how to insert/update the data from FTP server (CSV File) to Salesforce.com
Using some of the few ways its possible:
1) Using salesforce API ( e.g. Java, PHP, .Net APIs )
Using program (JAVA, PHP, .Net) can connect with Salesforce.com and FTP server and read the csv data and insert/update it into salesforce (respective object) based on your requirement.
and then generate jar file and schedule job and its execute based on the scheduled time, if you use php then use it in cronjobs for the schedule purpose.
2) We can also use Salesforce.com Dataloader command line interface ( CLI ) and can schedule .bat on windows or .sh and cron job on Linux / unix.
3) We can use the https://dataloader.io/ as well for read the data from FTP to Salesforce
4) using Jitterbit (http://www.jitterbit.com/solutions/salesforce-integration/salesforce-data-loader/) tool aslo possible