Product brokerage transaction processing system, and product brokerage transaction processing method and program
First Claim
1. A product brokerage transaction processing system that mediates products offered by at least one product supply system and supplies the products to terminals of end-users connected via a network, the product brokerage transaction processing system comprising:
- a device that collects through the network from the at least one product supply system product information containing information indicative of characteristics of the products offered by the at least one product supply system, message specifications to be used for transaction of the products, and commission information to be used for settlement of commissions for brokerage transaction of the products, and registers the product information in a storage device in association with the at least one product supply system;
a device that selects a plurality of products from the products registered in the product information, generates combinations of the plurality of products to form integrated products each having a series of transaction steps, and stores information indicative of the respective integrated products in a storage device;
a device that provides the terminals via the network with information about the integrated products;
a device that collects contract information containing information about an integrated product selected from the integrated products at any of the end-user terminals by an end-user based on the information about the integrated products and contract details for a plurality of products composing the selected integrated product, and registers the contract information in a storage device in association with the end-user;
a device that starts a brokerage transaction for the integrated product based on the contract details of the contract information, specifies product supply systems that supply the products composing the integrated product and message specifications to be used for transactions for the products, send notifications of the contract details for the products according to the specified message specifications to the specified product supply systems, and allows the specified product supply systems to execute the transactions for the products;
a device that stores a transaction log indicating transaction execution details for the products performed by the product supply systems based on the notifications in a storage device in association with the product supply systems; and
a device that performs commission settlements for the brokerage transaction for the products transacted with the product supply systems based on the stored transaction log for the products and commission information of the products.
1 Assignment
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Accused Products
Abstract
A transaction processing system for a brokerage institution that mediates and processes transactions across product function supply systems at multiple financial institutions. The transaction processing system generates integrated products composed of work flows of transactions of financial products that compose the integrated products based on product information containing information indicating functional characteristics of the financial products offered by each financial institution, message specifications for performing transactions of the financial products, and rules regarding commissions for the transactions of these financial products, and offers the integrated products to end-users via a network. The transaction processing system manages a brokerage transaction process for an integrated product according to contents of parameters inputted by the end-user, directs the product function supply systems to execute transactions of the financial products composing the integrated product, and performs settlements of commissions for the transaction process of the integrated product according to transaction execution logs of the transactions.
34 Citations
20 Claims
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1. A product brokerage transaction processing system that mediates products offered by at least one product supply system and supplies the products to terminals of end-users connected via a network, the product brokerage transaction processing system comprising:
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a device that collects through the network from the at least one product supply system product information containing information indicative of characteristics of the products offered by the at least one product supply system, message specifications to be used for transaction of the products, and commission information to be used for settlement of commissions for brokerage transaction of the products, and registers the product information in a storage device in association with the at least one product supply system;
a device that selects a plurality of products from the products registered in the product information, generates combinations of the plurality of products to form integrated products each having a series of transaction steps, and stores information indicative of the respective integrated products in a storage device;
a device that provides the terminals via the network with information about the integrated products;
a device that collects contract information containing information about an integrated product selected from the integrated products at any of the end-user terminals by an end-user based on the information about the integrated products and contract details for a plurality of products composing the selected integrated product, and registers the contract information in a storage device in association with the end-user;
a device that starts a brokerage transaction for the integrated product based on the contract details of the contract information, specifies product supply systems that supply the products composing the integrated product and message specifications to be used for transactions for the products, send notifications of the contract details for the products according to the specified message specifications to the specified product supply systems, and allows the specified product supply systems to execute the transactions for the products;
a device that stores a transaction log indicating transaction execution details for the products performed by the product supply systems based on the notifications in a storage device in association with the product supply systems; and
a device that performs commission settlements for the brokerage transaction for the products transacted with the product supply systems based on the stored transaction log for the products and commission information of the products. - View Dependent Claims (3)
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2. A product brokerage transaction processing system that mediates financial products offered by at least one financial institution and supplies the financial products to terminals of end-users connected via a network, the product brokerage transaction processing system comprising:
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a device that collects through the network from the at least one financial institution product information containing information indicative of characteristics of the financial products offered by the at least one financial institution, message specifications to be used for transaction of the financial products, and commission information to be used for settlement of commissions for brokerage transaction of the financial products, and registers the product information in a storage device in association with the at least one financial institution;
a device that selects a plurality of financial products from the financial products registered in the product information, generates combinations of the plurality of financial products to form integrated products each having a series of transaction steps, and stores information sets indicative of the respective integrated products in a storage device;
a device that provides the terminals via the network with information about the integrated products;
a device that collects contract information containing information about an integrated product selected from the integrated products at any of the end-user terminals by an end-user based on the information about the integrated products and contract details for a plurality of financial products composing the selected integrated product, and registers the contract information in a storage device in association with the end-user;
a device that starts a brokerage transaction for the integrated product based on the contract details of the contract information, specifies financial institutions that supply the financial products composing the integrated product and message specifications to be used for transactions for the products, send notifications of the contract details for the financial products according to the specified message specifications to the specified financial institutions, and allows the specified financial institutions to execute the transactions for the financial products;
a device that stores a transaction log indicating transaction execution details for the financial products performed by the financial institutions based on the notifications in a storage device in association with the financial institutions; and
a device that performs commission settlements for the brokerage transaction for the financial products transacted with the financial institutions based on the stored transaction log for the financial products and commission information of the financial products. - View Dependent Claims (4)
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5. A product brokerage transaction processing method for at least one product supply system that offers products and a product transaction processing system that is connected via a network to the at least one product supply system and mediates products offered by the at least one product supply system and supplies products to terminals of end-users connected via a network, the product brokerage transaction processing system method comprising:
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a process that at the product transaction processing system, collects through the network from the at least one product supply system product information containing information indicative of characteristics of the products offered by the at least one product supply system, message specifications to be used for transaction of the products, and commission information to be used for settlement of commissions for brokerage transaction of the products, and register the product information in a storage device in association with the at least one product supply system;
a process that, at the product transaction processing system, selects a plurality of products from the products registered in the product information, generate combinations of the plurality of products to form integrated products each having a series of transaction steps, and store information sets indicative of the respective integrated products in a storage device;
a process that provides form the product transaction processing system to the terminals via the network with information about the integrated products;
a process that sends from any of the terminals of end-users to the transaction processing system via the network contract information containing information about an integrated product selected by an end-user based on the information about the integrated products and contract details for products composing the selected integrated product;
a process that registers in a storage device at the transaction processing system the contract information sent from the terminal of the end-user in association with the end-user;
a process that starts at the transaction processing system a brokerage transaction for the integrated product based on the contract details of the contract information, specifies product supply systems that supply the products composing the integrated product and message specifications to be used for transactions for the products, send notifications of the contract details for the products according to the specified message specifications to the specified product supply systems that supply the products;
a process that executes transactions for products corresponding to the contract details at the specified product supply systems that are notified of the contract details from the transaction processing system and supply the products;
a process that stores at the transaction processing system a transaction log indicating transaction execution details for the products performed by the product supply systems in a storage device in association with the product supply systems; and
a process that performs at the transaction processing system commission settlements for the brokerage transaction for the products transacted with the product supply systems based on the stored transaction log for the products and commission information of the products. - View Dependent Claims (7, 9)
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6. A product brokerage transaction processing method for at least one financial institution system that offers financial products and a product transaction processing system that is connected via a network to the at least one financial institution system and mediates financial products offered by the at least one financial institution system and supplies financial products to terminals of end-users connected via a network, the product brokerage transaction processing system method comprising:
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a process that, at the product transaction processing system, collects through the network from the at least one financial institution system product information containing information indicative of characteristics of the financial products offered by the at least one financial institution system, message specifications to be used for transaction of the financial products, and commission information to be used for settlement of commissions for brokerage transaction of the financial products, and registers the product information in a storage device in association with the at least one financial institution system;
a process that, at the product transaction processing system, selects a plurality of financial products from the financial products registered in the product information, generates combinations of the plurality of financial products to form integrated products each having a series of transaction steps, and stores information sets indicative of the respective integrated products in a storage device;
a process that provides form the product transaction processing system to the terminals via the network with information about the integrated products;
a process that sends from any of the terminals of end-users to the transaction processing system via the network contract information containing information about an integrated product selected by an end-user based on the information about the integrated products and contract details for financial products composing the selected integrated product;
a process that registers in a storage device at the transaction processing system the contract information sent from the terminal of the end-user in association with the end-user;
a process that starts at the transaction processing system a brokerage transaction for the integrated product based on the contract details of the contract information, specifies financial institution systems that supply the financial products composing the integrated product and message specifications to be used for transactions for the financial products, send notifications of the contract details for the financial products according to the specified message specifications to the specified financial institution systems that supply the financial products;
a process that executes transactions for financial products corresponding to the contract details at the specified financial institution systems that are notified of the contract details from the transaction processing system and supply the financial products;
a process that stores at the transaction processing system a transaction log indicating transaction execution details for the financial products performed by the financial institution systems in a storage device in association with the financial institution systems; and
a process that performs at the transaction processing system commission settlements for the brokerage transaction for the financial products transacted with the financial institution systems based on the stored transaction log for the financial products and commission information of the financial products. - View Dependent Claims (8, 10)
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11. A brokerage transaction processing system for a brokerage system that mediates and processes transactions between users and multiple product supply systems, the brokerage transaction processing system comprising:
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a device that registers product information containing information indicating functional characteristics of products offered by each of the product supply systems, message specifications for performing transactions of the products, and rules regarding commissions for the transactions of the products;
a device that registers flows of transactions of integrated products, each of the integrated products being composed of a plurality of products;
a brokerage transaction device that, in response to an input by an end-user of parameters that define a transaction flow for an integrated product composing a plurality of products selected from the registered product information, performs a brokerage transaction process according to the transaction flow and the selected parameters;
a device that registers a transaction log indicating a transaction history for each of the products composing the integrated product when executing a transaction process for each of the products; and
a device that executes a settlement based on the transaction log between each of the product supply systems and the brokerage system. - View Dependent Claims (12, 13, 14, 15, 17, 18, 19, 20)
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16. A brokerage transaction processing method for operating a brokerage system that mediates and processes transactions between users and multiple product supply systems, the brokerage transaction processing method comprising the steps of:
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registering product information containing information indicating functional characteristics of products offered by each of the product supply systems, message specifications for performing transactions of the products, and rules regarding commissions for the transactions of the products;
registering flows of transactions of integrated products, each of the integrated products being composed of a plurality of products;
in response to an input by an end-user of parameters that define a transaction flow for an integrated product composing a plurality of products selected from the registered product information, performing a brokerage transaction process according to the transaction flow and the selected parameters;
registering a transaction log indicating a transaction history for each of the products composing the integrated product when executing a transaction process for each of the products; and
executing a settlement based on the transaction log between each of the product supply systems and the brokerage system.
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Specification