KR100889278B1 - System and Method for Producing Profitable Classified by Custom, Server and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for calculating customer profitability, a server and a recording medium therefor. The method for calculating customer profitability according to the present invention includes at least one accounting product and a non-accounting product for each customer in a predetermined information extracting means. Extracting customer financial information of a specific customer from a ledger database that stores customer financial information, and analyzing the extracted customer financial information in a predetermined profitability calculation means to include an operating profit for a predetermined individual customer group customer; Profitability information, including operating profit for a given private bank (PB) customer group customer, profitability information including operating profit for a specific special customer group customer, and operating profit for a predetermined corporate customer group customer. Calculating at least one profitability information including a predetermined information storage means; And storing the calculated profitability information and the customer information in a predetermined storage medium.

Customer, profitability, output

Description

System and Method for Producing Profitable Classified by Custom, Server and Program Recording Medium}

1 illustrates a configuration of an entire system for calculating target marketing information for each customer (group) and operating a calculation result according to an exemplary embodiment of the present invention.

Figure 2 shows the system configuration for calculating the profitability of the individual customer group teller according to the embodiment of the present invention.

3 is a subscription account profitability information for the individual customer group, profitability information for the individual customer group, non-subscription account profitability information, new subscription account profitability information for the individual customer group according to the embodiment of the present invention For example, it illustrates the operation flow of the system for calculating the profitability of the personal customer group, which includes at least one profitability information of the new subscription fee for the individual customer group.

Figure 4 shows the system configuration for calculating the profitability of the PB customer group teller according to the embodiment of the present invention.

Figure 5 is a subscription account profitability information for PB customer group, PB customer group subscription non-account profitability information, PB customer group profitability information for PB customer group according to the implementation method of the present invention In this case, the operation flow of the system for calculating the profitability of the PB customer group including at least one profitability information of the new subscription fee account for the PB customer group is shown.

Figure 6 shows a system configuration for calculating the profitability of the employee of the special customer group window according to the embodiment of the present invention.

7 is a subscription account profitability information for the special customer group, profitability information for the special customer group, non-subscription account profitability information, new subscription account profitability information for the special customer group according to the method of the present invention For example, it illustrates the operation flow of the system for calculating the profitability of the special customer group, which includes at least one profitability information of the new subscription fee for the special customer group.

8 is a diagram illustrating a system configuration for calculating profitability of an employee of a company customer group window according to an embodiment of the present invention.

9 is a subscription account profitability information for a corporate customer group, a profit margin information for a subscription account for a corporate customer group, a new subscription account profitability information for a corporate customer group according to an embodiment of the present invention For example, it illustrates the operation flow of the system for calculating the profitability of the corporate customer group, which includes at least one profitability information of the new subscription fee for the corporate customer group.

Figure 10 shows the system configuration for calculating the profitability of the window staff according to age according to the embodiment of the present invention.

Figure 11 is made by including at least one age-based subscription account profitability information, age-specific subscription account profitability information, age-specific subscription account profitability information, age-specific subscription account profitability information for calculating the profitability of the age teller according to the embodiment of the present invention It shows the operation flow of the system for calculating profitability by age.

Figure 12 shows the system configuration for calculating the profitability of the window staff according to the embodiment of the present invention.

FIG. 13 includes at least one regional subscription account profitability information, regional subscription fee account profitability information, regional subscription account profitability information, and regional subscription subscription profitability information according to an embodiment of the present invention. It shows the operation flow of the system for calculating profitability by region.

Figure 14 shows the system configuration for calculating the profitability of the gender teller according to the embodiment of the present invention.

FIG. 15 includes at least one gender joining account profitability information, a gender joining account profitability information, a new gender joining account profitability information, and a gender new joining account profitability information for calculating profitability of a gender teller according to an embodiment of the present invention. It shows the operation flow of the system for calculating gender profitability.

Figure 16 shows the system configuration for calculating the profitability of the window staff by occupation according to the embodiment of the present invention.

Figure 17 is a job accounting account profitability information, job subscription fee account profitability information, job registration fee account profitability information, job registration account profitability information, job registration fee account profitability information at least to calculate the profitability of the teller window by job according to the embodiment of the present invention It shows the operation flow of the system for calculating profitability by occupation including one or more.

FIG. 18 illustrates a configuration of an integrated profitability result calculation system incorporating profitability information calculated by each server according to an exemplary embodiment of the present invention.

Figure 19 shows the individual customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age-specific profitability information, regional profitability for integrated profitability calculation by branch or organization according to the embodiment of the present invention It shows the operation flow of the system for calculating profitability by branch or organization comprising at least one of information, gender profitability information, occupational profitability information.

<Description of main parts of drawing>

100: integrated profitability calculation server 105: individual customer group profitability calculation server

110: special customer group profitability calculation server 115: age-specific profitability calculation server

120: gender profit calculation server 125: PB customer group profit calculation server

130: corporate customer group profitability calculation server 135: regional profitability calculation server

140: financial system 145: financial system

150: foreign system 155: account system

160: information system 165: interface module (middleware)

170: DBMS

The present invention includes a ledger database for storing customer financial information including at least one account product and a non-account product for each customer, and at least one customer financial information belonging to a predetermined personal customer group from the ledger database. A personal customer group profitability calculation server that calculates profitability information including operating profit for a group customer, and the PB (Private) by extracting at least one customer financial information belonging to a predetermined PB customer group from the ledger database. Bank (PB) customer group profitability calculation server that calculates profitability information including operating profits for customer group customers, and extracts at least one customer financial information belonging to a predetermined special customer group from the ledger database. Includes operating income for customers in special customer groups A special customer group profitability calculation server that calculates profitability information, and extracts at least one customer financial information belonging to a predetermined corporate customer group from the ledger database to calculate profitability information including operating profits for the corporate customer group customers. It relates to a customer customer profitability calculation system having a corporate customer group profitability calculation server and an integrated profitability calculation server for calculating profitability information for each customer by summing at least one or more profitability information corresponding to a specific customer of the calculated profitability information.

In recent years, as the economic environment has greatly improved, financial companies such as banks are getting bigger and bigger, and accordingly, the size of financial companies has increased, and many organizations have been created for large-scale businesses. Increasingly, the number of branch offices has increased to serve customers for the company.

In this situation, as the number of unit points increases, many customers use financial institutions, and demand for calculating customer (group) profitability and target marketing by customer (group) for many customers is increasing.

In order to reinforce this problem, some financial companies have attempted to analyze the profitability at the unit level (application number: 10-2005-0133760).

However, such a unit-level profitability analysis may be useful for calculating the profitability of a unit point, but in practice, a valuable profitability calculation may be based on the profitability of the employees who directly deal with the customer at the unit point rather than the unit point. It is meaningless without considering the profitability of the group), and in addition to the unit point, the object that can calculate profitability in the financial company should be regarded as covering all the business areas of the financial company. It involves difficult problems in calculating the true profitability of a company.

An object of the present invention for solving the above problems is to extract at least one customer financial information belonging to a predetermined personal customer group from the ledger database for storing customer financial information including at least one or more account products and non-account products for each customer A personal customer group profitability calculation module for calculating profitability information including operating profits for the individual customer group customers, and extracting at least one customer financial information belonging to a predetermined private bank customer group from the ledger database Private bank (PB) customer group profitability calculation module for calculating profitability information including operating profit for the private bank customer group customer, and at least one customer financial information belonging to a predetermined special customer group from the ledger database. Extract the sales for the special customer group customers Special customer group profitability calculation module for calculating profitability information including profits; and profitability information including operating profits for the corporate customer group customers by extracting at least one or more customer financial information belonging to a predetermined corporate customer group from the ledger database; A profitability calculation server for each customer having a profitability calculation module for calculating a profitability and an integrated profitability calculation module for calculating integrated profitability information for each customer by summing at least one profitability information corresponding to a specific customer among the calculated profitability information; In providing.

In accordance with the present invention, a method of calculating profitability for each customer includes extracting customer financial information of a specific customer from a ledger database storing customer financial information including at least one account product and a non-account product for each customer in a predetermined information extracting means. And analyzing the extracted customer financial information in a predetermined profitability calculation means to include profitability information including operating profit for a predetermined individual customer group customer and operating profit for a predetermined private bank (PB) customer group customer. Calculating at least one or more profitability information including profitability information including operating profits for a predetermined special customer group customer, and profitability information including operating profits for a predetermined corporate customer group customer; Storing the stored profitability information in association with the customer information in a predetermined storage medium. It characterized by comprising.

On the other hand, the present invention includes a recording medium, characterized in that for recording the program for executing the above-described profitability calculation method for each customer.

On the other hand, the customer-specific profitability calculation system according to the present invention, the ledger database for storing customer financial information including at least one or more account products and non-account products for each customer, and at least one belonging to a predetermined personal customer group from the ledger database A personal customer group profitability calculation server for extracting the above customer financial information and calculating profitability information including operating profits for the individual customer group customers, and at least one belonging to a predetermined private bank customer group from the ledger database A private bank (PB) customer group profitability calculation server that extracts customer financial information and calculates profitability information including operating profit for the private bank (PB) customer group customer, and a predetermined special customer group from the ledger database. Extract at least one customer financial information belonging to A special customer group profitability calculation server that calculates profitability information including operating profits for a special customer group customer, and extracts at least one customer financial information belonging to a predetermined corporate customer group from the ledger database to the corporate customer group customer. Corporate customer group profitability calculation server for calculating profitability information including the operating profit for the business and integrated profitability calculation server for calculating profitability information for each customer by combining at least one or more profitability information corresponding to a specific customer of the calculated profitability information; Characterized in that made.

According to the present invention, the integrated profitability calculation server is characterized in that it further comprises reading the customer-specific profitability information to identify the employee or organization information that can improve the profitability of the customer.

According to the present invention, the profitability calculation system for each customer extracts at least one or more customer financial information belonging to a predetermined age group from the ledger database to calculate profitability information including operating profit for the age group customer. A calculation server, a regional group profitability calculation server for extracting at least one or more customer financial information belonging to a predetermined regional group from the ledger database to calculate profitability information including operating profits for the regional group customers, and a predetermined value from the ledger database At least one customer belonging to a job group from a gender group profitability calculation server and the ledger database to extract at least one customer financial information belonging to the sex group of the to calculate profitability information including operating profits to the sex group customer At least one job group profitability calculation server for extracting financial information to calculate profitability information including operating profits to the job group customer is characterized in that it comprises at least one.

On the other hand, the customer-specific profitability calculation server according to the present invention, at least one customer financial information belonging to a predetermined personal customer group from the ledger database for storing customer financial information including at least one or more account products and non-account products for each customer Extracts a personal customer group profitability calculation module for calculating profitability information including operating profits for the individual customer group customers, and extracts at least one customer financial information belonging to a predetermined private bank customer group from the ledger database Private bank (PB) customer group profitability calculation module for calculating profitability information including operating profit for the private bank customer group customer, and at least one customer finance belonging to a specific special customer group from the ledger database. Extract the information to the customer of the special customer group Special customer group profitability calculation module for calculating profitability information including profits, and profitability including operating profit for the enterprise customer group customers by extracting at least one customer financial information belonging to a predetermined corporate customer group from the ledger database Comprising a corporate customer group profitability calculation module for calculating information and an integrated profitability calculation module for calculating the integrated profitability information for each customer by summing at least one profitability information corresponding to a specific customer of the calculated profitability information do.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also omitted as described above The relationship between the components and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

Figure 1 shows the configuration of the entire system for calculating the target marketing information for each customer (group) and operation of the calculation result according to the embodiment of the present invention.

In more detail, Figure 1 divides the profitability calculation unit into eight, calculates the profitability per unit in each of the eight servers, and calculates the results from the eight servers to calculate the profitability for each customer (group) according to the counter staff. As a system showing a system for operating profitability calculation results through the integrated profitability calculation server 100, those skilled in the art to which the present invention pertains, refer to FIG. Various implementation methods for operating the calculations and calculation results may be inferred, but the present invention is not limited to the drawing 1, but includes all the implementation methods inferred.

Referring to Figure 1 according to the embodiment of the present invention, the entire system for calculating the profitability of each customer (group) according to the window staff and operating the calculation result is the individual customer group profitability calculation server 105, PB customer group profitability calculation server ( 125), special customer group profit calculation server (110), corporate customer group profit calculation server (130), age-based profit calculation server (115), regional profit calculation server (135), gender profit calculation server (120), profitability by job It is characterized in that the calculation server 140, integrated profitability calculation server 100, the financial system 145 is provided.

In addition, individual customer group profitability calculation server 105, PB customer group profitability calculation server 125, special customer group profitability calculation server 110, corporate customer group profitability calculation server 130, age-specific profitability calculation server 115, Regional profitability calculation server 135, gender profitability calculation server 120, occupational profitability calculation server 140, integrated profitability calculation server 100 may be provided inside the financial system 145, financial system 145 It may be provided outside the).

In addition, individual customer group profitability calculation server 105, PB customer group profitability calculation server 125, special customer group profitability calculation server 110, corporate customer group profitability calculation server 130, age-specific profitability calculation server 115, Regional profitability calculation server 135, gender profitability calculation server 120, occupational profitability calculation server 140, integrated profitability calculation server 100 may be provided in the form of a module in one server.

Here, the integrated server is connected to the external system 150 of the financial system 145, the information receiving unit (or information receiving means) for receiving information of the individual customer group receiving information from the ledger D / B, PB customer group Information receiving unit for receiving information, Information receiving unit for receiving information of special customer group, Information receiving unit for receiving information of corporate customer group, Information receiving unit for receiving age-specific information, Information receiving unit for receiving regional information, Gender information receiving At least one information receiving unit for receiving the information receiving unit, the information receiving unit for receiving job-specific information is characterized in that it is made.

In addition, the integrated server is an information extraction unit (or information extraction means) for extracting information on the individual customer group of the information received from the information receiving unit, the information extraction unit for extracting the information for the PB customer group, special customer group Information extraction unit for extracting information about the customer, information extraction unit for extracting information about the corporate customer group, information extraction unit for extracting age-specific information, information extraction unit for extracting regional information, information extraction unit for extracting gender information, occupation Characterized in that it comprises at least one information extraction unit for extracting the star information.

In addition, the integrated server is an information verification unit (or information verification means) for confirming the profitability information for the individual customer group of the information extracted by the information extraction unit, information confirmation unit for confirming the profitability information for the PB customer group, special customers Information checking unit to check profitability information for the group, information checking unit to check profitability information by age, information checking unit to check regional profitability information, information checking unit to check gender profitability information, and information to check profitability information by occupation Characterized in that it comprises at least one confirmation unit.

In addition, the integrated server may include a profitability calculation unit (or profitability calculation unit) for calculating profitability information for an individual customer group among information checked by the information confirmation unit, a profitability calculation unit for calculating profitability information for a PB customer group, and a special customer. Profitability calculation section that calculates profitability information for groups, profitability calculation section that calculates profitability information for corporate customer groups, profitability calculation section that calculates profitability information by age, profitability calculation section that calculates regional profitability information, and gender profitability information. It is characterized in that it comprises at least one or more profitability calculation unit for calculating the profitability calculation unit for calculating the profitability information for each job.

In addition, the profitability calculation unit, the individual customer group profitability calculation results, PB customer group profitability calculation results, special customer group profitability calculation results, corporate customer group profitability calculation results, age-specific profitability calculation results, regional profitability calculation results, gender profitability calculation results, Integrating the profitability calculation results for each job is characterized by comprising at least one or more functions to calculate the profitability for each customer (group) for the employee.

In addition, the integrated server is an information storage unit (or information storage means) for storing the profitability information calculated by the profitability calculation unit in the individual customer group profitability calculation information D / B, the PB customer group profitability calculation information D / B Information storage unit, information storage unit to store the special customer group profitability calculation information D / B, information storage unit to store the corporate customer group profitability calculation information D / B, information storage unit to store profitability calculation information D / B by age, And at least one information storage unit for storing profitability calculation information D / B for each region, an information storage unit for storing gender profitability calculation information D / B, and an information storage unit for storing profitability calculation information D / B for each job. It is done.

In addition, the integrated server may include a D / B server and a communication network having a D / B storing profitability calculation results for each channel / employee or a D / B storing profitability calculation results for each channel / employee. It is linked through.

According to an embodiment of the present invention, the individual customer group profitability calculation server 105 may calculate profitability by account products or non-account products of the individual customer group, or profitability by joining new account products or new non-account products of the individual customer group. It is characterized by providing a calculation function.

In addition, the subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

In addition, the subscription account information preferably comprises at least one non-account information subscribed to by customers such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

According to an embodiment of the present invention, the PB customer group profitability calculation server 125 may calculate profitability by accounting products or non-accounting products of the PB customer group, or profitability by joining new account products or new non-accounting products of the PB customer group. It is characterized by providing a calculation function.

According to the implementation method of the present invention, the special customer group profitability calculation server 110 calculates the profitability by the account product or non-account product of the special customer group or the profitability by joining a new account product or a new non-account product of the special customer group. It is characterized by providing a calculation function.

According to the implementation method of the present invention, the corporate customer group profitability calculation server 130 calculates the profitability by the account product or non-account product of the enterprise customer group or the profitability of joining a new account product or new non-account product of the corporate customer group It is characterized by providing a calculation function.

According to the implementation method of the present invention, the age-based profitability calculation server 115 provides a profitability calculation function according to age-based accounting products or non-accounting product profitability calculation or age-specific new accounting products or new non-accounting product subscription. It is done.

According to an embodiment of the present invention, the regional profitability calculation server 135 provides a profitability calculation function according to a regional account product or a non-account product profitability calculation or a regional new account product or a new non-account product subscription. It is done.

According to an embodiment of the present invention, the gender profit calculation server 120 provides a profitability calculation function according to a gender account product or a non-account product profit calculation or a new account product or new non-account product signup according to gender. Characterized in that.

According to the implementation method of the present invention, the profitability calculation server 140 for each job provides a profitability calculation function according to a profitability calculation by a job account product or a non-account product or a new account product or a new non-account product subscription by job. Characterized in that.

According to an embodiment of the present invention, the integrated profitability calculation server 100 may include profitability information calculated by the individual customer group profitability calculation server 105 or profitability information calculated by the PB customer group profitability calculation server 125. Profitability information calculated by the special customer group profitability calculation server 110, profitability information calculated by the corporate customer group profitability calculation server 130, profitability information calculated by the age-specific profitability calculation server 115, Or provide an integrated profitability calculation function comprising at least one profitability calculation server 140, a profitability information calculated by gender profitability calculation server 120, or a profitability information calculated by job profitability calculation server 140. Characterized in that.

According to an embodiment of the present invention, the financial system 145 is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Characterized in that, through the counter terminal provides a financial transaction service of face to face at least one financial transaction customer.

In addition, the financial system 145 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network) and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 145 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based network connected to the TCP / IP-based backbone network through the Internet banking server) At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 145 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system 145 is characterized in that it is associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) At least one or more through at least one wireless terminal (e.g., a wireless terminal having a financial IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to financial transaction customers.

In addition, the financial system 145 is characterized in that associated with a predetermined telebanking server, and is connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 145 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV connected to the home network and / Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system 145 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 1, the financial system 145 is provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. As a computer system, an accounting system 155 for processing a window service such as a credit or a reception or a trust or a foreign exchange occurring in at least one branch (or a window), processing of the headquarters business, branch office information support, and customer information management Interconnection between the information system 160, the financial system 145 and at least one other financial system 145 (and / or payment system), and / or at least one non-face-to-face provided in at least one external communication network. The financial in the means of financial transactions (e.g., internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) And an external system 150 which provides access to the system 145 and / or various financial transaction interfaces through at least one common network (e.g., CD common network, financial common network). The financial system 145 is an interface module corresponding to a middleware platform that provides inter-component interfacing between the components of the financial system 145 and required for each function in each component of the financial system 145. And a DBMS 170 (DataBase Management System) including at least one database for storing and managing predetermined information (eg, ledger information, and / or customer information, and / or management information). It features.

In addition, the financial system 145 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 145 and the purpose of the financial system 145. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 145, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

Figure 2 shows the system configuration for calculating the profitability of the individual customer group teller according to the embodiment of the present invention.

More specifically, Figure 2 shows customer information 205 (e.g., social security number, etc.), one or more subscription account information 210 (e.g., savings account, savings account, etc.) or subscription cost information ( 215) (e.g., foreign exchange products (export goods such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), collateral services (exchanges, etc.), subscription accounts or subscription fees The employee information in charge of the account, the new subscription account information (210) or the new subscription cost information (215), the new subscription account information (210) or the new employee information processing the account information 215 is extracted, the extraction Figure 2 shows the internal configuration of a system for calculating profitability for each employee by extracting information about an individual customer group from the collected information, and a person having ordinary knowledge in the field to which the present invention belongs, FIG. With reference to Various implementation methods of the system for calculating the profitability of the individual customer group may be inferred, but the present invention is not limited to the drawing 2, but includes all the implementation methods inferred.

Here, the customer information 205 preferably includes at least one or more information such as a social security number, a customer information file (CIF), a customer name, a landline telephone number, a wireless telephone number, and the like.

In addition, the subscription account information 210 preferably comprises at least one or more information about the account that the customer, such as savings account, savings account, etc. subscribed.

In addition, the subscription non-account information 215 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

According to the implementation method of the present invention, the profitability calculation system of the employee of the individual customer group teller is based on the profitability calculation by the account product or the non-account product of the individual customer group or the profitability of the new account product or the new non-account product subscription of the individual customer group At least one financial transaction (eg, credit, receiving, currency exchange) through the personal customer group profitability calculation server 105, at least one face-to-face or non-face-to-face financial transaction channel provided in the branch (or branch) of the financial institution for calculating , Foreign exchange remittance, financial investment, etc.) is provided with a financial system 145 for providing a service.

Here, the account product is preferably made of one or more products, such as savings accounts, savings accounts, loan accounts.

In addition, the non-account product is preferably made of one or more products, such as foreign exchange products, derivatives, securities, collateral services.

The personal customer group profitability calculation server 105 may include customer information 205, one or more subscription account information 210 or one or more subscription cost account information 215 associated with the customer information 205, the subscription account or subscription cost account. It is preferable to extract employee information, new subscription account information 210 or new subscription cost account information 215 from the financial system 145 to check the profitability of individual customer groups for each employee based on the employee information. 2, the profitability of the individual customer group is made up of the profit for the individual customer group including the operating profit less the revenue generation cost of the individual customer group required for the generation of the revenue; The revenue generation cost is for the employee who sells to the customer a product containing at least one account product or non-account product to which the customer subscribes. It is preferable to include at least one or more of costs, such as contact costs and overhead costs.

It is preferable that the direct costs mean labor costs, labor costs, marketing costs, other goods costs, eastern estate maintenance costs, retirement allowances, depreciation expenses, and manufacturing costs.

The overhead cost preferably refers to expenses such as personnel expenses, post-salary living expenses, eastern estate management expenses, and financial planning expenses.

The individual customer profitability calculation server 105 includes a separate D / B server having a D / B for storing the profitability calculation result of the individual customer group or a D / B for storing the profitability calculation result of the individual customer group; It is interlocked through the network.

Referring to FIG. 2, the personal customer group profitability calculation server 105 receives an information from the ledger D / B 200 in association with the external system 150 of the financial system 145. (Or information receiving means), information extraction unit 230 (or information extraction means) for extracting the necessary information from the information received from the ledger D / B (200), among the information extracted from the ledger D / B (200) Information confirmation unit 235 (or information confirmation means) for confirming the profitability information, profitability calculation unit 240 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, the profitability calculation information D / B And an information storage unit (or information storage means) stored in the storage device.

Here, the ledger D / B 200 is a D / B provided in the financial system 145. The ledger D / B 200 includes customer information 205 and account information necessary for calculating profitability for an individual customer group. (210), non-account information (215), and staff information 220 is preferably made.

According to the exemplary embodiment of the present invention, the information receiving unit 225 may include the customer information 205, the account information 210 and the account staff information 220 registered by the customer, or the non-account information 215 subscribed to the customer. ) And the non-account staff information 220 or the new subscription account information 210 and the new subscription account staff information 220 for the account newly registered by the customer or the new subscription non-account information ( 215) and information regarding at least one of the new subscription account staff information 220 is provided with ledger information from the ledger D / B 200 in association with the external system 150 of the financial system 145 to extract the information. Provided to section 230.

Here, the ledger information is customer information 205, account information 210, and non-account information 215 that the individual customer group profitability calculation server 105 requests from the financial system 145 to calculate profitability for the individual customer group. It is preferable that the employee information 220 included.

According to an exemplary embodiment of the present invention, the information extracting unit 230 may include the customer information 205 received from the information receiving unit 225, one or more subscription account information 210 associated with the customer information 205, or a subscription fee. The account information 215, the employee information in charge of the subscription account or subscription account, extracts the information on the individual customer group to provide to the information verification unit 235, or the information received by the information receiving unit 225 The customer information 205, the new subscription account information 210 or the new subscription cost information 215 associated with the customer information 205, the employee information for managing the new subscription account or the new subscription costs account for the individual customer group Information is extracted and provided to the information checking unit 235.

According to the exemplary embodiment of the present invention, the information checking unit 235 may include the customer information 205 extracted from the information extracting unit 230, one or more subscription account information 210 associated with the customer information 205, or a subscription fee. From account information 215, employee information in charge of the subscription account or subscription account, the information on the individual customer group subscription profitability information or non-account profitability information, or the customer information extracted from the information extraction unit 230 ( 205, new subscription account information 210 or new subscription fee information 215 associated with the customer information 205, the new member account information of the management of the new subscription account or the new subscription fee account is new in the information on the individual customer group The subscription account profitability information or the new subscription ratio account profitability information is checked and provided to the information storage unit 245 and the profitability calculation unit 240.

According to an embodiment of the present invention, the employee / organization confirmation unit reads profitability information of a specific customer among the customers belonging to the individual customer group to check the type of employee / organization suitable for the customer, and associates with the customer ledger of the financial system 145. Receiving the customer's address information and the like, confirming a point adjacent to the customer based on the customer address, checking a point adjacent to the customer address among the identified points, and an employee suitable for the customer at the confirmed point. Check the / organization and provide the identified employee / organization information to the information storage unit 245.

Here, the information on the appropriate employee / organization for the customer is information such as new credit products when the profitability through a credit for a specific customer (group), new reception when the profitability through a specific customer (group) is high It is preferable to include at least one of information such as a product.

The profitability calculation unit 240 is a subscription account profitability information for the individual customer group provided by the information verification unit 235 or a subscription cost account profitability information for the individual customer group or new subscription account profitability information for the individual customer group or Profitability is calculated by linking profitability information of several individual customer groups including at least one new subscription non-account profitability information for the customer group, and provides the information storage unit with the profitability information for the calculated individual customer groups. do.

According to the implementation method of the present invention, the profitability calculation unit 240 borrows the deposit for the savings account or savings account from the subscription account information for the individual customer group and receives interest, such as interest income or loan interest income for the loan account, etc. It is desirable to calculate profitability information.

Here, it is preferable that the subscription account profitability information for the individual customer group includes at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

In addition, the profitability calculation unit 240 in the subscription fee account information for the individual customer group, the handling fee for the foreign exchange product transaction, the handling fee for the derivatives or the operating fee for the derivatives or handling fees for the securities or ancillary services It is desirable to calculate profitability information, such as handling fees.

The profitability information of the subscription account for the individual customer group may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services. It is preferable.

In addition, the profitability information of the new subscription account for the individual customer group includes the potential interest profitability and the potential interest profitability for the new loan or savings account or new interest saving account It is desirable to calculate profitability information such as loan handling fees for loans.

In this case, the profitability information of the new subscription account for the individual customer group may include the potential interest profitability or the potential interest profitability for new loans or loans for new loans or savings on new savings accounts. It is preferable to include at least one or more loan handling fees for the loan.

In addition, the new subscription fee account profitability information for the individual customer group may include a handling fee for a new foreign exchange transaction or a handling fee for a new derivative product subscription or a potential operating fee for a new derivative product subscription or a handling fee for a new securities transaction. It is desirable to calculate profitability information such as the above.

In this case, the new subscription fee account profitability information for the individual customer group may include a handling fee for a new foreign exchange product transaction, a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is preferable to include at least one or more.

According to the method of the present invention, the information storage unit stores the profitability information provided by the profitability calculation unit 240 in the D / B provided in the individual customer group profit calculation server 105, or the profitability calculation unit 240 It is linked with a separate D / B server having a D / B for storing profitability information provided by the communication network.

According to the implementation method of the present invention, the financial system 145 is linked to the personal customer group profitability calculation server 105 in connection with the ledger D / B 200 in the financial system 145, the individual customer It provides a function for providing to the group profitability calculation server 105, and detailed description of the internal configuration has been described with reference to Figure 1, it will be omitted.

Further, the ledger information for the ledger D / B 200 of the financial system 145 includes more information than the information shown in the ledger D / B 200 of the financial system 145 shown in FIG. Only the information for calculating customer group profitability is shown.

Figure 3 is a subscription account profitability information for individual customer groups, profitability information for individual customer groups, new subscription account profitability information for individual customer groups according to the implementation method of the present invention For example, it illustrates the operation flow of the system for calculating the profitability of the personal customer group, which includes at least one profitability information of the new subscription fee for the individual customer group.

In more detail, Figure 3 shows the ledger information from the ledger D / B (200) of the financial system 145 shown in Figure 1 and the individual customer through the individual customer group profitability calculation server 105 shown in Figure 2 The above five conditions of the group (subscription account profitability information for individual customer groups, subscription account profitability information for individual customer groups, new subscription account profitability information for individual customer groups, new subscription non-account profitability information for individual customer groups) Regarding the process of confirming the profitability information and storing and registering in the D / B of the individual customer group profitability calculation server 105, the person having ordinary knowledge in the field to which the present invention belongs, Various implementation methods of the system for calculating the profitability of the customer group may be inferred, but the present invention is not limited to the drawing 3, but includes all the implementation methods inferred. The.

In addition, in the method of operating the profitability calculation result in FIG. 3, the profitability information of the individual customer group is read to confirm the type of employee / organization suitable for the customer, and the customer is linked with the customer ledger of the financial system 145. Receiving address information, such as to confirm the point of close proximity to the customer based on the customer address, the point of confirmation close to the customer address of the confirmed point, and the employee / organization suitable for the customer at the confirmed point The confirmation process may be further included after profitability calculation, and will be omitted for convenience in the detailed flowchart below.

Hereinafter, in FIG. 3, the personal customer group profitability calculation server 105 shown in FIG. 2 is referred to as a “server” for convenience.

Referring to FIG. 3A, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 200 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 200 to the server (300a).

Here, the ledger information is stored in the ledger D / B 200 of the financial system 145, registered customer information 205, subscription account information 210 associated with the customer information 205, the subscription account described above It is desirable to mean employee information in charge.

In addition, the customer information 205 preferably comprises at least one or more information, such as resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 210 preferably comprises at least one or more information about the account that the customer, such as savings account, savings account, etc. subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription account information 210 from the ledger information and extracts the information on the individual customer group from the subscription account information 210 ( 305a).

If the information on the groups other than the individual customer group is extracted from the subscription account information 210, processing is performed by referring to the drawings shown below according to each group, and in FIG. 3a, only the portion of the individual customer group is processed. (310a).

Thereafter, the server checks the profitability information of the subscription account corresponding to the individual customer group (315a), and stores and registers the checked profitability information in the server D / B (320a).

Here, it is preferable that the subscription account profitability information for the individual customer group includes at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

Referring to FIG. 3B, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 200 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 200 to the server (300b).

Here, the ledger information is stored in the ledger D / B 200 of the financial system 145, registered customer information 205, subscription cost account information 215 associated with the customer information 205, the subscription fee account It is desirable to mean employee information in charge.

In addition, the customer information 205 preferably comprises at least one or more information, such as resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription non-account information 215 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription ratio account information 215 from the ledger information and extracts the information on the individual customer group from the subscription ratio account information 215 ( 305b).

If the information about the groups other than the individual customer group is extracted from the subscription account information 210, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 3b, only the portion of the individual customer group is processed. (310b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the individual customer group (315b), and stores and registers the checked profitability information in the server D / B (320b).

The profitability information of the subscription account for the individual customer group may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for securities, and a handling fee for ancillary services. It is preferable.

Referring to FIG. 3c, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 200 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 200 to the server (300c).

Here, the ledger information is stored in the ledger D / B 200 of the financial system 145, registered customer information 205, new subscription account information 210 associated with the customer information 205, the new It is preferable to mean the employee information in charge of the subscription account.

In addition, the customer information 205 preferably comprises at least one or more information, such as resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 210 preferably comprises at least one or more information about the account that the customer, such as savings account, savings account, etc. subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the new subscription account information 210 from the ledger information, and extracts the information on the individual customer group from the new subscription account information 210. (305c).

If the information on the groups other than the individual customer group is extracted from the subscription account information 210, the process is described with reference to the drawings shown below according to each group, and in FIG. 3c, only the portion of the individual customer group is processed. (310c).

Thereafter, the server checks the new subscription account profitability information corresponding to the individual customer group (315c), and stores and registers the checked profitability information in the server D / B (320c).

Here, the profitability information of the new subscription account for the individual customer group includes the potential interest profitability to borrow and deposit interest on the newly added savings account or the newly subscribed savings account or the potential interest profitability or the new loan on the new loan. It is preferable to include at least one or more loan handling fees for.

Referring to FIG. 3D, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 200 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 200 to the server (300d).

Here, the ledger information is stored in the ledger D / B 200 of the financial system 145, registered customer information 205, new subscription ratio account information 215 associated with the customer information 205, the new It is preferable to mean the employee information in charge of the subscription account.

In addition, the customer information 205 preferably comprises at least one or more information, such as resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription non-account information 215 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the new subscription fee account information 215 from the ledger information, and extracts the information on the individual customer group from the new subscription fee account information 215. (305d).

If the information on the groups other than the individual customer group is extracted from the subscription account information 210, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 3d, only the portion of the individual customer group is processed. (310d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the individual customer group (320d), and stores and registers the confirmed profitability information in the server D / B (325d).

Herein, the profitability information of the new subscription fee for the individual customer group may include a handling fee according to a new foreign exchange transaction, a handling fee for joining a new derivative, a potential operation fee for joining a new derivative, or a handling fee for a new securities transaction. It is preferable to include at least one.

Figure 4 shows the system configuration for calculating the profitability of the PB customer group teller according to the embodiment of the present invention.

In more detail, Figure 4 shows customer information 405 (eg, social security number, etc.), one or more subscription account information 410 (eg, savings account, savings account, etc.) or subscription cost information ( 415) (e.g., foreign exchange products (export goods such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), collateral services (exchanges, etc.), subscription accounts or subscription fees Extract the employee information in charge of the account information, the new subscription account information 410 or the new subscription account information (415), the new subscription account information 410 or the new subscription account information (415) processing the account information, the extraction Figure 4 shows the internal configuration of a system for calculating profitability for each PB customer group by extracting information about the PB customer group from the collected information, and if the person having ordinary knowledge in the field of the present invention belongs to this figure 4 Refer to the PB customer Of would be able to infer a variety of embodiment of the system for calculating profitability, the invention is not limited to the figure 4, it includes all embodiments in which the inference method.

Here, the customer information 405 preferably comprises at least one information such as a social security number, a customer information file (CIF), a customer name, a landline telephone number, a wireless telephone number.

In addition, the subscription account information 410 preferably comprises at least one or more information about the account, such as a savings account, savings account, etc., the customer subscribed.

In addition, the subscription account information 415 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

According to the method of the present invention, the profitability calculation system of the employee of the PB customer group teller is based on the profitability calculation of the account product or the non-account product of the PB customer group or the profitability of joining the new account product or the new non-account product of the PB customer group. At least one financial transaction (eg, credit, reception, currency exchange) through the PB customer group profitability calculation server 125, at least one face-to-face or non-face-to-face financial transaction channel provided at a branch (or branch) of a financial institution , Foreign exchange remittance, financial investment, etc.) is provided with a financial system 145 for providing a service.

Here, the account product is preferably made of one or more products, such as savings accounts, savings accounts, loan accounts.

In addition, the non-account product is preferably made of one or more products, such as foreign exchange products, derivatives, securities, collateral services.

The PB customer group profitability calculation server 125 may include customer information 405, one or more subscription account information 410 or one or more subscription cost account information 415 associated with the customer information 405, the subscription account or subscription account. It is preferable to extract the employee information, new subscription account information 410 or new subscription cost account information 415 in charge from the financial system 145 to check the profitability of the PB customer group for each employee based on the employee information. Referring to FIG. 4, the profitability of the PB customer group includes an operating profit less the revenue generation cost of the PB customer group required for generating the profit from the profit for the PB customer group. The revenue generation costs are direct and indirect costs for employees who sell products to customers, including at least one account product or non-account product to which the customer subscribes. That the cost of which comprises at least one are preferred.

It is preferable that the direct costs mean labor costs, labor costs, marketing costs, other goods costs, eastern estate maintenance costs, retirement allowances, depreciation expenses, and manufacturing costs.

The overhead cost preferably refers to expenses such as personnel expenses, post-salary living expenses, eastern estate management expenses, and financial planning expenses.

The PB customer profit calculation server 125 may include a separate D / B server having a D / B for storing the profitability calculation result of the PB customer group or a D / B for storing the profitability calculation result of the PB customer group. It is interlocked through the network.

Referring to FIG. 4, the PB customer group profitability calculation server 125 receives an information from the ledger D / B 400 in association with the external system 150 of the financial system 145. (Or information receiving means), information extraction unit 430 (or information extraction means) for extracting the necessary information from the information received from the ledger D / B 400, among the information extracted from the ledger D / B 400 Information confirmation unit 435 (or information confirmation means) for confirming the profitability information, profitability calculation unit 440 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, the profitability calculation information D / B And an information storage unit 445 (or information storage means) stored in the storage device.

Here, the ledger D / B 400 is a D / B provided in the financial system 145. The ledger D / B 400 includes customer information 405 and account information necessary for calculating profitability for the PB customer group. 410, the non-account information 415, the employee information 420 is preferably included.

According to the exemplary embodiment of the present invention, the information receiving unit 425 may include the customer information 405, the account information 410 and the account employee information 420 subscribed to the customer, or the non-account information 415 subscribed to the customer. ) And non-account staff information (420) or new subscription account information (410) and new subscription account staff information (420) for the account newly registered by the customer or new subscription account information newly registered by the customer Receiving the ledger information from the ledger D / B 400 in association with the external system 150 of the financial system 145, the information including at least one (415) and the new subscription account staff information (420) It provides to the extraction unit 430.

Here, the ledger information is customer information 405, account information 410, non-account information 415, which is requested from the PB customer group profitability calculation server 125 to the financial system 145 to calculate profitability for the PB customer group. In addition, it is preferable to include a staff information 420 in charge.

According to the exemplary embodiment of the present invention, the information extracting unit 430 may include one or more subscription account information 410 or subscription fee associated with the customer information 405 and the customer information 405 received from the information receiving unit 425. Extract information about the PB customer group from the account information 415, the employee information in charge of the subscription account or subscription fee account to the information verification unit 435, or the information received from the information receiving unit 425 PB customer group of the customer information 405, the new subscription account information 410 associated with the customer information 405 or the new subscription ratio account information 415, the employee information for managing the new subscription account or new subscription ratio account Information is extracted and provided to the information checking unit 435.

According to the exemplary embodiment of the present invention, the information checking unit 435 may include the customer information 405 extracted from the information extracting unit 430, one or more subscription account information 410 associated with the customer information 405, or a subscription fee. The account information 415, the subscription account profitability information or non-account profitability information from the information on the PB customer group of the account information in charge of the subscription account or subscription account, or the customer information extracted from the information extraction unit 430 ( 405, new subscription account information 410 associated with the customer information 405, new subscription fee account information 415, and new information from the information on the PB customer group among the employee information managing the new subscription account or the new subscription fee account; The subscription account profitability information or the new subscription ratio account profitability information is checked and provided to the information storage unit 445 and the profitability calculation unit 440.

The profitability calculation unit 440 may include subscription account profitability information for the PB customer group or subscription ratio account profitability information for the PB customer group or new subscription account profitability information or PB for the PB customer group provided by the information checking unit 435. Profitability is calculated by linking with profitability information of various PB customer groups including at least one new subscription non-account profitability information for the customer group, and the information storage unit (10). 445).

According to the method of the present invention, the profitability calculation unit 440 borrows the deposit for the savings account or savings account from the subscription account information for the PB customer group and receives interest, such as interest income or loan interest income for the loan account. It is desirable to calculate profitability information.

Here, it is preferable that the subscription account profitability information for the PB customer group includes at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

In addition, the profitability calculation unit 440 is a handling fee for a foreign exchange product transaction or a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an additional service in a subscription fee account information for a PB customer group. It is desirable to calculate profitability information, such as handling fees.

Here, the subscription fee account profitability information for the PB customer group may include at least one of a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, or a handling fee for ancillary services. It is preferable.

In addition, the profitability information of the new subscription account for the PB customer group includes the potential interest profitability and the potential interest profitability for new loans and new loans or savings on new savings accounts. It is desirable to calculate profitability information such as loan handling fees for loans.

In this case, the profitability information of the new subscription account for the PB customer group may include the potential interest profitability or the potential interest profitability for new loans or loans for new loans or savings on new savings accounts. It is preferable to include at least one or more loan handling fees for the loan.

In addition, the profitability information of the new subscription fee for the PB customer group may include a handling fee for a new foreign exchange transaction or a handling fee for a new derivatives subscription, or a potential operating fee for a new derivatives subscription or a handling fee for a new securities transaction. It is desirable to calculate profitability information such as the above.

Herein, the new subscription fee account profitability information for the PB customer group may include a handling fee for a new foreign exchange product transaction, a handling fee for a new derivative product subscription, or a potential operating fee for a new derivative product subscription or a handling fee for a new securities transaction. It is preferable to include at least one or more.

According to an embodiment of the present invention, the employee / organization confirmation unit reads profitability information of a specific customer among customers belonging to the PB customer group to check the type of employee / organization suitable for the customer, and is linked with the customer ledger of the financial system 145. Receiving address information of the customer and the like, confirming a point adjacent to the customer based on the customer address, checking a point adjacent to the customer address among the identified points, and confirming a suitable point for the customer at the confirmed point. The employee / organization is checked to provide the identified employee / organization information to the information storage unit 445.

Here, the information on the appropriate employee / organization for the customer is information such as new credit products when the profitability through a credit for a specific customer (group), new reception when the profitability through a specific customer (group) is high It is preferable to include at least one of information such as a product.

According to an embodiment of the present invention, the information storage unit 445 stores the profitability information provided by the profitability calculation unit 440 in a D / B provided in the PB customer group profitability calculation server 125 or calculates the profitability. It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 440 through a communication network.

According to the implementation method of the present invention, the financial system 145 is linked to the PB customer group profitability calculation server 125 and the ledger information in connection with the ledger D / B 400 in the financial system 145 PB customer It provides a function for providing to the group profit calculation server 125, and detailed description of the internal configuration has been described with reference to Figure 1, it will be omitted.

In addition, the ledger information for the ledger D / B 400 of the financial system 145 has more information than the information shown in the ledger D / B 400 of the financial system 145 shown in Figure 4, PB Only the information for calculating customer group profitability is shown.

Fig. 5 shows profitability information of subscription accounts for PB customer groups, profitability information for subscription accounts for PB customer groups, and profitability information for new subscription accounts for PB customer groups according to the method of the present invention. In this case, the operation flow of the system for calculating the profitability of the PB customer group including at least one profitability information of the new subscription fee account for the PB customer group is shown.

In more detail, FIG. 5 shows the ledger information from the ledger D / B 400 of the financial system 145 shown in FIG. 1 and the PB customer through the PB customer group profitability calculation server 125 shown in FIG. On the above five conditions of the Group (subscription account profitability information for PB customer groups, profitability information for subscription accounts for PB customer groups, profitability information for new subscription accounts for PB customer groups, and profitability information for new subscription accounts for PB customer groups). This is about the process of storing and registering in the D / B of the PB customer group profitability calculation server 125 by checking the profitability information of the PB customer group. Various implementation methods of the system for calculating the profitability of the customer group may be inferred, but the present invention is not limited to the drawing 5 and includes all the inference methods.

In addition, in the method of operating the profitability calculation result in FIG. 5, the profitability information of the PB customer group is read to confirm the type of employee / organization suitable for the customer, and the customer is linked with the customer ledger of the financial system 145. Receiving address information, such as to confirm the point of close proximity to the customer based on the customer address, the point of confirmation close to the customer address of the confirmed point, and the employee / organization suitable for the customer at the confirmed point The confirmation process may be further included after profitability calculation, and will be omitted for convenience in the detailed flowchart below.

Hereinafter, in FIG. 5, the PB customer group profitability calculation server 125 illustrated in FIG. 4 is referred to as a “server” for convenience.

Referring to FIG. 5A, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 400 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 400 to the server (500a).

Here, the ledger information is stored in the ledger D / B 400 of the financial system 145, registered customer information 405, subscription account information 410 associated with the customer information 405, the subscription account It is desirable to mean employee information in charge.

In addition, the customer information 405 preferably comprises at least one or more information, such as resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 410 preferably comprises at least one or more information about the account, such as a savings account, savings account, etc., the customer subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription account information 410 from the ledger information and extracts the information on the PB customer group from the subscription account information 410 ( 505a).

If information about groups other than the PB customer group is extracted from the affiliated account information 410, processing is performed by referring to the drawings shown below according to each group, and in FIG. 5A, only the portion of the PB customer group is processed. 510a.

Thereafter, the server checks the profitability information of the subscription account corresponding to the PB customer group (515a), and stores and registers the confirmed profitability information in the server D / B (520a).

Here, it is preferable that the subscription account profitability information for the PB customer group includes at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

Referring to FIG. 5B, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 400 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 400 to the server (500b).

Here, the ledger information is stored in the ledger D / B 400 of the financial system 145, registered customer information 405, subscription cost account information 415 associated with the customer information 405, the subscription fee account It is desirable to mean employee information in charge.

In addition, the customer information 405 preferably comprises at least one or more information, such as resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 415 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription ratio account information 415 from the ledger information and extracts the information on the PB customer group from the subscription ratio account information 415 ( 505b).

If information about groups other than the PB customer group is extracted from the affiliated account information 410, processing is performed by referring to the drawings shown below according to each group, and in FIG. 5B, only the portion of the PB customer group is processed. 510b.

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the PB customer group (515b), and stores and registers the confirmed profitability information in the server D / B (520b).

Here, the subscription fee account profitability information for the PB customer group may include at least one of a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, or a handling fee for ancillary services. It is preferable.

Referring to FIG. 5C, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 400 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 400 to the server (500c).

Here, the ledger information is stored in the ledger D / B 400 of the financial system 145, registered customer information 405, new subscription account information 410 associated with the customer information 405, the new It is preferable to mean the employee information in charge of the subscription account.

In addition, the customer information 405 preferably comprises at least one or more information, such as resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 410 preferably comprises at least one or more information about the account, such as a savings account, savings account, etc., the customer subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the new subscription account information 410 from the ledger information, and extracts information on the PB customer group from the new subscription account information 410. 505c.

If information about groups other than the PB customer group is extracted from the subscription account information 410, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 5C, only the portion of the PB customer group is processed. 510c.

Thereafter, the server checks the new subscription account profitability information corresponding to the PB customer group (515c), and stores and registers the confirmed profitability information in the server D / B (520c).

Here, the profitability information of the new subscription account for the PB customer group includes the potential interest profitability to borrow and deposit interest on the newly registered savings account or the newly subscribed savings account, or the potential interest profitability or new loan on the new loan. It is preferable to include at least one or more loan handling fees for.

Referring to FIG. 5D, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 400 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 400 to the server (500d).

Here, the ledger information is stored in the ledger D / B 400 of the financial system 145, registered customer information 405, new subscription ratio account information 415 associated with the customer information 405, the new It is preferable to mean the employee information in charge of the subscription account.

In addition, the customer information 405 preferably comprises at least one or more information, such as resident registration number, CIF (Customer Information File), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 415 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, the derivatives preferably refer to swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the new subscription fee account information 415 from the ledger information and extracts the information on the PB customer group from the new subscription fee account information 415. (505d).

If information about groups other than the PB customer group is extracted from the affiliated account information 410, processing is performed by referring to the drawings shown below according to each group, and in FIG. 5D, only the portion of the PB customer group is processed. (510d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the PB customer group (520d), and stores and registers the confirmed profitability information in the server D / B (525d).

Here, the profitability information of the new subscription fee for the PB customer group may include a handling fee for a new FX product transaction, a handling fee for a new derivative product, a potential operating fee for a new derivative product, or a handling fee for a new securities transaction. It is preferable to include at least one.

Figure 6 shows the system configuration for calculating the profitability of the employee of the special customer group window according to the embodiment of the present invention.

In more detail, Figure 6 shows customer information 605 (e.g., social security number, etc.), one or more subscription account information (610) (e.g., savings account, savings account, etc.) or subscription cost information ( 615) (e.g., foreign exchange products (export goods such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), subscription accounts or subscription fees The employee information in charge of the account, the new subscription account information (610) or the new subscription cost information (615), the new subscription account information 610 or the new member information processing the account information 615 is extracted, the extraction Figure 6 shows the internal configuration of a system for calculating profitability for each specialty customer group by extracting information about the special customer group from the collected information, and a person having ordinary knowledge in the field to which the present invention belongs, FIG. With reference to Various implementation methods of the system for calculating the profitability of the special customer group may be inferred, but the present invention is not limited to the drawing 6, but includes all the implementation methods inferred.

In this case, the customer information 605 may include at least one or more information such as a social security number, a customer information file (CIF), a customer name, a landline phone number, and a wireless phone number.

In addition, the subscription account information 610 preferably comprises at least one or more information about the account, such as a savings account, savings account, etc. the customer subscribed.

In addition, the subscription account information 615 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, the derivatives preferably refer to swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

According to the method of the present invention, the profitability calculation system of the employee of the special customer group counter is based on the profitability calculation by the account product or the non-account product of the special customer group or the profitability of the new account product or the new non-account product subscription of the special customer group. At least one financial transaction (eg, credit, reception, currency exchange) through the special customer group profitability calculation server 110, at least one face-to-face or non-face-to-face financial transaction channel provided in the branch (or branch) of the financial institution to calculate the , Foreign exchange remittance, financial investment, etc.) is provided with a financial system 145 for providing a service.

Here, the account product is preferably made of one or more products, such as savings accounts, savings accounts, loan accounts.

In addition, the non-account product is preferably made of one or more products, such as foreign exchange products, derivatives, securities, collateral services.

The special customer group profitability calculation server 110 may include customer information 605, one or more subscription account information 610 associated with the customer information 605, or one or more subscription cost account information 615, the subscription account or subscription account. It is preferable to extract the employee information, new subscription account information 610 or new subscription cost account information 615 in charge from the financial system 145 to check the profitability of the special customer group for each employee based on the employee information. 6, the profitability of the special customer group includes an operating profit less the profit generation cost of the special customer group required for generating the profit from the profit for the special customer group. The revenue generation cost is directly related to the employee who sells the product to the customer, the product including at least one account product or non-account product subscribed to the customer. It comprises the cost of the overhead for at least one non-preferred.

It is preferable that the direct costs mean labor costs, labor costs, marketing costs, other goods costs, eastern estate maintenance costs, retirement allowances, depreciation expenses, and manufacturing costs.

The overhead cost preferably refers to expenses such as personnel expenses, post-salary living expenses, eastern estate management expenses, and financial planning expenses.

The special customer profit calculation server 110 includes a separate D / B server having a D / B for storing the profit calculation result of the special customer group or a D / B storing the profit calculation result of the special customer group. It is interlocked through the network.

Referring to FIG. 6, the special customer group profitability calculation server 110 receives an information from the ledger D / B 600 in association with the external system 150 of the financial system 145. (Or information receiving means), information extraction unit 630 (or information extraction means) for extracting the necessary information from the information received from the ledger D / B 600, of the information extracted from the ledger D / B 600 Information confirmation unit 635 (or information confirmation means) for confirming the profitability information, profitability calculation unit 640 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, the profitability calculation information D / B And an information storage unit 645 (or information storage means) stored in the storage unit.

Here, the ledger D / B 600 is a D / B provided in the financial system 145. The ledger D / B 600 includes customer information 605 and account information necessary for calculating profitability for a special customer group. 610, non-account information 615, and staff information 620 in charge.

According to the exemplary embodiment of the present invention, the information receiving unit 625 may include the customer information 605, account information 610 subscribed to by the customer, account employee information 620, or non-account information 615 subscribed by the customer. ) And the non-account staff information (620) or the new subscription account information 610 and the new subscription account staff information (620) for the account newly registered by the customer or the new subscription non-account information ( 615) and information on at least one of the new subscription account staff information 620 is provided with ledger information from the ledger D / B 600 in association with the external system 150 of the financial system 145 to extract the information. Provided to section 630.

Here, the ledger information is customer information 605, account information 610, non-account information 615, which the special customer group profitability calculation server 110 requests from the financial system 145 to calculate profitability for the special customer group. It is preferable that the staff information 620 is included.

According to the exemplary embodiment of the present invention, the information extracting unit 630 may include one or more subscription account information 610 or subscription fees associated with the customer information 605 and the customer information 605 received from the information receiving unit 625. The account information 615, the information on the special customer group from the employee information in charge of the subscription account or subscription account is extracted and provided to the information verification unit 635, or received by the information receiving unit 625 Among the customer information 605, the new subscription account information 610 associated with the customer information 605 or the new subscription ratio account information 615, the employee information for managing the new subscription account or new subscription ratio account for the special customer group Information is extracted and provided to the information checking unit 635.

According to the exemplary embodiment of the present invention, the information checking unit 635 may include one or more subscription account information 610 or subscription fees associated with the customer information 605 and the customer information 605 extracted by the information extraction unit 630. From account information 615, employee information in charge of the subscription account or subscription account, the information on the special customer group subscription account profitability information or non-account profitability information, or the customer information extracted from the information extraction unit 630 ( 605), new subscription account information 610 associated with the customer information 605, or a new subscription ratio account information 615, the new member account information of the management of the new subscription account or new subscription ratio account is new in the information on the group The subscription account profitability information or the new subscription ratio account profitability information is checked and provided to the information storage unit 645 and the profitability calculation unit 640.

The profitability calculation unit 640 may include subscription account profitability information for the special customer group or subscription ratio account profitability information for the special customer group or new subscription account profitability information for the special customer group or the special customer group provided by the information checking unit 635. It is characterized by calculating the profitability in connection with the profitability information for a number of special customer groups including at least one new subscription non-account profitability information for the customer group, the information storage unit (1) 645).

According to the implementation method of the present invention, the profitability calculation unit 640 borrows the deposit for the savings account or savings account from the subscription account information for the special customer group and receives interest, such as interest income or loan interest income for the loan account, etc. It is desirable to calculate profitability information.

Here, it is preferable that the subscription account profitability information for the special customer group comprises at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

In addition, the profitability calculation unit 640 is a handling fee or a handling fee for derivatives or a management fee for derivatives or a handling fee or an additional service for securities in a subscription fee account information for a special customer group. It is desirable to calculate profitability information, such as handling fees.

In this case, the subscription non-account profitability information for the special customer group may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for securities, or a handling fee for ancillary services. It is preferable.

In addition, the profitability information of the new subscription account for the special customer group includes the potential interest profitability and the potential interest profitability of the new loan or savings account or the new interest saving account. It is desirable to calculate profitability information such as loan handling fees for loans.

In this case, the profitability information of the new subscription account for the special customer group may include the potential interest profitability or the potential interest profitability for new loans or loans for new loans or savings on new savings accounts. It is preferable to include at least one or more loan handling fees for the loan.

In addition, the profitability information of the new subscription fee for the special customer group may include a handling fee for a new foreign exchange transaction or a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is desirable to calculate profitability information such as the above.

Herein, the new subscription fee account profitability information for the special customer group may include a handling fee according to a new foreign exchange transaction, a handling fee for joining a new derivative, or a potential operating fee for joining a new derivative or a transaction fee for a new securities transaction. It is preferable to include at least one or more.

According to an embodiment of the present invention, the employee / organization confirmation unit reads profitability information of a specific customer among customers belonging to a special customer group to check the type of employee / organization suitable for the customer, and is linked with the customer ledger of the financial system 145. Receiving the customer's address information and the like, confirming a point adjacent to the customer based on the customer address, checking a point adjacent to the customer address among the identified points, and an employee suitable for the customer at the confirmed point. Check the / organization to provide the identified employee / organization information to the information storage unit 645.

Here, the information on the appropriate employee / organization for the customer is information such as new credit products when the profitability through a credit for a specific customer (group), new reception when the profitability through a specific customer (group) is high It is preferable to include at least one of information such as a product.

According to an embodiment of the present invention, the information storage unit 645 stores the profitability information provided by the profitability calculation unit 640 in a D / B provided in the special customer group profit calculation server 110 or calculates the profitability. It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 640 through a communication network.

According to the implementation method of the present invention, the financial system 145 is linked to the special customer group profitability calculation server 110 and linked to the ledger D / B 600 in the financial system 145, the special customer information It provides a function for providing to the group profit calculation server 110, and detailed description of the internal configuration has been described with reference to Figure 1, it will be omitted.

Further, the ledger information for the ledger D / B 600 of the financial system 145 has more information than the information shown in the ledger D / B 600 of the financial system 145 shown in FIG. Only the information for calculating customer group profitability is shown.

Figure 7 shows the profitability information of the subscription account for the special customer group, profitability information for the subscription account for the special customer group, profitability information for the new customer group according to the method of the present invention For example, it illustrates the operation flow of the system for calculating the profitability of the special customer group, which includes at least one profitability information of the new subscription fee for the special customer group.

In more detail, Figure 7 takes the ledger information from the ledger D / B 600 of the financial system 145 shown in Figure 1 and the special customer through the special customer group profitability calculation server 110 shown in Figure 6 On the above five conditions of the group (subscription account profitability information for special customer groups, subscription account profitability information for special customer groups, new subscription account profitability information for special customer groups, and new subscription non-account profitability information for special customer groups). Regarding the process of checking and storing the profitability information on the D / B of the special customer group profitability calculation server 110 and registering it, the person having ordinary knowledge in the field to which the present invention belongs, Various implementation methods of the system for calculating the profitability of the customer group may be inferred, but the present invention is not limited to the drawing 7, but includes all the implementation methods inferred. The.

In addition, in the method of operating profitability calculation results in FIG. 7, the profitability information for the special customer group is read to confirm the type of employee / organization suitable for the customer, and the customer is linked with the customer ledger of the financial system 145. Receiving address information, such as to confirm the point of close proximity to the customer based on the customer address, the point of confirmation close to the customer address of the confirmed point, and the employee / organization suitable for the customer at the confirmed point The confirmation process may be further included after profitability calculation, and will be omitted for convenience in the detailed flowchart below.

Hereinafter, in FIG. 7, the special customer group profitability calculation server 110 shown in FIG. 6 is referred to as a “server” for convenience.

Referring to FIG. 7A, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 600 to calculate the profitability to the server. In response, the financial system 145 provides the ledger information of the ledger D / B 600 to the server (700a).

Here, the ledger information is stored in the ledger D / B 600 of the financial system 145, registered customer information 605, subscription account information 610 associated with the customer information 605, the subscription account described above It is desirable to mean employee information in charge.

In addition, the customer information 605 preferably comprises at least one or more information, such as a resident registration number, CIF (Customer Information File), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 610 preferably comprises at least one or more information about the account, such as a savings account, savings account, etc. the customer subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription account information 610 from the ledger information and extracts the information on the special customer group from the subscription account information 610 ( 705a).

If the information on the groups other than the special customer group is extracted from the subscription account information 610, processes are performed with reference to the drawings shown below according to the respective groups, and in FIG. 710a.

Thereafter, the server checks the profitability information of the subscription account corresponding to the special customer group (715a), and stores and registers the checked profitability information in the server D / B (720a).

Here, it is preferable that the subscription account profitability information for the special customer group comprises at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

Referring to FIG. 7B, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 600 for calculating the profitability to the server. In response, the financial system 145 provides the ledger information of the ledger D / B 600 to the server (700b).

Here, the ledger information is stored in the ledger D / B 600 of the financial system 145, registered customer information 605, subscription cost account information 615 associated with the customer information 605, the subscription fee account It is desirable to mean employee information in charge.

In addition, the customer information 605 preferably comprises at least one or more information, such as a resident registration number, CIF (Customer Information File), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 615 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, the derivatives preferably refer to swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription ratio account information 615 from the ledger information and extracts the information on the special customer group from the subscription ratio account information 615 ( 705b).

If information on groups other than the special customer group is extracted from the subscription account information 610, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 7b, only the part of the special customer group is processed. 710b.

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the special customer group (715b), and stores and registers the checked profitability information in the server D / B (720b).

In this case, the subscription non-account profitability information for the special customer group may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for securities, or a handling fee for ancillary services. It is preferable.

Referring to FIG. 7c, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 600 to calculate the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 600 to the server (700c).

Here, the ledger information is stored in the ledger D / B 600 of the financial system 145, registered customer information 605, new subscription account information 610 associated with the customer information 605, the new It is preferable to mean the employee information in charge of the subscription account.

In addition, the customer information 605 preferably comprises at least one or more information, such as a resident registration number, CIF (Customer Information File), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 610 preferably comprises at least one or more information about the account, such as a savings account, savings account, etc. the customer subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the new subscription account information 610 from the ledger information and extracts the information on the special customer group from the new subscription account information 610. (705c).

If the information on the groups other than the special customer group is extracted from the subscription account information 610, processing is performed by referring to the drawings shown below according to each group, and in FIG. 7C, only the part of the special customer group is processed. 710c.

Thereafter, the server checks the new subscription account profitability information corresponding to the special customer group (715c), and stores and registers the checked profitability information in the server D / B (720c).

Here, the profitability information of the new subscription account for the special customer group includes the potential interest profitability to borrow and deposit interest on the newly added savings account or the newly added savings account, or the potential interest profitability or the new loan on the new loan. It is preferable to include at least one or more loan handling fees for.

Referring to FIG. 7D, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 600 to calculate the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 600 to the server (700d).

Here, the ledger information is stored in the ledger D / B 600 of the financial system 145, registered customer information 605, new subscription ratio account information 615 associated with the customer information 605, the new It is preferable to mean the employee information in charge of the subscription account.

In addition, the customer information 605 preferably comprises at least one or more information, such as a resident registration number, CIF (Customer Information File), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 615 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, the derivatives preferably refer to swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

Upon receiving the ledger information from the financial system 145 as described above, the server extracts the new subscription fee account information 615 from the ledger information, and extracts the information about the special customer group from the new subscription fee account information 615. (705d).

If the information on the groups other than the special customer group is extracted from the subscription account information 610, the processing is performed by referring to the drawings shown below according to each group. 710d.

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the special customer group (720d), and stores and registers the confirmed profitability information in the server D / B (725d).

In this case, the profitability information of the new subscription fee for the special customer group may include a handling fee for a new foreign exchange transaction, a handling fee for joining a new derivative, a potential operation fee for joining a new derivative, or a handling fee for a new securities transaction. It is preferable to include at least one.

Figure 8 shows the system configuration for calculating the profitability of the employee of the corporate customer group window according to the embodiment of the present invention.

More specifically, Figure 8 shows customer information 805 (e.g., social security number, etc.), one or more subscription account information 810 (e.g., savings account, savings account, etc.) or subscription cost information ( 815) (e.g. foreign exchange products (export and import trade products such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), collateral services (exchanges, etc.), subscription accounts or subscription fees The employee information in charge of the account, the new subscription account information (810) or the new subscription cost information (815), the new subscription account information 810 or new employee information processing the account information 815 is extracted, the extraction Figure 8 shows the internal configuration of the system for calculating the profitability of each employee by the window employee to extract the information about the corporate customer group from the collected information, if the person having ordinary knowledge in the field of the present invention, this figure 8 With reference to Would be able to infer a variety of embodiment of the system for calculating profitability of up customer groups, the invention is not limited to the figure 8, include all embodiments wherein the method of inference.

Here, the customer information 805 may include at least one or more information such as a social security number, a customer information file (CIF), a customer name, a landline telephone number, a wireless telephone number, and the like.

In addition, the subscription account information 810 preferably comprises at least one or more information about the account the customer, such as savings account, savings account, etc. subscribed.

In addition, the subscription account information 815 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, the derivatives preferably refer to swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

According to the implementation method of the present invention, the profitability calculation system of the employee of the corporate customer group teller is based on the profitability calculation by the account product or non-account product of the enterprise customer group or the profitability of joining a new account product or new non-account product of the corporate customer group At least one financial transaction (eg, credit, reception, currency exchange) through the corporate customer group profitability calculation server 130, at least one face-to-face or non-face-to-face financial transaction channel provided in the branch (or branch) of the financial institution to calculate the , Foreign exchange remittance, financial investment, etc.) is provided with a financial system 145 for providing a service.

Here, the account product is preferably made of one or more products, such as savings accounts, savings accounts, loan accounts.

In addition, the non-account product is preferably made of one or more products, such as foreign exchange products, derivatives, securities, collateral services.

The corporate customer group profitability calculation server 130 may include customer information 805, one or more subscription account information 810 associated with the customer information 805, or one or more subscription cost account information 815, the subscription account or subscription fee. The employee information, new subscription account information 810 or new subscription cost account information 815 in charge of the account is extracted from the financial system 145 to check the profitability of the corporate customer group for each employee based on the employee information. Preferably, referring to FIG. 8, the profitability of the corporate customer group includes an operating profit less the profit generation cost of the corporate customer group required for generating the profit from the profit for the corporate customer group. The revenue generation cost is for the employee who sells to the customer a product containing at least one account product or non-account product to which the customer subscribes. It is preferable to include at least one or more of costs, such as contact costs and overhead costs.

It is preferable that the direct costs mean labor costs, labor costs, marketing costs, other goods costs, eastern estate maintenance costs, retirement allowances, depreciation expenses, and manufacturing costs.

The overhead cost preferably refers to expenses such as personnel expenses, post-salary living expenses, eastern estate management expenses, and financial planning expenses.

The corporate customer profitability calculation server 130 has a D / B for storing the profitability calculation result of the corporate customer group, or a separate D / B server having a D / B for saving the profitability calculation result of the corporate customer group. It is interlocked through the network.

Referring to FIG. 8, the corporate customer group profitability calculation server 130 receives an information from the ledger D / B 800 in association with the external system 150 of the financial system 145. (Or information receiving means), information extraction unit 830 (or information extraction means) for extracting the necessary information from the information received from the ledger D / B 800, of the information extracted from the ledger D / B 800 Information confirmation unit 835 (or information confirmation means) for confirming the profitability information, profitability calculation unit 840 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, the profitability calculation information D / B And an information storage unit 845 (or information storage means) stored in the storage device.

Here, the ledger D / B 800 is a D / B provided in the financial system 145. The ledger D / B 800 includes customer information 805 and account information necessary for calculating profitability for the corporate customer group. 810, non-account information 815, and staff information 820 in charge.

According to the exemplary embodiment of the present invention, the information receiving unit 825 may include the customer information 805, the account information 810 and the account staff information 820 subscribed to the customer, or the non-account information 815 subscribed to the customer. ) And non-account staff information (820) or new account registration information (810) and new subscription account staff information (820) for the account newly registered by the customer or new subscription account information ( 815) and information regarding at least one of the new account holder account information 820 in connection with the external system 150 of the financial system 145 received ledger information from the ledger D / B (800) the information The extraction unit 830 is provided.

Here, the ledger information is customer information 805, account information 810, non-account information 815, which is requested from the corporate customer group profitability calculation server 130 to the financial system 145 to calculate profitability for the corporate customer group. It is preferable that the staff information 820 is included.

According to the exemplary embodiment of the present invention, the information extracting unit 830 may include one or more subscription account information 810 or subscription fees associated with the customer information 805 and the customer information 805 received by the information receiving unit 825. The account information 815, the employee information in charge of the subscription account or subscription account, extracts the information on the corporate customer group to provide to the information verification unit 835, or the information received by the information receiving unit 825 The customer information 805, the new subscription account information 810 associated with the customer information 805 or the new subscription ratio account information 815, the employee information for managing the new subscription account or new subscription ratio account for the corporate customer group Information is extracted and provided to the information checking unit 835.

According to the exemplary embodiment of the present invention, the information checking unit 835 may include the customer information 805 extracted by the information extracting unit 830, one or more subscription account information 810 associated with the customer information 805, or Subscription account profitability information or non-account profitability information, or the customer information extracted from the information extraction unit 830 from the subscription account information (815), the member account in charge of the subscription account or subscription account account of the corporate customer group information; 805, new subscription account information 810 associated with the customer information 805, new subscription fee account information 815, and employee information managing the new subscription account or the new subscription fee account among the information on the corporate customer group The new subscription account profitability information or the new subscription ratio account profitability information is checked and provided to the information storage unit 845 and the profitability calculation unit 840.

The profitability calculation unit 840 is a subscription account profitability information for the corporate customer group provided by the information verification unit 835 or a subscription fee account profitability information for the corporate customer group or a new subscription account profitability information for the corporate customer group Profitability is calculated by linking with profitability information of various corporate customer groups including at least one new subscription non-account profitability information for the customer group, information storage unit ( 845).

According to the implementation method of the present invention, the profitability calculation unit 840 borrows the deposit for the savings account or savings account from the subscription account information for the corporate customer group, such as interest income or loan interest income for the loan account, etc. It is desirable to calculate profitability information.

Here, it is preferable that the subscription account profitability information for the corporate customer group includes at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

In addition, the profitability calculation unit 840 is a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an additional service in the subscription fee account information for the corporate customer group. It is desirable to calculate profitability information, such as handling fees.

The profitability information of the subscription account for the corporate customer group may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services. It is preferable.

In addition, the profitability information of the new subscription account for the corporate customer group includes the potential interest profitability and the potential interest profitability for new loans and savings or new interest savings accounts. It is desirable to calculate profitability information such as loan handling fees for loans.

In this case, the profitability information of the new subscription account for the corporate customer group may include a potential interest profitability for borrowing and receiving interest on a newly subscribed savings account or a newly subscribed savings account or a potential interest profitability for a new loan or a new loan. It is preferable to include at least one or more loan handling fees for the loan.

In addition, the profitability information of the new subscription fee for the corporate customer group may include a handling fee for a new foreign exchange transaction, a handling fee for a new derivatives subscription, a potential operating fee for a new derivatives subscription, or a handling fee for a new securities transaction. It is desirable to calculate profitability information such as the above.

In this case, the profitability information of the new subscription fee for the corporate customer group may include a handling fee according to a new foreign exchange transaction, a handling fee for joining a new derivative, or a potential operating fee for joining a new derivative or a transaction fee for a new securities transaction. It is preferable to include at least one or more.

According to an embodiment of the present invention, the employee / organization confirmation unit reads profitability information of a specific customer among the customers belonging to the enterprise customer group to check the type of employee / organization suitable for the customer, and is linked with the customer ledger of the financial system 145. Receiving the customer's address information and the like, confirming a point adjacent to the customer based on the customer address, checking a point adjacent to the customer address among the identified points, and an employee suitable for the customer at the confirmed point. Check the / organization and provide the identified employee / organization information to the information storage unit 845.

Here, the information on the appropriate employee / organization for the customer is information such as new credit products when the profitability through a credit for a specific customer (group), new reception when the profitability through a specific customer (group) is high It is preferable to include at least one of information such as a product.

According to the method of the present invention, the information storage unit 845 stores the profitability information provided by the profitability calculation unit 840 in the D / B provided in the enterprise customer group profit calculation server 130, or calculate the profitability It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 840 through a communication network.

According to the implementation method of the present invention, the financial system 145 is linked with the corporate customer group profitability calculation server 130 and the ledger information in association with the ledger D / B 800 in the financial system 145, corporate customers It provides a function for providing to the group profitability calculation server 130, and detailed description of the internal configuration has been described with reference to Figure 1, omitted.

Further, the ledger information for the ledger D / B 800 of the financial system 145 includes more information than the information shown in the ledger D / B 800 of the financial system 145 shown in FIG. Only the information for calculating customer group profitability is shown.

Figure 9 shows the profitability information of the subscription account for the corporate customer group, the profitability information of the subscription account for the corporate customer group, the profitability information of the new subscription account for the corporate customer group according to the method of the present invention For example, it illustrates the operation flow of the system for calculating the profitability of the corporate customer group, which includes at least one profitability information of the new subscription fee for the corporate customer group.

In more detail, Figure 9 shows the ledger information from the ledger D / B (800) of the financial system 145 shown in Figure 1 and the corporate customer through the corporate customer group profitability calculation server 130 shown in Figure 8 The above five conditions of the group (subscription account profitability information for corporate customer groups, subscription account profitability information for corporate customer groups, new subscription account profitability information for corporate customer groups, new subscription non-account profitability information for corporate customer groups) It is about the process of storing and registering in the D / B of the corporate customer group profitability calculation server 130 by checking the profitability information, if the person having ordinary knowledge in the field to which the present invention belongs, with reference to this figure 9 Various implementation methods of the system for calculating the profitability of the customer group may be inferred, but the present invention is not limited to the drawing 9, and includes all the implementation methods inferred from the above. The.

In addition, in the method of operating the profitability calculation result in FIG. 9, the profitability information of the corporate customer group is read to confirm the type of employee / organization suitable for the customer, and the customer is linked with the customer ledger of the financial system 145. Receiving address information, such as to confirm the point of close proximity to the customer based on the customer address, the point of confirmation close to the customer address of the confirmed point, and the employee / organization suitable for the customer at the confirmed point The confirmation process may be further included after profitability calculation, and will be omitted for convenience in the detailed flowchart below.

Hereinafter, the corporate customer group profitability calculation server 130 shown in FIG. 8 in FIG. 9 is referred to as a “server” for convenience.

Referring to FIG. 9A, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 800 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 800 to the server (900a).

Here, the ledger information is stored in the ledger D / B 800 of the financial system 145, registered customer information 805, subscription account information 810 associated with the customer information 805, the subscription account described above It is desirable to mean employee information in charge.

In addition, the customer information 805 preferably comprises at least one or more information, such as a resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 810 preferably comprises at least one or more information about the account the customer, such as savings account, savings account, etc. subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription account information 810 from the ledger information, and extracts the information on the corporate customer group from the subscription account information 810 ( 905a).

If information on groups other than the corporate customer group is extracted from the affiliated account information 810, processing is performed by referring to the drawings shown below according to each group, and in FIG. 9a, only the portion of the corporate customer group is processed. 910a.

Thereafter, the server checks the profitability information of the subscription account corresponding to the corporate customer group (915a), and stores and registers the checked profitability information in the server D / B (920a).

Here, it is preferable that the subscription account profitability information for the corporate customer group includes at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

Referring to FIG. 9B, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 800 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 800 to the server (900b).

Here, the ledger information is stored in the ledger D / B 800 of the financial system 145, registered customer information 805, subscription cost account information 815 associated with the customer information 805, the subscription cost account described above It is desirable to mean employee information in charge.

In addition, the customer information 805 preferably comprises at least one or more information, such as a resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 815 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription ratio account information 815 from the ledger information and extracts the information on the corporate customer group from the subscription ratio account information 815 ( 905b).

If information on groups other than the corporate customer group is extracted from the affiliated account information 810, processing is performed by referring to the drawings shown below according to each group, and in FIG. 9b, only the portion of the corporate customer group is processed. (910b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the corporate customer group (915b), and stores and registers the checked profitability information in the server D / B (920b).

The profitability information of the subscription account for the corporate customer group may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services. It is preferable.

Referring to FIG. 9C, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 800 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 800 to the server (900c).

Here, the ledger information is stored in the ledger D / B 800 of the financial system 145, registered customer information 805, new subscription account information 810 associated with the customer information 805, the new It is preferable to mean the employee information in charge of the subscription account.

In addition, the customer information 805 preferably comprises at least one or more information, such as a resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 810 preferably comprises at least one or more information about the account the customer, such as savings account, savings account, etc. subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

Upon receiving the ledger information from the financial system 145 as described above, the server extracts the new subscription account information 810 from the ledger information and extracts the information on the corporate customer group from the new subscription account information 810. (905c).

When extracting information on groups other than the corporate customer group from the affiliated account information 810, processing is performed by referring to the drawings shown below according to each group, and in FIG. 9c, only the portion of the corporate customer group is processed. (910c).

Thereafter, the server checks the new subscription account profitability information corresponding to the corporate customer group (915c), and stores and registers the checked profitability information in the server D / B (920c).

In this case, the profitability information of the new subscription account for the corporate customer group may include the potential interest profitability for borrowing and receiving interest on the newly registered savings account or the newly subscribed savings account, or the potential interest profitability or new loan for the new loan. It is preferable to include at least one or more loan handling fees for.

Referring to FIG. 9D, the server accesses the financial system 145 through a predetermined communication network and provides the server with the ledger information of the ledger D / B 800 of the financial system 145 for calculating the profitability. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 800 to the server (900d).

Here, the ledger information is stored in the ledger D / B 800 of the financial system 145, registered customer information 805, new subscription ratio account information 815 associated with the customer information 805, the new It is preferable to mean the employee information in charge of the subscription account.

In addition, the customer information 805 preferably comprises at least one or more information, such as a resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 815 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the new subscription fee account information 815 from the ledger information, and extracts the information on the corporate customer group from the new subscription fee account information 815. (905d).

If information on groups other than the corporate customer group is extracted from the affiliated account information 810, processing is performed by referring to the drawings shown below according to each group, and in FIG. 9d, only the portion of the corporate customer group is processed. (910d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the corporate customer group (920d), and stores and registers the confirmed profitability information in the server D / B (925d).

Herein, the profitability information of the new subscription fee for the corporate customer group may include a handling fee for a new foreign exchange transaction, a handling fee for joining a new derivative, a potential operation fee for joining a new derivative, or a handling fee for a new securities transaction. It is preferable to include at least one.

Figure 10 shows a system configuration for calculating the profitability of the window staff according to age according to the embodiment of the present invention.

More specifically, FIG. 10 shows customer information 1005 (eg, social security number, etc.), one or more subscription account information (1010) (eg, savings account, savings account, etc.) or subscription cost account (1015) for calculating profitability by age. For example, they are in charge of foreign exchange products (export goods such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), subscription accounts or subscription accounts. Employee information, new subscription account information 1010 or new subscription cost account information 1015, new subscription account information 1010 or new subscription cost account information 1015 is processed and extracted from the extracted information. Figure showing the internal configuration of the system for calculating the profitability for each employee by extracting the information about the age, if the person having ordinary knowledge in the field to which the present invention belongs, with reference to this figure 10 calculate the profitability by age For would be able to infer a variety of embodiment of the system, the invention is not limited to the figure 10, it comprises all of the embodiments how the inference.

Here, the customer information 1005 may include at least one or more information such as a social security number, a customer information file (CIF), a customer name, a landline phone number, a wireless phone number, and the like.

In addition, the subscription account information 1010 preferably comprises at least one or more information about the account, such as a savings account, savings account, etc., the customer subscribed.

In addition, the subscription non-account information 1015 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

According to the implementation method of the present invention, the age-based window staff profit calculation system for calculating the profitability according to age-based account products or non-account products, or calculate the profitability by joining a new account product or new non-account products by age group 115, at least one financial transaction (e.g., credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) services through at least one face-to-face or non-face-to-face financial transaction channel provided in the branch (or branch) of the financial institution; It comprises a financial system 145 to provide.

Here, the account product is preferably made of one or more products, such as savings accounts, savings accounts, loan accounts.

In addition, the non-account product is preferably made of one or more products, such as foreign exchange products, derivatives, securities, collateral services.

The age-specific profitability calculation server 115 is responsible for customer information 1005, one or more subscription account information 1010 or one or more subscription cost account information 1015 associated with the customer information 1005, the subscription account or subscription cost account. It is preferable to extract the employee information, the new subscription account information 1010 or the new subscription cost account information 1015 from the financial system 145 to check the profitability according to the age of each employee according to the employee information. Referring to FIG. 10, the profitability according to age includes operating profit which is obtained by subtracting the revenue generation cost according to the age required for generation of revenue from the revenue according to the age. Non-accounting costs, such as direct and indirect costs, for employees who sell products to customers, including at least one account or non-account product to which the customer subscribes. It is preferable to comprise at least one dragon.

It is preferable that the direct costs mean labor costs, labor costs, marketing costs, other goods costs, eastern garden oil costs, retirement allowance allowances, depreciation expenses, and masonry.

The overhead cost preferably refers to expenses such as personnel expenses, post-salary living expenses, eastern estate management expenses, and financial planning expenses.

The age-based profitability calculation server 115 has a D / B for storing the profitability calculation results for each age, or is interworked with a separate D / B server having a D / B for storing the profitability calculation results for each age.

Referring to FIG. 10, the age-based profitability calculation server 115 may receive an information receiver 1025 (or information) that receives information from the ledger D / B 1000 in association with the external system 150 of the financial system 145. Information receiving means), an information extracting unit 1030 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 1000, and profitability information among information extracted from the ledger D / B 1000; Information confirmation unit 1035 (or information confirmation means) for confirming, profitability calculation unit 1040 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, the profitability calculation information stored in the D / B And an information storage unit 1045 (or information storage means).

Here, the ledger D / B 1000 is a D / B provided in the financial system 145. The ledger D / B 1000 includes customer information 1005 and account information 1010 necessary for calculating profitability for an age. ), The non-account information (1015), the employee information (1020) is preferably included.

According to the exemplary embodiment of the present invention, the information receiving unit 1025 may include the customer information 1005, the account information 1010 and the account employee information 1020 registered by the customer, or the non-account information 1015 subscribed to the customer. ) And non-account clerk information (1020) or new account registration information (1010) and new subscription account staff information (1020) for the account newly registered by the customer or new subscription account information ( 1015) and information regarding at least one of the new subscription account staff information 1020 is provided with ledger information from the ledger D / B 1000 in association with the external system 150 of the financial system 145 to extract the information. Provided to section 1030.

Here, the ledger information is customer information (1005), account information (1010), non-account information (1015), employee information (1020) requesting from the age-based profitability calculation server 115 to the financial system 145 for age-based profitability calculation. It is preferable to comprise).

According to the exemplary embodiment of the present invention, the information extracting unit 1030 may include the customer information 1005 received from the information receiving unit 1025, one or more subscription account information 1010 associated with the customer information 1005, or a subscription fee. The account information 1015, the employee information in charge of the subscription account or subscription account accounts for extracting the information for a specific age to provide to the information check unit 1035, or the customer received by the information receiving unit 1025 Extracts age-specific information from among information 1005, new subscription account information 1010 or new subscription fee account information 1015 associated with the customer information 1005, and employee information managing the new subscription account or new subscription fee account. Provided to the information confirmation unit 1035.

According to the exemplary embodiment of the present invention, the information checking unit 1035 may include the customer information 1005 extracted from the information extracting unit 1030, one or more subscription account information 1010 associated with the customer information 1005, or a subscription fee. Account information 1015, subscription account profitability information or non-account profitability information from age-specific information among employees in charge of the subscription account or subscription account, or the customer information 1005 extracted from the information extraction unit 1030, the New subscription account profitability information or new subscription cost account from the new subscription account information (1010) or new subscription cost account information (1015) associated with the customer information (1005), the age-specific information of the employee information to manage the new subscription account or new subscription cost account; Profitability information is checked and provided to the information storage unit 1045 and the profitability calculation unit 1040.

The profitability calculation unit 1040 includes a plurality of age-based subscription account profitability information or age-based subscription cost account profitability information or age-based new subscription account profitability information or age-based new subscription cost account profitability information provided by the information checker 1035. Profitability is calculated in connection with age-specific profitability information, and provides the calculated age-specific profitability information to the information storage unit 1045.

According to the implementation method of the present invention, the profitability calculation unit 1040 calculates profitability information such as interest income or loan interest income for loan accounts for borrowing deposits for savings accounts or savings accounts from age-based subscription account information. It is desirable to.

In this case, the age-based subscription account profitability information preferably comprises at least one or more of the unpaid deposit fee, loan interest income for the loan account.

In addition, the profitability calculation unit 1040 is a handling fee for the handling fees or derivative fees for derivatives or derivatives or handling fees for derivatives or handling fees for securities in the subscription fee account information for each age or handling fees for ancillary services It is desirable to calculate profitability information such as the above.

Here, it is preferable that the age-based subscription fee account profitability information includes at least one of a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, a handling fee for ancillary services, and the like.

In addition, the profitability information of the new subscription account by age may include the potential interest profitability of borrowing and depositing interest in a newly registered savings account or a newly subscribed savings account, or the potential interest profitability of the new loan and the loan for the new loan. It is desirable to calculate profitability information such as handling fees.

In this case, the profitability information of the new subscription account for each age may be a potential interest profitability for borrowing and depositing interest in a newly registered savings account or a newly subscribed savings account or a potential interest profitability for a new loan or a loan for a new loan. It is preferable to include at least one handling fee or the like.

In addition, the profitability information of the new subscription fee by age may include profitability information such as a handling fee for a new foreign exchange transaction, a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is preferable to calculate.

In this case, the profitability information of the new subscription fee for each age may include at least one of a handling fee for a new foreign exchange transaction, a handling fee for joining a new derivative, a potential operating fee for joining a new derivative, or a handling fee for a new securities transaction. It is preferable to comprise as mentioned above.

According to an embodiment of the present invention, the employee / organization confirmation unit reads profitability information of a specific customer among the customers belonging to the individual customer group to check the type of employee / organization suitable for the customer, and associates with the customer ledger of the financial system 145. Receiving the customer's address information and the like, confirming a point adjacent to the customer based on the customer address, checking a point adjacent to the customer address among the identified points, and an employee suitable for the customer at the confirmed point. Check the / organization and provide the identified employee / organization information to the information storage unit 1045.

Here, the information on the appropriate employee / organization for the customer is information such as new credit products when the profitability through a credit for a specific customer (group), new reception when the profitability through a specific customer (group) is high It is preferable to include at least one of information such as a product.

According to the method of the present invention, the information storage unit 1045 stores the profitability information provided by the profitability calculation unit 1040 in the D / B provided in the age-specific profitability calculation server 115, or the profitability calculation unit ( 1040) through a communication network and a separate D / B server having a D / B for storing the profitability information provided in (1040).

According to the implementation method of the present invention, the financial system 145 is linked to the age-based profitability calculation server 115 and linked to the ledger D / B (1000) inside the financial system 145, age-based profitability calculation server Functions to provide to 115, and detailed description of the internal configuration has been described with reference to Figure 1, it is omitted.

Further, the ledger information for the ledger D / B 1000 of the financial system 145 includes more information than the information shown in the ledger D / B 1000 of the financial system 145 shown in FIG. Only information for profitability calculation is shown.

Figure 11 includes at least one age-based subscription account profitability information, age-specific subscription cost account profitability information, age-specific subscription account profitability information, age-specific subscription account profitability information at least one or more for calculating the profitability of the window teller according to the embodiment of the present invention It shows the operation flow of the system for calculating profitability by age.

In more detail, FIG. 11 shows the ledger information from the ledger D / B 1000 of the financial system 145 shown in FIG. 1 and the five kinds of ages through the age-based profitability calculation server 115 shown in FIG. Check the profitability information on the conditions (age account profitability information by age, profit ratio information by age subscription ratio, profitability information by age-based new subscription account, profitability information by age-based new subscription fee), and store and register it in D / B of the profit calculation server 115 by age. Regarding the process, one of ordinary skill in the art to which the present invention pertains will be able to infer various implementation methods of the system for calculating profitability by age with reference to this drawing 11. It includes, but is not limited to, all the methods of inferred above.

In addition, in the method of operating the profitability calculation result in FIG. 11, the profitability information for each age is read to identify the type of employee / organization suitable for the customer, and the address information of the customer is linked with the customer ledger of the financial system 145. Receiving a, check the point close to the customer based on the customer address, the point of confirming the point adjacent to the customer address of the confirmed point, the process of identifying the employee / organization suitable for the customer at the confirmed point After the profitability calculation may be further included, it will be omitted for convenience in the detailed flow chart below.

Hereinafter, in FIG. 11, the age-based profitability calculation server 115 shown in FIG. 10 is referred to as a “server” for convenience.

Referring to FIG. 11A, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 1000 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1000 to the server (1100a).

Here, the ledger information is stored in the ledger D / B (1000) of the financial system 145, registered account information (1010) associated with the customer information (1005), customer information (1005), the subscription It is preferable to mean the employee information in charge of the account.

In addition, the customer information 1005 preferably comprises at least one of information such as a social security number, a customer information file (CIF), a customer name, a landline telephone number, a wireless telephone number.

In addition, the subscription account information 1010 preferably comprises at least one or more information about the account, such as a savings account, savings account, etc., the customer subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription account information 1010 from the ledger information and extracts age-specific information from the subscription account information 1010 (1105a).

If information other than the age-specific information is extracted from the subscription account information 1010, processes are performed with reference to the drawings shown below according to each customer (group) analysis unit, and in this figure 11a, only the age-specific information portion is processed ( 1110a).

Thereafter, the server checks profitability information of the age-specific subscription account (1115a), and stores and registers the checked profitability information in the server D / B (1120a).

In this case, the age-based subscription account profitability information preferably comprises at least one or more of the unpaid deposit fee, loan interest income for the loan account.

Referring to FIG. 11B, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 1000 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1000 to the server (1100b).

Here, the ledger information is stored in the ledger D / B (1000) of the financial system 145, registered customer information (1005), subscription ratio account information (1015) associated with the customer information (1005), the subscription account It is desirable to mean employee information in charge.

In addition, the customer information 1005 preferably comprises at least one of information such as a social security number, a customer information file (CIF), a customer name, a landline telephone number, a wireless telephone number.

In addition, the subscription non-account information 1015 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription ratio account information 1015 from the ledger information, and extracts age-specific information from the subscription ratio account information 1015 (1105b).

If information other than the age-specific information is extracted from the subscription account information 1010, processes are performed with reference to the drawings shown below according to each customer (group) analysis unit, and in this figure 11a, only the age-specific information portion is processed ( 1110b).

Thereafter, the server checks the profitability information of the age-based subscription ratio account (1115b), and stores and registers the checked profitability information in the server D / B (1120b).

Here, it is preferable that the age-based subscription fee account profitability information includes at least one of a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, a handling fee for ancillary services, and the like.

Referring to FIG. 11C, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 1000 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1000 to the server (1100c).

Here, the ledger information is stored in the ledger D / B (1000) of the financial system 145, registered customer information (1005), new subscription account information (1010) associated with the customer information (1005), the It is preferable to mean the employee information in charge of a new member account.

In addition, the customer information 1005 preferably comprises at least one of information such as a social security number, a customer information file (CIF), a customer name, a landline telephone number, a wireless telephone number.

In addition, the subscription account information 1010 preferably comprises at least one or more information about the account, such as a savings account, savings account, etc., the customer subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts new subscription account information 1010 from the ledger information and extracts age-specific information from the new subscription account information 1010 (1105c). .

If information other than the age-specific information is extracted from the subscription account information 1010, processes are performed with reference to the drawings shown below according to each customer (group) analysis unit, and in this figure 11a, only the age-specific information portion is processed ( 1110c).

Thereafter, the server checks the new subscription account profitability information for each age (1115c), and stores and registers the confirmed profitability information in the server D / B (1120c).

In this case, the profitability information of the new subscription account for each age may refer to the potential interest profitability for borrowing and receiving interest on a newly registered savings account or a newly registered savings account, or the potential interest profitability for a new loan or a loan handling for a new loan. It is preferable to include at least one fee or the like.

Referring to FIG. 11D, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 1000 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1000 to the server (1100d).

Here, the ledger information is stored in the ledger D / B (1000) of the financial system 145, registered customer information (1005), new subscription cost information (1015) associated with the customer information (1005), the new It is preferable to mean the employee information in charge of the subscription account.

In addition, the customer information (1005) preferably comprises at least one or more information, such as a resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription non-account information 1015 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the new subscription fee account information 1015 from the ledger information and extracts age-specific information from the new subscription fee account information 1015 (1105d). .

If information other than the age-specific information is extracted from the subscription account information 1010, processes are performed with reference to the drawings shown below according to each customer (group) analysis unit, and in this figure 11a, only the age-specific information portion is processed ( 1110d).

Thereafter, the server checks profitability information of the new subscription fee account for each age (1120d), and stores and registers the checked profitability information in the server D / B (1125d).

Here, the profitability information of the new subscription fee by age may include at least one of a handling fee for a new foreign exchange transaction, a handling fee for joining a new derivative, a potential operation fee for joining a new derivative, or a handling fee for a new securities transaction. It is preferable to comprise.

Figure 12 shows the system configuration for calculating the profitability of the window staff according to the embodiment of the present invention.

More specifically, FIG. 12 shows customer information 1205 (eg, social security number, etc.), one or more subscription account information 1210 (eg, savings account, savings account, etc.) or subscription cost account 1215 for calculating profitability by region. (E.g., foreign exchange products (export goods such as heritages), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), collateral services (exchanges, etc.), subscription accounts or subscription accounts The employee information, the new subscription account information 1210 or the new subscription cost information 1215, the new subscription account information 1210, or the new subscription cost account information 1215 are extracted and the employee information is processed. Figure 11 shows the internal configuration of a system for calculating profitability for each employee of a window by extracting information about a region, and a person having ordinary knowledge in the field to which the present invention belongs, calculates profitability for each region with reference to FIG. For would be able to infer a variety of embodiment of the system, the invention is not limited to the figure 12, it comprises all of the embodiments how the inference.

Here, the customer information 1205 may include at least one or more information such as a resident registration number, a customer information file (CIF), a customer name, a landline telephone number, a wireless telephone number, and the like.

In addition, the subscription account information 1210 preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

In addition, the subscription non-account information 1215 preferably comprises at least one non-account information subscribed by the customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

According to the implementation method of the present invention, the regional counter staff's profitability calculation system for calculating the profitability according to the regional account products or non-account products, or to calculate the profitability of the new account products or new non-account subscriptions by region 135, at least one financial transaction (eg, credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) services through at least one face-to-face or non-face-to-face financial transaction channel provided at the branch (or branch) of the financial institution; It comprises a financial system 145 to provide.

Here, the account product is preferably made of one or more products, such as savings accounts, savings accounts, loan accounts.

In addition, the non-account product is preferably made of one or more products, such as foreign exchange products, derivatives, securities, collateral services.

The regional profitability calculation server 135 is in charge of customer information 1205, one or more subscription account information 1210 or one or more subscription cost account information 1215, the subscription account or subscription cost account associated with the customer information 1205. It is preferable to extract the employee information, new subscription account information 1210 or new subscription cost account information 1215 from the financial system 145 to check the profitability of each employee region based on the employee information. Referring to FIG. 12, the profitability according to the region includes an operating profit subtracted from the revenue generated according to the region and the cost required to generate the revenue according to the region. Non-accounting costs, such as direct and indirect costs, for employees who sell products to customers, including at least one account or non-account product to which the customer subscribes. It is preferable to comprise at least one dragon.

It is preferable that the direct costs mean labor costs, labor costs, marketing costs, other goods costs, eastern estate maintenance costs, retirement allowances, depreciation expenses, and manufacturing costs.

The overhead cost preferably refers to expenses such as personnel expenses, post-salary living expenses, eastern estate management expenses, and financial planning expenses.

The regional profitability calculation server 135 has a D / B for storing the regional profitability calculation results or is linked with a separate D / B server having a D / B for storing the regional profitability calculation results.

Referring to FIG. 12, the region-specific profitability calculation server 135 receives an information from the ledger D / B 1200 in association with the external system 150 of the financial system 145 (or the information receiving unit 1225). Information receiving means), an information extracting unit 1230 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 1200, and profitability information among information extracted from the ledger D / B 1200. Information confirmation unit 1235 (or information confirmation means) for confirming, profitability calculation unit 1240 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, the profitability calculation information is stored in the D / B And an information storage unit 1245 (or information storage means).

Here, the ledger D / B 1200 is a D / B provided in the financial system 145. The ledger D / B 1200 includes customer information 1205 and account information 1210 necessary for calculating profitability for a region. ), Non-account information 1215, and staff information 1220 in charge.

According to the exemplary embodiment of the present invention, the information receiving unit 1225 may include the customer information 1205, the account information 1210 and the account staff information 1220 registered by the customer, or the non-account information 1215 subscribed to the customer. ) And non-account staff information (1220) or new subscription account information 1210 and new subscription account staff information (1220) for the account newly registered by the customer or new subscription account information (newly registered by the customer ( 1215) and at least one information including at least one new employee account information 1220 in charge of the account information from the ledger D / B (1200) in connection with the external system 150 of the financial system 145 to extract the information Provided to section 1230.

Here, the ledger information is customer information (1205), account information (1210), non-account information (1215), employee information (1220) requesting from the regional profitability calculation server 135 to the financial system 145 for calculation of regional profitability. It is preferable to comprise).

According to the exemplary embodiment of the present invention, the information extracting unit 1230 may include the customer information 1205 received from the information receiving unit 1225, one or more subscription account information 1210 associated with the customer information 1205, or a subscription fee. The account information 1215, the employee information in charge of the subscription account or subscription account, extracts information about a specific region and provides it to the information verification unit 1235, or the customer received by the information receiving unit 1225 Extracts regional information from information 1205, new subscription account information 1210 associated with the customer information 1205, new subscription cost account information 1215, and employee information managing the new subscription account or new subscription fee account. Provided to the information confirmation unit 1235.

According to the exemplary embodiment of the present invention, the information checking unit 1235 may include the customer information 1205 extracted from the information extracting unit 1230, one or more subscription account information 1210 or a subscription fee associated with the customer information 1205. Account information 1215, subscription account profitability information or non-account profitability information from regional information among the employee information in charge of the subscription account or subscription account, or the customer information 1205 extracted from the information extraction unit 1230, the The new subscription account profitability information or the new subscription cost account from the new subscription account information 1210 or new subscription cost account information 1215 associated with the customer information 1205, regional information among the employee information managing the new subscription account or the new subscription fee account. Profitability information is checked and provided to the information storage unit 1245 and the profitability calculation unit 1240.

The profitability calculation unit 1240 may include a plurality of regional subscription account profitability information provided by the information verification unit 1235 or regional subscription fee profitability information, regional new subscription account profitability information, or regional new subscription cost account profitability information. Profitability is calculated in connection with regional profitability information, and the calculated regional profitability information is provided to the information storage unit 1245.

According to the implementation method of the present invention, the profitability calculation unit 1240 calculates profitability information such as loan interest for a savings account or savings account and interest income for receiving interest or loan interest income for a loan account from regional subscription account information. It is desirable to.

Here, it is preferable that the subscription account profitability information for each region includes at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

In addition, the profitability calculation unit 1240 may handle handling fees for foreign exchange commodity transactions, handling fees for derivatives, handling fees for derivatives, handling fees for securities, or handling fees for additional services. It is desirable to calculate profitability information such as the above.

Here, it is preferable that the regional subscription fee account profitability information includes at least one of a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services.

In addition, the new subscription account profitability information for each region includes the potential interest profitability for borrowing and receiving interest for a newly registered savings account or a newly subscribed savings account or the potential interest profitability for new loans and loans for new loans. It is desirable to calculate profitability information such as handling fees.

In this case, the profitability information for each new subscription account for each region may be a potential interest profitability for borrowing and depositing interest in a newly registered savings account or a newly subscribed savings account or a potential interest profitability for a new loan or a loan for a new loan. It is preferable to include at least one handling fee or the like.

In addition, the profitability information for each new subscription fee for each region may include profitability information such as a handling fee for a new foreign exchange transaction, a handling fee for a new derivatives subscription, a potential operating fee for a new derivatives subscription, or a handling fee for a new securities transaction. It is preferable to calculate.

Here, the regional new subscription fee profitability information may include at least a handling fee for a new foreign exchange transaction, a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is preferable to include one or more.

According to an embodiment of the present invention, the employee / organization confirmation unit reads profitability information of a specific customer among customers belonging to a specific region to check the type of employee / organization suitable for the customer, and connects with the customer ledger of the financial system 145. Receiving the address information of the customer, etc., to confirm the point close to the customer based on the customer address, to confirm the point adjacent to the customer address of the confirmed point, the appropriate staff / The organization is identified to provide the identified employee / organization information to the information storage unit 1245.

Here, the information on the appropriate employee / organization for the customer is information such as new credit products when the profitability through a credit for a specific customer (group), new reception when the profitability through a specific customer (group) is high It is preferable to include at least one of information such as a product.

According to an embodiment of the present invention, the information storage unit 1245 stores the profitability information provided by the profitability calculation unit 1240 in a D / B provided in the regional profitability calculation server 135 or the profitability calculation unit ( 1240 is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in.

According to the implementation method of the present invention, the financial system 145 is linked with the regional profitability calculation server 135 and linked with the ledger D / B 1200 in the financial system 145, the local profitability calculation server It provides a function to provide to (135), and since the detailed description of the internal configuration has been described with reference to Figure 1, it is omitted.

Further, the ledger information of the ledger D / B 1200 of the financial system 145 includes more information than the information shown in the ledger D / B 1200 of the financial system 145 shown in FIG. Only information for profitability calculation is shown.

FIG. 13 includes at least one regional subscription account profitability information, regional subscription fee profitability information, regional subscription account profitability information, and regional subscription subscription profitability information according to an embodiment of the present invention. It shows the operation flow of the system for calculating profitability by region.

In more detail, FIG. 13 shows the ledger information from the ledger D / B 1200 of the financial system 145 shown in FIG. 1 and the five kinds of regions by region through the regional profitability calculation server 135 shown in FIG. Check the profitability information on the conditions (Regional Account Profitability Information, Regional Subscription Cost Account Profitability Information, Regional New Subscription Account Profitability Information, Regional New Subscription Cost Account Profitability Information), and store it in the D / B of the Regional Profitability Calculation Server 135; Regarding the registration process, those skilled in the art to which the present invention pertains may refer to various embodiments of the system for calculating profitability by region with reference to FIG. 13. It is not limited to, but includes all the implementation methods inferred.

In addition, in the method of operating the profitability calculation result in FIG. 13, the profitability information for each region is read to confirm the type of employee / organization suitable for the customer, and the address information of the customer is linked with the customer ledger of the financial system 145. Receiving a, check the point close to the customer based on the customer address, the point of confirming the point adjacent to the customer address of the confirmed point, the process of identifying the employee / organization suitable for the customer at the confirmed point After the profitability calculation may be further included, it will be omitted for convenience in the detailed flow chart below.

Hereinafter, in FIG. 13, the region-specific profitability calculation server 135 shown in FIG. 12 is referred to as a “server” for convenience.

Referring to FIG. 13A, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 1200 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1200 to the server (1300a).

Here, the ledger information is stored in the ledger D / B 1200 of the financial system 145, registered customer information 1205, subscription account information 1210 associated with the customer information 1205, the subscription account It is desirable to mean employee information in charge.

In addition, the customer information 1205 may include at least one or more information such as a social security number, a customer information file (CIF), a customer name, a landline telephone number, a wireless telephone number, and the like.

In addition, the subscription account information 1210 preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription account information 1210 from the ledger information and extracts regional information from the subscription account information 1210 (1305a).

If information other than region-specific information is extracted from the subscription account information 1210, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in FIG. 13A, only the region-specific information portion is processed ( 1310a).

Thereafter, the server checks the profitability information of the regional subscription account (1315a), and stores and registers the checked profitability information in the server D / B (1320a).

Here, it is preferable that the subscription account profitability information for each region includes at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

Referring to FIG. 13B, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 1200 for the profitability calculation to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1200 to the server (1300b).

Here, the ledger information is stored in the ledger D / B 1200 of the financial system 145, registered customer information 1205, subscription cost information 1215 associated with the customer information 1205, the subscription fee account It is desirable to mean employee information in charge.

In addition, the customer information 1205 may include at least one or more information such as a social security number, a customer information file (CIF), a customer name, a landline telephone number, a wireless telephone number, and the like.

In addition, the subscription non-account information 1215 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription ratio account information 1215 from the ledger information, and extracts regional information from the subscription ratio account information 1215 (1305b).

If information other than region-specific information is extracted from the subscription account information 1210, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in FIG. 13A, only the region-specific information portion is processed ( 1310b).

Thereafter, the server checks the profitability information of the regional subscription fee account (1315b), and stores and registers the checked profitability information in the server D / B (1320b).

Here, it is preferable that the regional subscription fee account profitability information includes at least one of a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services.

Referring to FIG. 13C, the server accesses the financial system 145 through a predetermined communication network and provides the server with the ledger information of the ledger D / B 1200 of the financial system 145 for calculating the profitability. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1200 to the server (1300c).

Here, the ledger information is stored in the ledger D / B 1200 of the financial system 145, registered customer information 1205, new subscription account information 1210 associated with the customer information 1205, the new It is preferable to mean the employee information in charge of the subscription account.

In addition, the customer information 1205 may include at least one or more information such as a social security number, a customer information file (CIF), a customer name, a landline telephone number, a wireless telephone number, and the like.

In addition, the subscription account information 1210 preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts new subscription account information 1210 from the ledger information and extracts regional information from the new subscription account information 1210 (1305c). .

If information other than region-specific information is extracted from the subscription account information 1210, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in FIG. 13A, only the region-specific information portion is processed ( 1310c).

Thereafter, the server checks new regional account profitability information (1315c), and stores and registers the checked profitability information in the server D / B (1320c).

In this case, the profitability information of each new subscription account for each region may include the potential interest profitability that can be used to borrow and deposit interest on a newly registered savings account or a newly subscribed savings account, or the potential interest profitability of a new loan or a loan handling for a new loan. It is preferable to include at least one fee or the like.

Referring to FIG. 13D, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 1200 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1200 to the server (1300d).

Here, the ledger information is stored in the ledger D / B 1200 of the financial system 145, registered customer information 1205, new subscription cost information 1215 associated with the customer information 1205, the new It is preferable to mean the employee information in charge of the subscription account.

In addition, the customer information 1205 may include at least one or more information such as a social security number, a customer information file (CIF), a customer name, a landline telephone number, a wireless telephone number, and the like.

In addition, the subscription non-account information 1215 preferably comprises at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the new subscription fee account information 1215 from the ledger information, and extracts regional information from the new subscription fee account information 1215 (1305d). .

If information other than region-specific information is extracted from the subscription account information 1210, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in FIG. 13A, only the region-specific information portion is processed ( 1310d).

Thereafter, the server checks the profitability information of the new subscription fee for each region (1320d), and stores and registers the checked profitability information in the server D / B (1325d).

Here, the regional new subscription fee profitability information may include at least one of a handling fee for a new FX product transaction, a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is preferable to comprise.

Figure 14 shows a system configuration for calculating the profitability of the staff of the sex window according to the embodiment of the present invention.

More specifically, Figure 14 shows customer information 1405 (e.g., social security number, etc.), one or more subscription account information (1410) (e.g., savings account, savings account, etc.) or subscription cost account (1415) for calculating gender profitability. For example, they are in charge of foreign exchange products (export goods such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), subscription accounts or subscription accounts. Employee information, new subscription account information 1410 or new subscription fee account information 1415, new subscription account information 1410 or new subscription fee account information 1415 is processed, and the extracted employee information is extracted from the extracted information. Figure shows the internal configuration of the system for calculating the profitability for each employee by extracting the information about the gender, if you have a general knowledge in the field of the present invention, the gender profitability calculation with reference to FIG. top Would be able to infer a variety of embodiment of the system, the invention is not limited to the figure 14, it comprises all of the embodiments how the inference.

Here, the customer information 1405 preferably includes at least one information such as a resident registration number, a customer information file (CIF), a customer name, a landline telephone number, a wireless telephone number, and the like.

In addition, the subscription account information 1410 preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

In addition, the subscription account information 1415 preferably includes at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

According to the implementation method of the present invention, the gender profit calculation system of the employee of the sex window server for calculating the profitability by the sex account product or non-account product or the profitability of joining a new account product or a new non-account product sex gender calculation server 120, at least one financial transaction (eg, credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) services through at least one face-to-face or non-face-to-face financial transaction channel provided at the branch (or branch) of the financial institution; It comprises a financial system 145 to provide.

Here, the account product is preferably made of one or more products, such as savings accounts, savings accounts, loan accounts.

In addition, the non-account product is preferably made of one or more products, such as foreign exchange products, derivatives, securities, collateral services.

The gender profitability calculation server 120 is responsible for customer information 1405, one or more subscription account information 1410 or one or more subscription cost account information 1415 associated with the customer information 1405, the subscription account or subscription cost account. It is preferable to extract the employee information, new subscription account information 1410 or new subscription fee account information 1415 from the financial system 145 to check profitability according to gender for each employee based on the employee information. Referring to FIG. 14, the profitability according to the gender includes an operating profit less the revenue generation cost according to the gender required for generation of the profit from the profit according to the gender, and the revenue generation cost is Non-accounting costs, such as direct and indirect costs, for employees who sell products to the customer that include at least one account or non-account product to which the customer subscribes. An preferably comprises at least one.

It is preferable that the direct costs mean labor costs, labor costs, marketing costs, other goods costs, eastern estate maintenance costs, retirement allowances, depreciation expenses, and manufacturing costs.

The overhead cost preferably refers to expenses such as personnel expenses, post-salary living expenses, eastern estate management expenses, and financial planning expenses.

The gender profitability calculation server 120 has a D / B for storing a gender profitability calculation result or is linked with a separate D / B server having a D / B for storing gender profitability calculation results through a communication network.

Referring to FIG. 14, the gender profitability calculation server 120 may receive an information receiver 1425 (or information) that receives information from the ledger D / B 1400 in association with the external system 150 of the financial system 145. Information receiving means), an information extracting unit 1430 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 1400, and profitability information among information extracted from the ledger D / B 1400. Information confirmation unit (1435) (or information confirmation means) for confirming, profitability calculation unit (1440) (or profitability calculation means) for calculating profitability information from the profitability confirmation information, the profitability calculation information to the D / B An information storage unit 1445 (or information storage means) for storing is provided.

Here, the ledger D / B 1400 is a D / B provided in the financial system 145. The ledger D / B 1400 includes customer information 1405 and account information 1410 necessary for calculating profitability for the gender. ), Non-account information 1415, and employee information 1420.

According to the exemplary embodiment of the present invention, the information receiving unit 1425 may include the customer information 1405, the account information 1410 subscribed to the customer, the account employee information 1420, or the non-account information 1415 subscribed to the customer. ) And non-account clerk information (1420) or new account registration information (1410) and new subscription account staff information (1420) for the account newly registered by the customer or a new subscription non-account information ( 1415) and at least one information including at least one new employee account information (1420) in connection with the external system 150 of the financial system 145 receives the ledger information from the ledger D / B (1400) to extract the information Provided to section 1430.

Here, the ledger information is customer information (1405), account information (1410), non-account information (1415), employee information (1420) requesting from the gender profitability calculation server 120 to the financial system 145 in order to calculate gender profitability. It is preferable to comprise).

According to the exemplary embodiment of the present invention, the information extracting unit 1430 may include the customer information 1405 received from the information receiving unit 1425, one or more subscription account information 1410 associated with the customer information 1405, or a subscription fee. The account information 1415, the employee information in charge of the subscription account or subscription account, extracts information on a specific gender and provides the information to the information verification unit 1435, or the customer information received from the information receiving unit 1425 1405, the new subscription account information 1410 associated with the customer information 1405 or the new subscription fee account information 1415, and the gender information is extracted from the employee information managing the new subscription account or the new subscription fee account. It is provided to the confirmation unit 1435.

According to the exemplary embodiment of the present invention, the information checking unit 1435 may include the customer information 1405 extracted from the information extracting unit 1430, one or more subscription account information 1410 associated with the customer information 1405, or a subscription fee. From account information 1415, employee information in charge of the subscription account or subscription account, the profitability information of the subscription account or the non-account profitability information from the gender information, or the customer information 1405 extracted from the information extraction unit 1430, the New subscription account profitability information or new subscription cost account from the new subscription account information 1410 or new subscription cost information (1415) associated with the customer information (1405), gender information of the employee information to manage the new subscription account or the new subscription cost account Profitability information is checked and provided to the information storage unit 1445 and the profitability calculation unit 1440.

The profitability calculation unit 1440 may provide the profitability information of the subscription account according to the gender or the subscription cost account profitability information according to the gender or the new subscription account profitability information according to the sex provided by the information verification unit 1435. Profitability is calculated by linking profitability information according to various genders including at least one information. The calculated gender profitability information is provided to the information storage unit 1445.

According to the exemplary embodiment of the present invention, the profitability calculator 1440 calculates profitability information such as interest income or loan interest income for loan accounts that borrow interest from the savings account or savings account from the gender subscription account information. It is desirable to.

Here, the gender subscription account profitability information preferably includes at least one of the unpaid deposit fee, loan interest income for the loan account, and the like.

In addition, the profitability calculation unit 1440 may handle a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a derivative product, a handling fee for a securities, or a handling fee for ancillary services. It is desirable to calculate profitability information such as the above.

Here, it is preferable that the gender subscription ratio account profitability information includes at least one of a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services.

In addition, the gender new subscription account profitability information is a potential interest profitability for borrowing and receiving interest on a newly registered savings account or a newly subscribed savings account, or the potential interest profitability for new loans and loans for new loans. It is desirable to calculate profitability information such as handling fees.

Here, the gender new subscription account profitability information is a potential interest profitability for borrowing and depositing interest in a newly registered savings account or a newly subscribed savings account or a potential interest profitability for a new loan or a loan for a new loan. It is preferable to include at least one handling fee or the like.

In addition, the gender new subscription non-account profitability information includes profitability information such as a handling fee for a new foreign exchange product transaction, a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is preferable to calculate.

Here, the gender new subscription fee account profitability information includes at least one of a handling fee for a new foreign exchange transaction, a handling fee for joining a new derivative, a potential operation fee for joining a new derivative, or a handling fee for a new securities transaction. It is preferable to comprise as mentioned above.

According to an embodiment of the present invention, the employee / organization confirmation unit reads profitability information of a specific customer among customers belonging to a specific gender to check the type of employee / organization suitable for the customer, and connects with the customer ledger of the financial system 145. Receiving the address information of the customer, etc., to confirm the point close to the customer based on the customer address, to confirm the point adjacent to the customer address of the confirmed point, the appropriate staff / The organization is identified to provide the identified employee / organization information to the information storage unit 1445.

Here, the information on the appropriate employee / organization for the customer is information such as new credit products when the profitability through a credit for a specific customer (group), new reception when the profitability through a specific customer (group) is high It is preferable to include at least one of information such as a product.

According to the method of the present invention, the information storage unit 1445 stores the profitability information provided by the profitability calculation unit 1440 in the D / B provided in the gender profit calculation server 120 or the profitability calculation unit ( It is linked with a separate D / B server having a D / B for storing the profitability information provided in 1440 through a communication network.

According to the implementation method of the present invention, the financial system 145 is linked with the gender profit calculation server 120, the ledger information in connection with the ledger D / B 1400 in the financial system 145, gender profit calculation server It provides a function for providing to 120, and since the detailed description of the internal configuration has been described with reference to Figure 1, it is omitted.

Further, the ledger information for the ledger D / B 1400 of the financial system 145 has more information than the information shown in the ledger D / B 1400 of the financial system 145 shown in FIG. Only information for profitability calculation is shown.

15 is made of at least one gender subscription account profitability information, gender subscription non-account profitability information, gender new subscription account profitability information, gender new subscription non-account profitability information for calculating the profitability of gender counter staff according to an embodiment of the present invention It shows the operation flow of the system for calculating gender profitability.

In more detail, Figure 15 takes the ledger information from the ledger D / B 1400 of the financial system 145 shown in Figure 1 and the gender is calculated through the gender profitability calculation server 120 shown in Figure 14. Check profitability information on three conditions (gender subscription account profitability information, gender subscription ratio account profitability information, gender new subscription account profitability information, gender new subscription ratio account profitability information) and store them in the D / B of the gender profitability calculation server 120; Regarding the registration process, those skilled in the art to which the present invention pertains may refer to various embodiments of the system for calculating gender profitability with reference to this drawing 15. It is not limited to, but includes all the implementation methods inferred.

In addition, in the method of operating the profitability calculation result in FIG. 15, the gender profitability information is read to identify the type of employee / organization suitable for the customer, and the address information of the customer in connection with the customer ledger of the financial system 145. Receiving a, check the point close to the customer based on the customer address, the point of confirming the point adjacent to the customer address of the confirmed point, the process of identifying the employee / organization suitable for the customer at the confirmed point After the profitability calculation may be further included, it will be omitted for convenience in the detailed flow chart below.

Hereinafter, in FIG. 15, the gender profitability calculation server 120 shown in FIG. 14 is referred to as a “server” for convenience.

Referring to FIG. 15A, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the ledger D / B 1400 of the financial system 145 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1400 to the server (1500a).

Here, the ledger information is stored in the ledger D / B 1400 of the financial system 145, registered customer information 1405, subscription account information 1410 associated with the customer information 1405, the subscription account It is desirable to mean employee information in charge.

In addition, the customer information 1405 preferably comprises at least one or more information, such as a resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 1410 preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

Upon receiving the ledger information from the financial system 145 as described above, the server extracts the subscription account information 1410 from the ledger information and extracts the gender information from the subscription account information 1410 (1505a).

If information other than gender information is extracted from the subscription account information 1410, processing is performed with reference to the drawings shown below according to each customer (group) analysis unit, and only the gender information portion is processed in this figure 15a ( 1510a).

Thereafter, the server checks the profitability information of the gender subscription account (1515a), and stores and registers the confirmed profitability information in the server D / B (1520a).

Here, the gender subscription account profitability information preferably includes at least one of the unpaid deposit fee, loan interest income for the loan account, and the like.

Referring to FIG. 15B, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 1400 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1400 to the server (1500b).

Here, the ledger information is stored in the ledger D / B 1400 of the financial system 145, registered customer information (1405), subscription cost account information (1415) associated with the customer information 1405, the subscription fee account It is desirable to mean employee information in charge.

In addition, the customer information 1405 preferably comprises at least one or more information, such as a resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 1415 preferably includes at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription ratio account information 1415 from the ledger information and extracts gender information from the subscription ratio account information 1415 (1505b).

If information other than gender information is extracted from the subscription account information 1410, processing is performed with reference to the drawings shown below according to each customer (group) analysis unit, and only the gender information portion is processed in this figure 15a ( 1510b).

Thereafter, the server checks the profitability information of the gender subscription ratio account (1515b), and stores and registers the confirmed profitability information in the server D / B (1520b).

Here, it is preferable that the gender subscription ratio account profitability information includes at least one of a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services.

Referring to FIG. 15c, the server accesses the financial system 145 through a predetermined communication network and provides the ledger information of the ledger D / B 1400 of the financial system 145 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1400 to the server (1500c).

Here, the ledger information is stored in the ledger D / B 1400 of the financial system 145, registered customer information 1405, new subscription account information 1410 associated with the customer information 1405, the new It is preferable to mean the employee information in charge of the subscription account.

In addition, the customer information 1405 preferably comprises at least one or more information, such as a resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 1410 preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts new subscription account information 1410 from the ledger information and extracts gender information from the new subscription account information 1410 (1505c). ).

If information other than gender information is extracted from the subscription account information 1410, processing is performed with reference to the drawings shown below according to each customer (group) analysis unit, and only the gender information portion is processed in this figure 15a ( 1510c).

Thereafter, the server checks the gender new subscription account profitability information (1515c), and stores and registers the confirmed profitability information in the server D / B (1520c).

Here, the gender new subscription account profitability information refers to the potential interest profitability to borrow and deposit interest on a newly registered savings account or a newly registered savings account, or the potential interest profitability on a new loan or a loan handling on a new loan. It is preferable to include at least one fee or the like.

Referring to FIG. 15D, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 1400 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1400 to the server (1500d).

Here, the ledger information is stored in the ledger D / B 1400 of the financial system 145, registered customer information (1405), new subscription ratio account information (1415) associated with the customer information 1405, the It is preferable to mean the employee information in charge of the new subscription fee account.

In addition, the customer information 1405 preferably comprises at least one or more information, such as a resident registration number, Customer Information File (CIF), customer name, landline telephone number, wireless telephone number.

In addition, the subscription account information 1415 preferably includes at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the new subscription fee account information 1415 from the ledger information and extracts gender information from the new subscription fee account information 1415 (1505d). .

If information other than gender information is extracted from the subscription account information 1410, processing is performed with reference to the drawings shown below according to each customer (group) analysis unit, and only the gender information portion is processed in this figure 15a ( 1510d).

Thereafter, the server checks profitability information of the gender new subscription fee account (1520d), and stores and registers the confirmed profitability information in the server D / B (1525d).

Herein, the gender new subscription non-account profitability information includes at least one of a handling fee for a new foreign exchange transaction, a handling fee for joining a new derivative, a potential operation fee for joining a new derivative, or a handling fee for a new securities transaction. It is preferable to comprise.

Figure 16 shows a system configuration for calculating the profitability of the window staff by occupation according to the embodiment of the present invention.

More specifically, FIG. 16 shows customer information 1605 (eg, social security number, etc.), one or more subscription account information 1610 (eg, savings account, savings account, etc.) or subscription cost account 1615 for calculating profitability by occupation. (E.g., foreign exchange products (export goods such as heritages), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), collateral services (exchanges, etc.), subscription accounts or subscription accounts The employee information, new subscription account information 1610 or new subscription fee account information 1615, new subscription account information 1610, or new subscription fee account information 1615, which has been processed, is extracted, and the extracted information is extracted. Figure 2 shows the internal configuration of a system for calculating profitability for each employee by extracting information about a job in the case of a person having ordinary knowledge in the field to which the present invention pertains, referring to FIG. Calculation For would be able to infer a variety of embodiment of the system, the invention is not limited to the figure 16, it comprises all of the embodiments how the inference.

Here, the customer information 1605 may include at least one or more information such as a resident registration number, a customer information file (CIF), a customer name, a landline telephone number, a wireless telephone number, and the like.

In addition, the subscription account information 1610 preferably comprises at least one or more information about the account, such as a savings account, savings account, etc., the customer subscribed.

In addition, the subscription non-account information 1615 preferably includes at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

According to the implementation method of the present invention, the profitability calculation system of the window staff for each job is a job for calculating the profitability based on the profitability calculation by occupational accounting products or non-accounting products or the subscription of new accounting products or new non-accounting products by occupation. At least one financial transaction (eg, credit, receiving, currency exchange, foreign currency remittance, financial investment) through at least one face-to-face or non-face-to-face financial transaction channel provided in each server 140, branch (or branch) of a financial institution Etc.) is provided with a financial system 145 for providing a service.

Here, the account product is preferably made of one or more products, such as savings accounts, savings accounts, loan accounts.

In addition, the non-account product is preferably made of one or more products, such as foreign exchange products, derivatives, securities, collateral services.

The profitability calculation server 140 for each job may include customer information 1605, one or more subscription account information 1610 or one or more subscription cost account information 1615, the subscription account or subscription cost account associated with the customer information 1605. It is preferable to extract the employee information, new subscription account information 1610 or new subscription cost account information 1615 in charge from the financial system 145 to check the profitability of each employee based on the employee information. Referring to FIG. 16, the profitability according to the job is made up of the profit according to the job, including the operating profit which is subtracted from the revenue generation cost according to the job required for generation of the profit, and the revenue generation cost The direct and indirect costs, etc. for the employee who sells to the customer a product containing at least one account product or non-account product subscribed to the customer It comprises for the at least one are preferred.

It is preferable that the direct costs mean labor costs, labor costs, marketing costs, other goods costs, eastern estate maintenance costs, retirement allowances, depreciation expenses, and manufacturing costs.

The overhead cost preferably refers to expenses such as personnel expenses, post-salary living expenses, eastern estate management expenses, and financial planning expenses.

The profitability calculation server 140 for each job includes a D / B for storing profitability calculation results for each job, or interworking with a separate D / B server having a D / B for storing profitability calculation results for each job. do.

Referring to FIG. 16, the job-specific profitability calculation server 140 receives an information receiver 1625 for receiving information from the ledger D / B 1600 in association with the external system 150 of the financial system 145 ( Or information receiving means), an information extracting unit 1630 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 1600, and the information extracted from the ledger D / B 1600. An information checking unit 1635 (or information checking means) for checking profitability information, a profitability calculating unit 1640 (or profitability calculating means) for calculating profitability information from the profitability checking information, and the profitability calculation information as D / B. And an information storage unit 1645 (or information storage means) stored in the storage unit.

Here, the ledger D / B 1600 is a D / B provided in the financial system 145. The ledger D / B 1600 includes customer information 1605 and account information 1610 necessary for calculating profitability for a job. ), Non-account information 1615, and employee information 1620.

According to the exemplary embodiment of the present invention, the information receiving unit 1625 includes the customer information 1605, the account information 1610 to which the customer has subscribed, the account employee information 1620, or the non-account information 1615 to which the customer has subscribed. ) And non-account clerk information (1620) or new account registration information (1610) and new subscription account staff information (1620) for the account newly registered by the customer or a new subscription non-account information ( 1615) and information including at least one of the new accounting account clerk information 1620 is provided with ledger information from the ledger D / B 1600 in conjunction with the external system 150 of the financial system 145 to extract the information Provided to section 1630.

Here, the ledger information is the customer information (1605), account information (1610), non-account information (1615), employee information requested by the job profitability calculation server 140 to the financial system 145 for job profitability calculation It is preferable to include (1620).

According to the exemplary embodiment of the present invention, the information extracting unit 1630 may include the customer information 1605 received from the information receiving unit 1625, one or more subscription account information 1610 associated with the customer information 1605, or a subscription fee. The account information 1615, the employee information in charge of the subscription account or subscription account, extracts the information on a specific job to provide to the information check unit 1635, or the customer received by the information receiving unit 1625 Extracts job-specific information from information 1605, new subscription account information 1610 associated with the customer information 1605, new subscription fee account information 1615, and employee information managing the new subscription account or the new subscription fee account. Provided to the information verification unit 1635.

According to the exemplary embodiment of the present invention, the information confirming unit 1635 may include the customer information 1605 extracted from the information extracting unit 1630, one or more subscription account information 1610 associated with the customer information 1605, or a subscription fee. Account information 1615, subscription account profitability information or non-account profitability information from job information among employees in charge of the subscription account or subscription account, or the customer information 1605 extracted from the information extraction unit 1630, The new subscription account profitability information or the new subscription account information from the new subscription account information 1610 associated with the customer information (1605) or the new subscription account information (1615), the employee information for managing the new subscription account or the new subscription cost account; Checking the subscription ratio account profitability information is provided to the information storage unit 1645 and the profitability calculation unit 1640.

The profitability calculation unit 1640 may include at least one of subscription job profitability information, job subscription fee profitability information, job subscription new account profitability information or job subscription new account profitability information provided by the information checking unit 1635. Profitability is calculated in connection with various occupational profitability information including the above, and provides the calculated occupational profitability information to the information storage unit 1645.

According to the implementation method of the present invention, the profitability calculation unit 1640 borrows the deposit for the savings account or savings account from the occupational subscription account information and receives profitable information such as interest income or loan interest income for the loan account for receiving interest. It is preferable to calculate.

Here, it is preferable that the occupational subscription account profitability information includes at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

In addition, the profitability calculation unit 1640 handles a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a derivative product, a handling fee for a securities, or an incidental service in the subscription fee account information for each job. It is desirable to calculate profitability information such as a fee.

Here, it is preferable that the occupational subscription fee account profitability information includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for derivatives, a handling fee for securities, and a handling fee for ancillary services. .

In addition, the profitability information of the new subscription account for each job may include the potential interest profitability for borrowing and receiving interest on a newly registered savings account or a newly subscribed savings account, or the potential interest profitability for new loans and new loans. It is desirable to calculate profitability information such as loan handling fees.

Here, the profitability information of the new subscription account for each job may include a potential interest profitability for borrowing and receiving interest on a newly registered savings account or a newly subscribed savings account or a potential interest profitability for a new loan or a new loan. It is preferable to include at least one or more loan handling fees.

In addition, the profitability information of the new subscription fee by occupation includes profitability such as a handling fee for a new foreign exchange transaction, a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is desirable to calculate the information.

In this case, the new subscription fee account profitability information for each job includes at least a handling fee for a new foreign exchange transaction, a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is preferable to include one or more.

According to an embodiment of the present invention, the employee / organization confirmation unit reads profitability information of a specific customer among individual customers to confirm the type of employee / organization suitable for the customer, and the customer in connection with the customer ledger of the financial system 145. Receiving address information, such as to confirm the point of close proximity to the customer based on the customer address, the point of confirmation close to the customer address of the confirmed point, and the employee / organization suitable for the customer at the confirmed point Check and provide the identified employee / organization information to the information storage unit 1645.

Here, the information on the appropriate employee / organization for the customer is information such as new credit products when the profitability through a credit for a specific customer (group), new reception when the profitability through a specific customer (group) is high It is preferable to include at least one of information such as a product.

According to the method of the present invention, the information storage unit 1645 stores the profitability information provided by the profitability calculation unit 1640 in the D / B provided in the job-specific profitability calculation server 140, or the profitability calculation unit It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in (1640).

According to the implementation method of the present invention, the financial system 145 is linked to the job-specific profitability calculation server 140 in connection with the ledger D / B 1600 in the financial system 145, the profitability by job It provides a function for providing to the calculation server 140, and since the detailed description of the internal configuration has been described with reference to Figure 1, it is omitted.

In addition, the ledger information for the ledger D / B 1600 of the financial system 145 has more information than the information shown in the ledger D / B 1600 of the financial system 145 shown in Figure 16, Only the information for calculating profitability is shown.

Figure 17 shows at least the occupational subscription account profitability information, occupational subscription cost account profitability information, occupational subscription account profitability information, occupational new subscription account profitability information at least to calculate the profitability of the teller window by occupation according to the embodiment of the present invention It shows the operation flow of the system for calculating profitability by occupation including one or more.

In more detail, FIG. 17 shows the ledger information from the ledger D / B 1600 of the financial system 145 shown in FIG. 1, and the job-specific profitability calculation server 140 shown in FIG. Profitability calculation server of the job by checking profitability information on five conditions (profitability account subscription information by job, subscription cost account profitability by job, profitability information of new subscription account by job, profitability information of new subscription cost by job) Regarding the process of storing and registering in D / B, a person having ordinary knowledge in the field to which the present invention belongs may infer various implementation methods of a system for calculating profitability by occupation with reference to FIG. 17. The present invention is not limited to this figure 17, but includes all implementation methods inferred from the above.

In addition, in the method of operating profitability calculation results in FIG. 17, the profitability information for each job is read to identify the type of employee / organization suitable for the customer, and the address information of the customer is linked to the customer ledger of the financial system 145. Receiving a point close to the customer based on the customer address, etc., and confirming a point adjacent to the customer address of the confirmed point, and confirming the employee / organization suitable for the customer at the confirmed point This profitability may be further included after calculation, and will be omitted for convenience in the detailed flowchart below.

Hereinafter, in FIG. 17, the job-specific profitability calculation server 140 illustrated in FIG. 16 is referred to as a “server” for convenience.

Referring to FIG. 17A, the server accesses the financial system 145 through a predetermined communication network and provides the ledger information of the financial system 145 ledger D / B 1600 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1600 to the server (1700a).

Here, the ledger information is stored in the ledger D / B 1600 of the financial system 145, registered customer information 1605, subscription account information 1610 associated with the customer information 1605, the subscription account It is desirable to mean employee information in charge.

In addition, the customer information 1605 may include at least one or more information such as a social security number, a customer information file (CIF), a customer name, a landline phone number, and a wireless phone number.

In addition, the subscription account information 1610 preferably comprises at least one or more information about the account, such as a savings account, savings account, etc., the customer subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription account information 1610 from the ledger information and extracts job-specific information from the subscription account information 1610 (1705a).

If information other than job information is extracted from the subscription account information 1610, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in this drawing 17a, only the job information part is processed. (1710a).

Thereafter, the server checks the profitability information of the subscription account for each job (1715a), and stores and registers the confirmed profitability information in the server D / B (1720a).

Here, it is preferable that the occupational subscription account profitability information includes at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

Referring to FIG. 17B, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 1600 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1600 to the server (1700b).

Here, the ledger information is stored in the ledger D / B 1600 of the financial system 145, registered customer information (1605), subscription cost account information (1615) associated with the customer information (1605), the subscription fee account It is desirable to mean employee information in charge.

In addition, the customer information 1605 may include at least one or more information such as a social security number, a customer information file (CIF), a customer name, a landline phone number, and a wireless phone number.

In addition, the subscription non-account information 1615 preferably includes at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the subscription ratio account information 1615 from the ledger information and extracts job-specific information from the subscription ratio account information 1615 (1705b).

If information other than job information is extracted from the subscription account information 1610, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in this drawing 17a, only the job information part is processed. (1710b).

Thereafter, the server checks profitability information of the subscription fee account for each job (1715b), and stores and registers the checked profitability information in the server D / B (1720b).

Here, it is preferable that the occupational subscription fee account profitability information includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for derivatives, a handling fee for securities, and a handling fee for ancillary services. .

Referring to FIG. 17C, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the ledger D / B 1600 of the financial system 145 for calculating the profitability to the server. In response thereto, the financial system 145 provides the ledger information of the ledger D / B 1600 to the server (1700c).

Here, the ledger information is stored in the ledger D / B 1600 of the financial system 145, registered customer information 1605, new subscription account information 1610 associated with the customer information 1605, the new It is preferable to mean the employee information in charge of the subscription account.

In addition, the customer information 1605 may include at least one or more information such as a social security number, a customer information file (CIF), a customer name, a landline phone number, and a wireless phone number.

In addition, the subscription account information 1610 preferably comprises at least one or more information about the account, such as a savings account, savings account, etc., the customer subscribed.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts new subscription account information 1610 from the ledger information and extracts job-specific information from the new subscription account information 1610 ( 1705c).

If information other than job information is extracted from the subscription account information 1610, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in this drawing 17a, only the job information part is processed. (1710c).

Thereafter, the server checks the new subscription account profitability information for each job (1715c), and stores and registers the checked profitability information in the server D / B (1720c).

Here, the profitability information of each new subscription account for each job is a potential interest profitability that can be used to borrow and deposit interest on a newly registered savings account or a newly registered savings account, or a potential interest profitability on a new loan or a loan on a new loan. It is preferable to include at least one handling fee or the like.

Referring to FIG. 17D, the server accesses the financial system 145 through a predetermined communication network, and provides the ledger information of the financial system 145 ledger D / B 1600 for calculating the profitability to the server. In response to the request, the financial system 145 provides the ledger information of the ledger D / B 1600 to the server (1700d).

Here, the ledger information is stored in the ledger D / B 1600 of the financial system 145, registered customer information (1605), new subscription ratio account information (1615) associated with the customer information (1605), the It is preferable to mean the employee information in charge of the new subscription fee account.

In addition, the customer information 1605 may include at least one or more information such as a social security number, a customer information file (CIF), a customer name, a landline phone number, and a wireless phone number.

In addition, the subscription non-account information 1615 preferably includes at least one non-account information subscribed by a customer, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 145 as described above, the server extracts the new subscription fee account information 1615 from the ledger information and extracts job-specific information from the new subscription fee account information 1615 (1705d). ).

If information other than job information is extracted from the subscription account information 1610, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in this drawing 17a, only the job information part is processed. (1710d).

Thereafter, the server checks the profitability information of the new subscription fee account for each job (1720d), and stores and registers the checked profitability information in the server D / B (1725d).

The profitability information of the new subscription fee for each occupation includes at least one of a handling fee for a new foreign exchange transaction, a handling fee for joining a new derivative, a potential operation fee for joining a new derivative, or a handling fee for a new securities transaction. It is preferable to comprise as mentioned above.

Figure 18 shows the configuration of an integrated profitability result calculation system incorporating profitability information calculated by each server according to an embodiment of the present invention.

In more detail, Figure 18 shows the employee information, the employee's position information, the employee's organization information to the individual customer group profitability calculation server 105, or the PB customer group profitability calculation server 125 for integrated profitability calculation ), Or the special customer group profitability calculation server 110, or the corporate customer group profitability calculation server 130, or the age-specific profitability calculation server 115, or region-specific profitability calculation server 135, or gender profitability calculation server 120, or as shown in the internal configuration of the system for operating the profitability calculation results for each branch or organization according to the customer (group) provided from the profitability calculation server 140 for each job, the general knowledge in the field of the present invention Persons having the above will be able to infer various implementation methods of the system for operating the integrated profitability calculation result with reference to this drawing 18, but the present invention is limited to this drawing 18. But not including all implementation methods inferred.

According to an embodiment of the present invention, the integrated profitability calculation system includes employee profitability information of individual customer group, employee profitability information of PB customer group, employee profitability information of special customer group, employee profitability information of corporate customer. Integrated profitability calculation server (100), financial institution for integrated profitability calculation based on employee profitability information by age, employee profitability information by region, employee profitability information by gender, and employee profitability information by job A financial system for providing at least one financial transaction (eg, credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) service through at least one face-to-face or non-face-to-face financial transaction channel at a branch (or branch) of And 145).

The integrated profitability calculation server 100 includes employee information, branch information of the employee, organizational information of the employee, profitability information of the individual customer group linked to the employee information, profitability information of the PB customer group, and special customer group. Profitability information, profitability information of the corporate customer group, profitability information by age, profitability information by region, gender profitability information, profitability information by occupation, individual customer group profitability calculation server (105), PB customer group profitability calculation server (125), special customer group From profitability calculation server 110, corporate customer group profitability calculation server 130, age-specific profitability calculation server 115, regional profitability calculation server 135, gender profitability calculation server 120, occupational profitability calculation server 140 Extraction, it is preferable to check the integrated profitability of each branch or organization according to the customer (group) according to the branch information of the employee or the organization information of the employee.

In addition, the profitability for each customer (group) includes an operating profit less the revenue generation cost according to the customer (group) required to generate the revenue from the revenue according to the customer (group), the revenue It is preferable that the required cost includes at least one or more of costs such as direct and indirect costs for an employee who sells a product including at least one account product or non-account product to the customer.

It is preferable that the direct costs mean labor costs, labor costs, marketing costs, other goods costs, eastern estate maintenance costs, retirement allowances, depreciation expenses, and manufacturing costs.

The overhead cost preferably refers to expenses such as personnel expenses, post-salary living expenses, eastern estate management expenses, and financial planning expenses.

The integrated profitability calculation server 100 has a D / B for storing the integrated profitability calculation results for each branch or organization according to the customer (group) or stores the integrated profitability calculation results for each branch or organization according to the customer (group). Interworking with a separate D / B server having a D / B through a communication network.

Referring to Figure 18, the integrated profitability calculation server 100, the individual customer group profitability calculation server 105, PB customer group profitability calculation server 125, special customer group profitability calculation server 110, corporate customer group Profitability calculation server 130, profitability calculation server age by age 115, regional profitability calculation server 135, gender profitability calculation server 120, job profitability calculation server 140 in conjunction with the profitability from each server D / B Information receiving unit 1800 (or information receiving means) for receiving information, the personal customer group profitability calculation server 105 D / B 1830, PB customer group profitability calculation server D / B 1835, special customer group Profitability calculation server 110 D / B (1840), corporate customer group profitability calculation server 130 D / B (1845), age-specific profitability calculation server D / B (1850), regional profitability calculation server D / B (1855) Information needed from the Gender Profit Server D / B (1860) and the Job Profit Server (D / B) by Job (1865) Information extraction unit 1805 (or information extraction means) to extract, the individual customer group profitability calculation server 105 D / B 1830, PB customer group profitability calculation server D / B (1835), special customer group profitability calculation Server 110 D / B (1840), Corporate Customer Group Profitability calculation server 130 D / B (1845), Profitability calculation server D / B by age (1850), Profitability calculation server D / B by region (1855), Gender Profitability calculation unit 1815 (or profitability calculation means) for calculating profitability among information extracted from profitability calculation server D / B 1860 and job-specific profitability calculation server D / B 1865, and a corresponding point in the above profitability calculation information. Or an information confirmation unit 1810 (or information confirmation means) for confirming the organization, and an information storage unit 1820 (or information storage means) for storing the profitability calculation information in the D / B. .

Here, the individual customer group profitability calculation server 105, D / B (1830) is to include the employee-specific profitability information, employee information, the branch information of the employee, organizational information of the employee for the individual customer group desirable.

In addition, the PB customer group profitability calculation server D / B 1835 preferably includes profitability information for each employee, employee information, branch information of the employee, and organizational information of the employee.

In addition, the special customer group profitability calculation server 110 D / B (1840) is to include the employee-specific profitability information, employee information, the branch information of the employee, organizational information of the employee for the special customer group desirable.

In addition, the corporate customer group profitability calculation server 130, D / B (1845) is made to include the employee-specific profitability information, employee information, the employee branch information, the employee organization information of the employee for the corporate customer group desirable.

In addition, the age-based profitability calculation server D / B 1850 preferably comprises the employee-specific profitability information, the employee information, the employee's position information, the employee's organizational information of the employee.

In addition, the regional profitability calculation server D / B (1855) is preferably made to include the employee-specific profitability information, employee information, employee position information, employee organization information of the employee.

In addition, the gender profit calculation server D / B (1860) is preferably made to include the employee-specific profitability information, the employee information, the employee's position information, the employee's organization information.

In addition, the job-specific profitability calculation server D / B (1865) is preferably made to include the employee-specific profitability information, employee information, employee belonging point information, the employee organization information of the employee.

According to the exemplary embodiment of the present invention, the information receiving unit 1800 includes employee information, branch information of the employee, organizational information of the employee, personal customer group profitability information associated with the employee information, or PB customer group profitability information, Special customer group profitability information, age-based profitability information, regional profitability information, gender profitability information, occupational profitability information including at least one or more information consisting of individual customer group profitability calculation server 105, PB customer group profitability calculation server 125 , Special customer group profit calculation server (110), corporate customer group profit calculation server (130), age-specific profit calculation server (115), regional profit calculation server (135), gender profit calculation server (120), job profit calculation server Profitability information is received from 140 and provided to the information extraction unit 1805.

Here, the profitability information for the individual customer group includes at least one or more profitability information by the account product or non-account product of the individual customer group, profitability information according to the new account product or new non-account product subscription of the individual customer group, etc. It is desirable.

In addition, the account product preferably comprises one or more products, such as savings accounts, savings accounts, loan accounts.

In addition, the non-account product is preferably made of one or more products, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the profitability information of the PB customer group may include at least one of profitability information of an account product or a non-account product of the PB customer group, profitability information of a new account product or a new non-account product of the PB customer group, etc. It is preferable.

In addition, the profitability information for the special customer group includes at least one or more profitability information by the account product or non-account product of the special customer group, profitability information by joining a new account product or a new non-account product of the special customer group, etc. It is preferable.

In addition, the profitability information for the corporate customer group includes at least one or more profitability information by the account product or non-account product of the corporate customer group, profitability information according to the new account product or new non-account product subscription of the corporate customer group, etc. It is preferable.

In addition, the profitability information by age may include at least one or more profitability information by age-based account products or non-account products, profitability information according to new account products or new non-account products by age.

In addition, the profitability information for each region may include at least one or more profitability information by regional account products or non-account products, profitability information according to new regional account products or new non-account product subscriptions, and the like.

In addition, the gender profitability information may include at least one or more profitability information by gender account products or non-account products, profitability information by joining new gender account products or new non-account products.

In addition, the profitability information by occupation may include at least one or more profitability information by occupational account products or non-account products, profitability information according to new account products or new non-account products by occupation, and the like.

According to the embodiment of the present invention, the information extracting unit 1805 is the employee information received from the information receiving unit 1800, the employee's place information, the employee's organization information, the individual customer associated with the employee information Profitability information by employee's branch office or organization in group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age-specific profitability information, regional profitability information, gender profitability information, occupational profitability information Extract it and provide it to the information verification unit 1810.

According to the exemplary embodiment of the present invention, the information checking unit 1810 is connected to the employee information provided by the information extraction unit 1805, the employee's position information, the employee's organization information, the employee information associated with the employee information Profitability by employee's branch or organization in customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age-related profitability information, regional profitability information, gender profitability information, occupational profitability information The information is confirmed and provided to the profitability calculator 1815.

The profitability calculation unit 1815 may include personal customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age-based profitability information, regional profitability information, and the like provided by the information checker 1810. Profitability is calculated by linking gender profitability information and occupational profitability information with branch or organizational information, and provides the calculated integrated profitability information to the information storage unit 1820.

According to the exemplary embodiment of the present invention, the profitability calculator 1815 calculates profitability in connection with the branch or organization information of the employee in the personal customer group profitability information provided by the information checker 1810.

Here, the profitability information for each branch or organization may include personal customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age profitability information, regional profitability information, gender profitability information, and job profitability. It is preferable to include at least one information.

In addition, the profitability calculation unit 1815 calculates profitability in connection with the branch or organization information of the employee in the PB customer group profitability information provided by the information confirmation unit 1810.

In addition, the profitability calculation unit 1815 calculates profitability in connection with the branch or organization information of the employee in the special customer group profitability information provided by the information confirmation unit 1810.

In addition, the profitability calculation unit 1815 calculates profitability in connection with the branch or organization information of the employee in the corporate customer group profitability information provided by the information confirmation unit 1810.

In addition, the profitability calculation unit 1815 calculates profitability in connection with the branch or organization information of the employee in the profitability information for each age provided by the information confirmation unit 1810.

In addition, the profitability calculation unit 1815 calculates profitability in connection with the branch or organization information of the employee in the regional profitability information provided by the information checking unit 1810.

In addition, the profitability calculation unit 1815 calculates profitability in connection with the branch or organization information of the employee in the gender profitability information provided by the information checking unit 1810.

In addition, the profitability calculation unit 1815 calculates profitability in connection with the branch or organization information of the employee in the profitability information for each job provided by the information confirmation unit 1810.

According to the exemplary embodiment of the present invention, the information storage unit 1820 stores the profitability information provided by the profitability calculation unit 1815 in a D / B provided in the integrated profitability calculation server 100 or the profitability calculation unit ( It is linked with a separate D / B server having a D / B for storing the profitability information provided in 1815 through a communication network.

Figure 19 shows individual customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age-specific profitability information, regional profitability for integrated profitability calculation by branch or organization according to the method of the present invention. It shows the operation flow of the system for calculating profitability by branch or organization comprising at least one of information, gender profitability information, occupational profitability information.

More specifically, FIG. 19 shows the individual customer group profitability calculation server 105 shown in FIG. 2, the PB customer group profitability calculation server 125 shown in FIG. 4, and the special customer group profitability calculation server shown in FIG. 110), the corporate customer group profitability calculation server 130 shown in FIG. 8, the age-specific profitability calculation server 115 shown in FIG. 10, the regional profitability calculation server 135 shown in FIG. 12, and the gender shown in FIG. Profitability calculation server 120, by taking the profitability information from the D / B of the job-specific profitability calculation server 140 shown in Figure 16 to calculate the profitability information for each branch or organization shown in Figure 18 by the integrated profitability calculation server ( Regarding the process of storing and registering in D / B of 100), those skilled in the art to which the present invention pertains, various implementation methods of a system for calculating profitability by branch or organization with reference to this drawing 19 Can be inferred Would the present invention is not limited to the figure 19, comprises all of the embodiments how the inference.

Hereinafter, in FIG. 19, the integrated profitability calculation server 100 shown in FIG. 18 is referred to as a "server" for convenience.

19, the personal customer group profitability calculation server 105, the PB customer group profitability calculation server 125, or the special customer group profitability calculation server 110, or a corporate customer through a predetermined communication network in the server. The individual customer group for the profitability calculation server 130, the age-specific profitability calculation server 115, the regional profitability calculation server 135, or the gender profitability calculation server 120, and the server to the profitability calculation server 120, Profitability calculation server 105, or PB customer group profitability calculation server 125, or special customer group profitability calculation server 110, or corporate customer group profitability calculation server 130, or age-specific profitability calculation server 115, or Requests to provide profitability information stored and registered in the D / B of each regional profitability calculation server 135, gender profitability calculation server 120, or occupational profitability calculation server 140, and correspondingly, Guest group profitability calculation server 105, or PB customer group profitability calculation server 125, or special customer group profitability calculation server 110, or corporate customer group profitability calculation server 130, or age-specific profitability calculation server (115) ), Or the regional profitability calculation server 135, the gender profitability calculation server 120, or the occupational profitability calculation server 140 provides profitability information of D / B to the server (1900).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In operation 1905, the branch or organization information of the employee is identified from the information provided from the server.

When extracting information on a point or organization other than the point or organization being calculated from the information provided from the server, the extracted information is discarded and only a part of the point or organization being calculated is processed (1910).

Thereafter, the server profitability information, PB customer group profitability information, or special customer group profitability information, or corporate customer group profitability information, or age-specific profitability information, or regional profitability information, or gender profitability information, job In the profitability information, the integrated profitability of each branch or organization is calculated according to the customer (group) (1915), and the calculated profitability information is stored and registered in the server D / B (1920).

Here, the profitability information for the individual customer group includes at least one or more profitability information by the account product or non-account product of the individual customer group, profitability information according to the new account product or new non-account product subscription of the individual customer group, etc. It is preferable.

In addition, the account product preferably comprises one or more products, such as savings accounts, savings accounts, loan accounts.

In addition, the non-account product is preferably made of one or more products, such as foreign exchange products, derivatives, securities, collateral services.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

In addition, the profitability information of the PB customer group may include at least one of profitability information of an account product or a non-account product of the PB customer group, profitability information of a new account product or a new non-account product of the PB customer group, and the like. It is preferable.

In addition, the profitability information for the special customer group includes at least one or more profitability information by the account product or non-account product of the special customer group, profitability information by joining a new account product or a new non-account product of the special customer group, etc. It is preferable.

In addition, the profitability information for the corporate customer group includes at least one or more profitability information by the account product or non-account product of the corporate customer group, profitability information according to the new account product or new non-account product subscription of the corporate customer group, etc. It is preferable.

In addition, the profitability information by age may include at least one or more profitability information by age-based account products or non-account products, profitability information according to new account products or new non-account products by age.

In addition, the profitability information for each region may include at least one or more profitability information by regional account products or non-account products, profitability information according to new regional account products or new non-account product subscriptions, and the like.

In addition, the gender profitability information may include at least one or more profitability information by gender account products or non-account products, profitability information by joining new gender account products or new non-account products.

In addition, the profitability information by occupation may include at least one or more profitability information by occupational account products or non-account products, profitability information according to new account products or new non-account products by occupation, and the like.

Here, the profitability information for each branch or organization may include personal customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age profitability information, regional profitability information, gender profitability information, and job profitability. It is preferable to include at least one information.

According to the present invention, the profitability calculation targets are classified into individual customer groups, PB customer groups, special customer groups, age groups, regions, genders, occupations, and the like. Based on the results of profitability calculation, it is possible to suggest a plan for rational staff operation.

Here, the employee's management of the profitability calculation results, if a certain employee is excellent in profitability for the individual customer group, if the focus is placed on the work for the individual customer group, or if the profitability for the PB customer group is excellent, If you focus on the PB customer group, or if you are profitable for the special customer group, if you focus on the special customer group, or if you are profitable for the corporate customer group, To focus on work for a certain age, or to focus on work for a certain age, or to work for a specific area if profitable for a particular area, Or if you are profitable for a particular gender, If placed, or excel profitable for a particular job, it may be placed on the work focuses on a specific job.

In addition, the financial company may propose a method for rational organization and branch management based on the results of the profitability calculation for each integrated organization / branch based on the results of profitability calculation for each employee.

In this case, when the employee is excellent in a predetermined organization or branch, the employee may focus on a predetermined organization or branch, or when the employee is less profitable in another organization, the employee may be placed in another organization or branch to improve profitability. .

In addition, when the above two results are mixed and profitability of a certain age is excellent in a specific region, the profitability may be improved by performing various marketing such as operating a unit branch of a specific region by specializing the portion.

Claims (6)

In the information extraction means, the account product information that the customer subscribes to, including at least one savings account information and the savings account information, through the specific customer information calculated for the specific profitability from the ledger database; and the non-account product information that the customer subscribes to. Extracting customer financial information including one or more information, derivative information, security information, and one or more exchange information; In the profitability calculation method, the customer group of the financial institution is classified into a personal customer group, a private bank (PB) customer group, a special customer group, and a corporate customer group according to the profitability calculation target for each customer of the financial institution. Identify the one or more customer groups that contain the customer through the subscribed account product information and the non-account product information, identify the employees (or financial transaction channels) for the identified one or more customer groups, and Revenue information including profits generated from the work of the employee (or financial transaction channel) among the profits on account products and non-account products, and direct cost-labor cost and labor cost spent on the work of the employee (or financial transaction channel). Includes one or more of the cost of goods, marketing, goods, maintenance of eastern garden, provision for retirement allowances, depreciation, tax and processing expenses-and indirect expenses-personnel expenses, salary Calculating customer profitability information, including revenue generating costs information that includes - dongbi living, dynamic real estate management expenses, including one or more financial planning expenses; And And storing the calculated customer-specific profitability information and the customer information in a storage medium in an information storage means. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Customer information and account product information to which the customer has subscribed, including one or more savings account information and savings account information, and non-account product information to which the customer has subscribed, foreign exchange product information, derivatives information, securities information, and currency exchange information. A ledger database that stores customer financial information including one or more include-one or more; Revenue information including profits generated through the work of the employees (or financial transaction channels) of the personal customer group among the profits generated through the account products and non-account products subscribed by the customers belonging to the personal customer group, and the employee (or financial Transaction channels), including direct expenses-labor expenses, labor expenses, marketing expenses, goods expenses, maintenance of eastern real estate, allowances for retirement allowances, depreciation expenses, and at least one tax and processing expenses-and indirect expenses-personnel activities expenses, post-salary living expenses, An individual customer group profitability calculation server for calculating profitability information including revenue generation cost information including one or more of eastern estate management activity costs and financial planning activity costs; Revenue information including profits generated through the work of the employees (or financial transaction channels) of the PB customer group, among the profits generated through account products and non-account products subscribed to by customers belonging to the PB customer group, and the employees (or finance) Transaction channels), including direct expenses-labor expenses, labor expenses, marketing expenses, goods expenses, maintenance of eastern real estate, allowances for retirement allowances, depreciation expenses, and at least one tax and processing expenses-and indirect expenses-personnel activities expenses, post-salary living expenses, A PB customer group profitability calculation server that calculates profitability information including revenue generation cost information including one or more of eastern estate management activity costs and financial planning activity costs; Revenue information including profits generated through the work of the employees (or financial transaction channels) of the special customer group, among the profits generated through account products and non-account products subscribed by customers belonging to the special customer group, and the employee (or financial) Transaction channels), including direct expenses-labor expenses, labor expenses, marketing expenses, goods expenses, maintenance of eastern real estate, allowances for retirement allowances, depreciation expenses, and at least one tax and processing expenses-and indirect expenses-personnel activities expenses, post-salary living expenses, A special customer group profitability calculation server for calculating profitability information including revenue generation cost information including one or more of eastern estate management activity costs and financial planning activity costs; Revenue information including profits generated through the work of the employees (or financial transaction channels) of the customer customer group of the customer customer group and the profits generated through account products and non-account products subscribed by customers belonging to the enterprise customer group; Transaction channels), including direct expenses-labor expenses, labor expenses, marketing expenses, goods expenses, maintenance of eastern real estate, allowances for retirement allowances, depreciation expenses, and at least one tax and processing expenses-and indirect expenses-personnel activities expenses, post-salary living expenses, A corporate customer group profitability calculation server for calculating profitability information including revenue generation cost information including at least one eastern estate management activity cost and financial planning activity cost; The customer groups of financial institutions are categorized into individual customer groups, private bank (PB) customer groups, special customer groups, and corporate customer groups according to the financial object's profitability calculation targets. The account product information and the non-account product information extracted from the database are compared with the account product information and the non-account product information of each customer group to identify one or more customer groups to which the customer corresponding to the customer information belongs, and the one or more identified An integrated profitability calculation server that calculates profitability information for each customer group for the customer in connection with each profitability calculation server corresponding to the customer group, and calculates profitability information for the customer by summing profitability information for each customer group; Profit calculation system for each customer, characterized in that it comprises a. delete delete Accounts generated by a customer belonging to an individual customer group, including one or more savings accounts or savings accounts, and any non-account products that the customer has subscribed to, including one or more foreign exchange products, derivatives, securities, and currency exchanges. Profit information including profits generated through the work of the employees (or financial transaction channels) of the individual customer group, direct costs-labor costs, labor costs, marketing costs, Revenues include merchandise, eastern estate maintenance expenses, pension allowances, depreciation expenses, one or more expenses including overhead costs, including overhead expenses, personnel expenses, after-life expenses, eastern estate management expenses, and financial planning activities expenses. An individual customer group profitability calculation module for calculating profitability information including required cost information; Revenue information including profits generated through the work of the employees (or financial transaction channels) of the PB customer group, among the profits generated through account products and non-account products subscribed to by customers belonging to the PB customer group, and the employees (or finance) Transaction channels), including direct expenses-labor expenses, labor expenses, marketing expenses, goods expenses, maintenance of eastern real estate, allowances for retirement allowances, depreciation expenses, and at least one tax and processing expenses-and indirect expenses-personnel activities expenses, post-salary living expenses, A PB customer group profitability calculation module for calculating profitability information including revenue generation cost information including one or more of eastern estate management activity costs and financial planning activity costs; Revenue information including profits generated through the work of the employees (or financial transaction channels) of the special customer group, among the profits generated through account products and non-account products subscribed by customers belonging to the special customer group, and the employee (or financial) Transaction channels), including direct expenses-labor expenses, labor expenses, marketing expenses, goods expenses, maintenance of eastern real estate, allowances for retirement allowances, depreciation expenses, and at least one tax and processing expenses-and indirect expenses-personnel activities expenses, post-salary living expenses, A special customer group profitability calculation module for calculating profitability information including revenue generation cost information including one or more of eastern estate management activity costs and financial planning activity costs; Revenue information including profits generated through the work of the employees (or financial transaction channels) of the customer customer group of the customer customer group and the profits generated through account products and non-account products subscribed by customers belonging to the enterprise customer group; Transaction channels), including direct expenses-labor expenses, labor expenses, marketing expenses, goods expenses, maintenance of eastern real estate, allowances for retirement allowances, depreciation expenses, and at least one tax and processing expenses-and indirect expenses-personnel activities expenses, post-salary living expenses, A corporate customer group profitability calculation module for calculating profitability information including revenue generation cost information including one or more of eastern estate management activity costs and financial planning activity costs; Classify customer group of financial institution into individual customer group, private bank (PB) customer group, special customer group, corporate customer group according to financial institution's profitability calculation target. Identifying a group, calculating profitability information for each customer group for the customer by linking with each profitability calculation module corresponding to the identified one or more customer groups, and adding profitability information for each customer group to profitability for the customer Profitability calculation server for each customer characterized in that it comprises a; integrated profitability calculation module for calculating information.

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