Abstract:
A sales office system acquires information about a customer&#39;s attention to financial commodities without demanding special operations from the customer and provides effective information matching the acquired customer&#39;s attention. In the sales office system that connects with plural information processors via networks, a sales office system server includes a part that cooperates with an Internet banking server, a part that cooperates with a customer management server, a part that acquires dealing statuses, a part that acquires consultation reservation information, a part that acquires commodity information, a part that determines valuable information by valuable information criteria, and a part that holds customers&#39; operation histories, and effective sales are performed for customers by flexibly and effectively using information about purchasers of a variety of commodities.

Description:
CROSS-REFERENCE TO RELATED APPLICATION  
       [0001]     The present application claims priority from Japanese application JP 2005-111512 filed on Apr. 8, 2005, the content of which is hereby incorporated by reference into this application.  
       BACKGROUND OF THE INVENTION  
       [0002]     The present invention relates to a sales office system that conducts transactions by using plural information processors in a sales office and outside the sales office.  
         [0003]     A conventional sales office system has performed processing described below as disclosed in Patent Reference 1 (JP-A No. 2002-91780). By interlinking-terminals of a financial institute with each other, to display information suitable for each customer according to the types of the terminals, a display content command table corresponding to the terminals is provided for each customer, steps of commodity information are managed on the table, and the next step of the commodity information is updated by input information from a customer&#39;s terminal and information on a customer table.  
         [0004]     Also, as disclosed in Patent Reference 2 (JP-A No. 2004-265289), a conventional sales office system has performed processing described below. A terminal operated by customers is placed in a store front and questionnaires are presented to the customers. By allowing the customers to operate the terminal and fill out the questionnaires, personal information about the customers and interest information on commodities are acquired to use them for sales in the store.  
         [0005]     Furthermore, as disclosed in Patent Reference 3 (JP-A No. 2004-157704), for visiting customers, a processing flow is decided depending on visiting purposes, customer information, and a congestion degree of a sales office to realize effective services for the customers.  
       SUMMARY OF THE INVENTION  
       [0006]     However, the prior art described in Patent Reference 1 manages steps of commodity information to be displayed for each customer and displays commodity information suitable for the steps on a customer-operated information processor. Therefore, different information is only displayed for any customer, and effective information provision with customers&#39; attention to financial commodities in mind, such as commodities shown differently between interested customers and uninterested customers, is not achieved.  
         [0007]     When a customer operates the information processor, he (she) can refer to commodity information displayed. However, action is stopped there, and it is difficult to advance control to the next step of sales to the customer.  
         [0008]     There are currently an increasing number of information processors by which plural customers refer to public space at overlapping timings. Sales activity by the information processors is expected to become brisk.  
         [0009]     The prior art described in Patent Reference 2 demands from customers an operation for sales in a sales office such as a reply to questionnaires, incurring the risk of giving discomfort to the customers or the risk of the customers&#39; rejecting a reply to the questionnaires.  
         [0010]     The prior art described in Patent Reference 3 gives no consideration to an individual&#39;s attention phase although a degree of congestion is taken into account.  
         [0011]     Future sales office systems will be required to effectively acquire customer information and present commodity information by using various information processors, with the attributes and attention phases of individual customers in mind.  
         [0012]     An object of the present invention is to provide a system and the like that, by setting three phases notice, understanding, and consent for each customer as attention phases for commodity knowledge and managing the flow of the phases by customer action, can perform effective sales matching customers&#39; attention phases for financial commodities.  
         [0013]     An object of the present invention is to provide a system and the like that, when a customer is interested in commodity information provided by a financial institute, prompt the customer to take action and smoothly guide the customer to a next phase, thereby can improve the customer&#39;s convenience and effectively perform sales of the financial institute.  
         [0014]     An object of the present invention is to provide a system and the like that, by allowing information processors placed in public space outside a sales office to utilize personal information inputted to other personal information processors, can perform sales effective for plural customers in the public space at the same time, wherein the information processors placed in public space are those that plural persons can view information outputted from them at overlapping timings.  
         [0015]     An object of the present invention is to provide a system that can show commodities appropriate to customers visiting a sales office to the customers from the sales office in a natural flow without demanding a special operation from the customers.  
         [0016]     To solve the above-mentioned objects, the present invention provides plural statuses of commodity information for purchasers and performs information processing for commodity provision corresponding to the statuses. The statuses include notice, understanding, and content. The present invention acquires histories of purchasers&#39; operations on terminals placed in a sales office and makes reference to customers&#39; operation histories by office clerks. A more detailed construction is described below.  
         [0017]     A sales office system of the present invention connects via a network with plural types of information processors operated by purchasers of commodities (hereinafter referred to as customers) or office clerks, a sales office including plural information processors, and a sales office system server that is accessed by operations from the information processors in the sales office and has functions for performing various processing. The sales office system server connects via a network with an Internet banking server accessed from information processors placed outside the sales office, and a customer management server that manages customer information. The sales office system server includes a part that cooperates with the Internet banking server, a part that cooperates with the customer management server, a part that acquires dealing statuses, a part that acquires consultation reservation information, a part that acquires commodity information, a part that determines valuable information by valuable information criteria, and a part that acquires operation histories in the information processor operated by the customer that is installed in the sales office. The sales office system server includes: means for presenting summary information describing a summary of a commodity to a purchaser of the commodity via information processors; means for accepting input from the purchaser in response to the presented summary information; means for storing an identifier for identifying the purchaser and a flag indicating that the purchaser noticed the commodity with a correspondence between them; means for presenting detailed information of the commodity to the purchaser in response to the input from the purchaser; means for accepting input of consideration to purchasing a commodity from the purchaser; and means for storing the identifier and a consideration flag with a correspondence between them, thereby advising a purchaser marked with the consideration flag to purchase the commodity.  
         [0018]     The sales office system server includes: a status in which the customer is invited to have interest in a commodity or a commodity in which the customer is interested is identified; a status in which more detailed information about a commodity in which the customer is interested is provided to the customer to aid the customer in deepening understanding of the commodity; and a status in which the customer who has understood the commodity is supplied with information useful for the customer to judge whether the commodity is appropriate to the customer as against a customer&#39;s present situation, to support the judgment.  
         [0019]     The sales office system server transitions among the statuses based on information inputted from the information processors operated by the customer, information inputted from the information processors placed in the sales office, and information about the customer that is stored in a table or the like in the sales office system.  
         [0020]     The sales office system server has means by which office clerks refer to information inputted from the information processors operated by the customer, information inputted from the information processors placed in the sales office, and information about the customer that is stored in a table or the like in the sales office system.  
         [0021]     According to the present invention, in dealings using a sales office system and information processors, by flexibly and efficiently using various customer information, sales effective for customers can be performed. 
     
    
     BRIEF DESCRIPTION OF THE DRAWINGS  
       [0022]      FIG. 1  is a drawing of a network configuration including a sales office system and information processors in this embodiment;  
         [0023]      FIG. 2  is a drawing showing an example of a customer information table for Internet banking in this embodiment;  
         [0024]      FIG. 3  is a drawing showing an example of a customer information table in this embodiment;  
         [0025]      FIG. 4  is a drawing showing an example of a dealing status table in this embodiment;  
         [0026]      FIG. 5  is a drawing showing an example of a consultation reservation information table in this embodiment;  
         [0027]      FIG. 6  is a drawing showing an example of a commodity information table in this embodiment;  
         [0028]      FIG. 7  is a drawing showing an example of a valuable information criterion table in this embodiment;  
         [0029]      FIG. 8  is a drawing showing the flow of ATM control in a method of controlling a sales office system and processors in this embodiment;  
         [0030]      FIG. 9  is a drawing showing a customer-specific valuable information decision flow in the method of controlling a sales office system and information processors in this embodiment;  
         [0031]      FIG. 10  is a drawing showing a general flow of Internet banking control in the method of controlling a sales office system and information processors in this embodiment flow;  
         [0032]      FIG. 11  is a drawing showing an example 1 of an ATM screen in this embodiment;  
         [0033]      FIG. 12  is a drawing showing an example 2 of the ATM screen in this embodiment;  
         [0034]      FIG. 13  is a drawing showing an example 3 of the ATM screen in this embodiment;  
         [0035]      FIG. 14  is a drawing showing an example 4 of the ATM screen in this embodiment;  
         [0036]      FIG. 15  is a drawing showing an example of a information display unit screen in this embodiment;  
         [0037]      FIG. 16  is a drawing showing an example of an information table screen in this embodiment;  
         [0038]      FIG. 17  is a drawing showing an example 1 of an Internet banking screen in this embodiment;  
         [0039]      FIG. 18  is a drawing showing an example 2 of the Internet banking screen in this embodiment;  
         [0040]      FIG. 19  is a drawing showing an example 3 of the Internet banking screen in this embodiment;  
         [0041]      FIG. 20  is a drawing showing an example 4 of the Internet banking screen in this embodiment;  
         [0042]      FIG. 21  is a drawing showing an example of a temporary customer operation history table in this embodiment;  
         [0043]      FIG. 22  is a drawing showing customer operation history acquisition in the method of controlling a sales office system and information processors in this embodiment;  
         [0044]      FIG. 23  is a drawing showing a general flow of dealing switching processing based on a customer operation history in the method of controlling a sales office system and information processors in this embodiment;  
         [0045]      FIG. 24  is a drawing showing an example 1 of an information/consultation terminal screen in this embodiment;  
         [0046]      FIG. 25  is a drawing showing an example 2 of the information/consultation terminal screen in this embodiment;  
         [0047]      FIG. 26  is a drawing showing an example 1 of a window terminal screen in this embodiment;  
         [0048]      FIG. 27  is a drawing showing an example 2 of the window terminal screen in this embodiment; and  
         [0049]      FIG. 28  is a drawing showing an example 3 of the window terminal screen in this embodiment. 
     
    
     DESCRIPTION OF THE PREFERRED EMBODIMENTS  
       [0050]     Hereinafter, embodiments of the present invention will be described.  
         [0051]      FIG. 1  is a drawing showing a system configuration of the present invention. As shown in  FIG. 1 , the system includes portable terminals  101 , financial devices  102 , information display units  103 , customer operation type dedicated terminals  104 , information/consultation terminals  105 , ATMs  106 , window terminals  107 , and the like in a sales office  100 , a terminal group such as customer operation type terminals  111  outside a sales office  110 , advertising media  120 , and a server group including a sales office system server  130 , an Internet banking server  140 , and a customer management server  150 . The terminals in the sales office  100  are connected with the server group through a network  191 , and the terminals outside the sales office  110  are connected with the server group through the network  190 . The network  191  is a proper network, and the network  190  assumes the Internet. However, the types of networks used are free.  
         [0052]     The sales office system server  130  presumes what commodity information customers currently need, or what commodity information customers are currently interested in. It includes a valuable information decision part  134  that decides commodity information presented to customers, an information control parts that holds and manages various information, and a system cooperation part  135  that cooperates with other systems.  
         [0053]     The sales office  100  includes the portable terminals  101 , the financial devices  102 , the information display units  103  that display a specified video, the customer operation type dedicated terminals  104  by which a visiting customer inputs information by himself (herself) to perform dealings, the information/consultation terminals  105  by which the customer can perform Internet banking, and search for and browse bank and commodity information in the sales office  100 , the ATMs  106 , and the window terminals  107  that a bank clerk operates during direct communication with a customer at a window.  
         [0054]     The financial device refers to special peripheral devices such as a bankbook printer and ATM. With reference to FIGS.  2  to  7 , various tables used in the present invention will be described.  
         [0055]      FIG. 2  shows a customer information table for Internet banking  2000  used for customer authentication in Internet banking. It includes customer ID  2100 , ID  2200  for logging in to Internet banking, and password for logging in to Internet banking  2300 . In this embodiment, this table is managed by a customer information control part for Internet banking  141  in the Internet banking server  140 . However, it may be constructed to be changeable so as to be managed by any server.  
         [0056]      FIG. 3  shows a customer information table  3000  that manages various information about customers and is used to be reflected in the decision of valuable information. It includes customer ID  3100 , sex  3200 , age  3300 , customer type  3400 , family structure  3500 , account in possession  3600 , and dealing (deposit/borrowing) amount  3700 . Valuable information is information presumed to be necessary to customers or information presumed to be interesting to customers. Although, in this embodiment, this table is managed by the customer information control part  151  in the customer management server  150 , by which server it is managed may be freely changed. Items other than the customer ID  3100  of this table may be freely changed depending on customer information required.  
         [0057]      FIG. 4  shows a dealing status table  4000  used to propose commodities suitable for individual customers by managing customers&#39; action histories. It includes major items such as customer ID  4100 , dealing type  4200  representative of dealing type, status  4300 , and flag  4400 . The flag  4400  includes minor items such as information display  4401 , interest indication  4402 , information acquisition  4403 , consultation reservation  4404 , consultation  4405 , and dealing completion  4406 . The status  4300  indicates the degree of customers&#39; interest in and understanding of dealing for each of customers&#39; dealings, and has three types of values, “notice,” “understanding,” and “consent.” The flag  4400  indicates a history of previous actions of a customer on a given commodity or a history of presentation of the commodity to the customer by a sales office. The information display  4401  indicates whether a sales office previously presented a given commodity to a customer. The interest indication  4402  indicates whether a customer was interested in a presented commodity. The information acquisition  4403  indicates whether a customer browsed or acquired detailed information about a given commodity. The consultation reservation  4404  indicates whether a customer reserved consultation on a given commodity. The consultation  4405  indicates whether a customer actually visited the sales office and a bank clerk received consultation on a relevant commodity from the customer. The dealing completion  4406  indicates that a customer purchased a given commodity. Although, in this embodiment, this table is managed by the dealing status control part  131  in the sales office system server  130 , by which server it is managed may be freely changed. The flag  4400  of the table may be freely changed in the configuration of its minor items. Specifically, the minor items (information display  4410 , etc.) may only define the status  4300 . Accordingly, items other than those shown in  FIG. 4  may be added, or the items shown may be deleted.  
         [0058]     “Notice,” which is a value of the status  4300 , indicates that a customer is not interested in a given commodity. For example, to a customer having this status, the sales office presents summary information about the commodity to arouse interest in the commodity.  
         [0059]     “Understanding,” which is a value of the status  4300 , indicates that a customer is interested in a given commodity. For example, to a customer having this status, the sales office presents detailed information about the commodity to deepen understanding of the commodity.  
         [0060]     “Consent,” which is a value of the status  4300 , indicates that a customer has deepened understanding of a given commodity to some extent. For example, to a customer having this status, to help the customer to determine whether the commodity is valuable to the customer, the sales office has a consultation about the commodity or presents the result of a simulation on the commodity, based on data of the customer.  
         [0061]     In this embodiment, the system manages the degrees of customers&#39; interest in and understanding of commodities by the dealing status table  4000 , and proposes a commodity, taking the degrees into account.  
         [0062]      FIG. 5  shows a consultation reservation information table  5000  that manages information of consultation reservations made between customers and sales offices, and is used to enable appropriate treatment for customers who visit the sales offices. It includes major items such as customer ID  5100 , reservation number  5200 , reservation date  5300 , and dealing  5400 . Furthermore, the dealing  5400  includes minor items such as branch name  5410 , type  5420 , and contact address  5430 . Although, in this embodiment, this table is managed by a consultation reservation information control part  132  in the sales office system server  130 , by which server it is managed may be freely changed. The dealing  5400  of the table may be freely changed in the configuration of its minor items.  
         [0063]      FIG. 6  shows a commodity information table  6000  used to offer commodity information for access from Internet banking and information/consultation terminal  105 . It includes commodity name  6100 , minimum dealing (deposit/borrowing) amount  6200 , maximum dealing (deposit/borrowing) amount  6300 , and maximum number of years permitted for dealing  6400 . Although, in this embodiment, this table is managed by a commodity information control part  133  in the sales office system server  130 , by which server it is managed may be freely changed. Items of this table may be freely changed depending on commodity information required.  
         [0064]      FIG. 7  shows a valuable information criterion table  7000  used to decide commodities to be proposed to individual customers from data held in the customer information table  3000  and the dealing status table  4000 . It includes major items such as prerequisite information  7100  and valuable information  7200 . Furthermore, the prerequisite information  7100  includes medium items such as customer age  7010 , dealing (deposit/borrowing) amount  7020 , status  7030 , and flag  7040 . Furthermore, the status  7030  includes minor items such as foreign currency deposit  7031  and housing loan  7032 . The flag includes minor items such as foreign currency deposit—information display  7041 , foreign currency deposit—interest indication  7042 , foreign currency deposit—consultation  7043 , and housing loan—interest indication  7044 . The status  7030  is the same as the status  4030  in the dealing status table  4000  shown in  FIG. 4 . Although, in this embodiment, this table is managed by the valuable information decision part  134  in the sales office system server  130 , by which server it is managed may be freely changed. The configuration of the medium items and the minor items of this table may be freely changed.  
         [0065]      FIG. 21  shows a temporary customer operation history table  8000  that temporarily holds a history of operations on the information/consultation terminal  105  placed in the office. It includes major items such as customer ID  8100 , foreign currency deposit contents  8200 , and housing loan contents  8300 . Furthermore, the foreign currency deposit contents  8200  include minor items such as ordinary deposit explanation  8210 , time deposit explanation  8220 , market price information  8230 , and operation simulation  8240 . The housing loan contents  8300  include minor items such as fluctuation type explanation  8310 , fixed type explanation  8320 , loan interest rate  8330 , and repayment simulation  8340 . Although, in this embodiment, this table is managed by a temporary customer operation history control part  136  in the sales office system server  130 , by which server it is managed may be freely changed. The configuration of the major items except the customer ID  8100  and the minor items of this table may be freely changed.  
         [0066]     The temporary customer operation history table  8000  contains temporary data such as operation histories of a specific day. The content of the temporary customer operation history table  8000  is reflected in the dealing status table  4000  according to a certain rule by daily batch processing. However, the present invention does not describe the rule by which the content of the temporary customer operation history table  8000  is reflected in the dealing status table  4000 .  
         [0067]     In this embodiment, the customer information table for Internet banking  2000 , the customer information table  3000 , the dealing status table  4000 , the consultation reservation information table  5000 , the commodity information table  6000 , the valuable information criterion table  7000 , and the temporary customer operation history table  8000  are managed by the database. They may be managed by any method. The above-mentioned tables are used in this system.  
         [0068]     The following describes a processing procedure of the present invention.  
         [0069]     Especially, processing in the ATM  106  and processing in the customer operation type terminal  111  outside the sales office will be described in detail with reference to flowcharts of FIGS.  8  to  10 . Processing in the information/consultation terminal  105  and the window terminal  107  in the sales office will be described in detail with reference to flowcharts of  FIGS. 22 and 23 .  
         [0070]      FIG. 8  shows processing in which, when an advertisement has been displayed in the ATM  106 , the sales office system server  130  changes the dealing status table  4000  according to a customer&#39;s operations.  FIG. 9  shows processing in which the sales office system server  130  uses a customer&#39;s information to select information valuable to each customer.  FIG. 10  shows processing in which, in Internet banking, the sales office system server  130  changes the dealing status table  4000  according to a customer&#39;s operations.  FIG. 22  shows processing in which the sales office system server updates an operation history according to a customer&#39;s operations on the information/consultation terminal  105 .  FIG. 23  shows processing of switching among the displaying of a customer&#39;s history on a window terminal in the sales office system server, a dealing being an initial customer&#39;s purpose to visit the sales office, and a dealing interesting to a customer.  
         [0071]     Referring to an ATM control flowchart in  FIG. 8 , a description is made of a procedure of processing from valuable information display by ATM to the updating of the dealing status table  4000 .  FIG. 8  shows a flow of processing in the ATM  106  and a flow of processing in the sales office system server  130 . Examples of screens displayed in the ATM  106  are shown using FIGS.  11  to  14 .  
         [0072]     An ATM screen (menu screen)  1100  of  FIG. 11  is displayed on a touch panel display of the ATM (Step  801 ). When a customer who visits the sales office for the purpose of a certain dealing starts the dealing on the ATM  106  and inserts his (her) cash card in the ATM  106 , the ATM  106  detects that the cash card has been inserted (Step  802 ). Based on information of the inserted cash card, the ATM  106  transmits the event code of customer-specific valuable information decision processing that performs acquisition of customer information and selection of valuable information, and the information of the cash card to the sales office system server  130  (Step  803 ). The sales office system server  130  decides valuable information by the customer-specific valuable information decision processing, and returns the valuable information to the ATM  106  as a processing result (Step  804 ). The customer-specific valuable information decision processing will be detailed later in  FIG. 9 . The ATM  106  requests the sales office system server  130  to turn ON the information display flag  4410  on a commodity targeted for the valuable information in the dealing status table  4000  (Step  805 ). Based on the request from the ATM  106 , the sales office system server  130  performs status change processing that changes the contents of status  4300  and flag  4400  for the dealing status table  4000  (Step  806 ). While waiting for the processing for the dealing, the ATM  106  displays the valuable information specified as a processing result by the sales office system server  130  on an ATM screen (processing screen)  1110  of  FIG. 12  as an advertisement (e.g., information about foreign currency deposit) (Step  807 ).  
         [0073]     When the customer is interested in the valuable information, and touches a specified part on the touch panel display, the ATM detects the customer&#39;s contact with the specified part, and when it does not detect the contact, it keeps displaying the ATM screen (processing screen)  1110  until termination of the dealing (Step  808 ). When detecting the contact, the ATM  106  transmits, to the sales office system server  130 , the event code of status change processing that changes the interest indication  4420  flag and the status  4300  on the commodity in the dealing status table  4000  to “ON” and “Understanding”, respectively (Step  809 ). Based on the event code from the ATM  106 , the sales office system server  130  performs the status change processing for the dealing status table  4000  (Step  810 ). When detecting the contact, the ATM  106  displays details of the valuable information on the screen like the ATM screen (valuable information display screen)  1120  of  FIG. 13 , and when processing of the dealing has terminated, displays a message indicating processing completion (Step  811 ).  
         [0074]     When processing of the dealing terminates, or the customer has read the valuable information details, the customer performs a prescribed procedure for terminating all dealings (pressing of a prescribed button, extraction of the cash card, etc.), and the ATM detects the prescribed procedure (Step  812 ). The ATM  106  terminates all transactions (Step  813 ), displays a message indicating processing completion on the screen like an ATM screen  1130  (processing completion screen) of  FIG. 14 , and then returns to a normal menu display (Step  814 ).  
         [0075]     The above is an explanation of a processing procedure from valuable information display by an ATM to the updating of the dealing status table  4000 .  
         [0076]     With reference to the customer-specific valuable information decision flowchart of  FIG. 9 , the following describes a processing procedure of the customer-specific valuable information decision processing (Step  804 ) in  FIG. 8 .  FIG. 9  separately shows processing in the sales office system server and processing in various servers.  
         [0077]     The sales office system server  130  receives the customer-specific valuable information decision processing request, and transmits a customer ID acquired from the cash card to the customer management server  150  to request customer information (Step  901 ). The customer management server  150  searches the customer information table  3000  based on the received customer ID to acquire the customer information of a corresponding customer, and transmits it to the sales office system server  130  (Step  902 ). The sales office system server  130  acquires the customer information of the corresponding customer transmitted from the customer management server  150  (Step  903 ). The sales office system server  130  uses the customer ID of the customer contained in the customer information to acquire a dealing status of the customer from the dealing status table  4000  (Step  904 ). The sales office system server  130  selects information valuable to the customer by comparing the customer information and the dealing status with those in the valuable information criterion table  7000  (Step  905 ). In the process of the valuable information decision, a decision with site situations in mind may be included, such as the avoidance of commodity presentation in a season or time zone in which the sales office  100  is crowded. The sales office system server  130  acquires more detailed information from the commodity information table  6000  with respect to information valuable to the customer, and transmits it (Step  906 ).  
         [0078]     The valuable information criterion table  7000  used here is organized so as to select detailed information about commodities represented as “Understanding” in the status  4300  in the dealing status table  4000  with the highest priority, to select summary information about commodities represented as “Notice” in the status  4300  in the dealing status table  4000  with the next highest priority, and avoid the selection of commodity information about commodities represented as “Consent” in the status  4300  in the dealing status table  4000 .  
         [0079]     The following describes the valuable information decision processing in  FIG. 9  based on a more concrete example.  
         [0080]     As an example, consider the case where the dealing status table  4000  on the customer indicates “Notice” in the status  4300 , and information display  4410  OFF, interest indication  4420  OFF, information acquisition  4430  OFF, consultation reservation  4400  OFF, consultation  4450  OFF, and dealing completion  4460  OFF in the flag  4400 . When the customer information table  3000  on the customer indicates 35 as customer age  3300  and 2,000,000 as dealing (deposit/borrowing) amount  3700 , foreign currency deposit is selected as valuable information, taking into account the prerequisite information  7100  of the valuable information criterion table  7000 .  
         [0081]     The above is an explanation of a processing procedure of the customer-specific valuable information decision in  FIG. 9 .  
         [0082]     The following describes a processing procedure of information processors except the ATM  106  in the sales office  100 . In this embodiment, an information display unit  103  and an information/consultation terminal  105  are described as examples of information processors in the sales office  100  except the ATM  106 .  
         [0083]     First, the information display unit  103  will be described. The information display unit  103  is a large-scale display placed in the sales office  100 . It includes a means for receiving information input over infrared or the like (radio communication is also available) from the portable terminal  101  and the like (e.g., cellular phone and PDA), and a means for reading information from an IC card and the like. The information display unit  103  selects valuable information from information of a customer in the sales office, selects information valuable to a customer at the shortest distance, or selects arbitrary valuable information and displays it on the display like an information display unit screen  1200  of  FIG. 15 . The specifications of the information display unit  103  such as a customer detection function of the information display unit  103  are out of the scope of the present invention. The customer can capture detailed information about information displayed in the information display unit  103  into the portable terminal  101 , or can request the displaying of detailed information by showing the IC card or the like. For the capturing of detailed information or the request of detailed information display by the customer, the system identifies a customer 1D, changes the interest indication  4420  and the information acquisition  4430  of the flag  4400  of the dealing status table  4000  to ON, and changes “Notice” in the status  4300  of the dealing status table  4000 , if so, to “Understanding.” Moreover, for the capturing of detailed information or the request of detailed information display by the customer, the system shows the URI of Internet banking and introduces the information processors placed in the sales office to guide the customer to the acquisition of more detailed information about the commodity.  
         [0084]     The following describes the information/consultation terminal  105 . The information/consultation terminal  105 , which is an information processor placed in the sales office  100 , permits a customer to search for and browse information about banks and commodities. Unlike the information display unit  103 , the information/consultation terminal  105  may be exclusively used by a customer. The information/consultation terminal  105 , which includes some customer authentication means, presents information valuable to a customer and changes the dealing status table  4000  according to a customer&#39;s operations. The information/consultation terminal screen  1300  of  FIG. 16  is shown as an example of the screen of the information/consultation terminal. The specifications of the information/consultation terminal  105  are out of the scope of the present invention. The information/consultation terminal  105 , like the information display unit  103 , presents a means for conducting consultations about commodities with Internet banking and bank clerks, and a means for obtaining other information according to the dealing status table  4000 . By thus managing the degrees of a customers&#39; interest and understanding by the dealing status table  4000 , the system can guide customers to information acquisition means judged as appropriate and information processors judged as appropriate.  
         [0085]     With reference to an Internet banking control flowchart of  FIG. 10 , the following describes a processing procedure from valuable information detailed display to consultation reservation after a login operation in Internet banking by the customer operation type terminal  111  (e.g., private personal computer and the like placed at home).  FIG. 10  shows a processing flow in the customer operation type terminal  111  and a processing flow in the sales office system server  130 . Examples of screens displayed in the customer operation type terminal  111  are shown using FIGS.  17  to  20 .  
         [0086]     An Internet banking screen  1400  of  FIG. 17  (menu screen) is displayed in the display of the customer operation type terminal  111  (Step  1001 ). The customer inputs an Internet banking ID and an Internet banking password to specified fields in the screen, and presses the login button. On detecting that the login button has been pressed, the customer operation type terminal  111  acquires the Internet banking ID and the Internet banking password (Step  1002 ). The customer operation type terminal  111  requests login processing by transmitting the event code of login processing, the Internet banking ID, and the Internet banking password to the sales office system server  130  (Step  1003 ). The sales office system server  130  requests login processing by transmitting the event code of login processing, the Internet banking ID, and the Internet banking password to the Internet banking server  140 . The Internet banking server  140  performs login processing using the event code of the login processing, the Internet banking ID, and the Internet banking password. By matching the Internet banking ID with the customer information table  3000  for Internet banking, the Internet banking server  140  authenticates the customer, obtains the customer ID of the customer, and transmits it to the sales office system server  130  along with the event code of login completion. On receiving the event code of login completion and the customer ID, the sales office system server  130  transmits the event code of login completion and the customer ID to the customer operation type terminal  111  (Step  1004 ). Based on the received customer ID, the customer operation type terminal  111  transmits the event code of customer-specific valuable information decision processing and the customer ID to the sales office system server  130  (Step  1005 ). The sales office system server  130  decides valuable information by the customer-specific valuable information decision processing, and returns it to the customer operation type terminal  111  as a processing result (Step  1006 ). A processing procedure of the customer-specific valuable information decision processing (Step  1006 ) in  FIG. 10  is the same as that of the customer-specific valuable information decision processing (Step  804 ) in  FIG. 8 .  
         [0087]     The customer operation type terminal  111  displays the Internet banking screen  1410  of  FIG. 18  (customer top screen). The valuable information is displayed on the screen (e.g., detailed information about foreign currency deposits) (Step  1007 ).  
         [0088]     The Internet banking has a function to reserve consultation about commodities with a bank clerk. A customer who acquired information about a commodity by various means and deepened understanding of the commodity can make a reservation for consultation with a bank clerk by the consultation reservation function if he (she) desires. The customer moves to an Internet banking screen  1420  of  FIG. 19  (consultation reservation screen), and executes a consultation reservation after entering required items. The customer operation type terminal  111  detects the execution of the consultation reservation (Step  1008 ). The customer operation type terminal  111  requests the execution of the consultation reservation by transmitting the event code of consultation reservation execution and the content of the consultation reservation to the sales office system server  130  (Step  1009 ). The sales office system server  130  adds the consultation reservation to the consultation reservation information table  5000 , and transmits the event code of consultation reservation execution completion to the customer operation type terminal  111  (Step  1010 ). On receiving the event code of consultation reservation completion, the customer operation type terminal  111  requests the sales office system server  130  to turn on the consultation reservation flag  4440  in the dealing status table  4000  with respect to the commodity targeted for the consultation reservation and change the status  4300  of the commodity in the dealing status table  4000  to “Consent” (Step  1011 ). According to the request from the customer operation type terminal  111 , the sales office system server  130  performs status change processing for the dealing status table  4000  (Step  1012 ). The customer operation type terminal  111  displays the Internet banking screen of  FIG. 20  (consultation reservation completion screen) to show the customer the completion of application for consultation reservation) (Step  1013 ).  
         [0089]     The above is an explanation of a processing procedure from valuable information detailed display to consultation reservation after a login operation in Internet banking by the customer operation type terminal  111 .  
         [0090]     With reference to an information/consultation terminal flowchart of  FIG. 22 , the following describes a processing procedure for acquiring a customer&#39;s operation history accompanying a customer&#39;s information search by the information/consultation terminal  105 . The processing of deciding and displaying a customer&#39;s valuable information, which has already been described (Steps  801  to  807 ), is omitted in this processing procedure.  FIG. 22  shows the flow of processing in the information/consultation terminal  105  and the flow of processing in the sales office system server  130 . Examples of screens displayed in the information/consultation terminal  105  will be shown using  FIGS. 24 and 25 .  
         [0091]     An information/consultation terminal screen  1500  of  FIG. 24  (menu screen) is displayed on the screen of the information/consultation terminal  105  (Step  601 ). When a customer who visits the information/consultation terminal  105  for the purpose of information search inserts his (her) cash card in the Information/consultation terminal  105  to search for information more suitable to him (her) by using his (her) personal information stored in the sales office system, the information/consultation terminal  105  detects that the cash card has been inserted (Step  602 ). According to information of the inserted cash card, the information/consultation terminal  105  transmits the event code of customer specific processing that performs the acquisition of customer information and information of the cash card to the sales office system server  130  (Step  603 ). The sales office system server  130  returns the result of the customer specific processing to the information/consultation terminal  105  (Step  604 ). When the information/consultation terminal  105  displays on the screen the contents targeted for operation history acquisition by a customer&#39;s operation like an information/consultation terminal screen  1510  (loan interest rate screen) of  FIG. 25  (Step  605 ), it transmits the event code of operation record updating that registers and updates a operation history, the ID of display contents, information about the customer, and present time to the sales office system server  130  (Step  606 ). Contents targeted for operation record acquisition may be specific contents or all contents. According to the request from the information/consultation terminal  105 , the sales office system server  130  updates the content of the temporary customer operation history table  8000  (Step  607 ). Each time the information/consultation terminal  105  displays contents targeted for operation history acquisition, the same operation history updating is performed (Steps  608  to  610 ).  
         [0092]     Upon termination of the information search, the customer performs a prescribed procedure (pressing of prescribed buttons, extraction of the cash card, etc.) for terminating the information search processing, and the information/consultation terminal  105  detects the prescribed procedure (Step  611 ). The information/consultation terminal  105  terminates the dealing (Step  612 ), and displays the information/consultation terminal screen  1500  of  FIG. 24  (menu screen).  
         [0093]     The above is an explanation of a processing procedure for acquiring a customer&#39;s operation history accompanying the customer&#39;s information search by the information/consultation terminal  105 .  
         [0094]     With reference to a window terminal flowchart of  FIG. 23 , the following describes a processing procedure for dealing switching in customer support at a window by the window terminal  107 .  FIG. 23  shows the flow of processing in the window terminal  107  and the flow of processing in the sales office system server  130 . Examples of screens displayed in the ATM  106  are shown using FIGS.  26  to  28 .  
         [0095]     A window terminal screen  1600  of  FIG. 26  (customer list screen) is displayed on the screen of the window terminal  107  (Step  701 ). When the office clerk has selected a reception number of a customer who starts window dealing, the window terminal  107  detects that the reception number has been selected (Step  702 ). The window terminal  107  transmits the reception number and the event code of customer operation history acquisition processing that acquires a customer&#39;s operation history to the sales office system server  130  (Step  703 ). The sales office system server acquires the customer&#39;s operation history from the temporary customer operation history table  8000  by the customer operation history acquisition processing, and returns the operation history to the window terminal  107  as a processing result (Step  704 ). The window terminal  107  displays a main dealing screen in a form that includes a customer&#39;s operation history as the customer&#39;s status information, as shown in a window terminal screen  1610  (main dealing screen) of  FIG. 27  (Step  705 ). A dealing being an initial purpose of the customer is referred to as a main dealing, and a dealing that an office clerk performs sales based on a customer&#39;s operation history is referred to as a sub-dealing.  
         [0096]     When the office clerk, during a window dealing with the customer, senses the customer&#39;s interest in a commodity on the operation history, if the clerk selects an operation history button in the course of the main dealing or after its completion, the window terminal  107  detects that operation history has been selected (Step  706 ). The window terminal  107  transmits the event code of sub-dealing switching processing to the sales office system server  130  (Step  707 ). According to the request from the window terminal  107 , the sales office system server  130  switches dealing processing from the main dealing to a sub-dealing corresponding to the selected operation history, and transmits information of the sub-dealing to the window terminal  107 . In this case, if processing for the main dealing is in progress, the sales office system server  130  temporarily saves a content being processed in the main dealing (Step  708 ). The window terminal  107  displays a sub-dealing screen as the customer&#39;s status details in a form that includes the customer&#39;s operation history details, as shown in a window terminal screen  1620  of  FIG. 28  (sub-dealing screen) (Step  709 ). The window terminal  107  selects “Return to the main dealing,” or detects completion of the sub-dealing (Step  710 ). The window terminal  107  transmits the event code of main dealing switching processing to the sales office system server  130  (Step  711 ). According to the request from the window terminal  107 , the sales office system server  130  switches dealing processing from the sub-dealing to the main dealing. In this case, when processing of the main dealing is completed, all dealings are terminated, but if the main dealing is in the course of processing, the sales office system server acquires a content being processed in the main dealing and transmits it to the window terminal  107  (Step  712 ). If the main dealing is in the course of processing, the window terminal  107  displays the main dealing screen like Step  705  (Step  713 ).  
         [0097]     Upon termination of the main dealing, the office clerk performs a prescribed procedure (pressing of prescribed buttons, etc.) for terminating all dealings, and the window terminal  107  detects the prescribed procedure (Step  714 ). The window terminal  107  terminates all dealings, and displays the window terminal screen  1600  of  FIG. 26  (customer list screen) (Step  715 ).  
         [0098]     The above is an explanation of a processing procedure for dealing switching in customer support at a window by the window terminal  107 .  
         [0099]     Hereinbefore, although the present invention has been described in detail based on the preferred embodiments, the present invention is not limited to the preferred embodiments, but may be modified in various ways without changing the main purports of the present invention.