KR100902009B1 - System for Producing Profitable Integrated Group Classified by Custom - Google Patents

Abstract

The present invention relates to a method and system for calculating group integrated profitability for each customer and a program recording medium therefor. The method for calculating group integrated profitability for each customer according to the present invention includes at least two or more companies included in a group in a predetermined information receiving means. Collecting the integrated profitability information for each customer from the; and analyzing the integrated profitability information for each customer collected by a predetermined information extraction means to obtain profitability information for a specific customer in each company included in the group. And extracting profitability information for a specific customer in each company included in the extracted group in the predetermined group-specific profitability calculation means for each customer and calculating group-integrated profitability information for each customer.

By customer, group, integration, profitability, output

Description

System for Producing Profitable Integrated Group Classified by Custom}

Figure 1 shows the configuration of the entire system for group integrated customer profitability evaluation in accordance with an embodiment of the present invention.

2 illustrates a system configuration for calculating profitability of an individual customer group according to an exemplary embodiment of the present invention.

3 is account profitability information for individual customers, non-account profitability information for individual customers, transaction profitability information for individual customers, new account profitability for individual customers according to the method of the present invention It shows the operation flow of the system for calculating the personal customer profitability made by including at least one information, new non-account profitability information for the individual customer.

Figure 4 illustrates a system configuration for calculating the profitability of the PB customer group in accordance with an embodiment of the present invention.

5 is an account profitability information for PB customers, non-account profitability information for PB customers, transaction profitability information for PB customers, and new account profitability for PB customers according to an embodiment of the present invention. It shows the operation flow of the system for calculating the PB customer profitability, which comprises at least one information, new non-account profitability information for the PB customer.

6 illustrates a system configuration for calculating profitability of a special customer group according to an embodiment of the present invention.

7 is an account profitability information for special customers, non-account profitability information for special customers, transaction profitability information for special customers, new account profitability for special customers according to the embodiment of the present invention It shows the operation flow of the system for calculating the profitability of special customers, which includes information and at least one new non-account profitability information for special customers.

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

9 is account profitability information for corporate customers, non-account profitability information for corporate customers, transaction profitability information for corporate customers, new account profitability for corporate customers according to an embodiment of the present invention It shows the operation flow of the system for calculating the profitability of the enterprise customer made by including at least one information, new non-account profitability information for the enterprise customer.

10 is provided with profitability information from a bank individual customer group profitability calculation server, a bank PB customer group profitability calculation server 400, a bank special customer group profitability calculation server, a bank corporate customer group profitability calculation server according to an embodiment of the present invention. A system configuration for storing validity and valid profitability information is shown.

11 is a flowchart illustrating an operation of a system for checking and storing profitability information of an individual customer group, a PB customer group, a special customer group, and an enterprise customer group according to an exemplary embodiment of the present invention.

12 illustrates a system configuration for calculating profitability of an individual customer group according to an exemplary embodiment of the present invention.

Figure 13 shows the securities product profitability information for individual customers, profits of securities derivatives for individual customers, transaction profitability information for individual customers, new for individual customers according to the implementation method of the present invention It shows the operation flow of the system for calculating the profitability of the individual customer made by including at least one or more securities product profitability information, new securities derivatives profitability information for the individual customer.

14 is a diagram illustrating a system configuration for calculating profitability of a PB customer group according to an exemplary embodiment of the present invention.

Figure 15 shows the securities product profitability information for PB customers, securities derivatives profit information for PB customers, transaction profitability information for PB customers, new for PB customers according to the implementation method of the present invention The operation flow of the system for calculating profitability of PB customers including at least one of securities product profitability information and new securities derivatives profitability information for PB customers is shown.

16 shows a system configuration for calculating the profitability of the special customer group according to the embodiment of the present invention.

Figure 17 shows the securities product profitability information for the special customer for profit calculation of the special customer group, securities derivatives profit information for the special customer, transaction profitability information for the special customer, new for the special customer according to the embodiment of the present invention It shows the operation flow of the system for calculating the profitability of the special customer made by including at least one of the securities product profitability information, new securities derivatives profitability information for the special customer.

18 illustrates a system configuration for calculating profitability of a corporate customer group according to an exemplary embodiment of the present invention.

Figure 19 shows the securities product profitability information for the enterprise customer, the securities derivatives profit information for the enterprise customer, the transaction profitability information for the enterprise customer, the new profit for the enterprise customer according to the implementation method of the present invention It shows the operation flow of the system for calculating the profitability of the corporate customer made by including at least one or more of the securities product profitability information, new securities derivatives profitability information for the corporate customer.

20 is provided with profitability information from the securities individual customer group profitability calculation server, the securities PB customer group profitability calculation server, the securities special customer group profitability calculation server, and the securities corporate customer group profitability calculation server according to the method of the present invention. A system configuration for storing profitability information is shown.

21 is a flowchart illustrating an operation of a system for checking and storing profitability information of an individual customer group, a PB customer group, a special customer group, and an enterprise customer group according to an exemplary embodiment of the present invention.

22 illustrates a system configuration for calculating profitability of an individual customer group according to an exemplary embodiment of the present invention.

23 is a system for calculating individual customer profitability comprising at least one fund product profitability information for the individual customer for the profitability calculation of the individual customer group, new fund product profitability information for the individual customer according to the embodiment of the present invention. It shows the operation flow of.

24 is a diagram illustrating a system configuration for calculating profitability of a PB customer group according to an exemplary embodiment of the present invention.

25 is a system for calculating profitability of a PB customer including at least one fund product profitability information for a PB customer and a new fund product profitability information for the PB customer according to an embodiment of the present invention. It shows the operation flow of.

26 is a diagram showing a system configuration for calculating profitability of a special customer group according to an embodiment of the present invention.

27 is a system for calculating the profitability of a special customer comprising at least one fund product profitability information for a special customer for calculating profitability of the special customer group and at least one new fund product profitability information for the special customer according to an embodiment of the present invention. It shows the operation flow of.

28 shows a system configuration for calculating the profitability of the corporate customer group according to the embodiment of the present invention.

29 is a system for calculating the corporate customer profitability comprising at least one fund product profitability information for the corporate customer, the new fund product profitability information for the enterprise customer according to the implementation method of the present invention It shows the operation flow of.

30 is provided with the profitability information from the trust individual customer group profit calculation server, the trust PB customer group profit calculation server, the trust special customer group profit calculation server, the trust company customer group profit calculation server according to the method of the present invention. A system configuration for storing profitability information is shown.

31 is a flowchart illustrating an operation flow of a system for checking and storing profitability information of an individual customer group, a PB customer group, a special customer group, and an enterprise customer group according to an exemplary embodiment of the present invention.

32 is a diagram illustrating a system configuration for calculating profitability of an individual customer group according to an exemplary embodiment of the present invention.

33 shows card profitability information for individual customers, loan profitability information for individual customers, new card profitability information for individual customers, and new loan profitability for individual customers according to an embodiment of the present invention. It shows the operation flow of the system for calculating the individual customer profitability made by including at least one information.

34 is a diagram illustrating a system configuration for calculating profitability of a corporate customer group according to an exemplary embodiment of the present invention.

35 shows card profitability information for a corporate customer, loan profitability information for a corporate customer, new card profitability information for a corporate customer, and new loan profitability for a corporate customer according to an embodiment of the present invention. It shows the operation flow of the system for calculating the corporate customer profitability made by including at least one information.

36 is a diagram illustrating a system configuration for storing valid and valid profitability information by receiving profitability information from a card individual customer group profitability calculation server and a card corporate customer group profitability calculation server according to an embodiment of the present invention.

37 is a flowchart illustrating an operation of a system for checking and storing profitability information of an individual customer group and an enterprise customer group according to an exemplary embodiment of the present invention.

38 is a diagram illustrating a system configuration for calculating profitability of an individual customer group according to an exemplary embodiment of the present invention.

39 shows guarantee insurance profitability information for the individual customer for profitability calculation of the individual customer group, saving insurance profitability information for the individual customer, new guarantee insurance profitability information for the individual customer, according to the embodiment of the present invention. The operation flow of the system for calculating the profitability of the individual customer made by including at least one new savings insurance profitability information is shown.

40 is a diagram illustrating a system configuration for calculating profitability of an enterprise group according to an exemplary embodiment of the present invention.

41 is a guarantee insurance profitability information for a company, profitability information for savings insurance for the company, new guarantee insurance profitability information for the company, new savings insurance profitability information for the company according to the embodiment of the present invention It shows the operation flow of the system for calculating the profitability of the enterprise made up of at least one.

42 is a diagram illustrating a system configuration for storing valid and valid profitability information by receiving profitability information from an insurance individual customer group profitability calculation server and an insurance company customer group profitability calculation server according to an embodiment of the present invention.

43 is a flowchart illustrating an operation of a system for checking and storing profitability information of individual customer groups and corporate customer groups according to an embodiment of the present invention.

44 shows the customer information and profitability information from the bank integrated customer profit calculation server, securities integration customer profit calculation server, credit integration customer profit calculation server, card integration customer profit calculation server, insurance integration customer profit calculation server according to the embodiment of the present invention. Shows the system configuration for calculating the integrated group profitability information.

45 is a flowchart illustrating an operation flow of a system for checking and storing profitability information for each customer of an individual customer group, a PB customer group, a special customer group, and an enterprise customer group according to an embodiment of the present invention.

<Description of main parts of drawing>

200: Bank individual customer group profitability calculation server

400: Bank PB customer group profitability calculation server

600: Bank special customer group profitability calculation server

800: Bank corporate customer profitability calculation server

1000: Bank Integrated Customer Group Profitability Calculation Server

230: Banking System

1200: Profit calculation server of securities individual customer group

1400: Securities PB Customer Group Profitability Calculation Server

1600: Profit calculation server of special customer group of securities

1800: Securities corporate customer group profitability calculation server

2000: Securities Integrated Customer Group Profitability Calculation Server

1230: Securities System

2200: Profit calculation server of trust client group

2400: Profit calculation server of trust PB customer group

2600: profitability calculation server

2800: Profit calculation server of trust company customer group

3000: Profit calculation server for trust management integrated customer group

2230: Transmission System

3200: Card individual customer group profitability calculation server

3400: Card company customer group profitability calculation server

3600: Card integrated customer group profitability calculation server

3230: Card System

3800: Insurance individual customer group profitability calculation server

4000: Profit calculation server for insurance corporate customer group

4200: Insurance integrated customer group profitability calculation server

3830: Insurance System

4400: Group integrated customer profitability calculation server

The present invention relates to a bank integrated profitability calculation server that calculates integrated profitability information for each bank customer in connection with a bank ledger database storing at least one bank customer financial information, and at least one securities customer finance. It is linked with a securities firm integrated profitability calculation server that calculates integrated profitability information for each securities firm by integrating operating profits for each securities firm by linking with a securities firm ledger database that stores information, and a trust company ledger database that stores at least one investment customer financial information. The company's integrated profitability calculation server that calculates consolidated profitability information for each investment company customer by integrating operating profits for each investment company customer, and the card company ledger database that stores at least one card customer financial information. Card company integrated profits calculated by integrating operating profits of each customer The card company integrated profitability calculation server that calculates integrated profitability information, and integrating operating profits by insurer customers in connection with the insurance company ledger database that stores at least one insurance customer financial information Insurance company integrated profitability calculation server for calculating integrated profitability information for each insurance company and group integrated profitability calculation server for calculating group integrated profitability information for each customer by adding profitability information for a specific customer among the calculated one or more integrated profitability information for each customer. In providing a group integrated profitability calculation system having a.

Recently, as the economic environment has improved drastically, financial companies such as banks have become larger in size through mergers and acquisitions.

This financial giant is developing in the form of several subsidiaries within the financial firms, and there is a problem in that customer information and profitability information exist separately for each subsidiary.

In order to reinforce this management method, some financial companies have attempted to analyze profitability at the unit level (application number: 10-2005-0133760), or operate integrated CRM to manage customer information of the entire group. .

However, while the above-described profitability analysis at the unit level may be useful for calculating profitability at the unit point, the valuable profitability calculation is targeting the customers of the entire group rather than the unit point. In addition to simple customer information management, integrated CRM for simple customer information management involves the difficulty of managing true profitability for each customer.

Summary of the Invention An object of the present invention for solving the above problems is the step of collecting the integrated profitability information for each customer from at least two or more companies included in the group in a predetermined information receiving means, and the collected information in the predetermined information extracting means. Analyzing profitability information for each customer to extract profitability information for a specific customer in each company included in the group, and each of the groups included in the extracted group in a predetermined customer group profitability calculation means; It provides a method for calculating group integrated profitability for each customer including the step of calculating profitability information for a specific customer in the company of the company to calculate the group integrated profitability information for each customer.

Group integrated profitability calculation system according to the present invention, the bank integrated profitability calculation server for calculating the integrated profitability information for each bank customer by integrating the operating profit for each bank customer in conjunction with a bank ledger database that stores at least one bank customer financial information A securities firm integrated profitability calculation server that calculates consolidated profitability information for each securities company customer by integrating operating profits for each securities company customer in connection with a securities company ledger database that stores at least one securities customer financial information; A project management company integrated profitability calculation server that calculates consolidated profitability information for each investment company customer by integrating operating profit for each investment company customer in connection with a project management company ledger database that stores information, and a car storing at least one card customer financial information. Card company integrated profitability calculation server that calculates consolidated profitability information for each card company by integrating operating profit by card company customer in connection with the ledger database and insurance company customer in connection with the insurance company ledger database that stores at least one insurance customer financial information. Insurer integrated profitability calculation server that calculates consolidated profitability information for each insurer customer made by integrating operating profit and group-based profitability information for each customer is calculated by summing profitability information for a specific customer among the calculated at least one integrated profitability information for each customer. It is characterized by comprising a group integrated profitability calculation server.

According to the present invention, the integrated profitability information for each bank customer includes profitability information including operating profits of customers belonging to a predetermined personal customer group among the bank customers, and sales of customers belonging to a predetermined private bank (PB) customer group. And at least one of profitability information including profits, profitability information including operating profits of customers belonging to a predetermined special customer group, and profitability information including operating profits of customers belonging to a predetermined corporate customer group. The consolidated profitability information for each securities company customer includes profitability information including operating profits of customers belonging to a predetermined personal customer group among the securities company customers, and operating profits of customers belonging to a predetermined private bank (PB) customer group. Profitability information, profitability information including operating profits of customers belonging to a specific special customer group, and belonging to a predetermined corporate customer group. Characterized in that it comprises at least one or more profitability information including the operating profit of the customer, wherein the integrated profitability information for each project client, profitability including the operating profit of a customer belonging to a predetermined personal customer group of the client company Information, profitability information including operating profits of customers belonging to a given Private Bank (PB) customer group, profitability information including operating profits of customers belonging to a specific special customer group, sales of customers belonging to a given corporate customer group And at least one profitability information including profits, wherein the integrated profitability information for each card company customer includes profitability information including operating profits of customers belonging to a predetermined personal customer group among the card company customers. At least one piece of profitability information that includes operating profit for customers belonging to And the integrated profitability information for each insurance company customer includes profitability information including operating profits of customers belonging to a predetermined personal customer group among the insurance company customers, and sales of customers belonging to a predetermined corporate customer group. Characterized in that it comprises at least one or more profitability information including the profit.

Group integrated profitability calculation method according to the invention, the step of collecting the integrated profitability information for each customer from at least two or more companies included in the group in a predetermined information receiving means, each of the collected in the predetermined information extraction means Analyzing the integrated profitability information of each customer of the step of extracting profitability information for a specific customer in each company included in the group; and each of the groups included in the extracted group in the predetermined group integrated profitability calculation means for each customer Comprising the step of calculating the profitability information for a specific customer in the company by calculating the group integrated profitability information for each customer.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described group integrated profitability calculation method.

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 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 a system commonly provided in the technical field to which the present invention belongs. The functional configuration is omitted as much as possible, and will be mainly described for 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 the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following embodiments will be used to appropriately modify, integrate, or separate terms, such that those skilled in the art to which the present invention pertains may clearly understand the technical features of 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 component 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), thereby limiting the present invention Not.

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 the group integrated customer profitability evaluation according to the embodiment of the present invention.

In more detail, Figure 1 divides the unit for calculating profitability into five (bank, securities, trust, card, insurance) for calculating group integrated customer profitability, and calculates the profitability of employees for each group in each of the five servers. And, the results calculated by the five servers to show a system that can operate the profitability calculation results through the group integrated customer profitability calculation server 4400, if one of ordinary skill in the field of the present invention, Although various implementation methods for calculating group integrated customer profitability may be inferred with reference to FIG. 1, the present invention is not limited to this FIG. 1 and includes all the inference methods.

Referring to Figure 1 according to the embodiment of the present invention, the entire system for group integrated customer profitability evaluation server integrated customer profitability calculation server 1000, securities integration customer profitability calculation server (2000), investment integration customer profitability calculation server ( 3000, the card integrated customer profit calculation server 3600, the insurance integrated customer profit calculation server 4200, and the bank system 230 is characterized in that it comprises.

In addition, the bank integrated customer profitability calculation server 1000 is a bank individual customer group profitability calculation server 200, the bank PB customer group profitability calculation server 400, the bank special customer group profitability calculation server 600, the bank corporate customer group profitability Customer information and profitability information associated with the customer information are obtained from the calculation server 800, and the profitability information is stored and registered.

In addition, the bank personal customer group profitability calculation server 200 is customer information, one or more account information or one or more non-account information associated with the customer information, transaction history information for a certain period associated with the customer information, new account It is preferable to extract information or new non-account information from the bank system 230 to confirm the profitability of the individual customer group according to the customer information.

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

In addition, the non-account information is preferably made up of 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, 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 transaction details information, it is preferable that the transaction details, such as bank accounts and other remittances, the transaction fee due to the loss of the passbook, handling fee due to the loss of the card.

In addition, the bank system 230 is characterized in that connected to at least one or more teller terminal provided in the branch (and / or branch) of the bank institution through a predetermined bank network (for example, our network), the window Provides a face-to-face banking service for at least one banking customer through the terminal.

Further, the banking system 230 may include at least one bank terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the bank institution, and / or with the bank institution. At least one bank terminal provided in at least one affiliated bank organization (and / or another branch) and / or at least one bank terminal provided in a public place and a predetermined bank network (e.g. Network), and provides a non-face-to-face banking service for at least one banking customer through the bank terminal.

In addition, the banking system 230 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x based) 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 / Provides non-face-to-face banking services to at least one or more banking customers through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function.

In addition, the bank system 230 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. Banking non-face-to-face with at least one banking 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 bank system 230 is characterized in that 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 via at least one wireless terminal (e.g., a wireless terminal having a bank 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 banking service to banking customers.

In addition, the bank system 230 is characterized in that associated with a predetermined telebanking server, 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 banking service to at least one or more banking customers via a GSM terminal and / or a smartphone.

In addition, the bank system 230 is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide non-face-to-face banking services to at least one banking customer.

In addition, the bank system 230 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) Provides non-face-to-face banking services to at least one banking customer through satellite DMB terminals, terrestrial DMB terminals, etc.).

Referring to FIG. 1, the bank system 230 is provided to a bank institution to open at least one bank account to at least one bank customer and provide at least one bank transaction service based on the bank account. A computer system, comprising: an accounting system that processes a window service such as a credit or a reception or a trust or a foreign exchange occurring in at least one branch (or window); an information system that processes the headquarters business, supports branch information, and manages customer information; Interconnection between the bank system 230 and at least one other bank system 230 (and / or payment system), and / or at least one non-face-to-face banking means (eg Banking system, Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) And an external system providing access to 230 and / or various banking interfaces through at least one common network (eg, CD common network, bank common network). 230 is an interface module corresponding to a middleware platform that provides inter-component interfacing within the banking system 230, and predetermined information required for performing each function in a component in the banking system 230. And a DBMS (DataBase Management System) including at least one database for storing and managing (eg, ledger information, and / or customer information, and / or management information).

In addition, the banking system 230 is intended by those skilled in the art and / or the type of each banking institution (eg, commercial banks, savings banks, trust banks) provided with the banking system 230 and the purpose of the banking system 230 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 banking 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 bank system 230, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

In addition, the bank PB customer group profitability calculation server 400 may include customer information, one or more account information or one or more non-account information associated with the customer information, transaction history information for a predetermined period associated with the customer information, and a new account. It is preferable to extract information or new non-account information from the bank system 230 to confirm the profitability of the PB customer group according to the customer information.

In addition, the bank special customer group profitability calculation server 600, customer information, one or more account information or one or more non-account information associated with the customer information, transaction history information for a certain period associated with the customer information, new account Extracting the information or the new non-account information from the bank system 230, it is preferable to check the profitability of the special customer group according to the customer information.

In addition, the bank corporate customer group profitability calculation server 800, customer information, one or more account information or one or more non-account information associated with the customer information, transaction history information for a certain period associated with the customer information, new account It is preferable to extract information or new non-account information from the bank system 230 to confirm the profitability of the corporate customer group according to the customer information.

In addition, the securities integrated customer profit calculation server (2000) includes the securities individual customer group profit calculation server (1200), securities PB customer group profit calculation server (1400), securities special customer group profit calculation server (1600), securities corporate customer group profitability Customer information and profitability information associated with the customer information are obtained from the calculation server 1800, and the profitability information is stored and registered.

In addition, the securities individual customer group profitability calculation server 1200 is customer information, one or more securities product information associated with the customer information, or one or more securities derivatives information associated with the customer information, the schedule associated with the customer information The transaction history information for one period, one or more new securities product information linked to the customer information, or one or more new securities derivatives information linked to the customer information are extracted from the securities system 1230, and the individual according to the customer information. It is preferable to check the profitability of the group.

In addition, the securities product information includes: securities savings, beneficiary certificates, comprehensive tax savings, repurchase agreements (RP), commercial paper (CP), certificate of deposit (CD), Information about accounts with customers such as wrap accounts, bond funds, mixed funds, exchange traded funds (ETF), equity linked securites (ELS) and money market funds (MMF) It is preferable to comprise at least one or more.

In addition, the securities derivatives information is preferably made of at least one securities derivatives information, such as financial futures (for example, currency futures, interest rate futures, stock index futures, futures options, etc.) joined by the customer.

In addition, it is preferable that the financial futures mean currency futures, interest rate futures, stock index futures, futures options, and the like.

In addition, the currency futures preferably means having a forward exchange position that is symmetric with the spot exchange position to hedge the exchange risk.

In addition, it is preferable that the spot exchange means a foreign exchange in which a realistic exchange transaction is made at the same time a sales contract is established.

In addition, it is preferable that the forward exchange means a foreign exchange promised in advance to buy and sell a certain amount of foreign exchange at a certain exchange rate within a certain period of time or in the future.

In addition, it is preferable that the interest rate futures means a commodity used to protect from risks caused by interest rate fluctuations.

In addition, the stock index future is preferably a futures that targets the stock index, which is the price level of all or part of the stock sold in the stock market.

It is also preferred that the futures option mean an option in which the delivery month is standardized in a three month transaction, such as March, June, September, December.

In addition, the option is a call option in which a trading party is entitled to buy and sell a right to sell or buy certain assets at a specific point in time or at a future price at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

In addition, the transaction details information preferably means a handling fee paid by the customer to the securities company for the securities transaction.

In addition, securities trading preferably comprises at least one of buying and selling stocks, buying and selling futures and options.

In addition, the securities system 1230 is connected to at least one or more window terminals provided in the branch (and / or branch) of the securities institution through a predetermined securities network (eg, our network), the window It provides a face-to-face securities trading service for at least one or more securities trading customers through the terminal.

Further, the securities system 1230 may include at least one securities terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the securities institution, and / or the securities institution. At least one securities terminal at one or more other securities institutions (and / or other securities branch) associated with it, and / or at least one securities terminal in a public place and a predetermined securities network (eg CD Network), and provides a non-face-to-face securities transaction service to at least one or more securities transaction customers through the securities terminal.

In addition, the securities system 1230 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x based) 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 Provides non-face-to-face securities trading services to at least one or more securities trading customers through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function.

In addition, the security system 1230 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a 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. Securities trading non-face-to-face with at least one securities trading customer through 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 security system 1230 is characterized in that associated with a predetermined IC chip-based wireless banking server, and through 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 via at least one wireless terminal (e.g., wireless terminal equipped with a stock 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 securities trading service to securities trading customers.

In addition, the securities system 1230 is connected to a predetermined telebanking server, and is connected to a predetermined wired voice telephone network (eg, a 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 securities trading service to at least one or more securities trading customers through a GSM terminal and / or a smart phone.

In addition, the security system 1230 is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Etc.) provides non-face-to-face securities trading services to at least one securities trading customer.

In addition, the security system 1230 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, bidirectional digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) Satellite DMB terminals, terrestrial DMB terminals, etc.) provide non-face-to-face securities trading services to at least one or more securities trading customers.

Referring to FIG. 1, the securities system 1230 is provided to a securities institution to open at least one securities account to at least one securities transaction customer, and to provide at least one securities transaction service based on the securities account. A computer system, comprising: an accounting system that processes a window service such as a credit or a reception or a trust or a foreign exchange occurring in at least one branch (or window); an information system that processes the headquarters business, supports branch information, and manages customer information; And, interconnection between the securities system 1230 and at least one other securities system 1230 (and / or payment system), and / or at least one non-face-to-face securities trading means (e.g., provided in at least one external communication network) Securities System in Internet Banking, Wireless Banking, IC Chip Based Wireless Banking, Telebanking, TV Banking, etc.) System 1230, and / or an external system that provides a variety of securities trading interfaces through at least one common network (eg, CD common network, securities common network). An interface module 1230 is an interface module corresponding to a middleware platform that provides interfacing between components in the securities system 1230, and predetermined functions required for performing respective functions in components in the securities system 1230. And a DBMS (DataBase Management System) including at least one database for storing and managing information (eg, ledger information, and / or customer information, and / or management information, etc.).

In addition, the securities system 1230 is intended by those skilled in the art and / or the types of securities institutions (eg, commercial securities, savings securities, trust securities) provided with the securities system 1230 and the purpose of the securities system 1230. 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 securities 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 securities system 1230, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

In addition, the security PB customer group profitability calculation server 1400 may include customer information, one or more securities product information associated with the customer information, or one or more securities derivatives information associated with the customer information, and a schedule associated with the customer information. PB according to the customer information by extracting transaction history information, one or more new securities product information associated with the customer information, or one or more new securities derivatives information associated with the customer information during the period from the securities system 1230. It is preferable to check the profitability of the group.

In addition, the securities special customer group profitability calculation server 1600 may include customer information, one or more securities product information associated with the customer information, or one or more securities derivatives information associated with the customer information, and a schedule associated with the customer information. Transaction history information for one period, one or more new securities product information linked to the customer information, or one or more new securities derivatives information linked to the customer information are extracted from the securities system 1230, and according to the customer information It is preferable to check the profitability of the group.

In addition, the securities corporate customer group profitability calculation server 1800 may include customer information, one or more securities product information associated with the customer information, or one or more securities derivatives information associated with the customer information, and a schedule associated with the customer information. A company according to the customer information by extracting transaction history information, one or more new securities product information linked to the customer information, or one or more new securities derivatives information linked to the customer information from the securities system 1230. It is preferable to check the profitability of the group.

In addition, the investment integration customer profit calculation server 3000 is the investment personal customer group profit calculation server 2200, the investment PB customer group profit calculation server 2400, the investment special customer group profit calculation server 2400, the investment company customer group profitability Customer information and profitability information associated with the customer information are obtained from the calculation server 2800, and the profitability information is stored and registered.

In addition, the investment personal customer group profitability calculation server 2200 may include customer information, one or more fund product information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF type) associated with the customer information. Fund) or one or more new fund product information associated with the customer information is extracted from the investment system 2230, and a method of checking the profitability of the individual customer group based on the customer information is preferable.

In addition, the fund product information preferably comprises at least one derivatives fund, overseas funds, equity funds, mixed funds, bond funds, MMF funds.

Herein, the derivatives fund preferably refers to an equity linked fund (ELF), an index fund, or the like.

In addition, the equity index fund invests most of the fund's assets in safe assets such as government bonds and high-quality corporate bonds to secure the principal at maturity, and incorporates the Warrant issued by the securities company. It is preferable to mean a structured product that allows fund returns to be linked to stock prices.

In addition, it is preferable that the index fund refers to a commodity that aims to realize the average profit of the market by constructing and operating a portfolio linked to the movement of the stock index on the premise of the long-term growth trend of the stock market.

In addition, it is preferable that the overseas fund means an overseas investment fund, offshore fund, reindirect fund, or the like.

In addition, it is preferable that the equity fund means a product invested in stocks, bonds, stock index futures, stock index options, and the like.

In addition, it is preferable that the mixed fund means a product or the like which is simultaneously invested in stocks and bonds.

In addition, it is preferable that the bond fund means a product that invests only in bonds.

In addition, the MMF fund is preferably referred to as a commercial paper (CP), certificate of deposit (CD).

In addition, the transmission system 2230 is characterized in that connected to at least one or more window terminals provided in the branch (and / or branch) of the transmission organization through a predetermined transmission network (eg, our network), the window Provides a face-to-face investment service for at least one customer through a terminal.

In addition, the transmission system 2230 may include at least one or more transmission terminals including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or branch) of the transmission organ, and / or the transmission organ; At least one sending terminal provided in an affiliated at least one other sending agency (and / or other sending agency point), and / or at least one sending terminal provided in a public place and a predetermined transmission network (eg CD Network), and provides a non-face-to-face investment transaction service for at least one or more outgoing transaction customers through the transmission terminal.

In addition, the transmission system 2230 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based) 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 / Provides non-face-to-face teleconferencing services to at least one teleconferencing customer through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function.

In addition, the transmission system 2230 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 teleconferencing with at least one teleconferencing 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 transmission system 2230 is characterized in that it is associated with a predetermined IC chip-based wireless banking server, and based on a predetermined wireless network (eg, CDMA (Code Division Multiple Access)) through the IC chip-based wireless banking server At least one through at least one wireless terminal (eg, a wireless terminal equipped with a transmission 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 trust transaction service to above trust transaction customers.

In addition, the transmission system 2230 is characterized in that associated with a predetermined telebanking server, connected to a predetermined wired voice telephone 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 trust transaction service to at least one trust transaction customer through a GSM terminal and / or a smartphone).

In addition, the transmission system 2230 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 and / or refrigerator connected to a home network) Etc.) provides non-face-to-face trust trading services to at least one trust trading customer.

In addition, the transmission system 2230 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, bidirectional digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) Satellite DMB terminal, terrestrial DMB terminal, etc.) provides a non-face-to-face teleconferencing service to at least one telecom customer.

Referring to FIG. 1, the investment system 2230 is provided in a trust provider to open at least one trust account to at least one trust customer and provide at least one trust service based on the trust account. A computer system comprising: an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, a branch office information support, and a customer information management; Interconnection between the sending system 2230 and at least one other sending system 2230 (and / or payment system), and / or at least one non-face to face trading means (e.g., provided in at least one external communication network) Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) 2230, and / or an external system that provides various communication transactions interfaces through at least one or more common networks (e.g., CD and network). 2230 is an interface module corresponding to a middleware platform that provides inter-component interfacing within the communication system 2230, and predetermined information required for performing each function in a component in the communication system 2230. And a DBMS (DataBase Management System) including at least one database for storing and managing (eg, ledger information, and / or customer information, and / or management information).

In addition, the transmission system 2230 is a foreign exchange module (not shown) according to the intention of the person skilled in the art and / or the type and the purpose and characteristics of each transmission apparatus provided with the transmission system 2230, the transmission system 2230. At least one component, such as investment investment module (not shown), international module (not shown) may be further included, and if the person skilled in the art to which the present invention belongs, Since the technical details of the 2230 will be understood, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

In addition, the investment PB customer group profitability calculation server 2400 may include customer information and one or more fund product information associated with the customer information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF type). Fund) or one or more new fund product information associated with the customer information is extracted from the investment system 2230 to check the profitability of the PB customer group based on the customer information.

In addition, the investment special customer group profitability calculation server 2600 may include customer information, one or more fund product information associated with the customer information (eg, derivatives fund, foreign fund, equity fund, mixed fund, bond fund, MMF). Type fund) or one or more new fund product information associated with the customer information is extracted from the investment system 2230, and a method of confirming the profitability of the investment special customer group according to the customer information is preferable.

In addition, the investment corporate customer group profitability calculation server 2800 may include customer information, one or more fund product information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF type) associated with the customer information. Fund) or one or more new fund product information associated with the customer information is extracted from the investment system 2230, and a method of confirming the profitability of the investment company customer group according to the customer information is preferable.

In addition, the card integrated customer profitability calculation server 3600 may obtain profitability information by bringing customer information and profitability information associated with the customer information from the card individual customer group profitability calculation server 3200 and the card corporate customer group profitability calculation server 3400. Save and register.

In addition, the card personal group profitability calculation server extracts customer information, one or more card information or one or more loan information, new card information or new loan information associated with the customer information from the card system 3230, Therefore, it is desirable to check the profitability of individual card groups.

In addition, the card information preferably comprises at least one or more information about the card, such as cash service history, installment transaction history, annual fee, etc. that the customer subscribed.

In addition, the loan information preferably comprises at least one or more loan information, such as card loans, credit loans subscribed by the customer.

According to an embodiment of the present invention, the card system 3230 may be connected to at least one or more teller terminals provided at a branch (and / or branch) of the card institution through a predetermined card network (eg, a branch network). Characterized in that, through the counter terminal provides a face-to-face card transaction service for at least one card transaction customer.

In addition, the card system 3230 may include at least one card terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or branch) of the card authority, and / or the card authority. At least one card terminal provided in at least one affiliated card organization (and / or another card agency branch) associated with it, and / or at least one card terminal provided in a public place and a predetermined card network (e.g., CD common) Network), and provides a non-face-to-face card transaction service to at least one or more card transaction customers through the card terminal.

In addition, the card system 3230 is associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (eg, wired Internet, and / or IEEE 802.11x-based 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 Provides a non-face-to-face card transaction service to at least one or more card transaction customers through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function.

In addition, the card system 3230 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 card transactions to at least one card 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 card system 3230 is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based on the IC chip-based wireless banking server) At least one through at least one wireless terminal (e.g., a wireless terminal having a card 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 card transaction service to the above card transaction customers.

In addition, the card system 3230 is connected to a predetermined telebanking server, and is connected to a predetermined wired voice call network (eg, a 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 card transaction service to at least one or more card transaction customers through a GSM terminal and / or a smart phone.

In addition, the card system 3230 is 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, a digital TV and / or a refrigerator connected to a home network). Etc.) provides non-face-to-face card transaction service to at least one card transaction customer.

In addition, the card system 3230 is associated with a predetermined TV banking server, at least one digital TV (eg, interactive digital TV, connected to a predetermined return channel through the TV banking server, Satellite DMB terminal, terrestrial DMB terminal, etc.) provides a non-face-to-face card transaction service to at least one card transaction customer.

Referring to FIG. 1, the card system 3230 is provided to a card institution to open at least one card account to at least one card transaction customer, and to provide at least one card transaction service based on the card account. As a computer system, a card system that handles window services such as card issuance, card loans, and credit loans that occur at at least one branch (or counter), and a card system that processes headquarters operations, branch office information support, and customer information management. Interconnection between the card system 3230 and at least one other card system 3230 (and / or payment system), and / or at least one non-face-to-face card transaction means (e.g., provided in at least one external communication network) , Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) to the card system 3230 And an external system that provides access and / or various card transaction interfaces through at least one common network (eg, CD common network, card common network), and the card system 3230 is An interface module corresponding to a middleware platform providing inter-component interfacing within the card system 3230, and predetermined information (e.g., ledger) required for each function in the components in the card system 3230 And a database management system (DBMS) including at least one or more databases for storing and managing information, and / or customer information, and / or management information).

In addition, the card system 3230 is a foreign exchange module (not shown) according to the intention of the person skilled in the art and / or the type and the purpose and characteristics of each card system 3230, the card system 3230 is provided. At least one component such as an investment card module (not shown) or an international module (not shown) may be further included, and a person having ordinary knowledge in the technical field to which the present invention pertains may include the card system. Since it will be familiar with the technical details of 3230, a detailed description thereof is omitted for convenience, and the present invention is not limited thereto.

In addition, the card company group profitability calculation server extracts customer information, one or more card information or one or more loan information, new card information or new loan information associated with the customer information from the card system 3230, to the customer information Therefore, it is desirable to check the profitability of the card company group.

In addition, the insurance integrated customer profitability calculation server 4200 may obtain profitability information by bringing customer information and profitability information associated with the customer information from the insurance individual customer group profitability calculation server 3800 and the insurance company customer group profitability calculation server 4000. Save and register.

In addition, the insurance personal group profitability calculation server may store customer information, at least one guarantee insurance information associated with the customer information, at least one savings insurance information, or new guarantee insurance information, or new savings insurance information from the insurance system 3830. It is preferable to extract and check the profitability of the insurance individual group according to the customer information.

In addition, the guarantee insurance information preferably comprises at least one or more information about the insurance coverage, such as cancer insurance, accident insurance, automobile insurance, driver insurance insurance.

In addition, the savings insurance information preferably comprises at least one or more savings insurance information subscribed to by customers such as pension insurance, education insurance.

According to an embodiment of the present invention, the insurance system 3830 is connected to at least one or more teller terminals provided at branches (and / or branch offices) of the insurer through a predetermined insurance network (eg, a branch network). Characterized in that, through the counter terminal provides a face-to-face insurance transaction services for at least one insurance transaction customer.

In addition, the insurance system 3830 includes at least one insurance terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or branch) of the insurance institution, and / or the insurance institution At least one insurance terminal provided in at least one other insurance institution (and / or other insurer branch) affiliated with, and / or at least one insurance terminal provided in a public place and a predetermined insurance network (eg, CD) And a non-face-to-face insurance transaction service for at least one insurance transaction customer through the insurance terminal.

In addition, the insurance system 3830 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x based) 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 insurance transaction service to at least one insurance customer through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the insurance system 3830 is characterized in that it is 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 capabilities 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 insurance for at least one insurance customer through 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 insurance system 3830 is characterized in that 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 equipped with an insurance 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. Insurance Transactions Provide IC chip based non-face-to-face insurance transaction services to customers.

In addition, the insurance system 3830 is connected to a predetermined telebanking server, and is connected to a predetermined wired voice telephone network (eg, a 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 insurance transaction service to at least one insurance customer through a GSM terminal and / or a smartphone).

In addition, the insurance system (3830) is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network through a home banking server) Provide non-face to face insurance services to at least one insurance customer.

In addition, the insurance system (3830) 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) Non-face-to-face insurance transaction services are provided to at least one insurance transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 1, the insurance system 3830 is provided to an insurance institution to open at least one insurance account to at least one insurance transaction customer and to provide at least one insurance transaction service based on the insurance account. An accounting system comprising: an accounting system that processes windowing services such as guarantee insurance sales and savings insurance sales occurring at at least one branch (or window), and processes the headquarters business, branch office information support, and customer information management; Interconnection between 3830 and at least one other insurance system 3830 (and / or payment system), and / or at least one non-face-to-face insurance transaction means (eg, internet banking, wireless Banking, IC chip-based wireless banking, telebanking, TV banking, etc.) to the insurance system 3830 And / or an external system that provides various insurance transaction interfaces through at least one common network (eg, CD common network, insurance common network), and the insurance system 3830 includes: An interface module corresponding to a middleware platform that provides inter-component interfacing within the system 3830, and predetermined information (eg, ledger information) required for each function in a component in the insurance system 3830. And / or customer information, and / or management information, etc.) and at least one database configured to include at least one database.

In addition, the insurance system 3830 is a foreign exchange module (not shown) according to the intention of the person skilled in the art and / or the type of each insurance institution provided with the insurance system 3830 and the purpose and characteristics of the insurance system 3830. At least one component such as an investment insurance module (not shown) or an international module (not shown) may be further included, and a person having ordinary knowledge in the art may include the insurance system ( 3830 will be familiar with the technical details, detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

In addition, the insurance company group profitability calculation server may store customer information, at least one guarantee insurance information associated with the customer information, at least one savings insurance information, or new coverage insurance information, or new savings insurance information from the insurance system (3830). By extracting, it is preferable to check the profitability of the insurance group according to the customer information.

In addition, bank integrated customer profit calculation server (1000), bank personal customer group profit calculation server (200), bank PB customer group profit calculation server (400), bank special customer group profit calculation server (600), bank corporate customer group profitability Calculation server (800), securities integration customer profit calculation server (2000), securities individual customer group profit calculation server (1200), securities PB customer group profit calculation server (1400), securities special customer group profit calculation server (1600), securities Corporate Customer Group Profitability Calculation Server (1800), Trusted Integrated Customer Profitability Calculation Server (3000), Trusted Individual Customer Group Profitability Calculation Server (2200), Trusted PB Customer Group Profitability Calculation Server (2400), Trusted Special Customer Group Profitability Calculation Server ( 2600), Trusted Corporate Customer Group Profitability Calculation Server (2800), Card Integrated Customer Profitability Calculation Server (3600), Card Individual Customer Group Profitability Calculation Server (3200), Card Corporate Customer Group Profitability Calculation Server (3400), Insurance Integrated Customer Profitability The calculation server 4200, the insurance individual customer group profitability calculation server 3800, the insurance corporate customer group profitability calculation server 4000 may be provided in the form of a server or a module inside the financial system, or may be provided outside the financial system. It may be provided in.

In addition, bank integrated customer profit calculation server (1000), bank personal customer group profit calculation server (200), bank PB customer group profit calculation server (400), bank special customer group profit calculation server (600), bank corporate customer group profitability Calculation server (800), securities integration customer profit calculation server (2000), securities individual customer group profit calculation server (1200), securities PB customer group profit calculation server (1400), securities special customer group profit calculation server (1600), securities Corporate Customer Group Profitability Calculation Server (1800), Trusted Integrated Customer Profitability Calculation Server (3000), Trusted Individual Customer Group Profitability Calculation Server (2200), Trusted PB Customer Group Profitability Calculation Server (2400), Trusted Special Customer Group Profitability Calculation Server ( 2600), Trusted Corporate Customer Group Profitability Calculation Server (2800), Card Integrated Customer Profitability Calculation Server (3600), Card Individual Customer Group Profitability Calculation Server (3200), Card Corporate Customer Group Profitability Calculation Server (3400), Insurance Integrated Customer Revenue The calculation server 4200, the insurance individual customer group profitability calculation server 3800, and the insurance company customer group profitability calculation server 4000 may be provided in the form of a module in one server or in the form of a module in several servers. have.

Here, the integrated server is connected to the external system of the financial system (bank system 230, securities system 1230, investment system 2230, card system 3230, insurance system 3830) from the ledger D / B Information receiving unit (or information receiving means) for receiving information of the individual customer group receiving information, information receiving unit for receiving information of PB customer group, information receiving unit for receiving information of special customer group, receiving information of corporate customer group It is characterized by comprising at least one information receiving unit.

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 information about the PB customer group, special customer group And at least one information extraction unit for extracting information about the information extraction unit for extracting information about the corporate customer group.

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 And an information checking unit for confirming profitability information for the group and at least one information checking unit for checking profitability information for the corporate customer group.

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. And at least one profitability calculation unit for calculating profitability information for the group and a profitability calculation unit for calculating profitability information for the corporate customer group.

In addition, the profitability calculation unit integrates the customer information between the financial system at least one or more functions to calculate the individual customer group profitability calculation results, PB customer group profitability calculation results, special customer group profitability calculation results, corporate customer group profitability It is characterized by consisting of.

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 And at least one information storage unit, an information storage unit for storing the special customer group profitability calculation information D / B, and an information storage unit for storing the corporate customer group profitability calculation information D / B.

In addition, the integrated server may be provided with a D / B for storing profitability calculation results for each group integrated customer, or interworking with a separate D / B server having a D / B for storing profitability calculation results for each group integrated customer. do.

2 illustrates a system configuration for calculating profitability of an individual customer group according to an exemplary embodiment of the present invention.

More specifically, Figure 2 shows customer information (e.g. social security number, customer name, etc.), one or more account information (e.g., savings account, savings account, etc.) associated with the customer information for calculating the profitability of the individual customer group. One or more non-account information associated with the customer information (e.g., foreign exchange products (export and import transactions such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), ancillary services (exchange, etc.) Etc.), or transaction information for a period of time associated with the customer information, one or more new account information associated with the customer information, or one or more new non-account information received from the bank system 230, The internal configuration of the system for extracting the information corresponding to the customer group, checking the information on the individual customer group from the extracted information, and calculating the profitability for the individual customer is shown. As those skilled in the art to which the present invention pertains, various embodiments of the system for calculating profitability of individual customer groups may be inferred with reference to FIG. 2, but the present invention is limited to the present invention. But not including all implementation methods inferred.

Here, the customer information 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 account information preferably comprises at least one or more information about the account that the customer, such as savings account, savings account, loan account subscription.

In addition, the non-account information 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 transaction details information, it is preferable that the transaction details, such as bank accounts and other remittances, the transaction fee due to the loss of the passbook, handling fee due to the loss of the card.

According to the implementation method of the present invention, the profitability calculation system of the individual customer group is a profitability calculation for the account product of the individual customer group, or a profitability calculation for the non-account product, or a profitability calculation for a certain period of transaction history of the individual customer group Individual customer group profitability calculation server or branch of a financial institution (or branch office) for calculating the profitability of an individual customer group that includes at least one or more profitability calculations for joining a new account product or a new non-account product. And a banking system 230 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. It is characterized by.

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 may include customer information, one or more account information or one or more non-account information associated with the customer information, transaction history information, new account information, or new non-account information for a predetermined period associated with the customer information. Is extracted from the bank system 230, a method of checking the profitability of the individual customer group according to the customer information is preferred, if the person having ordinary knowledge in the field of the present invention, referring to Figure 2, Profitability of the individual customer group is made up of profits for the individual customer group including operating profit less the revenue generation cost of the personal customer group required for the generation of the revenue, the revenue generation cost is the customer A title for an employee who sells to a customer a product that contains at least one account or non-account product that has been subscribed to. It is preferred that the luer, including the cost of such overhead ratio and 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 individual customer group profitability calculation server includes a D / B for storing the profitability calculation result for each individual customer or a separate D / B server and a communication network having a D / B for storing the profitability calculation result for each individual customer. Interlocked.

Referring to FIG. 2, the personal customer group profitability calculation server is an information receiver 205 (or information receiver) for receiving information from the ledger D / B in association with the external system 235 of the bank system 230. Information extracting unit 210 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and information checking unit 215 for confirming information extracted from the ledger D / B (or information confirmation). Means), a profitability calculation unit 220 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 225 (or information storage means) for storing the profitability calculation information in the D / B. Characterized in that is made with.

Here, the ledger D / B is a D / B provided in the banking system 230. The ledger D / B includes customer information, account information, non-account information, and transaction history information necessary for calculating profitability for an individual customer group. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information receiving unit 205 may include customer information, one or more account information or one or more non-account information associated with the customer information, transaction history information for a predetermined period associated with the customer information, and a new account. Information including at least one information or new non-account information is provided to the information extracting unit 210 by receiving ledger information from the ledger D / B in association with the external system 235 of the banking system 230.

Here, the ledger information may include customer information, account information, non-account information, and transaction history information requested by the banking system 230 from the personal customer group profitability calculation server to calculate profitability for the individual customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 210 extracts information about the individual customer from the customer information received from the information receiving unit 205 and one or more account information associated with the customer information to check the information. The personal information is extracted from the customer information received from the information receiving unit 205 or at least one non-account information associated with the customer information to the information checking unit 215. Or extract information about an individual customer from the customer information received from the information receiving unit 205 and transaction history information for a predetermined period associated with the customer information, and provide the information to the information confirming unit 215; Or extracting information about an individual customer from the customer information received from the information receiving unit 205 or one or more new account information associated with the customer information. The information checking unit 215 extracts information about an individual customer from the customer information received from the information receiving unit 205 or one or more new non-account information associated with the customer information. To provide.

According to the embodiment of the present invention, the information checking unit 215 checks the individual customer from the information on the individual customer in the one or more account information associated with the customer information, the customer information extracted from the information extraction unit 210 The customer information provided to the profitability calculation unit 220 or the customer information extracted by the information extraction unit 210, one or more non-account information associated with the customer information to check the personal customer from the information on the individual customer Profitability calculation unit 220 of the or to the customer information extracted from the information extraction unit 210, the customer history by checking the information on the transaction history information for a certain period associated with the customer information to the profitability The personal information from the customer information provided by the calculation unit 220 or the one or more new account information associated with the customer information extracted by the information extraction unit 210. The customer is confirmed and provided to the profitability calculation unit 220 or the customer information extracted by the information extraction unit 210, the personal customer in the one or more new non-account information associated with the customer information and the above Provided to the profitability calculation unit 220.

Here, it is preferable that a certain period means a specific date or a specific period.

The profitability calculation unit 220 may provide account profitability information for individual customers, non-account profitability information for individual customers, transaction profitability information for individual customers, or personal customers provided by the information verification unit 215. Personal account profitability is calculated by linking profitability information with respect to an individual customer including at least one new account profitability information or new non-account profitability information with respect to the individual customer. Profitability information for the customer is provided to the information storage unit 225.

According to the method of the present invention, the non-account profitability information, or the transaction profitability information, or the new account profitability information, or the new non-account profitability information, the non-account profitability information including the financial element corresponding to the ledger, or the transaction Profitability information, or new account profitability information, or new non-account profitability information, non-account profitability information including non-financial elements other than the ledger, transaction profitability information, new account profitability information, or new non-account profitability information. It is preferable to comprise at least one or more.

In addition, the profitability calculation unit 220 may calculate profitability information by including at least one of profits from a savings account, a profit from a savings account, or a profit from a loan account in account information for the individual customer. desirable.

Here, the account profitability information of the account information of the individual customer is the interest income of borrowing the deposit on the savings account and receive interest, or the profit from the deposit operation of the savings account, or the deposit on the savings account and interest It is preferable to include at least one or more interest income received, or revenue from the savings operation of the savings account, or loan interest income for the loan account.

In addition, the profitability calculation unit 220 may calculate profitability information such as profits from foreign exchange products, revenues from derivative products, revenues from securities, or revenues from ancillary services, from non-account information for the individual customer. It is desirable to calculate profitability information including at least one.

Here, the non-account profitability information of the non-account information of the individual customer is at least one of handling fees for the foreign exchange transaction, or handling fees for derivatives, handling fees for securities, or handling fees for ancillary services, etc. It is preferable to comprise as mentioned above.

In addition, the profitability calculation unit 220 may include at least one or more profitability information, such as the revenue from the bankbook transaction, or the current or other remittance, or the lost account or the lost card. It is desirable to calculate profitability information.

Here, the transaction history profitability information of the transaction information of the individual customer is a handling fee by unpaid bank transfer or transaction, or handling fee by remittance, or handling fee by other remittance, or reissuance fee due to loss of bank account, or card. It is preferable to include at least one or more reissuance fees due to loss.

In addition, the profitability calculation unit 220 calculates profitability information by including at least one of profits from a savings account, a profit from a savings account, or a profit from a loan account in the newly registered account information of the individual customer. It is desirable to.

Here, the new account profitability information of the new account information of the individual customer is the potential interest income that can be borrowed and receive interest on the new savings account, or the potential operating income by the deposit operation of the new savings account, or the It is preferable to include at least one of the potential interest income to borrow and deposit interest in the new savings account, or the potential operating income from the savings operation of the new savings account, or the potential loan interest income on the new loan account. Do.

In addition, the profitability calculation unit 220 includes at least the profits of foreign exchange products, the profits of derivative products, the profits of securities, the profits of ancillary services, etc. in the non-account information newly registered by the individual customer. It is desirable to calculate profitability information including one or more.

Here, the new non-account profitability information of the new non-account information of the individual customer is the potential interest income from the trading of foreign exchange products, the potential handling fee revenue from derivatives, or the potential handling fee revenue from securities It is desirable to include at least one or more potential handling fee revenue for the service.

According to the method of the present invention, the information storage unit 225 stores the profitability information provided by the profitability calculation unit 220 in the D / B provided in the individual customer group profit calculation server, or the profitability calculation unit 220 It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in the).

The bank system 230 is connected to at least one or more teller terminals provided in branches (and / or branch) of the bank institution through a predetermined bank network (for example, our network), the teller terminal Provide face-to-face banking services to at least one banking customer.

Further, the banking system 230 may include at least one bank terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the bank institution, and / or with the bank institution. At least one bank terminal provided in at least one affiliated bank organization (and / or another branch) and / or at least one bank terminal provided in a public place and a predetermined bank network (e.g. Network), and provides a non-face-to-face banking service for at least one banking customer through the bank terminal.

In addition, the banking system 230 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x based) 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 / Provides non-face-to-face banking services to at least one or more banking customers through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function.

In addition, the bank system 230 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. Banking non-face-to-face with at least one banking 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 bank system 230 is characterized in that 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 via at least one wireless terminal (e.g., a wireless terminal having a bank 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 banking service to banking customers.

In addition, the bank system 230 is characterized in that associated with a predetermined telebanking server, 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 banking service to at least one or more banking customers via a GSM terminal and / or a smartphone.

In addition, the bank system 230 is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide non-face-to-face banking services to at least one banking customer.

In addition, the bank system 230 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) Provides non-face-to-face banking services to at least one banking customer through satellite DMB terminals, terrestrial DMB terminals, etc.).

Referring to FIG. 1, the bank system 230 is provided to a bank institution to open at least one bank account to at least one bank customer and provide at least one bank transaction service based on the bank account. As a computer system, an accounting system 240 which processes 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), and processes the headquarters business, supports branch information, and manages customer information. Interconnection between the information system 245 and the banking system 230 and at least one other banking system 230 (and / or payment system), and / or at least one non-face-to-face provided in at least one external communication network. The bank in a means of banking (eg, internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) And an external system 235 which provides access to the system 230 and / or various banking interfaces over at least one or more common networks (e.g., CD and network). The bank system 230 performs an interface module 250 corresponding to a middleware platform that provides inter-component interfacing within the bank system 230, and performs functions of components in the bank system 230. A DBMS 255 (DataBase Management System) comprising at least one database for storing and managing predetermined information (e.g., ledger information, and / or customer information, and / or management information, etc.) required for Characterized in that made.

In addition, the banking system 230 is intended by those skilled in the art and / or the type of each banking institution (eg, commercial banks, savings banks, trust banks) provided with the banking system 230 and the banking system 230 According to the purpose and features, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment banking module (not shown), international module (not shown), and the present invention belongs to If the person skilled in the art will be familiar with the technical details of the bank system 230, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

In addition, the ledger information for the ledger D / B of the banking system 230 has more information than the information shown in the ledger D / B of the banking system 230, but only shows information for calculating the profitability of individual customer groups. .

3 shows account profitability information for individual customers, non-account profitability information for individual customers, transaction profitability information for individual customers, and new account profitability for individual customers according to an embodiment of the present invention. It shows the operation flow of the system for calculating the personal customer profitability made by including at least one information, new non-account profitability information for the individual customer.

In more detail, Figure 3 takes the ledger information from the ledger D / B of the bank system 230 shown in Figure 2 and the five conditions of the individual customer group through the individual customer group profitability calculation server shown in Figure 2 Profitability information for (account profitability information for individual customers, non-account profitability information for individual customers, transaction profitability information for individual customers, new account profitability information for individual customers, and new non-account profitability information for individual customers) And a process of storing and registering the calculated profitability information in the D / B of the individual customer group profitability calculation server. Those who have ordinary knowledge in the field to which the present invention belongs, will refer to the individual customer with reference to FIG. Various implementation methods of the system for calculating the profitability of the group may be inferred, but the present invention is not limited to the drawing 3, but all the inferred implementations It includes a method.

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

Referring to FIG. 3A, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (300a).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 230 and registered account information associated with the customer information.

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

Thereafter, the server extracts the information corresponding to the individual customer group from the ledger information provided from the bank system 230 (305a).

If information about groups other than the individual customer group is extracted from the account information, processing is performed by referring to the other drawings shown in the present invention 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 account corresponding to the individual customer group (315a), and stores and registers the checked profitability information in the server D / B (320a).

Here, the account profitability information of the account information of the individual customer is the interest income of borrowing the deposit on the savings account and receive interest, or the profit from the deposit operation of the savings account, or the deposit on the savings account and interest It is preferable to include at least one or more interest income received, or revenue from the savings operation of the savings account, or loan interest income for the loan account.

Referring to FIG. 3B, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (300b).

Here, the ledger information preferably refers to non-account information associated with customer information and customer information stored and registered in the ledger D / B of the banking system 230.

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

In addition, the non-account information 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.

Thereafter, the server extracts the information corresponding to the individual customer group from the ledger information provided from the bank system 230 (305b).

If information about groups other than the individual customer group is extracted from the non-account information, processing is performed with reference to the other drawings shown in the present invention 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 non-account corresponding to the individual customer group (315b), and stores and registers the checked profitability information in the server D / B (320b).

Here, the non-account profitability information of the non-account information of the individual customer is at least one of handling fees for the foreign exchange transaction, or handling fees for derivatives, handling fees for securities, or handling fees for ancillary services, etc. It is preferable to comprise as mentioned above.

Referring to FIG. 3c, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (300c).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 230 and registered transaction information associated with the customer information.

In addition, the customer information 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 transaction history information is preferably made of at least one or more, such as transaction history, bank or other remittance history, transaction fees due to loss of bankbook, handling fee due to card loss.

Thereafter, the server extracts the information corresponding to the individual customer group from the ledger information provided from the bank system 230 (305c).

If information about groups other than the individual customer group is extracted from the account information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. (310c).

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

Here, the transaction history profitability information of the transaction information of the individual customer is a handling fee by unpaid bank transfer or transaction, or handling fee by remittance, or handling fee by other remittance, or reissuance fee due to loss of bank account, or card. It is preferable to include at least one or more reissuance fees due to loss.

Referring to FIG. 3D, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (300d).

Here, the ledger information may refer to customer information stored in the ledger D / B of the bank system 230 and registered new account information associated with the customer information.

In addition, the customer information 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 new account information preferably comprises at least one or more information about the account, such as saving account, savings account, loan account, etc., the customer newly subscribed.

Thereafter, the server extracts the information corresponding to the individual customer group from the ledger information provided from the bank system 230 (305d).

If information about groups other than the individual customer group is extracted from the account information, the processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. (310d).

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

Here, the new account profitability information of the new account information of the individual customer is the potential interest income that can be borrowed and receive interest on the new savings account, or the potential operating income by the deposit operation of the new savings account, or the It is preferable to include at least one of the potential interest income to borrow and deposit interest in the new savings account, or the potential operating income from the savings operation of the new savings account, or the potential loan interest income on the new loan account. Do.

Referring to FIG. 3E, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (300e).

Here, the ledger information preferably refers to new non-account information associated with customer information and customer information stored and registered in the ledger D / B of the banking system 230.

In addition, the customer information 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 non-account information 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.

Thereafter, the server extracts the information corresponding to the individual customer group from the ledger information provided from the bank system 230 (305e).

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

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

Here, the new non-account profitability information of the new non-account information of the individual customer is the potential interest income from the trading of foreign exchange products, the potential handling fee revenue from derivatives, or the potential handling fee revenue from securities It is desirable to include at least one or more potential handling fee revenue for the service.

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

In more detail, Figure 4 shows customer information (eg, social security number, customer name, etc.), one or more account information (eg, savings account, savings account, etc.) associated with the customer information for calculating profitability of the PB customer group. One or more non-account information associated with the customer information (e.g., foreign exchange products (export and import transactions such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), ancillary services (exchange, etc.) Etc.), or transaction information for a period of time associated with the customer information, one or more new account information associated with the customer information, or one or more new non-account information received from the bank system 230, PB As the figure shows the internal configuration of the system for extracting the information corresponding to the customer group, confirming the information on the PB customer group from the extracted information, and calculating the profitability for the PB customer, Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of the PB customer group with reference to this figure 4, but the present invention is not limited to this figure 4, Include all inference methods.

Here, the customer information 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 account information preferably comprises at least one or more information about the account that the customer, such as savings account, savings account, loan account subscription.

In addition, the non-account information 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 transaction details information, it is preferable that the transaction details, such as bank accounts and other remittances, the transaction fee due to the loss of the passbook, handling fee due to the loss of the card.

According to an embodiment of the present invention, the profitability calculation system of the PB customer group includes profitability calculation for account products of the PB customer group, profitability calculation for non-account products, or profitability calculation for a predetermined period of transaction of the PB customer group. PB customer group profitability calculation server or branch of a financial institution to calculate profitability of a PB customer group that includes at least one or more profitability calculations for joining a new account product or a new non-account product of a PB customer group. And a banking system 230 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. It is characterized by.

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 may include customer information, one or more account information or one or more non-account information associated with the customer information, transaction history information, new account information, or new non-account information for a predetermined period associated with the customer information. Is extracted from the bank system 230, a method of checking the profitability of the PB customer group according to the customer information is preferred, if the person having ordinary knowledge in the field of the present invention, referring to Figure 4, Profitability of the PB customer group includes operating profit less profitable expenses of the PB customer group required to generate the revenue from profits for the PB customer group, and the revenue generation expenses include Direct and indirect costs for employees who sell to customers a product that includes at least one account or non-account. It is preferable to include at least one or more of such 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 PB customer group profitability calculation server may include a D / B for storing profitability calculation results for each PB customer or a separate D / B server having a D / B for storing profitability calculation results for each PB customer. Interlocked.

Referring to FIG. 4, the PB customer group profitability calculation server is an information receiver 405 (or information receiver) for receiving information from the ledger D / B in association with the external system 235 of the bank system 230. An information extracting unit 410 (or information extraction means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 415 (or information confirmation) for confirming the information extracted from the ledger D / B. Means), a profitability calculation unit 420 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 425 (or information storage means) for storing the profitability calculation information in the D / B. It characterized by comprising a.

Here, the ledger D / B is a D / B provided in the banking system 230. The ledger D / B includes customer information, account information, non-account information, and transaction history information necessary for calculating profitability for the PB customer group. It is preferable to comprise.

According to the embodiment of the present invention, the information receiving unit 405 is customer information, one or more account information or one or more non-account information associated with the customer information, transaction history information for a certain period associated with the customer information, new account Information including at least one information or new non-account information is provided to the information extracting unit 410 by receiving ledger information from the ledger D / B in association with the external system 235 of the bank system 230.

Here, the ledger information may include customer information, account information, non-account information, and transaction history information requested from the PB customer group profitability calculation server to the banking system 230 in order to calculate profitability for the PB customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 410 extracts information about the PB customer from the customer information received from the information receiving unit 405 and one or more account information associated with the customer information. The information verification unit 415 may be provided to the verification unit 415 or the PB customer may be extracted from the customer information received from the information receiving unit 405 or one or more non-account information associated with the customer information. Or extract information about the PB customer from the customer information received from the information receiving unit 405, transaction history information for a predetermined period associated with the customer information, and provide the information to the information confirming unit 415. Or extract information about the PB customer from the customer information received from the information receiving unit 405 or one or more new account information associated with the customer information to the information checking unit 415. Balls, or to provide information to the receiving unit 405, the above client information, the information checking unit 415 extracts the information about the PB clients in one or more new non-account information associated with the customer information received from.

According to the embodiment of the present invention, the information checking unit 415 checks the PB customer from the information on the PB customer in the one or more account information associated with the customer information, the customer information extracted from the information extraction unit 410 Providing the PB customer from the information about the PB customer from the customer information, the one or more non-account information associated with the customer information provided to the profitability calculation unit 420 or extracted from the information extraction unit 410 Profitability calculation unit 420 or the PB customer from the information extracted from the information extraction unit 410, the transaction history information for a certain period associated with the customer information to confirm the profitability The PB customer is provided to the calculator 420 or at least one new account information associated with the customer information and the customer information extracted by the information extraction unit 410. Profitability calculation unit 420 or the PB customer in the at least one new non-account information associated with the customer information, the customer information extracted from the information extraction unit 410, the profitability calculation unit ( 420).

Here, it is preferable that a certain period means a specific date or a specific period.

The profitability calculator 420 may provide account profitability information for the PB customer, non-account profitability information for the PB customer, transaction profitability information for the PB customer, or PB customer provided by the information checker 415. The PB customer profitability is calculated in connection with the profitability information for the PB customer including at least one new account profitability information or new non-account profitability information for the PB customer. The calculated PB customer information and the PB Profitability information for the customer is provided to the information storage unit 425.

According to the method of the present invention, the non-account profitability information, or the transaction profitability information, or the new account profitability information, or the new non-account profitability information, the non-account profitability information including the financial element corresponding to the ledger, or the transaction Profitability information, or new account profitability information, or new non-account profitability information, and non-account profitability information including non-financial elements other than the ledger, transaction profitability information, new account profitability information, or new non-account profitability information. It is preferable to include one or more.

In addition, the profitability calculation unit 420 calculates profitability information by including at least one of profits from a savings account, a profit from a savings account, or a profit from a loan account in account information for the PB customer. desirable.

Here, the account profitability information of the account information of the PB customer is the interest income of borrowing the deposit on the savings account and receiving interest, or the profit from the deposit operation of the savings account, or the deposit on the savings account and the interest It is preferable to include at least one or more interest income received, or revenue from the savings operation of the savings account, or loan interest income for the loan account.

In addition, the profitability calculation unit 420 may calculate profitability information such as revenue from foreign exchange products, revenue from derivative products, revenue from securities, or revenue from ancillary services, from non-account information for the PB customer. It is desirable to calculate profitability information including at least one.

Here, the non-account profitability information of the non-account information of the PB customer includes at least the handling fee for the foreign exchange transaction, the handling fee for the derivatives, the handling fee for the securities, or the handling fee for the ancillary service. It is preferable to include one or more.

In addition, the profitability calculation unit 420 includes at least one or more profitability information, such as revenue from the unpaid bank account transaction history, or the current or other remittance, or the loss of the bank account, or the loss of the card. It is desirable to calculate profitability information.

Here, the transaction history profitability information for the transaction history information of the PB customer is a handling fee by unpaid bank transfer or transaction, or handling fee by remittance, or handling fee by another remittance, or reissuance fee due to loss of bank account, or card. It is preferable to include at least one or more reissuance fees due to loss.

In addition, the profitability calculation unit 420 calculates profitability information by including at least one of profits from a savings account, a profit from a savings account, or a profit from a loan account in the newly registered account information of the PB customer. It is desirable to.

Here, the new account profitability information of the new account information of the PB customer is potential interest income that can be borrowed and receive interest on the new savings account, or potential operating income by deposit management of the new savings account, or It includes at least one or more potential interest income to borrow and deposit interest in the new savings account, or potential operating income from the savings operation of the new savings account, or potential loan interest income for the new loan account. desirable.

In addition, the profitability calculation unit 420 may include at least the profits of foreign exchange products, the profits of derivative products, the profits of securities, the profits of ancillary services, and the like in the non-account information of the PB customer. It is desirable to calculate profitability information including one or more.

Here, the new non-account profitability information for the new non-account information of the PB customer is potential interest income from the trading of foreign exchange products, potential handling fee revenue from derivatives, or potential handling fee revenue from securities, or incidentals. It is desirable to include at least one or more potential handling fee revenue for the service.

According to the method of the present invention, the information storage unit 425 stores the profitability information provided by the profitability calculation unit 420 in the D / B provided in the PB customer group profit calculation server, or the profitability calculation unit 420 It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in the).

According to an embodiment of the present invention, the banking system 230 provides the ledger information to the PB customer group profitability calculation server in association with the ledger D / B in the banking system 230 in connection with the PB customer group profitability calculation server. It provides a function for, and detailed description of the internal configuration has been described with reference to Figure 2, it will be omitted.

In addition, the ledger information for the ledger D / B of the banking system 230 has more information than the information shown in the ledger D / B of the banking system 230 shown in Figure 4, but for calculating the profitability of the PB customer group Only information is shown.

Figure 5 shows the account profitability information for PB customers, non-account profitability information for PB customers, transaction profitability information for PB customers, and new account profitability for PB customers in accordance with the method of the present invention. It shows the operation flow of the system for calculating the PB customer profitability, which comprises at least one information, new non-account profitability information for the PB customer.

In more detail, Figure 5 shows the ledger information from the ledger D / B of the bank system 230 shown in Figure 2 and the five conditions of the PB customer group through the PB customer group profitability calculation server shown in Figure 4 Profitability information for (account profitability information for PB customers, non-account profitability information for PB customers, transaction profitability information for PB customers, new account profitability information for PB customers, and new non-account profitability information for PB customers) And a process of storing and registering the calculated profitability information in the D / B of the PB customer group profitability calculation server. If a person having ordinary knowledge in the field to which the present invention belongs, the PB will be described with reference to FIG. 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 implementation methods inferred.

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

Referring to FIG. 5A, the server accesses the banking system 230 through a predetermined communication network, requests the server to provide ledger information of the banking system 230 ledger D / B for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (500a).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 230 and registered account information associated with the customer information.

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

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the bank system 230 (505a).

If information about groups other than the PB customer group is extracted from the account information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 5A, only the part of the PB customer group is processed. (510a).

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

Here, the account profitability information of the account information of the PB customer is the interest income of borrowing the deposit on the savings account and receiving interest, or the profit from the deposit operation of the savings account, or the deposit on the savings account and the interest It is preferable to include at least one or more interest income received, or revenue from the savings operation of the savings account, or loan interest income for the loan account.

Referring to FIG. 5B, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (500b).

Here, the ledger information preferably refers to non-account information associated with customer information and customer information stored and registered in the ledger D / B of the banking system 230.

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

In addition, the non-account information 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.

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the bank system 230 (505b).

If information about groups other than the PB customer group is extracted from the non-account information, processing is performed by referring to the other drawings shown in the present invention 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 non-account corresponding to the PB customer group (515b), and stores and registers the checked profitability information in the server D / B (520b).

Here, the non-account profitability information of the non-account information of the PB customer is at least one handling fee for the foreign exchange product transaction, handling fees for derivatives, handling fees for securities, or handling fees for ancillary services, etc. It is preferable to comprise as mentioned above.

Referring to FIG. 5C, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (500c).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 230 and registered transaction information associated with the customer information.

In addition, the customer information 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 transaction history information is preferably made of at least one or more, such as transaction history, bank or other remittance history, transaction fees due to loss of bankbook, handling fee due to card loss.

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the bank system 230 (505c).

If information about groups other than the PB customer group is extracted from the account information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 5C, only the part of the PB customer group is processed. (510c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the PB customer group (515c), and stores and registers the checked profitability information in the server D / B (520c).

Here, the transaction history profitability information for the transaction history information of the PB customer is a handling fee by unpaid bank transfer or transaction, or handling fee by remittance, or handling fee by another remittance, or reissuance fee due to loss of bank account, or card. It is preferable to include at least one or more reissuance fees due to loss.

Referring to FIG. 5D, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (500d).

Here, the ledger information may refer to customer information stored in the ledger D / B of the bank system 230 and registered new account information associated with the customer information.

In addition, the customer information 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 new account information preferably comprises at least one or more information about the account, such as saving account, savings account, loan account, etc., the customer newly subscribed.

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the bank system 230 (505d).

If information about groups other than the PB customer group is extracted from the account information, processing is performed with reference to the other drawings shown in the present invention 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 account corresponding to the PB customer group (515d), and stores and registers the confirmed profitability information in the server D / B (520d).

Here, the new account profitability information of the new account information of the PB customer is the potential interest income that can be borrowed and receive interest on the new savings account, or the potential operating income by the deposit operation of the new savings account, or the It is preferable to include at least one of the potential interest income to borrow and deposit interest in the new savings account, or the potential operating income from the savings operation of the new savings account, or the potential loan interest income on the new loan account. Do.

Referring to FIG. 5E, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (500e).

Here, the ledger information preferably refers to new non-account information associated with customer information and customer information stored and registered in the ledger D / B of the banking system 230.

In addition, the customer information 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 non-account information 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.

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the bank system 230 (505e).

If information about groups other than the PB customer group is extracted from the account information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 5E, only the portion of the PB customer group is processed. 510e.

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

Here, the new non-account profitability information for the new non-account information of the PB customer is potential interest income from the trading of foreign exchange products, potential handling fee revenue from derivatives, or potential handling fee revenue from securities, or incidentals. It is desirable to include at least one or more potential handling fee revenue for the service.

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

In more detail, FIG. 6 shows customer information (eg, social security number, customer name, etc.), one or more account information (eg, savings account, savings account, etc.) associated with the customer information for calculating profitability of the special customer group. One or more non-account information associated with the customer information (e.g., foreign exchange products (export and import transactions such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), ancillary services (exchange, etc.) Etc.), or transaction information for a period of time associated with the customer information, one or more new account information associated with the customer information, or one or more new non-account information provided from the bank system 230, The internal configuration of the system for extracting the information corresponding to the customer group, checking the information on the special customer group from the extracted information, and calculating the profitability for the special customer is shown. As those skilled in the art to which the present invention pertains, various embodiments of the system for calculating profitability of a special customer group may be inferred with reference to FIG. 6, but the present invention is limited to the present invention. But not including all implementation methods inferred.

Here, the customer information 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 account information preferably comprises at least one or more information about the account that the customer, such as savings account, savings account, loan account subscription.

In addition, the non-account information 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 transaction details information, it is preferable that the transaction details, such as bank accounts and other remittances, the transaction fee due to the loss of the passbook, handling fee due to the loss of the card.

According to the implementation method of the present invention, the profitability calculation system of the special customer group is a profitability calculation for the account product of the special customer group, or a profitability calculation for the non-account product, or a profitability calculation for a certain period of transaction history of the special customer group Calculate profitability of special customer group for calculating profitability of special customer group including at least one or more profitability calculation of new account product or new non-account product of special customer group, server or branch of financial institution And a banking system 230 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. It is characterized by.

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 may include customer information, one or more account information or one or more non-account information associated with the customer information, transaction history information, new account information, or new non-account information for a predetermined period associated with the customer information. Is extracted from the banking system 230, and a method of checking the profitability of the special customer group according to the customer information is preferred. Referring to FIG. 6, the profitability of the special customer group is based on the profit for the special customer group. It includes operating profit deducting the revenue generation cost of the special customer group required for generating the revenue, the revenue generation cost includes at least one or more account products or non-account products subscribed to the customer Include at least one of the costs, such as direct and indirect costs, for employees who sell goods to customers. It is preferable to make.

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 group profitability calculation server includes a D / B for storing the profitability calculation result for each special customer or a separate D / B server and a communication network having a D / B for saving the profitability calculation result for each special customer. Interlocked.

Referring to Figure 6, the special customer group profitability calculation server, the information receiving unit 605 (or information receiving means) for receiving information from the ledger D / B in conjunction with the external system 235 of the bank system 230 An information extracting unit 610 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 615 (or information confirmation for confirming the information extracted from the ledger D / B). Means), a profitability calculation unit 620 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 625 (or information storage means) for storing the profitability calculation information in the D / B. It characterized by comprising a.

Here, the ledger D / B is a D / B provided in the banking system 230. The ledger D / B includes customer information, account information, non-account information, and transaction history information necessary for calculating profitability for a special customer group. It is preferable to comprise.

According to an embodiment of the present invention, the information receiving unit 605 may include customer information, one or more account information or one or more non-account information associated with the customer information, transaction history information for a predetermined period associated with the customer information, and a new account. Information including at least one of information or new non-account information is provided to the information extracting unit 610 by receiving ledger information from the ledger D / B in association with the external system 235 of the bank system 230.

Here, the ledger information may include customer information, account information, non-account information, and transaction history information requested from the special customer group profitability calculation server to the banking system 230 to calculate profitability for the special customer group.

According to an exemplary embodiment of the present invention, the information extracting unit 610 extracts information on a special customer from one or more account information associated with the customer information and the customer information received by the information receiving unit 605 to confirm the information. The information about the special customer from the customer information received from the information receiving unit 605 or one or more non-account information associated with the customer information is provided to the information checking unit 615. Or extract information about a special customer from the customer information received from the information receiving unit 605 and transaction history information for a predetermined period associated with the customer information and provide the information to the information checking unit 615. Or extracting information on a special customer from the customer information received from the information receiving unit 605 or one or more new account information associated with the customer information. The information confirmation unit 615 by extracting information on the special customer from the customer information received from the information receiving unit 605 or one or more new non-account information associated with the customer information provided to the unit 615. To provide.

According to the embodiment of the present invention, the information checking unit 615 checks the special customer in the information on the special customer in the one or more account information associated with the customer information, the customer information extracted from the information extraction unit 610 Providing to the profitability calculation unit 620, or in the customer information extracted from the information extraction unit 610, at least one non-account information associated with the customer information to check the special customer in the information about the special customer Profitability calculation unit 620 provided to the, or the customer information extracted from the information extraction unit 610, the specific customer from the information on the transaction history information for a certain period associated with the customer information to determine the profitability The special information is provided in the calculation unit 620 or at least one new account information associated with the customer information extracted from the information extraction unit 610. The customer may be identified and provided to the profitability calculation unit 620, or the special customer may be identified in the one or more new non-account information associated with the customer information and the customer information extracted by the information extraction unit 610. Provided to the profitability calculation unit 620.

Here, it is preferable that a certain period means a specific date or a specific period.

The profitability calculation unit 620 may provide account profitability information for the special customer, non-account profitability information for the special customer, or transaction profitability information for the special customer, or for the special customer provided by the information checking unit 615. The special customer profitability is calculated in connection with the profitability information for the special customer including at least one new account profitability information or new non-account profitability information for the special customer. Profitability information for the customer is provided to the information storage unit 625.

According to the method of the present invention, the non-account profitability information, or the transaction profitability information, or the new account profitability information, or the new non-account profitability information, the non-account profitability information including the financial element corresponding to the ledger, or the transaction Profitability information, or new account profitability information, or new non-account profitability information, and non-account profitability information including non-financial elements other than the ledger, transaction profitability information, new account profitability information, or new non-account profitability information. It is preferable to include one or more.

According to the method of the present invention, the profitability calculation unit 620 includes at least one or more of the profit from the savings account, the profit from the savings account, or the profit from the loan account in the account information for the special customer. It is desirable to calculate profitability information.

Here, the account profitability information of the account information of the special customer is the interest income to borrow and deposit interest on the savings account, or the profit from the deposit operation of the savings account, or the deposit on the savings account and interest It is preferable to include at least one or more interest income received, or revenue from the savings operation of the savings account, or loan interest income for the loan account.

In addition, the profitability calculation unit 620 may calculate profitability information such as profits from foreign exchange products, revenues from derivatives, revenues from securities, or revenues from non-accounting information for the special customer. It is desirable to calculate profitability information including at least one.

Here, the non-account profitability information for the non-account information of the special customer is at least one handling fee for the foreign exchange transaction, or handling fees for derivatives, handling fees for securities or handling fees for ancillary services, etc. It is preferable to comprise as mentioned above.

In addition, the profitability calculation unit 620 includes at least one or more profitability information, such as revenue from the unpaid bank account transaction history, or proceeds from the current or other remittances, or bank account loss, or revenue from the card loss. It is desirable to calculate profitability information.

Here, the transaction history profitability information for the transaction details information of the special customer is a handling fee by unpaid and withdrawal transaction, or handling fee by remittance, or handling fee by another remittance, or reissuance fee due to loss of bank account or card. It is preferable to include at least one or more reissuance fees due to loss.

In addition, the profitability calculation unit 620 calculates profitability information by including at least one of a profit from a savings account, a profit from a savings account, or a profit from a loan account in the newly registered account information of the special customer. It is desirable to.

Here, the new account profitability information for the new account information of the special customer is the potential interest income that can be borrowed and receive interest on the new savings account, or the potential operating income by deposit management of the new savings account, or the It is preferable to include at least one of the potential interest income to borrow and deposit interest in the new savings account, or the potential operating income from the savings operation of the new savings account, or the potential loan interest income on the new loan account. Do.

In addition, the profitability calculation unit 620 may include at least the profits of foreign exchange products, the profits of derivative products, the profits of securities, the profits of ancillary services, and the like in the non-account information newly registered by the special customer. It is desirable to calculate profitability information including one or more.

Here, the new non-account profitability information of the new non-account information of the special customer is the potential interest income from the trading of foreign exchange products, the potential handling fee revenue from derivatives, or the potential handling fee revenue from securities It is desirable to include at least one or more potential handling fee revenue for the service.

According to the method of the present invention, the information storage unit 625 stores the profitability information provided by the profitability calculation unit 620 in the D / B provided in the special customer group profit calculation server, or the profitability calculation unit 620 It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in the).

According to an embodiment of the present invention, the banking system 230 provides the ledger information to the special customer group profitability calculation server in association with the ledger D / B in the banking system 230 in connection with the special customer group profitability calculation server. It provides a function for, and detailed description of the internal configuration has been described with reference to Figure 2, it will be omitted.

In addition, the ledger information for the ledger D / B of the banking system 230 has more information than the information shown in the ledger D / B of the banking system 230 shown in Figure 6, but for calculating the profitability of the special customer group Only information is shown.

Figure 7 shows the account profitability information for special customers, the non-account profitability information for special customers, the transaction profitability information for special customers, and the new account profitability for special customers according to the method of the present invention. It shows the operation flow of the system for calculating the profitability of special customers, which includes information and at least one new non-account profitability information for special customers.

In more detail, Figure 7 shows the ledger information from the ledger D / B of the bank system 230 shown in Figure 2 and the five conditions of the special customer group through the special customer group profitability calculation server shown in Figure 6 Profitability information for (account profitability information for special customers, non-account profitability information for special customers, transaction profitability information for special customers, new account profitability information for special customers, and new non-account profitability information for special customers) And a process of storing and registering the calculated profitability information in the D / B of the special customer group profitability calculation server. If the user has general knowledge in the field to which the present invention belongs, the special customer will be referred to with reference to FIG. Various implementation methods of the system for calculating the profitability of the group may be inferred, but the present invention is not limited to the drawing 7 and all the inferred implementations It includes a method.

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

Referring to FIG. 7A, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (700a).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 230 and registered account information associated with the customer information.

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

Thereafter, the server extracts the information corresponding to the special customer group from the ledger information provided from the bank system 230 (705a).

If information about groups other than the special customer group is extracted from the account information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 7a, only the part of the special customer group is processed. (710a).

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

Here, the account profitability information of the account information of the special customer is the interest income to borrow and deposit interest on the savings account, or the profit from the deposit operation of the savings account, or the deposit on the savings account and interest It is preferable to include at least one or more interest income received, or revenue from the savings operation of the savings account, or loan interest income for the loan account.

Referring to FIG. 7B, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (700b).

Here, the ledger information preferably refers to non-account information associated with customer information and customer information stored and registered in the ledger D / B of the banking system 230.

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

In addition, the non-account information 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.

Thereafter, the server extracts the information corresponding to the special customer group from the ledger information provided from the bank system 230 (705b).

If information about groups other than the special customer group is extracted from the non-account information, processing is performed by referring to the other drawings shown in the present invention 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 non-account corresponding to the special customer group (715b), and stores and registers the checked profitability information in the server D / B (720b).

Here, the non-account profitability information for the non-account information of the special customer is at least one handling fee for the foreign exchange transaction, or handling fees for derivatives, handling fees for securities or handling fees for ancillary services, etc. It is preferable to comprise as mentioned above.

Referring to FIG. 7c, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (700c).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 230 and registered transaction information associated with the customer information.

In addition, the customer information 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 transaction history information is preferably made of at least one or more, such as transaction history, bank or other remittance history, transaction fees due to loss of bankbook, handling fee due to card loss.

Thereafter, the server extracts the information corresponding to the special customer group from the ledger information provided from the bank system 230 (705c).

If information about groups other than the special customer group is extracted from the account information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. (710c).

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

Here, the transaction history profitability information for the transaction details information of the special customer is a handling fee by unpaid and withdrawal transaction, or handling fee by remittance, or handling fee by another remittance, or reissuance fee due to loss of bank account or card. It is preferable to include at least one or more reissuance fees due to loss.

Referring to FIG. 7D, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (700d).

Here, the ledger information may refer to customer information stored in the ledger D / B of the bank system 230 and registered new account information associated with the customer information.

In addition, the customer information 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 new account information preferably comprises at least one or more information about the account, such as saving account, savings account, loan account, etc., the customer newly subscribed.

Thereafter, the server extracts the information corresponding to the special customer group from the ledger information provided from the bank system 230 (705d).

If information about groups other than the special customer group is extracted from the account information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 7d, only the part of the special customer group is processed. (710d).

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

Here, the new account profitability information for the new account information of the special customer is the potential interest income that can be borrowed and receive interest on the new savings account, or the potential operating income by deposit management of the new savings account, or the It is preferable to include at least one of the potential interest income to borrow and deposit interest in the new savings account, or the potential operating income from the savings operation of the new savings account, or the potential loan interest income on the new loan account. Do.

Referring to FIG. 7E, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (700e).

Here, the ledger information preferably refers to new non-account information associated with customer information and customer information stored and registered in the ledger D / B of the banking system 230.

In addition, the customer information 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 non-account information 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.

Thereafter, the server extracts the information corresponding to the special customer group from the ledger information provided from the bank system 230 (705e).

If information about groups other than the special customer group is extracted from the account information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. (710e).

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

Here, the new non-account profitability information of the new non-account information of the special customer is the potential interest income from the trading of foreign exchange products, the potential handling fee revenue from derivatives, or the potential handling fee revenue from securities It is desirable to include at least one or more potential handling fee revenue for the service.

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

In more detail, Figure 8 shows customer information (eg, social security number, customer name, etc.), one or more account information (eg, savings account, savings account, etc.) associated with the customer information for calculating profitability of the corporate customer group, or the One or more non-account information associated with the customer information (e.g., foreign exchange products (export and import transactions such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), ancillary services (exchange, etc.) Etc.), or transaction information for a period of time associated with the customer information, one or more new account information associated with the customer information, or one or more new non-account information provided from the bank system 230, It shows the internal structure of the system for extracting the information corresponding to the customer group, checking the information about the corporate customer group from the extracted information, and calculating the profitability for the corporate customer. As those skilled in the art to which the present invention pertains, various implementation methods of a system for calculating profitability of a corporate customer group may be inferred with reference to FIG. 8, but the present invention is limited to this FIG. 8. But not including all implementation methods inferred.

Here, the customer information 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 account information preferably comprises at least one or more information about the account that the customer, such as savings account, savings account, loan account subscription.

In addition, the non-account information 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 transaction details information, it is preferable that the transaction details, such as bank accounts and other remittances, the transaction fee due to the loss of the passbook, handling fee due to the loss of the card.

According to the implementation method of the present invention, the profitability calculation system of the corporate customer group calculates the profitability calculation for the account products of the corporate customer group, or the profitability calculation for the non-accounting products, or the profitability calculation by the transaction history of the corporate customer group for a certain period of time. Corporate customer group profitability calculation server or financial institution branch (or branch office) for calculating the profitability of the corporate customer group, which includes at least one or more profitability calculations of new account products or new non-account products. A banking system 230 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 Characterized in that made.

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 includes customer information, one or more account information or one or more non-account information associated with the customer information, transaction history information, new account information, or new non-account information for a predetermined period associated with the customer information. Is extracted from the banking system 230 to determine the profitability of the corporate customer group according to the customer information. Referring to FIG. 8, the profitability of the corporate customer group is based on the profit for the corporate customer group. It includes operating profit which is subtracted from the revenue generation costs of the corporate customer group required for the generation of revenue, the revenue generation costs include at least one or more account products or non-accounting products subscribed to the customer Include at least one of the costs, such as direct and indirect costs, for employees who sell goods to customers. Be formed is 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 corporate customer group profitability calculation server may include a D / B for storing profitability calculation results for each corporate customer, or a separate D / B server and communication network having a D / B for storing profitability calculation results for each window customer. Interlocked.

Referring to FIG. 8, the corporate customer group profitability calculation server is an information receiver 805 (or information receiver) for receiving information from the ledger D / B in association with the external system 235 of the bank system 230. An information extraction unit 810 (or information extraction means) for extracting necessary information from the information received from the ledger D / B, and an information confirmation unit 815 (or information confirmation) for confirming the information extracted from the ledger D / B. Means), a profitability calculation unit 820 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 825 (or information storage means) for storing the profitability calculation information in the D / B. Characterized in that is made with.

Here, the ledger D / B is a D / B provided in the banking system 230, and the ledger D / B includes customer information, account information, non-account information, and transaction history information necessary for calculating profitability for the corporate customer group. It is preferable to comprise.

According to an embodiment of the present invention, the information receiving unit 805 may include customer information, one or more account information or one or more non-account information associated with the customer information, transaction history information for a predetermined period associated with the customer information, and a new account. Information including at least one information or new non-account information is provided to the information extraction unit 810 by receiving ledger information from the ledger D / B in association with the external system 235 of the bank system 230.

Here, the ledger information may include customer information, account information, non-account information, and transaction history information requested from the corporate customer group profitability calculation server to the banking system 230 in order to calculate profitability for the corporate customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 810 extracts information on the corporate customer from the one or more account information associated with the customer information and the customer information received by the information receiving unit 805 to check the information. The information about the corporate customer is extracted from the customer information received from the information receiving unit 805 or one or more non-account information associated with the customer information to the information checking unit 815. Or extract information about a corporate customer from the customer information received from the information receiving unit 805 and transaction history information for a predetermined period associated with the customer information, and provide the information to the information confirming unit 815; Or extracting information about a corporate customer from the customer information received from the information receiving unit 805 and at least one new account information associated with the customer information. The information confirmation unit 815 by extracting information on a corporate customer from the customer information received from the information receiving unit 805 or one or more new non-account information associated with the customer information. To provide.

According to an embodiment of the present invention, the information checking unit 815 checks the corporate customer from the information on the corporate customer in the one or more account information associated with the customer information, the customer information extracted from the information extraction unit 810 Providing the corporate customer from the information on the corporate customer from the customer information, the one or more non-account information associated with the customer information provided to the profitability calculation unit 820 or extracted from the information extraction unit 810 Profitability calculation unit 820 of the or the information extraction unit 810 or the customer information extracted from the information on the transaction history information for a certain period of time associated with the customer information to verify the corporate customer Provided to the calculation unit 820, or from the customer information extracted from the information extraction unit 810, at least one new account information associated with the customer information The customer may be identified and provided to the profitability calculation unit 820 or the customer information extracted from the information extraction unit 810 or one or more new non-account information associated with the customer information. Provided to the profitability calculation unit 820.

Here, it is preferable that a certain period means a specific date or a specific period.

The profitability calculation unit 820 may provide account profitability information for the corporate customer, non-account profitability information for the corporate customer, or transaction profitability information for the corporate customer, or the corporate customer provided by the information verification unit 815. The corporate customer profitability is calculated in connection with the profitability information for the corporate customer including at least one new account profitability information or new non-account profitability information for the corporate customer. Profitability information for the customer is provided to the information storage unit 825.

According to the method of the present invention, the non-account profitability information, or the transaction profitability information, or the new account profitability information, or the new non-account profitability information, the non-account profitability information including the financial element corresponding to the ledger, or the transaction Profitability information, or new account profitability information, or new non-account profitability information, non-account profitability information including non-financial elements other than the ledger, transaction profitability information, new account profitability information, or new non-account profitability information. It is preferable to comprise at least one or more.

According to the exemplary embodiment of the present invention, the profitability calculation unit 820 includes at least one of a profit from a savings account, a profit from a savings account, or a profit from a loan account in account information for the corporate customer. It is desirable to calculate profitability information.

Here, the account profitability information of the account information of the corporate customer is the interest income of borrowing the deposits on the savings account and receive interest, or the profits from the deposit operation of the savings account, or the deposits on the savings account and interest It is preferable to include at least one or more interest income received, or revenue from the savings operation of the savings account, or loan interest income for the loan account.

In addition, the profitability calculation unit 820 may calculate profitability information such as profits from foreign exchange products, revenues from derivative products, revenues from securities, or revenues from ancillary services, from non-account information for the corporate customer. It is desirable to calculate profitability information including at least one.

Here, the non-account profitability information of the non-account information of the corporate customer is at least one of handling fees for the foreign exchange transaction, or handling fees for derivatives, handling fees for securities, or handling fees for ancillary services, etc. It is preferable to comprise as mentioned above.

In addition, the profitability calculation unit 820 includes at least one or more profitability information, such as revenue from the unpaid bank account transaction history, profits from current or other remittances, or revenues from lost accounts, or revenues from lost cards. It is desirable to calculate profitability information.

Here, the transaction history profitability information for the transaction information of the enterprise customer is a handling fee by the unpaid deposit and withdrawal transaction, the handling fee by the current remittance, or the handling fee by another remittance, or the reissue fee due to the loss of the account, or card It is preferable to include at least one or more reissuance fees due to loss.

In addition, the profitability calculation unit 820 calculates profitability information by including at least one of profits from a savings account, a profit from a savings account, or a profit from a loan account in the newly registered account information of the corporate customer. It is desirable to.

Here, the new account profitability information for the new account information of the corporate customer is the potential interest income that can be borrowed and receive interest on the new savings account, or the potential operating income from the deposit operation of the new savings account, or It includes at least one or more potential interest income to borrow and deposit interest in the new savings account, or potential operating income from the savings operation of the new savings account, or potential loan interest income for the new loan account. desirable.

In addition, the profitability calculation unit 820 includes at least a profit from a foreign exchange product, a profit from a derivative product, a profit from a securities, or a profit from ancillary services in the non-account information newly registered by the corporate customer. It is desirable to calculate profitability information including one or more.

Here, the new non-account profitability information for the new non-account information of the enterprise customer is the potential interest income from the trading of foreign exchange products, the potential handling fee revenue from derivatives, or the potential handling fee revenue from securities It is desirable to include at least one or more potential handling fee revenue for the service.

According to an embodiment of the present invention, the information storage unit 825 stores the profitability information provided by the profitability calculation unit 820 in a D / B provided in the corporate customer group profitability calculation server, or the profitability calculation unit 820. It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in the).

According to the implementation method of the present invention, the banking system 230 provides the ledger information to the corporate customer group profitability calculation server in association with the ledger D / B in the banking system 230 in connection with the corporate customer group profitability calculation server. It provides a function for, and detailed description of the internal configuration has been described with reference to Figure 2, it will be omitted.

In addition, the ledger information for the ledger D / B of the banking system 230 has more information than the information shown in the ledger D / B of the banking system 230 shown in Figure 8, but for calculating the corporate customer group profitability Only information is shown.

Figure 9 shows the account profitability information for the corporate customer, the non-account profitability information for the enterprise customer, the transaction profitability information for the enterprise customer, the new account profitability for the corporate customer according to the method of the present invention It shows the operation flow of the system for calculating the profitability of the enterprise customer made by including at least one information, new non-account profitability information for the enterprise customer.

In more detail, Figure 9 shows the ledger information from the ledger D / B of the bank system 230 shown in Figure 2 and the five conditions of the corporate customer group through the corporate customer group profitability calculation server shown in Figure 8 Profitability information for (account profitability information for corporate customers, non-account profitability information for corporate customers, transaction profitability information for corporate customers, new account profitability information for corporate customers, new non-account profitability information for corporate customers) And a process of storing and registering the calculated profitability information in the D / B of the corporate customer group profitability calculation server. If the user has general knowledge in the field to which the present invention belongs, the enterprise customer will be referred to with reference to FIG. Various implementation methods of the system for calculating the profitability of the group may be inferred, but the present invention is not limited to the drawing 9 and all the inferred implementations It includes a method.

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

9A, the server accesses the banking system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the banking system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (900a).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 230 and registered account information associated with the customer information.

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

Thereafter, the server extracts the information corresponding to the corporate customer group from the ledger information provided from the bank system 230 (905a).

If information about groups other than the corporate customer group is extracted from the account information, processing is performed with reference to the other drawings shown in the present invention 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 account corresponding to the corporate customer group (915a), and stores and registers the checked profitability information in the server D / B (920a).

Here, the account profitability information of the account information of the corporate customer is the interest income of borrowing the deposits on the savings account and receive interest, or the profits from the deposit operation of the savings account, or the deposits on the savings account and interest Receiving interest income, or profits from the savings operation of the savings account, or the loan to the loan account is preferably made of at least one or more.

9B, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (900b).

Here, the ledger information preferably refers to non-account information associated with customer information and customer information stored and registered in the ledger D / B of the banking system 230.

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

In addition, the non-account information is preferably made up of 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, 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.

Thereafter, the server extracts the information corresponding to the corporate customer group from the ledger information provided from the bank system 230 (905b).

If information about groups other than the corporate customer group is extracted from the non-account information, processing is performed by referring to the other drawings shown in the present invention 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 non-account corresponding to the corporate customer group (915b), and stores and registers the checked profitability information in the server D / B (920b).

Here, the non-account profitability information of the non-account information of the corporate customer is at least one handling fee for the foreign exchange product transaction, handling fees for derivatives, handling fees for securities, or handling fees for ancillary services, etc. It is preferable to comprise as mentioned above.

Referring to FIG. 9C, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (900c).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 230 and registered transaction information associated with the customer information.

In addition, the customer information 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 transaction history information is preferably made of at least one or more, such as transaction history, bank or other remittance history, transaction fees due to the loss of the passbook, handling fees due to the loss of the card.

Thereafter, the server extracts the information corresponding to the corporate customer group from the ledger information provided from the bank system 230 (905c).

If information about groups other than the corporate customer group is extracted from the account information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 9c, only the portion of the corporate customer group is processed. (910c).

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

Here, the transaction history profitability information for the transaction information of the enterprise customer is a handling fee by the unpaid deposit and withdrawal transaction, the handling fee by the current remittance, or the handling fee by another remittance, or the reissue fee due to the loss of the account, or card It is preferable to include at least one or more reissuance fees due to loss.

9D, the server accesses the bank system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (900d).

Here, the ledger information may refer to customer information stored in the ledger D / B of the bank system 230 and registered new account information associated with the customer information.

In addition, the customer information 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 new account information preferably comprises at least one or more information about the account, such as saving account, savings account, loan account, etc., the customer newly subscribed.

Thereafter, the server extracts the information corresponding to the corporate customer group from the ledger information provided from the bank system 230 (905d).

If information about groups other than the corporate customer group is extracted from the account information, processing is performed with reference to the other drawings shown in the present invention 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 account corresponding to the corporate customer group (915d), and stores and registers the checked profitability information in the server D / B (920d).

Here, the new account profitability information for the new account information of the corporate customer is the potential interest income that can be borrowed and receive interest on the new savings account, or the potential operating income by deposit management of the new savings account, or the It is preferable to include at least one of the potential interest income to borrow and deposit interest in the new savings account, or the potential operating income from the savings operation of the new savings account, or the potential loan interest income on the new loan account. Do.

9E, the server accesses the banking system 230 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the banking system 230 for the profitability calculation. In response, the bank system 230 provides the ledger information of the ledger D / B to the server (900e).

Here, the ledger information preferably refers to new non-account information associated with customer information and customer information stored and registered in the ledger D / B of the banking system 230.

In addition, the customer information 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 non-account information 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.

Thereafter, the server extracts the information corresponding to the corporate customer group from the ledger information provided from the bank system 230 (905e).

If information about groups other than the corporate customer group is extracted from the account information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 9e, only the portion of the corporate customer group is processed. (910e).

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

Here, the new non-account profitability information for the new non-account information of the enterprise customer is the potential interest income from the trading of foreign exchange products, the potential handling fee revenue from derivatives, or the potential handling fee revenue from securities It is desirable to include at least one or more potential handling fee revenue for the service.

Figure 10 is a bank personal customer group profitability calculation server 200, bank PB customer group profitability calculation server 400, bank special customer group profitability calculation server 600, bank corporate customer group profitability calculation server according to the embodiment of the present invention The system configuration for storing validity and valid profitability information received from profitability information from 800 is shown.

In more detail, Figure 10 shows the individual customer group, PB customer group, special customer group, corporate customer group customer information (for example, social security number, customer name, etc.), profitability information associated with the customer information bank personal customer group profitability calculation Server 200, bank PB customer group profitability calculation server (400), bank special customer group profitability calculation server (600), bank corporate customer group profitability calculation server (800), personal customer group profitability information, PB customer group The internal structure of the system for confirming the validity of the profitability information, the special customer group profitability information, the corporate customer group profitability information, and storing and registering the validated profitability information is shown. Those skilled in the art will be able to infer various implementation methods of the system for calculating bank integration profitability with reference to this drawing 10. It is not limited to this figure 10, but includes all the implementation methods inferred.

Here, the customer information 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.

The profitability information may include at least one of account profitability information, non-account profitability information, transaction history profitability information, new account profitability information, and new non-account profitability information.

In addition, the account profitability information is interest income that borrows the deposits on the savings account and receives interest, or profits from the deposit operation of the savings account, or interest income that borrows the deposits on the savings account and receives the interest, or the savings It is preferable to include at least one or more of the profit from the savings management of the account, or the interest income of the loan on the loan account.

In addition, the non-account profitability information may include at least one or more handling fees for the foreign exchange product transactions, handling fees for derivatives, handling fees for securities, or handling fees for ancillary 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 transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

In this case, the new account profitability information may be used to lend a deposit to the new savings account and receive interest, or a potential operating income from deposit management of the new savings account or a deposit to the new savings account. It is preferable to include at least one or more of potential interest income received interest, potential operating income from the savings management of the new savings account, or potential loan interest income for the new loan account.

Here, the new non-account profitability information may include potential interest income from transaction of foreign exchange products, potential handling fee revenue from derivatives, potential handling fee revenue from securities, or potential handling fee revenue from ancillary services. It is preferable to comprise at least one or more.

According to an embodiment of the present invention, the bank integrated profitability calculation system comprises at least one of the profitability information of the individual customer group, the profitability information of the PB customer group, the profitability information of the special customer group, the profitability information of the corporate customer group Bank integrated profitability calculation server (1000) for calculating integrated profitability information, banks that provide profitability information to the bank integrated profitability calculation server (1000) by calculating profitability by linking profitability information of individual customer groups with the banking system (230) Bank PB customer group profit calculation server that provides profitability information to bank integrated profit calculation server 1000 by calculating profitability by linking profitability information of individual customer group profitability server 200 and PB customer group with banking system 230 (400), profitability information of the special customer group is linked with the banking system 230 to calculate the profitability of the group integrated customer profit Bank special customer group profitability calculation server 600 that provides profitability information to server 1000, profitability information of corporate customer group is linked with banking system 230 to calculate group profitability as server integrated customer profit calculation server 1000. At least one financial transaction (eg, credit, reception) through at least one face-to-face or non-face-to-face financial transaction channel provided at a bank corporate customer group profitability calculation server 800 and a branch (or branch) of a financial institution that provides profitability information. , Currency exchange, foreign currency remittance, financial investment, etc.) is provided with a banking system 230 for providing a service.

The group integrated customer profitability calculation server 1000 may include customer information, profitability information associated with the customer information, bank individual customer group profitability calculation server 200, bank PB customer group profitability calculation server 400, and bank special customer group profitability. Received from the calculation server 600, the bank corporate customer group profitability calculation server 800, it is preferable to check the individual customer group profitability, PB customer group profitability, special customer group profitability, corporate customer group profitability according to the customer information Do,

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

Here, the direct costs are preferably labor costs, labor costs, marketing costs, other goods costs, eastern estate maintenance costs, retirement allowances, depreciation costs, and manufacturing costs.

In addition, the overhead cost is preferably a cost such as personnel expenses, living expenses after salary, eastern estate management activities, financial planning activities.

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

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

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

The group integrated customer profitability calculation server 1000 has a D / B for storing the profitability calculation results for each group, or a separate D / B server and communication network having a D / B for storing the profitability calculation results for each group. It is linked through.

Referring to FIG. 10, the group integrated customer profitability calculation server 1000 receives customer information of an individual customer group and personal customer group profitability information associated with the customer information from the bank individual customer group profitability calculation server 200. Or receiving the customer information of the PB customer group, the PB customer group profitability information associated with the customer information from the bank PB customer group profitability calculation server 400, or the special customer group from the bank special customer group profitability calculation server 600. Receive customer information, special customer group profitability information associated with the customer information, or from the bank corporate customer group profitability calculation server 800 customer information of the enterprise customer group, corporate customer group profitability information associated with the customer information Information receiving unit 1005 (or information receiving means) comprising at least one function for receiving, the bank personal customer group profit calculation Information checking unit 1010 for checking the information received from the server 200, the bank PB customer group profitability calculation server 400, the bank special customer group profitability calculation server 600, the bank corporate customer group profitability calculation server 800 (Or information confirmation means), and the information storage unit 1015 (or information storage means) for storing the confirmed profitability information in the D / B.

According to the exemplary embodiment of the present invention, the information receiving unit 1005 may include customer information, profitability information associated with the customer information, a bank individual customer group profit calculation server 200, a bank PB customer group profit calculation server 400, and a bank special. The customer group profitability calculation server 600 and the bank corporate customer group profitability calculation server 800 are provided to the information checking unit 1010.

According to the exemplary embodiment of the present invention, the information checking unit 1010 checks the individual customer group in the customer information received from the information receiving unit 1005 and the profitability information associated with the customer information, and stores the information storage unit 1015. ) Or check the PB customer group from the customer information received from the information receiving unit 1005, the profitability information associated with the customer information, and provide the PB customer group to the information storage unit 1015, or the information receiving unit The special customer group is identified from the customer information received at 1005 and profitability information associated with the customer information and provided to the information storage unit 1015, or the customer information received at the information receiving unit 1005. In addition, the corporate customer group is identified from the profitability information associated with the customer information and provided to the information storage unit 1015.

According to the method of the present invention, the information storage unit 1015 is a group integrated customer profitability calculation server (profitability information of the individual customer group, PB customer group, special customer group, corporate customer group provided by the information receiving unit 1005 ( 1000 or a separate D / B for storing profitability information of the individual customer group, the PB customer group, the special customer group, or the corporate customer group provided in the D / B provided in the information verification unit 1010. Interworking with D / B server and communication network.

According to the implementation method of the present invention, the bank personal customer group profitability calculation server 200 is provided with ledger information from the ledger D / B in the banking system 230 in connection with the bank system 230, the profitability of the individual customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 2, it is omitted.

According to the implementation method of the present invention, the bank PB customer group profitability calculation server 400 is provided with ledger information from the ledger D / B in the banking system 230 in connection with the bank system 230, the profitability of the PB customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 4, it is omitted.

According to the implementation method of the present invention, the bank special customer group profitability calculation server 600 is provided with ledger information from the ledger D / B in the banking system 230 in connection with the bank system 230, the profitability of the special customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 6, it is omitted.

According to an embodiment of the present invention, the bank corporate customer group profitability calculation server 800 receives the ledger information from the ledger D / B in the banking system 230 in connection with the bank system 230 and the profitability of the corporate customer group. It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 8, it is omitted.

According to the embodiment of the present invention, the banking system 230 is linked to the individual customer group profitability calculation server, PB customer group profitability calculation server, special customer group profitability calculation server, corporate customer group profitability calculation server in connection with the banking system 230 ) Provides the function to provide the ledger information to the individual customer group profitability calculation server, PB customer group profitability calculation server, special customer group profitability calculation server, corporate customer group profitability calculation server in connection with the internal ledger D / B. Since the detailed description of the internal configuration has been described with reference to FIG. 2, it will not be shown.

In addition, the ledger information for the ledger D / B of the banking system 230 has more information than the information shown in the ledger D / B of the banking system 230 shown in Figure 10, but the individual customer group profitability calculation, PB Only the information for customer group profitability calculation, special customer group profitability calculation, corporate customer group profitability calculation is shown.

11 is a flowchart illustrating an operation of a system for checking and storing profitability information of an individual customer group, a PB customer group, a special customer group, and an enterprise customer group according to an exemplary embodiment of the present invention.

In more detail, FIG. 11 shows individual customer group profitability information from D / B of the bank personal customer group profitability calculation server 200 shown in FIG. 2, or the bank PB customer group profitability calculation server 400 shown in FIG. PB customer group profitability information from D / B, or special customer group profitability information from D / B of bank special customer group profitability calculation server 600 shown in FIG. 6, or bank corporate customer shown in FIG. The four groups (individual customer group, PB customer group, and the like) are obtained through the group integrated customer profitability calculation server 1000 shown in FIG. 10 by bringing the corporate customer group profitability information from the D / B of the group profitability calculation server 800. Special customer group, corporate customer group), and the process of storing and registering the identified information in the D / B of the group integrated customer profit calculation server 1000, the present invention belongs to the field barrel Those skilled in the art will be able to infer various implementation methods of the system for calculating bank integration profitability with reference to this drawing 11. However, the present invention is not limited to this drawing 11. Include.

Hereinafter, in FIG. 11, the group integrated customer profit calculation server 1000 illustrated in FIG. 10 is referred to as a “server” for convenience.

Referring to FIG. 11a, the server accesses the bank personal customer group profitability calculation server through a predetermined communication network and provides the server with customer information for profitability calculation and profitability information associated with customer information (1100a). .

In addition, the customer information 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 profitability information preferably comprises at least one or more account profitability information, non-account profitability information, transaction history profitability information, new account profitability information, new non-account profitability information.

In addition, the account profitability information is interest income that borrows the deposits on the savings account and receives interest, or profits from the deposit operation of the savings account, or interest income that borrows the deposits on the savings account and receives the interest, or the savings It is preferable to include at least one or more of the profit from the savings management of the account, or the interest income of the loan on the loan account.

In addition, the non-account profitability information may include at least one or more handling fees for the foreign exchange product transactions, handling fees for derivatives, handling fees for securities, or handling fees for ancillary 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 transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

In this case, the new account profitability information may be used to lend a deposit to the new savings account and receive interest, or a potential operating income from deposit management of the new savings account or a deposit to the new savings account. It is preferable to include at least one or more of potential interest income received interest, potential operating income from the savings management of the new savings account, or potential loan interest income for the new loan account.

Here, the new non-account profitability information may include potential interest income from transaction of foreign exchange products, potential handling fee revenue from derivatives, potential handling fee revenue from securities, or potential handling fee revenue from ancillary services. It is preferable to comprise at least one or more.

Thereafter, the server checks the information corresponding to the individual customer group from the profitability information provided from the bank personal customer group profitability calculation server 200 (1105a).

If information about groups other than the individual customer group is extracted from the account information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 11a, only the part of the individual customer group is processed. (1110a).

Thereafter, the server stores and registers the profitability information of the identified individual customer group in the server D / B (1120a).

Referring to FIG. 11B, the server accesses the bank PB customer group profitability calculation server 400 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (1100b).

In addition, the customer information 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.

The profitability information may include at least one of account profitability information, non-account profitability information, transaction history profitability information, new account profitability information, and new non-account profitability information.

In addition, the account profitability information is interest income that borrows the deposits on the savings account and receives interest, or profits from the deposit operation of the savings account, or interest income that borrows the deposits on the savings account and receives the interest, or the savings It is preferable to include at least one or more of the profit from the savings management of the account, or the interest income of the loan on the loan account.

In addition, the non-account profitability information may include at least one or more handling fees for the foreign exchange product transactions, handling fees for derivatives, handling fees for securities, or handling fees for ancillary 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 transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

In this case, the new account profitability information may be used to lend a deposit to the new savings account and receive interest, or a potential operating income from deposit management of the new savings account or a deposit to the new savings account. It is preferable to include at least one or more of potential interest income received interest, potential operating income from the savings management of the new savings account, or potential loan interest income for the new loan account.

Here, the new non-account profitability information may include potential interest income from transaction of foreign exchange products, potential handling fee revenue from derivatives, potential handling fee revenue from securities, or potential handling fee revenue from ancillary services. It is preferable to comprise at least one or more.

Thereafter, the server checks the information corresponding to the PB customer group from the profitability information provided from the bank PB customer group profitability calculation server 400 (1105b).

If information about groups other than the PB customer group is extracted from the account information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 11B, only the part of the PB customer group is processed. (1110b).

Thereafter, the server stores and registers the profitability information of the identified PB customer group in the server D / B (1120b).

Referring to FIG. 11c, the server accesses the bank special customer group profitability calculation server 600 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (1100c).

In addition, the customer information 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.

The profitability information may include at least one of account profitability information, non-account profitability information, transaction history profitability information, new account profitability information, and new non-account profitability information.

In addition, the account profitability information is interest income that borrows the deposits on the savings account and receives interest, or profits from the deposit operation of the savings account, or interest income that borrows the deposits on the savings account and receives the interest, or the savings It is preferable to include at least one or more of the profit from the savings management of the account, or the interest income of the loan on the loan account.

In addition, the non-account profitability information may include at least one or more handling fees for the foreign exchange product transactions, handling fees for derivatives, handling fees for securities, or handling fees for ancillary 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 transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

In this case, the new account profitability information may be used to lend a deposit to the new savings account and receive interest, or a potential operating income from deposit management of the new savings account or a deposit to the new savings account. It is preferable to include at least one or more of potential interest income received interest, potential operating income from the savings management of the new savings account, or potential loan interest income for the new loan account.

Here, the new non-account profitability information may include potential interest income from transaction of foreign exchange products, potential handling fee revenue from derivatives, potential handling fee revenue from securities, or potential handling fee revenue from ancillary services. It is preferable to comprise at least one or more.

Thereafter, the server checks the information corresponding to the special customer group from the profitability information provided from the bank special customer group profitability calculation server 600 (1105c).

If information about groups other than the special customer group is extracted from the account information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 11c, only the part of the special customer group is processed. (1110c).

Thereafter, the server stores and registers the profitability information of the identified special customer group in the server D / B (1120c).

Referring to FIG. 11D, the server accesses the bank corporate customer group profitability calculation server 800 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (1100d).

In addition, the customer information 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.

The profitability information may include at least one of account profitability information, non-account profitability information, transaction history profitability information, new account profitability information, and new non-account profitability information.

In addition, the account profitability information is interest income that borrows the deposits on the savings account and receives interest, or profits from the deposit operation of the savings account, or interest income that borrows the deposits on the savings account and receives the interest, or the savings It is preferable to include at least one or more of the profit from the savings management of the account, or the interest income of the loan on the loan account.

In addition, the non-account profitability information may include at least one or more handling fees for the foreign exchange product transactions, handling fees for derivatives, handling fees for securities, or handling fees for ancillary 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 transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

In this case, the new account profitability information may be used to lend a deposit to the new savings account and receive interest, or a potential operating income from deposit management of the new savings account or a deposit to the new savings account. It is preferable to include at least one or more of potential interest income received interest, potential operating income from the savings management of the new savings account, or potential loan interest income for the new loan account.

Here, the new non-account profitability information may include potential interest income from transaction of foreign exchange products, potential handling fee revenue from derivatives, potential handling fee revenue from securities, or potential handling fee revenue from ancillary services. It is preferable to comprise at least one or more.

Thereafter, the server checks the information corresponding to the corporate customer group from the profitability information provided from the bank corporate customer group profitability calculation server 800 (1105d).

If information about groups other than the corporate customer group is extracted from the account information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 11d, only the portion of the corporate customer group is processed. (1110d).

Thereafter, the server stores and registers the profitability information of the identified corporate customer group in the server D / B (1120d).

12 illustrates a system configuration for calculating profitability of an individual customer group according to an exemplary embodiment of the present invention.

In more detail, Figure 12 shows customer information (eg, social security number, customer name, etc.), one or more securities product information (eg, securities savings, beneficiary certificates, tax incentives) in order to calculate the profitability of the individual customer group. Savings, Repurchase Agreements (RP), Commercial Paper (CP), Certificate of Deposit (CD), Wrap Account, Bond Fund, Mixed Fund, Box Fund (ETF) Traded Fund), Equity Linked Securites (ELS), Money Market Funds (MMF), etc., or one or more securities derivatives information (e.g., financial futures (e.g., currency futures, Interest rate futures, stock index futures, futures options, etc.) or transaction history information for a period of time associated with the customer information, or one or more new securities product information associated with the customer information, or one linked with the customer information; More than A system for calculating profitability for an individual customer by receiving new securities derivatives information from the securities system 1230, extracting information corresponding to an individual customer group, and checking information on the individual customer group from the extracted information. As an internal configuration of the present invention, those skilled in the art to which the present invention pertains will be able to infer various implementation methods of the system for calculating the profitability of the individual customer group with reference to FIG. Is not limited to this figure 12 and includes all the inferred implementation methods.

Here, the customer information 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 securities product information includes: securities savings, beneficiary certificates, comprehensive tax savings, repurchase agreements (RP), commercial paper (CP), certificate of deposit (CD), Information about accounts with customers such as wrap accounts, bond funds, mixed funds, exchange traded funds (ETF), equity linked securites (ELS) and money market funds (MMF) It is preferable to comprise at least one or more.

In addition, the securities derivatives information preferably comprises at least one securities derivatives information, such as financial futures (eg, currency futures, interest rate futures, stock index futures, futures options, etc.) subscribed to by the customer.

In addition, it is preferable that the financial futures mean currency futures, interest rate futures, stock index futures, futures options, and the like.

In addition, the currency futures preferably means having a forward exchange position that is symmetric with the spot exchange position to hedge the exchange risk.

In addition, it is preferable that the spot exchange means a foreign exchange in which a realistic exchange transaction is made at the same time a sales contract is established.

In addition, it is preferable that the forward exchange means a foreign exchange promised in advance to buy and sell a certain amount of foreign exchange at a certain exchange rate within a certain period of time or in the future.

In addition, it is preferable that the interest rate futures means a commodity used to protect from risks caused by interest rate fluctuations.

In addition, the stock index future is preferably a futures that targets the stock index, which is the price level of all or part of the stock sold in the stock market.

It is also preferred that the futures option mean an option in which the delivery month is standardized in a three month transaction, such as March, June, September, December.

In addition, the option is a call option in which a trading party is entitled to buy and sell a right to sell or buy certain assets at a specific point in time or at a future price at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

In addition, the transaction details information preferably means a handling fee paid by the customer to the securities company for the securities transaction.

Here, the stock trading preferably includes at least one of buying and selling stocks, buying and selling stocks and options, and the like.

According to an embodiment of the present invention, the profitability calculation system of the individual customer group includes profitability calculation for the securities product of the individual customer group, or profitability calculation for the securities derivatives, or profitability calculation for a certain period of transaction of the individual customer group. Profit of individual customer group to calculate profitability of individual customer group including at least one calculation of profitability from joining new securities product or new securities derivatives of individual customer group or new securities derivatives server, branch (or branch) of financial institution A securities system 1230 for providing at least one financial transaction (e.g., buying / selling stocks, buying / selling futures options, etc.) through at least one face-to-face or non-face-to-face financial trading channel. Characterized in that made.

The individual customer group profitability calculation server may include customer information, one or more securities product information associated with the customer information, one or more securities derivatives information associated with the customer information, and transaction history information for a predetermined period associated with the customer information. Verifying the profitability of the individual customer group according to the customer information by extracting one or more new securities product information linked to the customer information or one or more new securities derivatives information linked to the customer information from the securities system 1230. If a person having ordinary knowledge in the field to which the present invention pertains, referring to FIG. 12, the profitability of the individual customer group is required to generate the profit from the profit for the individual customer group. It includes operating profit less the revenue generation expenses of individual customer groups, and the revenue generation expenses The dragon preferably comprises at least one cost, such as direct and indirect costs for the employee who sells to the customer a product containing at least one securities product or securities derivatives.

The direct costs are preferably labor costs, labor costs, marketing costs, other goods costs, maintenance costs, eastern garden maintenance, retirement allowances, depreciation expenses, manufacturing and other expenses.

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 group profitability calculation server includes a D / B for storing the profitability calculation result for each individual customer or a separate D / B server and a communication network having a D / B for storing the profitability calculation result for each individual customer. Interlocked.

Referring to FIG. 12, the personal customer group profitability calculation server is an information receiver 1205 (or information receiver) for receiving information from the ledger D / B in association with the external system 1235 of the securities system 1230. An information extracting unit 1210 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 1215 (or information confirmation) for confirming the information extracted from the ledger D / B. Means), a profitability calculation unit 1220 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 1225 (or information storage means) for storing the profitability calculation information in the D / B. It characterized by comprising a.

Here, the ledger D / B is a D / B provided in the securities system 1230, and the ledger D / B includes customer information, securities product information, securities derivatives information, and transactions necessary for calculating profitability for an individual customer group. It is preferable to include the breakdown information.

According to an embodiment of the present invention, the information receiving unit 1205 may include customer information, one or more securities product information associated with the customer information, or one or more securities derivatives information associated with the customer information, and a schedule associated with the customer information. The information of the securities system 1230 includes at least one transaction history information, one or more new securities product information linked to the customer information, or one or more new securities derivatives information linked to the customer information. The ledger information is received from the ledger D / B in association with the alien 1235 and provided to the information extraction unit 1210.

Here, the ledger information preferably includes customer information, securities product information, securities derivatives information, and transaction history information requested by the securities system 1230 from the individual customer group profitability calculation server in order to calculate profitability for the individual customer group. Do.

According to the exemplary embodiment of the present invention, the information extracting unit 1210 extracts the information on the individual customer from the customer information received from the information receiving unit 1205 and one or more securities product information associated with the customer information. The information confirmation unit 1215 is provided to the identification unit 1215 or the personal information is extracted from the customer information received from the information receiving unit 1205 or one or more securities derivatives information associated with the customer information. Or extract information about an individual customer from the customer information received from the information receiving unit 1205 and transaction history information for a predetermined period associated with the customer information and provide the information to the information confirming unit 1215. Or information about an individual customer from the customer information received from the information receiving unit 1205 or one or more new securities product information associated with the customer information. Export information provided to the information confirmation unit 1215 or extract the information on the individual customer from the customer information received from the information receiving unit 1205, one or more new securities derivatives information associated with the customer information; Provided to the information confirmation unit 1215.

According to the exemplary embodiment of the present invention, the information confirming unit 1215 identifies the individual customer from the information on the individual customer from the customer information extracted from the information extracting unit 1210 and one or more securities product information associated with the customer information. The individual customer from the information on the individual customer in the one or more securities derivatives information associated with the customer information or the customer information extracted from the information extraction unit 1210 or the information extraction unit 1210 The individual customer by providing the profitability calculation unit 1220 or checking the customer information extracted from the information extraction unit 1210 and the transaction history information for a predetermined period associated with the customer information. At least one new increase associated with the customer information or the customer information provided to the profitability calculation unit 1220 or extracted by the information extraction unit 1210. Identify the individual customer in the product information and provide it to the profitability calculation unit 1220 or the customer information extracted from the information extraction unit 1210, the individual customer in one or more new securities derivatives information linked to the customer information Check and provide to the profitability calculation unit 1220.

Here, it is preferable that a certain period means a specific date or a specific period.

The profitability calculation unit 1220 may be a securities product profitability information for the individual customer provided by the information verification unit 1215, or securities derivatives profitability information for the individual customer, or transaction profitability information for the individual customer, or individual customer The individual customer profitability is calculated in connection with the profitability information of the individual customer including at least one new securities product profitability information, or new securities derivatives profit information for the individual customer. Information and profitability information for the individual customer is provided to the information storage unit 1225.

According to the method of the present invention, the securities derivatives profitability information, or transaction profitability information, or new securities product profitability information, or new securities derivatives profitability information includes the securities derivatives profitability including the financial factors corresponding to the ledger Information, or transaction profitability information, or new securities product profitability information, or new securities derivatives profitability information, and securities derivatives profitability information or transaction profitability information that includes non-financial elements other than the ledger, or new securities product profitability information, Or it is preferably made to include at least one new securities derivatives profitability information.

According to the implementation method of the present invention, the profitability calculation unit 1220 is based on the securities product information for the individual customer, the profits from securities savings, the profits from beneficiary certificates, the profits from tax preferential savings, repurchase condition debts Revenue, Receipts from Commercial Papers, Receipts from Transferable Deposit Certificates, Revenues from Wrap Accounts, Revenues from Bond Funds, Revenues from Mixed Funds, Revenues from Box Funds, Shares from Stock-linked Securities, MMFs Profitability information is calculated by including at least one or more profits.

Herein, the securities product profitability information of the securities product information for the individual customer includes the profits from the deposit operation on securities savings, the handling fees by the beneficiary securities, the profits from the deposit operation on comprehensive tax savings, and the repurchase condition debts. Handling charges by the company, handling charges by the company bill, handling charges by the certificate of deposit, handling fees by the wrap account, repurchase fee by the bond fund, handling fee by the bond fund, repurchase fee by the mixed fund, and mixed funds It is preferred to include at least one handling fee, handling fee by box funds, handling fee by stock-linked securities, handling fee by MMF.

In addition, the profitability calculation unit 1220 may be configured to calculate profitability information such as profits from financial futures from securities derivatives information for the individual customer.

Here, it is preferable that the securities derivatives profitability information on the securities derivatives information for the individual customer includes at least one handling fee by currency futures, handling fees by interest rate futures, handling fees by futures options, and the like. .

In addition, the profitability calculation unit 1220 may be configured to calculate profitability information such as profits due to securities transactions.

Here, the transaction history profitability information for the transaction information of the individual customer is preferably made of at least one handling fee by the securities transaction through the call center, handling fees by the securities transaction via the Internet.

In addition, the profitability calculation unit 1220 is the profit of securities savings, profits from beneficiary certificates, profits from comprehensive tax savings, profits from redemption bonds, corporate papers Profitability, including at least one of profits from profits from negotiable deposits, profits from negotiable deposit certificates, profits from wrap accounts, revenues from bond funds, revenues from mixed funds, profits from box funds, profits from stock-linked securities, etc. It is desirable to calculate the information.

Herein, the profitability information of the new securities product of the new securities product information of the individual customer is based on the potential operating income from the securities savings deposit, the potential commission income from the beneficiary securities, the potential operating income from the comprehensive tax preferential savings, and the repurchase agreement. Potential commission income, potential commission income from commercial paper, potential commission income from certificate of deposit, potential commission income from wrap account, potential commission income from bond fund, potential commission income from hybrid fund, box fund It is preferable to include at least one or more of the potential commission income, potential commission income from the stock-linked securities.

In addition, the profitability calculation unit 1220 preferably calculates profitability information, including profits from financial futures, from the new securities derivatives information of the individual customer.

Here, the new securities derivatives profitability information on the new securities derivatives information of the individual customer is the commission income from the currency futures, commission income from interest rate futures, commission income from stock index futures, commission income from futures options, etc. It is preferable to include at least one.

According to the method of the present invention, the information storage unit 1225 stores the profitability information provided by the profitability calculation unit 1220 in the D / B provided in the individual customer group profit calculation server, or the profitability calculation unit 1220 ) Is interlocked with a separate D / B server with a D / B that stores profitability information provided by.

According to an embodiment of the present invention, the securities system 1230 is connected to at least one or more window terminals provided at branches (and / or branch offices) of the securities institution through a predetermined securities network (for example, a branch network). Characterized in that, through the window terminal provides a face-to-face securities trading service for at least one or more securities trading customers.

Further, the securities system 1230 may include at least one securities terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the securities institution, and / or the securities institution. At least one securities terminal at one or more other securities institutions (and / or other securities branch) associated with it, and / or at least one securities terminal in a public place and a predetermined securities network (eg CD Network), and provides a non-face-to-face securities transaction service to at least one or more securities transaction customers through the securities terminal.

In addition, the securities system 1230 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x based) 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 Provides non-face-to-face securities trading services to at least one or more securities trading customers through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function.

In addition, the security system 1230 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a 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. Securities trading non-face-to-face with at least one securities trading customer through 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 security system 1230 is characterized in that associated with a predetermined IC chip-based wireless banking server, and through 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 via at least one wireless terminal (e.g., wireless terminal equipped with a stock 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. Securities Trading provides IC chip-based non-face-to-face securities trading service to customers.

In addition, the securities system 1230 is connected to a predetermined telebanking server, and is connected to a predetermined wired voice telephone network (eg, a 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 securities trading service to at least one or more securities trading customers through a GSM terminal and / or a smart phone.

In addition, the security system 1230 is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Etc.) provides non-face-to-face securities trading services to at least one securities trading customer.

In addition, the security system 1230 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, bidirectional digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) Satellite DMB terminals, terrestrial DMB terminals, etc.) provide non-face-to-face securities trading services to at least one or more securities trading customers.

Referring to FIG. 1, the securities system 1230 is provided to a securities institution to open at least one securities account to at least one securities transaction customer, and to provide at least one securities transaction service based on the securities account. As a computer system, an accounting system (1240) that handles windowing operations such as buying or selling stocks, buying or selling futures options occurring in at least one branch (or window), processing of headquarters operations, branch office information support, and customer information management At least one provided in the information system 1245 and the interconnection between the securities system 1230 and the at least one other securities system 1230 (and / or payment system), and / or at least one external communication network. Non-face-to-face securities trading means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) Access to the securities system 1230, and / or an external system 1235 that provides a variety of securities trading interface through at least one or more common network (eg, CD common network, securities common network) In addition, the securities system 1230 may include an interface module (middleware) 1250 corresponding to a middleware platform that provides inter-component interfacing between the securities system 1230, and components in the securities system 1230. DBMS 1255 (DataBase) comprising at least one database that stores and manages predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in the database. Management system).

In addition, the securities system 1230 is a foreign exchange module (not shown) according to the intention of a person skilled in the art and / or the type of each securities institution in which the securities system 1230 is provided and the purpose and characteristics of the securities system 1230. At least one component such as an investment securities module (not shown) or an international module (not shown) may be further included, and a person having ordinary knowledge in the technical field to which the present invention pertains may include the securities system ( 1230 will be described in detail the technical details, the detailed description thereof will be omitted for convenience, by which the present invention is not limited.

In addition, the ledger information for the ledger D / B of the securities system 1230 has more information than the information shown in the ledger D / B of the securities system 1230 shown in this figure, Only information is shown.

Figure 13 shows the securities product profitability information for the individual customer, the profitability information of the securities derivatives for the individual customer, the transaction profitability information for the individual customer, the new information for the individual customer according to the method of the present invention It shows the operation flow of the system for calculating the profitability of the individual customer made by including at least one or more securities product profitability information, new securities derivatives profitability information for the individual customer.

More specifically, FIG. 13 shows the five conditions of the individual customer group through the individual customer group profitability calculation server shown in FIG. 12 by taking the ledger information from the ledger D / B of the securities system 1230 shown in FIG. Profitability information of securities products for individual customers, profitability information of securities derivatives for individual customers, profitability information of transactions for individual customers, profitability information of new securities products for individual customers, and profitability information of new securities derivatives for individual customers. And a process of storing and registering the calculated profitability information in the D / B of the individual customer group profitability calculation server. If the person having ordinary knowledge in the field to which the present invention belongs, FIG. By referring to the various implementation methods of the system for calculating the profitability of the individual customer group, the present invention is not limited to this figure 13 , It includes all embodiments wherein the method of inference.

Hereinafter, in Figure 13, the individual customer group profitability calculation server shown in Figure 12 is referred to as "server" for convenience.

Referring to FIG. 13A, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1300a).

Here, the ledger information preferably refers to securities product information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities product information, such as securities savings, beneficiary certificates, comprehensive tax savings, repurchase agreements (RP), commercial paper (CP), certificate of deposit (CD) Accounts with clients such as bank accounts, bond accounts, bond funds, mixed funds, exchange traded funds (ETF), equity linked securites (ELS), money market funds and livelihood savings It is preferable to include at least one information about.

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the securities system 1230 (1305a).

If information about groups other than the individual customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. (1310a).

Thereafter, the server checks the profitability information of the securities product corresponding to the individual customer group (1315a), and stores and registers the checked profitability information in the server D / B (1320a).

Herein, the securities product profitability information of the securities product information for the individual customer includes the profits from the deposit operation on securities savings, the handling fees by the beneficiary securities, the profits from the deposit operation on comprehensive tax savings, and the repurchase condition debts. Handling charges by the company, handling charges by the company bill, handling charges by the certificate of deposit, handling fees by the wrap account, repurchase fee by the bond fund, handling fee by the bond fund, repurchase fee by the mixed fund, and mixed funds It is preferred to include at least one handling fee, handling fee by box funds, handling fee by stock-linked securities, handling fee by MMF.

Referring to FIG. 13B, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1300b).

Here, the ledger information preferably refers to securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities derivatives information is preferably made of at least one securities derivatives information, such as financial futures (for example, currency futures, interest rate futures, stock index futures, futures options, etc.) joined by the customer.

In addition, it is preferable that the financial futures mean currency futures, interest rate futures, stock index futures, futures options, and the like.

In addition, the currency futures preferably means having a forward exchange position that is symmetric with the spot exchange position to hedge the exchange risk.

In addition, it is preferable that the spot exchange means a foreign exchange in which a realistic exchange transaction is made at the same time a sales contract is established.

In addition, it is preferable that the forward exchange means a foreign exchange promised in advance to buy and sell a certain amount of foreign exchange at a certain exchange rate within a certain period of time or in the future.

In addition, it is preferable that the interest rate futures means a product that is used to protect from risks caused by interest rate fluctuations.

In addition, the stock index future is preferably a futures that targets the stock index, which is the price level of all or part of the stock sold in the stock market.

It is also preferred that the futures option mean an option in which the delivery month is standardized in a three month transaction, such as March, June, September, December.

In addition, the option is a call option in which a trading party is entitled to buy and sell a right to sell or buy certain assets at a specific point in time or at a future price at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the securities system 1230 (1305b).

If information on groups other than the individual customer group is extracted from the securities derivatives information, the process is referred to according to the other drawings shown in the present invention according to each group, and in FIG. Process 1310b.

Thereafter, the server checks the profitability information of the securities derivatives corresponding to the individual customer group (1315b), and stores and registers the confirmed profitability information in the server D / B (1320b).

Here, the non-account profitability information of the securities derivatives information of the individual customer is at least a handling fee for the foreign exchange product transaction, a handling fee for derivatives, a handling fee for securities, or a handling fee for ancillary services. It is preferable to include one or more.

Referring to FIG. 13C, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1300c).

Here, the ledger information preferably refers to transaction information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 transaction details information preferably means a handling fee paid by the customer to the securities company for the securities transaction.

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the securities system 1230 (1305c).

If information on groups other than the individual customer group is extracted from the securities derivatives information, the process is referred to according to the other drawings shown in the present invention according to each group, and in FIG. Process 1310c.

Thereafter, the server checks the profitability information of the transaction history corresponding to the individual customer group (1315c), and stores and registers the checked profitability information in the server D / B (1320c).

In addition, the transaction details information preferably means a handling fee paid by the customer to the securities company for the securities transaction.

Here, the stock trading preferably includes at least one of buying and selling stocks, buying and selling stocks and options, and the like.

Referring to FIG. 13D, the server accesses the securities system 1230 through a predetermined communication network and requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1300d).

Here, the ledger information preferably refers to customer information and new securities product information associated with customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities product information includes: securities savings, beneficiary certificates, comprehensive tax savings, repurchase agreements (RP), commercial paper (CP), certificate of deposit (CD), Information about accounts with customers such as wrap accounts, bond funds, mixed funds, exchange traded funds (ETF), equity linked securites (ELS) and money market funds (MMF) It is preferable to comprise at least one or more.

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the securities system 1230 (1305d).

If information about groups other than the individual customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group. (1310d).

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (1315d), and stores and registers the checked profitability information in the server D / B (1320d).

Herein, the new securities product profitability information of the new securities product information of the individual customer is based on potential operating profits from securities savings deposits, potential commission incomes from beneficiary securities, potential operating profits from comprehensive tax savings, and repurchase agreements. Potential commission income, potential commission income from commercial paper, potential commission income from certificate of deposit, potential commission income from wrap account, potential commission income from bond fund, potential commission income from hybrid fund, box fund It is preferable to include at least one or more of the potential commission income, potential commission income from the stock-linked securities.

Referring to FIG. 13E, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1300e).

Here, the ledger information preferably refers to new securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities derivatives information is preferably made of at least one securities derivatives information, such as financial futures (for example, currency futures, interest rate futures, stock index futures, futures options, etc.) joined by the customer.

In addition, it is preferable that the financial futures mean currency futures, interest rate futures, stock index futures, futures options, and the like.

In addition, the currency futures preferably means having a forward exchange position that is symmetric with the spot exchange position to hedge the exchange risk.

In addition, it is preferable that the spot exchange means a foreign exchange in which a realistic exchange transaction is made at the same time a sales contract is established.

In addition, it is preferable that the forward exchange means a foreign exchange promised in advance to buy and sell a certain amount of foreign exchange at a certain exchange rate within a certain period of time or in the future.

In addition, it is preferable that the interest rate futures means a commodity used to protect from risks caused by interest rate fluctuations.

In addition, the stock index future is preferably a futures that targets the stock index, which is the price level of all or part of the stock sold in the stock market.

It is also preferred that the futures option mean an option in which the delivery month is standardized in a three month transaction, such as March, June, September, December.

In addition, the option is a call option in which a trading party is entitled to buy and sell a right to sell or buy certain assets at a specific point in time or at a future price at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the securities system 1230 (1305e).

If information about groups other than the individual customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 13E, only the portion of the individual customer group is processed. (1310e).

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (1315e), and stores and registers the checked profitability information in the server D / B (1320e).

Here, the new securities derivatives profitability information for the new securities derivatives information of the individual customer

It is preferable to include at least one of the fee income from the currency futures, the fee income from interest rate futures, the fee income from stock index futures, the fee income from futures options, and the like.

Figure 14 shows a system configuration for calculating the profitability of the PB customer group according to the embodiment of the present invention.

More specifically, Figure 14 shows customer information (e.g., social security number, customer name, etc.), one or more securities product information (e.g., securities savings, beneficiary certificates, tax breaks) for calculating profitability of the PB customer group. Total Savings, Repurchase Agreements (RP), Commercial Paper (CP), Certificate of Deposit (CD), Wrap Account, Bond Fund, Mixed Fund, Box Fund (ETF) Exchange Traded Fund), Stock Linked Securites (ELS), Money Market Funds (MMF), etc., or one or more securities derivatives information associated with the customer information (e.g., financial futures (e.g., currency futures). , Interest rate futures, stock index futures, futures options, etc.) or transaction history information for a period of time associated with the customer information, or one or more new securities product information associated with the customer information, or one linked with the customer information. More than A system for calculating profitability for a PB customer by receiving securities derivatives information from the securities system 1230, extracting information corresponding to a PB customer group, checking information on the PB customer group from the extracted information As shown in the internal configuration of the present invention, those skilled in the art to which the present invention belongs, with reference to this figure 14 will be able to infer various implementation methods of the system for calculating the profitability of the PB customer group, the present invention Is not limited to this figure 14 and includes all the inferred implementation methods.

Here, the customer information 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 securities product information includes: securities savings, beneficiary certificates, comprehensive tax savings, repurchase agreements (RP), commercial paper (CP), certificate of deposit (CD), Information about accounts with customers such as wrap accounts, bond funds, mixed funds, exchange traded funds (ETF), equity linked securites (ELS) and money market funds (MMF) It is preferable to comprise at least one or more.

In addition, the securities derivatives information is preferably made of at least one securities derivatives information, such as financial futures (for example, currency futures, interest rate futures, stock index futures, futures options, etc.) joined by the customer.

In addition, it is preferable that the financial futures mean currency futures, interest rate futures, stock index futures, futures options, and the like.

In addition, the currency futures preferably means having a forward exchange position that is symmetric with the spot exchange position to hedge the exchange risk.

In addition, it is preferable that the spot exchange means a foreign exchange in which a realistic exchange transaction is made at the same time a sales contract is established.

In addition, it is preferable that the forward exchange means a foreign exchange promised in advance to buy and sell a certain amount of foreign exchange at a certain exchange rate within a certain period of time or in the future.

In addition, it is preferable that the interest rate futures means a commodity used to protect from risks caused by interest rate fluctuations.

In addition, the stock index future is preferably a futures that targets the stock index, which is the price level of all or part of the stock sold in the stock market.

It is also preferred that the futures option mean an option in which the delivery month is standardized in a three month transaction, such as March, June, September, December.

In addition, the option is a call option in which a trading party is entitled to buy and sell a right to sell or buy certain assets at a specific point in time or at a future price at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

In addition, the transaction details information preferably means a handling fee paid by the customer to the securities company for the securities transaction.

Here, the stock trading preferably includes at least one of buying and selling stocks, buying and selling stocks and options, and the like.

According to an embodiment of the present invention, the profitability calculation system of the PB customer group includes profitability calculation for the securities product of the PB customer group, profitability calculation for the securities derivatives, or profitability calculation for a certain period of transaction of the PB customer group. PB customer group profitability calculation server, branch of a financial institution (or branch) for calculating the profitability of a PB customer group that includes at least one or more profitability calculations when a PB customer group joins a new securities product or a new securities derivative. And a securities system 1230 for providing at least one financial transaction (eg, buying / selling stocks, buying / selling futures options, etc.) through at least one face-to-face or non-face-to-face financial trading channel. It features.

The PB customer group profitability calculation server may include customer information, one or more securities product information associated with the customer information, one or more securities derivatives information associated with the customer information, and transaction history information for a predetermined period associated with the customer information. Verifying the profitability of the PB customer group according to the customer information by extracting one or more new securities product information linked to the customer information or one or more new securities derivatives information linked to the customer information from the securities system 1230. In this case, referring to FIG. 14, the profitability of the PB customer group is calculated by subtracting the revenue generation cost of the PB customer group from the revenue for the PB customer group. It is made, including, the revenue generation cost is at least a securities product or securities derivatives that the customer subscribed The cost of 351.411 of the regulations for the staff to sell products that contain more than the customer is 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 PB customer group profitability calculation server may include a D / B for storing profitability calculation results for each PB customer or a separate D / B server having a D / B for storing profitability calculation results for each PB customer. Interlocked.

Referring to FIG. 14, the PB customer group profitability calculation server is an information receiver 1405 (or information receiving means) for receiving information from the ledger D / B in association with the external system 1235 of the securities system 1230. An information extracting unit 1410 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 1415 (or information checking) for confirming the information extracted from the ledger D / B. Means), a profitability calculation unit 1420 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 1425 (or information storage means) for storing the profitability calculation information in the D / B. It characterized by comprising a.

Here, the ledger D / B is a D / B provided in the securities system 1230, and the ledger D / B includes customer information, securities product information, securities derivatives information, and transaction details necessary for profitability calculation for the PB customer group. It is preferable to include information.

According to an embodiment of the present invention, the information receiving unit 1405 may include customer information, one or more securities product information associated with the customer information, or one or more securities derivatives information associated with the customer information, and a schedule associated with the customer information. The information of the securities system 1230 includes at least one transaction history information, one or more new securities product information linked to the customer information, or one or more new securities derivatives information linked to the customer information. The ledger information is received from the ledger D / B in association with the alien 1235 and provided to the information extraction unit 1410.

Here, the ledger information preferably includes customer information, securities product information, securities derivatives information, and transaction history information requested from the PB customer group profitability calculation server to the securities system 1230 to calculate profitability for the PB customer group. Do.

According to the exemplary embodiment of the present invention, the information extracting unit 1410 extracts information about the PB customer from the customer information received from the information receiving unit 1405 and one or more securities product information associated with the customer information. The information confirmation unit 1415 extracts information about the PB customer from the customer information received from the information receiving unit 1405 or one or more securities derivatives information associated with the customer information. Or the PB customer is extracted from the customer information received from the information receiving unit 1405 and transaction history information for a predetermined period associated with the customer information and provided to the information checking unit 1415. Or extracting information on the PB customer from the customer information received from the information receiving unit 1405 or one or more new securities product information associated with the customer information. The information verification unit may be provided to the information confirmation unit 1415 or the PB customer may be extracted from the customer information received from the information receiving unit 1405 or one or more new securities derivatives information associated with the customer information. Provided as (1415).

According to the exemplary embodiment of the present invention, the information confirming unit 1415 identifies the PB customer from the information on the PB customer in the customer information extracted from the information extracting unit 1410 and one or more securities product information associated with the customer information. The PB customer from the information on the PB customer in the one or more securities derivatives information linked to the customer information or the customer information extracted from the information extraction unit 1410 or provided to the profitability calculator 1420. The PB customer from the information on the customer information extracted from the information extraction unit 1410 or the transaction history information for a predetermined period associated with the customer information. Providing to the profitability calculation unit of 1420 or from the customer information extracted by the information extraction unit 1410, at least one new securities product information associated with the customer information Identify PB customers and provide them to the profitability calculator 1420 or PB customers from the customer information extracted from the information extraction unit 1410 or one or more new securities derivatives information linked to the customer information. The profitability calculation unit 1420 is provided.

Here, it is preferable that a certain period means a specific date or a specific period.

The profitability calculation unit 1420 may include the securities product profitability information for the PB customer, the securities derivatives profit information for the PB customer, or the transaction profitability information for the PB customer, or the PB customer provided by the information checking unit 1415. Calculating the PB customer profitability in connection with the profitability information for the PB customer including at least one new securities product profitability information for the PB customer or new securities derivatives profit information for the PB customer. Information, and profitability information of the PB customer is provided to the information storage unit 1425.

According to the method of the present invention, the securities derivatives profitability information, or transaction profitability information, or new securities product profitability information, or new securities derivatives profitability information includes the securities derivatives profitability including the financial factors corresponding to the ledger Information, or transaction profitability information, or new securities product profitability information, or new securities derivatives profitability information, and securities derivatives profitability information or transaction profitability information that includes non-financial elements other than the ledger, or new securities product profitability information, Or it is preferably made to include at least one new securities derivatives profitability information.

According to the implementation method of the present invention, the profitability calculation unit 1420 is based on the securities product information for the PB customers, the profits from securities savings, the profits from beneficiary certificates, the profits from tax preferential savings, repurchase condition debts Revenue, Receipts from Commercial Papers, Receipts from Transferable Deposit Certificates, Revenues from Wrap Accounts, Revenues from Bond Funds, Revenues from Mixed Funds, Revenues from Box Funds, Shares from Stock-linked Securities, MMFs Profitability information is calculated by including at least one or more profits.

Herein, the securities product profitability information of the securities product information for the PB customers includes the profits from the deposit operation on securities savings, the handling fees by the beneficiary securities, the profits from the deposit operation on comprehensive tax savings, and the repurchase agreements. Handling charges by the company, handling charges by the company bill, handling charges by the certificate of deposit, handling fees by the wrap account, repayment fee by the bond fund, handling fee by the bond fund, repurchase fee by the mixed fund, and mixed funds It is preferred to include at least one handling fee, handling fee by box funds, handling fee by stock-linked securities, handling fee by MMF.

In addition, the profitability calculation unit 1420 may be configured to calculate profitability information such as profits from financial futures from securities derivatives information for the PB customer.

Here, it is preferable that the securities derivatives profitability information of the securities derivatives information for the PB customer includes at least one handling fee by currency futures, handling fees by interest rate futures, handling fees by futures options, and the like. .

In addition, the profitability calculation unit 1420 may be configured to calculate profitability information such as profits due to securities transactions.

Here, the transaction history profitability information of the transaction history information of the PB customer preferably comprises at least one of handling fees by securities transactions through the call center, handling fees by securities transactions via the Internet.

In addition, the profitability calculation unit 1420, the profits from securities savings, profits from beneficiary certificates, profits from comprehensive tax savings, profits from redemption bonds, corporate papers Profitability, including at least one of profits from profits from negotiable deposits, profits from negotiable deposit certificates, profits from wrap accounts, revenues from bond funds, revenues from mixed funds, profits from box funds, profits from stock-linked securities, etc. It is desirable to calculate the information.

Here, the new securities product profitability information of the new securities product information of the PB customer is based on potential operating profits from securities savings deposits, potential commission incomes from beneficiary securities, potential operating incomes from comprehensive tax savings, and repurchase agreements. Potential commission income, potential commission income from commercial paper, potential commission income from certificate of deposit, potential commission income from wrap account, potential commission income from bond fund, potential commission income from hybrid fund, box fund It is preferable to include at least one or more of potential commission income, potential commission income from stock-linked securities.

In addition, the profitability calculation unit 1420 preferably calculates profitability information, including profits from financial futures, from securities derivatives information newly registered by the PB customer.

Here, the new securities derivatives profitability information for the new securities derivatives information of the PB customer

It is preferable to include at least one of the fee income from the currency futures, the fee income from interest rate futures, the fee income from stock index futures, the fee income from futures options, and the like.

According to the exemplary embodiment of the present invention, the information storage unit 1425 stores the profitability information provided by the profitability calculation unit 1420 in a D / B provided in the PB customer group profitability calculation server, or the profitability calculation unit 1420. It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in the).

According to an embodiment of the present invention, the securities system 1230 provides ledger information to the PB customer group profitability calculation server in connection with the ledger D / B in the securities system 1230 in connection with the PB customer group profitability calculation server. It provides a function for, and detailed description of the internal configuration has been described with reference to Figure 12, it will be omitted.

In addition, the ledger information for the ledger D / B of the securities system 1230 has more information than the information shown in the ledger D / B of the securities system 1230 shown in Figure 14, but for calculating the profitability of the PB customer group Only information is shown.

Fig. 15 shows the securities product profitability information for PB customers, the securities derivatives for PB customers, the transaction profitability information for PB customers, and the profitability of PB customers according to the method of the present invention. The operation flow of the system for calculating profitability of PB customers including at least one of new securities product profitability information and new securities derivatives profit information of PB customers is shown.

More specifically, Figure 15 shows the ledger information from the ledger D / B of the securities system 1230 shown in Figure 12, and the five conditions of the PB customer group through the PB customer group profitability calculation server shown in Figure 14 Profitability information of securities products for PB customers, profitability information of securities derivatives for PB customers, profitability information of transactions for PB customers, profitability information of new securities products for PB customers, and profitability information of new securities derivatives for PB customers. And a process of storing and registering the calculated profitability information in the D / B of the PB customer group profitability calculation server. If a person having ordinary knowledge in the field to which the present invention belongs, FIG. Although various implementation methods of a system for calculating profitability of a PB customer group may be inferred, the present invention is not limited to the drawing 15. It includes a method.

Hereinafter, in FIG. 15, the PB customer group profitability calculation server shown in FIG. 14 is referred to as a "server" for convenience.

Referring to FIG. 15A, the server accesses the securities system 1230 through a predetermined communication network and requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1500a).

Here, the ledger information preferably refers to securities product information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities product information, such as securities savings, beneficiary certificates, comprehensive tax savings, repurchase agreements (RP), commercial paper (CP), certificate of deposit (CD) Accounts with clients such as bank accounts, bond accounts, bond funds, mixed funds, exchange traded funds (ETF), equity linked securites (ELS), money market funds and livelihood savings It is preferable to include at least one information about.

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the securities system 1230 (1505a).

If information about groups other than the PB customer group is extracted from the securities product information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 15A, only the portion of the PB customer group is processed. 1510a.

Thereafter, the server checks the profitability information of the securities product corresponding to the PB customer group (1515a), and stores and registers the confirmed profitability information in the server D / B (1520a).

Herein, the securities product profitability information of the securities product information for the PB customers includes the profits from the deposit operation on securities savings, the handling fees by the beneficiary securities, the profits from the deposit operation on comprehensive tax savings, and the repurchase agreements. Handling charges by the company, handling charges by the company bill, handling charges by the certificate of deposit, handling fees by the wrap account, repurchase fee by the bond fund, handling fee by the bond fund, repurchase fee by the mixed fund, and mixed funds It is preferred to include at least one handling fee, handling fee by box funds, handling fee by stock-linked securities, handling fee by MMF.

Referring to FIG. 15B, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide the ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1500b).

Here, the ledger information preferably refers to securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities derivatives information is preferably made of at least one securities derivatives information, such as financial futures (for example, currency futures, interest rate futures, stock index futures, futures options, etc.) joined by the customer.

In addition, it is preferable that the financial futures mean currency futures, interest rate futures, stock index futures, futures options, and the like.

In addition, the currency futures preferably means having a forward exchange position that is symmetric with the spot exchange position to hedge the exchange risk.

In addition, it is preferable that the spot exchange means a foreign exchange in which a realistic exchange transaction is made at the same time as the sale contract is established.

In addition, it is preferable that the forward exchange means a foreign exchange promised in advance to buy and sell a certain amount of foreign exchange at a certain exchange rate within a certain period of time or in the future.

In addition, it is preferable that the interest rate futures means a commodity used to protect from risks caused by interest rate fluctuations.

In addition, the stock index future is preferably a futures that targets the stock index, which is the price level of all or part of the stock sold in the stock market.

It is also preferred that the futures option mean an option in which the delivery month is standardized in a three month transaction, such as March, June, September, December.

In addition, the option is a call option in which a trading party is entitled to buy and sell a right to sell or buy certain assets at a specific point in time or at a future price at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the securities system 1230 (1505b).

If information on groups other than the PB customer group is extracted from the securities derivatives information, the process is referred to according to the other drawings shown in the present invention according to each group. Process 1510b.

Thereafter, the server checks the securities derivatives profitability information corresponding to the PB customer group (1515b), and stores and registers the confirmed profitability information in the server D / B (1520b).

Here, the non-account profitability information of the securities derivatives information of the PB customer includes at least the handling fees for the foreign exchange transaction, the handling fees for the derivatives, the handling fees for the securities, or the handling fees for the incidental services. It is preferable to include one or more.

Referring to FIG. 15c, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1500c).

Here, the ledger information preferably refers to transaction information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 transaction details information preferably means a handling fee paid by the customer to the securities company for the securities transaction.

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the security system 1230 (1505c).

If information on groups other than the PB customer group is extracted from the securities derivatives information, processing is performed with reference to the other drawings shown in the present invention according to each group. Process 1510c.

Thereafter, the server checks the profitability information of the transaction history corresponding to the PB customer group (1515c), and stores and registers the confirmed profitability information in the server D / B (1520c).

In addition, the transaction details information preferably means a fee for taking a payment paid by the customer to the securities company for the securities transaction.

Here, the stock trading preferably includes at least one of buying and selling stocks, buying and selling stocks and options, and the like.

Referring to FIG. 15D, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1500d).

Here, the ledger information preferably refers to customer information and new securities product information associated with customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities product information includes: securities savings, beneficiary certificates, comprehensive tax savings, repurchase agreements (RP), commercial paper (CP), certificate of deposit (CD), Information about accounts with customers such as wrap accounts, bond funds, mixed funds, exchange traded funds (ETF), equity linked securites (ELS), and money market funds (MMF) It is preferable to comprise at least one or more.

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the security system 1230 (1505d).

If information about groups other than the PB customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 15D, only the portion of the PB customer group is processed. (1510d).

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (1515d), and stores and registers the confirmed profitability information in the server D / B (1520d).

Here, the new securities product profitability information of the new securities product information of the PB customer is based on potential operating profits from securities savings deposits, potential commission incomes from beneficiary securities, potential operating incomes from comprehensive tax savings, and repurchase agreements. Potential commission income, potential commission income from commercial paper, potential commission income from certificate of deposit, potential commission income from wrap account, potential commission income from bond fund, potential commission income from hybrid fund, box fund It is desirable to include at least one of potential commission income and potential commission income from share price-linked securities.

Referring to FIG. 15E, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1500e).

Here, the ledger information preferably refers to new securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities derivatives information is preferably made of at least one securities derivatives information, such as financial futures (for example, currency futures, interest rate futures, stock index futures, futures options, etc.) joined by the customer.

In addition, it is preferable that the financial futures mean currency futures, interest rate futures, stock index futures, futures options, and the like.

In addition, the currency futures preferably means having a forward exchange position that is symmetric with the spot exchange position to hedge the exchange risk.

In addition, it is preferable that the spot exchange means a foreign exchange in which a realistic exchange transaction is made at the same time a sales contract is established.

In addition, it is preferable that the forward exchange means a foreign exchange promised in advance to buy and sell a certain amount of foreign exchange at a certain exchange rate within a certain period of time or in the future.

In addition, it is preferable that the interest rate futures means a commodity used to protect from risks caused by interest rate fluctuations.

In addition, the stock index future is preferably a futures that targets the stock index, which is the price level of all or part of the stock sold in the stock market.

It is also preferred that the futures option mean an option in which the delivery month is standardized in a three month transaction, such as March, June, September, December.

In addition, the option is a call option in which a trading party is entitled to buy and sell a right to sell or buy certain assets at a specific point in time or at a future price at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the securities system 1230 (1505e).

If information about groups other than the PB customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 15E, only the portion of the PB customer group is processed. (1510e).

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (1515e), and stores and registers the confirmed profitability information in the server D / B (1520e).

Here, the new securities derivatives profitability information for the new securities derivatives information of the PB customer

It is preferable to include at least one fee income from the currency futures, fee income from interest rate futures, fee income from stock index futures, fee income from futures options, and the like.

Figure 16 shows a system configuration for calculating the profitability of the special customer group according to the embodiment of the present invention.

In more detail, Figure 16 shows customer information (eg, social security number, customer name, etc.), one or more securities product information (eg, securities savings, beneficiary certificates, tax benefits) for calculating profitability of the special customer group. Savings, Repurchase Agreements (RP), Commercial Paper (CP), Certificate of Deposit (CD), Wrap Account, Bond Fund, Mixed Fund, Box Fund (ETF) Traded Fund), Equity Linked Securites (ELS), Money Market Funds (MMF), etc., or one or more securities derivatives information (e.g., financial futures (e.g., currency futures, Interest rate futures, stock index futures, futures options, etc.) or transaction history information for a period of time associated with the customer information, or one or more new securities product information associated with the customer information, or one or more associated with the customer information. A system for calculating profitability for a special customer by receiving new securities derivatives information from the securities system 1230, extracting information corresponding to a special customer group, and checking information on the special customer group from the extracted information. As an internal configuration of the present invention, those skilled in the art to which the present invention pertains will be able to infer various implementation methods of the system for calculating the profitability of the special customer group with reference to FIG. Is not limited to this figure 16 and includes all the inferred implementation methods.

Here, the customer information 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 securities product information includes: securities savings, beneficiary certificates, comprehensive tax savings, repurchase agreements (RP), commercial paper (CP), certificate of deposit (CD), Information about accounts with customers such as wrap accounts, bond funds, mixed funds, exchange traded funds (ETF), equity linked securites (ELS) and money market funds (MMF) It is preferable to comprise at least one or more.

In addition, the securities derivatives information is preferably made of at least one securities derivatives information, such as financial futures (for example, currency futures, interest rate futures, stock index futures, futures options, etc.) joined by the customer.

In addition, it is preferable that the financial futures mean currency futures, interest rate futures, stock index futures, futures options, and the like.

In addition, the currency futures preferably means having a forward exchange position that is symmetric with the spot exchange position to hedge the exchange risk.

In addition, it is preferable that the spot exchange means a foreign exchange in which a realistic exchange transaction is made at the same time a sales contract is established.

In addition, it is preferable that the forward exchange means a foreign exchange promised in advance to buy and sell a certain amount of foreign exchange at a certain exchange rate within a certain period of time or in the future.

In addition, it is preferable that the interest rate futures means a commodity used to protect from risks caused by interest rate fluctuations.

In addition, the stock index future is preferably a futures that targets the stock index, which is the price level of all or part of the stock sold in the stock market.

It is also preferred that the futures option mean an option in which the delivery month is standardized in a three month transaction, such as March, June, September, December.

In addition, the option is a call option in which a trading party is entitled to buy and sell a right to sell or buy certain assets at a predetermined point in time or at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

In addition, the transaction details information preferably means a handling fee paid by the customer to the securities company for the securities transaction.

Here, the stock trading preferably includes at least one of buying and selling stocks, buying and selling stocks and options, and the like.

According to the implementation method of the present invention, the profitability calculation system of the special customer group includes the profitability calculation for the securities product of the special customer group, or the profitability calculation for the securities derivatives, or the profitability calculation for a certain period of transaction of the special customer group. Calculate profitability of special customer group to calculate profitability of special customer group, which includes at least one calculation of profitability from joining new securities product or new securities derivatives of special customer group, or branch (or branch) of financial institution And a securities system 1230 for providing at least one financial transaction (eg, buying / selling stocks, buying / selling futures options, etc.) through at least one face-to-face or non-face-to-face financial trading channel. It features.

The special customer group profitability calculation server may include customer information, one or more securities product information associated with the customer information, one or more securities derivatives information associated with the customer information, and transaction history information for a predetermined period associated with the customer information. Verifying the profitability of the special customer group according to the customer information by extracting one or more new securities product information linked to the customer information or one or more new securities derivatives information linked to the customer information from the securities system 1230. The method may be advantageous. Referring to FIG. 14, the profitability of the special customer group is calculated by subtracting the profit generation cost of the special customer group from the profit for the special customer group. Including the, the revenue generation costs are securities products or securities derivatives to which the customer subscribed It is preferable to include at least one or more costs, such as direct costs and indirect costs for the staff to sell products to the customer containing 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 special customer group profitability calculation server includes a D / B for storing the profitability calculation result for each special customer or a separate D / B server and a communication network having a D / B for saving the profitability calculation result for each special customer. Interlocked.

Referring to FIG. 16, the special customer group profitability calculation server is an information receiving unit 1605 (or information receiving means) for receiving information from the ledger D / B in association with the external system 1235 of the securities system 1230. An information extraction unit 1610 (or information extraction means) for extracting necessary information from the information received from the ledger D / B, and an information confirmation unit 1615 (or information confirmation) for confirming the information extracted from the ledger D / B. Means), a profitability calculation unit 1620 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 1625 (or information storage means) for storing the profitability calculation information in the D / B. It characterized by comprising a.

Here, the ledger D / B is a D / B provided in the securities system 1230, and the ledger D / B includes customer information, securities product information, securities derivatives information, and transaction details necessary to calculate profitability for a special customer group. It is preferable to include information.

According to an embodiment of the present invention, the information receiving unit 1605 may include customer information, one or more securities product information associated with the customer information, or one or more securities derivatives information associated with the customer information, and a schedule associated with the customer information. The information of the securities system 1230 includes at least one transaction history information, one or more new securities product information linked to the customer information, or one or more new securities derivatives information linked to the customer information. The ledger information is received from the ledger D / B in association with the alien 1235 and provided to the information extraction unit 1610.

Here, the ledger information preferably includes customer information, securities product information, securities derivatives information, and transaction history information requested by the securities system 1230 from the special customer group profitability calculation server in order to calculate profitability for the special customer group. Do.

According to the exemplary embodiment of the present invention, the information extracting unit 1610 extracts the information on the special customer from the customer information received from the information receiving unit 1605 and one or more securities product information associated with the customer information, and the information. The information checking unit 1615 is provided to the checking unit 1615 or extracts information on a special customer from the customer information received from the information receiving unit 1605, one or more securities derivatives information associated with the customer information. Or extract information about the special customer from the customer information received from the information receiving unit 1605 and the transaction history information for a predetermined period associated with the customer information and provide it to the information checking unit 1615. Or, the information on the special customer from the customer information received from the information receiving unit 1605, at least one new securities product information associated with the customer information is added. Export information provided to the information checking unit 1615 or the customer information received from the information receiving unit 1605 and one or more new securities derivatives information associated with the customer information to extract information about a special customer. Provided to the information confirmation unit 1615.

According to the exemplary embodiment of the present invention, the information checking unit 1615 identifies the special customer in the customer information extracted from the information extracting unit 1610 and information on the special customer in one or more securities product information associated with the customer information. The special customer from the information on the special customer in the one or more securities derivatives information linked to the customer information or the customer information extracted from the information extracting unit 1610 or provided to the profitability calculator 1620 By providing to the profitability calculation unit 1620 or the customer information extracted by the information extraction unit 1610, the special customer is confirmed by checking the information on the transaction history information for a certain period associated with the customer information At least one new increase associated with the customer information or the customer information provided to the profitability calculation unit 1620 or extracted from the information extraction unit 1610. Identify the special customer in the product information and provide it to the profitability calculation unit 1620, or the special customer in the customer information extracted from the information extraction unit 1610, one or more new securities derivatives information associated with the customer information Check and provide to the profitability calculation unit 1620.

Here, it is preferable that a certain period means a specific date or a specific period.

The profitability calculation unit 1620 may include the securities product profitability information for the special customer, the securities derivatives profit information for the special customer, or the transaction profitability information for the special customer, or the special customer provided by the information checking unit 1615. The special customer profitability is calculated by linking the profitability information of the new securities product for the special customer, or the profitability information of the special customer including at least one new securities derivatives profit information of the special customer. Information, and profitability information for the special customer is provided to the information storage unit 1625.

According to the method of the present invention, the securities derivatives profitability information, or transaction profitability information, or new securities product profitability information, or new securities derivatives profitability information includes the securities derivatives profitability including the financial factors corresponding to the ledger Information, or transaction profitability information, or new securities product profitability information, or new securities derivatives profitability information, and securities derivatives profitability information or transaction profitability information that includes non-financial elements other than the ledger, or new securities product profitability information, Or it is preferably made to include at least one new securities derivatives profitability information.

According to the implementation method of the present invention, the profitability calculation unit 1620 is based on the securities product information for the special customer, the profits from securities savings, the profits from beneficiary certificates, the profits from tax preferential savings, repurchase condition debts Revenue, Receipts from Commercial Papers, Receipts from Transferable Deposit Certificates, Revenues from Wrap Accounts, Revenues from Bond Funds, Revenue from Mixed Funds, Revenue from Box Funds, Revenue from Stock-linked Securities, MMF Profitability information is calculated by including at least one or more profits.

Herein, the securities product profitability information of the securities product information for the special customer includes profits from the deposit operation on securities savings, handling fees from the beneficiary securities, profits from the deposit operation on comprehensive tax savings, and redemption conditions. Handling charges by the company, handling charges by the company bill, handling charges by the certificate of deposit, handling fees by the wrap account, repurchase fee by the bond fund, handling fee by the bond fund, repurchase fee by the mixed fund, and mixed funds It is preferred to include at least one handling fee, handling fee by box funds, handling fee by stock-linked securities, handling fee by MMF.

In addition, the profitability calculation unit 1620 may calculate profitability information, such as profits from financial futures, from the securities derivatives information for the special customer.

Here, the securities derivatives profitability information on the securities derivatives information for the special customer is preferably made of at least one handling fee by currency futures, handling fees by interest rate futures, handling fees by futures options, and the like. .

In addition, the profitability calculation unit 1620 is characterized in that to calculate the profitability information, such as profits by securities trading.

Here, the transaction history profitability information for the transaction history information of the special customer is preferably made of at least one handling fee by the securities transaction through the call center, handling fees by the securities transaction via the Internet.

In addition, the profitability calculation unit 1620 is the profit of securities savings, profits from beneficiary certificates, profits from comprehensive tax savings, profits from redemption bonds, commercial papers Profitability, including at least one of profits from profits from negotiable deposits, profits from negotiable deposit certificates, profits from wrap accounts, revenues from bond funds, revenues from mixed funds, profits from box funds, profits from stock-linked securities, etc. It is desirable to calculate the information.

Herein, the new securities product profitability information of the new customer's new securities product information includes potential operating profits from securities savings deposits, potential commission incomes from beneficiary certificates, potential operating incomes from comprehensive tax savings, and repurchase agreements. Potential fee income, potential fee income from commercial paper, potential fee income from certificate of deposit, potential fee income from wrap account, potential fee income from bond fund, potential fee income from hybrid fund, box fund It is desirable to include at least one of potential commission income and potential commission income from share price-linked securities.

In addition, the profitability calculation unit 1620 preferably calculates profitability information, including profits from financial futures, from the newly registered securities derivatives information of the special customer.

Here, the new securities derivatives profitability information for the new securities derivatives information of the special customer

It is preferable to include at least one of the fee income from the currency futures, the fee income from interest rate futures, the fee income from stock index futures, the fee income from futures options, and the like.

According to an embodiment of the present invention, the information storage unit 1625 stores the profitability information provided by the profitability calculation unit 1620 in the D / B provided in the special customer group profitability calculation server, or the profitability calculation unit 1620 It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in the).

According to the implementation method of the present invention, the securities system 1230 is linked to the special customer group profitability calculation server and linked the ledger information to the special customer group profitability calculation server in the securities system 1230. It provides a function to provide, and since the detailed description of the internal configuration has been described with reference to Figure 12, it is omitted.

In addition, the ledger information for the ledger D / B of the securities system 1230 has more information than the information shown in the ledger D / B of the securities system 1230 shown in Figure 16, but for calculating the profitability of the special customer group Only information is shown.

Figure 17 shows the securities product profitability information for special customers, profits of securities derivatives for special customers, transaction profitability information for special customers, new customers for special customers according to the method of the present invention It shows the operation flow of the system for calculating the profitability of the special customer made by including at least one of the securities product profitability information, new securities derivatives profitability information for the special customer.

In more detail, Figure 17 shows the ledger information from the ledger D / B of the securities system 1230 shown in Figure 12 and the five conditions of the special customer group through the special customer group profitability calculation server shown in Figure 16 Profitability information on special products, securities derivatives on special customers, transaction profitability on special customers, profitability information on new securities products on special customers, and profitability information on new securities derivatives on special customers. About the process of calculating the profitability information for the information, and storing the calculated profitability information in the D / B of the special customer group profitability calculation server, and having ordinary knowledge in the field to which the present invention belongs, With reference to the various implementation methods of the system for calculating the profitability of the special customer group can be inferred, but the present invention is not limited to this figure 17 , It includes all embodiments wherein the method of inference.

Hereinafter, in Figure 17, the special customer group profitability calculation server shown in Figure 16 is referred to as "server" for convenience.

Referring to FIG. 17A, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1700a).

Here, the ledger information preferably refers to securities product information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities product information, such as securities savings, beneficiary certificates, comprehensive tax savings, repurchase agreements (RP), commercial paper (CP), certificate of deposit (CD) ), Wrap accounts, bond funds, mixed funds, Exchange Traded Fund (ETF), Equity Linked Securites (ELS), Money Market Funds (MMF), livelihood savings, etc. It is preferable to include at least one information about the account.

Thereafter, the server extracts information corresponding to the special customer group from the ledger information provided from the security system 1230 (1705a).

If information about groups other than the special customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in this figure 17a, only the part of the special customer group is processed. (1710a).

Thereafter, the server checks the profitability information of the securities product corresponding to the special customer group (1715a), and stores and registers the checked profitability information in the server D / B (1720a).

Herein, the securities product profitability information of the securities product information for the special customer includes profits from the deposit operation on securities savings, handling fees from the beneficiary securities, profits from the deposit operation on comprehensive tax savings, and redemption conditions. Handling fees by bonds, handling fees by commercial paper bills, handling fees for certificates of deposit, take-up fees by wrap accounts, repurchase fees by bond funds, handling fees by bond funds, repurchase fees by mixed funds, mixed funds It is preferable to include at least one handling fee by, a handling fee by a box fund, a handling fee by a stock-linked securities, a handling fee by an MMF, and the like.

Referring to FIG. 17B, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1700b).

Here, the ledger information preferably refers to securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities derivatives information is preferably made of at least one securities derivatives information, such as financial futures (for example, currency futures, interest rate futures, stock index futures, futures options, etc.) joined by the customer.

In addition, it is preferable that the financial futures mean currency futures, interest rate futures, stock index futures, futures options, and the like.

In addition, the currency futures preferably means having a forward exchange position that is symmetric with the spot exchange position to hedge the exchange risk.

In addition, it is preferable that the spot exchange means a foreign exchange in which a realistic exchange transaction is made at the same time a sales contract is established.

In addition, it is preferable that the forward exchange means a foreign exchange promised in advance to buy and sell a certain amount of foreign exchange at a certain exchange rate within a certain period of time or in the future.

In addition, it is preferable that the interest rate futures means a commodity used to protect from risks caused by interest rate fluctuations.

In addition, the stock index future is preferably a futures that targets the stock index, which is the price level of all or part of the stock sold in the stock market.

It is also preferred that the futures option mean an option in which the delivery month is standardized in a three month transaction, such as March, June, September, December.

In addition, the option is a call option in which a trading party is entitled to buy and sell a right to sell or buy certain assets at a specific point in time or at a future price at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

Thereafter, the server extracts information corresponding to the special customer group from the ledger information provided from the securities system 1230 (1705b).

If information on groups other than the special customer group is extracted from the securities derivatives information, the respective processes are referred to according to the other drawings shown in the present invention according to each group, and in FIG. Process (1710b).

Thereafter, the server checks the profitability information of the securities derivatives corresponding to the special customer group (1715b), and stores and registers the confirmed profitability information in the server D / B (1720b).

In this case, the non-account profitability information of the securities derivatives information of the special customer includes at least the handling fee for the foreign exchange product transaction, the handling fee for the derivatives, the handling fee for the securities, or the handling fee for the ancillary service. It is preferable to include one or more.

Referring to FIG. 17C, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1700c).

Here, the ledger information preferably refers to transaction information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 transaction details information preferably means a handling fee paid by the customer to the securities company for the securities transaction.

Thereafter, the server extracts information corresponding to the special customer group from the ledger information provided from the security system 1230 (1705c).

If information on groups other than the special customer group is extracted from the securities derivatives information, the respective processes are referred to according to the other drawings shown in the present invention according to each group, and in FIG. Process (1710c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the special customer group (1715c), and stores and registers the checked profitability information in the server D / B (1720c).

In addition, the transaction details information preferably means a handling fee paid by the customer to the securities company for the securities transaction.

Here, the stock trading preferably includes at least one of buying and selling stocks, buying and selling stocks and options, and the like.

Referring to FIG. 17D, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1700d).

Here, the ledger information preferably refers to customer information and new securities product information associated with customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities product information includes: securities savings, beneficiary certificates, comprehensive tax savings, repurchase agreements (RP), commercial paper (CP), certificate of deposit (CD), Information about accounts with customers such as wrap accounts, bond funds, mixed funds, exchange traded funds (ETF), equity linked securites (ELS) and money market funds (MMF) It is preferable to comprise at least one or more.

Thereafter, the server extracts information corresponding to the special customer group from the ledger information provided from the security system 1230 (1705d).

If the information on the group other than the special customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 17d, only the part of the special customer group is processed. (1710d).

Thereafter, the server checks the profitability information of the account corresponding to the special customer group (1715d), and stores and registers the checked profitability information in the server D / B (1720d).

Herein, the new securities product profitability information of the new customer's new securities product information includes potential operating profits from securities savings deposits, potential commission incomes from beneficiary certificates, potential operating incomes from comprehensive tax savings, and repurchase agreements. Potential commission income, potential commission income from commercial paper, potential commission income from certificate of deposit, potential commission income from wrap account, potential commission income from bond fund, potential commission income from hybrid fund, box fund It is preferable to include at least one or more of the potential commission income, potential commission income from the stock-linked securities.

Referring to FIG. 17E, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide the ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1700e).

Here, the ledger information preferably refers to new securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities derivatives information is preferably made of at least one securities derivatives information, such as financial futures (for example, currency futures, interest rate futures, stock index futures, futures options, etc.) joined by the customer.

In addition, it is preferable that the financial futures mean currency futures, interest rate futures, stock index futures, futures options, and the like.

In addition, the currency futures preferably means having a forward exchange position that is symmetric with the spot exchange position to hedge the exchange risk.

In addition, it is preferable that the spot exchange means a foreign exchange in which a realistic exchange transaction is made at the same time a sales contract is established.

In addition, it is preferable that the forward exchange means a foreign exchange promised in advance to buy and sell a certain amount of foreign exchange at a certain exchange rate within a certain period of time or in the future.

In addition, it is preferable that the interest rate futures means a commodity used to protect from risks caused by interest rate fluctuations.

In addition, the stock index future is preferably a futures that targets the stock index, which is the price level of all or part of the stock sold in the stock market.

It is also preferred that the futures option mean an option in which the delivery month is standardized in a three month transaction, such as March, June, September, December.

In addition, the option is a call option in which a trading party is entitled to buy and sell a right to sell or buy certain assets at a specific point in time or at a future price at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

Thereafter, the server extracts information corresponding to the special customer group from the ledger information provided from the securities system 1230 (1705e).

If information about groups other than the special customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 17E, only the part of the special customer group is processed. (1710e).

Thereafter, the server checks the profitability information of the account corresponding to the special customer group (1715e), and stores and registers the checked profitability information in the server D / B (1720e).

Here, the new securities derivatives profitability information for the new securities derivatives information of the special customer

It is preferable to include at least one of the fee income from the currency futures, the fee income from interest rate futures, the fee income from stock index futures, the fee income from futures options, and the like.

Figure 18 shows the system configuration for calculating the profitability of the corporate customer group according to the embodiment of the present invention.

In more detail, Figure 18 shows customer information (e.g. social security number, customer name, etc.), one or more securities product information (e.g., securities savings, beneficiary certificates, tax benefits) Savings, Repurchase Agreements (RP), Commercial Paper (CP), Certificate of Deposit (CD), Wrap Account, Bond Fund, Mixed Fund, Box Fund (ETF) Traded Fund), Stock Linked Securites (ELS), Money Market Funds (MMF), etc., or one or more securities derivatives information (e.g., financial futures (e.g., currency futures, Interest rate futures, stock index futures, futures options, etc.) or transaction history information for a period of time associated with the customer information, or one or more new securities product information associated with the customer information, or one or more associated with the customer information. A system for calculating profitability for a corporate customer by receiving new securities derivatives information from the securities system 1230, extracting information corresponding to a corporate customer group, and confirming information on the corporate customer group from the extracted information. As the internal configuration of the present invention, those skilled in the art to which the present invention pertains will be able to infer various implementation methods of the system for calculating the profitability of the corporate customer group with reference to this drawing 18. Is not limited to this figure 18 and includes all the inferred implementation methods.

Here, the customer information 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 securities product information includes: securities savings, beneficiary certificates, comprehensive tax savings, repurchase agreements (RP), commercial paper (CP), certificate of deposit (CD), Information about accounts with customers such as wrap accounts, bond funds, mixed funds, exchange traded funds (ETF), equity linked securites (ELS) and money market funds (MMF) It is preferable to include at least one.

In addition, the securities derivatives information is preferably made of at least one securities derivatives information, such as financial futures (for example, currency futures, interest rate futures, stock index futures, futures options, etc.) joined by the customer.

In addition, it is preferable that the financial futures mean currency futures, interest rate futures, stock index futures, futures options, and the like.

In addition, the currency futures preferably means having a forward exchange position that is symmetric with the spot exchange position to hedge the exchange risk.

In addition, it is preferable that the spot exchange means a foreign exchange in which a realistic exchange transaction is made at the same time a sales contract is established.

In addition, it is preferable that the forward exchange means a foreign exchange promised in advance to buy and sell a certain amount of foreign exchange at a certain exchange rate within a certain period of time or in the future.

In addition, it is preferable that the interest rate futures means a commodity used to protect from risks caused by interest rate fluctuations.

In addition, the stock index future is preferably a futures that targets the stock index, which is the price level of all or part of the stock sold in the stock market.

It is also preferred that the futures option mean an option in which the delivery month is standardized in a three month transaction, such as March, June, September, December.

In addition, the option is a call option in which a trading party is entitled to buy and sell a right to sell or buy certain assets at a specific point in time or at a future price at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

In addition, the transaction details information preferably means a handling fee paid by the customer to the securities company for the securities transaction.

Here, the stock trading preferably includes at least one of buying and selling stocks, buying and selling stocks and options, and the like.

According to the implementation method of the present invention, the profitability calculation system of the corporate customer group is a profitability calculation for the securities products of the enterprise customer group, or a profitability calculation for the securities derivatives, or a certain period of transaction of the enterprise customer group Corporate customer group profitability calculation server or financial institution branch (or branch office) for calculating the profitability of the corporate customer group comprising at least one calculation or the profitability of joining a new securities product or new securities derivatives of the corporate customer group A securities system 1230 for providing at least one financial transaction (eg, buying / selling stocks, buying / selling futures options, etc.) through at least one face-to-face or non-face-to-face financial trading channel. It is characterized by.

The corporate customer group profitability calculation server may include customer information, one or more securities product information associated with the customer information, one or more securities derivatives information associated with the customer information, and transaction history information for a predetermined period associated with the customer information. Verifying the profitability of the corporate customer group according to the customer information by extracting one or more new securities product information linked to the customer information or one or more new securities derivatives information linked to the customer information from the securities system 1230. In this case, referring to FIG. 16, the profitability of the corporate customer group is calculated by subtracting the profit for the corporate customer group from the profit for the corporate customer group by subtracting the profit generation cost of the corporate customer group. Including the, the revenue generation costs are securities products or securities derivatives to which the customer subscribed It is preferable to include at least one or more costs, such as direct costs and indirect costs for the staff to sell products to the customer containing 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 corporate customer group profitability calculation server may include a D / B for storing profitability calculation results for each corporate customer, or a separate D / B server and communication network having a D / B for storing profitability calculation results for each window customer. Interlocked.

Referring to FIG. 18, the corporate customer group profitability calculation server includes an information receiver 1805 (or information receiving means) for receiving information from the ledger D / B in association with the external system 1235 of the securities system 1230. An information extraction unit 1810 (or information extraction means) for extracting necessary information from the information received from the ledger D / B, and an information confirmation unit 1815 (or information confirmation) for confirming the information extracted from the ledger D / B. Means), a profitability calculation unit 1820 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 1825 (or information storage means) for storing the profitability calculation information in the D / B. It characterized by comprising a.

Here, the ledger D / B is a D / B provided in the securities system 1230, and the ledger D / B includes customer information, securities product information, securities derivatives information, and transaction details necessary for calculating profitability for the corporate customer group. It is preferable to include information.

According to an embodiment of the present invention, the information receiving unit 1805 may include customer information, one or more securities product information associated with the customer information, or one or more securities derivatives information associated with the customer information, and a schedule associated with the customer information. The information of the securities system 1230 includes at least one transaction history information, one or more new securities product information linked to the customer information, or one or more new securities derivatives information linked to the customer information. The ledger information is received from the ledger D / B in association with the alien 1235 and provided to the information extraction unit 1810.

Here, the ledger information preferably includes customer information, securities product information, securities derivatives information, and transaction history information requested by the securities system 1230 from the corporate customer group profitability calculation server in order to calculate profitability for the corporate customer group. Do.

According to the exemplary embodiment of the present invention, the information extracting unit 1810 extracts information on a corporate customer from the customer information received from the information receiving unit 1805 and one or more securities product information associated with the customer information. The information checking unit 1815 is provided to the identification unit 1815 or the information about the corporate customer is extracted from the customer information received from the information receiving unit 1805 and one or more securities derivatives information associated with the customer information. Or extracts information about a corporate customer from the customer information received from the information receiving unit 1805 and transaction history information for a predetermined period associated with the customer information and provides the information to the information checking unit 1815. Or information about an enterprise customer from the customer information received from the information receiving unit 1805 or one or more new security product information associated with the customer information. Export information provided to the information checking unit 1815 or the customer information received from the information receiving unit 1805, one or more new securities derivatives information associated with the customer information, and extracting information about a corporate customer. Provided to the information confirmation unit 1815.

According to an embodiment of the present invention, the information confirming unit 1815 identifies the corporate customer in the information on the corporate customer in the one or more securities product information associated with the customer information extracted from the information extracting unit 1810 and the customer information. The corporate customer from the information on the corporate customer from the one or more securities derivatives information associated with the customer information or the customer information extracted from the information extractor 1810 or provided to the profitability calculator 1820 The corporate customer by checking the customer information provided in the profitability calculation unit 1820 or the customer information extracted by the information extraction unit 1810 and transaction history information for a predetermined period associated with the customer information. At least one new increase associated with the customer information or the customer information provided to the profitability calculation unit 1820 or extracted from the information extraction unit 1810. The corporate customer is identified from the product information and provided to the profitability calculator 1820 or the customer information extracted from the information extraction unit 1810 or one or more new securities derivatives information linked to the customer information. Check and provide to the profitability calculation unit 1820.

Here, it is preferable that a certain period means a specific date or a specific period.

The profitability calculation unit 1820 may be a securities product profitability information for a corporate customer, or a securities derivatives profit information for a corporate customer, or a transaction profitability information for a corporate customer provided by the information verification unit 1815. Calculating the corporate customer profitability by linking the profitability information of the new securities product with respect to the corporate customer including at least one new securities product profitability information with respect to the new securities derivatives with respect to the corporate customer. Information and profitability information for the corporate customer is provided to the information storage unit 1825.

According to the method of the present invention, the securities derivatives profitability information, or transaction profitability information, or new securities product profitability information, or new securities derivatives profitability information includes the securities derivatives profitability including the financial factors corresponding to the ledger Information, or transaction profitability information, or new securities product profitability information, or new securities derivatives profitability information, and securities derivatives profitability information or transaction profitability information that includes non-financial elements other than the ledger, or profitability information of new securities products, Or it is preferably made to include at least one new securities derivatives profitability information.

According to the implementation method of the present invention, the profitability calculation unit 1820 is based on the securities product information for the corporate customer, the profits from securities savings, the profits from beneficiary certificates, the profits from tax preferential savings, repurchase terms Revenue, Receipts from Commercial Papers, Receipts from Transferable Deposit Certificates, Revenues from Wrap Accounts, Revenues from Bond Funds, Revenues from Mixed Funds, Revenues from Box Funds, Shares from Stock-linked Securities, MMFs Profitability information is calculated by including at least one or more profits.

Herein, the securities product profitability information of the securities product information for the corporate customer includes the profits from the deposit operation for securities savings, the handling fees by the beneficiary securities, the profits from the deposit operation for comprehensive tax savings, and the repurchase condition debts. Handling charges by the company, handling charges by the company bill, handling charges by the certificate of deposit, handling fees by the wrap account, repurchase fee by the bond fund, handling fee by the bond fund, repurchase fee by the mixed fund, and mixed funds It is preferred to include at least one handling fee, handling fee by box funds, handling fee by stock-linked securities, handling fee by MMF.

In addition, the profitability calculation unit 1820 may calculate profitability information such as profits from financial futures from securities derivatives information for the corporate customer.

Here, it is preferable that the securities derivatives profitability information on the securities derivatives information for the corporate customer includes at least one handling fee by currency futures, handling fees by interest rate futures, handling fees by futures options, and the like. .

In addition, the profitability calculation unit 1820 may be configured to calculate profitability information such as profits due to securities transactions.

Here, the transaction history profitability information of the transaction information of the corporate customer is preferably made of at least one handling fee by the securities transaction through the call center, handling fees by the securities transaction via the Internet.

In addition, the profitability calculation unit 1820 is the profit of the securities savings, the profits from the beneficiary certificates, the profits from the tax preferential savings, the profits from repurchased debt, the corporate bill Including at least one of profits from profits from negotiable deposits, profits from negotiable deposit certificates, income from wrap accounts, income from bond funds, income from mixed funds, income from box funds, income from stock-linked securities, etc. It is desirable to calculate profitability information.

Herein, the profitability information of the new securities product of the new securities product information of the corporate client is based on the potential operating income from the securities savings deposit, the potential commission income from the beneficiary securities, the potential operating income from the comprehensive tax preferential savings, and the repurchase agreement. Potential commission income, potential commission income from commercial paper, potential commission income from certificate of deposit, potential commission income from wrap account, potential commission income from bond fund, potential commission income from hybrid fund, box fund It is preferable to include at least one or more of the potential commission income, potential commission income from the stock-linked securities.

In addition, the profitability calculation unit 1820 may calculate profitability information, including profits from financial futures, from new corporate securities derivatives information.

Here, the new securities derivatives profitability information for the new customer securities derivatives information

It is preferable to include at least one of the fee income from the currency futures, the fee income from interest rate futures, the fee income from stock index futures, the fee income from futures options, and the like.

According to the method of the present invention, the information storage unit 1825 stores the profitability information provided by the profitability calculation unit 1820 in the D / B provided in the corporate customer group profitability calculation server, or the profitability calculation unit 1820 It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in the).

According to the implementation method of the present invention, the securities system 1230 provides the ledger information to the corporate customer group profitability calculation server in connection with the ledger D / B in the securities system 1230 in connection with the corporate customer group profitability calculation server. It provides a function for, and detailed description of the internal configuration has been described with reference to Figure 12, it will be omitted.

In addition, the ledger information for the ledger D / B of the securities system 1230 has more information than the information shown in the ledger D / B of the securities system 1230 shown in Figure 18, but for calculating the corporate customer group profitability Only information is shown.

Figure 19 shows the securities product profitability information for the enterprise customer, the securities derivatives profit information for the enterprise customer, the transaction profitability information for the enterprise customer, the new profit for the enterprise customer according to the implementation method of the present invention It shows the operation flow of the system for calculating the profitability of the corporate customer made by including at least one or more of the securities product profitability information, new securities derivatives profitability information for the corporate customer.

In more detail, FIG. 19 shows the five conditions of the corporate customer group through the corporate customer group profitability calculation server shown in FIG. 18 by taking the ledger information from the ledger D / B of the securities system 1230 shown in FIG. Information on profitability of securities products for corporate customers, profitability information of securities derivatives for corporate customers, profitability information of transactions for corporate customers, profitability information of new securities products for corporate customers, and profitability information of new securities derivatives for corporate customers. And a process of storing and registering the calculated profitability information in the D / B of the corporate customer group profitability calculation server, and a person having ordinary knowledge in the field to which the present invention belongs, By referring to the various implementation methods of the system for calculating the profitability of the corporate customer group, the present invention is not limited to this figure 19 And all implementation methods inferred above.

Hereinafter, in Figure 19, the corporate customer group profitability calculation server shown in Figure 18 is referred to as "server" for convenience.

Referring to FIG. 19A, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide the ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1900a).

Here, the ledger information preferably refers to securities product information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities product information, such as securities savings, beneficiary certificates, comprehensive tax savings, repurchase agreements (RP), commercial paper (CP), certificate of deposit (CD) Accounts with clients such as bank accounts, bond accounts, bond funds, mixed funds, exchange traded funds (ETF), equity linked securites (ELS), money market funds and livelihood savings It is preferable to include at least one information about.

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the securities system 1230 (1905a).

If information about groups other than the corporate customer group is extracted from the securities product information, processing is performed by referring to other drawings shown in the present invention according to each group, and in this figure 19a, only a portion of the corporate customer group is processed. (1910a).

Thereafter, the server checks the profitability information of the securities product corresponding to the corporate customer group (1915a), and stores and registers the checked profitability information in the server D / B (1920a).

Herein, the securities product profitability information of the securities product information for the corporate customer includes the profits from the deposit operation for securities savings, the handling fees by the beneficiary securities, the profits from the deposit operation for comprehensive tax savings, and the repurchase condition debts. Handling charges by the company, handling charges by the company bill, handling charges by the certificate of deposit, handling fees by the wrap account, repurchase fee by the bond fund, handling fee by the bond fund, repurchase fee by the mixed fund, and mixed funds It is preferred to include at least one handling fee, handling fee by box funds, handling fee by stock-linked securities, handling fee by MMF.

Referring to FIG. 19B, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1900b).

Here, the ledger information preferably refers to securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities derivatives information is preferably made of at least one securities derivatives information, such as financial futures (for example, currency futures, interest rate futures, stock index futures, futures options, etc.) joined by the customer.

In addition, it is preferable that the financial futures mean currency futures, interest rate futures, stock index futures, futures options, and the like.

In addition, the currency futures preferably means having a forward exchange position that is symmetric with the spot exchange position to hedge the exchange risk.

In addition, it is preferable that the spot exchange means a foreign exchange in which a realistic exchange transaction is made at the same time a sales contract is established.

In addition, it is preferable that the forward exchange means a foreign exchange promised in advance to buy and sell a certain amount of foreign exchange at a certain exchange rate within a certain period of time or in the future.

In addition, it is preferable that the interest rate futures means a commodity used to protect from risks caused by interest rate fluctuations.

In addition, the stock index future is preferably a futures that targets the stock index, which is the price level of all or part of the stock sold in the stock market.

It is also preferred that the futures option mean an option in which the delivery month is standardized in a three month transaction, such as March, June, September, December.

In addition, the option is a call option in which a trading party is entitled to buy and sell a right to sell or buy certain assets at a specific point in time or at a future price at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the security system 1230 (1905b).

If the information on the group other than the corporate customer group is extracted from the securities derivatives information, it is processed according to each group with reference to the other drawings shown in the present invention. Process (1910b).

Thereafter, the server checks the profitability information of the securities derivatives corresponding to the corporate customer group (1915b), and stores and registers the confirmed profitability information in the server D / B (1920b).

Here, the non-account profitability information of the securities derivatives information of the corporate customer is at least a handling fee for the foreign exchange product transaction, a handling fee for derivatives, a handling fee for securities, or a handling fee for ancillary services. It is preferable to include one or more.

Referring to FIG. 19c, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1900c).

Here, the ledger information preferably refers to transaction information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 transaction details information preferably means a handling fee paid by the customer to the securities company for the securities transaction.

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the securities system 1230 (1905c).

If information on groups other than the corporate customer group is extracted from the securities derivatives information, processing is performed by referring to other drawings shown in the present invention according to each group. Process (1910c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the corporate customer group (1915c), and stores and registers the checked profitability information in the server D / B (1920c).

In addition, the transaction details information preferably means a handling fee paid by the customer to the securities company for the securities transaction.

Here, the stock trading preferably includes at least one of buying and selling stocks, buying and selling stocks and options, and the like.

Referring to FIG. 19D, the server accesses the securities system 1230 through a predetermined communication network, requests the server to provide ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1900d).

Here, the ledger information preferably refers to customer information and new securities product information associated with customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities product information includes: securities savings, beneficiary certificates, comprehensive tax savings, repurchase agreements (RP), commercial paper (CP), certificate of deposit (CD), Information about accounts with customers such as wrap accounts, bond funds, mixed funds, exchange traded funds (ETF), equity linked securites (ELS) and money market funds (MMF) It is preferable to comprise at least one or more.

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the security system 1230 (1905d).

If the information on the group other than the corporate customer group is extracted from the securities product information, processing is performed with reference to the other drawings shown in the present invention according to each group. (1910d).

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (1915d), and stores and registers the checked profitability information in the server D / B (1920d).

Herein, the profitability information of the new securities product of the new securities product information of the corporate client is based on the potential operating income from the securities savings deposit, the potential commission income from the beneficiary securities, the potential operating income from the comprehensive tax preferential savings, and the repurchase agreement. Potential commission income, potential commission income from commercial paper, potential commission income from certificate of deposit, potential commission income from wrap account, potential commission income from bond fund, potential commission income from hybrid fund, box fund It is preferable to include at least one or more of the potential commission income, potential commission income from the stock-linked securities.

Referring to FIG. 19E, the server accesses the securities system 1230 through a predetermined communication network and requests the server to provide the ledger information of the securities system 1230 ledger D / B for the profitability calculation. In response, the security system 1230 provides the ledger information of the ledger D / B to the server (1900e).

Here, the ledger information preferably refers to new securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 1230.

In addition, the customer information 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 securities derivatives information is preferably made of at least one securities derivatives information, such as financial futures (for example, currency futures, interest rate futures, stock index futures, futures options, etc.) joined by the customer.

In addition, it is preferable that the financial futures mean currency futures, interest rate futures, stock index futures, futures options, and the like.

In addition, the currency futures preferably means having a forward exchange position that is symmetric with the spot exchange position to hedge the exchange risk.

In addition, it is preferable that the spot exchange means a foreign exchange in which a realistic exchange transaction is made at the same time a sales contract is established.

In addition, it is preferable that the forward exchange means a foreign exchange promised in advance to buy and sell a certain amount of foreign exchange at a certain exchange rate within a certain period of time or in the future.

In addition, it is preferable that the interest rate futures means a commodity used to protect from risks caused by interest rate fluctuations.

In addition, the stock index future is preferably a futures that targets the stock index, which is the price level of all or part of the stock sold in the stock market.

It is also preferred that the futures option mean an option in which the delivery month is standardized in a three month transaction, such as March, June, September, December.

In addition, the option is a call option in which a trading party is entitled to buy and sell a right to sell or buy certain assets at a specific point in time or at a future price at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the securities system 1230 (1905e).

If information about groups other than the corporate customer group is extracted from the securities product information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in this figure 19e, only the portion of the corporate customer group is processed. (1910e).

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (1915e), and stores and registers the checked profitability information in the server D / B (1920e).

Here, the new securities derivatives profitability information for the new customer securities derivatives information

It is preferable to include at least one of the fee income from the currency futures, the fee income from interest rate futures, the fee income from stock index futures, the fee income from futures options, and the like.

20 is a securities individual customer group profitability calculation server 1200, securities PB customer group profitability calculation server 1400, securities special customer group profitability calculation server 1600, securities corporate customer group profitability calculation server 1 illustrates a system configuration for storing validity and valid profitability information received from profitability information.

In more detail, Figure 20 shows the individual customer group, PB customer group, special customer group, corporate customer group customer information (eg, social security number, customer name, etc.), profitability information associated with the customer information, securities individual customer group profitability calculation Server 1200, Securities PB Customer Group Profitability Calculation Server (1400), Securities Special Customer Group Profitability Calculation Server (1600), Securities Corporate Customer Group Profitability Calculation Server (1800) The internal structure of the system for confirming the validity of the profitability information, the special customer group profitability information, the corporate customer group profitability information, and storing and registering the validated profitability information is shown. Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of securities integration with reference to the drawing 20, but the present invention Not limited to the figure 20, it comprises all of the embodiments how the inference.

Here, the customer information 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 profitability information may include at least one or more securities product profitability information, securities derivatives profitability information, transaction history profitability information, new securities product profitability information, new securities derivatives profitability information.

In this case, the profitability information of the securities product includes: income from deposit management for securities savings, handling fees from beneficiary securities, revenue from deposit management for comprehensive tax savings, and handling fees under repurchase agreements (RP); , Handling fees by CP (Commercial Paper), handling fees by CD (Certificate of Deposit), handling fees by wrap account, repurchase fee by bond fund, and handling by bond fund Fees, repurchase fees by mixed funds, handling fees by mixed funds, handling fees by Exchange Traded Fund (ETF), handling fees by Equity Linked Securites (ELS), MMF ( It is preferable to include at least one handling fee or the like according to Money Market Funds.

In addition, the profitability information of the securities derivatives may preferably include at least one handling fee by currency futures, handling fee by interest rate futures, handling fee by futures options, and the like.

Here, it is preferable that the currency futures has a forward exchange position that is symmetrical with the spot exchange position to hedge the exchange risk.

In addition, it is preferable that the spot exchange means a foreign exchange in which a realistic exchange transaction is made at the same time a sales contract is established.

In addition, it is preferable that the forward exchange means a foreign exchange promised in advance to buy and sell a certain amount of foreign exchange at a certain exchange rate within a certain period of time or in the future.

In addition, it is preferable that the interest rate futures means a commodity used to protect from risks caused by interest rate fluctuations.

It is also preferred that the futures option mean an option in which the delivery month is standardized in a three month transaction, such as March, June, September, December.

In addition, the option is a call option in which a trading party is entitled to buy and sell a right to sell or buy certain assets at a specific point in time or at a future price at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

In addition, the transaction history profitability information preferably comprises at least one or more handling fees by securities transactions through the call center, handling fees by securities transactions via the Internet.

In addition, the profitability information of the new securities products includes potential operating income from securities savings deposits, potential commission income from beneficiary certificates, potential operating income from comprehensive tax savings, potential commission income from repurchase agreements, and potential commercial bills. Commission income, potential commission revenue from negotiable deposit certificates, potential commission revenue from wrap accounts, potential commission revenue from bond funds, potential commission revenue from hybrid funds, potential commission revenue from box funds, and equity-linked securities It is preferable to include at least one or more potential commission income.

In addition, the profitability information of the new securities derivatives preferably includes at least one fee income from the currency futures, fee income from interest rate futures, fee income from stock index futures, fee income from futures options, and the like. .

According to the implementation method of the present invention, the securities integrated profitability calculation system comprises at least one of the profitability information of the individual customer group, the profitability information of the PB customer group, the profitability information of the special customer group, the profitability information of the corporate customer group Securities integrated customer profit calculation server (2000) to calculate integrated profitability information, profitability information is provided to the securities integrated customer profit calculation server (2000) by calculating profitability by linking profitability information of individual customer groups with the securities system (1230). Securities PB Customer Group that provides profitability information to the Securities Integrated Customer Profitability Calculation Server (2000) by calculating profitability by linking the profitability information server 1200 and PB customer group profitability information with the securities system 1230. Profitability calculation server 1400, special customer group profitability information in conjunction with the securities system 1230 to calculate profitability Securities special customer group profitability calculation server 1600 that provides profitability information to the sum customer profit calculation server (2000), securities integration customer profit calculation server by calculating profitability by linking profitability information of the corporate customer group with the securities system (1230) Securities corporate customer group profitability calculation server (1800) providing profitability information to (2000) at least one or more financial transactions (e.g., at least one face-to-face or non-face-to-face financial transaction channels provided in branches (or branches) of financial institutions) , Credit, receiving, currency exchange, foreign exchange transfer, financial investment, etc.) is characterized in that it comprises a security system 1230 for providing a service.

The securities integrated customer profit calculation server 2000 may include customer information, profitability information associated with the customer information, securities individual customer group profit calculation server 1200, securities PB customer group profit calculation server 1400, and securities special customer group profitability. It is preferable to receive the calculation server 1600 and the securities corporate customer group profitability calculation server 1800 to check individual customer group profitability, PB customer group profitability, special customer group profitability, and corporate customer group profitability according to the customer information. Do.

In addition, the profitability of the individual customer group is made from the profit for the personal customer group, including the operating profit minus the revenue generation cost of the personal customer group required for the generation of the revenue, the cost of the revenue generation It is preferable that the customer comprises at least one or more of the costs, such as direct and indirect costs for the employee to sell to the customer a product containing at least one securities or securities derivatives.

Here, the direct costs are preferably labor costs, labor costs, marketing costs, other goods costs, eastern estate maintenance costs, retirement allowances, depreciation costs, and manufacturing costs.

In addition, the overhead cost is preferably a cost such as personnel expenses, living expenses after salary, eastern estate management activities, financial planning activities.

In addition, the profitability of the PB customer group includes an operating profit less the revenue generation cost of the PB customer group required to generate the revenue from the revenue for the PB customer group, and the revenue generation cost is It is preferable that the customer includes at least one or more of costs such as direct and indirect costs for the employee who sells to the customer a product containing at least one securities product or securities derivatives.

In addition, the profitability of the special customer group includes an operating profit less the revenue generation cost of the special customer group required for the generation of revenue from the revenue for the special customer group, the cost of the revenue generation It is preferable that the customer includes at least one or more of costs such as direct and indirect costs for the employee who sells to the customer a product containing at least one securities product or securities derivatives.

In addition, the profitability of the corporate customer group includes an operating profit less the revenue generation cost of the corporate customer group required to generate the revenue from the revenue for the corporate customer group, the cost of the revenue generation It is preferable that the customer includes at least one or more of costs such as direct and indirect costs for the employee who sells to the customer a product containing at least one securities product or securities derivatives.

The securities integration customer profit calculation server 2000 has a D / B for storing the profitability calculation results for each group, or a separate D / B server and a communication network having a D / B for storing the profitability calculation results for each group. It is linked through.

Referring to FIG. 20, the securities integrated customer profitability calculation server 2000 receives the customer information of the individual customer group and the personal customer group profitability information associated with the customer information from the securities individual customer group profitability calculation server 1200. Or receiving the customer information of the PB customer group, the PB customer group profitability information associated with the customer information from the security PB customer group profitability calculation server 1400, or the special customer from the securities special customer group profitability calculation server 1600. Receive group customer information, special customer group profitability information associated with the customer information, or corporate customer group profitability information associated with the customer information from the securities corporate customer group profitability calculation server 1800 Information receiving unit 2005 (or information receiving means) comprising at least one function for receiving, the securities individual customer group profitable Information checking unit (2010) to check the information received from the exit server (1200), securities PB customer group profitability calculation server (1400), securities special customer group profitability calculation server (1600), securities corporate customer group profitability calculation server (1800) (Or information confirmation means), and the information storage unit 2015 (or information storage means) for storing the confirmed profitability information in the D / B.

According to the embodiment of the present invention, the information receiving unit 2005, the customer information, the profitability information associated with the customer information securities individual customer group profit calculation server 1200, securities PB customer group profit calculation server 1400, securities special The customer group profit calculation server 1600 and the securities corporate customer group profit calculation server 1800 are provided to the information checking unit 2010.

According to the exemplary embodiment of the present invention, the information checking unit 2010 checks the individual customer group in the customer information received from the information receiving unit 2005 and the profitability information associated with the customer information. Or the PB customer group in the customer information received from the information receiving unit 2005, the profitability information associated with the customer information, and providing the PB customer group to the information storing unit 2015, or the information receiving unit The special customer group is identified from the customer information received at (2005) and profitability information associated with the customer information and provided to the information storage unit 2015, or the customer information received at the information receiving unit 2005. In addition, the corporate customer group is identified from the profitability information associated with the customer information and provided to the information storage unit 2015.

According to the implementation method of the present invention, the information storage unit 2015 is the securities integrated customer profitability calculation server (profitability information of the individual customer group, PB customer group, special customer group, corporate customer group provided by the information receiving unit 2005 ( 2000 or a separate D / B for storing profitability information of an individual customer group, a PB customer group, a special customer group, or an enterprise customer group provided by the information verification unit 2010. Interworking with D / B server and communication network.

According to the implementation method of the present invention, the securities individual customer group profitability calculation server 1200 is provided with ledger information from the ledger D / B in the securities system 1230 in connection with the securities system 1230. It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to FIG.

According to the method of the present invention, the securities PB customer group profitability calculation server 1400 is provided with ledger information from the ledger D / B in the securities system 1230 in connection with the securities system 1230. It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 14, it is omitted.

According to the implementation method of the present invention, the securities special customer group profitability calculation server 1600 receives ledger information from the ledger D / B in the securities system 1230 in connection with the securities system 1230, and the profitability of the special customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 16, it is omitted.

According to the implementation method of the present invention, the securities corporate customer group profitability calculation server 1800 is provided with ledger information from the ledger D / B in the securities system 1230 in connection with the securities system 1230, the profitability of the corporate customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 18, it is omitted.

According to the implementation method of the present invention, the securities system 1230 is connected to the individual customer group profitability calculation server, PB customer group profitability calculation server, special customer group profitability calculation server, corporate customer group profitability calculation server in the bank system It provides functions to provide ledger information to the individual customer group profitability calculation server, PB customer group profitability calculation server, special customer group profitability calculation server, and corporate customer group profitability calculation server in connection with the ledger D / B. Since a detailed description has been made with reference to FIG. 12, it will not be shown.

In addition, the ledger information for the ledger D / B of the securities system 1230 has more information than the information shown in the ledger D / B of the securities system 1230 shown in Figure 20, but the individual customer group profitability calculation, PB Only the information for customer group profitability calculation, special customer group profitability calculation, corporate customer group profitability calculation is shown.

21 is a flowchart illustrating an operation of a system for checking and storing profitability information of an individual customer group, a PB customer group, a special customer group, and an enterprise customer group according to an exemplary embodiment of the present invention.

More specifically, FIG. 21 shows individual customer group profitability information from D / B of the securities individual customer group profitability calculation server 1200 shown in FIG. 2, or the PB customer group profitability calculation server 1400 shown in FIG. PB customer group profitability information from the D / B, or the special customer group profitability information from the D / B of the special customer group profitability calculation server 1600 shown in Figure 6, or the securities corporate customer shown in Figure 8 The four groups (individual customer group, PB customer group, special group) are obtained from the corporate customer group profitability information from the D / B of the group profitability calculation server 1800 and through the securities integrated customer profitability calculation server 2000 shown in FIG. Customer group, corporate customer group) and the process of storing and registering the identified information in the D / B of the securities integration customer profit calculation server 2000, the present invention belongs to the field Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of securities integration with reference to this drawing 21, but the present invention is not limited to the drawing 21, and all the implementation methods inferred above Include.

Hereinafter, in FIG. 21, the security integrated customer profit calculation server 2000 shown in FIG. 20 is referred to as a “server” for convenience.

Referring to FIG. 21A, the server connects to the securities individual customer group profitability calculation server 1200 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (2100a).

In addition, the customer information 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 profitability information may include at least one or more securities product profitability information, securities derivatives profitability information, transaction history profitability information, new securities product profitability information, new securities derivatives profitability information.

In addition, the profitability information of the securities product is interest income of borrowing and depositing the deposits on the savings securities products, or profits from the deposit operation of the savings securities products, or interest income of receiving deposits and interest on the savings securities products. Or, at least one or more of the proceeds from the savings management of the savings securities product, or the loan interest income for the loan securities product.

In addition, the securities derivatives profitability information is preferably made of at least one handling fee for the foreign exchange transaction, or handling fees for derivatives, handling fees for securities, or handling fees for ancillary 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 transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

Herein, the profitability information of the new securities product is related to the potential interest income that can be borrowed and receive interest on the new savings securities product, or the potential operating income by deposit operation of the new savings securities product, or the new red securities product. It is preferable to include at least one or more potential interest income to borrow and deposit interest, or potential operating income from the savings management of the new deposit securities product, or potential loan interest income on the new loan securities product.

Herein, the new securities derivatives profitability information may include potential interest income from transaction of foreign exchange products, potential handling fee revenue from derivatives, potential handling fee revenue from securities, or potential handling fee revenue for ancillary services. It is preferable to include at least one.

Thereafter, the server checks the information corresponding to the individual customer group from the profitability information provided from the securities individual customer group profitability calculation server 1200 (2105a).

If information about groups other than the individual customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 21a, only the portion of the individual customer group is processed. (2110a).

Thereafter, the server stores and registers the profitability information of the identified individual customer group in the server D / B (2115a).

Referring to FIG. 21B, the server accesses the security PB customer group profit calculation server 1400 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (2100b).

In addition, the customer information 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 profitability information may include at least one or more securities product profitability information, securities derivatives profitability information, transaction history profitability information, new securities product profitability information, new securities derivatives profitability information.

In addition, the profitability information of the securities product is interest income of borrowing and depositing the deposits on the savings securities products, or profits from the deposit operation of the savings securities products, or interest income of receiving deposits and interest on the savings securities products. Or, at least one or more of the proceeds from the savings management of the savings securities product, or the loan interest income for the loan securities product.

In addition, the securities derivatives profitability information is preferably made of at least one handling fee for the foreign exchange transaction, or handling fees for derivatives, handling fees for securities, or handling fees for ancillary 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 transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

Herein, the profitability information of the new securities product is related to the potential interest income that can be borrowed and receive interest on the new savings securities product, or the potential operating income by deposit operation of the new savings securities product, or the new red securities product. It is preferable to include at least one or more potential interest income to borrow and deposit interest, or potential operating income from the savings management of the new deposit securities product, or potential loan interest income on the new loan securities product.

Herein, the new securities derivatives profitability information may include potential interest income from transaction of foreign exchange products, potential handling fee revenue from derivatives, potential handling fee revenue from securities, or potential handling fee revenue for ancillary services. It is preferable to include at least one.

Thereafter, the server checks the information corresponding to the PB customer group from the profitability information provided from the security PB customer group profitability calculation server 1400 (2105b).

If information about groups other than the PB customer group is extracted from the securities product information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in this figure 21b, only the portion of the PB customer group is processed. (2110b).

Thereafter, the server stores and registers the profitability information of the identified PB customer group in the server D / B (2115b).

Referring to FIG. 21c, the server accesses the stock special customer group profitability calculation server 1600 through a predetermined communication network and provides the server with customer information for profitability calculation and profitability information associated with customer information. (2100c).

In addition, the customer information 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 profitability information may include at least one or more securities product profitability information, securities derivatives profitability information, transaction history profitability information, new securities product profitability information, new securities derivatives profitability information.

In addition, the profitability information of the securities product is interest income of borrowing and depositing the deposits on the savings securities products, or profits from the deposit operation of the savings securities products, or interest income of receiving deposits and interest on the savings securities products. Or, at least one or more of the proceeds from the savings management of the savings securities product, or the loan interest income for the loan securities product.

In addition, the securities derivatives profitability information is preferably made of at least one handling fee for the foreign exchange transaction, or handling fees for derivatives, handling fees for securities, or handling fees for ancillary 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 transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

Herein, the profitability information of the new securities product is related to the potential interest income that can be borrowed and receive interest on the new savings securities product, or the potential operating income by deposit operation of the new savings securities product, or the new red securities product. It is preferable to include at least one or more potential interest income to borrow and deposit interest, or potential operating income from the savings management of the new deposit securities product, or potential loan interest income on the new loan securities product.

Herein, the new securities derivatives profitability information may include potential interest income from transaction of foreign exchange products, potential handling fee revenue from derivatives, potential handling fee revenue from securities, or potential handling fee revenue for ancillary services. It is preferable to include at least one.

Thereafter, the server checks the information corresponding to the special customer group from the profitability information provided from the stock special customer group profitability calculation server 1600 (2105c).

If information about groups other than the special customer group is extracted from the securities product information, the processing is performed by referring to the other drawings shown in the present invention according to each group, and in this figure 21c, only the part of the special customer group is processed. (2110c).

Thereafter, the server stores and registers the profitability information of the identified special customer group in the server D / B (2115c).

Referring to FIG. 21D, the server connects to the securities corporate customer group profitability calculation server 1800 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (2100d).

In addition, the customer information 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 profitability information may include at least one or more securities product profitability information, securities derivatives profitability information, transaction history profitability information, new securities product profitability information, new securities derivatives profitability information.

In addition, the profitability information of the securities product is interest income of borrowing and depositing the deposits on the savings securities products, or profits from the deposit operation of the savings securities products, or interest income of receiving deposits and interest on the savings securities products. Or, at least one or more of the proceeds from the savings management of the savings securities product, or the loan interest income for the loan securities product.

In addition, the securities derivatives profitability information is preferably made of at least one handling fee for the foreign exchange transaction, or handling fees for derivatives, handling fees for securities, or handling fees for ancillary 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 transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

Herein, the profitability information of the new securities product is related to the potential interest income that can be borrowed and receive interest on the new savings securities product, or the potential operating income by deposit operation of the new savings securities product, or the new red securities product. It is preferable to include at least one or more potential interest income to borrow and deposit interest, or potential operating income from the savings management of the new deposit securities product, or potential loan interest income on the new loan securities product.

Herein, the new securities derivatives profitability information may include potential interest income from transaction of foreign exchange products, potential handling fee revenue from derivatives, potential handling fee revenue from securities, or potential handling fee revenue for ancillary services. It is preferable to include at least one.

Thereafter, the server checks the information corresponding to the corporate customer group from the profitability information provided from the securities corporate customer group profitability calculation server 1800 (2105d).

If information about groups other than the corporate customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 21D, only the portion of the corporate customer group is processed. (2110d).

Thereafter, the server stores and registers the profitability information of the identified corporate customer group in the server D / B (2115d).

22 illustrates a system configuration for calculating profitability of an individual customer group according to an exemplary embodiment of the present invention.

More specifically, FIG. 22 shows customer information (eg, social security number, customer name, etc.), one or more fund product information (eg, derivatives fund, overseas fund, stock type, etc.) associated with the customer information for calculating profitability of the individual customer group. Funds, mixed funds, bond funds, MMF funds), or one or more new fund product information associated with the customer information is provided from the investment system 2230 to extract information corresponding to an individual customer group, and to extract the extracted information. Checking the information on the individual customer group from the information, showing the internal configuration of the system for calculating the profitability for the individual customer, if the person having ordinary knowledge in the field to which the present invention belongs, with reference to this figure 22 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 this figure 22, It includes all exemplary method.

Here, the customer information 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 fund product information preferably comprises at least one derivatives fund, overseas funds, equity funds, mixed funds, bond funds, MMF funds.

Herein, the derivatives fund preferably refers to an equity linked fund (ELF), an index fund, or the like.

In addition, the equity index fund invests most of the fund's assets in safe assets such as government bonds and high-quality corporate bonds to secure the principal at maturity, and incorporates the Warrant issued by the securities company. It is preferable to mean a structured product that allows fund returns to be linked to stock prices.

In addition, it is preferable that the index fund refers to a commodity that aims to realize the average profit of the market by constructing and operating a portfolio linked to the movement of the stock index on the premise of the long-term growth trend of the stock market.

In addition, it is preferable that the overseas fund means an overseas investment fund, offshore fund, reindirect fund, or the like.

In addition, it is preferable that the equity fund means a product invested in stocks, bonds, stock index futures, stock index options, and the like.

In addition, it is preferable that the mixed fund means a product or the like which is simultaneously invested in stocks and bonds.

In addition, it is preferable that the bond fund means a product that invests only in bonds.

In addition, the MMF fund is preferably referred to as a commercial paper (CP), certificate of deposit (CD).

According to the method of the present invention, the profitability calculation system of the individual customer group is

Individual customer group profitability calculation server to calculate profitability of individual customer group including at least one of profitability calculation by fund product or profitability calculation by joining new fund product At least one provided in branch (or branch) of financial institution And a transmission system 2230 for providing at least one or more financial transactions (eg, fund product purchase, fund product redemption, etc.) through the face-to-face or non-face-to-face financial transaction channel.

The individual customer group profitability calculation server may include customer information, one or more fund product information (eg, derivatives fund, overseas fund, stock fund, mixed fund, bond fund, MMF fund) associated with the customer information, or the customer. Extracting at least one new fund product information associated with the information from the transmission system 2230, it is preferable to check the profitability of the individual customer group according to the customer information, referring to Figure 22, Profitability is made up of profits for the individual customer group including operating profit less the revenue generation cost of the individual customer group required to generate the revenue, the revenue generation cost is the fund product subscribed to the customer It includes at least one cost, such as direct and indirect costs, for employees who sell products to customers. Is preferred.

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 individual customer group profitability calculation server includes a D / B for storing the profitability calculation result for each individual customer or a separate D / B server and a communication network having a D / B for storing the profitability calculation result for each individual customer. Interlocked.

Referring to FIG. 22, the personal customer group profitability calculation server is an information receiving unit 2205 (or information receiving means) for receiving information from the ledger D / B in association with the external system 2235 of the transmission system 2230. An information extracting unit 2210 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 2215 (or information checking) for confirming the information extracted from the ledger D / B. Means), a profitability calculation unit 2220 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 2225 (or information storage means) for storing the profitability calculation information in the D / B. It characterized by comprising a.

Here, the ledger D / B is a D / B provided in the transmission system 2230, and the ledger D / B preferably includes customer information and fund product information necessary for calculating profitability for the individual customer group. .

According to an embodiment of the present invention, the information receiving unit 2205 may include information including at least one of customer information, one or more fund product information associated with the customer information, one or more new fund product information associated with the customer information, and the like. The ledger information is received from the ledger D / B in association with the external system 2235 of the transmission system 2230 and provided to the information extraction unit 2210.

Here, the ledger information preferably includes customer information and fund product information requested by the investment system 2230 from the individual customer group profitability calculation server in order to calculate profitability for the individual customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 2210 may include the customer information received by the information receiving unit 2205, one or more fund product information associated with the customer information, or one or more new information associated with the customer information. The information on the individual customer is extracted from the fund product information and provided to the information verification unit 2215.

According to the exemplary embodiment of the present invention, the information checking unit 2215 may include the customer information extracted by the information extracting unit 2210, one or more fund product information associated with the customer information, or one or more new information associated with the customer information. In the fund product information, the individual customer is identified from the information about the individual customer and is provided to the profitability calculation unit 2220.

According to the method of the present invention, the fund product profitability information includes at least one fund product profitability information including financial elements corresponding to the ledger, and at least one fund product profitability information including non-financial elements other than the ledger. It is preferable to make it.

The profitability calculation unit 2220 calculates individual customer profitability by linking with profitability information for the individual customer including at least one fund product profitability information for the individual customer provided by the information checking unit 2215. The calculated personal customer information and profitability information of the personal customer are provided to the information storage unit 2225.

According to the exemplary embodiment of the present invention, the profitability calculator 2220 may calculate profitability information including profits based on fund product information for the individual customer.

Herein, the fund product profitability information for the fund product information for the individual customer is the handling fee income by the overseas fund, the operating fee income by the overseas fund, the middle repayment commission income by the overseas fund, and the operation by the equity fund. Commission income, mid-term refund commission income from equity funds, mid-term refund commission income from equity funds, operating commission income from bond funds, mid-term refund commission income from bond funds, mid-term refund commission income from bond funds, mixed funds Profits from management fees, mid-term commissions from hybrid funds, mid-term commissions from mixed funds, mid-term commissions from MMF, mid-market commissions from MMF, mid-market commissions from MMF, derivatives Revenue from Management Fees, Pre-Revenue from Derivatives, and Revenue from Derivatives It is preferable to include at least one or more of the repurchase fee revenue.

In addition, the profitability calculator 2220 may calculate profitability information including profits based on new fund product information for the individual customer.

Herein, the new fund product profitability information for the new fund product information for the individual client is based on the potential operating fee income by the overseas fund, the potential operating fee income by the equity fund, the potential operating fee income by the bond fund, and the mixed fund. It is preferable to include at least one of the potential operating fee revenues by the MMF, potential operating fee revenues by the MMF, potential operating fee revenues by the derivatives.

According to the method of the present invention, the transmission system 2230 is connected to at least one or more window terminals provided at the branch (and / or branch) of the transmission institution through a predetermined transmission network (for example, a branch network). Characterized in that, through the counter terminal to provide a face-to-face investment service for at least one customer.

In addition, the transmission system 2230 may include at least one or more transmission terminals including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or branch) of the transmission organ, and / or the transmission organ; At least one sending terminal provided in an affiliated at least one other sending agency (and / or other sending agency point), and / or at least one sending terminal provided in a public place and a predetermined transmission network (eg CD Network), and provides a non-face-to-face investment transaction service for at least one or more outgoing transaction customers through the transmission terminal.

In addition, the transmission system 2230 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based) 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 / Provides non-face-to-face teleconferencing services to at least one teleconferencing customer through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the transmission system 2230 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 teleconferencing with at least one teleconferencing 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 transmission system 2230 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 equipped with a transmission 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 trust trading service to customers.

In addition, the transmission system 2230 is characterized in that it is associated with a predetermined telebanking server, through the telebanking server to a predetermined wired voice telephone network (for example, public switched telephone network (PSTN)) At least one wired call terminal (e.g., a telephone) connected and / or at least one wireless call terminal (e.g., a PCS and a mobile communication network based on a Code Division Multiple Access (CDMA)) connected to a predetermined wireless voice call network (e.g., a PCS and / Or a GSM terminal and / or a smart phone, etc.) to provide a non-face-to-face teleconferencing service to at least one teleconferencing customer.

In addition, the transmission system 2230 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 and / or refrigerator connected to a home network) Etc.) provides non-face-to-face trust trading services to at least one trust trading customer.

In addition, the transmission system 2230 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, bidirectional digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) Satellite DMB terminal, terrestrial DMB terminal, etc.) provides a non-face-to-face teleconferencing service to at least one telecom customer.

Referring to FIG. 1, the investment system 2230 is provided in a trust provider to open at least one trust account to at least one trust customer and provide at least one trust service based on the trust account. As a computerized system, an accounting system 2240 that handles windowing services such as the purchase of fund products, the processing of fund products, and the repurchase of funds in the midst of one or more branches (or counters); An information system 2245 for handling customer information management, an interconnection between the communication system 2230 and at least one other communication system 2230 (and / or payment system), and / or at least one external communication network One or more non-face-to-face communication means (e.g., Internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking) Etc.), and / or an external system 2235 which provides a variety of communication transactions interfaces through at least one or more common networks (e.g., CD common network, trusted public network). In addition, the transmission system 2230 is an interface module 2250 corresponding to a middleware platform that provides inter-component interfacing between the transmission system 2230, and components in the transmission system 2230 DBMS 2255 (DataBase) comprising at least one database that stores and manages predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in the database. And a management system).

In addition, the transmission system 2230 is a foreign exchange module (not shown) according to the intention of the person skilled in the art and / or the type and the purpose and characteristics of each transmission apparatus provided with the transmission system 2230 and the transmission system 2230. ), It is possible to further include at least one or more components, such as investment investment module (not shown), international module (not shown), if the person of ordinary skill in the art to which the present invention belongs Since the technical details of the system 2230 will be understood, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

In addition, the ledger information of the ledger D / B of the transmission system 2230 has more information than the information shown in the ledger D / B of the transmission system 2230 shown in Figure 22, but for calculating the individual customer group profitability Only information is shown.

23 is a system for calculating individual customer profitability comprising at least one fund product profitability information for the individual customer for the profitability calculation of the individual customer group, new fund product profitability information for the individual customer according to the embodiment of the present invention It shows the operation flow of.

More specifically, Figure 23 shows the ledger information from the ledger D / B of the transmission system 2230 shown in Figure 22, and the two conditions of the individual customer group through the individual customer group profitability calculation server shown in Figure 22 In the process of calculating profitability information for (fund product profitability information for individual customers and new fund product profitability information for individual customers) and storing the calculated profitability information in the D / B of the individual customer group profitability calculation server In this regard, one of ordinary skill in the art to which the present invention pertains will be able to infer various implementation methods of a system for calculating profitability of an individual customer group with reference to this drawing 23. It is not limited to, but includes all the implementation methods inferred.

Hereinafter, in Fig. 23, the individual customer group profitability calculation server shown in Fig. 22 is referred to as &quot; server &quot; for convenience.

Referring to FIG. 23A, the server connects to the transmission system 2230 through a predetermined communication network, requests the server to provide ledger information of the transmission system 2230 ledger D / B for the profitability calculation. In response, the transmission system 2230 provides the ledger information of the ledger D / B to the server (2300a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the transmission system 2230, and fund product information associated with the customer information.

In addition, the customer information 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 fund product information preferably comprises at least one derivatives fund, overseas funds, equity funds, mixed funds, bond funds, MMF funds.

Herein, the derivatives fund preferably refers to an equity linked fund (ELF), an index fund, or the like.

In addition, the equity index fund invests most of the fund's assets in safe assets such as government bonds and high-quality corporate bonds to secure the principal at maturity, and incorporates the Warrant issued by the securities company. It is preferable to mean a structured product that allows fund returns to be linked to stock prices.

In addition, it is preferable that the index fund refers to a commodity that aims to realize the average profit of the market by constructing and operating a portfolio linked to the movement of the stock index on the premise of the long-term growth trend of the stock market.

In addition, it is preferable that the overseas fund means an overseas investment fund, offshore fund, reindirect fund, or the like.

In addition, it is preferable that the equity fund means a product invested in stocks, bonds, stock index futures, stock index options, and the like.

In addition, it is preferable that the mixed fund means a product or the like which is simultaneously invested in stocks and bonds.

In addition, it is preferable that the bond fund means a product that invests only in bonds.

In addition, the MMF fund is preferably referred to as a commercial paper (CP), certificate of deposit (CD).

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the transmission system 2230 (2305a).

When extracting information about a group other than the individual customer group from the fund product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 23a, only the portion of the individual customer group is processed. 2310a.

Thereafter, the server checks the securities product profitability information corresponding to the individual customer group (2315a), and stores and registers the checked profitability information in the server D / B (2320a).

Herein, the fund product profitability information for the fund product information for the individual customer is the handling fee income by the overseas fund, the operating fee income by the overseas fund, the middle repayment commission income by the overseas fund, and the operation by the equity fund. Commission income, mid-term refund commission income from equity-type funds, mid-term refund commission income from stock-type funds, operating commission income from bond-type funds, mid-term refund commission income from bond-type funds, mid-term refund commission income from bond-type funds, mixed funds Revenue from Management Fees, Pre-Revenue Fees by Mixed Funds, Revenue Fees by Mixed Funds, Revenue from Management Fees by MMFs, Revenues by Prepayment Fees by MMFs, Revenue by Derivatives Revenue from Management Fee, Pre-Revenue from Derivatives, Revenue from Derivatives It comprises at least one sheet or the like fees are preferred.

Referring to FIG. 23B, the server accesses the transmission system 2230 through a predetermined communication network, requests the server to provide ledger information of the transmission system 2230 ledger D / B for the profitability calculation. In response, the transmission system 2230 provides the ledger information of the ledger D / B to the server (2300b).

Here, the ledger information preferably refers to new fund product information associated with customer information and customer information stored and registered in the ledger D / B of the transmission system 2230.

In addition, the customer information 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 fund product information preferably comprises at least one derivatives fund, overseas funds, equity funds, mixed funds, bond funds, MMF funds.

Herein, the derivatives fund preferably refers to an equity linked fund (ELF), an index fund, or the like.

In addition, the equity index fund invests most of the fund's assets in safe assets such as government bonds and high-quality corporate bonds to secure the principal at maturity, and incorporates the Warrant issued by the securities company. It is preferable to mean a structured product that allows fund returns to be linked to stock prices.

In addition, it is preferable that the index fund refers to a commodity that aims to realize the average profit of the market by constructing and operating a portfolio linked to the movement of the stock index on the premise of the long-term growth trend of the stock market.

In addition, it is preferable that the overseas fund means an overseas investment fund, offshore fund, reindirect fund, or the like.

In addition, it is preferable that the equity fund means a product invested in stocks, bonds, stock index futures, stock index options, and the like.

In addition, it is preferable that the mixed fund means a product or the like which is simultaneously invested in stocks and bonds.

In addition, it is preferable that the bond fund means a product that invests only in bonds.

In addition, the MMF fund is preferably referred to as a commercial paper (CP), certificate of deposit (CD).

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the transmission system 2230 (2305b).

If information about groups other than the individual customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 2310b.

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (2315b), and stores and registers the confirmed profitability information in the server D / B (2320b).

Herein, the new fund product profitability information for the new fund product information for the individual client is based on the potential operating fee income by the overseas fund, the potential operating fee income by the equity fund, the potential operating fee income by the bond fund, and the mixed fund. It is preferable to include at least one of the potential operating fee revenues by the MMF, potential operating fee revenues by the MMF, potential operating fee revenues by the derivatives.

24 shows a system configuration for calculating the profitability of the PB customer group according to the embodiment of the present invention.

More specifically, FIG. 24 shows customer information (eg, social security number, customer name, etc.), one or more fund product information (eg, derivatives fund, overseas fund, stock type, etc.) associated with the customer information for calculating profitability of the PB customer group. Funds, mixed funds, bond funds, MMF funds), or one or more new fund product information associated with the customer information is provided from the transmission system 2230 to extract information corresponding to the PB customer group, and extract the information. Checking the information on the PB customer group from the information obtained, showing the internal configuration of the system for calculating the profitability for the PB customer, if the person having ordinary knowledge in the field of the present invention, with reference to this figure 24 Various implementation methods of the system for calculating the profitability of the PB customer group may be inferred, but the present invention is not limited to this drawing 24. Including the way.

Here, the customer information 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 fund product information preferably comprises at least one derivatives fund, overseas funds, equity funds, mixed funds, bond funds, MMF funds.

Herein, the derivatives fund preferably refers to an equity linked fund (ELF), an index fund, or the like.

In addition, the equity index fund invests most of the fund's assets in safe assets such as government bonds and high-quality corporate bonds to secure the principal at maturity, and incorporates the Warrant issued by the securities company. It is preferable to mean a structured product that allows fund returns to be linked to stock prices.

In addition, it is preferable that the index fund refers to a commodity that aims to realize the average profit of the market by constructing and operating a portfolio linked to the movement of the stock index on the premise of the long-term growth trend of the stock market.

In addition, it is preferable that the overseas fund means an overseas investment fund, offshore fund, reindirect fund, or the like.

In addition, it is preferable that the equity fund means a product invested in stocks, bonds, stock index futures, stock index options, and the like.

In addition, it is preferable that the mixed fund means a product or the like which is simultaneously invested in stocks and bonds.

In addition, it is preferable that the bond fund means a product that invests only in bonds.

In addition, the MMF fund is preferably referred to as a commercial paper (CP), a certificate of deposit (CD).

According to the method of the present invention, the profitability calculation system of the PB customer group is

PB customer group profitability calculation server for calculating profitability of PB customer group, which includes at least one profitability calculation by fund product or profitability calculation by joining new fund product, at least one provided in branch (or branch) of financial institution And a transmission system 2230 for providing at least one or more financial transactions (eg, fund product purchase, fund product redemption, etc.) through the face-to-face or non-face-to-face financial transaction channel.

The PB customer group profitability calculation server may include customer information, one or more fund product information associated with the customer information (eg, derivatives fund, overseas fund, stock fund, mixed fund, bond fund, MMF fund), or the customer. Extracting one or more new fund product information associated with the information from the transmission system 2230, a method of checking the profitability of the PB customer group according to the customer information is preferred, and having a general knowledge in the field of the present invention If so, referring to FIG. 24, the profitability of the PB customer group includes 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 cost of revenue generation includes costs such as direct costs and indirect costs for employees who sell goods to customers, including fund products subscribed to by the customer. It is preferable to comprise 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 PB customer group profitability calculation server may include a D / B for storing profitability calculation results for each PB customer or a separate D / B server having a D / B for storing profitability calculation results for each PB customer. Interlocked.

Referring to FIG. 24, the PB customer group profitability calculation server is an information receiving unit 2405 (or information receiving means) for receiving information from the ledger D / B in association with the external system 2235 of the transmission system 2230. An information extraction unit 2410 (or information extraction means) for extracting necessary information from the information received from the ledger D / B, and an information confirmation unit 2415 (or information confirmation) for confirming the information extracted from the ledger D / B. Means), a profitability calculation unit 2420 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 2425 (or information storage means) for storing the profitability calculation information in the D / B. It characterized by comprising a.

Here, the ledger D / B is a D / B provided in the transmission system 2230, and the ledger D / B preferably includes customer information and fund product information necessary for calculating profitability for the PB customer group.

According to the exemplary embodiment of the present invention, the information receiving unit 2405 may include information including at least one of customer information, one or more fund product information associated with the customer information, one or more new fund product information associated with the customer information, and the like. The ledger information is received from the ledger D / B in association with the external system 2235 of the transmission system 2230 and provided to the information extraction unit 2410.

Here, the ledger information preferably includes customer information and fund product information requested from the PB customer group profitability calculation server to the transmission system 2230 in order to calculate profitability for the PB customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 2410 may include the customer information received from the information receiving unit 2405, one or more fund product information associated with the customer information, or one or more new information associated with the customer information. Information about the PB customer is extracted from the fund product information and provided to the information verification unit 2415.

According to an exemplary embodiment of the present invention, the information checking unit 2415 may include the customer information extracted by the information extracting unit 2410, one or more fund product information associated with the customer information, or one or more new information associated with the customer information. The PB customer is identified from the information on the PB customer in the fund product information and provided to the profitability calculator 2420.

According to the method of the present invention, the fund product profitability information includes at least one fund product profitability information including financial elements corresponding to the ledger, and at least one fund product profitability information including non-financial elements other than the ledger. It is preferable to make it.

The profitability calculation unit 2420 calculates PB customer profitability in connection with profitability information for PB customers including at least one fund product profitability information for the PB customer provided by the information checking unit 2415. In addition, the calculated PB customer information and profitability information for the PB customer are provided to the information storage unit 2425.

According to the exemplary embodiment of the present invention, the profitability calculation unit 2420 may calculate profitability information including profits based on fund product information for the PB customer.

Herein, the fund product profitability information of the fund product information for the PB customer is the handling fee income by the overseas fund, the operating fee income by the overseas fund, the middle repayment commission income by the overseas fund, and the operation by the equity fund. Commission income, mid-term refund commission income from equity-type funds, mid-term refund commission income from stock-type funds, operating commission income from bond-type funds, mid-term refund commission income from bond-type funds, mid-term refund commission income from bond-type funds, mixed funds Revenue from Management Fees, Pre-Revenue Fees by Mixed Funds, Revenue Fees by Mixed Funds, Revenue from Management Fees by MMFs, Revenues by Prepayment Fees by MMFs, Revenue by Derivatives Revenue from Management Fee, Pre-Payment Revenue from Derivatives, Prepayment from Derivatives It comprises the fees such as for at least one are preferred.

In addition, the profitability calculator 2420 may calculate profitability information including profits based on new fund product information for the PB customer.

Herein, the new fund product profitability information for the new fund product information for the PB customer is based on the potential operating fee income by the overseas fund, the potential operating fee income by the equity fund, the potential operating fee income by the bond fund, and the mixed fund. It is preferable to include at least one of the potential operating fee income from the MMF, the potential operating fee income from the MMF, and the potential operating fee income from the derivatives.

According to the implementation method of the present invention, the trust system 2230 provides the ledger information to the PB customer group profit calculation server in connection with the ledger D / B in the trust system 2230 in connection with the PB customer group profitability calculation server It provides a function for, and since the detailed description of the internal configuration has been described with reference to FIG.

In addition, the ledger information for the ledger D / B of the transmission system 2230 has more information than the information shown in the ledger D / B of the transmission system 2230 shown in Figure 24, but for calculating the PB customer group profitability Only information is shown.

25 is a system for calculating profitability of a PB customer including at least one fund product profitability information for a PB customer and a new fund product profitability information for a PB customer according to an embodiment of the present invention. It shows the operation flow of.

More specifically, FIG. 25 shows the ledger information from the ledger D / B of the transmission system 2230 shown in FIG. 22 and the two conditions of the PB customer group through the PB customer group profitability calculation server shown in FIG. In the process of calculating profitability information about (fund product profitability information for PB customers and new fund product profitability information for PB customers) and storing the calculated profitability information in D / B of PB customer group profitability calculation server As related to the present invention, those skilled in the art to which the present invention pertains may refer to various embodiments of the system for calculating the profitability of the PB customer group with reference to this drawing. It includes, but is not limited to, all the methods of inferred above.

Hereinafter, in FIG. 25, the PB customer group profitability calculation server shown in FIG. 24 is referred to as "server" for convenience.

Referring to FIG. 25A, the server connects to the transmission system 2230 through a predetermined communication network, requests the server to provide ledger information of the transmission system 2230 ledger D / B for the profitability calculation. In response, the transmission system 2230 provides the ledger information of the ledger D / B to the server (2500a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the transmission system 2230, and fund product information associated with the customer information.

In addition, the customer information 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 fund product information preferably comprises at least one derivatives fund, overseas funds, equity funds, mixed funds, bond funds, MMF funds.

Herein, the derivatives fund preferably refers to an equity linked fund (ELF), an index fund, or the like.

In addition, the equity index fund invests most of the fund's assets in safe assets such as government bonds and high-quality corporate bonds to secure the principal at maturity, and incorporates the Warrant issued by the securities company. It is preferable to mean a structured product that allows fund returns to be linked to stock prices.

In addition, it is preferable that the index fund refers to a commodity that aims to realize the average profit of the market by constructing and operating a portfolio linked to the movement of the stock index on the premise of the long-term growth trend of the stock market.

In addition, it is preferable that the overseas fund means an overseas investment fund, offshore fund, reindirect fund, or the like.

In addition, it is preferable that the equity fund means a product invested in stocks, bonds, stock index futures, stock index options, and the like.

In addition, it is preferable that the mixed fund means a product or the like which is simultaneously invested in stocks and bonds.

In addition, it is preferable that the bond fund means a product that invests only in bonds.

In addition, the MMF fund is preferably referred to as a commercial paper (CP), certificate of deposit (CD).

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the transmission system 2230 (2505a).

If information about groups other than the PB customer group is extracted from the fund product information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in this figure 25a, only the portion of the PB customer group is processed. (2510a).

Thereafter, the server checks the profitability information of the securities product corresponding to the PB customer group (2515a), and stores and registers the confirmed profitability information in the server D / B (2520a).

Herein, the fund product profitability information of the fund product information for the PB customer is the handling fee income by the overseas fund, the operating fee income by the overseas fund, the middle repayment commission income by the overseas fund, and the operation by the equity fund. Commission income, mid-term refund commission income from equity-type funds, mid-term refund commission income from stock-type funds, operating commission income from bond-type funds, mid-term refund commission income from bond-type funds, mid-term refund commission income from bond-type funds, mixed funds Revenue from Management Fees, Pre-Revenue Fees by Mixed Funds, Revenue Fees by Mixed Funds, Revenue from Management Fees by MMFs, Revenues by Prepayment Fees by MMFs, Revenue by Derivatives Revenue from Management Fee, Pre-Payment Revenue from Derivatives, Prepayment from Derivatives It comprises the fees such as for at least one are preferred.

Referring to FIG. 25B, the server accesses the transmission system 2230 through a predetermined communication network, requests the server to provide ledger information of the transmission system 2230 ledger D / B for the profitability calculation. In response, the transmission system 2230 provides the ledger information of the ledger D / B to the server (2500b).

Here, the ledger information preferably refers to new fund product information associated with customer information and customer information stored and registered in the ledger D / B of the transmission system 2230.

In addition, the customer information 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 fund product information preferably comprises at least one derivatives fund, overseas funds, equity funds, mixed funds, bond funds, MMF funds.

Herein, the derivatives fund preferably refers to an equity linked fund (ELF), an index fund, or the like.

In addition, the equity index fund invests most of the fund's assets in safe assets such as government bonds and high-quality corporate bonds to secure the principal at maturity, and incorporates the Warrant issued by the securities company. It is preferable to mean a structured product that allows fund returns to be linked to stock prices.

In addition, the index fund is preferably a product that aims to realize the average return on the market by constructing and operating a portfolio linked to the movement of the stock index, assuming the long-term growth trend of the securities market.

In addition, it is preferable that the overseas fund means an overseas investment fund, offshore fund, reindirect fund, or the like.

In addition, it is preferable that the equity fund means a product invested in stocks, bonds, stock index futures, stock index options, and the like.

In addition, it is preferable that the mixed fund means a product or the like which is simultaneously invested in stocks and bonds.

In addition, it is preferable that the bond fund means a product that invests only in bonds.

In addition, the MMF fund is preferably referred to as a commercial paper (CP), certificate of deposit (CD).

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the transmission system 2230 (2505b).

If information about groups other than the PB customer group is extracted from the securities product information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 25D, only the portion of the PB customer group is processed. (2510b).

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (2515b), and stores and registers the confirmed profitability information in the server D / B (2520b).

Herein, the new fund product profitability information for the new fund product information for the PB customer is based on the potential operating fee income by the overseas fund, the potential operating fee income by the equity fund, the potential operating fee income by the bond fund, and the mixed fund. It is preferable to include at least one of the potential operating fee revenues by the MMF, potential operating fee revenues by the MMF, potential operating fee revenues by the derivatives.

Figure 26 shows a system configuration for calculating the profitability of the special customer group according to the embodiment of the present invention.

More specifically, Figure 26 shows customer information (e.g. social security number, customer name, etc.), one or more fund product information (e.g., derivatives fund, overseas fund, stock type) in order to calculate profitability of the special customer group. Funds, mixed funds, bond funds, MMF funds) or one or more new fund product information associated with the customer information is provided from the investment system 2230 to extract information corresponding to a special customer group, and to extract the information. Checking the information on the special customer group from the information, showing the internal configuration of the system for calculating the profitability for the special customer, if you have ordinary knowledge in the field of the present invention, with reference to this figure 26 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 this figure 26. It includes all exemplary method.

Here, the customer information 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 fund product information preferably comprises at least one derivatives fund, overseas funds, equity funds, mixed funds, bond funds, MMF funds.

Herein, the derivatives fund preferably refers to an equity linked fund (ELF), an index fund, or the like.

In addition, the equity index fund invests most of the fund's assets in safe assets such as government bonds and high-quality corporate bonds to secure the principal at maturity, and incorporates the Warrant issued by the securities company. It is preferable to mean a structured product that allows fund returns to be linked to stock prices.

In addition, it is preferable that the index fund refers to a commodity that aims to realize the average profit of the market by constructing and operating a portfolio linked to the movement of the stock index on the premise of the long-term growth trend of the stock market.

In addition, it is preferable that the overseas fund means an overseas investment fund, offshore fund, reindirect fund, or the like.

In addition, it is preferable that the equity fund means a product invested in stocks, bonds, stock index futures, stock index options, and the like.

In addition, it is preferable that the mixed fund means a product or the like which is simultaneously invested in stocks and bonds.

In addition, it is preferable that the bond fund means a product that invests only in bonds.

In addition, the MMF fund is preferably referred to as a commercial paper (CP), certificate of deposit (CD).

According to the implementation method of the present invention, the profitability calculation system of the special customer group of the special customer group

Special customer group profitability calculation server for calculating the profitability of the special customer group, which includes at least one of profitability calculation by the fund product, or profitability calculation by joining a new fund product, at least one provided in a branch (or branch) of a financial institution And a transmission system 2230 for providing at least one or more financial transactions (eg, fund product purchase, fund product redemption, etc.) through the face-to-face or non-face-to-face financial transaction channel.

The special customer group profitability calculation server may include customer information, one or more fund product information associated with the customer information (eg, derivatives fund, overseas fund, stock fund, mixed fund, bond fund, MMF fund), or the customer. Extracting at least one new fund product information associated with the information from the transmission system 2230, it is preferable to check the profitability of the special customer group according to the customer information, referring to Figure 26, the special customer group Profitability is made up of profit for the special customer group including operating profit less the revenue generation cost of the special customer group required for the generation of revenue, the revenue generation cost is the fund product subscribed to the customer Including at least one cost, such as direct and indirect costs for employees who sell products to customers It is preferably

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 group profitability calculation server includes a D / B for storing the profitability calculation result for each special customer or a separate D / B server and a communication network having a D / B for saving the profitability calculation result for each special customer. Interlocked.

Referring to FIG. 26, the special customer group profitability calculation server is an information receiving unit 2605 (or information receiving means) for receiving information from the ledger D / B in association with the external system 2235 of the transmission system 2230. An information extraction unit 2610 (or information extraction means) for extracting necessary information from the information received from the ledger D / B, and an information confirmation unit 2615 (or information confirmation) for confirming the information extracted from the ledger D / B. Means), a profitability calculation unit 2620 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 2625 (or information storage means) for storing the profitability calculation information in the D / B. It characterized by comprising a.

Here, the ledger D / B is a D / B provided in the transmission system 2230, and the ledger D / B preferably includes customer information and fund product information necessary for calculating profitability for the special customer group.

According to the exemplary embodiment of the present invention, the information receiving unit 2605 may include information including at least one of customer information, one or more fund product information associated with the customer information, one or more new fund product information associated with the customer information, and the like. The ledger information is received from the ledger D / B in association with the external system 2235 of the transmission system 2230 and provided to the information extraction unit 2610.

Here, the ledger information preferably includes customer information and fund product information requested from the special customer group profitability calculation server to the investment system 2230 in order to calculate profitability for the special customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 2610 may include the customer information received by the information receiving unit 2605, one or more fund product information associated with the customer information, or one or more new information associated with the customer information. Information about the special customer is extracted from the fund product information and provided to the information checking unit 2615.

According to the exemplary embodiment of the present invention, the information checking unit 2615 may include the customer information extracted by the information extracting unit 2610, one or more fund product information associated with the customer information, or one or more new information associated with the customer information. The special product is identified from the information on the special customer in the fund product information and provided to the profitability calculator 2620.

According to the method of the present invention, the fund product profitability information includes at least one fund product profitability information including financial elements corresponding to the ledger, and at least one fund product profitability information including non-financial elements other than the ledger. It is preferable to make it.

The profitability calculation unit 2620 calculates special customer profitability by linking with profitability information for the special customer including at least one fund product profitability information for the special customer provided by the information checking unit 2615. The calculated special customer information and profitability information for the special customer are provided to the information storage unit 2625.

According to the exemplary embodiment of the present invention, the profitability calculator 2620 may calculate profitability information including profits from fund product information for the special customer.

Herein, the fund product profitability information of the fund product information for the special customer is the handling fee income by the overseas fund, the operating fee income by the overseas fund, the middle repayment commission income by the overseas fund, and the operation by the equity fund. Commission income, mid-term refund commission income from equity-type funds, mid-term refund commission income from stock-type funds, operating commission income from bond-type funds, mid-term refund commission income from bond-type funds, mid-term refund commission income from bond-type funds, mixed funds Revenue from Management Fees, Pre-Revenue Fees by Mixed Funds, Revenue Fees by Mixed Funds, Revenue from Management Fees by MMFs, Revenues by Prepayment Fees by MMFs, Revenue by Derivatives Revenue from Management Fee, Pre-Revenue from Derivatives, Revenue from Derivatives It comprises at least one sheet or the like fees are preferred.

In addition, the profitability calculator 2620 may calculate profitability information including profits based on new fund product information for the special customer.

Herein, the new fund product profitability information for the new fund product information for the special customer is based on the potential operating fee income by the overseas fund, the potential operating fee income by the equity fund, the potential operating fee income by the bond fund, and the mixed fund. It is preferable to include at least one of the potential operating fee revenue from the MMF, the potential operating fee revenue from the MMF, and the potential operating fee revenue from the derivatives.

According to the implementation method of the present invention, the trust system 2230 provides ledger information to the special customer group profitability calculation server in association with the ledger D / B in the investment system 2230 in connection with the special customer group profitability calculation server It provides a function for, and since the detailed description of the internal configuration has been described with reference to FIG.

In addition, the ledger information for the ledger D / B of the transmission system 2230 has more information than the information shown in the ledger D / B of the transmission system 2230 shown in Figure 26, but for calculating the profitability of the special customer group Only information is shown.

27 is a system for calculating the profitability of a special customer, comprising at least one fund product profitability information for a special customer for profitability calculation of a special customer group, and at least one new fund product profitability information for the special customer according to an embodiment of the present invention. It shows the operation flow of.

More specifically, Figure 27 shows the ledger information from the ledger D / B of the transmission system 2230 shown in Figure 22 and the two conditions of the special customer group through the special customer group profitability calculation server shown in Figure 26 In the process of calculating profitability information for (fund product profitability information for special customers and new fund product profitability information for special customers), and storing the calculated profitability information in the D / B of the special customer group profitability calculation server As related to the present invention, one of ordinary skill in the art to which the present invention pertains may refer to various embodiments of a system for calculating profitability of a special customer group with reference to this drawing 27. It includes, but is not limited to, all the methods of inferred above.

Hereinafter, in Figure 27, the special customer group profitability calculation server shown in Figure 26 is referred to as "server" for convenience.

Referring to FIG. 27A, the server accesses the transmission system 2230 through a predetermined communication network, requests the server to provide ledger information of the transmission system 2230 ledger D / B for the profitability calculation. In response, the transmission system 2230 provides the ledger information of the ledger D / B to the server (2700a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the transmission system 2230, and fund product information associated with the customer information.

In addition, the customer information 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 fund product information preferably comprises at least one derivatives fund, overseas funds, equity funds, mixed funds, bond funds, MMF funds.

Herein, the derivatives fund preferably refers to an equity linked fund (ELF), an index fund, or the like.

In addition, the equity index fund invests most of the fund's assets in safe assets such as government bonds and high-quality corporate bonds to secure the principal at maturity, and incorporates the Warrant issued by the securities company. It is preferable to mean a structured product that allows fund returns to be linked to stock prices.

In addition, it is preferable that the index fund refers to a commodity that aims to realize the average profit of the market by constructing and operating a portfolio linked to the movement of the stock index on the premise of the long-term growth trend of the stock market.

In addition, it is preferable that the overseas fund means an overseas investment fund, offshore fund, reindirect fund, or the like.

In addition, it is preferable that the equity fund means a product invested in stocks, bonds, stock index futures, stock index options, and the like.

In addition, it is preferable that the mixed fund means a product or the like which is simultaneously invested in stocks and bonds.

In addition, it is preferable that the bond fund means a product that invests only in bonds.

In addition, the MMF fund is preferably referred to as a commercial paper (CP), certificate of deposit (CD).

Thereafter, the server extracts information corresponding to the special customer group from the ledger information provided from the transmission system 2230 (2705a).

When extracting information about a group other than the special customer group from the fund product information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in this figure 27a, only the portion of the special customer group is processed. (2710a).

Thereafter, the server checks the profitability information of the securities product corresponding to the special customer group (2715a), and stores and registers the confirmed profitability information in the server D / B (2720a).

Herein, the fund product profitability information of the fund product information for the special customer is the handling fee income by the overseas fund, the operating fee income by the overseas fund, the middle repayment commission income by the overseas fund, and the operation by the equity fund. Commission income, mid-term refund commission income from equity-type funds, mid-term refund commission income from stock-type funds, operating commission income from bond-type funds, mid-term refund commission income from bond-type funds, mid-term refund commission income from bond-type funds, mixed funds Revenue from Management Fees, Pre-Revenue Fees by Mixed Funds, Revenue Fees by Mixed Funds, Revenue from Management Fees by MMFs, Revenues by Prepayment Fees by MMFs, Revenue by Derivatives Revenue from Management Fee, Pre-Revenue from Derivatives, Revenue from Derivatives It comprises at least one sheet or the like fees are preferred.

Referring to FIG. 27B, the server accesses the transmission system 2230 through a predetermined communication network, requests the server to provide ledger information of the transmission system 2230 ledger D / B for the profitability calculation. In response, the transmission system 2230 provides the ledger information of the ledger D / B to the server (2700b).

Here, the ledger information preferably refers to new fund product information associated with customer information and customer information stored and registered in the ledger D / B of the transmission system 2230.

In addition, the customer information 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 fund product information preferably comprises at least one derivatives fund, overseas funds, equity funds, mixed funds, bond funds, MMF funds.

Herein, the derivatives fund preferably refers to an equity linked fund (ELF), an index fund, or the like.

In addition, the equity index fund invests most of the fund's assets in safe assets such as government bonds and high-quality corporate bonds to secure the principal at maturity, and incorporates the Warrant issued by the securities company. It is preferable to mean a structured product that allows fund returns to be linked to stock prices.

In addition, it is preferable that the index fund refers to a product that aims to realize an average profit of the market by constructing and operating a portfolio linked to the movement of the stock price index on the premise of the long-term growth trend of the stock market.

In addition, it is preferable that the overseas fund means an overseas investment fund, offshore fund, reindirect fund, or the like.

In addition, it is preferable that the equity fund means a product invested in stocks, bonds, stock index futures, stock index options, and the like.

In addition, it is preferable that the mixed fund means a product or the like which is simultaneously invested in stocks and bonds.

In addition, it is preferable that the bond fund means a product that invests only in bonds.

In addition, the MMF fund is preferably referred to as a commercial paper (CP), certificate of deposit (CD).

Thereafter, the server extracts the information corresponding to the special customer group from the ledger information provided from the transmission system 2230 (2705b).

If information about groups other than the special customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 27d, only the part of the special customer group is processed. (2710b).

Thereafter, the server checks profitability information of the account corresponding to the special customer group (2715b), and stores and registers the confirmed profitability information in the server D / B (2720b).

Herein, the new fund product profitability information for the new fund product information for the special customer is based on the potential operating fee income by the overseas fund, the potential operating fee income by the equity fund, the potential operating fee income by the bond fund, and the mixed fund. It is preferable to include at least one of the potential operating fee revenues by the MMF, potential operating fee revenues by the MMF, potential operating fee revenues by the derivatives.

Figure 28 shows a system configuration for calculating the profitability of the corporate customer group according to the embodiment of the present invention.

More specifically, Figure 28 shows customer information (e.g. social security number, customer name, etc.), one or more fund product information (e.g., derivatives fund, overseas fund, stock type) associated with the customer information for calculating profitability of the corporate customer group. Funds, mixed funds, bond funds, MMF funds), or one or more new fund product information associated with the customer information is provided from the investment system 2230, and extracts the information corresponding to the corporate customer group, the extracted Checking the information about the corporate customer group from the information, showing the internal configuration of the system for calculating the profitability for the corporate customer, if the person having ordinary knowledge in the field of the present invention, with reference to this figure 28 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 28. It includes all exemplary method.

Here, the customer information 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 fund product information preferably comprises at least one derivatives fund, overseas funds, equity funds, mixed funds, bond funds, MMF funds.

Herein, the derivatives fund preferably refers to an equity linked fund (ELF), an index fund, or the like.

In addition, the equity index fund invests most of the fund's assets in safe assets such as government bonds and high-quality corporate bonds to secure the principal at maturity, and incorporates the Warrant issued by the securities company. It is preferable to mean a structured product that allows fund returns to be linked to stock prices.

In addition, it is preferable that the index fund refers to a commodity that aims to realize the average profit of the market by constructing and operating a portfolio linked to the movement of the stock index on the premise of the long-term growth trend of the stock market.

In addition, it is preferable that the overseas fund means an overseas investment fund, offshore fund, reindirect fund, or the like.

In addition, it is preferable that the equity fund means a product invested in stocks, bonds, stock index futures, stock index options, and the like.

In addition, it is preferable that the mixed fund means a product or the like which is simultaneously invested in stocks and bonds.

In addition, it is preferable that the bond fund means a product that invests only in bonds.

In addition, the MMF fund is preferably referred to as a commercial paper (CP), certificate of deposit (CD).

According to the implementation method of the present invention, the profitability calculation system of the corporate customer group of the corporate customer group

Corporate customer group profitability calculation for calculating the profitability of the corporate customer group, which includes at least one of profitability calculation by the fund product, or profitability calculation by joining a new fund product, at least one of the branch (or branch) of the financial institution And a transmission system 2230 for providing at least one or more financial transactions (eg, fund product purchase, fund product redemption, etc.) through the face-to-face or non-face-to-face financial transaction channel.

The corporate customer group profitability calculation server includes customer information, one or more fund product information (eg, derivatives fund, overseas fund, stock fund, mixed fund, bond fund, MMF fund) associated with the customer information, or the customer. Extracting at least one new fund product information associated with the information from the transmission system 2230, it is preferable to check the profitability of the corporate customer group according to the customer information, referring to Figure 28, the corporate customer group Profitability is made up of profits for the corporate customer group, including operating profit less the revenue generation costs of the corporate customer group required for the generation of revenue, and the revenue generation expenses are the funds to which the customer has subscribed. Comprising at least one of the costs, such as direct and indirect costs for employees who sell goods containing products to customers It is preferably

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 group profitability calculation server may include a D / B for storing profitability calculation results for each corporate customer, or a separate D / B server and communication network having a D / B for storing profitability calculation results for each window customer. Interlocked.

Referring to FIG. 28, the corporate customer group profitability calculation server is an information receiver 2805 (or information receiving means) for receiving information from the ledger D / B in association with the external system 2235 of the transmission system 2230. An information extraction unit 2810 (or information extraction means) for extracting necessary information from the information received from the ledger D / B, and an information confirmation unit 2815 (or information confirmation) for confirming the information extracted from the ledger D / B. Means), a profitability calculation unit 2820 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 2825 (or information storage means) for storing the profitability calculation information in the D / B. It is characterized by comprising a).

Here, the ledger D / B is a D / B provided in the transmission system 2230, and the ledger D / B preferably includes customer information and fund product information necessary for calculating profitability for the corporate customer group.

According to an embodiment of the present invention, the information receiving unit 2805 may include information including at least one of customer information, one or more fund product information associated with the customer information, one or more new fund product information associated with the customer information, and the like. The ledger information is received from the ledger D / B in association with the external system 2235 of the transmission system 2230 and provided to the information extraction unit 2810.

Here, the ledger information preferably includes customer information and fund product information requested from the corporate customer group profitability calculation server to the transmission system 2230 in order to calculate profitability for the corporate customer group.

According to the exemplary embodiment of the present invention, the information extractor 2810 may include the customer information received by the information receiver 2805, one or more fund product information associated with the customer information, or one or more new information associated with the customer information. Information about the corporate customer is extracted from the fund product information and provided to the information verification unit 2815.

According to an exemplary embodiment of the present invention, the information checking unit 2815 may include the customer information extracted by the information extracting unit 2810, one or more fund product information associated with the customer information, or one or more new information associated with the customer information. In the fund product information, the corporate customer is identified from the information on the corporate customer and provided to the profitability calculation unit 2820.

According to the method of the present invention, the fund product profitability information includes at least one fund product profitability information including financial elements corresponding to the ledger, and at least one fund product profitability information including non-financial elements other than the ledger. It is preferable to make it.

The profitability calculation unit 2820 calculates corporate customer profitability by linking with profitability information for the corporate customer including at least one fund product profitability information for the corporate customer provided by the information checking unit 2815. The calculated corporate customer information and profitability information for the corporate customer are provided to the information storage unit 2825.

According to the implementation method of the present invention, the profitability calculation unit 2820 is characterized in calculating the profitability information, including the profit by the fund product information for the corporate customer.

Here, the fund product profitability information of the fund product information for the enterprise customer is the handling fee income by overseas funds, the management fee revenues by overseas funds, the mid-term refund commission income by overseas funds, management by equity funds Commission income, mid-term refund commission income from equity-type funds, mid-term refund commission income from stock-type funds, operating commission income from bond-type funds, mid-term refund commission income from bond-type funds, mid-term refund commission income from bond-type funds, mixed funds Revenue from Management Fees, Pre-Revenue Fees by Mixed Funds, Revenue Fees by Mixed Funds, Revenue from Management Fees by MMFs, Revenues by Prepayment Fees by MMFs, Revenue by Derivatives Revenue from Management Fee, Pre-Revenue from Derivatives, Revenue from Derivatives It comprises at least one sheet or the like fees are preferred.

In addition, the profitability calculation unit 2820 may calculate profitability information including profits based on new fund product information for the corporate customer.

Herein, the new fund product profitability information for the new fund product information for the corporate client is based on the potential operating fee income by the overseas fund, the potential operating fee income by the equity fund, the potential operating fee income by the bond fund, and the mixed fund. It is preferable to include at least one of the potential operating fee revenues by the MMF, potential operating fee revenues by the MMF, potential operating fee revenues by the derivatives.

According to the implementation method of the present invention, the trust system 2230 is linked with the corporate customer group profitability calculation server provides the ledger information to the corporate customer group profitability calculation server in connection with the ledger D / B inside the investment system 2230 It provides a function for, and since the detailed description of the internal configuration has been described with reference to FIG.

In addition, the ledger information of the ledger D / B of the trust system 2230 has more information than the information shown in the ledger D / B of the trust system 2230 shown in Figure 28, but for calculating the corporate customer group profitability Only information is shown.

29 is a system for calculating the corporate customer profitability comprising at least one fund product profitability information for the enterprise customer, the new fund product profitability information for the enterprise customer according to the implementation method of the present invention It shows the operation flow of.

In more detail, FIG. 29 shows the ledger information from the ledger D / B of the transmission system 2230 shown in FIG. 22, and the two conditions of the corporate customer group through the enterprise customer group profitability calculation server shown in FIG. In the process of calculating profitability information for (fund product profitability information for corporate customers and new fund product profitability information for corporate customers) and storing the calculated profitability information in the D / B of the corporate customer group profitability calculation server As related to the present invention, one of ordinary skill in the art to which the present invention pertains may refer to various embodiments of the system for calculating the profitability of the corporate customer group with reference to this drawing. It includes, but is not limited to, all the methods of inferred above.

Hereinafter, in Figure 29, the corporate customer group profitability calculation server shown in Figure 28 is referred to as "server" for convenience.

Referring to FIG. 29A, the server accesses the transmission system 2230 through a predetermined communication network, requests the server to provide ledger information of the transmission system 2230 ledger D / B for the profitability calculation. In response, the transmission system 2230 provides the ledger information of the ledger D / B to the server (2900a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the transmission system 2230, and fund product information associated with the customer information.

In addition, the customer information 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 fund product information preferably comprises at least one derivatives fund, overseas funds, equity funds, mixed funds, bond funds, MMF funds.

Herein, the derivatives fund preferably refers to an equity linked fund (ELF), an index fund, or the like.

In addition, the equity index fund invests most of the fund's assets in safe assets such as government bonds and high-quality corporate bonds to secure the principal at maturity, and incorporates the Warrant issued by the securities company. It is preferable to mean a structured product that allows fund returns to be linked to stock prices.

In addition, it is preferable that the index fund refers to a commodity that aims to realize the average profit of the market by constructing and operating a portfolio linked to the movement of the stock index on the premise of the long-term growth trend of the stock market.

In addition, it is preferable that the overseas fund means an overseas investment fund, offshore fund, reindirect fund, and the like.

In addition, it is preferable that the equity fund means a product invested in stocks, bonds, stock index futures, stock index options, and the like.

In addition, it is preferable that the mixed fund means a product or the like which is simultaneously invested in stocks and bonds.

In addition, it is preferable that the bond fund means a product that invests only in bonds.

In addition, the MMF fund is preferably referred to as a commercial paper (CP), certificate of deposit (CD).

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the transmission system 2230 (2905a).

When extracting information about a group other than the corporate customer group from the fund product information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in this figure 29a, only the portion of the corporate customer group is processed. (2910a).

Thereafter, the server checks the profitability information of the securities product corresponding to the corporate customer group (2915a), and stores and registers the confirmed profitability information in the server D / B (2920a).

Here, the fund product profitability information of the fund product information for the enterprise customer is the handling fee income by overseas funds, the management fee revenues by overseas funds, the mid-term refund commission income by overseas funds, management by equity funds Commission income, mid-term refund commission income from equity-type funds, mid-term refund commission income from stock-type funds, operating commission income from bond-type funds, mid-term refund commission income from bond-type funds, mid-term refund commission income from bond-type funds, mixed funds Revenue from Management Fees, Pre-Revenue Fees by Mixed Funds, Revenue Fees by Mixed Funds, Revenue from Management Fees by MMFs, Revenues by Prepayment Fees by MMFs, Revenue by Derivatives Revenue from Management Fee, Pre-Revenue from Derivatives, Revenue from Derivatives It comprises at least one sheet or the like fees are preferred.

Referring to FIG. 29B, the server connects to the transmission system 2230 through a predetermined communication network, requests the server to provide ledger information of the transmission system 2230 ledger D / B for the profitability calculation. In response, the transmission system 2230 provides the ledger information of the ledger D / B to the server (2900b).

Here, the ledger information preferably refers to new fund product information associated with customer information and customer information stored and registered in the ledger D / B of the transmission system 2230.

In addition, the customer information 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 fund product information preferably comprises at least one derivatives fund, overseas funds, equity funds, mixed funds, bond funds, MMF funds.

Herein, the derivatives fund preferably refers to an equity linked fund (ELF), an index fund, or the like.

In addition, the equity index fund invests most of the fund's assets in safe assets such as government bonds and high-quality corporate bonds to secure the principal at maturity, and incorporates the Warrant issued by the securities company. It is preferable to mean a structured product that allows fund returns to be linked to stock prices.

In addition, it is preferable that the index fund refers to a commodity that aims to realize the average profit of the market by constructing and operating a portfolio linked to the movement of the stock index on the premise of the long-term growth trend of the stock market.

In addition, it is preferable that the overseas fund means an overseas investment fund, offshore fund, reindirect fund, or the like.

In addition, it is preferable that the equity fund means a product invested in stocks, bonds, stock index futures, stock index options, and the like.

In addition, it is preferable that the mixed fund means a product or the like which is simultaneously invested in stocks and bonds.

In addition, it is preferable that the bond fund means a product that invests only in bonds.

In addition, the MMF fund is preferably referred to as a commercial paper (CP), certificate of deposit (CD).

Thereafter, the server extracts the information corresponding to the corporate customer group from the ledger information provided from the transmission system 2230 (2905b).

If information on groups other than the corporate customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in this figure 29d, only the portion of the corporate customer group is processed. (2910b).

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (2915b), and stores and registers the confirmed profitability information in the server D / B (2920b).

Herein, the new fund product profitability information for the new fund product information for the corporate client is based on the potential operating fee income by the overseas fund, the potential operating fee income by the equity fund, the potential operating fee income by the bond fund, and the mixed fund. It is preferable to include at least one of the potential operating fee revenues by the MMF, potential operating fee revenues by the MMF, potential operating fee revenues by the derivatives.

30 is a trust personal customer group profit calculation server 2200, a trust PB customer group profit calculation server 2400, a trust special customer group profit calculation server 2600, a trust company customer profit margin calculation server according to an embodiment of the present invention. A system configuration for storing validity and valid profitability information received from profitability information from 2800 is illustrated.

In more detail, Figure 30 shows the individual customer group, PB customer group, special customer group, corporate customer group customer information (e.g. social security number, customer name, etc.), individual customer group profitability calculations using the profitability information associated with the customer information Profitability calculation server (2200), Trusted PB customer group profitability calculation server (2400), Trusted special customer group profitability calculation server (2600), Trusted corporate customer group profitability calculation server (2800), personal customer group profitability information, PB customer group The internal structure of the system for confirming the validity of the profitability information, the special customer group profitability information, the corporate customer group profitability information, and storing and registering the validated profitability information is shown. Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of the integrated communications with reference to this drawing 30, but the present invention Not limited to the figure 30, it comprises all of the embodiments how the inference.

Here, the customer information 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 profitability information may include fund product profitability information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF fund), and new fund product profitability information.

Here, the profitability information of the fund product includes the handling fee income by overseas fund, the operating fee income by overseas fund, the middle repayment commission income by overseas fund, the operating fee income by equity fund, and the central repayment fee by equity fund. Revenues, Revenue from Medium Revenue Fees by Equity Funds, Revenue from Management Fees by Bond Type Funds, Revenues by Central Revenue Fees by Bond Funds, Revenues by Central Revenue Fees by Bond Funds, Revenue from Management Fees by Mixed Funds, and Interim by Mixed Funds Revenue commission income, mid-term refund commission income by mixed funds, operating commission income by MMF, mid-term purchase commission income by MMF, mid-term purchase commission income by MMF, operating commission income by derivatives, mid-term buyback by derivatives Include at least one of commission income, middle refund commission income from derivatives, etc. It is preferable to make it.

According to the implementation method of the present invention, the integrated investment profitability calculation system comprises at least one of the profitability information of the individual customer group, the profitability information of the PB customer group, the profitability information of the special customer group, the profitability information of the corporate customer group Integrate customer profit calculation server (3000) to calculate integrated profitability information, calculate profitability by linking profitability information of individual customer groups with investment system (2230) and provide profitability information to the investment integration customer profit calculation server (3000) Investor PB customer group that provides profitability information by calculating profitability by linking profitability calculation server (2200) and profitability information of PB customer group with investment system (2230). Profitability calculation server (2400), the profitability information of the special customer group in connection with the investment system (2230) to calculate the profitability Trusted Special Customer Group Profitability Calculation Server (2600) that provides profitability information to the Total Customer Profitability Calculation Server (3000) At least one financial transaction (eg , Fund product purchase, fund product repurchase, etc.) is characterized in that it comprises a transmission system 2230 for providing a service.

The investment integration customer profit calculation server 3000 is a personal information group profit calculation server (2200), investment PB customer group profit calculation server (2400), and profitability of the special customer group Received from the calculation server (2600), the trustworthy corporate customer group profitability calculation server (2800), it is preferable to check the individual customer group profitability, PB customer group profitability, special customer group profitability, corporate customer group profitability according to the customer information Do.

In addition, the profitability of the individual customer group is made from the profit for the individual customer group including the operating profit less the revenue generation cost of the personal customer group required for the generation of revenue, the revenue generation cost is It is preferable to include at least one or more of costs, such as direct costs and indirect costs for the employee who sells a product including the fund product to the customer 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.

In addition, the profitability of the PB customer group includes an operating profit less the revenue generation cost of the PB customer group required to generate the revenue from the revenue for the PB customer group, and the revenue generation cost is It is preferable to include at least one or more of costs, such as direct costs and indirect costs for the employee who sells a product including the fund product to the customer to the customer.

In addition, the profitability of the special customer group includes an operating profit less the revenue generation cost of the special customer group required for the generation of revenue from the revenue for the special customer group, the cost of the revenue generation It is preferable to include at least one or more of costs, such as direct costs and indirect costs for the employee who sells a product including the fund product to the customer to the customer.

In addition, the profitability of the corporate customer group includes an operating profit less the revenue generation cost of the corporate customer group required to generate the revenue from the revenue for the corporate customer group, the cost of the revenue generation It is preferable to include at least one or more of costs, such as direct costs and indirect costs for the employee who sells a product including the fund product to the customer 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 communication customer profit calculation server 3000 has a D / B for storing the profitability calculation results for each group, or a separate D / B server and communication network having a D / B for saving the profitability calculation results for each group. It is linked through.

Referring to FIG. 30, the transmission integrated customer profit calculation server 3000 receives the customer information of the individual customer group and the personal customer group profitability information associated with the customer information from the transmission personal customer group profitability calculation server 2200. Or receiving the customer information of the PB customer group, the PB customer group profitability information associated with the customer information from the transmission PB customer group profitability calculation server 2400, or the special customer group from the transmission special customer group profitability calculation server 2600. Receive customer information, special customer group profitability information associated with the customer information, or the corporate customer group profitability information associated with the customer information from the client enterprise group profitability calculation server 2800 Information receiving unit 3005 (or information receiving means) comprising at least one function for receiving, the profitable personal customer group profitable Information checking unit 3010 to check the information received from the exit server 2200, the investment PB customer group profitability calculation server 2400, the investment special customer group profitability calculation server 2600, the investment company customer group profitability calculation server 2800 (Or information confirmation means), and the information storage unit 3015 (or information storage means) for storing the confirmed profitability information in the D / B.

According to the embodiment of the present invention, the information receiving unit 3005 is a personal information group profitability calculation server 2200, the investment PB customer group profitability calculation server 2400, and the transmission specialty for sending customer information, profitability information associated with the customer information The customer group profitability calculation server 2600 and the trust company customer group profitability calculation server 2800 are provided to the information checking unit 3010.

According to the exemplary embodiment of the present invention, the information checking unit 3010 checks the individual customer group in the customer information received from the information receiving unit 3005 and the profitability information associated with the customer information, and stores the information storage unit 3015. Or the PB customer group in the customer information received from the information receiving unit 3005, the profitability information associated with the customer information, and providing the PB customer group to the information storing unit 3015, or the information receiving unit The special customer group is identified from the customer information received at 3005 and profitability information associated with the customer information and provided to the information storage unit 3015, or the customer information received at the information receiving unit 3005. In addition, the corporate customer group is identified from the profitability information associated with the customer information and provided to the information storage unit 3015.

According to the method of the present invention, the information storage unit 3015 is a customer-integrated customer profit calculation server of profitability information of the individual customer group, PB customer group, special customer group, corporate customer group provided by the information receiving unit 3005 ( Or a separate D / B for storing profitability information of the individual customer group, the PB customer group, the special customer group, or the corporate customer group provided by the information checking unit 3010. Interworking with D / B server and communication network.

According to the method of the present invention, the trust personal customer group profitability calculation server 2200 is provided with ledger information from the ledger D / B in the trust system 2230 in connection with the trust system 2230 profitability of the individual customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 22, it is omitted.

According to the implementation method of the present invention, the PB customer group profitability calculation server 2400 receives the ledger information from the ledger D / B in the investment system 2230 in connection with the investment system 2230 and the profitability of the PB customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 24, it is omitted.

According to the implementation method of the present invention, the specialty customer group profitability calculation server 2600 is provided with ledger information from the general ledger D / B in the trust system 2230 in connection with the trust system 2230 profitability of the special customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 26, it is omitted.

According to the implementation method of the present invention, the profitability calculation server 2800 of the trusting corporate customer group receives the ledger information from the ledger D / B in the trusting system 2230 in connection with the trusting system 2230 and the profitability of the corporate customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 28, it is omitted.

According to the implementation method of the present invention, the trust system 2230 is connected to the individual customer group profitability calculation server, PB customer group profitability calculation server, special customer group profitability calculation server, corporate customer group profitability calculation server in the bank system In conjunction with the ledger D / B, it provides functions to provide ledger information to the individual customer group profitability calculation server, PB customer group profitability calculation server, special customer group profitability calculation server, and corporate customer group profitability calculation server. Since a detailed description thereof has been described with reference to FIG. 22, it will not be shown.

In addition, the ledger information for the ledger D / B of the transmission system 2230 has more information than the information shown in the ledger D / B of the transmission system 2230 shown in Figure 30, but the individual customer group profitability calculation, PB Only the information for customer group profitability calculation, special customer group profitability calculation, corporate customer group profitability calculation is shown.

31 is a flowchart illustrating an operation of a system for checking and storing profitability information of an individual customer group, a PB customer group, a special customer group, and an enterprise customer group according to an exemplary embodiment of the present invention.

More specifically, FIG. 31 shows individual customer group profitability information from D / B of the trusted personal customer group profitability calculation server 2200 shown in FIG. 2, or the trusted PB customer group profitability calculation server 2400 shown in FIG. PB customer group profitability information from D / B, or the special customer group profitability information from the D / B of the investment special customer group profitability calculation server 2600 shown in Figure 6, or the trusted corporate customer shown in Figure 8 The four groups (individual customer group, PB customer group, and the like) are obtained from the corporate customer group profitability information from the D / B of the group profitability calculation server 2800 through the integrated integrated customer profitability calculation server 3000 shown in FIG. Special customer group, corporate customer group), and the process of storing and registering the identified information in the D / B of the integrated customer profitability calculation server 3000, the field to which the present invention belongs Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of the integrated communications with reference to this drawing 31, but the present invention is not limited to this drawing 31, and all the implementation methods inferred above Include.

Hereinafter, in FIG. 31, the integrated communication customer profit calculation server 3000 illustrated in FIG. 30 is referred to as a “server” for convenience.

Referring to FIG. 31A, the server accesses the transmission personal customer group profitability calculation server 2200 through a predetermined communication network and provides the server with customer information for profitability calculation and profitability information associated with customer information. (3100a).

In addition, the customer information 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 profitability information may include fund product profitability information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF fund), and new fund product information.

Herein, the profitability information of the fund product includes handling fee income by overseas fund, operating fee income by overseas fund, middle repayment commission income by overseas fund, operating fee income by equity fund, and middle repurchase by equity fund. Commission income, return on commissions commissioned by equity funds, return on operating commissions by bond funds, return on commissions commissioned by bond funds, return on commissions commissioned by bond funds, return on management fees by hybrid funds, mixed funds Revenue from mid-term commissions, Revenue from mid-term commissions by mixed funds, Income from operating fees by MMFs, Income by commissions by MMFs, Income by commissions by MMFs, Income by commissions by derivatives, In-between by derivatives At least one of a repurchase fee income or a middle repayment fee income from derivatives; It is preferable to comprise.

In addition, the new fund product profitability information includes potential operating fee income from overseas funds, potential operating fee revenue from equity funds, potential operating fee revenue from bond funds, potential operating fee revenue from mixed funds, and potential MMFs. It is preferable to include at least one or more management fee revenue, potential operating fee revenue from derivatives.

Thereafter, the server checks the information corresponding to the individual customer group from the profitability information provided from the transmission personal customer group profitability calculation server 2200 (3105a).

When extracting information on a group other than the individual customer group from the trusted product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 31a, only the portion of the individual customer group is processed. (3110a).

Thereafter, the server stores and registers the profitability information of the identified individual customer group in the server D / B (3115a).

Referring to FIG. 31B, the server accesses the transmission PB customer group profitability calculation server 2400 through a predetermined communication network and provides the server with customer information for profitability calculation and profitability information associated with customer information. (3100b).

In addition, the customer information 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 profitability information may include fund product profitability information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF fund), and new fund product information.

Herein, the profitability information of the fund product includes handling fee income by overseas fund, operating fee income by overseas fund, middle repayment commission income by overseas fund, operating fee income by equity fund, and middle repurchase by equity fund. Commission income, return on commissions commissioned by equity funds, return on operating commissions by bond funds, return on commissions commissioned by bond funds, return on commissions commissioned by bond funds, return on management fees by hybrid funds, mixed funds Revenue from mid-term commissions, Revenue from mid-term commissions by mixed funds, Income from operating fees by MMFs, Income by commissions by MMFs, Income by commissions by MMFs, Income by commissions by derivatives, In-between by derivatives At least one of a repurchase fee income or a middle repayment fee income from derivatives; It is preferable to comprise.

In addition, the new fund product profitability information includes potential operating fee income from overseas funds, potential operating fee revenue from equity funds, potential operating fee revenue from bond funds, potential operating fee revenue from mixed funds, and potential MMFs. It is preferable to include at least one or more management fee revenue, potential operating fee revenue from derivatives.

Thereafter, the server checks information corresponding to the PB customer group from the profitability information provided from the transmission PB customer group profitability calculation server 2400 (3105b).

If information on groups other than the PB customer group is extracted from the sent-in goods information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in this figure 31b, only the portion of the PB customer group is processed. (3110b).

Thereafter, the server stores and registers the profitability information of the identified PB customer group in the server D / B (3115b).

Referring to FIG. 31C, the server accesses the transmission special customer group profitability calculation server 2600 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (3100c).

In addition, the customer information 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 profitability information may include fund product profitability information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF fund), and new fund product information.

Herein, the profitability information of the fund product includes handling fee income by overseas fund, operating fee income by overseas fund, middle repayment commission income by overseas fund, operating fee income by equity fund, and middle repurchase by equity fund. Commission income, return on commissions commissioned by equity funds, return on operating commissions by bond funds, return on commissions commissioned by bond funds, return on commissions commissioned by bond funds, return on management fees by hybrid funds, mixed funds Revenue from mid-term commissions, Revenue from mid-term commissions by mixed funds, Income from operating fees by MMFs, Income by commissions by MMFs, Income by commissions by MMFs, Income by commissions by derivatives, In-between by derivatives At least one of a repurchase fee income or a middle repayment fee income from derivatives; It is preferable to comprise.

In addition, the new fund product profitability information includes potential operating fee income from overseas funds, potential operating fee revenue from equity funds, potential operating fee revenue from bond funds, potential operating fee revenue from mixed funds, and potential MMFs. It is preferable to include at least one or more management fee revenue, potential operating fee revenue from derivatives.

Thereafter, the server checks the information corresponding to the special customer group from the profitability information provided from the transmission special customer group profitability calculation server 2600 (3105c).

When extracting information on groups other than the special customer group from the information on the sent-in goods, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 31c, only the part of the special customer group is processed. (3110c).

Thereafter, the server stores and registers the profitability information of the identified special customer group in the server D / B (3115c).

Referring to FIG. 31D, the server accesses the transmission enterprise customer group profitability calculation server 2800 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (3100d).

In addition, the customer information 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 profitability information may include fund product profitability information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF fund), and new fund product information.

Herein, the profitability information of the fund product includes handling fee income by overseas fund, operating fee income by overseas fund, middle repayment commission income by overseas fund, operating fee income by equity fund, and middle repurchase by equity fund. Commission income, return on commissions commissioned by equity funds, return on operating commissions by bond funds, return on commissions commissioned by bond funds, return on commissions commissioned by bond funds, return on management fees by hybrid funds, mixed funds Revenue from mid-term commissions, Revenue from mid-term commissions by mixed funds, Income from operating fees by MMFs, Income by commissions by MMFs, Income by commissions by MMFs, Income by commissions by derivatives, In-between by derivatives At least one of a repurchase fee income or a middle repayment fee income from derivatives; It is preferable to comprise.

In addition, the new fund product profitability information includes potential operating fee income from overseas funds, potential operating fee revenue from equity funds, potential operating fee revenue from bond funds, potential operating fee revenue from mixed funds, and potential MMFs. It is preferable to include at least one or more management fee revenue, potential operating fee revenue from derivatives.

Thereafter, the server checks the information corresponding to the corporate customer group from the profitability information provided from the trusted corporate customer group profitability calculation server 2800 (3105d).

When extracting information on groups other than the corporate customer group from the trusted product information, processing is performed by referring to other drawings shown in the present invention according to each group, and in this figure 31d, only the portion of the corporate customer group is processed. (3110d).

Thereafter, the server stores and registers the profitability information of the identified corporate customer group in the server D / B (3115d).

32 illustrates a system configuration for calculating profitability of an individual customer group according to an exemplary embodiment of the present invention.

More specifically, FIG. 32 shows customer information (eg, social security number, customer name, etc.), one or more card information (eg, cash service history, installment transaction history, annual fee, etc.) for calculating profitability of the individual customer group. ), Or one or more loan information (eg, card loan loan, credit loan, etc.) associated with the customer information, one or more new card information, or one or more new loan information associated with the customer information from the card system 3230. Provided to extract the information corresponding to the individual customer group, and confirm the information about the individual customer group from the extracted information, showing the internal configuration of the system for calculating the profitability for the individual customer, the present invention If you have ordinary knowledge in the field, various implementations of the system for calculating the profitability of individual customer groups with reference to FIG. Would have to be inferred, the present invention is not limited to the figure 32, comprises all of the embodiments how the inference.

Here, the customer information 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 card information preferably comprises at least one or more information about the card, such as cash service history, installment transaction history, annual fee, etc. that the customer subscribed.

In addition, the loan information preferably comprises at least one or more loan information, such as card loans, credit loans subscribed by the customer.

According to the method of the present invention, the profitability calculation system of the individual customer group calculates the profitability calculation for the card of the individual customer group, the profitability calculation for the loan, or the profitability according to the new card or new loan subscription of the personal customer group. At least one financial transaction through at least one face-to-face or non-face-to-face financial transaction channel provided in a server (or branch) of an individual customer group profit calculation server for calculating the profitability of the individual customer group including at least one of (E.g., card issuance, card loan, credit loan, etc.) is characterized in that it comprises a card system 3230 for providing a service.

The personal customer group profitability calculation server extracts customer information, one or more card information or one or more loan information, new card information, or new loan information associated with the customer information from the card system 3230, and generates an individual according to the customer information. A method of checking the profitability of the customer group is preferable. Referring to FIG. 32, the profitability of the personal customer group is the profit generation cost of the personal customer group required for generating the profit from the profit for the personal customer group. Operating income is deducted, and the revenue generation cost is at least one or more of costs such as direct and indirect costs for employees who sell goods to customers, including at least one card or loan to which the customer has subscribed. It is preferable to comprise.

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 group profitability calculation server may include a D / B server for storing profitability calculation results for individual customers or a separate D / B server and communication network having a D / B for saving profitability calculation results for individual customers. It is linked through.

Referring to FIG. 32, the personal customer group profitability calculation server is an information receiver 3205 (or information receiver) for receiving information from the ledger D / B in association with the external system 3235 of the card system 3230. An information extracting unit 3210 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 3215 (or information confirmation for confirming the information extracted from the ledger D / B). Means), a profitability calculation unit 3220 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 3225 (or information storage means) for storing the profitability calculation information in the D / B. It characterized by comprising a.

Here, the ledger D / B is a D / B provided in the card system 3230, and the ledger D / B preferably includes customer information, card information, and loan information necessary for calculating profitability for an individual customer group. Do.

According to an embodiment of the present invention, the information receiving unit 3205 may include customer information, one or more card information associated with the customer information, one or more loan information associated with the customer information, or one or more new information associated with the customer information. Receiving the ledger information from the ledger D / B in association with the external system 3235 of the card system 3230 includes at least one card information or at least one new loan information associated with the customer information. The extraction unit 3210 is provided.

Here, the ledger information preferably includes customer information, card information, and loan information requested by the card system 3230 from the individual customer group profitability calculation server in order to calculate profitability for the individual customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 3210 extracts information on the individual customer from the at least one card information associated with the customer information and the customer information received by the information receiving unit 3205 and confirms the information. The information about the individual customer may be extracted from the customer information received from the information receiving unit 3205 or one or more loan information associated with the customer information, and provided to the information checking unit 3215. Alternatively, the information about the individual customer is extracted from the customer information received from the information receiving unit 3205 and one or more new card information associated with the customer information, and provided to the information checking unit 3215, or the information. The information on the individual customer is extracted from the customer information received from the receiver 3205 and at least one new loan information associated with the customer information to confirm the information. Provided to part 3215.

According to the exemplary embodiment of the present invention, the information checking unit 3215 identifies the individual customer from the information on the individual customer from the customer information extracted from the information extracting unit 3210 and at least one card information associated with the customer information. By providing the profitability calculation unit 3220 or the customer information extracted from the information extraction unit 3210, one or more loan information associated with the customer information to check the individual customer from the information on the individual customer The profitability calculation unit 3220 may be provided to the profitability calculation unit 3220, or the individual customer may be identified from the customer information extracted from the information extraction unit 3210 or at least one new card information associated with the customer information. Or to check the individual customer from the customer information extracted from the information extraction unit 3210 or one or more new loan information associated with the customer information. And provides it to the margins of the calculation unit 3220.

According to the exemplary embodiment of the present invention, the card profitability information includes at least one card profitability information including financial factors corresponding to the ledger, and card profitability information including non-financial factors other than the ledger. desirable.

The profitability calculation unit 3220 may provide card profitability information for an individual customer, loan profitability information for an individual customer, or new card profitability information for an individual customer provided by the information verification unit 3215. Characterized in that the individual customer profitability is calculated in connection with the profitability information for the individual customer including at least one new loan profitability information, and the information storage unit 3225 to the calculated personal customer information, the profitability information for the individual customer )

According to an exemplary embodiment of the present invention, the profitability calculator 3220 may include at least one profitability information such as profit by cash service, installment transaction, or annual fee by the card information for the individual customer. It is desirable to calculate profitability information.

Herein, the card profitability information of the card information of the individual customer may include at least one of commissions by cash service, interest income by cash service, commission income by installment transaction, interest income by installment transaction, and profit by annual fee. It is preferable to comprise.

In addition, the profitability calculation unit 3220 may calculate profitability information by including at least one profitability information such as profits from card loans and profits from credit loans in the loan information for the individual customer.

In this case, the loan profitability information for the loan information of the individual customer may include at least one or more commission income from card loans, interest income from card loans, commission income from credit loans, and interest income from credit loans. desirable.

In addition, the profitability calculation unit 3220 may include profitability information including at least one or more profitability information such as revenue by cash service, installment transaction, or annual fee, etc. in the newly registered card information of the individual customer. It is preferable to calculate.

Here, the new card profitability information for the new card information of the individual customer may include at least one or more potential interest income by cash service, potential interest income by installment transaction, and the like.

In addition, the profitability calculation unit 3220 may calculate profitability information by including at least one of profits from credit card loans, profits from credit loans, and the like in newly registered loan information of the individual customer.

Here, the new loan profitability information for the new loan information of the individual customer is preferably made of at least one or more potential interest income by credit card loans, potential interest income by credit loans.

According to the method of the present invention, the information storage unit 3225 stores the profitability information provided by the profitability calculation unit 3220 in a D / B provided in the personal customer group profitability calculation server, or the profitability calculation unit 3220 ) Is interlocked with a separate D / B server with a D / B that stores profitability information provided by.

According to an embodiment of the present invention, the card system 3230 may be connected to at least one or more teller terminals provided at a branch (and / or branch) of the card institution through a predetermined card network (eg, a branch network). Characterized in that, through the counter terminal provides a face-to-face card transaction service for at least one card transaction customer.

In addition, the card system 3230 may include at least one card terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or branch) of the card authority, and / or the card authority. At least one card terminal provided in at least one affiliated card organization (and / or another card agency branch) associated with it, and / or at least one card terminal provided in a public place and a predetermined card network (e.g., CD common) Network), and provides a non-face-to-face card transaction service to at least one or more card transaction customers through the card terminal.

In addition, the card system 3230 is associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (eg, wired Internet, and / or IEEE 802.11x-based 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 Provides a non-face-to-face card transaction service to at least one or more card transaction customers through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function.

In addition, the card system 3230 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 card transactions to at least one card 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 card system 3230 may be connected to a predetermined IC chip based wireless banking server, and may be based on a predetermined wireless network (eg, code division multiple access (CDMA)) through the IC chip based wireless banking server. At least one or more through at least one wireless terminal (e.g., wireless terminal equipped with a card 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 card transaction service to card transaction customers.

In addition, the card system 3230 is connected to a predetermined telebanking server, and is connected to a predetermined wired voice call network (eg, a 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 card transaction service to at least one or more card transaction customers through a GSM terminal and / or a smart phone.

In addition, the card system 3230 is 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, a digital TV and / or a refrigerator connected to a home network). Etc.) provides non-face-to-face card transaction service to at least one card transaction customer.

In addition, the card system 3230 is associated with a predetermined TV banking server, at least one digital TV (eg, interactive digital TV, connected to a predetermined return channel through the TV banking server, Satellite DMB terminal, terrestrial DMB terminal, etc.) provides non-face-to-face card transaction services to at least one card transaction customer.

Referring to FIG. 1, the card system 3230 opens at least one card system 3240 account to at least one card transaction customer, and provides at least one card transaction service based on the card system 3240 account. It is a computer system provided to a card organization to provide a card, which handles window services such as card issuance, card loans and credit loans that occur at at least one branch (or window), processes headquarters, supports branch information, and manages customer information. At least one provided in a card system 3240 and an interconnection between the card system 3230 and at least one other card system 3230 (and / or payment system), and / or at least one external communication network. The card system 3230 in the above non-face-to-face card transaction means (for example, Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) And an external system 3235 which provides various card transaction interfaces through a network access and / or at least one common network (eg, CD common network, card common network). The 3230 may perform an interface module (middleware) 3250 corresponding to a middleware platform that provides inter-component interfacing within the card system 3230, and perform respective functions on components in the card system 3230. A DBMS 3255 (DataBase Management System) including at least one database for storing and managing predetermined information (e.g., ledger information, and / or customer information, and / or management information, etc.) Characterized in that made.

In addition, the card system 3230 is a foreign exchange module (not shown) according to the intention of the person skilled in the art and / or the type and the purpose and characteristics of each card system 3230, the card system 3230 is provided. At least one component such as an investment card system 3240 (not shown) or an international module (not shown) may be further included, and a person having ordinary knowledge in the art to which the present invention pertains may include Since the technical details of the card system 3230 will be understood, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

In addition, the ledger information of the ledger D / B of the card system 3230 has more information in addition to the information shown in the ledger D / B of the card system 3230 shown in Figure 32, but for calculating the individual customer group profitability Only information is shown.

33 shows card profitability information for individual customers, loan profitability information for individual customers, new card profitability information for individual customers, and new loan profitability for individual customers according to the method of the present invention. It shows the operation flow of the system for calculating the individual customer profitability made by including at least one information.

More specifically, FIG. 33 shows the ledger information from the ledger D / B of the card system 3230 shown above, and the five conditions of the individual customer group through the individual customer group profitability calculation server shown in FIG. Profitability information for card profitability information for customers, loan profitability information for individual customers, new card profitability information for individual customers, and new loan profitability information for individual customers) is calculated. Regarding the process of storing and registering in the D / B of the calculation server, a person having ordinary knowledge in the field to which the present invention pertains will refer to FIG. It may be inferred, but the present invention is not limited to this figure 33 and includes all the inferred implementation methods.

In FIG. 33, the individual customer group profitability calculation server shown in FIG. 32 is referred to as &quot; server &quot; for convenience.

Referring to FIG. 33A, the server accesses the card system 3230 through a predetermined communication network, requests the server to provide ledger information of the card system 3230 ledger D / B for the profitability calculation. In response, the card system 3230 provides ledger information of the ledger D / B to the server (3300a).

Here, the ledger information preferably refers to card information associated with customer information and customer information stored and registered in the ledger D / B of the card system 3230.

In addition, the customer information 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 card information preferably comprises at least one or more information about the card, such as cash service history, installment transaction history, annual fee, etc. that the customer subscribed.

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the card system 3230 (3305a).

If information on groups other than the individual customer group is extracted from the card information, the processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 33a, only the part of the individual customer group is processed. (3310a).

Thereafter, the server checks the profitability information of the card corresponding to the individual customer group (3315a), and stores and registers the checked profitability information in the server D / B (3320a).

Herein, the card profitability information of the card information of the individual customer may include at least one of commissions by cash service, interest income by cash service, commission income by installment transaction, interest income by installment transaction, and profit by annual fee. It is preferable to include.

Referring to FIG. 33B, the server accesses the card system 3230 through a predetermined communication network, requests the server to provide ledger information of the card system 3230 ledger D / B for the profitability calculation. In response, the card system 3230 provides the ledger information of the ledger D / B to the server (3300b).

Here, the ledger information may refer to loan information associated with customer information and customer information stored and registered in the ledger D / B of the card system 3230.

In addition, the customer information 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.

The loan information may include at least one loan information subscribed to by a customer such as foreign exchange products, derivatives securities, and ancillary services.

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the card system 3230 (3305b).

If information about groups other than the individual customer group is extracted from the loan information, the processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. (3310b).

Thereafter, the server checks profitability information of the loan corresponding to the individual customer group (3315b), and stores and registers the checked profitability information in the server D / B (3320b).

Herein, the loan profitability information of the loan information of the individual customer may include at least one fee income from card loan loan, interest income from card loan loan, fee income from credit loan, and interest income from credit loan. desirable.

Referring to FIG. 33C, the server accesses the card system 3230 through a predetermined communication network, requests the server to provide ledger information of the card system 3230 ledger D / B for the profitability calculation. In response, the card system 3230 provides ledger information of the ledger D / B to the server (3300c).

Here, the ledger information preferably refers to new card information associated with customer information and customer information stored and registered in the ledger D / B of the card system 3230.

In addition, the customer information 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 new card information preferably comprises at least one or more information about the card, such as cash service history, installment transaction history, annual fee, etc. that the customer subscribed.

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the card system 3230 (3305c).

If information on groups other than the individual customer group is extracted from the card information, the processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 33c, only the part of the individual customer group is processed. (3310c).

Thereafter, the server checks the profitability information of the card corresponding to the individual customer group (3315c), and stores and registers the checked profitability information in the server D / B (3320c).

Here, the new card profitability information for the new card information of the individual customer is preferably made of at least one or more of the potential interest income by cash service, potential interest income by installment transaction.

Referring to FIG. 33D, the server accesses the card system 3230 through a predetermined communication network, requests the server to provide ledger information of the card system 3230 ledger D / B for the profitability calculation. In response, the card system 3230 provides the ledger information of the ledger D / B to the server (3300d).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the card system 3230 and new loan information associated with the customer information.

In addition, the customer information 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 new loan information is preferably made of at least one loan information, such as card loans, credit loans, etc. subscribed to by the customer.

Thereafter, the server extracts the information corresponding to the individual customer group from the ledger information provided from the card system 3230 (3305d).

If information on groups other than the individual customer group is extracted from the card information, the processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 33d, only the part of the individual customer group is processed. (3310d).

Thereafter, the server checks the profitability information of the card corresponding to the individual customer group (3315d), and stores and registers the checked profitability information in the server D / B (3320d).

Here, the new loan profitability information for the new loan information of the individual customer is preferably made of at least one or more potential interest income by credit card loans, potential interest income by credit loans.

34 shows a system configuration for calculating the profitability of the corporate customer group according to the embodiment of the present invention.

More specifically, FIG. 34 shows customer information (eg, social security number, customer name, etc.), one or more card information (eg, cash service history, installment transaction history, annual fee, etc.) for calculating profitability of the corporate customer group. ), Or one or more loan information (eg, card loan loan, credit loan, etc.) associated with the customer information, one or more new card information, or one or more new loan information associated with the customer information from the card system 3230. Provided to extract the information corresponding to the corporate customer group, and confirms the information on the corporate customer group from the extracted information, showing the internal configuration of the system for calculating the profitability for the corporate customer, the present invention If you have ordinary knowledge in the field, various implementations of the system for calculating the profitability of the corporate customer group with reference to this drawing 34 Would have to be inferred, the present invention is not limited to the figure 34, comprises all of the embodiments how the inference.

Here, the customer information 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 card information preferably comprises at least one or more information about the card, such as cash service history, installment transaction history, annual fee, etc. that the customer subscribed.

In addition, the loan information preferably comprises at least one or more loan information, such as card loans, credit loans subscribed by the customer.

According to the implementation method of the present invention, the profitability calculation system of the corporate customer group calculates the profitability calculation for the card of the corporate customer group, or the profitability calculation for the loan, or the profitability of the new card or new loan subscription of the corporate customer group. At least one financial transaction through at least one face-to-face or non-face-to-face financial transaction channel provided in a corporate customer group profitability calculation server and a branch (or branch) of a financial institution for calculating the profitability of the corporate customer group including at least one of (E.g., card issuance, credit card loan, credit loan, etc.) is provided with a card system 3230 for providing a service.

The corporate customer group profitability calculation server extracts customer information, one or more card information or one or more loan information, new card information, or new loan information associated with the customer information from the card system 3230, and the company according to the customer information. A method of checking the profitability of the customer group is preferable. Referring to FIG. 34, the profitability of the corporate customer group is the profit generation cost of the corporate customer group required for generating the profit from the profit for the corporate customer group. Operating income is deducted, and the revenue generation cost is at least one or more of costs such as direct and indirect costs for employees who sell goods to customers, including at least one card or loan to which the customer has subscribed. It is preferable to comprise.

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 group profitability calculation server may include a D / B for storing profitability calculation results for each corporate customer, or a separate D / B server and communication network having a D / B for storing profitability calculation results for each window customer. Interlocked.

Referring to FIG. 34, the corporate customer group profitability calculation server is an information receiver 3405 (or information receiver) for receiving information from the ledger D / B in association with the external system 3235 of the card system 3230. An information extraction unit 3410 (or information extraction means) for extracting necessary information from the information received from the ledger D / B, and an information confirmation unit 3415 (or information confirmation) for confirming the information extracted from the ledger D / B. Means), a profitability calculation unit 3420 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 3425 (or information storage means) for storing the profitability calculation information in the D / B. It characterized by comprising a.

Here, the ledger D / B is a D / B provided in the card system 3230, and the ledger D / B preferably includes customer information, card information, and loan information necessary for calculating profitability for the corporate customer group. Do.

According to an embodiment of the present invention, the information receiving unit 3405 may include customer information, one or more card information associated with the customer information, one or more loan information associated with the customer information, or one or more new information associated with the customer information. Card information, or information including at least one or more new loan information associated with the customer information in connection with the external system 3235 of the card system 3230 receives ledger information from the ledger D / B to extract the information Provided to section 3410.

Here, the ledger information preferably includes customer information, card information, and loan information requested from the corporate customer group profitability calculation server to the card system 3230 to calculate profitability for the corporate customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 3410 extracts information on an enterprise customer from at least one card information associated with the customer information and the customer information received by the information receiving unit 3405 and confirms the information. The information about the corporate customer may be extracted from the customer information received from the information receiver 3405 or one or more loan information associated with the customer information, and provided to the information verification unit 3415. Alternatively, information about an enterprise customer may be extracted from the customer information received from the information receiving unit 3405 and one or more new card information associated with the customer information, and provided to the information checking unit 3415, or the information. The information about the corporate customer is extracted by extracting information about the corporate customer from the customer information received from the receiver 3405 and one or more new loan information associated with the customer information. It provides a portion (3415).

According to the exemplary embodiment of the present invention, the information checking unit 3415 checks the corporate customer from the information on the corporate customer from the customer information extracted from the information extracting unit 3410 and at least one card information associated with the customer information. Providing to the profitability calculation unit 3420 or the customer information extracted from the information extraction unit 3410, one or more loan information associated with the customer information from the information on the corporate customer to confirm the corporate customer Providing to the profitability calculation unit 3420, or by identifying the corporate customer from the customer information extracted from the information extraction unit 3410, one or more new card information associated with the customer information to the profitability calculation unit 3420 Providing or verifying the corporate customer from the customer information extracted from the information extraction unit 3410, one or more new loan information associated with the customer information And provides it to the margins of the calculation unit 3420.

According to the exemplary embodiment of the present invention, the card profitability information includes at least one card profitability information including financial factors corresponding to the ledger, and card profitability information including non-financial factors other than the ledger. desirable.

The profitability calculator 3420 may provide card profitability information for the corporate customer, loan profitability information for the corporate customer, or new card profitability information for the corporate customer provided by the information verification unit 3415. It is characterized in that to calculate the corporate customer profitability in connection with the profitability information for the corporate customer including at least one new loan profitability information, the information storage unit 3425 to the calculated corporate customer information, the profitability information for the corporate customer )

According to an embodiment of the present invention, the profitability calculation unit 3420 may include at least one profitability information such as profit by cash service, installment transaction, or annual fee by the card information for the corporate customer. It is desirable to calculate profitability information.

Here, the card profitability information of the corporate customer's card information includes at least one of a commission by cash service, interest income by cash service, commission income by installment transaction, interest income by installment transaction, and profit by annual fee. It is preferable to comprise.

In addition, the profitability calculation unit 3420 preferably calculates profitability information by including at least one or more profitability information such as revenue from card loans and revenue from credit loans in the loan information for the corporate customer.

Herein, the loan profitability information of the loan information of the corporate customer may include at least one fee income from card loans, interest income from card loans, fee income from credit loans, and interest income from credit loans. desirable.

In addition, the profitability calculation unit 3420 may include profitability information including at least one or more profitability information such as profit by cash service, installment transaction, or annual fee. It is preferable to calculate.

Here, the new card profitability information for the new card information of the corporate customer may include at least one or more potential interest income by cash service, potential interest income by installment transaction, and the like.

In addition, the profitability calculation unit 3420 preferably calculates profitability information by including at least one of profits from credit card loans and profits from credit loans from the newly registered loan information of the corporate customer.

Here, the new loan profitability information for the new loan information of the corporate customer is preferably made of at least one or more potential interest income by credit card loans, potential interest income by credit loans.

According to the method of the present invention, the information storage unit 3425 stores the profitability information provided by the profitability calculator 3420 in a D / B provided in the corporate customer group profitability calculation server, or the profitability calculator 3420. It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in the).

According to an embodiment of the present invention, the card system 3230 provides the ledger information to the corporate customer group profitability calculation server in association with the ledger D / B in the card system 3230 in connection with the corporate customer group profitability calculation server. It provides a function for, and since the detailed description of the internal configuration has been described with reference to Figure 32, it is omitted.

In addition, the ledger information for the ledger D / B of the card system 3230 has more information than the information shown in the ledger D / B of the card system 3230 shown in Figure 34, but for calculating the corporate customer group profitability Only information is shown.

35 shows card profitability information for corporate customers, loan profitability information for corporate customers, new card profitability information for corporate customers, and new loan profitability for corporate customers according to the method of the present invention. It shows the operation flow of the system for calculating the corporate customer profitability made by including at least one information.

More specifically, Figure 35 shows the ledger information from the ledger D / B of the card system 3230 shown in Figure 32, and the five conditions of the corporate customer group through the corporate customer group profitability calculation server shown in Figure 34. Profitability information for (card profitability information for corporate customers, loan profitability information for corporate customers, new card profitability information for corporate customers, new loan profitability information for corporate customers) is calculated and the calculated profitability information is used for corporate customers. Regarding the process of storing and registering in the D / B of the group profit calculation server, a person having ordinary knowledge in the field to which the present invention belongs, various implementations of the system for calculating the profitability of the corporate customer group with reference to FIG. The method may be inferred, but the present invention is not limited to this figure 35 and includes all the inferred implementation methods.

Hereinafter, in Figure 35, the corporate customer group profitability calculation server shown in Figure 34 is referred to as "server" for convenience.

Referring to FIG. 35A, the server accesses the card system 3230 through a predetermined communication network, requests the server to provide ledger information of the card system 3230 ledger D / B for the profitability calculation. In response, the card system 3230 provides the ledger information of the ledger D / B to the server (3500a).

Here, the ledger information preferably refers to card information associated with customer information and customer information stored and registered in the ledger D / B of the card system 3230.

In addition, the customer information 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 card information preferably comprises at least one or more information about the card, such as cash service history, installment transaction history, annual fee, etc. that the customer subscribed.

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the card system 3230 (3505a).

If information on groups other than the corporate customer group is extracted from the card information, the processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 35a, only the portion of the corporate customer group is processed. (3510a).

Thereafter, the server checks the profitability information of the card corresponding to the corporate customer group (3515a), and stores and registers the checked profitability information in the server D / B (3520a).

Here, the card profitability information of the corporate customer's card information includes at least one of a commission by cash service, interest income by cash service, commission income by installment transaction, interest income by installment transaction, and profit by annual fee. It is preferable to comprise.

Referring to FIG. 35B, the server accesses the card system 3230 through a predetermined communication network, requests the server to provide ledger information of the card system 3230 ledger D / B for the profitability calculation. Correspondingly, the card system 3230 provides ledger information of the ledger D / B to the server (3500b).

Here, the ledger information may refer to loan information associated with customer information and customer information stored and registered in the ledger D / B of the card system 3230.

In addition, the customer information 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.

The loan information may include at least one loan information subscribed to by a customer such as foreign exchange products, derivatives securities, and ancillary services.

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the card system 3230 (3505b).

If information about groups other than the corporate customer group is extracted from the loan information, the processing is performed by referring to other drawings shown in the present invention according to each group, and in FIG. 35b, only the portion of the corporate customer group is processed. (3510b).

Thereafter, the server checks the profitability information of the loan corresponding to the corporate customer group (3515b), and stores and registers the checked profitability information in the server D / B (3520b).

Herein, the loan profitability information of the loan information of the corporate customer may include at least one fee income from card loans, interest income from card loans, fee income from credit loans, and interest income from credit loans. desirable.

Referring to FIG. 35c, the server accesses the card system 3230 through a predetermined communication network, requests the server to provide ledger information of the card system 3230 ledger D / B for the profitability calculation. In response, the card system 3230 provides the ledger information of the ledger D / B to the server (3500c).

Here, the ledger information preferably refers to new card information associated with customer information and customer information stored and registered in the ledger D / B of the card system 3230.

In addition, the customer information 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 new card information preferably comprises at least one or more information about the card, such as cash service history, installment transaction history, annual fee, etc. that the customer subscribed.

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the card system 3230 (3505c).

If information about groups other than the corporate customer group is extracted from the card information, the processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 35c, only the portion of the corporate customer group is processed. (3510c).

Thereafter, the server checks the profitability information of the card corresponding to the corporate customer group (3515c), and stores and registers the checked profitability information in the server D / B (3520c).

Here, the new card profitability information for the new card information of the corporate customer may include at least one or more potential interest income by cash service, potential interest income by installment transaction, and the like.

Referring to FIG. 35D, the server accesses the card system 3230 through a predetermined communication network, requests the server to provide ledger information of the card system 3230 ledger D / B for the profitability calculation. In response, the card system 3230 provides the ledger information of the ledger D / B to the server (3500d).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the card system 3230 and new loan information associated with the customer information.

In addition, the customer information 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 new loan information is preferably made of at least one loan information, such as card loans, credit loans, etc. subscribed to by the customer.

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the card system 3230 (3505d).

If information about groups other than the corporate customer group is extracted from the card information, the processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 35d, only the portion of the corporate customer group is processed. (3510d).

Thereafter, the server checks the profitability information of the card corresponding to the corporate customer group (3515d), and stores and registers the checked profitability information in the server D / B (3520d).

Here, the new loan profitability information for the new loan information of the corporate customer is preferably made of at least one or more potential interest income by credit card loans, potential interest income by credit loans.

36 is a diagram illustrating a system configuration for storing valid and valid profitability information by receiving profitability information from a card individual customer group profitability calculation server 3200 and a card corporate customer group profitability calculation server 3400 according to an embodiment of the present invention. It is.

In more detail, Figure 36 shows the personal customer group, the customer information of the corporate customer group (eg, social security number, customer name, etc.), the profitability information associated with the customer information card personal customer group profitability calculation server 3200, card corporate customers As shown in the internal configuration of the system for receiving from the group profitability calculation server 3400, the validity of the individual customer group profitability information, the corporate customer group profitability information, and for storing and registering the validated profitability information. If one of ordinary skill in the art to which the present invention pertains, various embodiments of the system for calculating card integrated profitability can be inferred with reference to this drawing 36, but the present invention is not limited to this drawing 36, It includes all methods of inference.

Here, the customer information 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.

The profitability information may include at least one of card profitability information, loan profitability information, new card profitability information, and new loan profitability information.

In addition, the card profitability information preferably comprises at least one or more of commissions by cash service, interest income by cash service, commission income by installment transaction, interest income by installment transaction, profit by annual fee, and the like.

Herein, the loan profitability information may include at least one or more of a fee income from a card loan, interest income from a card loan loan, fee income from a credit loan, and interest income from a credit loan.

According to an embodiment of the present invention, the card integrated profitability calculation system includes a card integrated customer profitability calculation server for calculating card integrated profitability information including at least one of profitability information of an individual customer group and profitability information of an enterprise customer group ( 3600), card individual customer group profitability calculation server (3200), corporate customer providing profitability information to card integrated customer profitability calculation server (3600) by calculating profitability by linking profitability information of individual customer group with card system (3230) Card corporate customer group profitability calculation server (3400) that provides profitability information to the card integrated customer profit calculation server (3600) by calculating profitability by linking the profitability information of the group with the card system 3230, a branch of a financial institution (or a branch) At least one financial transaction (eg, through one or more face-to-face or non-face-to-face financial trading channels) , By having a card system 3230 for providing a card issuer, card loans, credit, etc.) the service is characterized in that formed.

The card integrated customer profit calculation server 3600 receives customer information and profitability information associated with the customer information from a card individual customer group profit calculation server 3200 and a card corporate customer group profit calculation server 3400. It is desirable to identify individual customer group profitability and corporate customer group profitability based on information.

In addition, the profitability of the individual customer group is made from the profit for the individual customer group including the operating profit less the revenue generation cost of the personal customer group required for the generation of revenue, the revenue generation cost is It is preferable to include at least one or more of costs such as direct costs and indirect costs for the employee who sells to the customer a product containing at least one card or loan 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.

In addition, the profitability of the corporate customer group includes an operating profit less the revenue generation cost of the corporate customer group required to generate the revenue from the revenue for the corporate customer group, the cost of the revenue generation It is preferable to include at least one or more of costs such as direct costs and indirect costs for the employee who sells to the customer a product containing at least one card or loan to the customer.

The card integrated customer profit calculation server 3600 has a D / B for storing the profitability calculation results for each group, or a separate D / B server and communication network having a D / B for storing the profitability calculation results for each group. It is linked through.

Referring to FIG. 36, the card integrated customer profitability calculation server 3600 receives customer information of an individual customer group and personal customer group profitability information associated with the customer information from the card personal customer group profitability calculation server 3200. Or an information receiving unit 3605 (or information) including at least one function of receiving customer information of an enterprise customer group and enterprise customer group profitability information associated with the customer information from the card company customer group profitability calculation server 3400. Receiving means), an information checking unit 3610 (or information checking means) for confirming the information received from the card individual customer group profitability calculation server 3200, the card corporate customer group profitability calculation server 3400, the confirmed profitability And an information storage unit 3615 (or information storage means) for storing information in the D / B.

According to the exemplary embodiment of the present invention, the information receiving unit 3605 provides customer information and profitability information associated with the customer information from the card individual customer group profit calculation server 3200 and the card corporate customer group profit calculation server 3400. Received and provided to the information verification unit 3610.

According to the exemplary embodiment of the present invention, the information checking unit 3610 checks the individual customer group in the customer information received from the information receiving unit 3605 and the profitability information associated with the customer information and stores the information storage unit 3615. Or the corporate customer group in the customer information received from the information receiver 3605 and the profitability information associated with the customer information, and provide the same to the information storage unit 3615.

According to the method of the present invention, the information storage unit 3615 is provided with the D / B provided in the card integrated customer profitability calculation server 3600 for the profitability information of the individual customer group and the corporate customer group provided by the information receiver 3605. It is linked to a separate D / B server having a D / B for storing the profitability information of the individual customer group, the corporate customer group provided by the information verification unit 3610 or via a communication network.

According to the implementation method of the present invention, the card personal customer group profitability calculation server 3200 is provided with ledger information from the ledger D / B in the card system 3230 in association with the card system 3230, the profitability of the individual customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 32, it is omitted.

According to the implementation method of the present invention, the card corporate customer group profitability calculation server 3400 is provided with ledger information from the ledger D / B in the card system 3230 in association with the card system 3230 profitability of the corporate customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 34, it is omitted.

According to an embodiment of the present invention, the card system 3230 is connected to the ledger D / B in the card system 3230 to the ledger information in connection with the individual customer group profitability calculation server, the enterprise customer group profitability calculation server Providing a function to provide to the individual customer group profitability calculation server, the enterprise customer group profitability calculation server, the detailed description of the internal configuration has been described with reference to Figure 2, it will be omitted.

In addition, the ledger information of the ledger D / B of the card system 3230 has more information than the information shown in the ledger D / B of the card system 3230 shown in Figure 36, but the individual customer group profitability calculation, Only the information for calculating customer group profitability is shown.

37 is a flowchart illustrating an operation of a system for checking and storing profitability information of individual customer groups and corporate customer groups according to an embodiment of the present invention.

In more detail, FIG. 37 shows individual customer group profitability information from the D / B of the card individual customer group profitability calculation server 3200 shown in FIG. 32, or the card corporate customer group profitability calculation server 3400 shown in FIG. The corporate customer group profitability information from the D / B of the third) to check the profitability information for the two groups (individual customer group, corporate customer group) through the card integrated customer profitability calculation server (3600) shown in FIG. Regarding the process of storing and registering the checked information in the D / B of the card integrated customer profitability calculation server 3600, a person having ordinary knowledge in the field to which the present invention belongs, will refer to this card 37 Various implementation methods of the system for integrated profitability calculation may be inferred, but the present invention is not limited to this figure 37, and includes all the implementation methods inferred above.

Hereinafter, in FIG. 37, the card integrated customer profit calculation server 3600 shown in FIG. 36 is referred to as a "server" for convenience.

Referring to FIG. 37A, the server accesses the card personal customer group profitability calculation server 3200 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (3700a).

In addition, the customer information 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.

The profitability information may include at least one of card profitability information, loan profitability information, new card profitability information, and new loan profitability information.

In addition, the card profitability information preferably comprises at least one or more of commissions by cash service, interest income by cash service, commission income by installment transaction, interest income by installment transaction, profit by annual fee, and the like.

In addition, the loan profitability information preferably comprises at least one or more of the commission income from card loans, interest income from credit card loans, commission income from credit loans, interest income from credit loans and the like.

In addition, the new card profitability information preferably includes at least one or more potential interest income by cash service, potential interest income by installment transaction.

In addition, the new loan profitability information is preferably made of at least one or more potential interest income from credit card loans, potential interest income from credit loans.

Thereafter, the server checks the information corresponding to the individual customer group from the profitability information provided from the card personal customer group profitability calculation server 3200 (3705a).

If information about groups other than the individual customer group is extracted from the account information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 37a, only the portion of the individual customer group is processed. (3710a).

Thereafter, the server stores and registers the profitability information of the identified individual customer group in the server D / B (3720a).

Referring to FIG. 37B, the server accesses the card corporate customer group profitability calculation server 3400 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (3700b).

In addition, the customer information 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.

The profitability information may include at least one of card profitability information, loan profitability information, new card profitability information, and new loan profitability information.

In addition, the card profitability information preferably comprises at least one or more of commissions by cash service, interest income by cash service, commission income by installment transaction, interest income by installment transaction, profit by annual fee, and the like.

In addition, the loan profitability information preferably comprises at least one or more of the commission income from card loans, interest income from credit card loans, commission income from credit loans, interest income from credit loans and the like.

In addition, the new card profitability information preferably includes at least one or more potential interest income by cash service, potential interest income by installment transaction.

In addition, the new loan profitability information is preferably made of at least one or more potential interest income from credit card loans, potential interest income from credit loans.

Thereafter, the server checks the information corresponding to the corporate customer group from the profitability information provided from the card corporate customer group profitability calculation server 3400 (3705b).

If information about groups other than the corporate customer group is extracted from the account information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 37b, only the portion of the corporate customer group is processed. (3710b).

Thereafter, the server stores and registers the profitability information of the identified corporate customer group in the server D / B (3720b).

38 illustrates a system configuration for calculating profitability of an individual customer group according to an exemplary embodiment of the present invention.

In more detail, FIG. 38 shows customer information (eg, social security number, customer name, etc.), one or more guarantee insurance information (eg, cancer insurance, accident insurance, car insurance, Driver insurance, etc.), or one or more savings insurance information (e.g., pension insurance, education insurance, etc.) associated with the customer information, one or more new coverage insurance information, or one or more new savings insurance information associated with the customer information Received from the insurance system 3830, extracts the information corresponding to the individual customer group, and confirms the information about the individual customer group from the extracted information, showing the internal configuration of the system for calculating the profitability for the individual customer As one of ordinary skill in the art to which the present invention pertains, the profitability calculation of the individual customer group can be made with reference to this drawing 38. Although various embodiments of the system may be inferred, the present invention is not limited to this figure 38 and includes all the inferred implementation methods.

Here, the customer information 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 guarantee insurance information preferably comprises at least one or more information about the insurance coverage, such as cancer insurance, accident insurance, automobile insurance, driver insurance insurance.

In addition, the savings insurance information preferably comprises at least one or more savings insurance information subscribed to by customers such as pension insurance, education insurance.

According to the implementation method of the present invention, the profitability calculation system of the individual customer group includes the profitability calculation for the guarantee insurance of the individual customer group, or the profitability calculation for the savings insurance, or the profitability calculation for the new guarantee insurance of the individual customer group, Or at least one face-to-face or non-profit provided at a branch (or branch) of an individual customer group profit calculation server or financial institution for calculating the profitability of an individual customer group including at least one calculation of profitability resulting from the purchase of a new savings insurance. An insurance system 3830 is provided to provide at least one financial transaction (eg, insurance coverage, insurance savings, etc.) services through the face-to-face financial transaction channel.

The personal customer group profitability calculation server extracts customer information, at least one guarantee insurance information associated with the customer information, at least one savings insurance information, or new guarantee insurance information, or new savings insurance information from the insurance system (3830). Preferably, the method for checking the profitability of the individual customer group according to the customer information. Referring to FIG. 38, the profitability of the personal customer group is the individual required for generating the profit from the profit for the personal customer group. It includes operating profit less the revenue generation expenses of the customer group, and the revenue generation expenses are direct costs for employees who sell products to customers, including at least one guarantee insurance or savings insurance. And at least one of expenses such as overhead costs. It is good.

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 group profitability calculation server includes a D / B for storing the profitability calculation result for each individual customer or a separate D / B server and a communication network having a D / B for storing the profitability calculation result for each individual customer. Interlocked.

Referring to FIG. 38, the personal customer group profitability calculation server is an information receiver 3805 (or information receiving means) for receiving information from the ledger D / B in association with the external system 3835 of the insurance system 3830. An information extracting unit 3810 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 3815 (or information confirmation) for confirming the information extracted from the ledger D / B. Means), a profitability calculation unit 3820 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 3825 (or information storage means) for storing the profitability calculation information in the D / B. It characterized by comprising a.

Here, the ledger D / B is a D / B provided in the insurance system 3830, and the ledger D / B includes customer information, guarantee insurance information, and savings insurance information necessary for calculating profitability for the individual customer group. It is preferable.

According to an embodiment of the present invention, the information receiving unit 3805 may include customer information, one or more guarantee insurance information associated with the customer information, or one or more saving insurance information associated with the customer information, or one associated with the customer information. Provides ledger information from the ledger D / B in association with the external system 3835 of the insurance system 3830 including at least one new guarantee insurance information or one or more new savings insurance information linked to the customer information. Received and provided to the information extraction unit 3810.

Here, the ledger information may include customer information, guarantee insurance information, and savings insurance information requested by the insurance system 3830 from the individual customer group profitability calculation server in order to calculate profitability for the individual customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 3810 extracts information on the individual customer from the customer information received from the information receiving unit 3805 and one or more guarantee insurance information associated with the customer information. The information verification unit 3815 may be provided to the verification unit 3815 or may extract information about an individual customer from the customer information received from the information receiving unit 3805 and one or more savings insurance information associated with the customer information. Or extract information about the individual customer from the customer information received from the information receiving unit 3805 or at least one new guarantee insurance information associated with the customer information, and provide the information to the information checking unit 3815; Or one or more new savings insurance information associated with the customer information and the customer information received by the information receiving unit 3805. It extracts the information provided by the information checking unit (3815).

According to the exemplary embodiment of the present invention, the information checking unit 3815 may identify the individual customer from the information on the individual customer from the customer information extracted from the information extracting unit 3810 and one or more guarantee insurance information associated with the customer information. By providing to the profitability calculation unit 3820 or the customer information extracted from the information extraction unit 3810, one or more savings insurance information associated with the customer information from the information on the individual customer to identify the individual customer The profitability calculation unit may be provided to the profitability calculation unit 3820 or the individual customer may be identified from the customer information extracted from the information extraction unit 3810 or at least one new guarantee insurance information linked to the customer information. 3820 or one or more new savings insurances associated with the customer information or the customer information extracted by the information extraction unit 3810 The customer is identified from the information and provided to the profitability calculator 3820.

According to an embodiment of the present invention, the savings insurance profitability information, the guarantee insurance profitability information may include the savings insurance profitability information, the guarantee insurance profitability information including the financial elements corresponding to the ledger, and non-financial elements other than the ledger. It is preferable that the savings insurance profitability information, including at least one insurance profitability information including at least one.

The profitability calculation unit 3820 may be guaranteed insurance profitability information for the individual customer provided by the information verification unit 3815, savings insurance profitability information for the individual customer, or new guarantee insurance profitability information for the individual customer, or individual Calculating the individual customer profitability by linking the profitability information with respect to the individual customer including at least one new savings insurance profitability information for the customer, wherein the calculated personal customer information and the profitability information for the individual customer are calculated. It is provided to the storage unit 3825.

According to an embodiment of the present invention, the profitability calculation unit 3820 may include profits from cancer insurance, revenues from accident insurance, revenues from driver insurance, revenues from auto insurance, and the like in the guarantee insurance information for the individual customer. Profitability information is preferably calculated by including at least one profitability information.

Here, the guarantee insurance profitability information according to the guarantee insurance information of the individual customer is the profit from the payment for maintaining the cancer insurance, the profit from the payment for maintaining the insurance insurance, the profit from the driver insurance payment, the maintenance of the auto insurance subscription It is preferable to include at least one or more, such as revenue by payment for.

In addition, the profitability calculation unit 3820 may calculate profitability information by including at least one profitability information such as income from pension insurance and income from education insurance in the savings insurance information for the individual customer.

Here, the savings insurance profitability information on the savings insurance information of the individual customer may include at least one of the payment income from pension insurance, the payment income from pension insurance, the payment income from education insurance, and the payment management income from education insurance. It is preferable to comprise.

In addition, the profitability calculation unit 3820 includes at least profitability information such as profits from cancer insurance, revenues from accident insurance, revenues from driver's insurance, revenues from auto insurance, and the like. It is desirable to calculate profitability information including one or more.

Here, the new guarantee insurance profitability information for the new guarantee insurance information of the individual customer is potential revenue by payment for maintaining cancer insurance, potential revenue by payment for maintaining insurance insurance, potential revenue by driver insurance payment, It is preferable to include at least one or more potential profits due to the payment for maintaining the automobile insurance.

In addition, the profitability calculation unit 3820 may calculate profitability information by including at least one of income from pension insurance, income from education insurance, and the like from the newly registered savings insurance information of the individual customer.

Here, the new savings insurance profitability information for the new savings insurance information of the individual customer is the potential payment income by pension insurance, potential payment operation profit by pension insurance, potential payment income by education insurance, potential payment management by education insurance It is preferable to include at least one or more revenue.

According to the method of the present invention, the information storage unit 3825 stores profitability information provided by the profitability calculation unit 3820 in a D / B provided in the personal customer group profitability calculation server, or the profitability calculation unit 3820. It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in the).

According to an embodiment of the present invention, the insurance system 3830 is connected to at least one or more teller terminals provided at branches (and / or branch offices) of the insurer through a predetermined insurance network (eg, a branch network). Characterized in that, through the counter terminal provides a face-to-face insurance transaction services for at least one insurance transaction customer.

In addition, the insurance system 3830 may include at least one insurance terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the insurance institution, and / or the insurance institution. At least one insurance terminal provided in at least one affiliated insurance company (and / or another insurance agency branch), and / or at least one insurance terminal provided in a public place and a predetermined insurance network (e.g. And a non-face-to-face insurance transaction service for at least one insurance transaction customer through the insurance terminal.

In addition, the insurance system 3830 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x based) 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 insurance transaction service to at least one insurance customer through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the insurance system 3830 is characterized in that it is 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; Or non-face-to-face insurance to at least one insurance customer through a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics). Provide transaction services.

In addition, the insurance system 3830 is characterized in that 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 equipped with an insurance 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. Insurance Transactions Provide IC chip based non-face-to-face insurance transaction services to customers.

In addition, the insurance system 3830 is connected to a predetermined telebanking server, and is connected to a predetermined wired voice telephone network (eg, a 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 insurance transaction service to at least one insurance customer through a GSM terminal and / or a smartphone).

In addition, the insurance system (3830) is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network through a home banking server) Provide non-face to face insurance services to at least one insurance customer.

In addition, the insurance system (3830) 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) Non-face-to-face insurance transaction services are provided to at least one insurance transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 1, the insurance system 3830 is provided to an insurance institution to open at least one insurance account to at least one insurance transaction customer and to provide at least one insurance transaction service based on the insurance account. An accounting system, comprising: an accounting system 3840 which processes windowing services such as guarantee insurance sales and savings insurance sales occurring at at least one branch (or window), and processes headquarters operations, branch office information support, and customer information management; Interconnection between the insurance system 3830 and at least one other insurance system 3830 (and / or payment system), and / or at least one non-face-to-face insurance transaction means (e.g., the Internet) Banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) to the insurance system 3830 And an external system 3835 that provides access to and / or various insurance transaction interfaces over at least one common network (eg, CD common network, insurance common network), and also the insurance system 3830 ) Is an interface module (middleware) 3850 corresponding to a middleware platform that provides inter-component interfacing within the insurance system 3830, and for performing the respective functions in the components of the insurance system 3830. A database management system (DBMS) 3855 (DataBase Management System) comprising at least one database for storing and managing required information (eg, ledger information, and / or customer information, and / or management information, etc.). It is characterized by.

In addition, the insurance system 3830 is a foreign exchange module (not shown) according to the intention of the person skilled in the art and / or the type of each insurance institution provided with the insurance system 3830 and the purpose and characteristics of the insurance system 3830. At least one component such as an investment insurance module (not shown) or an international module (not shown) may be further included, and a person having ordinary knowledge in the art may include the insurance system ( 3830 will be familiar with the technical details, detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

In addition, the ledger information for the ledger D / B of the insurance system 3830 has more information than the information shown in the ledger D / B of the insurance system 3830 shown in Figure 38, Only information is shown.

39 shows guarantee insurance profitability information for the individual customer for profitability calculation of the individual customer group, savings insurance profitability information for the individual customer, new guarantee insurance profitability information for the individual customer, according to the embodiment of the present invention. The operation flow of the system for calculating the profitability of the individual customer made by including at least one new savings insurance profitability information is shown.

In more detail, this drawing 39 takes the ledger information from the ledger D / B of the insurance system 3830 shown in FIG. 38 and the five conditions of the individual customer group through the individual customer group profitability calculation server shown in FIG. Profitability information for (guaranteed insurance profitability information for individual customers, savings insurance profitability information for individual customers, new guarantee insurance profitability information for individual customers, and new savings insurance profitability information for individual customers) Regarding the process of storing and registering the information in the D / B of the individual customer group profitability calculation server, and having a general knowledge in the field to which the present invention belongs, referring to FIG. 39 for the profitability calculation of the individual customer group Various implementations of the system may be inferred, but the present invention is not limited to this figure 39, and all implementations inferred above. It includes.

Hereinafter, in Fig. 39, the individual customer group profitability calculation server shown in Fig. 38 is referred to as &quot; server &quot; for convenience.

Referring to FIG. 39A, the server accesses the insurance system 3830 through a predetermined communication network, requests the server to provide ledger information of the insurance system 3830 ledger D / B for the profitability calculation. In response, the insurance system 3830 provides the ledger information of the ledger D / B to the server (3900a).

Here, the ledger information preferably refers to guarantee information associated with customer information and customer information stored and registered in the ledger D / B of the insurance system 3830.

In addition, the customer information 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 guarantee insurance information preferably comprises at least one or more information about the insurance coverage, such as cancer insurance, accident insurance, automobile insurance, driver insurance insurance.

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the insurance system 3830 (3905a).

When extracting information on groups other than the individual customer group from the guarantee insurance information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 39a, only the portion of the individual customer group is processed. 3910a.

Thereafter, the server checks profitability information of the guarantee insurance corresponding to the individual customer group (3915a), and stores and registers the checked profitability information in the server D / B (3920a).

Here, the guarantee insurance profitability information according to the guarantee insurance information of the individual customer is the profit from the payment for maintaining the cancer insurance, the profit from the payment for maintaining the insurance insurance, the profit from the driver insurance payment, the maintenance of the auto insurance subscription It is preferable to include at least one or more, such as revenue by payment for.

Referring to FIG. 39B, the server accesses the insurance system 3830 through a predetermined communication network, requests the server to provide ledger information of the insurance system 3830 ledger D / B for the profitability calculation. In response, the insurance system 3830 provides the ledger information of the ledger D / B to the server (3900b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the insurance system 3830 and savings insurance information associated with the customer information.

In addition, the customer information 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 savings insurance information preferably comprises at least one or more savings insurance information subscribed to by customers such as pension insurance, education insurance.

Thereafter, the server extracts the information corresponding to the individual customer group from the ledger information provided from the insurance system 3830 (3905b).

If information about groups other than the individual customer group is extracted from the savings insurance information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 39b, only the portion of the individual customer group is processed. 3910b.

Thereafter, the server checks profitability information of the savings insurance corresponding to the individual customer group (3915b), and stores and registers the confirmed profitability information in the server D / B (3920b).

Here, the savings insurance profitability information on the savings insurance information of the individual customer may include at least one of the payment income from pension insurance, the payment income from pension insurance, the payment income from education insurance, and the payment management income from education insurance. It is preferable to comprise.

Referring to FIG. 39c, the server accesses the insurance system 3830 through a predetermined communication network, requests the server to provide the ledger information of the insurance system 3830 ledger D / B for the profitability calculation. In response, the insurance system 3830 provides the ledger information of the ledger D / B to the server (3900c).

Here, the ledger information preferably refers to customer information registered and stored in the ledger D / B of the insurance system 3830 and new guarantee insurance information associated with the customer information.

In addition, the customer information 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 new coverage insurance information preferably comprises at least one or more information about the insurance coverage, such as cancer insurance, accident insurance, automobile insurance, driver insurance insurance.

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the insurance system 3830 (3905c).

When extracting information on groups other than the individual customer group from the guarantee insurance information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 39c, only the portion of the individual customer group is processed. 3910c.

Thereafter, the server checks the profitability information of the guarantee insurance corresponding to the individual customer group (3915c), and stores and registers the confirmed profitability information in the server D / B (3920c).

Here, the new guarantee insurance profitability information for the new guarantee insurance information of the individual customer is potential revenue by payment for maintaining cancer insurance, potential revenue by payment for maintaining insurance insurance, potential revenue by driver insurance payment, It is preferable to include at least one or more potential profits due to the payment for maintaining the automobile insurance.

Referring to FIG. 39d, the server accesses the insurance system 3830 through a predetermined communication network, requests the server to provide ledger information of the insurance system ledger D / B for the profitability calculation. In response, the insurance system 3830 provides the ledger information of the ledger D / B to the server (3900d).

Here, the ledger information preferably refers to new savings insurance information associated with customer information and customer information stored and registered in the ledger D / B of the insurance system 3830.

In addition, the customer information 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 savings insurance information preferably comprises at least one or more savings insurance information subscribed to by customers such as pension insurance, education insurance.

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the insurance system 3830 (3905d).

When extracting information on groups other than the individual customer group from the guarantee insurance information, processing is performed by referring to other drawings shown in the present invention according to each group, and in FIG. 39d, only the part of the individual customer group is processed. 3910d.

Thereafter, the server checks the profitability information of the guarantee insurance corresponding to the individual customer group (3915d), and stores and registers the confirmed profitability information in the server D / B (3920d).

Here, the new savings insurance profitability information for the new savings insurance information of the individual customer is the potential payment income by pension insurance, potential payment operation profit by pension insurance, potential payment income by education insurance, potential payment management by education insurance It is preferable to include at least one or more revenue.

40 illustrates a system configuration for calculating profitability of an enterprise group according to an exemplary embodiment of the present invention.

More specifically, FIG. 40 shows customer information (eg, social security number, customer name, etc.) and one or more guarantee insurance information (eg, cancer insurance, accident insurance, car insurance, driver) associated with the customer information for calculating profitability of the corporate group. Insurance), or one or more savings insurance information (e.g., pension insurance, education insurance, etc.) associated with the customer information, one or more new coverage insurance information, or one or more new savings insurance information associated with the customer information The internal configuration of the system for calculating profitability for a company by extracting information corresponding to a company group from the system 3830 and extracting information corresponding to a company group from the extracted information is illustrated. For those of ordinary skill in the art, various systems for calculating profitability of corporate groups can be found with reference to FIG. Although the embodiment may be inferred, the present invention is not limited to this figure 40 and includes all the inferred implementation methods.

Here, the customer information 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 guarantee insurance information preferably comprises at least one or more information about the insurance coverage, such as cancer insurance, accident insurance, automobile insurance, driver insurance insurance.

In addition, the savings insurance information preferably comprises at least one or more savings insurance information subscribed to by customers such as pension insurance, education insurance.

According to the implementation method of the present invention, the profitability calculation system of the corporate group is a profitability calculation for the guarantee insurance, or a profitability calculation for the savings insurance of the corporate group, or profitability calculation for the new insurance coverage of the corporate group, or new savings Corporate group profitability calculation for calculating the profitability of a company group that includes at least one profitability calculated by insurance. Through at least one face-to-face or non-face-to-face financial transaction channel provided at a branch (or branch) of a financial institution. And an insurance system 3830 for providing at least one financial transaction (eg, insurance coverage, insurance savings, etc.) services.

The corporate group profitability calculation server extracts customer information, one or more guarantee insurance information associated with the customer information, one or more savings insurance information, or new guarantee insurance information, or new savings insurance information from the insurance system 3830, Preferably, a method of confirming the profitability of the corporate group according to the customer information. Referring to FIG. 40, the profitability of the corporate customer group is required for generating the profit from the profit for the corporate customer group. Operating income, which includes deduction of revenue generation expenses, and the revenue generation expenses are direct and indirect expenses for employees who sell products to customers, including at least one of insurance guarantees or savings insurance. It is preferable to include at least one or more of such 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.

It is preferable that the overhead costs mean expenses such as personnel expenses, living expenses after salary, eastern estate management expenses, and financial planning expenses.

The corporate group profitability calculation server has a D / B for storing profitability calculation results for each company, or is linked with a separate D / B server having a D / B for storing profitability calculation results for each window company.

Referring to FIG. 40, the corporate group profitability calculation server includes an information receiver 4005 (or information receiving means) for receiving information from the ledger D / B in association with the external system 3835 of the insurance system 3830, An information extracting unit 4010 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 4015 (or information verifying means) for confirming the information extracted from the ledger D / B. ), A profitability calculation unit 4020 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 4025 (or information storage means) for storing the profitability calculation information in the D / B. It is characterized by comprising.

Here, the ledger D / B is a D / B provided in the insurance system 3830, and the ledger D / B includes customer information, guarantee insurance information, and savings insurance information necessary to calculate profitability for the corporate group. desirable.

According to an embodiment of the present invention, the information receiving unit 4005 may include customer information, one or more guarantee insurance information associated with the customer information, or one or more saving insurance information associated with the customer information, or the customer information. Ledger information from the ledger D / B in association with the external system 3835 of the insurance system 3830 includes at least one new guarantee insurance information or at least one new savings insurance information associated with the customer information. It is provided to the information extraction unit 4010.

Here, the ledger information may include customer information, guarantee insurance information, and savings insurance information requested from the corporate group profitability calculation server to the insurance system 3830 in order to calculate profitability for the company group.

According to the exemplary embodiment of the present invention, the information extracting unit 4010 extracts information on the company from the customer information received from the information receiving unit 4005 and at least one guarantee insurance information associated with the customer information to confirm the information. The information about the company may be extracted from the customer information received from the information receiving unit 4005 or one or more savings insurance information associated with the customer information, and provided to the information checking unit 4015. Alternatively, the information about the company is extracted from the customer information received from the information receiving unit 4005 and at least one new guarantee insurance information associated with the customer information and provided to the information checking unit 4015, or the information. The company information is extracted from the customer information received from the receiver 4005 and one or more new savings insurance information associated with the customer information. It provides information to the verification unit 4015.

According to the exemplary embodiment of the present invention, the information checking unit 4015 identifies the company from the customer information extracted from the information extracting unit 4010 and information about the company from one or more guarantee insurance information associated with the customer information. The profitability calculation unit 4020 or the information extraction unit 4010 or the customer information extracted from the at least one savings insurance information associated with the customer information from the information on the company to identify the company to calculate the profitability Provided to the unit 4020 or the customer information extracted from the information extraction unit 4010, at least one new guarantee insurance information associated with the customer information to identify the company to provide to the profitability calculation unit 4020 or Or identify the company from the customer information extracted by the information extraction unit 4010 or one or more new savings insurance information associated with the customer information. And it provides it to open the profitability calculation unit (4020).

According to an embodiment of the present invention, the savings insurance profitability information, the guarantee insurance profitability information may include the savings insurance profitability information, the guarantee insurance profitability information including the financial elements corresponding to the ledger, and non-financial elements other than the ledger. It is preferable that the savings insurance profitability information, including at least one guarantee insurance profitability information including.

The profitability calculation unit 4020 may provide guarantee insurance profitability information for a company provided by the information verification unit 4015, savings insurance profitability information for a company, or new guarantee insurance profitability information for a company, or new information for a company. It is characterized by calculating the profitability of the company in connection with the profitability information for the company that includes at least one savings insurance profitability information, and provides the calculated company information, the profitability information for the company to the information storage unit 4025. .

According to the implementation method of the present invention, the profitability calculation unit 4020 is a profitability such as profits from cancer insurance, profits from accident insurance, profits from driver insurance, profits from auto insurance, etc. It is desirable to calculate profitability information by including at least one information.

Here, the guarantee insurance profitability information according to the guarantee insurance information of the company is profits due to the payment for maintaining cancer insurance, profits due to the payment for maintaining insurance insurance, profits from the driver insurance payments, to maintain the auto insurance subscription It is preferable to include at least one or more of profits due to the payment.

In addition, the profitability calculation unit 4020 may calculate profitability information by including at least one profitability information such as income from pension insurance and income from education insurance in savings insurance information for the company.

Here, the savings insurance profitability information of the savings insurance information of the company may include at least one of payments made by pension insurance, payments made by pension insurance, payments made by education insurance, and payments made by education insurance. It is preferable to comprise.

In addition, the profitability calculation unit 4020 may include at least one of profitability information such as profits from cancer insurance, revenues from accident insurance, revenues from driver's insurance, revenues from auto insurance, and the like in newly-guaranteed insurance information of the company. It is desirable to calculate profitability information including the above.

Here, the new guarantee insurance profitability information for the new guarantee insurance information of the company is potential revenue by payments for maintaining cancer insurance, potential profits by payments for maintaining insurance insurance, potential profits by driver insurance payments, automobiles It is preferable to include at least one or more potential profits due to payments for maintaining insurance.

In addition, the profitability calculation unit 4020 may calculate profitability information by including at least one of income from pension insurance, income from education insurance, and the like in newly-saved savings insurance information of the company.

Here, the new savings insurance profitability information for the new savings insurance information of the enterprise is the potential payment income from pension insurance, potential payment operation profit from pension insurance, potential payment income from education insurance, potential payment operation profit from education insurance It is preferable to include at least one or more.

According to the method of the present invention, the information storage unit 4025 stores the profitability information provided by the profitability calculation unit 4020 in the D / B provided in the corporate group profitability calculation server, or the profitability calculation unit 4020 It is linked with a separate D / B server having a D / B for storing profitability information provided by the communication network.

According to an embodiment of the present invention, the insurance system 3830 is connected with the corporate group profitability calculation server to provide the ledger information to the corporate group profitability calculation server in connection with the ledger D / B in the insurance system 3830. It provides a function, and since the detailed description of the internal configuration has been described with reference to FIG.

In addition, the ledger information for the ledger D / B of the insurance system 3830 has more information than the information shown in the ledger D / B of the insurance system 3830 shown in Figure 40, but the information for calculating the corporate group profitability Shows the bay.

41 shows guarantee insurance profitability information for a company for profitability calculation of a company group, savings insurance profitability information for a company, new guarantee insurance profitability information for a company, and new savings insurance profitability information for a company according to an embodiment of the present invention. It shows the operation flow of the system for calculating the profitability of the enterprise made up of at least one.

In more detail, the drawing 41 obtains the ledger information from the ledger D / B of the insurance system 3830 shown in FIG. 38 and the five conditions of the company group through the company group profitability calculation server shown in FIG. Profitability information for guarantee insurance profitability information, profitability information for savings insurance for companies, profitability information for new guarantee insurance for companies, profitability information for new savings insurance for companies, and calculated profitability information Regarding the process of storing and registering in the D / B of the server, a person having ordinary knowledge in the field to which the present invention belongs can infer various implementation methods of a system for calculating profitability of an enterprise group with reference to FIG. As will be appreciated, the present invention is not limited to this drawing 41 and includes all implementation methods inferred from the above.

Hereinafter, in Figure 41, the corporate group profitability calculation server shown in Figure 40 is referred to as "server" for convenience.

Referring to FIG. 41A, the server accesses the insurance system 3830 through a predetermined communication network, requests the server to provide ledger information of the insurance system ledger D / B for the profitability calculation. In response, the insurance system 3830 provides the ledger information of the ledger D / B to the server (4100a).

Here, the ledger information preferably refers to guarantee information associated with customer information and customer information stored and registered in the ledger D / B of the insurance system 3830.

In addition, the customer information 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 guarantee insurance information preferably comprises at least one or more information about the insurance coverage, such as cancer insurance, accident insurance, automobile insurance, driver insurance insurance.

Thereafter, the server extracts information corresponding to the business group from the ledger information provided from the insurance system 3830 (4105a).

If information about groups other than the corporate group is extracted from the guarantee insurance information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 41a, only the part of the corporate group is processed ( 4110a).

Thereafter, the server checks profitability information of the guarantee insurance corresponding to the corporate group (4115a), and stores and registers the checked profitability information in the server D / B (4120a).

Here, the guarantee insurance profitability information according to the guarantee insurance information of the company is profits due to the payment for maintaining cancer insurance, profits due to the payment for maintaining insurance insurance, profits from the driver insurance payments, to maintain the auto insurance subscription It is preferable to include at least one or more of profits due to the payment.

Referring to FIG. 41B, the server accesses the insurance system 3830 through a predetermined communication network, requests the server to provide the ledger information of the insurance system 3830 ledger D / B for the profitability calculation. In response, the insurance system 3830 provides the ledger information of the ledger D / B to the server (4100b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the insurance system 3830 and savings insurance information associated with the customer information.

In addition, the customer information 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 savings insurance information preferably comprises at least one or more savings insurance information subscribed to by customers such as pension insurance, education insurance.

Thereafter, the server extracts information corresponding to the business group from the ledger information provided from the insurance system 3830 (4105b).

If information about groups other than the corporate group is extracted from the savings insurance information, the respective processes are processed with reference to the other drawings shown in the present invention according to each group. 4110b).

Thereafter, the server checks profitability information of the savings insurance corresponding to the corporate group (4115b), and stores and registers the checked profitability information in the server D / B (4120b).

Here, the savings insurance profitability information of the savings insurance information of the company includes at least one payment income due to pension insurance, payment income from pension insurance, payment income from education insurance, payment operation income from education insurance, and the like. It is preferable to make it.

Referring to FIG. 41C, the server accesses the insurance system 3830 through a predetermined communication network, requests the server to provide ledger information of the insurance system 3830 ledger D / B for the profitability calculation. In response, the insurance system 3830 provides the ledger information of the ledger D / B to the server (4100c).

Here, the ledger information preferably refers to customer information registered and stored in the ledger D / B of the insurance system 3830 and new guarantee insurance information associated with the customer information.

In addition, the customer information 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 new coverage insurance information preferably comprises at least one or more information about the insurance coverage, such as cancer insurance, accident insurance, automobile insurance, driver insurance insurance.

Thereafter, the server extracts information corresponding to the business group from the ledger information provided from the insurance system 3830 (4105c).

If information about groups other than the corporate group is extracted from the insured insurance information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 4110c).

Thereafter, the server checks profitability information of the guarantee insurance corresponding to the corporate group (4115c), and stores and registers the checked profitability information in the server D / B (4120c).

Here, the new guarantee insurance profitability information for the new guarantee insurance information of the company is potential revenue by payments for maintaining cancer insurance, potential profits by payments for maintaining insurance insurance, potential profits by driver insurance payments, automobiles It is preferable to include at least one or more potential profits due to payments for maintaining insurance.

Referring to FIG. 41D, the server accesses the insurance system 3830 through a predetermined communication network, requests the server to provide ledger information of the insurance system 3830 ledger D / B for the profitability calculation. In response, the insurance system 3830 provides the ledger information of the ledger D / B to the server (4100d).

Here, the ledger information preferably refers to new savings insurance information associated with customer information and customer information stored and registered in the ledger D / B of the insurance system 3830.

In addition, the customer information 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 savings insurance information preferably comprises at least one or more savings insurance information subscribed to by customers such as pension insurance, education insurance.

Thereafter, the server extracts information corresponding to the business group from the ledger information provided from the insurance system 3830 (4105d).

When extracting information on groups other than the corporate group from the insured insurance information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 41D, only the part of the corporate group is processed ( 4110d).

Thereafter, the server checks the profitability information of the guarantee insurance corresponding to the corporate group (4115d), and stores and registers the checked profitability information in the server D / B (4120d).

Here, the new savings insurance profitability information for the new savings insurance information of the enterprise is the potential payment income by pension insurance, potential payment operation profit by pension insurance, potential payment income by education insurance, potential payment operation profit by education insurance It is preferable to include at least one or more.

42 is a diagram illustrating a system configuration for receiving validity information from an insurance individual customer group profitability calculation server 3800 and an insurance company customer group profitability calculation server 4000 according to an embodiment of the present invention and storing validity and valid profitability information. It is.

In more detail, Figure 42 shows the personal customer group, the customer information of the corporate customer group (eg, social security number, customer name, etc.), the profitability information associated with the customer information insurance personal customer group profitability calculation server (3800), insurance corporate customers As shown in the internal configuration of the system for receiving from the group profit calculation server 4000, to verify the validity of the individual customer group profitability information, corporate customer group profitability information, and to store and register the validated profitability information If one of ordinary skill in the art to which the present invention pertains, various embodiments of the system for calculating insurance integrated profitability may be inferred with reference to this drawing 42, but the present invention is not limited to this drawing 42, It includes all methods of inference.

Here, the customer information 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.

The profitability information may include at least one guarantee insurance profitability information, savings insurance profitability information, new guarantee insurance profitability information, and new savings insurance profitability information.

In this case, the guarantee insurance profitability information may include at least profits from payments for maintaining cancer insurance, payments from payments for maintaining insurance insurance, revenues from driver insurance payments, and payments from maintenance payments for auto insurance. It is preferable to include one or more

In addition, the savings insurance profitability information for the savings insurance information of the [xx customer] is at least a payment income from pension insurance, payments from pension insurance, payments from education insurance, payments from education insurance, etc. It is preferable to include one or more.

According to an embodiment of the present invention, the insurance integrated profitability calculation system includes an insurance integrated customer profitability calculation server for calculating insurance integrated profitability information including at least one of profitability information of an individual customer group and profitability information of an enterprise customer group ( 4200), the insurance individual customer group profitability calculation server (3800), which provides profitability information to the insurance integrated customer profit calculation server (4200) by calculating profitability by linking the profitability information of the individual customer group with the insurance system (3830). Insurance company customer group profitability calculation server 4000, which provides profitability information to insurance integrated customer profit calculation server 4200 by calculating profitability by linking the profitability information of the customer group with insurance system 3830; At least one financial transaction (eg, through one or more face-to-face or non-face-to-face financial channels) Insurance system 3830 for providing services such as guarantee insurance sales, savings insurance sales, etc.).

The insurance integrated customer profitability calculation server 4200 receives customer information and profitability information associated with the customer information from an insurance individual customer group profitability calculation server 3800 and an insurance company customer group profitability calculation server 4000. It is desirable to identify individual customer group profitability and corporate customer group profitability based on information.

In addition, the profitability of the individual customer group is made from the profit for the individual customer group including the operating profit less the revenue generation cost of the personal customer group required for the generation of revenue, the revenue generation cost is It is preferable that the customer includes at least one or more of costs such as direct and indirect costs for the employee who sells the product to the customer including at least one guarantee insurance or savings insurance.

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.

In addition, the profitability of the corporate customer group includes an operating profit less the revenue generation cost of the corporate customer group required to generate the revenue from the revenue for the corporate customer group, the cost of the revenue generation It is preferable that the customer includes at least one or more of costs such as direct and indirect costs for the employee who sells the product to the customer including at least one guarantee insurance or savings insurance.

The insurance integrated customer profitability calculation server 4200 has a D / B for storing the profitability calculation results for each group, or a separate D / B server and communication network having a D / B for saving the profitability calculation results for each group. It is linked through.

Referring to FIG. 42, the insurance integrated customer profitability calculation server 4200 receives customer information of an individual customer group and personal customer group profitability information associated with the customer information from the insurance individual customer group profitability calculation server 3800. Or an information receiving unit 4205 (or at least one function) for receiving corporate customer group profitability information associated with the customer customer group information and corporate customer group profitability information from the insurance corporate customer group profitability calculation server 4000 (or Information receiving means), an information checking unit 4210 (or information checking means) for confirming information received from the insurance individual customer group profitability calculation server 3800, insurance company customer group profitability calculation server 4000, the identified And an information storage unit 4215 (or information storage means) for storing profitability information in the D / B.

According to the exemplary embodiment of the present invention, the information receiving unit 4205 receives customer information and profitability information associated with the customer information from the insurance individual customer group profitability calculation server 3800 and the insurance company customer group profitability calculation server 4000. Provided to the information verification unit 4210.

According to the exemplary embodiment of the present invention, the information checking unit 4210 checks the individual customer group in the customer information received from the information receiving unit 4205 and the profitability information associated with the customer information, and stores the information storing unit 4215. Or the corporate customer group in the customer information received from the information receiving unit 4205 and the profitability information associated with the customer information, and provide it to the information storage unit 4215.

According to an exemplary embodiment of the present invention, the information storage unit 4215 may include the D / B provided in the insurance integrated customer profitability calculation server 4200 for the profitability information of the individual customer group and the corporate customer group provided by the information receiver 4205. It is linked to a separate D / B server having a D / B for storing the profitability information of the individual customer group, the corporate customer group provided by the information verification unit 4210 or via a communication network.

According to the implementation method of the present invention, the insurance individual customer group profitability calculation server 3800 receives ledger information from the ledger D / B in the insurance system 3830 in connection with the insurance system 3830, and thus the profitability of the individual customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 38, it is omitted.

According to the implementation method of the present invention, the insurance corporate customer group profitability calculation server 4000 is provided with ledger information from the ledger D / B in the insurance system 3830 in connection with the insurance system 3830, the profitability of the corporate customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 40, it is omitted.

According to the implementation method of the present invention, the insurance system 3830 is connected with the individual customer group profitability calculation server, the corporate customer group profitability calculation server and the ledger information in connection with the ledger D / B in the insurance system 3830 A function for providing the individual customer group profitability calculation server and the corporate customer group profitability calculation server is provided, and a detailed description of the internal configuration has been described with reference to FIG.

In addition, the ledger information for the ledger D / B of the insurance system 3830 has more information than the information shown in the ledger D / B of the insurance system 3830 shown in Figure 42, but the individual customer group profitability calculation, Only the information for calculating customer group profitability is shown.

43 is a flowchart illustrating an operation of a system for checking and storing profitability information of individual customer groups and corporate customer groups according to an embodiment of the present invention.

More specifically, FIG. 43 shows individual customer group profitability information from the D / B of the insurance individual customer group profitability calculation server 3800 shown in FIG. 32, or the insurance company customer group profitability calculation server 4000 shown in FIG. The corporate customer group profitability information from the D / B of the third) to check the profitability information for the two groups (individual customer group, corporate customer group) through the insurance integrated customer profitability calculation server 4200 shown in FIG. Regarding the process of storing and registering the checked information in the D / B of the insurance integrated customer profitability calculation server 4200, the person having ordinary knowledge in the field to which the present invention belongs, Various implementation methods of the system for integrated profitability calculation may be inferred, but the present invention is not limited to this figure 43, but includes all the implementation methods inferred.

Hereinafter, in FIG. 43, the insurance integrated customer profit calculation server 4200 illustrated in FIG. 42 is referred to as a “server” for convenience.

Referring to FIG. 43A, the server accesses the insurance individual customer group profitability calculation server 3800 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (4300a).

In addition, the customer information 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.

The profitability information may include at least one guarantee insurance profitability information, savings insurance profitability information, new guarantee insurance profitability information, and new savings insurance profitability information.

In this case, the guarantee insurance profitability information may include at least profits from payments for maintaining cancer insurance, payments from payments for maintaining insurance insurance, revenues from driver insurance payments, and payments from maintenance payments for auto insurance. It is preferable to include one or more.

Here, the savings insurance profitability information may include at least one or more of payments made by pension insurance, payments made by pension insurance, payments made by education insurance, and payments made by education insurance.

Here, the profitability information of the new insurance coverage is potential revenue due to payments for maintaining cancer insurance, potential profits from payments for maintaining insurance insurance, potential profits from driver insurance payments, and payments for maintenance of automobile insurance. It is desirable to include at least one or more potential revenue.

Here, the new savings insurance profitability information includes at least one potential payment income from pension insurance, potential payment operation profit from pension insurance, potential payment income from education insurance, and potential payment operation profit from education insurance. It is preferable.

Thereafter, the server checks the information corresponding to the individual customer group from the profitability information provided from the insurance individual customer group profitability calculation server 3800 (4305a).

If information about groups other than the individual customer group is extracted from the account information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 43a, only the portion of the individual customer group is processed. (4310a).

Thereafter, the server stores and registers the profitability information of the identified individual customer group in the server D / B (4315a).

Referring to FIG. 43B, the server connects to the insurance corporate customer group profitability calculation server 4000 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (4300b).

In addition, the customer information 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.

The profitability information may include at least one guarantee insurance profitability information, savings insurance profitability information, new guarantee insurance profitability information, and new savings insurance profitability information.

In this case, the guarantee insurance profitability information may include at least profits from payments for maintaining cancer insurance, payments from payments for maintaining insurance insurance, revenues from driver insurance payments, and payments from maintenance payments for auto insurance. It is preferable to include one or more.

Here, the savings insurance profitability information may include at least one or more of payments made by pension insurance, payments made by pension insurance, payments made by education insurance, and payments made by education insurance.

Here, the profitability information of the new insurance coverage is potential revenue due to payments for maintaining cancer insurance, potential profits from payments for maintaining insurance insurance, potential profits from driver insurance payments, and payments for maintenance of automobile insurance. It is desirable to include at least one or more potential revenue.

Here, the new savings insurance profitability information includes at least one potential payment income from pension insurance, potential payment operation profit from pension insurance, potential payment income from education insurance, and potential payment operation profit from education insurance. It is preferable.

Thereafter, the server checks the information corresponding to the corporate customer group from the profitability information provided from the insurance corporate customer group profitability calculation server 4000 (4305b).

If information about groups other than the corporate customer group is extracted from the account information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 43b, only the portion of the corporate customer group is processed. (4310b).

Thereafter, the server stores and registers the profitability information of the identified corporate customer group in the server D / B (4315b).

Figure 44 is a bank integrated customer profit calculation server, securities integration customer profit calculation server (2000), investment integration customer profit calculation server, card integration customer profit calculation server, insurance integration customer profit calculation server (4200) according to the embodiment of the present invention The system configuration for calculating integrated group profitability information by receiving customer information and profitability information is shown.

In more detail, Figure 44 shows the group information of individual customer group, PB customer group, special customer group, corporate customer group (for example, social security number, customer name, etc.), and profitability information associated with the customer information. , The customer profitability calculation server (2000), the investment integration customer profitability calculation server, the credit integration customer profitability calculation server, the insurance integration customer profitability calculation server (4200), the profitability information for each customer group is extracted and extracted profitability As shown in the internal configuration of the system for calculating the group integration profitability by checking the information, those skilled in the art to which the present invention belongs, various implementation methods of the system for calculating the bank integration profitability with reference to this drawing 44 It can be inferred that, but the present invention is not limited to this Figure 44, it includes all the implementation method inferred.

Here, the customer information 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.

The bank profitability information may include at least one of account profitability information, non-account profitability information, transaction profitability information, new account profitability information, and new non-account profitability information.

In addition, the account profitability information is interest income that borrows the deposits on the savings account and receives interest, or profits from the deposit operation of the savings account, or interest income that borrows the deposits on the savings account and receives the interest, or the savings It is preferable to include at least one or more of the profit from the savings management of the account, or the interest income of the loan on the loan account.

In addition, the non-account profitability information may include at least one or more handling fees for the foreign exchange product transactions, handling fees for derivatives, handling fees for securities, or handling fees for ancillary services.

In addition, the transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more

.

In addition, the new account profitability information may be loaned to the new savings account and the potential interest income that can receive interest, or the potential operating income from the deposit management of the new savings account, or loans to the new savings account It is preferable to include at least one or more of potential interest income received interest, potential operating income from the savings management of the new savings account, or potential loan interest income for the new loan account.

In addition, the new non-account profitability information may include potential interest income from transaction of foreign exchange products, potential handling fee revenue from derivatives, potential handling fee revenue from securities, or potential handling fee revenue from ancillary services. It is preferable to comprise at least one or more.

In addition, the profitability information of the securities may include one or more of securities product profitability information, securities derivatives profitability information, transaction profitability information, new securities product profitability information, and new securities derivatives profitability information.

In addition, the profitability information of the securities commodity includes the profits from the deposit operation for securities savings, the handling fees from beneficiary certificates, the profits from the deposit operation for comprehensive tax savings, the handling fees from repurchase agreements, and commercial paper bills. Fees, handling fees for negotiable deposit certificates, handling fees by wrap accounts, repurchase fees by bond funds, handling fees by bond funds, repurchase fees by mixed funds, handling fees by mixed funds, box funds It is preferable to include at least one handling fee, handling fee based on stock price-linked securities, handling fee under MMF, and the like.

In addition, the profitability information of the securities derivatives may preferably include at least one handling fee by currency futures, handling fee by interest rate futures, handling fee by futures options, and the like.

In addition, the transaction history profitability information preferably comprises at least one or more handling fees by securities transactions through the call center, handling fees by securities transactions via the Internet.

In addition, the profitability information of the new securities products includes potential operating income from securities savings deposits, potential commission income from beneficiary certificates, potential operating income from comprehensive tax savings, potential commission income from repurchase agreements, and potential commercial bills. Commission income, potential fee income from negotiable deposit certificates, potential fee income from wrap accounts, potential fee income from bond funds, potential fee income from mixed funds, potential fee income from box funds, and stock-linked securities. It is preferable to include at least one or more potential commission revenue.

In addition, the profitability information of the new securities derivatives preferably includes at least one fee income from the currency futures, fee income from interest rate futures, fee income from stock index futures, fee income from futures options, and the like. .

In addition, the investment profitability information is preferably made to include fund product profitability information.

In addition, the fund's profitability information includes: handling commission income from overseas fund, operating commission income from overseas fund, middle repayment commission income from overseas fund, operating commission income from equity fund, and mid-term repurchase by equity fund Commission income, return on commissions commissioned by equity funds, return on operating commissions by bond funds, return on commissions commissioned by bond funds, return on commissions commissioned by bond funds, return on management fees by hybrid funds, mixed funds Revenue from mid-term commissions, Revenue from mid-term commissions by mixed funds, Income from operating fees by MMFs, Income by commissions by MMFs, Income by commissions by MMFs, Income by commissions by derivatives, In-between by derivatives At least one of a repurchase fee income or a middle repayment fee income from derivatives; It is made by also being preferred.

The card profitability information may include at least one of card profitability information, loan profitability information, new card profitability information, and new loan profitability information.

In addition, the loan profitability information preferably comprises at least one or more of the commission income from card loans, interest income from credit card loans, commission income from credit loans, interest income from credit loans and the like.

In addition, the new card profitability information preferably includes at least one or more potential interest income by cash service, potential interest income by installment transaction.

In addition, the card profitability information preferably comprises at least one or more of commissions by cash service, interest income by cash service, commission income by installment transaction, interest income by installment transaction, profit by annual fee, and the like.

In addition, the new loan profitability information preferably comprises at least one or more potential interest income by credit card loans, potential interest income by credit loans.

The insurance profitability information may include at least one guarantee insurance profitability information, savings insurance profitability information, new guarantee insurance profitability information, and new savings insurance profitability information.

In addition, the profitability insurance profitability information includes at least profits from payments for maintaining cancer insurance, payments from payments for maintaining insurance insurance, revenues from driver insurance payments, and payments from maintenance payments for auto insurance. It is preferable to include one or more.

The savings insurance profitability information may preferably include at least one payment income due to pension insurance, payment income due to pension insurance, payment income due to education insurance, and payment income due to education insurance.

In addition, the new profitability insurance profitability information may include potential profits due to payments for maintaining cancer insurance, potential profits from payments for maintaining insurance insurance, potential profits from driver insurance payments, and payments for maintenance of automobile insurance. It is desirable to include at least one or more potential revenue.

In addition, the new savings insurance profitability information includes at least one potential payment income from pension insurance, potential payment operation profit from pension insurance, potential payment income from education insurance, and potential payment operation profit from education insurance. It is preferable.

According to an embodiment of the present invention, the group integrated profitability calculation system includes at least one group including profitability information of an individual customer group, profitability information of a PB customer group, profitability information of a special customer group, and profitability information of an enterprise customer group. Group integrated customer profitability calculation server for calculating profitability by customer group of bank, securities integration customer profitability calculation server (2000) for calculating profitability by customer group of securities, and integrated investment customer profitability calculation server (3000) ), Card integrated customer profit calculation server for calculating the profitability of each customer group of the card, insurance integrated customer profit calculation server (4200) for calculating the profitability of each customer group of insurance, group affiliates such as banks, securities, trust, card, insurance Or by receiving customer information and profitability information for each customer group from affiliates according to the intention of the skilled person Provided with a group of integrated customer profitability calculation server (4400) for a customer group information calculating profitability characterized in that formed.

The group integrated customer profitability calculation server 4400 may include customer information, profitability information associated with the customer information, group integrated customer profitability calculation server, securities integration customer profitability calculation server 2000, and trust integration customer profitability calculation server 3000; Card integrated customer profit calculation server 3600, insurance integrated customer profit calculation server (4200) received from the method of calculating the profitability of each customer of the group integration according to the customer information is preferred.

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

Here, the direct costs are preferably labor costs, labor costs, marketing costs, other goods costs, eastern estate maintenance costs, retirement allowances, depreciation costs, and manufacturing costs.

In addition, the overhead cost is preferably a cost such as personnel expenses, living expenses after salary, eastern estate management activities, financial planning activities.

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

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

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

In addition, the profitability of the individual customer group is made from the profit for the individual customer group including the operating profit less the revenue generation cost of the personal customer group required for the generation of revenue, the revenue generation cost is It is preferable that the customer includes at least one or more of costs such as direct and indirect costs for the employee who sells to the customer a product containing at least one securities product or securities derivatives.

In addition, the profitability of the PB customer group includes an operating profit less the revenue generation cost of the PB customer group required to generate the revenue from the revenue for the PB customer group, and the revenue generation cost is It is preferable that the customer includes at least one or more of costs such as direct and indirect costs for the employee who sells to the customer a product containing at least one securities product or securities derivatives.

In addition, the profitability of the special customer group includes an operating profit less the revenue generation cost of the special customer group required for the generation of revenue from the revenue for the special customer group, the cost of the revenue generation It is preferable that the customer includes at least one or more of costs such as direct and indirect costs for the employee who sells to the customer a product containing at least one securities product or securities derivatives.

In addition, the profitability of the corporate customer group includes an operating profit less the revenue generation cost of the corporate customer group required to generate the revenue from the revenue for the corporate customer group, the cost of the revenue generation It is preferable that the customer comprises at least one or more of the costs, such as direct and indirect costs for the employee to sell to the customer a product containing at least one securities or securities derivatives.

In addition, the profitability of the individual customer group is made from the profit for the individual customer group including the operating profit less the revenue generation cost of the personal customer group required for the generation of revenue, the revenue generation cost is It is preferable to include at least one or more of costs, such as direct costs and indirect costs for the employee who sells a product including the fund product to the customer to the customer.

In addition, the profitability of the PB customer group includes an operating profit less the revenue generation cost of the PB customer group required to generate the revenue from the revenue for the PB customer group, and the revenue generation cost is It is preferable to include at least one or more of costs, such as direct costs and indirect costs for the employee who sells a product including the fund product to the customer to the customer.

In addition, the profitability of the special customer group includes an operating profit less the revenue generation cost of the special customer group required for the generation of revenue from the revenue for the special customer group, the cost of the revenue generation It is preferable to include at least one or more of costs, such as direct costs and indirect costs for the employee who sells a product including the fund product to the customer to the customer.

In addition, the profitability of the corporate customer group includes an operating profit less the revenue generation cost of the corporate customer group required to generate the revenue from the revenue for the corporate customer group, the cost of the revenue generation It is preferable to include at least one or more of costs, such as direct costs and indirect costs for the employee who sells a product including the fund product to the customer to the customer.

In addition, the profitability of the individual customer group is made from the profit for the individual customer group including the operating profit less the revenue generation cost of the personal customer group required for the generation of revenue, the revenue generation cost is It is preferable to include at least one or more of costs such as direct costs and indirect costs for the employee who sells to the customer a product containing at least one card or loan to the customer.

In addition, the profitability of the corporate customer group includes an operating profit less the revenue generation cost of the corporate customer group required to generate the revenue from the revenue for the corporate customer group, the cost of the revenue generation It is preferable to include at least one or more of costs such as direct costs and indirect costs for the employee who sells to the customer a product containing at least one card or loan to the customer.

In addition, the profitability of the individual customer group is made from the profit for the individual customer group including the operating profit less the revenue generation cost of the personal customer group required for the generation of revenue, the revenue generation cost is It is preferable that the customer includes at least one or more of costs such as direct and indirect costs for the employee who sells the product to the customer including at least one guarantee insurance or savings insurance.

In addition, the profitability of the corporate customer group includes an operating profit less the revenue generation cost of the corporate customer group required to generate the revenue from the revenue for the corporate customer group, the cost of the revenue generation It is preferable that the customer includes at least one or more of costs such as direct and indirect costs for the employee who sells the product to the customer including at least one guarantee insurance or savings insurance.

The group integrated customer profitability calculation server 4400 includes a D / B for storing a profitability calculation result for each customer according to the group or a separate D / B for storing a profitability calculation result for each customer according to the group. Interlocked with D / B server and communication network.

Referring to FIG. 44, the group integrated customer profit calculation server 4400 receives customer information from the group integrated customer profit calculation server, and profitability information for each customer according to the customer classification of the bank associated with the customer information, or the securities. Receive customer information from the integrated customer profitability calculation server 2000, customer-specific profitability information according to the customer classification of the securities linked to the customer information, or the customer information, the customer information and the Receive customer-specific profitability information according to the customer classification of the linked investment, or receive customer information, customer-specific profitability information according to the customer classification of the card associated with the customer information from the card integrated customer profitability calculation server 3600, or Customer profitability from the insurance integrated customer profitability calculation server 4200, according to the customer classification of the insurance associated with the customer information Information receiving unit 4405 (or information receiving means), the group integrated customer profit calculation server, the securities integration customer profit calculation server 2000, the investment integration customer profit calculation server ( 3000, an information extraction unit 4410 (or information extraction means) for extracting necessary information from the information received from the card integrated customer profit calculation server 3600, the insurance integrated customer profit calculation server 4200, and the extracted information. Information checking unit 4415 (or information checking means) for confirming, a profitability calculating unit 4420 (or profitability calculating means) for calculating profitability information from the identified information, and storing the profitability calculation information in the D / B And an information storage unit 4425 (or information storage means).

According to the exemplary embodiment of the present invention, the information receiving unit 4405 may include customer information, profitability information associated with the customer information, the group integrated customer profitability calculation server, the securities integration customer profitability calculation server 2000, and the trust integration customer profitability. The calculation server 3000, the card integrated customer profit calculation server 3600, and the insurance integrated customer profit calculation server 4200 are provided to the information extraction unit 4410.

According to the exemplary embodiment of the present invention, the information extracting unit 4410 extracts the customer information for each group to which the customer belongs from the customer information provided by the information receiving unit 4405 and profitability information associated with the customer information. Provided at (4415).

Here, in addition to the method of classifying information according to the group to which the customer belongs, there is a method of disregarding the group and processing the same customer using only the customer information. In addition, the classification may be modified to extract information by various classification methods.

According to the exemplary embodiment of the present invention, the information checking unit 4415 checks the information on the individual customer group in the customer information and the profitability information associated with the customer information provided by the information extracting unit 4410 and stores the information. The information provided by the unit 4425 or the information checking unit 4415 checks the information about the PB customer group in the customer information provided by the information extracting unit 4410 and the profitability information associated with the customer information. The information providing unit 4415 may be provided to the storage unit 4425, or the information checking unit 4415 may identify information about the special customer group from the customer information provided by the information extracting unit 4410 and profitability information associated with the customer information. The information storage unit 4425 or the information checking unit 4415 checks the information on the corporate customer group in the customer information provided by the information extracting unit 4410 and the profitability information associated with the customer information. To the information provided to the storage unit (4425).

In addition, the information checking unit 4415 checks the information on the individual customer group from the customer information provided by the information extracting unit 4410 and the profitability information associated with the customer information to the profitability calculating unit 4420. Alternatively, the information checking unit 4415 may check the information about the PB customer group in the customer information provided by the information extracting unit 4410 and the profitability information associated with the customer information, and the profitability calculating unit 4420. Alternatively, or the information checking unit 4415 checks the information on the special customer group in the customer information provided by the information extracting unit 4410 and the profitability information associated with the customer information, and calculates the profitability calculating unit 4420. Or the information checking unit 4415 checks the information on the corporate customer group from the customer information provided by the information extracting unit 4410 and the profitability information associated with the customer information. Profitability and provides the calculation unit (4420).

The profitability calculator 4420 may be provided by an affiliate including at least one of the customer information and the profitability information associated with the customer information provided by the information checking unit 4415, such as a bank, a securities, a trust, a card, and an insurance. It is characterized in that to calculate the customer-specific profitability information by the integrated customer group in connection with all of the customer information, and provides the calculated customer information, the profitability information associated with the customer information to the information storage unit 4425.

According to the implementation method of the present invention, the profitability calculator 4420 may match the customer information for the individual customer group provided by the respective server and the customer matching the individual customer group in the profitability information associated with the customer information. It is preferable to calculate group integrated profitability information for individual customer groups by checking the customer information for each group provided by the server.

In addition, the profitability calculation unit 4420 may provide a group of customers who match the PB customer group in each server in the customer information about the PB customer group provided by the respective server and the profitability information associated with the customer information. It is desirable to calculate group integrated profitability information for PB customer groups by checking customer information.

In addition, the profitability calculation unit 4420 may provide the customer information for the special customer group provided by the respective servers, and the group which provides the matching customers with respect to the special customer group in the profitability information associated with the customer information at each server. It is desirable to calculate group integrated profitability information for special customer groups by checking customer information.

In addition, the profitability calculation unit 4420 is a group that provides the customer information for the enterprise customer group provided by the respective server, the customer matching the enterprise customer group in each server in the profitability information associated with the customer information in each server It is desirable to calculate group integrated profitability information for corporate customer groups by checking customer information.

According to an embodiment of the present invention, the information storage unit 4425 may include profitability information of an individual customer group, a PB customer group, a special customer group, or an enterprise customer group provided by the information checking unit 4415 or the profitability calculation unit 4420. Is stored in the D / B provided in the group integrated customer profitability calculation server 4400, or provided by the personal information group, PB customer group, special customer group, corporate provided by the information verification unit 4415 or profitability calculation unit 4420 It is linked with a separate D / B server having a D / B that stores profitability information of the customer group through a communication network.

In addition, the information storage unit checks the information on the affiliates without a transaction, the affiliates having a good transaction in association with the profitability information calculated by the profitability calculation unit 4420, and generates and stores customer information management information based on the confirmed information. The process is further included.

Here, the customer contribution management information is that if a predetermined customer is an excellent customer in the bank, the customer is transferred to another affiliated company except the bank, or if the predetermined customer is an excellent customer in the investment company, Transfer the customer to another affiliate except the securities company, or if the customer is a good customer from a securities company, or if the customer is a good customer from a card company, It is preferable to mean information that is to be transferred to other affiliates except for the card company, and if the predetermined customer is an excellent customer from the insurance company, the customer is transferred to another affiliate except the insurance company.

According to the implementation method of the present invention, the group integrated customer profit calculation server is customer information from the bank personal customer group profit calculation server, bank PB customer group profit calculation server, bank special customer group profit calculation server, bank corporate customer group profit calculation server And, receiving the profitability information associated with the customer information provides a function for calculating the profitability for each customer group, the detailed description of the internal configuration has been described with reference to Figure 10, it will be omitted.

According to the implementation method of the present invention, the securities integrated customer profit calculation server 2000 is the securities individual customer group profit calculation server, securities PB customer group profit calculation server, securities special customer group profit calculation server, securities corporate customer group profit calculation server From the customer information, the profitability information associated with the customer information is provided to provide a function for calculating the profitability for each customer group, the detailed description of the internal configuration has been described with reference to Figure 20, it is omitted.

According to the implementation method of the present invention, the integrated investment customer profit calculation server 3000 is the transmission personal customer group profit calculation server, the investment PB customer group profit calculation server, the investment special customer group profit calculation server, the investment company customer group profit calculation server From the customer information, the profitability information associated with the customer information is provided to provide a function for calculating the profitability for each customer group, the detailed description of the internal configuration has been described with reference to Figure 30, it will be omitted.

According to the implementation method of the present invention, the card integrated customer profit calculation server 3600 receives customer information and profitability information associated with the customer information from the card personal customer group profit calculation server and the card corporate customer group profit calculation server. Providing a function for calculating the profitability for each group, the detailed description of the internal configuration has been described with reference to Figure 36, it will be omitted.

According to the implementation method of the present invention, the insurance integrated customer profit calculation server 4200 is connected to the customer information, the customer information from the insurance individual customer group profitability calculation server 3800, insurance company customer group profitability calculation server 4000 Providing the function to calculate the profitability for each customer group by receiving the profitability information, the detailed description of the internal configuration has been described with reference to Figure 42, it will be omitted.

45 is a flowchart illustrating an operation flow of a system for identifying and storing profitability information for each customer of an individual customer group, a PB customer group, a special customer group, and an enterprise customer group according to an embodiment of the present invention.

In more detail, Figure 45 shows individual customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, or the above from the D / B of the group integrated customer profitability calculation server shown in FIG. Individual customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, or the data shown in FIG. 30 from the D / B of the securities integrated customer profitability calculation server 2000 shown in FIG. Individual customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information from the D / B of the integrated trust customer profit calculation server 3000, card integrated customer profit calculation server shown in FIG. Individual customer group profitability information, corporate customer group profitability information from the D / B of 3600, and the individual from the D / B of the insurance integrated customer profitability calculation server 4200 shown in FIG. The four groups (individual customer group, PB customer group, special customer group, corporate customer group) through the group integrated customer profit calculation server 4400 shown in the drawing 44 by bringing the customer group profitability information and the corporate customer group profitability information. Regarding the process of checking profitability information on and storing and registering the identified information in the D / B of the group integrated customer profitability calculation server 4400, the person having ordinary knowledge in the field to which the present invention belongs, Although various implementation methods of the system for calculating the group integrated profitability may be inferred with reference to FIG. 45, the present invention is not limited to this diagram 45, and includes all the inference methods.

Hereinafter, in FIG. 45, the group integrated customer profit calculation server 4400 shown in FIG. 44 is referred to as a "server" for convenience.

Referring to FIG. 45A, the server integrated customer profit calculation server, the security integrated customer profit calculation server 2000, the investment integration customer profit calculation server 3000, and the card integrated customer profit calculation are calculated through a predetermined communication network in the server. A server 3600 is connected to the insurance integrated customer profitability calculation server 4200, the group integrated customer profitability calculation server, the securities integration customer profitability calculation server 2000, the investment integration customer profitability calculation server 3000, and the The card integrated customer profit calculation server 3600 and the insurance integrated customer profit calculation server 4200 provide customer information for profitability calculation and profitability information associated with customer information to the server (4500a).

In addition, the customer information 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.

The bank profitability information may include at least one of account profitability information, non-account profitability information, transaction profitability information, new account profitability information, and new non-account profitability information.

In addition, the account profitability information is interest income that borrows the deposits on the savings account and receives interest, or profits from the deposit operation of the savings account, or interest income that borrows the deposits on the savings account and receives the interest, or the savings It is preferable to include at least one or more of the profit from the savings management of the account, or the interest income of the loan on the loan account.

In addition, the non-account profitability information may include at least one or more handling fees for the foreign exchange product transactions, handling fees for derivatives, handling fees for securities, or handling fees for ancillary services.

In addition, the transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more

.

In addition, the new account profitability information borrows the potential interest income that can be borrowed and receive interest on the new savings account, or the potential operating income by deposit management of the new savings account, or the deposit for the new savings account. It is preferable to include at least one or more of potential interest income received interest, potential operating income from the savings management of the new savings account, or potential loan interest income for the new loan account.

In addition, the new non-account profitability information may include potential interest income from transaction of foreign exchange products, potential handling fee revenue from derivatives, potential handling fee revenue from securities, or potential handling fee revenue from ancillary services. It is preferable to comprise at least one or more.

In addition, the profitability information of the securities may include one or more of securities product profitability information, securities derivatives profitability information, transaction profitability information, new securities product profitability information, and new securities derivatives profitability information.

In addition, the profitability information of the securities commodity includes the profits from the deposit operation for securities savings, the handling fees from beneficiary certificates, the profits from the deposit operation for comprehensive tax savings, the handling fees from repurchase agreements, and commercial paper bills. Fees, handling fees for negotiable deposit certificates, handling fees by wrap accounts, repurchase fees by bond funds, handling fees by bond funds, repurchase fees by mixed funds, handling fees by mixed funds, box funds It is preferable to include at least one of handling fees, handling fees by share price-linked securities, handling fees by MMF, and the like.

In addition, the profitability information of the securities derivatives may preferably include at least one handling fee by currency futures, handling fee by interest rate futures, handling fee by futures options, and the like.

In addition, the transaction history profitability information preferably comprises at least one or more handling fees by securities transactions through the call center, handling fees by securities transactions via the Internet.

In addition, the profitability information of the new securities products includes potential operating income from securities savings deposits, potential commission income from beneficiary certificates, potential operating income from comprehensive tax savings, potential commission income from repurchase agreements, and potential commercial bills. Commission income, potential commission revenue from negotiable deposit certificates, potential commission revenue from wrap accounts, potential commission revenue from bond funds, potential commission revenue from hybrid funds, potential commission revenue from box funds, and equity-linked securities It is preferable to include at least one or more potential commission income.

In addition, the profitability information of the new securities derivatives preferably includes at least one fee income from the currency futures, fee income from interest rate futures, fee income from stock index futures, fee income from futures options, and the like. Do.

In addition, the investment profitability information is preferably made to include fund product profitability information.

In addition, the fund's profitability information includes: handling commission income from overseas fund, operating commission income from overseas fund, middle repayment commission income from overseas fund, operating commission income from equity fund, and mid-term repurchase by equity fund Commission income, return on commissions commissioned by equity funds, return on operating commissions by bond funds, return on commissions commissioned by bond funds, return on commissions commissioned by bond funds, return on management fees by hybrid funds, mixed funds Revenue from mid-term commissions, Revenue from mid-term commissions by mixed funds, Income from operating fees by MMFs, Income by commissions by MMFs, Income by commissions by MMFs, Income by commissions by derivatives, In-between by derivatives At least one of a repurchase fee income or a middle repayment fee income from derivatives; It is made by also being preferred.

The card profitability information may include at least one of card profitability information, loan profitability information, new card profitability information, and new loan profitability information.

In addition, the loan profitability information preferably comprises at least one or more of the commission income from card loans, interest income from credit card loans, commission income from credit loans, interest income from credit loans and the like.

In addition, the new card profitability information preferably includes at least one or more potential interest income by cash service, potential interest income by installment transaction.

In addition, the card profitability information preferably comprises at least one or more of commissions by cash service, interest income by cash service, commission income by installment transaction, interest income by installment transaction, profit by annual fee, and the like.

In addition, the new loan profitability information is preferably made of at least one or more potential interest income from credit card loans, potential interest income from credit loans.

The insurance profitability information may include at least one guarantee insurance profitability information, savings insurance profitability information, new guarantee insurance profitability information, and new savings insurance profitability information.

In addition, the profitability insurance profitability information includes at least profits from payments for maintaining cancer insurance, payments from payments for maintaining insurance insurance, revenues from driver insurance payments, and payments from maintenance payments for auto insurance. It is preferable to include one or more.

The savings insurance profitability information may preferably include at least one payment income due to pension insurance, payment income due to pension insurance, payment income due to education insurance, and payment income due to education insurance.

In addition, the new profitability insurance profitability information may include potential profits due to payments for maintaining cancer insurance, potential profits from payments for maintaining insurance insurance, potential profits from driver insurance payments, and payments for maintenance of automobile insurance. It is desirable to include at least one or more potential revenue.

In addition, the new savings insurance profitability information includes at least one potential payment income from pension insurance, potential payment operation profit from pension insurance, potential payment income from education insurance, and potential payment operation profit from education insurance. It is preferable.

Subsequently, the server includes the group integrated customer profit calculation server, the securities integrated customer profit calculation server 2000, the investment integration customer profit calculation server 3000, the card integrated customer profit calculation server 3600, and the insurance integrated customer. The information corresponding to the individual customer group is extracted from the profitability information provided from the profitability calculation server 4200 (4505a).

If information about groups other than the individual customer group is extracted from the account information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 45a, only the part of the individual customer group is processed. (4510a).

Thereafter, the server calculates profitability information for each customer of the identified individual customer group (4515a), and stores and registers the server D / B (4520a).

Referring to FIG. 45B, the server integrated customer profit calculation server, the security integration customer profit calculation server 2000, the investment integration customer profit calculation server 3000, and the card integrated customer profit calculation are calculated through a predetermined communication network in the server. A server 3600 is connected to the insurance integrated customer profitability calculation server 4200, the group integrated customer profitability calculation server, the securities integration customer profitability calculation server 2000, the investment integration customer profitability calculation server 3000, and the The card integrated customer profit calculation server 3600 and the insurance integrated customer profit calculation server 4200 provide the server with customer information for profitability calculation and profitability information associated with customer information (4500b).

In addition, the customer information 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.

The bank profitability information may include at least one of account profitability information, non-account profitability information, transaction profitability information, new account profitability information, and new non-account profitability information.

In addition, the account profitability information is interest income that borrows the deposits on the savings account and receives interest, or profits from the deposit operation of the savings account, or interest income that borrows the deposits on the savings account and receives the interest, or the savings It is preferable to include at least one or more of the profit from the savings management of the account, or the interest income of the loan on the loan account.

In addition, the non-account profitability information may include at least one or more handling fees for the foreign exchange product transactions, handling fees for derivatives, handling fees for securities, or handling fees for ancillary services.

In addition, the transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more

.

In addition, the new account profitability information may be loaned to the new savings account and the potential interest income that can receive interest, or the potential operating income from the deposit management of the new savings account, or loans to the new savings account It is preferable to include at least one or more of potential interest income received interest, potential operating income from the savings management of the new savings account, or potential loan interest income for the new loan account.

In addition, the new non-account profitability information may include potential interest income from transaction of foreign exchange products, potential handling fee revenue from derivatives, potential handling fee revenue from securities, or potential handling fee revenue from ancillary services. It is preferable to comprise at least one or more.

In addition, the profitability information of the securities may include one or more of securities product profitability information, securities derivatives profitability information, transaction profitability information, new securities product profitability information, and new securities derivatives profitability information.

In addition, the profitability information of the securities commodity includes the profits from the deposit operation for securities savings, the handling fees from beneficiary certificates, the profits from the deposit operation for comprehensive tax savings, the handling fees from repurchase agreements, and commercial paper bills. Fees, handling fees for negotiable deposit certificates, handling fees by wrap accounts, repurchase fees by bond funds, handling fees by bond funds, repurchase fees by mixed funds, handling fees by mixed funds, box funds It is preferable to include at least one handling fee, handling fee based on stock price-linked securities, handling fee under MMF, and the like.

In addition, the profitability information of the securities derivatives may preferably include at least one handling fee by currency futures, handling fee by interest rate futures, handling fee by futures options, and the like.

In addition, the transaction history profitability information preferably comprises at least one or more handling fees by securities transactions through the call center, handling fees by securities transactions via the Internet.

In addition, the profitability information of the new securities products includes potential operating income from securities savings deposits, potential commission income from beneficiary certificates, potential operating income from comprehensive tax savings, potential commission income from repurchase agreements, and potential commercial bills. Fee income, potential fee income from negotiable deposit certificates, potential fee income from wrap accounts, potential fee income from bond funds, potential fee income from hybrid funds, potential fee income from box funds, and stock-linked securities. It is preferable to include at least one or more potential commission revenue.

In addition, the profitability information of the new securities derivatives preferably includes at least one fee income from the currency futures, fee income from interest rate futures, fee income from stock index futures, fee income from futures options, and the like. .

In addition, the investment profitability information is preferably made to include fund product profitability information.

In addition, the fund's profitability information includes: handling commission income from overseas fund, operating commission income from overseas fund, middle repayment commission income from overseas fund, operating commission income from equity fund, and mid-term repurchase by equity fund Commission income, return on commissions commissioned by equity funds, return on operating commissions by bond funds, return on commissions commissioned by bond funds, return on commissions commissioned by bond funds, return on management fees by hybrid funds, mixed funds Revenue from mid-term commissions, Revenue from mid-term commissions by mixed funds, Income from operating fees by MMFs, Income by commissions by MMFs, Income by commissions by MMFs, Income by commissions by derivatives, In-between by derivatives At least one of a repurchase fee income or a middle repayment fee income from derivatives; It is made by also being preferred.

The card profitability information may include at least one of card profitability information, loan profitability information, new card profitability information, and new loan profitability information.

In addition, the loan profitability information preferably comprises at least one or more of the commission income from card loans, interest income from credit card loans, commission income from credit loans, interest income from credit loans and the like.

In addition, the new card profitability information preferably includes at least one or more potential interest income by cash service, potential interest income by installment transaction.

In addition, the card profitability information preferably comprises at least one or more of commissions by cash service, interest income by cash service, commission income by installment transaction, interest income by installment transaction, profit by annual fee, and the like.

In addition, the new loan profitability information is preferably made of at least one or more potential interest income from credit card loans, potential interest income from credit loans.

The insurance profitability information may include at least one guarantee insurance profitability information, savings insurance profitability information, new guarantee insurance profitability information, and new savings insurance profitability information.

In addition, the profitability insurance profitability information includes at least profits from payments for maintaining cancer insurance, payments from payments for maintaining insurance insurance, revenues from driver insurance payments, and payments from maintenance payments for auto insurance. It is preferable to include one or more.

The savings insurance profitability information may preferably include at least one payment income due to pension insurance, payment income due to pension insurance, payment income due to education insurance, and payment income due to education insurance.

In addition, the new profitability insurance profitability information may include potential profits due to payments for maintaining cancer insurance, potential profits from payments for maintaining insurance insurance, potential profits from driver insurance payments, and payments for maintenance of automobile insurance. It is desirable to include at least one or more potential revenue.

In addition, the new savings insurance profitability information includes at least one potential payment income from pension insurance, potential payment operation profit from pension insurance, potential payment income from education insurance, and potential payment operation profit from education insurance. It is preferable.

Subsequently, the server includes the group integrated customer profit calculation server, the securities integration customer profit calculation server 2000, the transmission integration customer profit calculation server 3000, the card integrated customer profit calculation server 3600, and the insurance integrated customer. Information corresponding to the PB customer group is extracted from the profitability information provided from the profitability calculation server 4200 (4505b).

If information about groups other than the PB customer group is extracted from the account information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 45B, only the portion of the PB customer group is processed. (4510b).

Thereafter, the server calculates profitability information for each customer of the identified PB customer group (4515b), and stores and registers the server D / B (4520b).

Referring to FIG. 45c, the server integrated customer profit calculation server, the security integration customer profit calculation server 2000, the investment integration customer profit calculation server 3000, and the card integrated customer profit calculation through a predetermined communication network in the server. A server 3600 is connected to the insurance integrated customer profitability calculation server 4200, the group integrated customer profitability calculation server, the securities integration customer profitability calculation server 2000, the investment integration customer profitability calculation server 3000, and the The card integrated customer profit calculation server 3600 and the insurance integrated customer profit calculation server 4200 provide the server with the customer information for profitability calculation and profitability information associated with the customer information (4500c).

In addition, the customer information 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.

The bank profitability information may include at least one of account profitability information, non-account profitability information, transaction profitability information, new account profitability information, and new non-account profitability information.

In addition, the account profitability information is interest income that borrows the deposits on the savings account and receives interest, or profits from the deposit operation of the savings account, or interest income that borrows the deposits on the savings account and receives the interest, or the savings It is preferable to include at least one or more of the profit from the savings management of the account, or the interest income of the loan on the loan account.

In addition, the non-account profitability information may include at least one of handling fees for trading the foreign exchange product, or handling fees for derivatives, handling fees for securities, or handling fees for ancillary services. .

In addition, the transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more

.

In addition, the new account profitability information may be loaned to the new savings account and the potential interest income that can receive interest, or the potential operating income from the deposit management of the new savings account, or loans to the new savings account It is preferable to include at least one or more of potential interest income received interest, potential operating income from the savings management of the new savings account, or potential loan interest income for the new loan account.

In addition, the new non-account profitability information may include potential interest income from transaction of foreign exchange products, potential handling fee revenue from derivatives, potential handling fee revenue from securities, or potential handling fee revenue from ancillary services. It is preferable to comprise at least one or more.

In addition, the profitability information of the securities may include one or more of securities product profitability information, securities derivatives profitability information, transaction profitability information, new securities product profitability information, and new securities derivatives profitability information.

In addition, the profitability information of the securities commodity includes the profits from the deposit operation for securities savings, the handling fees from beneficiary certificates, the profits from the deposit operation for comprehensive tax savings, the handling fees from repurchase agreements, and commercial paper bills. Fees, handling fees for negotiable deposit certificates, handling fees by wrap accounts, repurchase fees by bond funds, handling fees by bond funds, repurchase fees by mixed funds, handling fees by mixed funds, box funds It is preferable to include at least one handling fee, handling fee based on stock price-linked securities, handling fee under MMF, and the like.

In addition, the profitability information of the securities derivatives may preferably include at least one handling fee by currency futures, handling fee by interest rate futures, handling fee by futures options, and the like.

In addition, the transaction history profitability information preferably comprises at least one or more handling fees by securities transactions through the call center, handling fees by securities transactions via the Internet.

In addition, the profitability information of the new securities products includes potential operating income from securities savings deposits, potential commission income from beneficiary certificates, potential operating income from comprehensive tax savings, potential commission income from repurchase agreements, and potential commercial bills. Commission income, potential commission revenue from negotiable deposit certificates, potential commission revenue from wrap accounts, potential commission revenue from bond funds, potential commission revenue from hybrid funds, potential commission revenue from box funds, and equity-linked securities It is preferable to include at least one or more potential commission income.

In addition, the profitability information of the new securities derivatives preferably includes at least one fee income from the currency futures, fee income from interest rate futures, fee income from stock index futures, fee income from futures options, and the like. .

In addition, the investment profitability information is preferably made to include fund product profitability information.

In addition, the fund's profitability information includes: handling commission income from overseas fund, operating commission income from overseas fund, middle repayment commission income from overseas fund, operating commission income from equity fund, and mid-term repurchase by equity fund Commission income, income from brokerage commissions by equity funds, income from commissions from bond funds, income from commissions from bond funds, income from commissions from bond funds, income from commissions from mixed funds, and from mixed funds Revenue from mid-term commissions, Revenue from mid-term commissions by mixed funds, Income from operating fees by MMFs, Income by commissions by MMFs, Income by commissions by MMFs, Income by commissions by derivatives, In-between by derivatives At least one of a repurchase fee income or a middle repayment fee income from derivatives; It is made by also being preferred.

The card profitability information may include at least one of card profitability information, loan profitability information, new card profitability information, and new loan profitability information.

In addition, the loan profitability information preferably comprises at least one or more of the commission income from card loans, interest income from credit card loans, commission income from credit loans, interest income from credit loans and the like.

In addition, the new card profitability information preferably includes at least one or more potential interest income by cash service, potential interest income by installment transaction.

In addition, the card profitability information preferably comprises at least one fee, such as commissions by cash service, interest income by cash service, commission income by installment transaction, interest income by installment transaction, annual revenue.

In addition, the new loan profitability information is preferably made of at least one or more potential interest income from credit card loans, potential interest income from credit loans.

The insurance profitability information may include at least one guarantee insurance profitability information, savings insurance profitability information, new guarantee insurance profitability information, and new savings insurance profitability information.

In addition, the profitability insurance profitability information includes at least profits from payments for maintaining cancer insurance, payments from payments for maintaining insurance insurance, revenues from driver insurance payments, and payments from maintenance payments for auto insurance. It is preferable to include one or more.

The savings insurance profitability information may preferably include at least one payment income due to pension insurance, payment income due to pension insurance, payment income due to education insurance, and payment income due to education insurance.

In addition, the profitability information of the new insurance coverage is potential revenue due to payments for maintaining cancer insurance, potential profits from payments for maintaining insurance insurance, potential profits from driver insurance payments, and payments for maintenance of automobile insurance. It is desirable to include at least one or more potential revenue.

In addition, the new savings insurance profitability information includes at least one potential payment income from pension insurance, potential payment operation profit from pension insurance, potential payment income from education insurance, and potential payment operation profit from education insurance. It is preferable.

Subsequently, the server includes the group integrated customer profit calculation server, the securities integration customer profit calculation server 2000, the transmission integration customer profit calculation server 3000, the card integrated customer profit calculation server 3600, and the insurance integrated customer. Information corresponding to the special customer group is extracted from the profitability information provided from the profitability calculation server 4200 (4505c).

If information about groups other than the special customer group is extracted from the account information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 45c, only the part of the special customer group is processed. (4510c).

Thereafter, the server calculates profitability information for each customer of the identified special customer group (4515c), and stores and registers the server D / B (4520c).

Referring to FIG. 45D, the group integrated customer profit calculation server, the security integration customer profit calculation server 2000, the investment integration customer profit calculation server 3000, and the card integrated customer profit calculation are calculated through a predetermined communication network in the server. A server 3600 is connected to the insurance integrated customer profitability calculation server 4200, the group integrated customer profitability calculation server, the securities integration customer profitability calculation server 2000, the investment integration customer profitability calculation server 3000, and the The card integrated customer profit calculation server 3600 and the insurance integrated customer profit calculation server 4200 provide customer information for profitability calculation and profitability information associated with customer information (4500d).

In addition, the customer information 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.

The bank profitability information may include at least one of account profitability information, non-account profitability information, transaction profitability information, new account profitability information, and new non-account profitability information.

In addition, the account profitability information is an interest income to borrow and deposit interest on the savings account, or profits from the deposit operation of the savings account, or interest income to borrow and deposit interest on the savings account, or the savings It is preferable to include at least one or more of the profit from the savings management of the account, or the interest income of the loan on the loan account.

In addition, the non-account profitability information may include at least one or more handling fees for the foreign exchange product transactions, handling fees for derivatives, handling fees for securities, or handling fees for ancillary services.

In addition, the transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more

.

In addition, the new account profitability information may be loaned to the new savings account and the potential interest income that can receive interest, or the potential operating income from the deposit management of the new savings account, or loans to the new savings account It is preferable to include at least one or more of potential interest income received interest, potential operating income from the savings management of the new savings account, or potential loan interest income for the new loan account.

In addition, the new non-account profitability information may include potential interest income from transaction of foreign exchange products, potential handling fee revenue from derivatives, potential handling fee revenue from securities, or potential handling fee revenue from ancillary services. It is preferable to comprise at least one or more.

In addition, the profitability information of the securities may include one or more of securities product profitability information, securities derivatives profitability information, transaction profitability information, new securities product profitability information, and new securities derivatives profitability information.

In addition, the profitability information of the securities commodity includes the profits from the deposit operation for securities savings, the handling fees from beneficiary certificates, the profits from the deposit operation for comprehensive tax savings, the handling fees from repurchase agreements, and commercial paper bills. Fees, handling fees for negotiable deposit certificates, handling fees by wrap accounts, repurchase fees by bond funds, handling fees by bond funds, repurchase fees by mixed funds, handling fees by mixed funds, box funds It is preferable to include at least one handling fee, handling fee based on stock price-linked securities, handling fee under MMF, and the like.

In addition, the profitability information of the securities derivatives may preferably include at least one handling fee by currency futures, handling fee by interest rate futures, handling fee by futures options, and the like.

In addition, the transaction history profitability information preferably comprises at least one or more handling fees by securities transactions through the call center, handling fees by securities transactions via the Internet.

In addition, the profitability information of the new securities products includes potential operating income from securities savings deposits, potential commission income from beneficiary certificates, potential operating income from comprehensive tax savings, potential commission income from repurchase agreements, and potential commercial bills. Commission income, potential commission revenue from negotiable deposit certificates, potential commission revenue from wrap accounts, potential commission revenue from bond funds, potential commission revenue from hybrid funds, potential commission revenue from box funds, and equity-linked securities It is preferable to include at least one or more potential commission income.

In addition, the profitability information of the new securities derivatives preferably includes at least one fee income from the currency futures, fee income from interest rate futures, fee income from stock index futures, fee income from futures options, and the like. .

In addition, the investment profitability information is preferably made to include fund product profitability information.

In addition, the fund's profitability information includes: handling commission income from overseas fund, operating commission income from overseas fund, middle repayment commission income from overseas fund, operating commission income from equity fund, and mid-term repurchase by equity fund Commission income, return on commissions commissioned by equity funds, return on operating commissions by bond funds, return on commissions commissioned by bond funds, return on commissions commissioned by bond funds, return on management fees by hybrid funds, mixed funds Revenue from mid-term commissions, Revenue from mid-term commissions by mixed funds, Income from operating fees by MMFs, Income by commissions by MMFs, Income by commissions by MMFs, Income by commissions by derivatives, In-between by derivatives At least one of a repurchase fee income or a middle repayment fee income from derivatives; It is made by also being preferred.

The card profitability information may include at least one of card profitability information, loan profitability information, new card profitability information, and new loan profitability information.

In addition, the loan profitability information preferably comprises at least one or more of the commission income from card loans, interest income from credit card loans, commission income from credit loans, interest income from credit loans and the like.

In addition, the new card profitability information preferably includes at least one or more potential interest income by cash service, potential interest income by installment transaction.

In addition, the card profitability information preferably comprises at least one or more of commissions by cash service, interest income by cash service, commission income by installment transaction, interest income by installment transaction, profit by annual fee, and the like.

In addition, the new loan profitability information is preferably made of at least one or more potential interest income from credit card loans, potential interest income from credit loans.

The insurance profitability information may include at least one guarantee insurance profitability information, savings insurance profitability information, new guarantee insurance profitability information, and new savings insurance profitability information.

In addition, the profitability insurance profitability information includes at least profits from payments for maintaining cancer insurance, payments from payments for maintaining insurance insurance, revenues from driver insurance payments, and payments from maintenance payments for auto insurance. It is preferable to include one or more.

The savings insurance profitability information may preferably include at least one payment income due to pension insurance, payment income due to pension insurance, payment income due to education insurance, and payment income due to education insurance.

In addition, the new profitability insurance profitability information may include potential profits due to payments for maintaining cancer insurance, potential profits from payments for maintaining insurance insurance, potential profits from driver insurance payments, and payments for maintenance of automobile insurance. It is desirable to include at least one or more potential revenue.

In addition, the new savings insurance profitability information includes at least one potential payment income from pension insurance, potential payment operation profit from pension insurance, potential payment income from education insurance, and potential payment operation profit from education insurance. It is preferable.

Subsequently, the server includes the group integrated customer profit calculation server, the securities integration customer profit calculation server 2000, the transmission integration customer profit calculation server 3000, the card integrated customer profit calculation server 3600, and the insurance integrated customer. The information corresponding to the special customer group is extracted from the profitability information provided from the profitability calculation server 4200 (4505d).

If information about groups other than the special customer group is extracted from the account information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 45d, only the part of the special customer group is processed. (4510d).

Thereafter, the server calculates profitability information for each customer of the identified special customer group (4515d), and stores and registers the server D / B (4520d).

According to the present invention, the profitability calculation target is divided into individual customer group, PB customer group, special customer group, corporate customer group, etc., and the customer data of each financial company for each profitability calculation target is shared with each other to calculate the profitability of the overall financial company. By doing so, it is possible to provide a differentiated service according to the profitability of the customer.

Here, the method of providing differentiated services for each customer based on the profitability calculation result is that if a customer starts a new transaction in an affiliated company during a transaction in an affiliated company, the differentiated service may be provided in an affiliated company based on the information on the affiliated company. .

In addition, the financial company may propose a way to establish a new marketing strategy based on the calculated customer profitability by calculating the profitability of the overall financial company for each customer.

Here, to establish a new marketing strategy for the profitability calculation results, if there is a product that is useful to the customer based on the information that the customer is trading in affiliates A and B, affiliate C can establish a marketing strategy to guide the product. .

Claims (4)

All operating profit by bank customer—operating profit generated by each bank customer less profitable to generate revenue—in conjunction with a bank ledger database that stores at least one bank customer financial information. A bank integrated profitability calculation server for calculating integrated profitability information for each bank customer summed up-profitability information obtained by adding up operating profits for each bank customer; All operating profits from securities firms by subtracting the expenses from the securities firms' revenues from revenue generated by securities firms in conjunction with securities company ledger databases that store at least one securities customer financial information. A brokerage firm integrated profitability calculation server for calculating the aggregated profitability information for each securities firm customer-the profitability information for which the total operating profit for each securities firm customer is added; All operating profit per investing client's operating profit minus the expenses incurred for generating profit for each investing company to generate revenue from the profit generated by each investing client, in connection with the trustee ledger database that stores at least one trust customer financial information. A consolidated profitability calculation server for calculating integrated profitability information for each of the combined trustees and the profitability information obtained by adding up all operating profits of the trustees; All operating profit by card company customers minus expenses incurred by each card company customer to generate revenue from revenue generated by card company customers in connection with a card company ledger database that stores at least one card customer financial information. A card company integrated profitability calculation server for calculating integrated profitability information for each credit card company customer-profitability information obtained by adding up operating profit for each card company customer; Combined with the insurer ledger database, which stores at least one insurance client's financial information, all operating profit by insurer customer—operating profit by insurer's profit less profit generated by insurer's customers to generate revenue. An integrated insurance company profitability calculation server for calculating integrated profitability information for each insurer's customers-the profitability information obtained by adding up the operating profit for each insurance company's customers; And Group integrated profitability information by summating all profitability information of a specific customer among the calculated at least one integrated profitability information of each customer-sum of customer-specific integrated profitability generated by banks, securities companies, trust companies, card companies and insurance companies And a group integrated profitability calculation server for calculating profitability information. The consolidated profitability information for each bank customer is Profitability information (operational profits of customers belonging to a predetermined individual customer group among the bank customers) (profitability information by bank account deposit fee and profitability information on loan interest, profitability information by financial product handling fee and potential loan interest profitability) Profitability information including one or more information and loan handling fee profitability information and profitability information based on potential operating fees), profitability information including operating profits of customers belonging to a given Private Bank (PB) customer group, and predetermined special customer groups. And at least one of profitability information including operating profits of customers belonging to a company, and profitability information including operating profits of customers belonging to a predetermined corporate customer group. The consolidated profitability information for each customer of the securities company, Profitability information including operating profits of customers belonging to a predetermined individual customer group among the securities company customers, profitability information including operating profits of customers belonging to a predetermined private bank (PB) customer group, belonging to a predetermined special customer group And at least one profitability information including operating profits of customers and profitability information including operating profits of customers belonging to a predetermined corporate customer group. The integrated profitability information for each investment company customer, Profitability information including operating profits of customers belonging to a predetermined personal customer group, profitability information including operating profits of customers belonging to a predetermined private bank (PB) customer group, and belonging to a predetermined special customer group And at least one profitability information including operating profits of customers and profitability information including operating profits of customers belonging to a predetermined corporate customer group. The consolidated profitability information for each card company customer, Among the card company customers, characterized in that it comprises at least one or more profitability information including operating profits of customers belonging to a predetermined personal customer group, profitability information including operating profits of customers belonging to a predetermined corporate customer group, The consolidated profitability information for each insurance company customer, A group comprising at least one of profitability information including operating profits of customers belonging to a predetermined personal customer group and profitability information including operating profits of customers belonging to a predetermined corporate customer group among the insurance company customers Integrated profitability calculation system. delete delete delete

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