linked to each customer with the customer's transaction attribute information (information on the balance of assets under custody stored in the customer DB 51 and each information stored in the transaction history DB 54). The calculation unit 10c may calculate the referral fee based on the calculation base amount by using the calculation formula according to the transaction attribute of the customer.
The transaction attribute information is, for example, information such as the balance of assets under custody, transaction volume, number of transactions, financial product type, and number of financial products.
By changing the calculation formula according to the customer's transaction attribute information, it is possible to automatically realize adjustments that do not result in an unnecessarily high referral fee with a simple process.
It is possible to automatically set the referral fee so that the referrer does not have the motivation to recommend an unreasonable transaction when he / she wants the referral fee. That is, it is easy to make it difficult for wealthy customers to recommend unnecessary transactions.

As explained in the first and second examples of payment processing, the database (introduction contract DB55) is associated with the information of the intermediary for each customer, and the calculation unit 10c uses the calculation base amount as the calculation base amount. Based on this, the remuneration amount to be paid to the intermediary (intermediary fee) and the referral fee to be paid to the introducer are calculated, and the remittance processing unit 10e is a process for remittance of the referral fee calculated by the calculation unit 10c to the corresponding introducer. And the process for remittance of the remuneration amount calculated by the calculation unit 10c to the corresponding intermediary may be performed.
The information processing device (management server 10) collectively remits the reward to the intermediary and the remittance of the referral fee to the introducer. As a result, smooth money transfer is realized as a whole.

As explained in the first and second examples of payment processing, the calculation unit 10c calculates so that the referral fee paid to the introducer does not exceed the upper limit determined based on the remuneration amount paid to the intermediary. May be good.
It is possible to prevent the referral fee to the referrer from becoming excessive with respect to the reward to the intermediary, and to prevent the referrer from causing unnecessary mediation to the customer.

As described in the first example and the second example of the payment process, the calculation unit 10c may calculate the referral fee for the introducer for a certain customer only within a predetermined period from the start of the calculation.
The referral fee to the referrer should be paid for a finite period so that it does not become excessive.
By performing this in the management of the referral fee calculation timing in the calculation unit 10c, the system management is facilitated.

As explained in the first and second examples of payment processing, the referral fee history information indicating the amount of the referral fee is managed in the database (payment record DB56), and the referral fee history information is used to manage the referral fee. The appropriateness determination unit 10d may be provided, which performs appropriate determination processing on the amount of money and controls alerts regarding the introducer or the intermediary according to the determination result.
For example, if a characteristic change is seen in the change history of the referral fee, an alert is notified and it is clearly indicated as a survey target to monitor inappropriate transaction placement.

As explained in the first and second examples of payment processing, the transaction history information of the customer is managed in the database (transaction history DB54), and the transaction status is properly judged using the transaction history information. , The appropriateness determination unit 10d that controls alerts regarding the introducer or the intermediary according to the determination result may be provided.
For example, when characteristic changes such as unnaturally excessive transactions are observed, alert notification is given and it is clearly indicated as an investigation target to monitor inappropriate transaction placement etc. do.

As explained in the example of the referral record registration process, in response to receiving the referrer registration request from the customer's terminal device, the referrer's appropriateness judgment process is performed, and an alert regarding the referrer is issued according to the judgment result. The appropriateness determination unit 10d that controls the output by the customer's terminal device may be provided.
For example, in the case of a blacklisted introducer, the customer can be protected by notifying the customer.

The referral fee processing method according to the present invention is a referral fee processing method of an information processing device that calculates a referral fee for an introducer who introduced a customer, acquires information on commercial transactions by the customer, and manages transaction record information of the customer. About the information management step, the judgment step that determines the presence or absence of an introducer for each customer by referring to the database that links the information of the introducer to each customer, and the customer that is determined to have an introducer in the judgment step. , A calculation step that calculates the referral fee based on the calculation base amount according to the customer's transaction record information in a predetermined period unit, and a remittance process that performs processing to transfer the referral fee calculated in the calculation step to the corresponding introducer It is a referral fee processing method to perform steps.

<7. Programs and storage media>
Although the management server 10 as the embodiment of the information processing device of the present invention has been described above, the program of the embodiment is a program that causes the information processing device (CPU or the like) to execute the processing of the management server 10.

The program of the embodiment acquires the information of the commercial transaction by the customer, and causes the information processing apparatus to execute the information management procedure for managing the transaction record information of the customer.
The information processing device is made to execute a determination procedure for determining the presence or absence of an introducer for each customer by referring to a database in which the information of the introducer is linked to each customer.
For a customer who is determined to have an introducer in the determination step, the information processing device is made to execute a calculation procedure for calculating a referral fee based on a calculation base amount according to the customer's transaction record information in a predetermined period unit.
The information processing device is made to execute a remittance processing procedure for performing a process for remittance of the referral fee calculated in the calculation step to the corresponding introducer.
That is, this program is a program that causes the management server 10 to execute each process shown in FIGS. 10 and 14 to 20.

By such a program, one or more information processing devices as the management server 10 and the financial event person server 1 described above can be realized.
Such a program can be stored in advance in an HDD as a storage medium built in a device such as a computer device, a ROM in a microcomputer having a CPU, or the like. Alternatively, it can be temporarily or permanently stored (stored) in a removable storage medium such as a semiconductor memory, a memory card, an optical disk, a magneto-optical disk, or a magnetic disk. Further, such a removable storage medium can be provided as so-called package software.
In addition to installing such a program from a removable storage medium on a personal computer or the like, it can also be downloaded from a download site via a network such as a LAN or the Internet.

1 Financial business server, 10 Management server, 10a Information management unit, 10b Judgment unit, 10c Calculation unit, 10d Appropriate judgment unit, 10e Remittance processing unit, 51 Customer DB, 54 Transaction history DB, 55 Referral contract DB, 56 Payment record DB

Claims (8)

It is an information processing device that calculates the referral fee for the referrer who introduced the customer.
The information management department, which acquires information on financial product transactions by customers and manages customer transaction performance information,
A judgment unit that determines the presence or absence of an introducer for each customer by referring to a database that links the information of the introducer to each customer.
For a customer who is determined to have an introducer by the determination unit, a calculation unit that calculates a referral fee based on a calculation base amount according to the customer's transaction performance information for a predetermined unit period, and a calculation unit.
It is equipped with a remittance processing unit that performs processing for remittance of the referral fee calculated by the calculation unit to the corresponding introducer.
In the database, transaction attribute information of a customer's financial product is associated with each customer, and information of an intermediary is associated with each customer.
The calculation unit calculates a referral fee based on the calculation base amount using a calculation formula according to the transaction attribute of the customer's financial product, and a reward amount and referral to be paid to the intermediary company based on the calculation base amount. Performs processing to calculate the referral fee to be paid to the person,
The remittance processing unit is an information processing device that performs processing for remittance of the reward amount calculated by the calculation unit to the corresponding intermediary. The calculation unit calculates so that the referral fee paid to the referrer does not exceed the upper limit determined based on the remuneration amount paid to the intermediary.
The information processing device according to claim 1. The calculation unit calculates the referral fee for a referrer for a certain customer only within a predetermined period from the start of the calculation.
The information processing device according to claim 1 or 2. In the database, referral fee history information indicating the amount of referral fee is managed.
It is equipped with an appropriate judgment unit that performs appropriate judgment processing on the amount of the referral fee using the referral fee history information and controls alerts regarding the introducer or the intermediary according to the judgment result.
The information processing device according to claim 1 or 2. The customer's transaction history information is managed in the database.
It is provided with an appropriate judgment unit that performs appropriate judgment processing on the transaction status using the transaction history information and controls alerts regarding the introducer or the intermediary according to the judgment result.
The information processing device according to any one of claims 1, 2, and 4. In response to receiving the introducer registration request from the customer's terminal device, the introducer's appropriate judgment process is performed, and control is performed so that an alert about the introducer is output on the customer's terminal device according to the judgment result. Equipped with an appropriate judgment unit to perform
The information processing device according to any one of claims 1 to 5. It is an information processing device that calculates the referral fee for the referrer who introduced the customer.
The information management department that acquires customer transaction information and manages customer transaction performance information,
A judgment unit that determines the presence or absence of an introducer for each customer by referring to a database that links the information of the introducer to each customer.
Information on the intermediary is linked to each customer in the database, and the calculation is performed according to the transaction record information of the customer for a predetermined unit period for the customer who is determined by the determination unit to have an introducer. A calculation unit that calculates the amount of compensation paid to the intermediary and the referral fee paid to the introducer based on the base amount,
A remittance processing unit that performs a process for remittance of the referral fee calculated by the calculation unit to the relevant introducer and a process for remittance of the reward amount calculated by the calculation unit to the relevant intermediary.
Information processing device equipped with. As a method of processing the referral fee of the information processing device that calculates the referral fee for the referrer who introduced the customer
An information management step that acquires information on transactions of financial products by customers and manages transaction performance information of customers.
Judgment step to determine the presence or absence of an introducer for each customer by referring to the database that links the information of the introducer to each customer,
In the database, transaction attribute information of a customer's financial product is associated with each customer, and information of an intermediary is associated with each customer, and an introducer exists in the determination step. For the customer determined to be so, the process of calculating the referral fee based on the calculated base amount according to the customer's transaction record information for a predetermined period unit using the calculation formula according to the transaction attribute of the customer's financial product, and the above-mentioned calculation base. A calculation step that calculates the amount of compensation to be paid to the intermediary and the referral fee to be paid to the introducer based on the amount of money.
A remittance processing step that performs a process for remittance of the referral fee calculated in the calculation step to the corresponding introducer, a process for remittance of the reward amount calculated in the calculation step to the corresponding intermediary, and a remittance processing step.
Referral fee processing method.

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