KR20090041378A - Method for providing differential profitable information - Google Patents

Abstract

A discriminated profitability information providing method for predicting profit and loss of past and future by confirming organization profit-and-loss simulation result is provided to divide the interface system into the layer of 3 steps. One or more officers and employees terminal(150) comprises a web browser. An employee profitability information providing server(100) uses the website providing the integration management information to one or more officers and employees terminals. The various financial business processed in a plurality of organizations equipped in the financial institution is decided on server according to the client. The server produces the group much profitability information corresponding to the group. The calculated group much profitability information and financial information are classified according to officers and employees authority. The server provides the profitability information and the financial affairs information corresponding to confirmed officers and employees authority to the terminal.

Description

{Method for Providing Differential Profitable Information}

1 is a view showing a preferred configuration of a profitability information providing system for providing differentiated profitability information for each employee in accordance with an embodiment of the present invention.

2 illustrates a system of an interface screen and a menu for providing profitability and financial information of a chief executive officer in accordance with an embodiment of the present invention.

3 illustrates a system of an interface screen and a menu for providing profitability and financial information of a sales manager, a sales manager, and a customer representative in accordance with an embodiment of the present invention.

Figure 4 shows the configuration of the non-face-to-channel profitability calculation system for calculating the profitability for each non-face-to-channel according to the embodiment of the present invention.

5 is a diagram illustrating a system configuration for calculating profitability of a non-face-to-face individual customer according to an exemplary embodiment of the present invention.

6 is a subscription account profitability information for individual customers, profitability information for individual customers, subscription account profitability information, new subscription account profitability information for individual customers according to the implementation method of the present invention, non-face-to-face channel It shows the operation flow of the system for personal customer profitability calculation which includes at least one new subscription cost account profit information.

7 illustrates a system configuration for calculating the profitability of the PB customer non-facing channel according to the embodiment of the present invention.

8 is a subscription account profitability information for PB customers, profitability information for PB customers, new subscription account profitability information for PB customers, PB customers according to the implementation method of the present invention The operation flow of the system for calculating PB customer profitability, which includes at least one new subscription cost account profit information, is shown.

9 is a diagram illustrating a system configuration for calculating profitability of a non-facing channel for a special customer according to an exemplary embodiment of the present invention.

10 is a subscription account profitability information for special customers, profitability information for special customers, non-subscription account profitability information, new subscription account profitability information for special customers, special customers according to the implementation method of the present invention It shows the operation flow of the system for calculating the profitability of special customers made by including at least one profitability information of the new subscription fee account.

11 illustrates a system configuration for calculating profitability of a non-facing channel for a corporate customer according to an exemplary embodiment of the present invention.

12 is a subscription account profitability information for a corporate customer for profitability calculation for each non-face-to-face channel of the corporate customer, a subscription ratio account profitability information for the corporate customer, a new subscription account profitability information for the corporate customer, corporate customers It shows the operation flow of the system for calculating the profitability of a corporate customer made by including at least one new subscription non-account profitability information.

13 illustrates a system configuration for calculating the profitability of non-facing channels by age according to an embodiment of the present invention.

14 is a subscription account profitability information for each age, profitability information for each age, subscription ratio account profitability information for each age, new subscription account profitability information for each age, a new subscription ratio account for each age according to the embodiment of the present invention It shows the operation flow of the system for calculating profitability by age that includes at least one profitability information.

FIG. 15 illustrates a system configuration for calculating profitability of a non-facing channel for each region according to an embodiment of the present invention.

Figure 16 is a subscription account profitability information for each region, profitability information for each subscription area, new subscription account profitability information for each region, new subscription account for each region, new subscription ratio account for each region for calculating profitability for each non-face-to-face channel according to an embodiment of the present invention It shows the operation flow of the system for calculating profitability by region including at least one profitability information.

17 shows a system configuration for calculating the profitability of the gender non-facing channel according to the embodiment of the present invention.

18 is a signup account profitability information for gender, a signup ratio account profitability information, a new signup account profitability information for gender, a new signup fee for gender according to the embodiment of the present invention The operation flow of the system for calculating gender profitability, which includes at least one account profitability information, is shown.

19 is a diagram illustrating a system configuration for calculating profitability of a non-face-to-face channel for each occupation according to an embodiment of the present invention.

Figure 20 is a subscription account profitability information for gender, profitability information for gender non-face-to-face channel, profit ratio information for gender, new subscription account profitability information for gender, new subscription ratio account for gender according to the embodiment of the present invention It shows the operation flow of the system for calculating gender profitability made by including at least one profitability information.

21 illustrates a configuration of a system for calculating profitability for each non-facing channel by integrating profitability information calculated by each server according to an exemplary embodiment of the present invention.

FIG. 22 shows individual customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age-specific profitability information, regional profitability information, and the like. The operation flow of the system for calculating profitability for each non-face-to-face channel including at least one of gender profitability information and job profitability information is shown.

FIG. 23 is a diagram illustrating a configuration of a profitability calculation system for a counter channel / employee for operating a profitability calculation for each channel / employee and a calculation result according to an embodiment of the present invention.

24 is a diagram illustrating a system configuration for calculating the profitability of an employee at a personal teller according to an embodiment of the present invention.

25 is a subscription account profitability information for individual customers, profitability information for individual customers, subscription profitability information for individual customers, profitability information for individual customers, new to individual customers according to the embodiment of the present invention The operation flow of the system for calculating individual customer profitability, which includes at least one subscription account profitability information and new subscription non-account profitability information for individual customers, is illustrated.

Figure 26 shows the system configuration for calculating the profitability of the PB customer service staff according to the embodiment of the present invention.

Figure 27 is a subscription account profitability information for PB customers, profitability information for subscription accounts for PB customers, transaction profitability information for PB customers, new to 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 subscription account profitability information and new subscription non-account profitability information for PB customers is illustrated.

Figure 28 shows the system configuration for calculating the profitability of the special customer service staff according to the embodiment of the present invention.

Figure 29 is a subscription account profitability information for special customers, profitability information for special customers, non-account subscription profitability information, transaction profitability information for special customers, new for special customers according to the implementation method of the present invention The operation flow of the system for calculating the profitability of a special customer, which includes at least one subscription account profitability information and new subscription non-account profitability information for a special customer, is shown.

30 shows a system configuration for calculating the profitability of the employee of the company customer service window according to the embodiment of the present invention.

31 is a sign-up account profitability information for the corporate customer, profitability information for the subscription account for the corporate customer, profitability information for the enterprise customer, new for the corporate 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 subscription account profitability information, new subscription non-account profitability information for the corporate customer.

32 is a diagram illustrating a system configuration for calculating the profitability of a general financial teller according to an embodiment of the present invention.

33 is a comprehensive financial group profitability calculation comprising at least one or more investment profitability information, credit profitability information, receiving profitability information for the comprehensive financial group for calculating the profitability of each employee for the comprehensive financial group according to the embodiment of the present invention The operating flow of the system is shown.

34 shows a system configuration for calculating the profitability of the funds / international teller staff according to the embodiment of the present invention.

* Fig. 35 is the won or foreign currency fund profitability information, foreign exchange business profitability information, derivatives profitability information, stock profitability information for the fund / international group to calculate profitability for each employee for the fund / international group according to the embodiment of the present invention Shows the operational flow of the system for calculating the profit / international group profit, which includes at least one of bond profitability information and marketing profitability information.

36 shows a system configuration for calculating the profitability of the trust clerk according to the embodiment of the present invention.

37 is a diagram of a system for calculating trust group profitability comprising at least one or more trust profitability information, trust profitability information, and fund profitability information for the trust group to calculate profitability for each employee for the trust group according to an embodiment of the present invention; It shows the operation flow.

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

39 shows individual customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, comprehensive financial group profitability information, It shows the operation flow of the system for calculating profitability by branch or organization which includes at least one of fund / international group profitability information and trust group profitability information.

40 illustrates the configuration of a profitability prediction and prediction result management system for past profitability analysis and future profitability analysis according to an embodiment of the present invention.

41 shows a system configuration for calculating the profitability of the individual customer teller according to the embodiment of the present invention.

42 is a subscription account profitability information for individual customers, profitability information for individual customers, non-account subscription profitability information, transaction profitability information for individual customers, new to individual customers according to the embodiment of the present invention The operation flow of the system for calculating individual customer profitability, which includes at least one subscription account profitability information and new subscription non-account profitability information for individual customers, is illustrated.

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

44 is a view of subscription account profitability information for PB customers, profitability information for subscription accounts for PB customers, transaction profitability information for PB customers, and new 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 subscription account profitability information and new subscription non-account profitability information for PB customers is illustrated.

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

* Figure 46 is a sign-up account profitability information for special customers, profitability information for special customers, non-account subscription profitability information, transaction profitability information for special customers, for special customers according to the implementation 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 new subscription account profitability information, new subscription non-account profitability information for the special customer.

FIG. 47 is a diagram illustrating a system configuration for calculating profitability of an employee of an enterprise customer service desk according to an embodiment of the present invention.

Figure 48 is a subscription account profitability information for the enterprise customer, profitability information for the subscription account for the enterprise customer, transaction profitability information for the enterprise customer, new to the corporate 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 subscription account profitability information, new subscription non-account profitability information for the corporate customer.

49 is a diagram illustrating a system configuration for calculating the profitability of a general bank teller according to an embodiment of the present invention.

50 is a comprehensive financial group profitability calculation comprising at least one investment profitability information, credit profitability information, receiving profitability information for the comprehensive financial group for calculating the profitability of each employee for the comprehensive financial group according to an embodiment of the present invention The operating flow of the system is shown.

51 shows a system configuration for calculating the profitability of the funds / international teller staff in accordance with an embodiment of the present invention.

52 is based on the implementation method of the present invention, the profit or foreign currency fund profitability information, foreign exchange business profitability information, derivatives profitability information, stock profitability information, The operation flow of the system for calculating the profitability of the fund / international group including at least one of bond profitability information and marketing profitability information is shown.

Figure 53 illustrates a system configuration for calculating the profitability of the trust clerk according to the embodiment of the present invention.

54 is a view illustrating a system for calculating trust group profitability including at least one or more trust profitability information, trust profitability information, and fund profitability information for a trust group for calculating profitability for each employee for a trust group according to an embodiment of the present invention; It shows the operation flow.

55A and 55B illustrate a system configuration for predicting profit or loss by at least one or more profit and loss targets using profitability information as a profit and loss statement (P / L) according to an embodiment of the present invention.

56A illustrates a process of predicting profit / loss for each organization / branch using profitability information as a profit / loss statement (P / L) according to an exemplary embodiment of the present invention.

56B is a diagram illustrating a process of predicting profit and loss for each financial product using profitability information as a profit and loss statement (P / L) according to another embodiment of the present invention.

56C is a view illustrating a process of predicting profit and loss for each customer group (or a specific customer) using profitability information as a profit and loss statement (P / L) according to another embodiment of the present invention.

57 is a diagram showing the configuration of a customer-specific profitability calculation system for calculating target marketing information for each customer (group) and operating a calculation result according to an embodiment of the present invention.

58 is a diagram showing the system configuration for calculating the profitability of the individual customer group teller according to the embodiment of the present invention.

Fig. 59 is a subscription account profitability information for an individual customer group, profitability information for an individual customer group, a new subscription account profitability information for an individual customer group, according to an embodiment of the present invention. For example, it illustrates the operation flow of the system for calculating the profitability of the personal customer group, which includes at least one profitability information of the new subscription fee for the individual customer group.

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

61 shows profitability information of a subscription account for a PB customer group, profitability information of a subscription fee for a PB customer group, and profitability information of a new subscription account for a PB customer group according to an embodiment of the present invention. In this case, the operation flow of the system for calculating the profitability of the PB customer group including at least one profitability information of the new subscription fee account for the PB customer group is shown.

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

FIG. 63 shows profitability information of a subscription account for a special customer group, profitability information of a subscription fee for a special customer group, and new subscription account profitability information for a special customer group according to an embodiment of the present invention. For example, it illustrates the operation flow of the system for calculating the profitability of the special customer group, which includes at least one profitability information of the new subscription fee for the special customer group.

64 is a diagram showing the system configuration for calculating the profitability of the employee of the company customer group counter according to the embodiment of the present invention.

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

66 is a view showing a system configuration for calculating the profitability of the teller according to age according to the embodiment of the present invention.

FIG. 67 includes at least one age-based subscription account profitability information, age-specific subscription cost account profitability information, age-specific subscription account profitability information, and age-specific subscription account profitability information according to an embodiment of the present invention. It shows the operation flow of the system for calculating profitability by age.

68 is a diagram showing a system configuration for calculating the profitability of a teller according to an embodiment of the present invention.

FIG. 69 includes at least one of regional subscription account profitability information, regional subscription fee account profitability information, regional subscription account profitability information, and regional subscription subscription profitability information according to an embodiment of the present invention. It shows the operation flow of the system for calculating profitability by region.

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

FIG. 71 includes at least one gender joining account profitability information, gender joining account profitability information, new gender joining account profitability information, and new gender joining account profitability information according to an embodiment of the present invention. It shows the operation flow of the system for calculating gender profitability.

72 is a diagram showing the system configuration for calculating the profitability of the window staff by occupation according to the embodiment of the present invention.

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

74 is a diagram showing the configuration of an integrated profitability result calculation system incorporating profitability information calculated by each server according to an embodiment of the present invention.

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

76 is a diagram illustrating the configuration of a group integrated customer contribution evaluation and operation system for evaluating group integrated customer profitability according to an embodiment of the present invention.

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

78 illustrates 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 in accordance with 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.

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

80 shows 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 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.

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

82 shows account profitability information for special customers, non-account profitability information for special customers, transaction profitability information for special customers, and new account profitability for special customers, according to an 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.

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

84 shows account profitability information for corporate customers, non-account profitability information for corporate customers, transaction profitability information for corporate customers, and 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.

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

86 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.

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

Figure 88 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.

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

90 shows securities product profitability information for PB customers, securities derivatives profitability information for PB customers, transaction profitability information for PB customers, and new PB customers according to the embodiment 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.

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

Figure 92 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.

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

94 shows securities product profitability information for corporate customers, profits of securities derivatives for corporate customers, transaction profitability information for corporate customers, and new information for corporate customers according to the 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.

95 is provided with the 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.

96 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.

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

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

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

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

FIG. 101 illustrates a system configuration for calculating profitability of a special customer group according to an exemplary embodiment of the present invention.

102 is a system for calculating the profitability of a special customer comprising at least one fund product profitability information for the special customer for profitability calculation 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.

103 is a diagram showing a system configuration for calculating profitability of a group of corporate customers according to an exemplary embodiment of the present invention.

104 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.

105 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, and the trust enterprise customer group profit calculation server according to the method of the present invention. A system configuration for storing profitability information is shown.

FIG. 106 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.

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

108 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.

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

110 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 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.

111 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.

112 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.

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

114 is a diagram of guarantee insurance profitability information for individual customers, profitability information for savings insurance for individual customers, profitability information for new guarantee insurance for individual customers, and the like. It shows the operation flow of the system for calculating the profitability of individual customers made by including at least one new savings insurance profitability information.

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

116 is a guarantee insurance profitability information for companies, profitability information for savings insurance for companies, new guarantee insurance profitability information for companies, new savings insurance profitability information for companies 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.

117 illustrates 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.

118 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.

Figure 119 shows the customer information and profitability information from the bank integrated customer profit calculation server, securities integration customer profit calculation server, investment 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.

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

<Description of main parts of drawing>

100: Profitability information server for each employee 105: Web interface

110: interface providing unit 115: web page operation unit

120: information providing unit 125: authority confirmation unit

130: information storage unit 135: information extraction unit

140: information receiving unit 150: employee terminal

The present invention is a private customer group, a special customer group, a private bank (PB) customer group, a corporate customer group, a comprehensive financial group according to the customer type and asset type to handle a variety of financial services that are processed in a plurality of organizations provided in the financial institution on the server Group of employees, one of funding / international group and trust group, calculating profitability information for each group corresponding to the grouped one or more groups, and providing the calculated profitability information and financial information for each group to each group. Classifying and storing according to the authority, and when the terminal requests profitability information of a specific group, the server checks the employee authority information for each group corresponding to the terminal user on the server, and the profitability information and finance corresponding to the identified employee authority. The present invention relates to a method for providing differentiated profitability information including providing information to the terminal.

An object of the present invention for solving the above problems, the individual customer group, special customer group, private bank (PB) customer according to the customer type and asset type to handle a variety of financial services that are processed by a plurality of organizations provided in the financial institution in the server Grouping into one of a group, a corporate customer group, a comprehensive financial group, a fund / international group, and a trust group, calculating profitability information for each group corresponding to the grouped one or more groups, and calculating the calculated profitability information for each group and Classifying and storing the financial information according to the employee's authority corresponding to each group, and upon requesting profitability information of a specific group from the terminal, checking the employee's authority information for each group corresponding to the terminal user on the server, and checking the identified employee Providing differentiated profitability information including providing profitability information and financial information corresponding to the right to the terminal It is to provide a.

According to the present invention, a method of providing differentiated profitability information includes a personal customer group, a special customer group, and a private bank (PB) customer according to a customer type and an asset type for various financial tasks processed by a plurality of organizations provided in a financial institution on a server. Grouping into one of a group, a corporate customer group, a comprehensive financial group, a fund / international group, and a trust group, calculating profitability information for each group corresponding to the grouped one or more groups, and calculating the calculated profitability information for each group and Classifying and storing the financial information according to the employee's authority corresponding to each group, and upon requesting profitability information of a specific group from the terminal, checking the employee's authority information for each group corresponding to the terminal user on the server, and checking the identified employee And providing profitability information and financial information corresponding to the authority to the terminal. The.

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.

1 is a view showing a preferred configuration of a profitability information providing system for providing differentiated profitability information for each employee in accordance with an embodiment of the present invention.

In more detail, FIG. 1 illustrates at least one employee terminal 150 in a predetermined employee-specific profitability information providing server 100 based on a transmission control protocol / Internet protocol (TCP / IP) based network (eg, the Internet). As to a preferred method of implementing a profitability information providing system for providing differentiated profitability information for each employee according to the present invention, at least one employee terminal 150 having a web browser, and at least one employee terminal 150 Counter channel / staff that provides information for the integrated management information by interworking with the employee-specific profitability information providing server 100 that operates a website for providing integrated management information and the employee-specific profitability information providing server 100. Profitability calculation system by each, profitability prediction and forecast result management system, profitability calculation system by customer, group integrated customer report Also it made in connection with the evaluation and management systems, non-face-to-face channel profitability calculation system.

To this end, in FIG. 1, for convenience, the profitability information providing server 100 for each employee, the profitability calculation system for each channel / staff, the profitability prediction and prediction result management system, the profitability calculation system for each customer, the group integrated customer contribution evaluation and management system , But shown as a server system for interworking the non-facing channel-based profitability calculation system, but by no means the present invention is not limited, and those skilled in the art to which the present invention pertains, Profitability Information Server (100) by Employees, Profitability Calculation System by Channel / Employee, Profitability Prediction and Forecast Result Management System, Profitability Calculation System by Customer, Integrated Customer Contribution Evaluation and Operation System, Profitability Calculation System by Non-facing Channel According to the relationship, the employee-specific profitability information providing server 100 and each system stand as one book. (E.g., the employee-specific profitability information providing server 100), or / or implemented in at least two servers for each functional configuration can be easily inferred that it can be implemented in various modifications, thereby It is to be apparent that the invention is not limited.

The employee terminal 150 accesses the employee-specific profitability information providing server 100 based on the TCP / IP-based wired communication function and the wired communication function to receive at least one web based web service. And a wired terminal including at least one of a desktop computer having a browser and / or a notebook, and / or a code division multiple access (CDMA) based wireless communication function. A mobile communication terminal (eg, having a CDMA-based wireless modem needle) having at least one browser for accessing the employee-provided information providing server 100 based on a wireless communication function to receive a browsing-based wireless web service. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), and / or at least one browser for accessing the employee-specific profitability information providing server 100 based on the IEEE 802.16 based wireless communication function and the wireless communication function to receive a browsing-based wireless web service. A portable Internet terminal (eg, a personal communication terminal (PCS) and / or a personal digital assistant (PDA) having an IEEE 802.16 based wireless modem chip) and / or a smart phone and / or telematics (Telematics and / or portable Internet terminal and / or laptop, etc.), and / or wireless communication based on Motorola's DataTAC method or Erricson's Mobitex method A wireless data communication terminal (eg, DataTAC / Mobitex method) having at least one browser for accessing the employee-based profitability information providing server 100 and receiving a browsing-based wireless web service based on the wireless communication function and the wireless communication function. And a wireless terminal including at least one of a stock terminal having a modem chip and / or a wireless communication terminal).

According to the exemplary embodiment of the present invention, the employee terminal 150 including the desktop computer and / or the notebook may provide the employee-specific profitability information providing server 100 through a predetermined network means including the TCP / IP-based wired communication network. ), And / or the employee terminal 150 including the mobile communication terminal is connected to the employee-specific profitability information providing server 100 through a predetermined network means including a CDMA-based wireless communication network. Preferably, and / or the employee terminal 150 including the portable Internet terminal is connected to the employee-specific profitability information providing server 100 through a predetermined network means including an IEEE 802.16 based wireless communication network. Preferably, and / or the wireless data communication terminal comprises a predetermined network including a DataTAC / Mobitex based wireless communication network. Through greater means it is preferably connected to the employees profitability information providing server (100).

The employee-specific profitability information providing server 100 may include a database that stores web operation data including at least one web page source and / or digital content for providing a predetermined web service to at least one employee terminal 150. A database management system (DBMS) for operating or interoperating with a data server provided with the DBMS.

In addition, the employee-specific profitability information providing server 100 may include profitability information corresponding to an individual customer group, profitability information corresponding to a special customer group, profitability information corresponding to a PB customer group, profitability information corresponding to a corporate customer group, A database management system that operates a database that classifies and stores profitability information belonging to a comprehensive financial group, profitability information corresponding to funds / international groups, and profitability information corresponding to a trust group according to employee authority information of the financial institution (DataBase). A management system (DBMS) or interoperates with a data server provided with the DBMS.

Here, the profitability information, a predetermined channel channel / employee profitability calculation system associated with the employee-specific profitability information providing server 100, profitability prediction and prediction result management system, customer profitability calculation system, group integrated customer contribution evaluation And profitability calculation system for each non-face-to-face channel, and thus, the profitability calculation system for each channel / staff, profitability prediction and forecast result management system, profitability calculation system for each customer, and group integrated customer contribution evaluation. And operating systems and profitability calculation systems for non-face-to-face channels, including at least one of the individual customer group, special customer group, private bank (PB) customer group, corporate customer group, comprehensive financial group, fund / international group, and trust group of the financial institution. It is desirable to perform the function of profitability calculation means for calculating profitability information corresponding to one or more groups. All.

Referring to FIG. 1, the employee-specific profitability information providing server 100 may include a web interface unit 105 that provides an interface for providing a predetermined web service to at least one employee terminal 150, and the DBMS. It characterized in that it comprises a web page management unit 115 for generating and operating a predetermined web page to be provided to at least one or more employee terminal 150 using the provided web page source and digital content.

Referring to FIG. 1, the employee-specific profitability information providing server 100 includes a profitability calculation system for each predetermined channel / employee performing a function of the profitability information calculating means, a profitability prediction and prediction result operation system, and a customer An information receiver 140 for receiving at least one profitability information from a profitability calculation system, an integrated customer contribution evaluation and management system, and a non-face-to-face profitability calculation system; and a profitability corresponding to the individual customer group among the received profitability information. Information, profitability information for special customer groups, profitability information for PB customer groups, profitability information for corporate customer groups, profitability information for comprehensive financial groups, profitability information for financial / international groups, trust groups An information extraction unit 135 for extracting corresponding profitability information and the like; and corresponding to the extracted personal customer group. Profitability Information, Profitability Information for Special Customer Groups, Profitability Information for PB Customer Groups, Profitability Information for Corporate Customer Groups, Profitability Information for General Financial Groups, Profitability Information for Funds / International Groups, Trust Groups The information storage unit 130 (or information storage means) for classifying according to the employee authority information of the financial institution corresponding to the information stored in the DBMS, characterized in that it is made.

According to the method of the present invention, the information extracting unit 135 preferably checks (or extracts) at least one or more financial information corresponding to the authority of the employee of the financial institution in connection with a predetermined ledger D / B, The information storage unit 130 may further classify the financial information according to the employee rights of the financial institution and store the financial information in the DBMS.

Referring to FIG. 1, the employee-specific profitability information providing server 100 corresponds to the personal customer group classified and stored according to the employee authority information of the financial institution in the DBMS in connection with the webpage operation unit 115. Profitability information, profitability information for special customer groups, profitability information for PB customer groups, profitability information for corporate customer groups, profitability information for comprehensive financial groups, profitability information for financial / international groups, trusts In order to provide profitability information corresponding to a group to the employee terminal 150 in response to the employee authority, when a predetermined employee terminal 150 accesses the employee-specific profitability information providing server 100, the employee terminal ( 150 to confirm the authority of the employee corresponding to the employee terminal 150 user (eg, user interface for ID / PW input) Interface providing unit 110 for providing a face, etc., and an authority checking unit 125 (or authority checking means) for checking an employee's authority corresponding to the user of the employee terminal 150 in association with the authority checking interface. Characterized in that made.

According to the implementation method of the present invention, it is preferable that the employee's authority includes at least one of the chief executive officer's authority, the sales headquarters / store manager authority, or the responsible employee authority.

In addition, the interface providing unit 110, after the employee authority is confirmed by the authority check unit 125, in conjunction with the web page operation unit 115 to the employee authority information of the financial institution in the DBMS Profitability information corresponding to the individual customer group stored according to the classification, profitability information corresponding to the special customer group, profitability information corresponding to the PB customer group, profitability information corresponding to the corporate customer group, profitability information belonging to the comprehensive financial group, and funds Providing an information providing interface for providing the profitability information corresponding to the / international group, the profitability information corresponding to the trust group to the employee terminal 150 in response to the employee authority.

Referring to Figure 1, the employee-specific profitability information providing server 100 to the employee authority information of the financial institution to the DBMS through the information providing interface provided to the employee terminal 150 through the interface providing unit 110 Profitability information corresponding to one or more individual customer groups stored according to the classification, profitability information corresponding to a special customer group, profitability information corresponding to a PB customer group, profitability information corresponding to a corporate customer group, and profitability information belonging to a comprehensive financial group , The information providing unit 120 (or management information providing means) for providing the employee terminal 150 with profitability information corresponding to the fund / international group, profitability information corresponding to the trust group, and the like. .

According to the exemplary embodiment of the present invention, when at least one or more financial information is classified and stored according to the authority of the employee of the financial institution, the interface providing unit 110 further includes the financial information in the information providing interface. It is preferable to provide to the employee terminal 150 including a user interface, the information providing unit 120 further includes financial information corresponding to the employee authority to the employee terminal 150 through the information providing interface. It is preferable to provide.

The profitability information corresponding to the personal customer group, the profitability information corresponding to the special customer group, and the profitability corresponding to the PB customer group classified and stored according to the employee authority information of the financial institution from the profitability information providing system to the employee terminal 150. Preferred process for providing information, profitability information corresponding to corporate customer group, profitability information belonging to comprehensive financial group, profitability information corresponding to fund / international group, profitability information corresponding to trust group, etc.

In each profitability calculation system corresponding to the profitability information calculation means, in connection with a predetermined ledger database, individual customer groups, special customer groups, private bank (PB) customer groups, corporate customer groups, comprehensive financial groups, funds / international companies of financial institutions When calculating profitability information corresponding to at least one group among a group and a trust group, the at least one profitability information calculated by the employee-specific profitability information providing server 100 is classified and stored according to the employee authority of the financial institution. Then, when a predetermined profitability information request from a predetermined employee terminal 150, after confirming the employee rights information corresponding to the user of the employee terminal 150 in the employee-specific profitability information providing server 100, the confirmed employee rights Providing the profitability information corresponding to the employee terminal 150 provided to the process It is right.

Hereinafter, a method for implementing a preferred information providing interface provided by the management information interface unit 110 and a method for implementing each profitability calculation system corresponding to the profitability calculation generating means will be described.

Figure 2 illustrates a system of interface screens and menus for providing profitability and financial information of the chief executive officer in accordance with an embodiment of the present invention.

In more detail, FIG. 2 illustrates at least one client terminal 175 in a predetermined profitability and financial information providing server 100 based on a Transmission Control Protocol / Internet Protocol (TCP / IP) based network (eg, the Internet). Based on the provision of differentiated profitability and financial information for each user (and / or the user-differentiated profitability and financial information exchange between the at least one or more client terminals 175 and the profitability and financial information providing server 100). The present invention relates to a preferred implementation method for an interface screen of a system for providing differentiated profitability and financial information for each user for providing differentiated profitability and financial information for each user.

According to an embodiment of the present invention, Figure 2a illustrates a menu system for employees whose employee rights information is classified as chief executive officer.

In more detail, Figure 2a is a hierarchical structure of the menu in order to provide the profitability and financial information for employees whose employee rights information is classified as the chief executive, and referring to Figure 2a, the hierarchical structure A first tier including at least one or more of a previous group, an individual customer group, a corporate customer group, a PB customer group, a special customer group, a SOHO customer group, an IB group, a fund / international group, and a trust group; At least one or more second tier (e.g., tier including at least one of dashboard, appearance, synergy, soundness, profit and loss, fee, margin, key management indicator, etc.) At least one or more third tiers provided below the second tier (for example, when the first tier is previous and the second tier corresponding to the first tier is an appearance, the daily counting status of each business group and the business It is preferable to include the coefficient change for each group.

For those skilled in the art to which the present invention pertains, a hierarchical menu system for providing the profitability and financial information to the employees whose employee authority information is classified as the chief executive officer with reference to FIG. It may be inferred, and the present invention is characterized by including all the methods of inference.

According to an embodiment of the present invention, Figure 2b shows a dashboard interface screen for the individual customer group of the menu screen for the employee employee rights information classified as the chief executive officer.

In more detail, FIG. 2B illustrates an interface screen for outputting the profitability and financial information corresponding to a dashboard of a second tier to a personal group customer of the first tier for an employee whose employee authority information is classified as a chief executive officer. As illustrated in FIG. 2B, the interface screen for outputting the profitability and financial information corresponding to the dashboard of the second tier includes a daily interface, synergy operating results, profit and loss, and delinquency. It characterized in that the output to.

The daily count status, preferably, comprises at least one or more total credit information, total reception information.

Here, the total credit information preferably comprises at least one total loan information and other credit information.

In addition, the total loan information is preferably made up of at least one won loan information, household won loan information, corporate won loan information.

In addition, it is preferable that the synergy business situation includes at least one or more credit card information, FNA information, bancassurance information, and investment trust information.

Here, the credit card information preferably comprises at least one member new information information, corporate card sales amount information, corporate card sales amount net increase information.

In addition, the FNA is preferably made of a trading account.

In addition, the bancassurance preferably comprises at least one or more lump-sum payment information for the whole and group companies, monthly payment information for the whole and group companies.

In addition, it is preferable that the profit and loss state comprises at least one of information on monthly pretax profit and monthly RAROC information.

The delinquency status may include at least one delinquency rate information for the past and present, and at least one delinquency rate prediction information for the future.

Those skilled in the art to which the present invention pertains, with reference to this figure 2b, the employee rights information corresponding to the dashboard of the second tier for the personal group customer for the employee classified as the chief executive officer. Various implementation methods for the interface screen configuration for outputting profitability and financial information will be easily inferred, and the present invention is characterized by including all the implementation methods inferred.

According to the implementation method of the present invention, Figure 2c shows the increase and decrease of the daily counting status by sales division and total reception day by sales division in the appearance menu screen for the individual customer group of the menu screen for the employee employee information is classified as the chief executive officer The screen shows the current status.

More specifically, Figure 2c outputs the daily counting status of each business group of the third tier corresponding to the appearance of the second tier for the individual group customer of the first tier for the employee whose employee rights information is classified as the chief executive officer. As for the interface screen, referring to FIG. 2C, the interface screen for outputting the daily counting status of each business group of the third tier corresponding to the appearance of the second tier is as follows. One interface for year-on-year information, menus related to total credit, total reception and foreign exchange that can be selected for detailed information, and the total day-to-day increase / decrease status by sales division when total reception is selected from the above menu It characterized in that the output to.

The today's earnings, previous day, previous month, and previous year information for each business headquarters include at least one of today's performance based on the current information, the previous day's performance based on the past information, the previous month's performance, and the previous year's performance information. desirable.

The selectable total loan menu includes a first layer including at least one of total loans, bank loans (personal), household loans (personal), trust loans (personal), other loans (personal), and total loans (personal); Household loans provided below the second-tier won loans provided at least one of the total loans of the first tier and foreign currency loans; Preferably, at least one third layer including at least one corporate loan.

The selectable total reception menu includes a first hierarchy including at least one of total reception and personal accountability (individual), and a second including at least one of available reception and other receptions provided under the total reception of the first hierarchy. A third layer including at least one of a hierarchy, a liquidity reception, a fixed deposit, a savings account, and a marketable deposit provided below a available reception of a second hierarchy provided below the total reception of the first hierarchy; A fourth layer including at least one low cost deposit and a super saving / super purifier provided under the fluid reception of the third layer provided below the available reception of the second layer provided below the total reception of the; A third tier including at least one or more money trusts, beneficiary certificates, foreign currency deposits, and bancassurances provided in the other tier of the second tier provided below the total tier of the first tier; At least one or more foreign funds provided under the beneficiary certificates of the third tier provided under the other receivers of the second tier provided under the total reception of the first tier, and at least one fourth tier including at least one MMF. It is preferable to make.

The selectable foreign exchange menu preferably comprises a first layer including at least one of total import and export, foreign trade remittance, and currency exchange.

According to the total reception of the first tier, the increase / decrease status of the total reception by the sales headquarters was as follows: individual customer group, sales headquarter 1, sales headquarter 2,. , At least one information of the same day, the previous day, the previous day, the previous month, the previous year by the business headquarters n is included.

Those skilled in the art to which the present invention pertains, with reference to Figure 2c, the employee rights information is classified as a sales manager / sales manager / customer manager of the third layer of the personal group customer Various implementation methods for an interface screen configuration for outputting the profitability and financial information corresponding to the daily counting status of each business group may be easily inferred, and the present invention includes all the inferred implementation methods. do.

According to an exemplary embodiment of the present invention, FIG. 2D illustrates a screen for a trend of counting by sales headquarters on an appearance menu screen of an individual customer group among menu screens of employees whose employee authority information is classified as chief executive officer.

In more detail, FIG. 2D illustrates an interface for outputting coefficient trends for each business group of the third tier corresponding to the appearance of the second tier to the individual group customers of the first tier for the employees whose employee rights information is classified as the chief executive officer. As a screen, referring to FIG. 2D, an interface screen for outputting coefficient trends for each business group of a third tier corresponding to the appearance of the second tier includes an organization selection, total loan, The menus related to total reception and foreign exchange, and all of the organizations in the above menu are selected, and the total reception / receipt of the total reception month by sales division for the case of selecting the total reception is output on one interface.

The selectable organization selection menu may include individual customer groups, sales headquarters 1, sales headquarters 2,. At least one business headquarters 20 is preferably included.

The selectable total loan menu includes a first layer including at least one of total loans, bank loans (personal), household loans (personal), trust loans (personal), other loans (personal), and total loans (personal); Household loans provided below the second-tier won loans provided at least one of the total loans of the first tier and foreign currency loans; Preferably, at least one third layer including at least one corporate loan.

The selectable total reception menu includes a first hierarchy including at least one of total reception and personal accountability (individual), and a second including at least one of available reception and other receptions provided under the total reception of the first hierarchy. A third layer including at least one of a hierarchy, a liquidity reception, a fixed deposit, a savings account, and a marketable deposit provided below a available reception of a second hierarchy provided below the total reception of the first hierarchy; A fourth layer including at least one of low cost deposits and super savings / super purifiers, which are provided below the fluidity reception of the third layer provided below the available reception of the second layer provided below the total reception of the; A third tier including at least one or more money trusts, beneficiary certificates, foreign currency deposits, and bancassurances provided in the other tier of the second tier provided below the total tier of the first tier; At least one or more foreign funds provided under the beneficiary certificates of the third tier provided under the other receivers of the second tier provided under the total reception of the first tier, and at least one fourth tier including at least one MMF. It is preferable to make.

The selectable foreign exchange menu preferably comprises a first layer including at least one of total import and export, foreign trade remittance, and currency exchange.

The total monthly increase / decrease status by sales division for the case where all organizations are selected from the above menu and total reception is selected includes at least one graph and a numerical value of the monthly increase / decrease status for the selection. It is preferable.

According to the exemplary embodiment of the present invention, FIG. 2E illustrates a screen of the synergy status of each business unit in the synergy menu screen for the individual customer group among the menu screens for the employees whose employee authority information is classified as the chief executive officer.

Those skilled in the art to which the present invention pertains can refer to FIG. 2D for the employees of the employee group who are classified as sales manager, sales manager or customer representative. Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the coefficient trend for each business group can be easily inferred, and the present invention includes all the inferred implementation methods. .

More specifically, Figure 2e shows the synergy status of each business group of the third tier corresponding to the synergy of the second tier for the individual group customers of the first tier for the employees whose employee rights information is classified as the chief executive officer. As to the interface screen, referring to FIG. 2E, an interface screen for outputting synergy status of each business group of the third layer corresponding to the synergy of the second layer includes the weighted target, performance, progress rate information for each item, and information for each item. It is characterized by outputting the monthly, earnings, monthly information, and the net member new earnings status by sales division in one interface.

The item classification is preferably made of at least one credit card, FNA, bancassurance, investment trust items.

Here, the classification of the credit card is preferably made of at least one of net new member, corporate card sales, corporate card sales net increase.

In addition, the classification for the FNA preferably comprises a trading account item.

The bancassurance classification may include at least one item of revenue, lump sum, and monthly payment.

In addition, the revenue is preferably made to include at least one or more of the entire company.

In addition, it is preferable that the lump sum includes at least one of all the group companies.

In addition, the monthly payment is preferably made of at least one or more of the group company items.

In addition, it is preferable that the investment trust comprises at least one or more of a profit and a flat balance.

It is preferable that the net new earnings status of each member of the sales headquarters includes at least one of the headquarters, the headquarters earnings, monthly earnings, and the previous month's information.

Those skilled in the art to which the present invention pertains can refer to FIG. 2E, and the third hierarchical level for the individual group customer for the employees whose employee rights information is classified as sales manager / store manager / customer manager. Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the synergy status for each business group can be easily inferred, and the present invention is characterized by including all the implementation methods inferred. .

According to an embodiment of the present invention, Figure 2f shows the delinquency status, substandard and below loan status, sales delinquency rate by sales division, and sales on the soundness menu screen for the individual customer group among the menu screens for employees whose employee authority information is classified as chief executive officer. It shows the screen of the soundness status composed of the fixed substandard and below ratio by headquarters.

More specifically, FIG. 2F illustrates an interface screen for outputting the health status of the third tier corresponding to the health of the second tier to the personal group customers of the first tier for the employees whose employee rights information is classified as the chief executive officer. As shown in FIG. 2F, the delinquency status of the third tier corresponding to the soundness of the second tier, the delinquency status, the fixed substandard and below ratio, the delinquency rate by the sales division, and the fixed substandard ratio ratio by the sales division, etc. And output to the interface.

The delinquency status is preferably made of at least one or more information, such as plan, day, month, month, etc., including the results, plans and GAP according to the item by date.

Here, the item preferably comprises at least one overdue amount and a delinquency rate.

In addition, the arrears amount preferably comprises at least one household portion, corporate portion.

In addition, the delinquency rate preferably comprises at least one household portion and at least one corporate portion.

It is preferable that the fixed subcredit status includes at least one or more information on a monthly basis, including a plan, a day, a month, and a plan including a performance, a plan, and a GAP.

Here, it is preferable that an item consists of at least 1 or more of a fixed subcredit total and a fixed subcredit ratio.

In addition, it is preferable that the sub-fixed sum includes at least one of fixation, recovery question, and estimated loss.

The delinquency rate of each business headquarters preferably includes a delinquency rate of business headquarters.

The fixed substandard and below ratio for each business headquarters preferably includes a fixed substandard and below ratio for each business headquarters.

According to the implementation method of the present invention, Figure 2g shows a screen for the status and trend of increase and decrease of the health indicators by sales division in the soundness menu screen for the individual customer group of the menu screen for the employee employee information is classified as the chief executive officer will be.

Those skilled in the art to which the present invention pertains can refer to FIG. 2F, and the third hierarchical level of the personal group customer for the employees whose employee rights information is classified as sales manager / store manager / customer manager. Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the health status will be easily inferred, and the present invention is characterized by including all the implementation methods inferred.

In more detail, Figure 2g shows the status and GAP of the health indicators of each business group of the third tier corresponding to the soundness of the second tier for individual group customers of the first tier for employees whose employee rights information is classified as top management. As shown in FIG. 2G, the interface screen for outputting the health indicator increase / decrease status and GAP for each business group of the third layer corresponding to the health of the second layer is for the daily workgroup. It is characterized in that the health indicators increase and decrease status, monthly health indicator increase and decrease status, etc. are output on one interface.

It is preferable that the status of increase / decrease of the health indicators for the daily business group includes at least one information on the delinquent amount and the delinquency rate according to the daily group, the day before, the month before, and the year before.

The monthly health indicator increase and decrease status preferably includes at least one information on monthly household delinquency, corporate delinquency, household delinquency rate, corporate delinquency rate, total delinquency rate information.

Those skilled in the art to which the present invention pertains, with reference to Figure 2g, the employee rights information is classified as a sales manager / sales manager / customer representative of the third layer of the personal group customer Various implementation methods for the interface screen for outputting the profitability and financial information corresponding to the GAP status and health indicators increase and decrease by business group will be easily inferred, and the present invention includes all the implementation methods inferred. It is characterized by.

According to an embodiment of the present invention, Figure 2h shows a screen consisting of profit and loss status and operating profit progress rate GAP trends by sales division in the profit and loss menu screen for the individual customer group of the menu screen for employees whose employee authority information is classified as the chief executive officer It is shown.

More specifically, FIG. 2h illustrates an interface screen for outputting the profit and loss status of the third tier corresponding to the profit and loss of the second tier to the individual group customer of the first tier for the employee whose employee rights information is classified as the chief executive officer. As shown in FIG. 2D, the interface screen for outputting the profit and loss status of the third tier corresponding to the profit and loss of the second tier is configured to output the monthly profit and loss status, the operating profit progress rate GAP trend for each business division, and the like on one interface. It is characterized by.

It is preferable that the monthly profit and loss status includes at least one item-specific plan, term, and monthly information.

Here, the item preferably includes at least one of operating profit, non-operating profit, ordinary income, bad debt cost, and pretax profit.

In addition, the operating profit preferably comprises at least one of interest, commissions, other operating profit, management settlement adjustment, total expenses items.

In addition, the weight is preferably made up of at least one information, progress rate, year-on-year information.

In addition, it is preferable that the middle of the month comprises at least one or more information, the previous month.

It is preferable that the operating profit progress rate GAP trend for each operating headquarters includes at least one GAP for each headquarter for the individual customer group.

Those skilled in the art to which the present invention pertains can refer to FIG. 2h for the employee who is classified as a sales manager, a sales manager, or a customer representative. Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the profit and loss status can be easily inferred, and the present invention is characterized by including all the implementation methods inferred.

According to an exemplary embodiment of the present invention, FIG. 2i shows a trend screen for each item of profit and loss on a profit and loss menu screen for an individual customer group among menu screens for employees whose employee authority information is classified as chief executive officer.

More specifically, FIG. 2i is an interface screen for outputting trends of profit and loss items of the third tier corresponding to the profit and loss of the second tier to the individual group customers of the first tier for the employees whose employee rights information is classified as the chief executive officer. As illustrated in FIG. 2I, an interface screen for outputting trends of profit and loss items of a third layer corresponding to profits and losses of the second layer includes a menu for selecting information to be displayed on the screen, and information selected from the menus. It is characterized by outputting monthly profit and loss status, progress rate by sales division, trend by sales division, etc. in one interface.

Preferably, the menu for selecting information to be displayed on the screen includes at least one item of operating profit, non-operating profit, ordinary income, bad debt cost, and pretax profit.

In addition, the operating profit preferably comprises at least one of interest, commissions, other operating profit, total expense items.

In addition, the interest is preferably made to include at least one item of the original funds, foreign currency funds.

In addition, the fee is preferably made up of at least one of the won, foreign exchange fees, foreign exchange / derivatives related gains, and other fees items.

In addition, the other operating profit, it is preferable to include at least one or more items, such as credit card, trust, gains and losses related to securities, dividends, closing.

In addition, the total cost is preferably made up of at least one item, such as sales costs, administrative costs, credit costs, overhead costs.

It is preferable to output the information selected from the menu on a monthly basis for the information on the menu selected from the menu, the profit and loss status, the progress rate by the sales headquarters, and the sales headquarters.

Those skilled in the art to which the present invention pertains may refer to FIG. 2i for the employee who is classified as the sales manager, the sales manager, or the customer representative. Various implementation methods for an interface screen configuration for outputting the profitability and financial information corresponding to trends by profit and loss items can be easily inferred, and the present invention includes all the execution methods inferred.

According to the exemplary embodiment of the present invention, FIG. 2j shows a profit and loss trend screen for each business unit on the profit and loss menu screen for the individual customer group among the menu screens for the employees whose employee authority information is classified as the chief executive officer.

In more detail, Figure 2j shows the increase and decrease of the profit and loss of each business group in the third tier corresponding to the profits and losses of the second tier for individual group customers of the first tier for employees whose employee rights information is classified as top management. As shown in FIG. 2j, the interface screen for outputting the increase / decrease status and the GAP for each business group of the third layer corresponding to the profit and loss of the second layer is selected to check detailed information. Possible organization selection menu, and the profit and loss information for each business headquarters for the organization selected in the above menu, characterized in that to output on a single interface.

The organization selection menu that can be selected to confirm the above detailed information includes the entire customer group, the sales headquarters 1, the sales headquarters 2,. At least one business headquarters 20 is preferably included.

The profit and loss information for each business headquarters preferably includes at least one portion for displaying profit and loss information for the organization selected in the menu and displaying a graph and a value for each month.

Those skilled in the art to which the present invention pertains, with reference to Figure 2j, the employee rights information is classified as a sales manager / sales manager / customer manager of the third layer of the personal group customer Various implementation methods for the interface screen for outputting the profit and loss of each business group and the profitability and financial information corresponding to the GAP will be easily inferred, and the present invention includes all the implementation methods inferred. It features.

According to the implementation method of the present invention, Figure 2k is a screen consisting of the commission status and the total progress rate of commissions by sales headquarters in the commission menu screen for the individual customer group of the menu screen for the employee employee information is classified as the chief executive officer It is shown.

In more detail, FIG. 2K illustrates an interface screen for outputting the third-party fee status corresponding to the second-level fee to the first-level personal group customer for the employee whose employee authority information is classified as the chief executive officer. As illustrated in FIG. 2K, the interface screen for outputting the fee status of the third tier corresponding to the fee of the second tier outputs the monthly fee status, the total progress rate of the fee by sales division, and the like in one interface. It is characterized by.

It is preferable that the monthly fee status includes at least one of airborne and monthly information for each item.

Here, the item preferably includes at least one won fee, foreign currency fee, profit or loss related to foreign exchange / derivative products, other fees, and a total of fees.

In addition, the won fee is preferably made of at least one of the import fees, payment fees.

In addition, the import fee is preferably made of at least one or more of remittance / collection, electronic banking, credit related, synergy, business agency, investment banking, and other items.

The commission total progress rate GAP trend for each business headquarters preferably includes trend information of monthly GAPs for the selected business headquarters.

Those skilled in the art to which the present invention pertains, with reference to the drawing 2k, the employee rights information is classified as a sales manager / sales manager / customer representative of the third layer of the personal group customer Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the commission status will be easily inferred, and the present invention is characterized by including all the implementation methods inferred.

According to an exemplary embodiment of the present invention, FIG. 2L illustrates a trend screen for fee items on a fee menu screen for an individual customer group among menu screens for employees whose employee rights information are classified as chief executive officers.

In more detail, FIG. 2L shows an interface screen for outputting trends of fee items of a third tier corresponding to fees of a second tier to individual group customers of the first tier for employees whose employee authority information is classified as chief executive officer. As illustrated in FIG. 2L, an interface screen for outputting trends of fee items of a third tier corresponding to a fee of the second tier includes a menu selectable to confirm detailed information and a menu selected from the menu. It is characterized by outputting a part for displaying information on a monthly basis in one interface.

It is preferable that the menu selectable to confirm the detailed information includes a fee total.

In addition, the sum of the fees is preferably made of at least one of the won commissions, foreign exchange fees, foreign exchange / derivatives related profits, and other commission items.

In addition, the won fee is preferably made of at least one of the import fees, payment fees.

In addition, the import fee is preferably made of at least one or more of remittance / collection, electronic banking, credit related, synergy, business agency, investment banking, and other items.

In addition, the synergy business preferably comprises at least one of indirect investment securities, bancassurance, securities account items.

It is preferable that the portion for displaying the information selected from the menu on a monthly basis includes at least one or more selection information for each business headquarters for the individual customer group.

According to the implementation method of the present invention, Figure 2m shows a screen consisting of the current status of the margin and the won loan margin ratio by sales headquarters in the margin menu screen for the individual customer group of the menu screen for employees whose employee authority information is classified as the chief executive officer It is.

Those skilled in the art to which the present invention pertains, with reference to Figure 2l, the employee rights information is classified as a sales manager / sales manager / customer representative of the third layer of the personal group customer Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the commission status will be easily inferred, and the present invention is characterized by including all the implementation methods inferred.

In detail, FIG. 2m shows an interface screen for outputting a margin status of a third tier corresponding to a margin of a second tier to a personal group customer of the first tier for an employee whose employee authority information is classified as a chief executive officer. As shown in FIG. 2m, the interface screen for outputting trends of fee items of the third tier corresponding to the margins of the second tier includes margin statuses for displaying margin rates for each item, and won-denominated loan margin rates for each business division. It characterized in that the output to one interface.

It is preferable that the margin status indicating the margin rate for each item includes at least one information about a monthly margin rate for each item, a month-on-month and quarterly information.

Here, it is preferable that the item includes at least one or more won loans and won deposits.

In addition, the won loan is preferably made up of at least one household loan, corporate loan, other loan items.

In addition, the household loan is preferably made to include a mortgage.

In addition, the won deposits preferably comprise at least one of liquidity, deferred, earning, marketable items.

The won-denominated loan margin ratio of each operating division preferably includes at least one information on the monthly margin, monthly, previous quarter, and fourth quarter of last year.

Those skilled in the art to which the present invention pertains, with reference to this figure 2m of the third layer of the personal group customer for the employee with the employee authority information classified as sales manager / sales manager / customer manager Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the change of fee items may be easily inferred, and the present invention is characterized by including all the execution methods inferred.

According to an exemplary embodiment of the present invention, FIG. 2n illustrates a margin increase / decrease status and trend screen for each sales division on a margin menu screen for an individual customer group among menu screens for employees whose employee authority information is classified as chief executive officer.

In more detail, Figure 2n outputs a margin increase / decrease trend for each business group of the third tier corresponding to the second tier margin for the individual group customer of the first tier for the employee whose employee rights information is classified as the chief executive officer. As an interface screen, referring to FIG. 2n, an interface screen for outputting margin increase / decrease for each business group of a third tier corresponding to a margin of a second tier includes a selection menu of a sales headquarter that can be selected for detailed information; In addition, the margin status information for each item of the sales headquarters selected in the menu may be displayed on one interface.

The sales headquarters menu includes all individual customer groups, sales headquarters 1, sales headquarters 2,... At least one business headquarters 20 is preferably included.

The margin status preferably includes at least one portion displaying a graph on a monthly basis and a portion displaying a numerical value of information on the sales headquarters selected from the menu.

Those skilled in the art to which the present invention pertains, with reference to the figure 2n of the third layer for the individual group customer for the employee whose employee authority information is classified as sales manager / sales manager / customer representative Various implementation methods for the interface screen for outputting the profitability and financial information corresponding to the margin increase and decrease by business group will be easily inferred, and the present invention includes all the implementation methods inferred. do.

3 illustrates a system of an interface screen and a menu for providing profitability and financial information of a sales manager, a sales manager, and a customer representative in accordance with an embodiment of the present invention.

In more detail, FIG. 3 illustrates at least one client terminal 175 in a predetermined profitability and financial information providing server 100 based on a Transmission Control Protocol / Internet Protocol (TCP / IP) based network (eg, the Internet). Based on the provision of differentiated profitability and financial information for each user (and / or the user-differentiated profitability and financial information exchange between the at least one or more client terminals 175 and the profitability and financial information providing server 100). The present invention relates to a preferred implementation method for an interface screen of a system for providing differentiated profitability and financial information for each user for providing differentiated profitability and financial information for each user.

According to the implementation method of the present invention, Figure 3a shows a menu system for employees whose employee rights information is classified as sales manager / sales manager / customer representative.

In more detail, Figure 3a is a hierarchical structure of the menu in order to provide the profitability and financial information for employees whose employee rights information is classified as sales manager / sales manager / customer manager, see Figure 3a. The hierarchical structure may include a first hierarchy including at least one of a previous group, an individual customer group, a corporate customer group, a PB customer group, a special customer group, a SOHO customer group, an IB group, a fund / international group, and a trust group; At least one or more second tier provided below the first tier (eg, when the first tier is a personal customer group, at least one of dashboard, appearance, synergy, soundness, profit and loss, fee, margin, comparison by evaluation group, etc.). Including a layer) and at least one third layer below the second layer (eg, the first layer is an individual customer group and a second layer corresponding to the first layer is external). , It is preferably comprises the daily decrease coefficient into the coefficient transition and appearance ratio trends, etc.).

If a person having ordinary knowledge in the technical field to which the present invention belongs, the hierarchical layer for providing the profitability and financial information to the employee whose employee authority information is classified as a sales manager, a sales manager, or a customer representative with reference to FIG. It will be able to easily infer the redundancy menu system, the present invention is characterized in that it comprises all the implementation methods inferred.

According to an embodiment of the present invention, Figure 3b shows a dashboard interface screen for the individual customer group of the menu screen for the employee employee information is classified as sales manager / sales manager / customer representative.

More specifically, Figure 3b shows the profitability and financial information corresponding to the dashboard of the second tier for the individual group customers of the first tier for the employees whose employee authority information is classified as sales manager / store manager / customer manager. 3B, the interface screen for outputting the profitability and financial information corresponding to the dashboard of the second tier includes daily coefficient status, synergy operating results, profit and loss status, and the like. It is characterized by outputting the overdue status on one interface.

The daily count is preferably made of at least one or more total loans, total reception.

In addition, the total loan is preferably made up of at least one household loan, corporate loan.

In addition, the total reception preferably comprises at least one of liquidity, low cost deposit, deferred, earning, marketability.

In addition, the synergy business results preferably comprise at least one or more of a credit card, FNA, bancassurance, investment trust.

Here, it is preferable that the credit card information includes a new member.

In addition, the FNA preferably comprises the number of new customers.

In addition, the bancassurance is preferably made of at least one or more group companies for the monthly payment in terms of the monthly payment.

In addition, the investment trust preferably comprises at least one or more of the total company for the monthly basis, the group company for the monthly average balance, the total company for the monthly basis increase, the group company for the monthly basis increase.

In addition, the profit and loss status, it is preferable to include at least one or more information about monthly pre-tax profit, monthly RAROC information.

In addition, it is preferable that the delinquency state includes at least one or more delinquency rate information for the past and the present and delinquency rate prediction information for the future.

Those skilled in the art to which the present invention pertains, with reference to Figure 3b, the employee rights information is classified as a sales manager / sales manager / customer representative of the second tier of the personal group customer Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the dashboard may be easily inferred, and the present invention is characterized by including all the implementation methods inferred.

According to the implementation method of the present invention, Figure 3c is a dashboard for the daily counting status and trend in the appearance menu screen for the individual customer group of the menu screen for employees whose employee authority information is classified as sales manager / sales manager / customer manager The interface screen is shown.

In more detail, Figure 3c shows the daily counting status of the third tier corresponding to the appearance of the second tier for the individual group customers of the first tier for the employees whose employee rights information is classified as sales manager / store manager / customer manager. And an interface screen for outputting a trend, and referring to FIG. 3C, an interface screen for outputting daily count status of each business group of the third layer corresponding to the appearance of the second layer includes the same day, previous day, Compared to the previous day, the previous month, the previous year, the total receipts, the same day, the day before, the previous day, the previous month, the total amount of the previous year, total loans, etc. in one interface.

The various items for the total reception preferably include at least one of total reception, liquidity, low cost deposit, deferred payment, marketability, money trust, beneficiary certificates, foreign currency deposits, and bancassurance (floating).

The various items for the total reception preferably include at least one of total loans (for evaluation), Korean won loans, household loans, corporate loans and foreign currency loans.

Those skilled in the art to which the present invention pertains, with reference to this figure 3c, the employee rights information is classified as a sales manager / sales manager / customer representative of the third tier of the personal group customer Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the daily counting status of each business group may be easily inferred, and the present invention includes all the inferred implementation methods. do.

According to an embodiment of the present invention, Figure 3d is a dashboard of the daily counting status and trend in the appearance menu screen for the individual customer group of the menu screen for the employee employee information is classified as sales manager / sales manager / customer manager The interface screen is shown.

In more detail, FIG. 3D shows the trend of the third tier corresponding to the appearance of the second tier for the individual group customers of the first tier for the employees whose employee rights information is classified as the sales manager / store manager / customer manager. As to the interface screen to be output, referring to FIG. 3D, the interface screen for outputting the coefficient trend of the third layer corresponding to the appearance of the second layer includes an appearance coefficient item selection part, a result display part of the selected item, and the like. It characterized in that the output to one interface.

The appearance coefficient item selection portion preferably comprises at least one of total loan, total reception, and foreign exchange items.

The total loan item is preferably made up of at least one of total loans (for evaluation), bank loans (personal), trust loans (personal), other loans (personal).

In addition, the total loan item is preferably made of at least one or more foreign currency loans.

In addition, the won loan item is preferably made up of at least one household loan, mortgage loan, corporate loan.

In addition, the bank loan item preferably comprises a bank household loan.

Those skilled in the art to which the present invention pertains can refer to FIG. 3D, and the third hierarchical level for the individual group customer for the employees whose employee rights information is classified as sales manager / store manager / customer manager. Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the counting trend can be easily inferred, and the present invention is characterized by including all the implementation methods inferred.

According to an embodiment of the present invention, Figure 3e is a dashboard of the daily counting status and trend on the appearance menu screen for the individual customer group of the menu screen for the employee employee information is classified as sales manager / sales manager / customer manager The interface screen is shown.

In more detail, Figure 3e shows the appearance of the third-tier appearance structure corresponding to the appearance of the second-tier for the individual group customers of the first-tier for the employees whose employee rights information is classified as sales manager / store manager / customer manager. 3E, the interface screen outputting trends in the appearance ratio of the third layer corresponding to the appearance of the second layer includes: KRW household loan, KRW enterprise loan, KRW other loan, It is characterized by outputting the amounts and composition ratios of foreign currency loans and other credit items in a single interface.

The charts and graphs above show the amounts for household loans, won company loans, other won loans, foreign currency loans, and other loan items for a specified period (for example, January 2006 to December 2006). It is preferable to include at least one portion for displaying the composition ratio by month or month using a graph or a chart.

Those skilled in the art to which the present invention pertains can refer to FIG. 3E for the employee who is classified as the sales manager, the sales manager, or the customer representative. Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the appearance configuration ratio can be easily inferred, and the present invention is characterized by including all the implementation methods inferred.

According to an embodiment of the present invention, Figure 3f is a dashboard for the daily counting status and trends in the synergy menu screen for the individual customer group of the menu screen for employees whose employee authority information is classified as sales manager / sales manager / customer manager The interface screen is shown.

More specifically, Figure 3f shows the synergy status of the third tier corresponding to the synergy of the second tier with respect to the individual group customers of the first tier for the employees whose employee rights information is classified as sales manager / store manager / customer manager. As an interface screen for outputting a trend, referring to FIG. 3F, an interface screen for outputting a synergy status and trend of a third layer corresponding to the synergy of the second layer may be synergistic status and trend and monthly new member trend. And the like on one interface.

It is preferable that the synergy status and trend include at least one or more of the item-specific results and the weight of the previous month, the performance and the month of the previous month.

Here, the item is preferably made of at least one credit card, FNA, bancassurance, investment trust.

Here, it is preferable that the credit card information includes a new member.

In addition, the FNA preferably comprises the number of new customers.

In addition, the bancassurance is preferably made of at least one or more group companies for the monthly payment in terms of the monthly payment.

The new member monthly trend is preferably displayed monthly information for the new member member selected in the item.

Those skilled in the art to which the present invention pertains can refer to FIG. 3f, and the third hierarchical level of the personal group customer for the employees whose employee rights information is classified as sales manager / store manager / customer manager. Various implementation methods for the interface screen for outputting the profitability and financial information corresponding to the synergy status and trend will be easily inferred, and the present invention includes all the inferred implementation methods. .

According to the implementation method of the present invention, Figure 3g is a dashboard for the daily counting status and trend in the soundness menu screen for the individual customer group of the menu screen for employees whose employee authority information is classified as sales manager / sales manager / customer manager The interface screen is shown.

More specifically, Figure 3g shows the status of the health of the third tier corresponding to the health of the second tier for the individual group customers of the first tier for employees whose employee rights information is classified as sales manager, sales manager, or customer representative. As an interface screen for outputting a trend, referring to FIG. 3G, an interface screen for outputting the status and trends of the health of the third layer corresponding to the health of the second layer may include monthly information on the overdue in charts and graphs. It is characterized in that the display portion, and the portion for displaying the monthly information about substandard and below fixed in a single interface.

In the section displaying the monthly information on the delinquent in a chart and a graph, it is preferable to output the past information to the interface as a chart and a graph up to the month selected by the employee according to the division.

Here, it is preferable that the division includes at least one or more of the total delinquent amount, the total delinquency rate, the household delinquency of the delinquent amount and delinquency rate, the delinquent amount of the delinquent amount and the delinquency rate.

In the portion displaying monthly information about the substandard and below loan in a chart and a graph, it is preferable to output the past information to the interface as a chart and a graph up to a month selected by an employee according to the classification.

Here, it is preferable that the division is made up of at least one or more of the sum of substandard and below loans, the fixed, the number of questions, the estimated loss, the ratio of substandard and below loans.

Those skilled in the art to which the present invention belongs, refer to this figure 3g of the third layer of the personal group customer for the employee whose employee authority information is classified as sales manager / sales manager / customer representative Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the current status and trends of the health will be easily inferred, and the present invention is characterized by including all the implementation methods inferred.

According to an embodiment of the present invention, Figure 3h is a dashboard for daily counting status and trend in the profit and loss menu screen for the individual customer group of the menu screen for employees whose employee authority information is classified as sales manager / sales manager / customer manager The interface screen is shown.

In more detail, Figure 3h shows the profit and loss status of the third tier corresponding to the profit and loss of the second tier for the individual group customers of the first tier for the employees whose employee rights information is classified as sales manager, sales manager, or customer representative. Referring to FIG. 3h, the interface screen outputting the profit and loss status of the third tier corresponding to the profit and loss of the second tier includes a chart of profit and loss, a graph of profit and loss, and the like. Output to the interface.

It is preferable that the chart of the profit and loss status includes at least one of the performance of the items and the year-on-year increase and decrease of the year-on-year and the year-on-year increase and decrease of the year-on-year and year-on-year increase and decrease. Do.

Here, the item preferably includes at least one of operating profit, non-operating profit, ordinary income, bad debt cost, and pretax profit.

In addition, the operating profit item preferably includes at least one of interest, commission, other operating profit, management settlement adjustment, total expenses.

The graph of profit and loss includes at least one of interest, commission, other operating income, operating income, non-operating income, ordinary income, pre-tax profit, previous year's results, previous year's results, and year-on-year comparison. desirable.

Those skilled in the art to which the present invention pertains can refer to FIG. 3h, and the third hierarchical level for the individual group customer for the employees whose employee rights information is classified as sales manager / store manager / customer manager. Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the profit and loss status can be easily inferred, and the present invention is characterized by including all the implementation methods inferred.

According to an embodiment of the present invention, Figure 3i is a dashboard for daily counting status and trends in the profit and loss menu screen for the individual customer group of the menu screen for employees whose employee authority information is classified as sales manager / sales manager / customer manager The interface screen is shown.

In more detail, Figure 3i shows the profit and loss items of the third tier corresponding to the profits and losses of the second tier for individual group customers of the first tier for employees whose employee rights information is classified as sales manager, sales manager, or customer representative. As an interface screen for outputting a trend of increase and decrease, referring to FIG. 3I, an interface screen for outputting a trend of increase and decrease for each item of profit and loss of a third layer corresponding to the profit and loss of the second layer is provided. It is characterized in that the output of a part such as to display the chart and graph in a single interface.

The profit and loss item selection menu preferably includes at least one of operating profit, non-operating profit, ordinary income, bad debt cost, and pretax use.

Here, the operating profit item preferably comprises at least one of interest, commission, other operating profit, total cost.

In addition, the interest item is preferably made of at least one or more of the won and foreign currency funds.

In addition, it is preferable that the item of won-money includes at least one of operation, procurement, and other interest.

In addition, the foreign currency fund item is preferably made of at least one foreign currency operation, foreign currency procurement, foreign currency other interests.

In addition, the fee item preferably comprises at least one won fee, foreign exchange fees, foreign exchange / derivatives related profits, and other fees.

In addition, the other operating profit items preferably include at least one or more of credit card, trust, security gains and losses, dividends, closing.

In addition, the total cost item is preferably made up of at least one of sales costs, administrative costs, credit costs, overhead costs.

In addition, the non-operating income is preferably made to include at least one or more profits related to investment securities, other non-operating profits.

The portion displaying the selected items in a chart and a graph may preferably include at least one chart and a graph for each selected item up to a month selected by the employee.

Those skilled in the art to which the present invention pertains can refer to FIG. 3i for the employee who has classified the employee authority information as a sales manager, a sales manager, or a customer representative. Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the increase / decrease trend by profit and loss items may be easily inferred, and the present invention includes all the execution methods inferred. do.

According to the implementation method of the present invention, Figure 3j is a dashboard for the daily counting status and trend in the commission menu screen for the individual customer group of the menu screen for employees whose employee authority information is classified as sales manager / sales manager / customer manager The interface screen is shown.

In more detail, FIG. 3j shows the third-level fee items corresponding to the second-tier fees for the personal group customers of the first-tier for employees whose employee rights information is classified as sales manager, sales manager, or customer representative. As an interface screen for outputting a change in trend, referring to FIG. 3j, an interface screen for outputting a trend of change in fee items of a third tier corresponding to the fee of the second tier shows a fee status and the fee status. And outputting the portion displayed in a diagram on one interface.

It is preferable that the commission status includes at least one or more periods including item performance, year-on-year increase and decrease, and year-on-year increase and decrease.

Here, it is preferable that the item includes at least one won fee, foreign exchange fee, gains and losses related to foreign exchange / derivative products, other fees, and a total of fees.

In addition, it is preferable that the won fee comprises at least one of an import fee and a payment fee.

In addition, the income fee is preferably made of at least one or more of remittance / collection, electronic banking, credit related, synergy business, business agency, investment banking, and the like.

In addition, the synergy business is preferably composed of at least one branch investment securities, bancassurance, securities account.

The graph and the graph showing the current status of the fee is a graph showing the year-to-year, current month and month results for each item including at least one fee total, won fee, synergy fee, foreign exchange fee, foreign exchange / derivative-related fee, other fees It is preferable to include at least one or more parts for displaying the above-mentioned chart according to the division and the current month, year-over-year results, year-on-year classification.

If the person of ordinary skill in the technical field of the present invention belongs to the third layer of the personal group customer for the employee with the employee authority information is classified as sales manager / sales manager / customer representative with reference to Figure 3j Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the increase / decrease by fee item may be easily inferred, and the present invention may include all the execution methods inferred. .

According to an embodiment of the present invention, Figure 3k is a dashboard for daily counting status and trends in the commission menu screen for the individual customer group of the menu screen for employees whose employee authority information is classified as sales manager / sales manager / customer manager The interface screen is shown.

In more detail, FIG. 3k shows the fee items of the third tier corresponding to the fees of the second tier for the individual group customers of the first tier for the employees whose employee rights information is classified as sales manager, sales manager, or customer representative. As an interface screen for outputting a change trend, referring to FIG. 3K, an interface screen for outputting a change trend for each fee item of a third tier corresponding to the fee of the second tier includes a fee item selection menu and the selected item. It is characterized by outputting the part which displays the graph in one interface.

The fee item selection menu preferably includes at least one won fee, foreign exchange fee, gains and losses related to foreign exchange / derivative products, and other fees.

Here, it is preferable that the sum of fees includes at least one won fee, foreign exchange fee, gains and losses related to foreign exchange / derivative products, and other fees.

In addition, the won fee is preferably made of at least one import fee, now fees.

In addition, the import fee is preferably made of at least one or more of remittance / collection, electronic banking, credit related, synergy, business agency, investment banking, and the like.

In addition, the remittance / collection preferably comprises at least one or more remittance, collection.

In addition, the electronic banking is preferably made of at least one or more automated equipment, remittance (electronic banking), services.

In addition, it is preferable that the credit related is made up of at least one or more of handling a credit.

In addition, the synergy business preferably comprises at least one of indirect investment securities, bancassurance, securities accounts.

Preferably, the at least one portion displaying the selected item in a graph includes at least one portion displaying a monthly information and a portion displaying a graph for the selected item.

If the person of ordinary skill in the technical field of the present invention belongs to the third layer of the personal group customer for the employee with the employee authority information is classified as sales manager / sales manager / customer representative with reference to this figure 3k. Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the increase / decrease by fee item may be easily inferred, and the present invention may include all the execution methods inferred. .

According to an embodiment of the present invention, Figure 3l is a dashboard for daily counting status and trends on the margin menu screen for the individual customer group of the menu screen for employees whose employee authority information is classified as sales manager / sales manager / customer manager The interface screen is shown.

In more detail, Figure 3L shows the status of the third-tier margin corresponding to the second-tier margin for the first-tier personal group customers for the employees whose employee rights information is classified as sales manager, sales manager, and customer representative. An interface screen for outputting an increase or decrease trend, referring to FIG. 3L, an interface screen for outputting a margin status and increase or decrease trend of a third layer corresponding to the margin of the second layer may be selected from a margin item selection menu and a selected item. It is characterized by outputting a table and a graph for displaying on a single interface.

Preferably, the margin item selection menu includes at least one won loan and one won deposit.

In addition, it is preferable that the won loan comprises at least one or more household loans, corporate loans, other loans.

In addition, the household loan is preferably made to include a mortgage loan.

In addition, the won deposits preferably comprise at least one of liquidity, deferred, earning, marketability.

Preferably, the at least one portion for displaying a chart and a graph for the selected item includes at least one portion for displaying monthly information on the selected item and a portion for displaying a graph.

Those skilled in the art to which the present invention pertains, with reference to this figure 3l, the employee rights information is classified as a sales manager / sales manager / customer representative of the third layer of the personal group customer Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the margin status and the trend of increase and decrease may be easily inferred, and the present invention includes all the implementation methods inferred. .

According to an embodiment of the present invention, Figure 3m is a menu screen for employees whose employee authority information is classified as sales manager / sales manager / customer manager for the status and trends of the daily coefficients in the comparison menu screen by evaluation group for individual customer group The dashboard interface screen is shown.

In detail, FIG. 3m shows the appearance of the third tier corresponding to the comparison of the second tier by the evaluation group of the first tier individual group customers for the employees whose employee authority information is classified as sales manager / store manager / customer manager. As shown in FIG. 3M, an interface screen for outputting an appearance of a third layer corresponding to a comparison by evaluation group of the second layer is illustrated in FIGS. 3C, 3D, and 3E. And a portion for displaying the ranking based on the obtained information in a chart and a graph on one interface.

Those skilled in the art to which the present invention pertains, with reference to this figure 3m of the third layer of the personal group customer for the employee for which the employee authority information is classified as sales manager / sales manager / customer manager Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the appearance may be easily inferred, and the present invention is characterized by including all the implementation methods inferred.

According to an embodiment of the present invention, Figure 3n is a menu screen for employees whose employee authority information is classified as sales manager / sales manager / customer manager for the daily counting status and trends in the comparison menu screen by evaluation group for the individual customer group The dashboard interface screen is shown.

In more detail, Figure 3n shows the synergy of the third tier corresponding to the comparison of the second tier of evaluation group with respect to the individual group customers of the first tier for the employees whose employee rights information is classified as sales manager / store manager / customer manager. As shown in FIG. 3N, the interface screen outputting synergy of the third layer corresponding to the comparison by the evaluation group of the second layer is plotted according to the information shown in FIG. 3F. And outputting a graph and the like on one interface.

Those skilled in the art to which the present invention pertains can refer to FIG. 3n, and the third hierarchical level for the individual group customer for the employees whose employee rights information is classified as sales manager / store manager / customer manager. Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the synergy will be easily inferred, and the present invention includes all the inferred implementation methods.

According to the implementation method of the present invention, Figure 3o is a menu screen for employees whose employee authority information is classified as sales manager / sales manager / customer manager for daily counting status and trends in the comparison menu screen by evaluation group for individual customer group The dashboard interface screen is shown.

More specifically, FIG. 3o shows the health of the third tier corresponding to the comparison of the second tier of evaluation group for the first group's individual group customers for the employees whose employee rights information is classified as sales manager / store manager / customer manager. As shown in FIG. 3O, the interface screen outputting the soundness of the third layer corresponding to the comparison by the evaluation group of the second layer includes a ranking based on the information shown in FIG. 3G. And outputting a graph and the like on one interface.

If the person of ordinary skill in the technical field of the present invention belongs to the third layer of the personal group customer for the employee, the employee authority information is classified as sales manager / sales manager / customer representative with reference to this figure 3o Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to soundness will be easily inferred, and the present invention is characterized by including all the implementation methods inferred.

According to the implementation method of the present invention, Figure 3p is a menu screen for employees whose employee authority information is classified as sales manager / sales manager / customer manager for the status and trends of the daily coefficients in the comparison menu screen by evaluation group for the individual customer group The dashboard interface screen is shown.

In more detail, Figure 3p shows the profit and loss of the third tier corresponding to the comparison of the second tier by evaluation group for the individual group customers of the first tier for employees whose employee rights information is classified as sales manager, sales manager, or customer representative. Interface screen for outputting a fee / fee, and referring to FIG. 3p, an interface screen for outputting a profit / fee for a third layer corresponding to a comparison by the evaluation group of the second layer is shown in FIGS. 3h, 3i, 3J, 3K, and the like, which display the ranks based on the information shown in diagrams and graphs.

If the person of ordinary skill in the technical field of the present invention belongs to the third layer of the personal group customer for the employee with the employee authority information is classified as sales manager / sales manager / customer representative with reference to Figure 3p. Various implementation methods for the interface screen configuration for outputting the profitability and the financial information corresponding to the profit / loss fee can be easily inferred, and the present invention is characterized by including all the execution methods inferred.

According to the implementation method of the present invention, Figure 3q is a menu screen for employees whose employee authority information is classified as sales manager / sales manager / customer manager for the daily counting status and trend on the comparison menu screen for the evaluation group for the individual customer group The dashboard interface screen is shown.

More specifically, Figure 3q shows the margin of the third tier corresponding to the comparison by the evaluation group of the second tier with respect to the individual group customers of the first tier for employees whose employee rights information is classified as sales manager, sales manager, or customer representative. As shown in FIG. 3q, the interface screen outputting a margin of the third layer corresponding to the comparison of the evaluation group of the second layer is ranked according to the information shown in FIG. 3l. It is characterized by outputting the parts displayed on the chart and graph in one interface.

Those skilled in the art to which the present invention pertains, refer to the drawing 3q of the third layer of the personal group customer for the employee whose employee authority information is classified as sales manager / sales manager / customer manager Various implementation methods for the interface screen configuration for outputting the profitability and financial information corresponding to the margin may be easily inferred, and the present invention is characterized by including all the implementation methods inferred.

Figure 4 shows the configuration of the non-facing channel-specific profitability calculation system 184 for calculating the profitability for each non-facing channel according to the embodiment of the present invention.

More specifically, Figure 4 divides the unit of profitability calculation into eight, calculates the profitability by unit in each of eight servers, and calculates the results from eight servers in order to calculate the profitability for each non-face-to-face channel according to the customer. As shown in FIG. 4, a system capable of operating a profitability calculation result through the channel profitability calculation server 400, and those skilled in the art to which the present invention pertains, refer to FIG. Various implementation methods for operating the output and calculation results may be inferred, but the present invention is not limited to the drawing 4, but includes all the implementation methods inferred.

Referring to FIG. 4 according to an embodiment of the present invention, the non-face-to-face profitability calculation system 184 for calculating the profitability of each non-face-to-face channel according to the customer and operating the calculation result is an individual customer group profitability calculation server 405 and a PB. Customer group profit calculation server (410), special customer group profit calculation server (415), corporate customer group profit calculation server (420), age-based profit calculation server (425), regional profit calculation server (430), gender profit calculation server ( 435), the profitability calculation server 440 for each job, the non-facing channel profitability calculation server 400, and the financial system 450 are provided.

In addition, individual customer group profitability calculation server 405, PB customer group profitability calculation server 410, special customer group profitability calculation server 415, corporate customer group profitability calculation server 420, age-specific profitability calculation server 425, Regional profitability calculation server 430, gender profitability calculation server 435, job profitability calculation server 440, non-facing channel profitability calculation server 400 may be provided inside the financial system 450, financial system It may be provided outside the 450.

In addition, individual customer group profitability calculation server (405), PB customer group profitability calculation server (410), special customer group profitability calculation server (415), corporate customer group profitability calculation server (420), age-specific profitability calculation server (425) , Profitability calculation server 430 by region, profitability calculation server 435 by gender, profitability calculation server 440 by job, non-facing channel profitability calculation server 400 may be provided in the form of a module in one server.

Here, the integrated server receives the information of the PB customer group, the information receiving unit (or information receiving means) for receiving the information of the individual customer group receiving information from the ledger D / B in connection with the external system of the financial system 450 Information receiving unit for receiving information of the special customer group, information receiving unit for receiving information of the corporate customer group, information receiving unit for receiving age-specific information, information receiving unit for receiving regional information, information receiving unit for receiving gender information, Characterized in that it comprises at least one or more information receiving unit for receiving the information receiving unit for receiving the job-specific information.

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

In addition, the integrated server checks the non-face-to-channel profitability information for the individual customer group of the information extracted by the information extraction unit (or information verification means), the non-face-to-face profitability information for the PB customer group Information confirmation unit to verify information, non-face-to-face profitability information for special customer group, information confirmation unit to confirm profitability information for non-face-to-face channel by age, profitability information for non-face-to-face channel by region At least one information confirmation unit for confirming, information confirmation unit for confirming the profitability information for each non-face-to-channel according to gender, and at least one information confirmation unit for confirming the profitability information for each non-face-to-channel according to the job is characterized in that it is made.

In addition, the integrated server may include a profitability calculation unit (or profitability calculation unit) for calculating profitability information for each non-face-to-face channel of the individual customer group among the information checked by the information checking unit, and profitability information for each non-face-to-face channel for the PB customer group. Profitability calculation unit for calculating, non-face-to-channel profitability information for special customer group, profitability calculation unit for calculating non-face-to-face profitability information for corporate customer group, profitability information for each non-face-to-face channel Profitability calculation unit for calculating, Profitability calculation unit for calculating profitability information for each non-face-to-face channel by region, Profitability calculation unit for calculating profitability information for non-face-to-face channel for gender, Profitability calculation for calculating non-face-to-channel profitability information for each job It is characterized by comprising at least one or more parts.

In addition, the profitability calculation unit calculates the profitability of each non-face-to-face channel of the individual customer group, the profitability calculation result of the non-face-to-face channel of the PB customer group, the profitability calculation result of the non-face-to-face channel of the special customer group, and the profitability of the non-face-to-face channel of the corporate customer group. As a result, the results of profitability calculation by non-face-to-face channel for age, profitability calculation by non-face-to-face channel for region, profitability calculation by non-face-to-face channel for gender, and profitability calculation by non-face-to-face channel for job are integrated. Characterized in that it comprises at least one function for calculating the profitability for each non-facing channel.

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

In addition, the integrated server has a D / B for storing the profitability calculation results for each non-facing channel for the customer, or a separate D / B with a D / B for storing the profitability calculation results for the non-facing channel for the customer It is linked with server through communication network.

According to the implementation method of the present invention, the individual customer group profitability calculation server 405 calculates profitability by the account product or non-account product of the individual customer group or profitability by joining a new account product or a new non-account product of the individual customer group. It is characterized by providing a calculation function.

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

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

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

In addition, 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.

According to an embodiment of the present invention, the PB customer group profitability calculation server 410 may calculate profitability by accounting products or non-accounting products of the PB customer group or profitability by joining new account products or new non-accounting products of the PB customer group. It is characterized by providing a calculation function.

According to the implementation method of the present invention, the special customer group profitability calculation server 415 is a profitability by calculating the profitability by the account product or non-account product of the special customer group or by joining a new account product or new non-account product of the special customer group. It is characterized by providing a calculation function.

According to an embodiment of the present invention, the corporate customer group profitability calculation server 420 may calculate profitability by accounting products or non-accounting products of the corporate customer group, or profitability by joining new account products or new non-accounting products of the corporate customer group. It is characterized by providing a calculation function.

According to an embodiment of the present invention, the age-based profitability calculation server 425 provides a profitability calculation function according to age-based accounting products or non-accounting product profitability calculation or age-specific new accounting products or new non-accounting product subscriptions. It is done.

According to an embodiment of the present invention, the regional profitability calculation server 430 provides a profitability calculation function according to a regional account product or a non-account product profitability calculation or a regional new account product or a new non-account product subscription. It is done.

According to the implementation method of the present invention, the gender profit calculation server 435 provides a profitability calculation function according to a gender account product or a non-account product according to gender or a new account product or new non-account product subscription based on gender. Characterized in that.

According to the implementation method of the present invention, the job profit calculation server 440 for each job provides a function for calculating profitability by job accounting or non-account product or job profit calculation function by joining a new account product or new non-account product by job. Characterized in that.

According to an embodiment of the present invention, the non-facing channel profitability calculation server 400 may include profitability information calculated by the individual customer group profitability calculation server 405 or profitability calculated by the PB customer group profitability calculation server 410. Information, or profitability information calculated by the special customer group profitability calculation server 415, or profitability information calculated by the corporate customer group profitability calculation server 420, or profitability information calculated by the age-specific profitability calculation server 425. Or profitability calculation function comprising at least one of profitability calculation server 440, profitability information calculated by gender profitability calculation server 435, or profitability information calculated by job profitability calculation server 440. It characterized in that to provide.

According to an embodiment of the present invention, the financial system 450 is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (eg, a branch network). Characterized in that, through the counter terminal provides a financial transaction service of face to face at least one financial transaction customer.

In addition, the financial system 450 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 450 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 financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 450 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system 450 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 through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to the above financial transaction customers.

In addition, the financial system 450 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 financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 450 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV connected to the home network and / Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system 450 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server, The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 4, the financial system 450 is provided to a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. 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 financial system 450 and at least one or more other financial systems 450 (and / or payment systems), and / or at least one non-face-to-face financial transaction means (eg, Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) And an external system that provides access to 450 and / or provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). 450 is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system 450, and predetermined information required for performing each function in the components in the financial system 450. (Eg, ledger information, and / or customer information, and / or management information, etc.), characterized in that it comprises a DBMS (DataBase Management System) including at least one database for storing and managing.

In addition, the financial system 450 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 450 and the purpose of the financial system 450. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical matters of the financial system 450, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

5 shows a system configuration for calculating the profitability of a non-face-to-face individual customer according to an embodiment of the present invention.

In more detail, Figure 5 shows customer information (eg, social security number, etc.), one or more subscription account information (eg, savings account, savings account, etc.) or subscription cost account information (eg, foreign exchange product (Lancus) for calculating profitability of individual customers. Non-face-to-face channel information (e.g., import / export transaction products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), subscription accounts or subscription accounts , Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking), non-face-to-face channel information, new subscription account information or new subscription account information, new subscription account information or new subscription account information processing the transaction history The internal configuration of the system for extracting non-face-to-face channel information, and extracting information about individual customers from the extracted information to calculate profitability for each non-face-to-face channel for each individual customer is shown. As those skilled in the art to which the present invention pertains, various embodiments of the system for calculating the profitability of individual customers may be inferred with reference to FIG. 5, but the present invention is not limited to the present invention. But includes all the 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.

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

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

In addition, the non-facing channel preferably comprises at least one of Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking and the like.

According to the implementation method of the present invention, the profitability calculation system of the non-face-to-face personal channel calculates the profitability by the individual customer's account product or non-account product or the profitability of the individual customer's new account or new non-account product subscription At least one financial transaction (eg, credit, reception, currency exchange, etc.) through a personal customer group profitability calculation server 405, 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 a financial system 450 for providing foreign exchange remittance, financial investment, etc.) services.

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 405 includes customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, non-face-to-face channel information processing the subscription account or subscription cost account, and new subscription account information. Alternatively, a method of extracting new subscription non-account information from the financial system 450 and confirming the profitability of the individual customer for each non-face-to-face channel based on the non-face-to-face channel information is preferable, and has a general knowledge in the field to which the present invention belongs. If so, referring to FIG. 5, various methods for calculating personal customer profitability, such as the cost of the non-face-to-face channel used by the individual customer (eg, the cost of maintaining the non-face-to-face channel), may be added to the method of confirming the profitability of the individual customer. However, in FIG. 5, the factor for the cost of the non-facing channel is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the non-facing channel preferably means a cost for the non-facing channel for selling a product including at least one account product or non-account product to the customer.

It is preferable that the above cost means other material costs, eastern garden maintenance costs, defrosting expenses, pottery and the like.

The individual customer group profitability calculation server 405 has a D / B for storing the profit calculation result of the individual customer or a separate D / B server and a communication network having a D / B for storing the profit calculation result of the individual customer. It is linked through.

Referring to FIG. 5, the personal customer group profitability calculation server 405 receives the information from the ledger D / B 550 in association with the external system of the financial system 450 (or the information). Receiving means), an information extracting unit 505 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 550, and profitability information among the information extracted from the ledger D / B 550. Confirming information confirmation unit 510 (or information confirmation means), profitability calculation unit 515 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B An information storage unit 520 (or information storage means) is provided.

Here, the ledger D / B 550 is a D / B provided in the financial system 450. The ledger D / B 550 includes customer information, account information, and non-account information necessary for calculating profitability for individual customers. Preferably, non-facing channel information is included.

According to the exemplary embodiment of the present invention, the information receiving unit 500 may include the customer information, the account information subscribed to the customer, the non-account processing channel information, or the non-account information and non-account processing non-facing channel information subscribed to by the customer. Information including new subscription account information and new subscription account processing non-facing channel information for the account newly registered by the customer or at least one new subscription ratio account information and new subscription non-account processing non-facing channel information newly registered by the customer. It receives the ledger information from the ledger D / B (550) in association with the external system of the financial system 450 and provides the information to the information extraction unit 505.

Here, the ledger information includes customer information, account information, non-account information, and non-facing channel information requested by the financial system 450 from the individual customer group profitability calculation server 405 to calculate profitability for the individual customer. It is preferable.

According to the embodiment of the present invention, the information extraction unit 505 is the customer information received from the information receiving unit 500, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account Extract the information about the individual customer from the non-face-to-face channel information processed to provide to the information verification unit 510, or the new subscription account associated with the customer information, the customer information received by the information receiving unit 500 The information about the individual customer is extracted from the information or the new subscription ratio account information, the non-facing channel information managing the new subscription account or the new subscription ratio account, and provided to the information verification unit 510.

According to the exemplary embodiment of the present invention, the information checking unit 510 may include the customer information extracted from the information extracting unit 505, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Subscription account profitability information or non-account profitability information from the information on the individual customer of the non-face-to-face channel information processed, or the customer information extracted from the information extraction unit 505, new subscription account information associated with the customer information or new Checking the new subscription account profitability information or the new subscription ratio account profitability information from the information on the individual customer among the subscription ratio account information, the non-face-to-face channel information managing the new subscription account or the new subscription account, the information storage unit 520 and the The profitability calculation unit 515 is provided.

The profitability calculation unit 515 may include subscription account profitability information for the individual customer or subscription ratio account profitability information for the individual customer or new subscription account profitability information for the individual customer or the individual customer provided by the information checking unit 510. Profitability is calculated by linking profitability information for a plurality of individual customers including at least one new subscription non-accounting profitability information, and provides the calculated profitability information for the individual customer to the information storage unit 520. .

According to the implementation method of the present invention, the profitability calculation unit 515 profits such as interest income or loan interest income for loan accounts for borrowing deposits for savings accounts or savings accounts from subscription account information for individual customers and receiving interest. It is desirable to calculate the information.

In this case, the subscription account profitability information for the individual customer may include at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

In addition, the profitability calculation unit 515 may include a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an additional service in a subscription fee account information for an individual customer. It is desirable to calculate profitability information such as Korean handling fees.

In this case, the subscription non-account profitability information for the individual customer may include at least one of a handling fee according to 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.

In addition, the new subscription account profitability information for the individual customer is the potential interest profitability and new loans for the potential interest profitability or new loan loans that can be borrowed and receive interest on the newly added savings account or newly subscribed savings account It is desirable to calculate profitability information, such as loan handling fees.

In this case, the new subscription account profitability information for the individual customer is a potential interest profitability or a new loan for the new loan savings account or a new loan savings account and the potential interest profitability or loan for the new loan. It is preferable to include at least one or more loan handling fees for.

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

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

According to the implementation method of the present invention, the information storage unit 520 stores the profitability information provided by the profitability calculation unit 515 in the D / B provided in the personal customer group profit calculation server 405, or calculate the profitability It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 515 through a communication network.

According to the implementation method of the present invention, the financial system 450 is linked to the individual customer group profitability calculation server 405, the ledger information in connection with the ledger D / B 550 in the financial system 450, the individual customer It provides a function for providing to the group profitability calculation server 405, and detailed description of the internal configuration has been described with reference to Figure 4, it will be omitted.

In addition, the ledger information for the ledger D / B 550 of the financial system 450 has more information than the information shown in the ledger D / B 550 of the financial system 450 shown in FIG. Only information for calculating customer profitability is shown.

6 is a subscription account profitability information for individual customers, profitability information for individual customers, non-subscription account profitability information, new subscription account profitability information for individual customers according to the implementation method of the present invention The operation flow of the system for calculating individual customer profitability, which includes at least one new subscription cost account profitability information for the customer, is illustrated.

In more detail, Figure 6 shows the ledger information from the ledger D / B 550 of the financial system 450 shown in Figure 4 and the five kinds of individual customers through the individual customer profitability calculation server shown in Figure 5 Individual customer group by checking profitability information on conditions (subscription account profitability information for individual customers, subscription account profitability information for individual customers, new subscription account profitability information for individual customers, and new subscription cost account profitability information for individual customers) Regarding the process of storing and registering in the storage medium 530 of the profitability calculation server 405, a person having ordinary knowledge in the field to which the present invention belongs, the system for calculating the profitability of an individual customer with reference to FIG. Although various embodiments of the present invention may be inferred, the present invention is not limited to the present invention 6 and includes all the inferred embodiments.

Hereinafter, in FIG. 6, the personal customer group profitability calculation server 405 shown in FIG. 5 is referred to as a “server” for convenience.

Referring to FIG. 6A, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the ledger D / B 550 of the financial system 450 to calculate the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 550 to the server (600a).

Here, the ledger information refers to customer information stored and registered in the ledger D / B 550 of the financial system 450, subscription account information associated with the customer information, and non-face-to-face channel information processing the subscription account. It is desirable to.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the subscription account information from the ledger information and extracts the information on the individual customer from the subscription account information (605a).

If information about groups other than the individual customer is extracted from the subscription account information, processes are performed with reference to the drawings shown below according to each group, and in FIG. 6a, only the portion of the individual customer is processed (610a).

Thereafter, the server checks the profitability information of the subscription account corresponding to the individual customer (615a), and stores and registers the checked profitability information in the server storage medium 530 (620a).

In this case, the subscription account profitability information for the individual customer may include at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

Referring to FIG. 6B, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 550 for the profitability calculation to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 550 to the server (600b).

Here, the ledger information is stored in the ledger D / B (550) of the financial system 450, registered customer information, subscription cost account information associated with the customer information, non-face-to-face channel information processing the subscription cost account It is preferable to mean.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

Upon receiving the ledger information from the financial system 450 as described above, the server extracts the subscription ratio account information from the ledger information and extracts the information on the individual customer from the subscription ratio account information (605b).

When extracting information about groups other than the individual customer from the subscription account information, processes are performed with reference to the drawings shown below according to each group, and in FIG. 6b, only the portion of the individual customer is processed (610b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the individual customer (615b), and stores and registers the checked profitability information on the server storage medium 530 (620b).

In this case, the subscription non-account profitability information for the individual customer may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for derivatives, a handling fee for securities, or a handling fee for ancillary services. desirable.

Referring to FIG. 6C, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 550 for the profitability calculation to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 550 to the server (600c).

Here, the ledger information is stored in the ledger D / B 550 of the financial system 450, registered customer information, new subscription account information associated with the customer information, non-face-to-face channel information processing the new subscription account It is preferable to mean.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

Upon receiving the ledger information from the financial system 450 as described above, the server extracts the new subscription account information from the ledger information and extracts the information on the individual customer from the new subscription account information (605c).

If information about groups other than the individual customer is extracted from the subscription account information, processes are performed with reference to the drawings shown below according to each group, and in FIG. 6c, only the portion of the individual customer is processed (610c).

Thereafter, the server checks the new subscription account profitability information corresponding to the individual customer (615c), and stores and registers the checked profitability information in the server storage medium 530 (620c).

Here, the profitability information of the new subscription account for the individual customer is related to the potential interest profitability or the new interest loan on the new loan or savings account or the new interest saving account. It is preferable to include at least one or more loan handling fees.

Referring to FIG. 6D, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 550 for the profitability calculation to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 550 to the server (600d).

Here, the ledger information is stored in the ledger D / B 550 of the financial system 450, registered customer information, new subscription cost information associated with the customer information, non-face-to-face channel information processing the new subscription cost account It is preferable to mean.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the new subscription fee account information from the ledger information and extracts the information on the individual customer from the new subscription fee account information (605d).

When extracting information about groups other than the individual customer from the subscription account information, processes are performed with reference to the drawings shown below according to each group, and in FIG. 6d, only the portion of the individual customer is processed (610d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the individual customer (615d), and stores and registers the checked profitability information on the server storage medium 530 (620d).

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

7 illustrates a system configuration for calculating the profitability of a PB customer non-facing channel according to the embodiment of the present invention.

In more detail, Figure 7 shows customer information (eg, social security number, etc.), one or more subscription account information (eg, savings account, savings account, etc.) or subscription cost account information (eg, foreign exchange products (eg, Yusan's) to calculate profitability of PB customers. Non-face-to-face channel information (e.g., import / export transaction products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), subscription accounts or subscription accounts , Internet banking, mobile banking, call center, automated devices, firm banking, phone banking), non-face-to-face channel information, new subscription account information or new subscription account information, new subscription account information or new subscription account information processing the transaction history As the internal configuration of the system for extracting non-face-to-face channel information, and extracting information on PB customers from the extracted information to calculate profitability for each non-face-to-face channel for PB customers, Persons having ordinary knowledge in the field belonging to the present invention will be able to infer various implementation methods of the system for calculating the profitability of PB customers with reference to this drawing 7, but the present invention is not limited to this drawing and the inference Includes all 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

In addition, the non-facing channel preferably comprises at least one of Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking and the like.

According to an embodiment of the present invention, the profitability calculation system of the non-face-to-face PB customer channel calculates profitability based on PB customer's account product or non-account product, or PB customer's new account product or new non-account product subscription. PB customer group profitability calculation server 410, at least one or more financial transactions (e.g., credit, receiving, currency exchange, foreign exchange) through at least one face-to-face or non-face-to-face financial transaction channel provided in the branch (or branch) of the financial institution Remittance, financial investment, etc.) is provided with a financial system 450 for providing a service.

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

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

The PB customer group profitability calculation server 410 may include customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, non-facing channel information for processing the subscription account or subscription cost account, and new subscription account information. Alternatively, a method of extracting new subscription non-account information from the financial system 450 and confirming the profitability of PB customers for each non-face-to-face channel based on the non-face-to-face channel information is preferable, and has a general knowledge in the field of the present invention. If the PB customer's profitability, such as the cost of the non-face-to-face channel (eg, non-face-to-face channel maintenance cost) used by the PB customer, can be added to the method of confirming the profitability of the PB customer, referring to FIG. However, in FIG. 7, the factor of the cost of the non-facing channel is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the non-facing channel preferably means a cost for the non-facing channel for selling a product including at least one account product or non-account product to the customer.

* The above cost is preferably to mean the cost of other goods, maintenance costs, depreciation expenses, pottery and others.

The PB customer group profitability calculation server 410 has a D / B for storing the profitability calculation results of the PB customers or a separate D / B server and communication network having a D / B for saving the profitability calculation results for the PB customers. It is linked through.

Referring to FIG. 7, the PB customer group profitability calculation server 410 receives an information receiver 700 (or information) for receiving information from the ledger D / B 750 in association with the external system of the financial system 450. Receiving means), an information extracting unit 705 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 750, and profitability information among the information extracted from the ledger D / B 750; Confirming information confirmation unit 710 (or information confirmation means), profitability calculation unit 715 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B It is characterized by comprising an information storage unit 720 (or information storage means).

Here, the ledger D / B 750 is a D / B provided in the financial system 450, and the ledger D / B 750 includes customer information, account information, and non-account information necessary for calculating profitability for PB customers. Preferably, non-facing channel information is included.

According to the exemplary embodiment of the present invention, the information receiving unit 700 includes the customer information, the account information subscribed to the customer and the account processing non-facing channel information, or the non-account information and non-account processing non-facing channel information subscribed to by the customer or Information including new subscription account information and new subscription account processing non-facing channel information for the account newly registered by the customer or at least one new subscription ratio account information and new subscription non-account processing non-facing channel information newly registered by the customer. It receives the ledger information from the ledger D / B 750 in association with the external system of the financial system 450 and provides the information to the information extraction unit 705.

Here, the ledger information includes customer information, account information, non-account information, and processing non-facing channel information requested from the PB customer group profitability calculation server 410 to the financial system 450 in order to calculate profitability for the PB customer. It is preferable.

According to the method of the present invention, the information extraction unit 705 is the customer information received from the information receiving unit 700, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account Extract the information on the PB customer from the non-face-to-face channel information processed to provide to the information verification unit 710, or the new subscription account associated with the customer information, the customer information received from the information receiving unit 700 Information about the PB customer is extracted from the information or the new subscription ratio account information, the non-facing channel information managing the new subscription account or the new subscription ratio account, and provided to the information verification unit 710.

According to the exemplary embodiment of the present invention, the information checking unit 710 may include the customer information extracted from the information extracting unit 705, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Among the non-face-to-face channel information processed, the subscription account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 705, new subscription account information associated with the customer information or new Checking the new subscription account profitability information or the new subscription non-account profitability information from the information on the PB customer among the subscription ratio account information, the non-face-to-face channel information managing the new subscription account or the new subscription account, the information storage unit 720 and the The profitability calculation unit 715 is provided.

The profitability calculation unit 715 may include subscription account profitability information for the PB customer or subscription ratio account profitability information for the PB customer or new subscription account profitability information for the PB customer or PB customer provided by the information checking unit 710. Profitability is calculated in connection with profitability information for various PB customers including at least one new subscription non-account profitability information. The calculated profitability information for the PB customer is provided to the information storage unit 720.

According to the implementation method of the present invention, the profitability calculation unit 715 is a profitability such as interest income or loan interest income for the loan account for borrowing the deposit for the savings account or savings account from the subscription account information for the PB customer It is desirable to calculate the information.

In this case, the subscription account profitability information for the PB customer preferably includes at least one of the unpaid deposit fee, the interest interest on the loan for the loan account, and the like.

In addition, the profitability calculation unit 715 may include a handling fee for a foreign exchange commodity transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an additional service in a subscription fee account information for a PB customer. It is desirable to calculate profitability information such as Korean handling fees.

Herein, the profitability information of the subscription fee for the PB customer includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services. desirable.

In addition, the profitability information of the new subscription account for the PB customer may include the potential interest profitability and the new interest loan for the new loan or savings account or the potential interest profitability to borrow interest on the newly subscribed savings account. It is desirable to calculate profitability information, such as loan handling fees.

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

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

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

According to the method of the present invention, the information storage unit 720 stores the profitability information provided by the profitability calculation unit 715 in the D / B provided in the PB customer group profit calculation server 410, or calculates the profitability It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 715 through a communication network.

According to the implementation method of the present invention, the financial system 450 in connection with the ledger D / B 750 in the financial system 450 in connection with the PB customer group profitability calculation server 410, the PB customer It provides a function for providing to the group profitability calculation server 410, and detailed description of the internal configuration has been described with reference to Figure 4, it will be omitted.

Further, the ledger information for the ledger D / B 750 of the financial system 450 has more information than the information shown in the ledger D / B 750 of the financial system 450 shown in FIG. Only information for calculating customer profitability is shown.

Figure 8 shows the profitability information of subscription accounts for PB customers, profitability information for subscription accounts for PB customers, profitability information for new subscription accounts for PB customers, and PB customers according to the method of the present invention. The operation flow of the system for calculating PB customer profitability, which includes at least one new subscription cost account profit information, is shown.

In more detail, Figure 8 shows the ledger information from the ledger D / B 750 of the financial system 450 shown in Figure 4 and the five kinds of PB customers through the PB customer profitability calculation server shown in Figure 7 PB customer group by checking profitability information on the conditions (subscription account profitability information for PB customers, subscription profit account profitability information for PB customers, new subscription account profitability information for PB customers, and new subscription non-account profitability information for PB customers) Regarding the process of storing and registering in the D / B of the profitability calculation server 410, and having a general knowledge in the field to which the present invention pertains, various systems for calculating profitability of PB customers with reference to FIG. Although the implementation method may be inferred, the present invention is not limited to this figure 8, but includes all the implementation methods inferred.

Hereinafter, in FIG. 8, the PB customer group profitability calculation server 410 illustrated in FIG. 7 is referred to as a “server” for convenience.

Referring to FIG. 8A, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 750 to calculate the profitability to the server. In response, the financial system 450 provides the ledger information of the ledger D / B 750 to the server (800a).

Here, the ledger information means customer information stored and registered in the ledger D / B 750 of the financial system 450, subscription account information associated with customer information, and non-face-to-face channel information processing the subscription account. It is desirable to.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the subscription account information from the ledger information and extracts information about the PB customer from the subscription account information (805a).

If information about groups other than the PB customer is extracted from the subscription account information, processing is performed with reference to the drawings shown below according to each group, and in FIG. 8A, only a portion of the PB customer is processed (810a).

Afterwards, the server checks the profitability information of the subscription account corresponding to the PB customer (815a), and stores and registers the checked profitability information in the server storage medium 730 (820a).

In this case, the subscription account profitability information for the PB customer preferably includes at least one of the unpaid deposit fee, the interest interest on the loan for the loan account, and the like.

Referring to FIG. 8B, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 750 to calculate the profitability to the server. In response, the financial system 450 provides the ledger information of the ledger D / B 750 to the server (800b).

Here, the ledger information means customer information stored and registered in the ledger D / B 750 of the financial system 450, subscription fee account information associated with the customer information, and non-face-to-face channel information that processed the subscription fee account. It is desirable to.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the subscription ratio account information from the ledger information and extracts information about the PB customer from the subscription ratio account information (805b).

If information about groups other than the PB customer is extracted from the subscription account information, processing is performed with reference to the drawings shown below according to each group, and in FIG. 8B, only the portion of the PB customer is processed (810b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the PB customer (815b), and stores and registers the checked profitability information in the server storage medium 730 (820b).

Herein, the profitability information of the subscription fee for the PB customer includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services. desirable.

Referring to FIG. 8C, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 750 to calculate the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 750 to the server (800c).

Here, the ledger information is stored in the ledger D / B 750 of the financial system 450, registered customer information, new subscription account information associated with the customer information, non-face-to-face channel information processing the new subscription account It is preferable to mean.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the new subscription account information from the ledger information and extracts information about the PB customer from the new subscription account information (805c).

If information about groups other than the PB customer is extracted from the subscription account information, processing is performed by referring to the drawings shown below according to each group, and in FIG. .

Thereafter, the server checks the new subscription account profitability information corresponding to the PB customer (815c), and stores and registers the checked profitability information in the server storage medium 730 (820c).

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

Referring to FIG. 8D, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 750 to calculate the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 750 to the server (800d).

Here, the ledger information is stored in the ledger D / B (750) of the financial system 450, registered customer information, new subscription cost information associated with the customer information, non-facing channel information processing the new subscription cost account It is preferable to mean.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the new subscription fee account information from the ledger information, and extracts information about the PB customer from the new subscription fee account information (805d).

If information about groups other than the PB customer is extracted from the subscription account information, processing is performed by referring to the drawings shown below according to each group, and in FIG. 8D, only the portion of the PB customer is processed (810d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the PB customer (815d), and stores and registers the confirmed profitability information in the server storage medium 730 (820d).

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

9 shows a system configuration for calculating the profitability of the non-facing channel for the special customer according to the embodiment of the present invention.

In more detail, Figure 9 shows customer information (eg, social security number, etc.), one or more subscription account information (eg, savings account, savings account, etc.) or subscription cost account information (eg, foreign exchange products (Lux. Non-face-to-face channel information (e.g., import / export transaction products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), subscription accounts or subscription accounts , Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking), non-face-to-face channel information, new subscription account information or new subscription account information, new subscription account information or new subscription account information processing the transaction history The internal configuration of the system for extracting non-face-to-face channel information, and extracting information on special customers from the extracted information to calculate profitability for each non-face-to-face channel for special customers is shown. For those of ordinary skill in the art to which the present invention pertains, various embodiments of the system for calculating profitability of a special customer may be inferred with reference to this drawing, but the present invention is not limited to this drawing. But includes all the 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.

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

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

In addition, the non-facing channel preferably comprises at least one of Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking and the like.

According to the implementation method of the present invention, the profitability calculation system of the non-facing channel of the special customer calculates the profitability of the special customer's account product or non-account product or the profitability of the special customer's new account or new non-account product subscription. Special customer group profitability calculation server 415, at least one or more financial transactions (e.g., credit, receiving, currency exchange, foreign exchange) through at least one face-to-face or non-face-to-face financial transaction channel provided in the branch (or branch) of the financial institution Remittance, financial investment, etc.) is provided with a financial system 450 for providing a service.

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

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

The special customer group profitability calculation server 415 may include customer information, one or more subscription account information or one or more subscription ratio account information associated with the customer information, non-face-to-face channel information processing the subscription account or subscription ratio account, and a new subscription account. Extracting the information or the new subscription ratio account information from the financial system 450, a method for checking the profitability of the special customer for each non-face-to-face channel according to the non-face-to-channel information is preferable, having a general knowledge in the field of the present invention Growing up, various information for calculating the profitability of special customers, such as the cost of non-face-to-face channels (eg, non-face-to-face channel maintenance costs) used by the special customer, are added to the method of confirming the profitability of the special customer. However, in FIG. 9, the factor for the cost of the non-facing channel is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the non-facing channel preferably means a cost for the non-facing channel for selling a product including at least one account product or non-account product to the customer.

* The above cost is preferably to mean the cost of other goods, maintenance costs, depreciation expenses, pottery and others.

The special customer group profitability calculation server 415 has a D / B for storing the profit calculation result of the special customer or a separate D / B server and communication network having a D / B for saving the profit result of the special customer. It is linked through.

Referring to FIG. 9, the special customer group profitability calculation server 415 receives an information receiver 900 (or information) for receiving information from the ledger D / B 950 in association with the external system of the financial system 450. Receiving means), an information extracting unit 905 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 950, and profitability information among information extracted from the ledger D / B 950. Confirming information confirmation unit 910 (or information confirmation means), profitability calculation unit 915 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B An information storage unit 920 (or information storage means) is provided.

Here, the ledger D / B 950 is a D / B provided in the financial system 450, and the ledger D / B 950 includes customer information, account information, and non-account information necessary for calculating profitability for a special customer. Preferably, non-facing channel information is included.

According to the exemplary embodiment of the present invention, the information receiving unit 900 may include the customer information, the account information subscribed to the customer, the non-facing channel information for account processing, or the non-account information and non-account processing non-facing channel information subscribed to by the customer; Information including new subscription account information and new subscription account processing non-facing channel information for the account newly registered by the customer or at least one new subscription ratio account information and new subscription non-account processing non-facing channel information newly registered by the customer. It receives the ledger information from the ledger D / B (950) in conjunction with the external system of the financial system 450 and provides it to the information extraction unit 905.

Here, the ledger information includes customer information, account information, non-account information, and non-facing channel information requested from the special customer group profitability calculation server 415 to the financial system 450 to calculate profitability for the special customer. It is preferable.

According to an embodiment of the present invention, the information extraction unit 905 is the customer information received from the information receiving unit 900, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account Extract the information about the special customer from the non-face-to-face channel information processed to provide to the information verification unit 910, or the new subscription account associated with the customer information, the customer information received by the information receiving unit 900 Information about the special customer is extracted from the information or the new subscription ratio account information, the non-facing channel information managing the new subscription account or the new subscription ratio account is provided to the information verification unit 910.

According to an embodiment of the present invention, the information checking unit 910 is the customer information extracted from the information extraction unit 905, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account Among the non-face-to-face channel information processed, the subscription account profitability information or the non-account profitability information, or the customer information extracted by the information extraction unit 905, new subscription account information associated with the customer information or new Checking the new subscription account profitability information or the new subscription non-account profitability information in the subscription ratio account information, non-face-to-face channel information for managing the new subscription account or new subscription ratio account, the information storage unit 920 and the The profitability calculation unit 915 is provided.

The profitability calculation unit 915 is a subscription account profitability information for the special customer provided by the information verification unit 910 or a subscription fee account profitability information for the special customer or a new subscription account profitability information for the special customer or for the special customer Profitability is calculated by linking profitability information for various special customers including at least one new subscription non-account profitability information, and provides the calculated profitability information for the special customer to the information storage unit 920.

According to the implementation method of the present invention, the profitability calculation unit 915 borrows the deposit for the savings account or savings account from the subscription account information for the special customer and receives profits such as interest income or loan interest income for the loan account. It is desirable to calculate the information.

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

In addition, the profitability calculation unit 915 may include a handling fee for a foreign exchange commodity transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an additional service in a subscription fee account information for a special customer. It is desirable to calculate profitability information such as Korean handling fees.

The profitability information of the subscription fee for the special customer may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a security, or a handling fee for ancillary services. desirable.

In addition, the new subscription account profitability information for the special customer is the potential interest profitability and new loans for the potential interest profitability or new loan loans that can be borrowed and receive interest on the newly registered savings account or newly registered savings account It is desirable to calculate profitability information, such as loan handling fees.

Here, the profitability information of the new subscription account for the special customer is a potential interest profitability or a new interest loan for a new loan or savings account or a new interest saving account, and a potential interest profitability or loan for a new loan. It is desirable to include at least one loan handling fee.

In addition, the profitability information of the new subscription fee for the special customer may include a handling fee according to a new foreign exchange transaction, a handling fee for joining a new derivative, a potential operation fee for joining a new derivative, or a handling fee for a new securities transaction. It is desirable to calculate profitability information.

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

According to an embodiment of the present invention, the information storage unit 920 stores profitability information provided by the profitability calculation unit 915 in a D / B provided in the special customer group profitability calculation server 415 or calculates the profitability. It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 915 through a communication network.

According to the implementation method of the present invention, the financial system 450 is linked to the special customer group profitability calculation server 415 in connection with the ledger D / B (950) in the financial system 450 special customer information It provides a function for providing to the group profit calculation server 415, and detailed description of the internal configuration has been described with reference to Figure 4, it is omitted.

In addition, the ledger information of the ledger D / B 950 of the financial system 450 has more information than the information shown in the ledger D / B 950 of the financial system 450 shown in Figure 9, Only information for calculating customer profitability is shown.

Figure 10 is a subscription account profitability information for special customers, profitability information for special customers, non-account subscription profitability information, new subscription account profitability information for special customers, special customers according to the implementation method of the present invention It shows the operation flow of the system for calculating the profitability of special customers made by including at least one profitability information of the new subscription fee account.

In more detail, Figure 10 shows the ledger information from the ledger D / B 950 of the financial system 450 shown in Figure 4 and the five kinds of special customers through the special customer profitability calculation server shown in Figure 9 Special customer group by checking profitability information on the conditions (subscription account profitability information for special customers, subscription cost account profitability information for special customers, new subscription account profitability information for special customers, and new subscription cost account profitability information for special customers) Regarding the process of storing and registering in the D / B of the profitability calculation server 415, those having ordinary knowledge in the field to which the present invention pertains will be described. Although the method of inferring may be inferred, the present invention is not limited to this drawing 10, and includes all the inferred method of practicing.

Hereinafter, in FIG. 10, the special customer group profitability calculation server 415 shown in FIG. 9 is referred to as a “server” for convenience.

Referring to FIG. 10A, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 950 for calculating the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 950 to the server (1000a).

Here, the ledger information means customer information stored and registered in the ledger D / B 950 of the financial system 450, subscription account information associated with customer information, and non-face-to-face channel information processing the subscription account. It is desirable to.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

Upon receiving the ledger information from the financial system 450 as described above, the server extracts the subscription account information from the ledger information and extracts the information on the special customer from the subscription account information (1005a).

If information about groups other than the special customer is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 10a, only the part of the special customer is processed (1010a).

Thereafter, the server checks the profitability information of the subscription account corresponding to the special customer (1015a), and stores and registers the checked profitability information in the server storage medium 930 (1020a).

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

Referring to FIG. 10B, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 950 for calculating the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 950 to the server (1000b).

Here, the ledger information means customer information stored and registered in the ledger D / B 950 of the financial system 450, subscription cost account information associated with the customer information, and non-face-to-face channel information that processed the subscription cost account. It is desirable to.

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

In addition, the foreign exchange product is preferably meant for import and export trading products 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the subscription ratio account information from the ledger information and extracts the information on the special customer from the subscription ratio account information (1005b).

If information about groups other than the special customer is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 10b, only the part of the special customer is processed (1010b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the special customer (1015b), and stores and registers the checked profitability information in the server storage medium 930 (1020b).

The profitability information of the subscription fee for the special customer may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a security, or a handling fee for ancillary services. desirable.

Referring to FIG. 10c, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 950 for calculating the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 950 to the server (1000c).

Here, the ledger information is stored in the ledger D / B (950) of the financial system 450, registered customer information, new subscription account information associated with the customer information, non-face-to-face channel information processing the new subscription account It is preferable to mean.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the new subscription account information from the ledger information and extracts the information on the special customer from the new subscription account information (1005c).

If information on groups other than the special customer is extracted from the subscription account information, the respective processes are referenced with reference to the drawings shown below, and in FIG. 10c, only the part of the special customer is processed (1010c).

Thereafter, the server checks the new subscription account profitability information corresponding to the special customer (1015c), and stores and registers the checked profitability information in the server storage medium 930 (1020c).

The profitability information of the new subscription account for the special customer may be applied to the potential interest profitability or the new interest loan on the new loan or savings account or the new interest saving account. It is preferable to include at least one or more loan handling fees.

Referring to FIG. 10D, the server connects to the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 950 to calculate the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 950 to the server (1000d).

Here, the ledger information is stored in the ledger D / B (950) of the financial system 450, registered customer information, new subscription cost information associated with the customer information, non-face-to-face channel information processing the new subscription cost account It is preferable to mean.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the new subscription fee account information from the ledger information, and extracts the information on the special customer from the new subscription fee account information (1005d).

If information on groups other than the special customer is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 10d, only the part of the special customer is processed (1010d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the special customer (1015d), and stores and registers the checked profitability information in the server storage medium 930 (1020d).

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

11 illustrates a system configuration for calculating the profitability of a non-facing channel for a corporate customer according to an embodiment of the present invention.

In more detail, Figure 11 shows customer information (eg, social security number, etc.), one or more subscription account information (eg, savings account, savings account, etc.) or subscription cost account information (eg, foreign exchange products (eg, heritage) for calculating profitability of corporate customers. Non-face-to-face channel information (e.g., import / export transaction products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), subscription accounts or subscription accounts , Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking), non-face-to-face channel information, new subscription account information or new subscription account information, new subscription account information or new subscription account information processing the transaction history Figure 1 shows the internal configuration of a system for extracting non-face-to-face channel information and extracting information on corporate customers from the extracted information to calculate profitability for each non-face-to-face channel for corporate customers. As those skilled in the art to which the present invention pertains, various embodiments of the system for calculating profitability of corporate customers may be inferred with reference to FIG. 11, but the present invention is not limited to the present invention. But includes all the 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.

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

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

In addition, the non-facing channel preferably comprises at least one of Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking and the like.

According to the implementation method of the present invention, the profitability calculation system of the non-facing channel of the enterprise customer calculates the profitability by the account product or non-account product of the enterprise customer or the profitability of the new account product or new non-account product subscription of the enterprise customer Corporate customer group profitability calculation server 420, at least one or more financial transactions (e.g., credit, receiving, currency exchange, foreign exchange) through at least one face-to-face or non-face-to-face financial transaction channel provided in the branch (or branch) of the financial institution Remittance, financial investment, etc.) is provided with a financial system 450 for providing a service.

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

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

The corporate customer group profitability calculation server 420 may include customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, non-face-to-face channel information that processes the subscription account or subscription cost account, and new subscription account information. Alternatively, a method of extracting new subscription non-account information from the financial system 450 and confirming the profitability of each non-face-to-face corporate customer based on the non-face-to-face channel information is preferable, and has a general knowledge in the field to which the present invention belongs. In this case, referring to FIG. 11, a variety of information for calculating the profitability of the corporate customer, such as the cost of the non-face-to-face channel used by the corporate customer (for example, the cost of maintaining the non-face-to-face channel) may be added to the method of confirming the profitability of the corporate customer. However, in FIG. 11, the factor of the cost of the non-facing channel is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the non-facing channel preferably means a cost for the non-facing channel for selling a product including at least one account product or non-account product to the customer.

It is preferable that the above cost means other material costs, eastern garden maintenance costs, defrosting expenses, pottery and the like.

The corporate customer group profitability calculation server 420 has a D / B for storing a profit calculation result of a corporate customer, or a separate D / B server and communication network having a D / B for storing profit result of a corporate customer. It is linked through.

Referring to FIG. 11, the corporate customer group profitability calculation server 420 receives the information from the ledger D / B 1150 in association with the external system of the financial system 450 (or the information). Receiving means), an information receiving unit 1105 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 1150, and confirming the profitability information among the information extracted from the ledger D / B 1150 Information checking unit 1110 (or information checking means), profitability calculating unit 1115 (or profitability calculating means) for calculating profitability information from the profitability confirmation information, and information storing the profitability calculation information in the D / B. It is characterized by comprising a storage unit 1120 (or information storage means).

Here, the ledger D / B 1150 is a D / B provided in the financial system 450, and the ledger D / B 1150 includes customer information, account information, and non-account information necessary for calculating profitability for corporate customers. Preferably, non-facing channel information is included.

According to the exemplary embodiment of the present invention, the information receiving unit 1100 may include the customer information, account information subscribed to the customer and non-account processing channel information, or non-account information and non-account processing non-facing channel information subscribed to by the customer. Information including new subscription account information and new subscription account processing non-facing channel information for the account newly registered by the customer or at least one new subscription ratio account information and new subscription non-account processing non-facing channel information newly registered by the customer. Is received in the ledger information from the ledger D / B (1150) in conjunction with the external system of the financial system 450 and provided to the information receiving unit 1105.

Here, the ledger information includes customer information, account information, non-account information, and non-facing channel information requested from the corporate customer group profitability calculation server 420 to the financial system 450 to calculate profitability for the corporate customer. It is preferable.

According to the exemplary embodiment of the present invention, the information receiving unit 1105 may include the customer information received from the information receiving unit 1100, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extract information about the corporate customer from the non-face-to-face channel information processed and provide the information to the information checking unit 1110 or the new subscription account information associated with the customer information and the customer information received by the information receiving unit 1100. Alternatively, information about a corporate customer is extracted from the new subscription ratio account information, the non-facing channel information managing the new subscription account or the new subscription ratio account, and provided to the information verification unit 1110.

According to the exemplary embodiment of the present invention, the information checking unit 1110 may include the customer information extracted from the information receiving unit 1105, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Subscription account profitability information or non-account profitability information from the non-face-to-face channel information processed, or the customer information extracted from the information receiving unit 1105, new subscription account information or new subscription non-account associated with the customer information The information storage unit 1120 and the profitability of the information storage unit 1120 and the profitability of the new subscription account or the non-face-to-channel information managing the new subscription account or the new subscription ratio account from the information about the new subscription account profitability information or the new subscription non-account profitability information Provided to the calculator 1115.

The profitability calculation unit 1115 may include subscription account profitability information for a corporate customer or subscription ratio account profitability information for a corporate customer or new subscription account profitability information for a corporate customer or a corporate customer provided by the information checking unit 1110. Profitability may be calculated by linking profitability information of various corporate customers including at least one new subscription non-account profitability information. The calculated profitability information of the corporate customer may be provided to the information storage unit 1120.

According to the implementation method of the present invention, the profitability calculation unit 1115 borrows the deposit for the savings account or savings account from the subscription account information for the corporate customer and receives profits such as interest income or loan interest income for the loan account. It is desirable to calculate the information.

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

In addition, the profitability calculation unit 1115 may include a handling fee for a foreign exchange commodity transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an additional service in a subscription fee account information for a corporate customer. It is desirable to calculate profitability information such as Korean handling fees.

Herein, the profitability information of the subscription fee for the corporate customer includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services. desirable.

In addition, the profitability information of the new subscription account for the corporate customer is the potential interest profitability and new loans for the potential interest profitability or new loans that can be borrowed and receive interest on the savings account or newly registered savings account It is desirable to calculate profitability information, such as loan handling fees.

Here, the profitability information of the new subscription account for the corporate customer is a potential interest profitability or a new interest loan for a new loan or savings account or a new interest savings account and the potential interest profitability or loan for the new loan. It is preferable to include at least one or more loan handling fees for.

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

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

According to an embodiment of the present invention, the information storage unit 1120 stores the profitability information provided by the profitability calculation unit 1115 in a D / B provided in the corporate customer group profitability calculation server 420 or calculates the profitability. Interworking with a separate D / B server having a D / B for storing the profitability information provided by the unit 1115 through a communication network.

According to the implementation method of the present invention, the financial system 450 is linked with the corporate customer group profitability calculation server 420, the ledger information in association with the ledger D / B (1150) in the financial system 450, corporate customers It provides a function for providing to the group profit calculation server 420, and detailed description of the internal configuration has been described with reference to Figure 4, it will be omitted.

In addition, the ledger information for the ledger D / B 1150 of the financial system 450 has more information than the information shown in the ledger D / B 1150 of the financial system 450 shown in Figure 11, Only information for calculating customer profitability is shown.

Figure 12 is a subscription account profitability information for the enterprise customer, profitability information for the non-facing channel for the corporate customer, profitability information of the new subscription account for the enterprise customer, corporate customer for profitability calculation for each non-face-to-face channel according to the embodiment of the present invention It shows the operation flow of the system for calculating the profitability of a corporate customer made by including at least one new subscription non-account profitability information.

More specifically, Figure 12 shows the ledger information from the ledger D / B (1150) of the financial system 450 shown in Figure 4 and the five kinds of corporate customers through the corporate customer profitability calculation server shown in Figure 11 Corporate customer group by checking profitability information on the conditions (subscription account profitability information for corporate customers, subscription account profitability information for corporate customers, new subscription account profitability information for corporate customers, and new subscription non-account profitability information for corporate customers) Regarding the process of storing and registering in the D / B of the profitability calculation server 420, those having ordinary knowledge in the field to which the present invention pertains will refer to FIG. 12. Although the implementation method may be inferred, the present invention is not limited to this drawing 12 and includes all the implementation methods inferred.

Hereinafter, in FIG. 12, the corporate customer group profitability calculation server 420 illustrated in FIG. 11 is referred to as a “server” for convenience.

Referring to FIG. 12A, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1150 to calculate the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1150 to the server (1200a).

Here, the ledger information means customer information stored and registered in the ledger D / B 1150 of the financial system 450, subscription account information associated with the customer information, and non-face-to-face channel information that processed the subscription account. It is desirable to.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the subscription account information from the ledger information and extracts the information on the corporate customer from the subscription account information (1205a).

If information on groups other than corporate customers is extracted from the subscription account information, the respective processes are referenced with reference to the drawings shown below, and in FIG. 12a, only portions of the corporate customers are processed (1210a).

Thereafter, the server checks the profitability information of the subscription account corresponding to the corporate customer (1215a), and stores and registers the checked profitability information in the server storage medium 1130 (1220a).

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

Referring to FIG. 12B, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1150 to calculate the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1150 to the server (1200b).

Here, the ledger information means customer information stored and registered in the ledger D / B 1150 of the financial system 450, subscription fee account information associated with the customer information, and non-facing channel information that processed the subscription fee account. It is desirable to.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the subscription ratio account information from the ledger information and extracts information about the corporate customer from the subscription ratio account information (1205b).

If information on groups other than corporate customers is extracted from the subscription account information, the respective processes are referenced with reference to the drawings shown below, and in FIG. 12b, only parts of corporate customers are processed (1210b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the corporate customer (1215b), and stores and registers the checked profitability information in the server storage medium 1130 (1220b).

Herein, the profitability information of the subscription fee for the corporate customer includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for derivative products, a handling fee for securities, and a handling fee for ancillary services. It is desirable to lose.

Referring to FIG. 12C, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1150 to calculate the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1150 to the server (1200c).

Here, the ledger information is stored in the ledger D / B (1150) of the financial system 450, registered customer information, new subscription account information associated with the customer information, non-face-to-face channel information processing the new subscription account It is preferable to mean.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts new subscription account information from the ledger information, and extracts information about a corporate customer from the new subscription account information (1205c).

If information about groups other than corporate customers is extracted from the subscription account information, the respective processes are referenced with reference to the drawings shown below, and in FIG. 12c, only parts of corporate customers are processed (1210c).

Thereafter, the server checks the new subscription account profitability information corresponding to the corporate customer (1215c), and stores and registers the checked profitability information in the server storage medium 1130 (1220c).

Here, the profitability information of the new subscription account for the corporate customer is related to the potential interest profitability that can be borrowed and receive interest on the newly registered savings account or the newly registered savings account, or the potential interest profitability on the new loan or the new loan. It is preferable to include at least one or more loan handling fees.

Referring to FIG. 12D, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the ledger D / B 1150 of the financial system 450 to calculate the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1150 to the server (1200d).

Here, the ledger information is stored in the ledger D / B (1150) of the financial system 450, registered customer information, new subscription cost information associated with the customer information, non-face-to-face channel information processing the new subscription cost account It is preferable to mean.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the new subscription fee account information from the ledger information and extracts information about the corporate customer from the new subscription fee account information (1205d).

If information on groups other than corporate customers is extracted from the subscription account information, the respective processes are referenced with reference to the drawings shown below, and in FIG. 12d, only the portion of the corporate customers is processed (1210d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the corporate customer (1215d), and stores and registers the checked profitability information in the server storage medium 1130 (1220d).

Herein, the profitability information of the new subscription fee for the corporate customer includes a handling fee for a new foreign exchange product transaction, a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is preferable to comprise at least one or more.

Figure 13 shows a system configuration for calculating the profitability of non-facing channels by age according to the embodiment of the present invention.

More specifically, Figure 13 shows customer information (e.g. social security number, etc.), one or more subscription account information (e.g., savings account, savings account, etc.) or subscription ratio account information (e.g., foreign exchange products (e.g. Import / export transaction products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), non-face-to-face channel information (e.g. Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking), non-face-to-face channel information, new subscription account information or new subscription account information, new subscription account information or new subscription account information processing the transaction history As the internal configuration of the system for extracting non-facing channel information, and extracting information for each age from the extracted information to calculate profitability for each non-facing channel for each age, Those skilled in the art can infer various implementation methods of the system for calculating profitability by age with reference to FIG. 13, but the present invention is not limited to this FIG. 13. Includes all 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

In addition, the non-facing channel preferably comprises at least one of Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking and the like.

According to the implementation method of the present invention, the profitability calculation system of the non-face-to-face channel by age may be calculated by profitability calculation by age-based account products or non-accounting products or by age to calculate profitability by joining new account products or new non-account products by age. Profit calculation server 425, at least one or more financial transactions (e.g., credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) through at least one face-to-face or non-face-to-face financial transaction channel provided in the branch (or branch) of the financial institution It comprises a financial system 450 for providing a service.

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

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

The age-specific profitability calculation server 425 may include customer information, one or more subscription account information or one or more subscription ratio account information associated with the customer information, non-face-to-face channel information that processes the subscription account or subscription ratio account, new subscription account information, or new account. Extracting the subscription ratio account information from the financial system 450, a method for confirming the profitability of each age according to the non-face-to-channel according to the non-face-to-channel information is preferred, if the person having ordinary knowledge in the field of the present invention, Although a variety of information for calculating profitability by age may be added to a method of confirming profitability by age, for example, a cost for a non-face-to-face channel used by age (eg, a non-face-to-face channel maintenance cost, etc.) with reference to FIG. 13. In Figure 3, the cost factor for non-face-to-face channels is not shown in the profitability calculations.

Here, the information on the required cost of the non-facing channel preferably means a cost for the non-facing channel for selling a product including at least one account product or non-account product to the customer.

It is preferable that the above cost means other material costs, eastern garden maintenance costs, defrosting expenses, pottery and the like.

The age-based profitability calculation server 425 has a D / B for storing the profitability calculation results for each age or is linked with a separate D / B server having a D / B for storing the profitability calculation results for each age through a communication network. .

Referring to FIG. 13, the age-based profitability calculation server 425 is an information receiving unit 1300 (or information receiving means) for receiving information from the ledger D / B 1350 in association with the external system of the financial system 450. ), An information extracting unit 1305 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 1350, and checking profitability information among the information extracted from the ledger D / B 1350. Information confirmation unit 1310 (or information confirmation means), profitability calculation unit 1315 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, information storage for storing the profitability calculation information in the D / B A unit 1320 (or information storage means) is provided.

Here, the ledger D / B 1350 is a D / B provided in the financial system 450. The ledger D / B 1350 includes customer information, account information, non-account information, which are necessary for calculating profitability for each age. It is preferable to include non-facing channel information.

According to the exemplary embodiment of the present invention, the information receiving unit 1300 may include the customer information, account information subscribed to the customer, non-account processing channel information or non-account information subscribed to the customer and non-account processing non-facing channel information, or Information including new subscription account information and new subscription account processing non-facing channel information for the account newly registered by the customer or at least one new subscription ratio account information and new subscription non-account processing non-facing channel information newly registered by the customer. Is provided with ledger information from the ledger D / B 1350 in association with the external system of the financial system 450 and provided to the information extraction unit 1305.

Here, the ledger information preferably includes customer information, account information, non-account information, and non-facing channel information requested by the age-based profitability calculation server 425 to the financial system 450 in order to calculate profitability for each age. .

According to the exemplary embodiment of the present invention, the information extracting unit 1305 may include the customer information received from the information receiving unit 1300, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extracts information about each age from non-face-to-face channel information processed to the information verification unit 1310, or the customer information received from the information receiving unit 1300, new subscription account information associated with the customer information Alternatively, information about an age group is extracted from the new subscription ratio account information, the non-facing channel information managing the new subscription account or the new subscription ratio account, and provided to the information verification unit 1310.

According to the exemplary embodiment of the present invention, the information checking unit 1310 may include the customer information extracted from the information extracting unit 1305, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Subscription account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 1305 from the non-face-to-face information of the non-face-to-face channel information processed, new subscription account information or new subscription fee associated with the customer information The information storage unit 1320 and the profitability of the information storage unit 1320 and the profitability of the account information, the non-face-to-face channel information managing the new subscription account or the new subscription ratio account by identifying the new subscription account profitability information or the new subscription ratio account profitability information Provided to the calculator 1315.

The profitability calculation unit 1315 is a subscription account profitability information for each age provided by the information verification unit 1310 or a subscription fee account profitability information for each age or a new subscription account profitability information for each age or a new subscription ratio account profitability for each age group. Profitability is calculated by linking profitability information for various age groups including at least one information. The calculated profitability information for each age group is provided to the information storage unit 1320.

According to an embodiment of the present invention, the profitability calculation unit 1315 borrows a deposit for a savings account or a savings account from subscription account information for each age and receives profits such as interest income or loan interest income for a loan account. It is preferable to calculate.

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

In addition, the profitability calculation unit 1315 may calculate a handling fee for a foreign exchange commodity transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an incidental service for the subscription fee account information for each age group. It is desirable to calculate profitability information such as handling fees.

Here, it is preferable that the subscription non-account profitability information for each age includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for derivatives, a handling fee for securities, or a handling fee for ancillary services. Do.

In addition, the profitability information of the new subscription account for the age group is related to the potential interest profitability to borrow and deposit interest on the newly registered savings account or the newly registered savings account or the potential interest profitability and new loans for the new loans. It is desirable to calculate profitability information such as Korean loan handling fee.

In this case, the profitability information of the new subscription account for the age group may be applied to the potential interest profitability or the new interest loan for the new loan or savings account or the new interest saving account. It is preferable to include at least one or more loan handling fees.

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

Herein, the new subscription fee account profitability information for each age group includes a handling fee for a new foreign exchange transaction, a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is preferable to comprise at least one or more.

According to the exemplary embodiment of the present invention, the information storage unit 1320 stores the profitability information provided by the profitability calculation unit 1315 in a D / B provided in the age-specific profitability calculation server 425 or the profitability calculation unit ( 1315) is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in (1315).

According to the implementation method of the present invention, the financial system 450 is linked to the age-specific profitability calculation server 425 in accordance with the ledger D / B (1350) in the financial system 450, the age-based profitability calculation server Functions to provide to 425, the detailed description of the internal configuration has been described with reference to Figure 4, it is omitted.

In addition, the ledger information for the ledger D / B 1350 of the financial system 450 has more information than the information shown in the ledger D / B 1350 of the financial system 450 shown in Figure 13, but by age Only information for profitability calculation is shown.

Fig. 14 shows profitability information for age-related subscription accounts, profitability information for age-specific subscription accounts, profitability information for new age-related subscription accounts for age-based non-face-to-face profitability calculations according to the method of the present invention. It shows the operation flow of the system for calculating the profitability by age, including at least one of the profitability information.

More specifically, FIG. 14 shows the ledger information from the ledger D / B 1350 of the financial system 450 shown in FIG. 4, and the age-specific profitability calculation server 425 shown in FIG. Profitability calculation server by age by checking profitability information on 5 conditions (subscription account profitability information by age, subscription fee account profitability information by age, new subscription account profitability information by age, and new subscription cost account profitability information by age). Regarding the process of storing and registering in D / B of 425), a person having ordinary knowledge in the field to which the present invention belongs may infer various implementation methods of a system for calculating profitability by age with reference to FIG. As will be appreciated, the invention is not limited to this Figure 14 and includes all such implementation methods inferred.

Hereinafter, in FIG. 14, the age-based profitability calculation server 425 shown in FIG. 13 is referred to as a “server” for convenience.

Referring to FIG. 14A, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1350 to the server to calculate the profitability. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1350 to the server (1400a).

Here, the ledger information means customer information stored and registered in the ledger D / B 1350 of the financial system 450, subscription account information associated with the customer information, and non-face-to-face channel information processing the subscription account. It is desirable to.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the subscription account information from the ledger information, and extracts the information for each age from the subscription account information (1405a).

When extracting information on groups other than ages from the subscription account information, processes are performed by referring to the drawings shown below according to each group, and in FIG. 14a, only portions of ages are processed (1410a).

Thereafter, the server checks the profitability information of the subscription account corresponding to the age (1415a), and stores and registers the checked profitability information in the server storage medium 1330 (1420a).

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

Referring to FIG. 14B, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1350 to the server to calculate the profitability. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1350 to the server (1400b).

Here, the ledger information means customer information stored and registered in the ledger D / B 1350 of the financial system 450, subscription cost account information associated with the customer information, and non-face-to-face channel information that processed the subscription cost account. It is desirable to.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the subscription ratio account information from the ledger information, and extracts the information for each age from the subscription ratio account information (1405b).

When extracting information on groups other than ages from the subscription account information, processes are performed with reference to the drawings shown below according to each group, and in FIG. 14b, only portions for ages are processed (1410b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to each age (1415b), and stores and registers the checked profitability information in the server storage medium 1330 (1420b).

Here, it is preferable that the subscription non-account profitability information for each age includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for derivatives, a handling fee for securities, or a handling fee for ancillary services. Do.

Referring to FIG. 14c, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1350 to the server to calculate the profitability. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1350 to the server (1400c).

Here, the ledger information is stored in the ledger D / B 1350 of the financial system 450, registered customer information, new subscription account information associated with the customer information, non-face-to-face channel information processing the new subscription account It is preferable to mean.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the new subscription account information from the ledger information, and extracts the information for each age from the new subscription account information (1405c).

When extracting information on groups other than ages from the subscription account information, processes are performed with reference to the drawings shown below according to each group, and in FIG. 14c, only parts for ages are processed (1410c).

Thereafter, the server checks the new subscription account profitability information corresponding to each age (1415c), and stores and registers the checked profitability information in the server storage medium 1330 (1420c).

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

Referring to FIG. 14D, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1350 to the server to calculate the profitability. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1350 to the server (1400d).

Here, the ledger information is stored in the ledger D / B 1350 of the financial system 450, registered customer information, new subscription cost information associated with the customer information, non-face-to-face channel information processing the new subscription cost account It is preferable to mean.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the new subscription fee account information from the ledger information, and extracts the information for each age from the new subscription fee account information (1405d).

When extracting information on groups other than ages from the subscription account information, processes are performed with reference to the drawings shown below according to each group, and in FIG. 14d, only portions for ages are processed (1410d).

Thereafter, the server checks profitability information of the new subscription fee account corresponding to each age (1415d), and stores and registers the checked profitability information on the server storage medium 1330 (1420d).

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

15 shows a system configuration for calculating the profitability of a non-facing channel for each region according to an embodiment of the present invention.

More specifically, Figure 15 shows customer information (e.g. social security number, etc.), one or more subscription account information (e.g., savings account, savings account, etc.) or subscription cost account information (e.g. Import / export transaction products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), non-face-to-face channel information (e.g. Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking), non-face-to-face channel information, new subscription account information or new subscription account information, new subscription account information or new subscription account information processing the transaction history As the internal configuration of the system for extracting non-facing channel information, and extracting information for each region from the extracted information to calculate profitability for each non-facing channel for each region, Those skilled in the art can infer various implementation methods of the system for calculating profitability by region with reference to this figure 15, but the present invention is not limited to this figure 15, the analogy Includes all 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

In addition, the non-facing channel preferably comprises at least one of Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking and the like.

According to the implementation method of the present invention, the profitability calculation system of the non-face-to-face channel for each region is calculated for each region for calculating the profitability by the regional account products or non-accounting products or the new account products or new non-accounting products by region. Profit calculation server 430, at least one or more financial transactions (e.g., credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) through at least one face-to-face or non-face-to-face financial transaction channel provided in the branch (or branch) of the financial institution It comprises a financial system 450 for providing a service.

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

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

The regional profitability calculation server 430 may include customer information, one or more subscription account information or one or more subscription ratio account information associated with the customer information, non-face-to-face channel information, new subscription account information, or new subscription account processing. Extracting the subscription account information from the financial system 450, it is preferable to check the profitability of each region by non-face-to-face channel according to the non-face-to-channel information, if the person having ordinary knowledge in the field of the present invention Although a variety of information for calculating profitability by region may be added to the method of confirming profitability by region with reference to FIG. 15, such as the cost of non-face-to-face channels used by region (eg, non-face-to-face channel maintenance costs). In Figure 3, the cost factor for non-face-to-face channels is not shown in the profitability calculations.

Here, the information on the required cost of the non-facing channel preferably means a cost for the non-facing channel for selling a product including at least one account product or non-account product to the customer.

It is preferable that the above cost means other material costs, eastern garden maintenance costs, defrosting expenses, pottery and the like.

The regional profitability calculation server 430 has a D / B for storing the profitability calculation results for each region, or is linked with a separate D / B server having a D / B for storing the profitability calculation results for each region through a communication network. .

Referring to FIG. 15, the regional profitability calculation server 430 receives an information receiving unit 1500 (or information receiving unit) that receives information from the ledger D / B 1550 in association with the external system of the financial system 450. Means), an information extracting unit 1505 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 1550, and confirming the profitability information among the information extracted from the ledger D / B 1550 Information checking unit 1510 (or information checking means), profitability calculating unit 1515 (or profitability calculating means) for calculating profitability information from the profitability confirmation information, and information storing the profitability calculation information in the D / B. And a storage unit 1520 (or information storage means).

Here, the ledger D / B 1550 is a D / B provided in the financial system 450. The ledger D / B 1550 includes customer information, account information, non-account information, which are necessary for calculating profitability for each region. It is preferable to include non-facing channel information.

According to the exemplary embodiment of the present invention, the information receiving unit 1500 may include the customer information, the account information subscribed to the customer and the account processing non-facing channel information, or the non-account information and non-account processing non-facing channel information subscribed to by the customer. Information including new subscription account information and new subscription account processing non-facing channel information for the account newly registered by the customer or at least one new subscription ratio account information and new subscription non-account processing non-facing channel information newly registered by the customer. Is provided to the information extracting unit 1505 by receiving the ledger information from the ledger D / B 1550 in association with the external system of the financial system 450.

Here, the ledger information may include customer information, account information, non-account information, and non-facing channel information requested by the financial system 450 from the regional profitability calculation server 430 to calculate profitability for each region. .

According to the exemplary embodiment of the present invention, the information extracting unit 1505 may include the customer information received from the information receiving unit 1500, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extracts information about each region of the non-face-to-face channel information processed to provide to the information verification unit 1510, or the new subscription account information associated with the customer information, the customer information received by the information receiving unit 1500 Alternatively, information about a region of the new subscription ratio account information, non-facing channel information managing the new subscription account or the new subscription ratio account is extracted and provided to the information verification unit 1510.

According to the exemplary embodiment of the present invention, the information checking unit 1510 may include the customer information extracted by the information extracting unit 1505, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Subscription account profitability information or non-account profitability information from the non-face-to-face channel information processed by region, or the customer information extracted from the information extraction unit 1505, new subscription account information or new subscription fee associated with the customer information The information storage unit 1520 and the number of the above-described information storage unit 1520 and the number of the account information, the new subscription account or the non-face-to-face channel information managing the new subscription account accounts by identifying the new subscription account profitability information or new subscription non-account profitability information by region; It is provided to the profit calculation unit 1515.

The profitability calculation unit 1515 may provide subscription account profitability information for each region or subscription ratio account profitability information for each region or new subscription account profitability information for each region or new subscription ratio account profitability for each region provided by the information checking unit 1510. Profitability is calculated by linking with profitability information for various regions including at least one information. The calculated profitability information for each region is provided to the information storage unit 1520.

According to an embodiment of the present invention, the profitability calculation unit 1515 borrows a deposit for a savings account or a savings account from subscription account information for each region and receives profits such as interest income or loan interest income for a loan account. It is preferable to calculate.

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

In addition, the profitability calculation unit 1515 may calculate a handling fee for a foreign exchange commodity transaction, a handling fee for a derivative product, a handling fee for a derivative product, a handling fee for a securities, or an incidental service for a securities. It is desirable to calculate profitability information such as handling fees.

Here, it is preferable that the subscription non-account profitability information for each region includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for securities, or a handling fee for ancillary services. Do.

In addition, the profitability information of the new subscription account for each region is based on the potential interest profitability and the new interest loan for the new loan or savings account or new interest saving account. It is desirable to calculate profitability information such as Korean loan handling fee.

In this case, the profitability information of the new subscription account for each region may be applied to the potential interest profitability or the new interest loan for the new loan or savings account or the new interest saving account. It is preferable to include at least one or more loan handling fees.

In addition, the profitability information of the new subscription fee for each region may include a handling fee for a new foreign exchange transaction, a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is desirable to calculate profitability information.

Herein, the new subscription fee account profitability information for each region may include a handling fee for a new FX product transaction, a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is preferable to comprise at least one or more.

According to the method of the present invention, the information storage unit 1520 stores the profitability information provided by the profitability calculation unit 1515 in the D / B provided in the regional profitability calculation server 430, or the profitability calculation unit ( It is linked with a separate D / B server having a D / B storing profitability information provided in 1515 through a communication network.

According to the implementation method of the present invention, the financial system 450 is linked to the regional profitability calculation server 430 and linked to the ledger D / B (1550) in the financial system 450 ledger information to the regional profit calculation server Functions to provide to 430, and detailed description of the internal configuration has been described with reference to Figure 4, it will be omitted.

In addition, the ledger information for the ledger D / B 1550 of the financial system 450 has more information than the information shown in the ledger D / B 1550 of the financial system 450 shown in FIG. Only information for profitability calculation is shown.

Fig. 16 shows profitability information for each region for profitability calculation for each non-face-to-face channel according to the method of the present invention, profitability information for each subscription region, new subscription account profitability for each region, and new subscription ratio account for each region. The operation flow of the system for calculating profitability by region including at least one of profitability information is shown.

In more detail, FIG. 16 shows the ledger information from the ledger D / B 1550 of the financial system 450 shown in FIG. 4, and the above-mentioned five data by region through the regional profitability calculation server 430 shown in FIG. Profitability calculation server for each region by checking profitability information on three conditions (subscription account profitability information for each region, subscription account profitability information for each region, new subscription account profitability information for each region, and new subscription cost account profitability information for each region). Regarding the process of storing and registering in D / B), those of ordinary skill in the field of the present invention can infer various implementation methods of the system for calculating profitability by region with reference to FIG. It will be appreciated that the present invention is not limited to this figure 16 and includes all implementation methods inferred above.

Hereinafter, in FIG. 16, the profitability calculation server 430 for each region shown in FIG. 15 is referred to as a uniform “server”.

Referring to FIG. 16A, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1550 for calculating the profitability to the server. In response, the financial system 450 provides the ledger information of the ledger D / B 1550 to the server (1600a).

Here, the ledger information means customer information stored and registered in the ledger D / B 1550 of the financial system 450, subscription account information associated with customer information, and non-face-to-face channel information processing the subscription account. It is desirable to.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the subscription account information from the ledger information and extracts the information for each region from the subscription account information (1605a).

If information on groups other than regions is extracted from the subscription account information, processes are performed with reference to the drawings shown below according to each group, and in FIG. 16a, only portions of regions are processed (1610a).

Thereafter, the server checks the profitability information of the subscription account corresponding to each region (1615a), and stores and registers the checked profitability information in the server storage medium 1530 (1620a).

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

Referring to FIG. 16B, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1550 for calculating the profitability to the server. In response, the financial system 450 provides the ledger information of the ledger D / B 1550 to the server (1600b).

Here, the ledger information means customer information stored and registered in the ledger D / B 1550 of the financial system 450, subscription fee account information associated with the customer information, and non-face-to-face channel information that processed the subscription fee account. It is desirable to.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the subscription ratio account information from the ledger information, and extracts the information for each region from the subscription ratio account information (1605b).

If information on groups other than regions is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 16b, only portions of regions are processed (1610b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the region (1615b), and stores and registers the checked profitability information in the server storage medium 1530 (1620b).

Here, it is preferable that the subscription non-account profitability information for each region includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for securities, or a handling fee for ancillary services. Do.

Referring to FIG. 16c, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1550 for calculating the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1550 to the server (1600c).

Here, the ledger information is stored in the ledger D / B 1550 of the financial system 450, registered customer information, new subscription account information associated with the customer information, non-face-to-face channel information processing the new subscription account It is preferable to mean.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the new subscription account information from the ledger information and extracts the information for each region from the new subscription account information (1605c).

If information about groups other than regions is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 16c, only portions of regions are processed (1610c).

Thereafter, the server checks the new subscription account profitability information corresponding to each region (1615c), and stores and registers the checked profitability information in the server storage medium 1530 (1620c).

Here, the profitability information of the new subscription account for each region is the potential interest profitability to borrow and receive the interest on the newly registered savings account or the newly added savings account or the potential interest profitability on the new loan or the new loan. It is preferable to include at least one or more loan handling fees.

Referring to FIG. 16D, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1550 for calculating the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1550 to the server (1600d).

Here, the ledger information is stored in the ledger D / B 1550 of the financial system 450, registered customer information, new subscription cost information associated with the customer information, non-face-to-face channel information processing the new subscription cost account It is preferable to mean.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the new subscription fee account information from the ledger information, and extracts the information for each region from the new subscription fee account information (1605d).

If information on groups other than regions is extracted from the subscription account information, processes are performed with reference to the drawings shown below according to each group, and in FIG. 16d, only portions of regions are processed (1610d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the region (1615d), and stores and registers the checked profitability information in the server storage medium 1530 (1620d).

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

17 shows a system configuration for calculating the profitability of the gender non-facing channel according to the embodiment of the present invention.

More specifically, Figure 17 shows customer information (e.g., social security number, etc.), one or more subscription account information (e.g., savings account, savings account, etc.) or subscription cost account information (e.g., foreign exchange products (e.g. Import / export transaction products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), non-face-to-face channel information (e.g. Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking), non-face-to-face channel information, new subscription account information or new subscription account information, new subscription account information or new subscription account information processing the transaction history As the internal configuration of the system for extracting non-facing channel information and extracting gender information from the extracted information to calculate profitability for each non-facing channel for gender, Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of gender with reference to this figure 17, but the present invention is not limited to this figure 17, It includes all 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

In addition, the non-facing channel preferably comprises at least one of Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking and the like.

According to the implementation method of the present invention, the gender non-facing channel profitability calculation system for calculating the profitability of the accounting product or non-account product of the gender or the profitability of joining a new account product or new non-account product of the gender Profit calculation server 435, at least one or more financial transactions (e.g., credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) through at least one face-to-face or non-face-to-face financial transaction channel provided in the branch (or branch) of the financial institution It comprises a financial system 450 for providing a service.

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

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

The gender profitability calculation server 435 may include customer information, one or more subscription account information or one or more subscription ratio account information associated with the customer information, non-face-to-face channel information processing the subscription account or subscription ratio account, new subscription account information, or new account. Extracting the subscription ratio account information from the financial system 450, it is preferable to check the profitability of the gender for each non-face-to-face channel according to the non-face-to-face channel information, if the person having ordinary knowledge in the field of the present invention, Although a variety of information for calculating gender profitability, such as the cost of the non-face-to-face channel used by the gender (eg, the cost of maintaining the non-face-to-face channel), may be added to the method of confirming the profitability of the gender with reference to FIG. In Figure 3, the cost factor for non-face-to-face channels is not shown in the profitability calculations.

Here, the information on the required cost of the non-facing channel preferably means a cost for the non-facing channel for selling a product including at least one account product or non-account product to the customer.

It is preferable that the above cost means other material costs, eastern garden maintenance costs, defrosting expenses, pottery and the like.

The gender profit calculation server 435 is interworked with a separate D / B server having a D / B storing a profit calculation result of a gender or a separate D / B server having a D / B storing a result of a gender profit calculation. .

Referring to FIG. 17, the gender profitability calculation server 435 may include an information receiver 1700 (or an information receiver) for receiving information from the ledger D / B 1750 in association with an external system of the financial system 450. ), An information extracting unit 1705 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 1750, and to check the profitability information among the information extracted from the ledger D / B 1750. Information confirmation unit 1710 (or information confirmation means), profitability calculation unit 1715 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, information storage for storing the profitability calculation information in the D / B A unit 1720 (or information storage means) is provided.

Here, the ledger D / B 1750 is a D / B provided in the financial system 450. The ledger D / B 1750 includes customer information, account information, non-account information, It is preferable to include non-facing channel information.

According to the exemplary embodiment of the present invention, the information receiving unit 1700 may include the customer information, the account information subscribed to the customer and the non-account processing channel information, or the non-account information and non-account processing non-facing channel information subscribed to by the customer. Information including new subscription account information and new subscription account processing non-facing channel information for the account newly registered by the customer or at least one new subscription ratio account information and new subscription non-account processing non-facing channel information newly registered by the customer. Is received in the ledger information from the ledger D / B (1750) in conjunction with the external system of the financial system 450 is provided to the information extraction unit (1705).

Here, the ledger information preferably includes customer information, account information, non-account information, and non-facing channel information requested by the gender profit calculation server 435 to the financial system 450 to calculate profitability for the gender. .

According to an embodiment of the present invention, the information extraction unit 1705 is the customer information received from the information receiving unit 1700, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account Extracts information about gender from non-face-to-face channel information processed and provides the information to the information checking unit 1710 or the new subscription account information associated with the customer information and the customer information received by the information receiving unit 1700. Alternatively, information about gender is extracted from the new subscription ratio account information, the non-facing channel information managing the new subscription account or the new subscription ratio account, and provided to the information verification unit 1710.

According to an exemplary embodiment of the present invention, the information checking unit 1710 may include the customer information extracted by the information extracting unit 1705, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Among the non-face-to-face channel information processed, the subscription account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 1705, new subscription account information or new subscription fee associated with the customer information. The information storage unit 1720 and the profitability of the account information, the non-face-to-face channel information for managing the new subscription account or the new subscription ratio account checks the new subscription account profitability information or the new subscription non-account profitability information from the gender information. The calculation unit 1715 is provided.

The profitability calculation unit 1715 is a subscription account profitability information for a gender or a subscription fee account profitability information for a gender or a new subscription account profitability information for a gender or a new subscription ratio account profitability for a gender provided by the information checking unit 1710. Profitability may be calculated by linking profitability information of various genders including at least one information, and the profitability information about the calculated gender is provided to the information storage unit 1720.

According to the implementation method of the present invention, the profitability calculation unit 1715 borrows a deposit on a savings account or a savings account from the provisional account information on gender and receives profits such as interest income or loan interest income on a loan account. It is desirable to calculate the information.

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

In addition, the profitability calculation unit 1715 calculates a handling fee for a foreign exchange commodity transaction, a handling fee for a derivative product, a handling fee for a derivative product, a handling fee for a securities, or an additional service for securities. It is desirable to calculate profitability information such as handling fees.

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

In addition, the profitability information of the new subscription account for the gender is related to the potential interest profitability and the new interest loan on the new interest savings account or the potential interest profitability that can be borrowed and receive interest on the newly subscribed savings account. It is desirable to calculate profitability information such as Korean loan handling fee.

In this case, the profitability information of the new subscription account for the gender may be applied to the potential interest profitability or the new interest loan for the new loan or savings account or the new interest saving account. It is preferable to include at least one or more loan handling fees.

In addition, the profitability information of the new subscription fee account for the gender may include a handling fee for a new foreign exchange transaction, a handling fee for a new derivative subscription, a potential operating fee for a new derivative subscription, or a handling fee for a new securities transaction. It is desirable to calculate profitability information.

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

According to the method of the present invention, the information storage unit 1720 stores the profitability information provided by the profitability calculation unit 1715 in the D / B provided in the gender profit calculation server 435, or the profitability calculation unit ( It is linked with a separate D / B server having a D / B for storing the profitability information provided in 1715 through a communication network.

According to the implementation method of the present invention, the financial system 450 is linked to the gender profit calculation server 435, the gender profit calculation server in connection with the ledger D / B (1750) in the financial system 450 435 provides a function for providing a detailed description of the internal configuration, which will be omitted.

Further, the ledger information for the ledger D / B 1750 of the financial system 450 has more information than the information shown in the ledger D / B 1750 of the financial system 450 shown in FIG. Only information for profitability calculation is shown.

Figure 18 is a subscription account profitability information for gender, profitability information for gender non-face-to-face channel, profit ratio information for gender, new subscription account profitability information for gender, new subscription ratio account for gender according to the embodiment of the present invention It shows the operation flow of the system for calculating gender profitability made by including at least one profitability information.

In more detail, FIG. 18 shows the ledger information from the ledger D / B 1750 of the financial system 450 shown in FIG. 4, and the sex 5 is calculated through the gender profit calculation server 435 shown in FIG. Gender profitability calculation server by checking profitability information on three conditions (subscription account profitability information for gender, subscription cost account profitability information for gender, new subscription account profitability information for gender, and new subscription cost account profitability information for gender). Of the storage medium 1730, and a person having ordinary knowledge in the field to which the present invention pertains, the present invention infers various implementation methods of a system for calculating profitability of a gender. As will be appreciated, the present invention is not limited to this figure 18 and includes all the inferred implementation methods.

Hereinafter, in FIG. 18, the gender profitability calculation server 435 shown in FIG. 17 is referred to as "server" for convenience.

Referring to FIG. 18A, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1750 to calculate the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1750 to the server (1800a).

Here, the ledger information means customer information stored and registered in the ledger D / B 1750 of the financial system 450, subscription account information associated with customer information, and non-face-to-face channel information processing the subscription account. It is desirable to.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts subscription account information from the ledger information and extracts gender information from the subscription account information (1805a).

If information about groups other than gender is extracted from the subscription account information, processing is performed with reference to the drawings shown below according to each group, and in FIG. 18A, only the portion of gender is processed (1810a).

Thereafter, the server checks the profitability information of the subscription account corresponding to the gender (1815a), and stores and registers the checked profitability information in the server storage medium 1730 (1820a).

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

Referring to FIG. 18B, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1750 for calculating the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1750 to the server (1800b).

Here, the ledger information means customer information stored and registered in the ledger D / B 1750 of the financial system 450, subscription fee account information associated with the customer information, and non-face-to-face channel information that processed the subscription fee account. It is desirable to.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the subscription ratio account information from the ledger information and extracts the gender information from the subscription ratio account information (1805b).

If information about groups other than gender is extracted from the subscription account information, processing is performed with reference to the drawings shown below according to each group, and in FIG. 18b, only the portion of gender is processed (1810b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the gender (1815b), and stores and registers the confirmed profitability information in the server storage medium 1730 (1820b).

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

Referring to FIG. 18C, the server connects to the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1750 to calculate the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1750 to the server (1800c).

Here, the ledger information is stored in the ledger D / B 1750 of the financial system 450, registered customer information, new subscription account information associated with the customer information, the non-facing channel processing the new subscription account It is preferable to mean 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts new subscription account information from the ledger information and extracts gender information from the new subscription account information (1805c).

If information about groups other than gender is extracted from the subscription account information, processing is performed with reference to the drawings shown below according to each group, and in FIG. 18C, only the portion of the gender is processed (1810c).

Afterwards, the server checks the new subscription account profitability information corresponding to the gender (1815c), and stores and registers the checked profitability information in the server storage medium 1730 (1820c).

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

Referring to FIG. 18D, the server connects to the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1750 to calculate the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1750 to the server (1800d).

Here, the ledger information is stored in the ledger D / B 1750 of the financial system 450, registered customer information, new subscription cost information associated with the customer information, non-face-to-face channel information processing the new subscription cost account It is preferable to mean.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the new subscription ratio account information from the ledger information and extracts gender information from the new subscription ratio account information (1805d).

If information about groups other than gender is extracted from the subscription account information, the information is processed with reference to the drawings shown below according to each group, and in FIG. 18D, only the portion of the gender is processed (1810d).

Thereafter, the server checks profitability information of the new subscription fee account corresponding to gender (1815d), and stores and registers the checked profitability information on the server storage medium 1730 (1820d).

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

19 shows a system configuration for calculating the profitability of non-face-to-face channels for each occupation according to the method of the present invention.

More specifically, Figure 19 shows customer information (e.g., social security number, etc.), one or more subscription account information (e.g., savings account, savings account, etc.) or subscription cost account information (e.g. Non-face-to-face channel information (e.g., import / export transaction products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), subscription accounts or subscription accounts , Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking), non-face-to-face channel information, new subscription account information or new subscription account information, new subscription account information or new subscription account information processing the transaction history As an internal configuration of a system for extracting non-face-to-face channel information, and extracting information for each job from the extracted information to calculate profitability for each non-face-to-face channel for each job, Those skilled in the art to which the present invention pertains may refer to various embodiments of the system for calculating profitability by occupation with reference to this drawing 19. However, the present invention is not limited to this drawing 19. 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

In addition, the non-facing channel preferably comprises at least one of Internet banking, mobile banking, call centers, automated devices, firm banking, phone banking and the like.

According to the implementation method of the present invention, the profitability calculation system of the non-face-to-face channel for each job calculates the profitability by profitability calculation by account product or non-account product by job or by joining a new account product or new non-account product by job. Profit calculation server 440 for each job, at least one or more financial transactions (eg, credit, receiving, currency exchange, foreign currency remittance) through at least one face-to-face or non-face-to-face financial transaction channel provided in the branch (or branch) of the financial institution , Financial investment, etc.) is provided with a financial system 450 for providing a service.

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

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

The profitability calculation server 440 for each job includes customer information, one or more subscription account information or one or more subscription account information associated with the customer information, non-face-to-face channel information for processing the subscription account or an input fee account, and new subscription account information. Alternatively, a method of extracting new subscription non-account information from the financial system 450 and confirming profitability of each job according to non-face-to-face channels based on the non-face-to-face channel information is preferable, and has a general knowledge in the field to which the present invention belongs. If so, referring to FIG. 19, a variety of information for calculating profitability by occupation such as the cost of non-face-to-face channels used by occupation (eg, non-face-to-face channel maintenance costs) may be added to the method of confirming profitability by occupation. However, in FIG. 19, the factor for the cost of the non-facing channel is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the non-facing channel preferably means a cost for the non-facing channel for selling a product including at least one account product or non-account product to the customer.

It is preferable that the above cost means other material costs, eastern garden maintenance costs, defrosting expenses, pottery and the like.

The profitability calculation server 440 for each job may include a D / B server and a communication network having a D / B for storing profitability calculation results for each job or a D / B for storing profitability calculation results for each job. It is linked through.

Referring to FIG. 19, the job-specific profitability calculation server 440 may receive an information receiver 1900 (or information receiver) that receives information from the ledger D / B 1950 in association with the external system of the financial system 450. Means), an information extraction unit 1905 (or information extraction means) for extracting necessary information from the information received from the ledger D / B 1950, and confirming the profitability information among the information extracted from the ledger D / B 1950 Information confirmation unit 1910 (or information confirmation means), profitability calculation unit 1915 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and information storing the profitability calculation information in the D / B. And a storage unit 1920 (or information storage means).

Here, the ledger D / B 1950 is a D / B provided in the financial system 450. The ledger D / B 1950 includes customer information, account information, and non-account information necessary for calculating profitability for each job. Preferably, non-facing channel information is included.

According to the exemplary embodiment of the present invention, the information receiving unit 1900 may include the customer information, the account information subscribed to the customer and the account processing non-facing channel information, or the non-account information and non-account processing non-facing channel information subscribed to by the customer, Information including new subscription account information and new subscription account processing non-facing channel information for the account newly registered by the customer or at least one new subscription ratio account information and new subscription non-account processing non-facing channel information newly registered by the customer. Is provided with ledger information from the ledger D / B (1950) in conjunction with the external system of the financial system 450 to the information extraction unit (1905).

Here, the ledger information includes customer information, account information, non-account information, and non-facing channel information requested by the financial system 450 from the job profitability calculation server 440 for job profit calculation for each job. desirable.

According to the exemplary embodiment of the present invention, the information extracting unit 1905 may include the customer information received from the information receiving unit 1900, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extract the information on each job from the non-face-to-face channel information processed to provide to the information verification unit 1910, or the new subscription account associated with the customer information, the customer information received by the information receiving unit 1900 Information about the new subscription ratio account information, non-face-to-face channel information managing the new subscription account or the new subscription ratio account for each job is provided to the information verification unit 1910.

According to an exemplary embodiment of the present invention, the information checking unit 1910 may include the customer information extracted by the information extracting unit 1905, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Subscription account profitability information or non-account profitability information from the non-face-to-face channel information processed by the job, or the customer information extracted from the information extraction unit 1905, new subscription account information associated with the customer information or new Checking the new subscription account profitability information or the new subscription non-account profitability information in the subscription ratio account information, non-face-to-face channel information for managing the new subscription account or the new subscription ratio account by the information storage unit 1920 and the The profitability calculation unit 1915 is provided.

The profitability calculation unit 1915 is a subscription account profitability information for each job provided by the information verification unit 1910 or a subscription fee account profitability information for each job or a new subscription account profitability information for each job or job Profitability is calculated in connection with profitability information for various occupations including at least one new subscription non-account profitability information, and the profitability information for each calculated occupation is provided to the information storage unit 1920.

According to the method of the present invention, the profitability calculation unit 1915 borrows a deposit on a savings account or a savings account from the subscription account information for each job and receives profits such as interest income or loan interest income on a loan account. It is desirable to calculate the information.

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

In addition, the profitability calculation unit 1915 may include a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an incidental service in the subscription fee account information for each job. It is desirable to calculate profitability information such as Korean handling fees.

In this case, the subscription non-account profitability information for each job may include at least one of a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a security, or a handling fee for ancillary services. desirable.

In addition, the new subscription account profitability information for each job is the potential interest profitability and new loans for the potential interest profitability or new loan loans that can be borrowed and receive interest on new savings accounts or newly subscribed savings accounts. It is desirable to calculate profitability information, such as loan handling fees.

Here, the new subscription account profitability information for each job is a potential interest profitability or a new interest loan for a new loan or savings account or a new interest saving account or a potential interest profitability to borrow interest. It is preferable to include at least one or more loan handling fees for.

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

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

According to the method of the present invention, the information storage unit 1920 stores the profitability information provided by the profitability calculation unit 1915 in the D / B provided in the job-specific profitability calculation server 440, or the profitability calculation unit It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in (1915).

According to the implementation method of the present invention, the financial system 450 is linked with the ledger D / B (1950) in the financial system 450 in connection with the job-specific profitability calculation server 440 profitability by job It provides a function for providing to the calculation server 440, the detailed description of the internal configuration has been described with reference to Figure 4, it is omitted.

In addition, the ledger information for the ledger D / B 1950 of the financial system 450 has more information than the information shown in the ledger D / B 1950 of the financial system 450 shown in Figure 19, Only the information for calculating profitability is shown.

Figure 20 is a subscription account profitability information for each job for profitability calculation for each non-face-to-face channel according to the embodiment of the present invention, subscription non-account profitability information for each job, new subscription account profitability information for each job, by job The operation flow of the system for calculating profitability by job including at least one new subscription non-account profitability information for the job is shown.

In more detail, FIG. 20 shows the ledger information from the ledger D / B 1950 of the financial system 450 shown in FIG. Profitability information on the five conditions (subscription account profitability information for each job, subscription expense account profitability information for each job, new subscription account profitability information for each job, and new subscription non-account profitability information for each job) Regarding the process of storing and registering in the D / B of the job-specific profitability calculation server 440, a person having ordinary knowledge in the field to which the present invention belongs, the system for profitability calculation by job with reference to this figure 20 Various embodiments of the present invention may be inferred, but the present invention is not limited to the present invention 20, and includes all the inferred embodiments.

Hereinafter, in FIG. 20, a job-specific profitability calculation server 440 illustrated in FIG. 19 is referred to as a “server” for convenience.

Referring to FIG. 20A, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1950 for calculating the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1950 to the server (2000a).

Here, the ledger information means customer information stored and registered in the ledger D / B 1950 of the financial system 450, subscription account information associated with the customer information, and non-face-to-face channel information processing the subscription account. It is desirable to.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts subscription account information from the ledger information and extracts job information from the subscription account information (2005a).

If information on groups other than occupations is extracted from the subscription account information, the respective processes are referred to by referring to the drawings shown below according to each group, and in FIG. 20a, only the parts of the occupations are processed (2010a).

Thereafter, the server checks the profitability information of the subscription account corresponding to each occupation (2015a), and stores and registers the confirmed profitability information in the server storage medium 1930 (2020a).

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

Referring to FIG. 20B, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1950 for calculating the profitability to the server. In response to the request, the financial system 450 provides the ledger information of the ledger D / B 1950 to the server (2000b).

Here, the ledger information means customer information stored and registered in the ledger D / B 1950 of the financial system 450, subscription fee account information associated with the customer information, and non-face-to-face channel information that processed the subscription fee account. It is desirable to.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts subscription fee account information from the ledger information and extracts job information from the subscription fee account information (2005b).

If information about groups other than occupations is extracted from the subscription account information, the respective processes are referred to by referring to the drawings shown below according to the respective groups, and in FIG. 20b, only parts of occupations are processed (2010b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to each occupation (2015b), and stores and registers the confirmed profitability information in the server storage medium 1930 (2020b).

In this case, the subscription non-account profitability information for each job may include at least one of a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a security, or a handling fee for ancillary services. desirable.

Referring to FIG. 20c, the server accesses the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1950 for calculating the profitability to the server. In response, the financial system 450 provides the ledger information of the ledger D / B 1950 to the server (2000c).

Here, the ledger information is stored in the ledger D / B (1950) of the financial system 450, registered customer information, new subscription account information associated with the customer information, non-face-to-face channel information processing the new subscription account It is preferable to mean.

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

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

When the ledger information is provided from the financial system 450 as described above, the server extracts the new subscription account information from the ledger information and extracts the job information from the new subscription account information (2005c).

If information about groups other than occupations is extracted from the subscription account information, the respective processes are referred to by referring to the drawings shown below according to each group, and in FIG. 20c, only the parts of the occupations are processed (2010c).

Thereafter, the server checks the new subscription account profitability information corresponding to each job (2015c), and stores and registers the checked profitability information in the server storage medium 1930 (2020c).

In this case, the profitability information of the new subscription account for each job is applied to the potential interest profitability or the new interest loan for the new loan or savings account or the new interest saving account. It is preferable to include at least one or more loan handling fees.

Referring to FIG. 20D, the server connects to the financial system 450 through a predetermined communication network, and provides the ledger information of the financial system 450 ledger D / B 1950 for calculating the profitability to the server. In response, the financial system 450 provides the ledger information of the ledger D / B 1950 to the server (2000d).

Here, the ledger information is stored in the ledger D / B (1950) of the financial system 450, registered customer information, new subscription cost information associated with the customer information, non-facing channel information processing the new subscription cost account It is preferable to mean.

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

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

In addition, 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.

The non-facing channel information may include at least one type of information such as the type of the non-facing channel and the non-facing channel ID information.

Upon receiving the ledger information from the financial system 450 as described above, the server extracts the new subscription fee account information from the ledger information, and extracts the information for each job from the new subscription fee account information (2005d).

If information about groups other than occupations is extracted from the subscription account information, the respective processes are referred to by referring to the drawings shown below according to each group, and in FIG. 20d, only the parts of the occupations are processed (2010d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to each job (2015d), and stores and registers the checked profitability information in the server storage medium 1930 (2020d).

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

21 illustrates the configuration of a system for calculating profitability for each non-facing channel by integrating profitability information calculated by each server according to an embodiment of the present invention.

In more detail, FIG. 21 illustrates non-face-to-face channel information, profitability information associated with the non-face-to-face channel for profitability calculation for each non-face-to-face channel (eg, internet banking, mobile banking, call center, automation device, firm banking, and phone banking). The customer information of the profitability information associated with the non-face-to-face channel is included in the individual customer group profitability calculation server 405, the PB customer group profitability calculation server 410, or the special customer group profitability calculation server 415, or the company. Received from the customer group profit calculation server 420, or the age-based profit calculation server 425, or the regional profit calculation server 430, or the gender profit calculation server 435, or the job profit calculation server 440 The internal configuration of the system for calculating profitability information for each non-face-to-face channel according to a customer is illustrated. Although various implementation methods of a system for operating profitability calculation results for non-facing channels may be inferred, the present invention is not limited to the drawing 21, and includes all the implementation methods inferred.

Here, the non-facing channel preferably refers to a non-facing channel including at least one of internet banking, mobile banking, call center, automated device, firm banking, and phone banking.

According to an embodiment of the present invention, the system for calculating profitability for each non-face-to-face channel includes profitability information for each non-face-to-face channel of an individual customer group, profitability information for each non-face-to-face channel of a PB customer group, and profitability for each non-face-to-face channel of a special customer group. Information, profitability information of non-face-to-face channels of corporate customers, profitability information of non-face-to-face channels by age, profitability information of non-face-to-face channels by region, profitability information of non-face-to-face channels by gender, and profitability of non-face-to-face channels by occupation Non-face-to-face channel profitability calculation server 400 for calculating profitability by non-face-to-face channel based on information, individual customer group profitability calculation server 405 for calculating profitability by non-face-to-face channel based on customer information of individual customer group, PB customer group PB customer group profitability calculation server 410 for calculating profitability by non-face-to-face channel based on customer information Special Customer Group Profitability Calculation Server (415), Corporate Customer Group Profitability Calculation Server (420) to calculate profitability by non-face-to-face channel based on customer information of Corporate Customer Group, Age by Age Profitability calculation server (425), regional profitability calculation server (430) for calculating non-face-to-face profitability by region-specific customer information, gender profitability calculation server (435) for calculating profitability by non-face-to-face channel based on gender customer information, job Profitability calculation server 440 for calculating profitability for each non-face-to-face channel based on customer information, at least one or more financial transactions through at least one face-to-face or face-to-face financial transaction channel provided in branches (or branches) of financial institutions (Eg, credit, receiving, currency exchange, foreign exchange, financial investment, etc.) is provided with a financial system 450 for providing a service Shall be.

The non-face-to-face profitability calculation server 400 may include customer information, non-face-to-face channel information based on the customer information, profitability information of the individual customer group linked to the non-face-to-face channel information, profitability information of the PB customer group, and special customer group. Profitability information, profitability information of the corporate customer group, profitability information by age, profitability information by region, gender profitability information, profitability information by occupation, individual customer group profitability calculation server (405), PB customer group profitability calculation server (410), special customer group From profitability calculation server 415, corporate customer group profitability calculation server 420, age-specific profitability calculation server 425, regional profitability calculation server 430, gender profitability calculation server 435, job profitability calculation server 440 The method for calculating the profitability of the non-facing channel based on the customer information is preferable, and a person having ordinary knowledge in the field to which the present invention belongs, the non-face-to-face debt with reference to this figure 21 Various information for calculating profitability by non-face-to-face channels, such as the cost of employees (eg, employee wages), can be added to the method of checking profitability by each group, but in FIG. The city is omitted since it was not used to calculate profitability.

Here, it is preferable that the information on the required expenses of the employee means costs such as direct costs and indirect costs for employees belonging to the branch or organization.

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 non-face-to-face profitability calculation server 400 includes a D / B for storing the profitability calculation results for each non-face-to-face channel, or a separate D / B server with a D / B for storing the profitability calculation results for each non-face-to-channel channel. And interwork with the communication network.

Referring to FIG. 21, the non-facing channel profit calculation server 400 includes the personal customer group profit calculation server 405, the PB customer group profit calculation server 410, the special customer group profit calculation server 415, Corporate Customer Group Profitability calculation server 420, age-specific profitability calculation server 425, regional profitability calculation server 430, gender profitability calculation server 435, job profitability calculation server 440 Information receiving unit 2100 (or information receiving means) for receiving profitability information from the B, the individual customer group profitability calculation server 405 storage medium, PB customer group profitability calculation server 410 storage medium, special customer group profitability calculation server Storage medium, corporate customer group profitability calculation server (420) storage medium, age-based profitability calculation server (425) storage medium, regional profitability calculation server (430) storage medium, gender profitability calculation server (435) storage medium, occupation Profitability calculation server (440) low Information extraction unit (or information extraction means) for extracting the necessary information from the information received from the medium, the personal customer group profit calculation server 405 storage medium, PB customer group profit calculation server 410 storage medium, special customer group profitability Calculation server 415 storage medium, corporate customer group profitability calculation server 420 storage medium, age-specific profitability calculation server 425 storage medium, regional profitability calculation server 430 storage medium, gender profitability calculation server 435 storage medium, Profitability calculation by job server 440 Information checking unit (2110) (or information checking means) for identifying the non-face-to-channel among the information extracted from the storage medium, calculating the profitability for each non-face-to-channel from the information confirming the non-face-to-channel Profitability calculation unit 2115 (or profitability calculation means), the information storage unit 2100 (or information storage means) for storing the above-mentioned non-facing channel-specific profitability calculation information on the storage medium And that is characterized.

Here, the personal customer group profit calculation server 405 storage medium preferably comprises profitability information, non-facing channel information, customer information for the individual customer group.

In addition, the PB customer group profitability calculation server 410 storage medium preferably comprises profitability information, non-facing channel information, customer information for the PB customer group.

In addition, the special customer group profit calculation server 415 storage medium preferably comprises profitability information, non-facing channel information, customer information for the special customer group.

In addition, the corporate customer group profitability calculation server 420 storage medium preferably comprises profitability information, non-facing channel information, customer information for the corporate customer group.

In addition, the age-based profitability calculation server 425 storage medium preferably includes age-specific profitability information, non-facing channel information, customer information.

In addition, the region-based profitability calculation server 430 storage medium preferably comprises region-specific profitability information, non-face-to-face channel information, customer information.

In addition, the gender profitability calculation server 435 storage medium preferably includes gender profitability information, non-facing channel information, customer information.

In addition, the job profitability calculation server 440 for each job may include job profitability information, non-facing channel information, and customer information.

According to the exemplary embodiment of the present invention, the information receiving unit 2100 may include customer information, non-face-to-face channel information based on the customer information, individual customer group profitability information associated with the non-face-to-face channel information, or PB customer group profitability information, and special customers. Information including at least one group profitability information, age-specific profitability information, regional profitability information, gender profitability information, occupational profitability information includes individual customer group profitability calculation server 405, PB customer group profitability calculation server 410, special information. Customer group profit calculation server (415), corporate customer group profit calculation server (420), age-based profit calculation server (425), regional profit calculation server (430), gender profit calculation server (435), job profit calculation server (440) Receive profitability information from) and provide it to the information extraction unit.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

According to the exemplary embodiment of the present invention, the information extracting unit receives the customer information received from the information receiving unit 2100, non-face-to-channel information by the customer information, personal customer group profitability information associated with the non-face-to-channel information, PB customer The profitability information for each non-face-to-face channel is extracted from the group profitability information, special customer group profitability information, corporate customer group profitability information, age-specific profitability information, regional profitability information, gender profitability information and job profitability information to the information verification unit 2110. to provide.

According to the exemplary embodiment of the present invention, the information checking unit 2110 may include the customer information provided by the information extracting unit, non-face-to-face channel information based on the customer information, personal customer group profitability information associated with the non-face-to-side channel information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age-specific profitability information, regional profitability information, gender profitability information, occupational profitability information to check the non-facing channel information to the profitability calculation unit (2115) to provide.

The profitability calculation unit 2115 may include personal customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age-specific profitability information, regional profitability information provided by the information checker 2110, Profitability is calculated by linking gender profitability information and job profitability information with non-face-to-face channel information, and provides the calculated non-face-to-face profitability information to the information storage unit 2100.

According to the exemplary embodiment of the present invention, the profitability calculator 2115 may calculate profitability in association with non-face-to-face channel information in the personal customer group profitability information provided by the information checker 2110.

Here, the non-face-to-face profitability information for each channel includes individual customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age profitability information, regional profitability information, gender profitability information, occupational profitability information. It is preferable to include at least one.

In addition, the profitability calculation unit 2115 may calculate profitability in connection with non-face-to-face channel information in the PB customer group profitability information provided by the information checking unit 2110.

In addition, the profitability calculation unit 2115 may calculate profitability in connection with non-face-to-face channel information in the special customer group profitability information provided by the information checking unit 2110.

In addition, the profitability calculation unit 2115 may calculate profitability in connection with non-face-to-face channel information in the corporate customer group profitability information provided by the information checking unit 2110.

In addition, the profitability calculation unit 2115 preferably calculates profitability in association with non-face-to-face channel information in the age-specific profitability information provided by the information checking unit 2110.

In addition, the profitability calculation unit 2115 may calculate profitability in association with non-face-to-face channel information in the regional profitability information provided by the information checking unit 2110.

In addition, the profitability calculation unit 2115 may calculate profitability in connection with non-face-to-face channel information in gender profitability information provided by the information checking unit 2110.

In addition, the profitability calculator 2115 may calculate profitability in connection with non-face-to-face channel information in job profitability information provided by the information checker 2110.

According to the exemplary embodiment of the present invention, the information storage unit 2100 stores the profitability information provided by the profitability calculation unit 2115 in a storage medium provided in the non-facing channel profitability calculation server 400 or the profitability calculation unit. It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided by (2115).

22 shows individual customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age-specific profitability information, regional profitability information, The operation flow of the system for calculating profitability for each non-face-to-face channel including at least one of gender profitability information and job profitability information is shown.

In more detail, FIG. 22 shows the individual customer group profitability calculation server 405 shown in FIG. 5, the PB customer group profitability calculation server 410 shown in FIG. 7, and the special customer group profitability calculation server shown in FIG. 415), the corporate customer group profitability calculation server 420 shown in FIG. 11, the age-specific profitability calculation server 425 shown in FIG. 13, the regional profitability calculation server 430 shown in FIG. 15, and the gender shown in FIG. Profitability calculation server 435, taking the profitability information from the D / B of the job-specific profitability calculation server 440 shown in Figure 19, calculates the profitability information for each non-facing channel shown in Figure 21 to calculate the non-facing channel profitability calculation server Regarding the process of storing and registering at D / B of 400, a person having ordinary knowledge in the field to which the present invention pertains, various implementation methods of a system for calculating profitability for each non-facing channel with reference to FIG. Be able to infer However, the present invention is not limited to this drawing 22, but includes all implementation methods inferred from the above.

Hereinafter, in FIG. 22, the non-facing channel profitability calculation server 400 shown in FIG. 21 is referred to as a “server” for convenience.

22, the personal customer group profitability calculation server 405, the PB customer group profitability calculation server 410, or the special customer group profitability calculation server 415, or a corporate customer through a predetermined communication network in the server. The individual customer group for the profitability calculation server 420, or the age-specific profitability calculation server 425, or the regional profitability calculation server 430, or the gender profitability calculation server 435, is connected to the server. Profitability calculation server 405, or PB customer group profitability calculation server 410, or special customer group profitability calculation server 415, or corporate customer group profitability calculation server 420, or age-specific profitability calculation server 425, or Providing profitability information stored and registered in the D / B of each region's profitability calculation server 430, gender profitability calculation server 435, or occupational profitability calculation server 440, and correspondingly, Guest group profitability calculation server 405, PB customer group profitability calculation server 410, or special customer group profitability calculation server 415, or corporate customer group profitability calculation server 420, or age-specific profitability calculation server 425 Alternatively, the regional profitability calculation server 430, the gender profitability calculation server 435, or the occupational profitability calculation server 440 provides non-facing channel information and profitability information of the D / B to the server (2200).

Here, the non-facing channel preferably refers to a non-facing channel including at least one of internet banking, mobile banking, call center, automated device, firm banking, and phone banking.

Then, the server is the individual customer group profitability calculation server 405, or PB customer group profitability calculation server 410, or the special customer group profitability calculation server 415, or the corporate customer group profitability calculation server 420, or The non-facing channel is identified from information received from the age-based profitability calculation server 425, the regional profitability calculation server 430, the gender profitability calculation server 435, or the job-specific profitability calculation server 440 (2205).

If the server extracts information on a non-facing channel other than the non-facing channel for which the non-facing channel information is being calculated, the extracted information is discarded and only a portion of the non-facing channel being calculated is processed (2210).

Thereafter, the server profitability information, PB customer group profitability information, or special customer group profitability information, or corporate customer group profitability information, or age-specific profitability information, or regional profitability information, or gender profitability information, job Profitability for each non-facing channel is calculated from the profitability information (2215), and the calculated profitability information is stored and registered in the server D / B (2220).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here, the non-face-to-face profitability information includes at least one individual customer group profitability information, PB customer group profitability information, special customer group profitability information, age-specific profitability information, regional profitability information, gender profitability information, occupational profitability information. It is preferable to make.

Figure 23 shows the configuration of the profitability calculation system 182 for the channel / employee for operating the profitability calculation and operation of the calculation result according to the channel / employee according to the embodiment of the present invention.

More specifically, Figure 23 divides the profitability calculation unit into seven for profitability calculation by counter channel / staff, calculates the profitability per unit in each of the seven servers, and displays the results calculated by the counter channel / staff. Figure 1 shows a system that enables the operation of profitability calculation through profitability calculation server for each person. If the person having ordinary knowledge in the field to which the present invention belongs, the profitability calculation and calculation for each channel / staff is described with reference to FIG. Various implementations of operating the results may be inferred, but the present invention is not limited to this figure 23 and includes all implementations inferred.

* Referring to FIG. 23 according to the embodiment of the present invention, the profitability calculation system 182 for the counter channel / employee for operating the profitability calculation for each channel / staff and the calculation result is performed by the individual customer group profitability calculation server 2305 and PB. Customer group profit calculation server (2310), special customer group profit calculation server (2315), corporate customer group profit calculation server (2315), comprehensive financial group profit calculation server (2325), fund / international group profit calculation server (2330), Trust group profitability calculation server (2335), integrated profitability calculation server (2300), characterized in that is made with a financial system (2350).

In addition, individual customer group profitability calculation server (2305), PB customer group profitability calculation server (2310), special customer group profitability calculation server (2315), corporate customer group profitability calculation server (2315), comprehensive financial group profitability calculation server (2325) ), The fund / international group profit calculation server 2330, the trust group profit calculation server 2335, and the integrated profit calculation server 2300 may be provided inside the financial system 2350 or external to the financial system 2350. It may be provided in.

In addition, individual customer group profitability calculation server (2305), PB customer group profitability calculation server (2310), special customer group profitability calculation server (2315), corporate customer group profitability calculation server (2315), comprehensive financial group profitability calculation server (2325) ), The fund / international group profit calculation server 2330, the trust group profit calculation server 2335, and the integrated profit calculation server 2300 may be provided in the form of a module in one server.

Here, the integrated server receives the information of the PB customer group, the information receiving unit (or information receiving means) for receiving the information of the individual customer group receiving information from the ledger D / B in connection with the external system of the financial system 2350 Information receiving unit for receiving information of special customer group, information receiving unit for receiving information of corporate customer group, information receiving unit for receiving information of comprehensive financial group, information receiving unit for receiving information of fund / international group, new Characterized in that it comprises at least one or more information receiving unit for receiving the information of the takgroup.

In addition, the integrated server is an information extraction unit (or information extraction means) for extracting information on the individual customer group of the information received from the information receiving unit, the information extraction unit for extracting the information for the PB customer group, special customer group An information extraction unit for extracting information about a corporate customer group, an information extraction unit for extracting information about a corporate customer group, an information extraction unit for extracting information about a comprehensive financial group, an information extraction unit for extracting information about a fund / international group, a trust At least one information extraction unit for extracting information about the group is characterized in that it comprises.

In addition, the integrated server is an information verification unit (or information verification means) for confirming the profitability information for the individual customer group of the information extracted by the information extraction unit, information confirmation unit for confirming the profitability information for the PB customer group, special customers Information checking unit to check profitability information for the group, Information checking unit to check profitability information for the comprehensive financial group, Information checking unit to check profitability information for the fund / international group, Profitability information for the trust group It is characterized by comprising at least one information confirmation unit.

The integrated server may include a profitability calculation unit (or profitability calculation unit) for calculating profitability information for the individual customer group among information checked by the information confirmation unit, a profitability calculation unit for calculating profitability information for the PB customer group, and a special customer. Profitability calculation department that calculates profitability information for group, profitability calculation department that calculates profitability information for corporate customer group, profitability calculation unit for profitability information for comprehensive financial group, profitability information for fund / international group Profitability calculation unit, characterized in that it comprises at least one or more profitability calculation unit for calculating profitability information for the trust group.

In addition, the profitability calculation unit, the individual customer group profitability calculation results, PB customer group profitability calculation results, special customer group profitability calculation results, corporate customer group profitability calculation results, comprehensive financial group profitability calculation results, fund / international group profitability calculation results, Integrating the trust group profit calculation results, characterized in that it comprises at least one or more functions to calculate the profitability of each window staff / channel.

In addition, the integrated server stores the profitability information calculated by the profitability calculation unit in the individual customer group profitability calculation information D / B (or information storage means), PB customer group profitability calculation information D / B to store Information storage unit, special customer group profitability calculation information D / B, information storage unit, corporate customer group profitability calculation information D / B, information storage unit, comprehensive financial group profitability calculation information D / B storage information The information storage unit may include at least one information storage unit stored in the fund / international group profitability calculation information D / B and at least one information storage unit stored in the trust group profitability calculation information D / B.

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

According to the exemplary embodiment of the present invention, the personal customer group profitability calculation server 2305 may calculate profitability by account products or non-account products of the personal customer group or profitability calculation or personal customer group by a certain period of transaction history of the personal customer group. Providing a function of calculating the profitability of the individual customer group to calculate the profitability of the new account or join the new non-account product.

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

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

In addition, the foreign exchange product is preferably meant for import and export trading products 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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

According to an embodiment of the present invention, the PB customer group profitability calculation server 2310 may calculate profitability by account products or non-account products of the PB customer group or profitability calculation by transaction details of the PB customer group for a certain period of time, or PB customer group. Providing a function of calculating the profitability of the PB customer group to calculate the profitability of joining a new account product or a new non-account product.

According to an embodiment of the present invention, the special customer group profitability calculation server 2315 is a profitability calculation based on the account product or non-account product of the special customer group or the profitability calculation based on a certain period of transaction of the special customer group or the special customer group. It is characterized by providing a special customer group profitability calculation function to calculate the profitability of the new account products or new non-account subscriptions.

According to the implementation method of the present invention, the corporate customer group profitability calculation server 2315 is a profitability calculation by account products or non-account products of the corporate customer group or a profitability calculation or a corporate customer group by a predetermined period of transaction history of the corporate customer group Providing a function of calculating the profitability of the corporate customer group to calculate the profitability of the new account or join the new non-account product.

According to an embodiment of the present invention, the comprehensive financial group profitability calculation server 2325 may be formed by investment finance or international finance or asset-backed securities (ABS) or social overhead capital (SOC) or restructuring or real estate. It is characterized by providing a comprehensive financial group profitability calculation function for profitability calculation or profitability calculation based on credit management information of a comprehensive financial group, or profitability calculation based on received procurement information of a comprehensive financial group.

According to the implementation method of the present invention, the fund / international group profitability calculation server 2330 may be used for managing foreign currency or foreign currency fund management information of funds / international group, or fund / international group, or fund / international group. Provide profit / international group profitability calculation function to calculate profitability based on derivatives management information of the company, stock management information of funds / international group, bond management information of funds / international group, or marketing performance information of funds / international group. Characterized in that.

According to the implementation method of the present invention, the trust group profit calculation server 2335 provides a trust group profit calculation function for calculating profitability by trust information, or trust business information, or fund office management information of the trust group. It is done.

According to an embodiment of the present invention, the integrated profitability calculation server 2300 may include profitability information calculated by the individual customer group profitability calculation server 2305 or profitability information calculated by the PB customer group profitability calculation server 2310, Or profitability information calculated by the special customer group profitability calculation server 2315, profitability information calculated by the corporate customer group profitability calculation server 2315, or profitability information calculated by the comprehensive financial group profitability calculation server 2325. Or provide an integrated profitability calculation function comprising at least one of profitability information calculated by the fund / international group profitability calculation server 2330 and the trust group profitability calculation server 2335.

According to an embodiment of the present invention, the financial system 2350 is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (eg, a branch network). Characterized in that, through the counter terminal provides a financial transaction service of face to face at least one financial transaction customer.

In addition, the financial system 2350 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 2350 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 financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 2350 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 / through the wireless banking server, and / Or at least one wireless terminal (e.g., a personal communication system (PCS) having a connection and browsing function with the mobile communication network) connected to the IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network; and / Or non-face-to-face financing to at least one financial transaction 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 financial system 2350 is characterized in that it is associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) At least one or more through at least one wireless terminal (e.g., a wireless terminal having a financial IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to financial transaction customers.

In addition, the financial system 2350 is associated with 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 a mobile communication network based on a Code Division Multiple Access (CDMA)) And / or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 2350 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 financial transaction services to at least one financial transaction customer.

In addition, the financial system 2350 is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 23, the financial system 2350 is provided to a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. An accounting system comprising: an accounting system for processing a windowing service such as a credit or a reception or trust or a foreign exchange occurring in at least one branch (or window); an information system for processing the headquarters business, supporting branch information, and managing customer information; And, interconnection between the financial system 2350 and at least one other financial system 2350 (and / or payment system), and / or at least one non-face-to-face financial 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.) System 2350, and / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module 2350 corresponds to a middleware platform that provides inter-component interfacing between components in the financial system 2350, and predetermined functions required for performing respective functions in the components in the financial system 2350. 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 financial system 2350 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 2350 and the purpose of the financial system 2350. And according to the features, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 2350, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

Figure 24 shows a system configuration for calculating the profitability of the individual customer teller according to the embodiment of the present invention.

More specifically, Figure 24 shows customer information (eg, social security number, etc.), one or more subscription account information (eg, savings account, savings account, etc.) or subscription cost account information (eg, foreign exchange product (heritage) for calculating profitability of the individual customer group. Import and export transaction products, etc.), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), employee information in charge of subscription accounts or subscription accounts, Extract the transaction information for a certain period of time associated with the customer information, the employee information in charge of the transaction history, new subscription account information or new subscription account information, new subscription account information or new subscription account information, As the present invention shows an internal configuration of a system for calculating profitability for each employee by extracting information about individual customers from the extracted information, Those skilled in the art can infer various implementation methods of the system for calculating the profitability of the individual customer group with reference to this drawing 24, but the present invention is not limited to this drawing 24, 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

In addition, 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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

* According to the method of the present invention, the profitability calculation system of the personal customer teller is calculated by profitability calculation by the account product or non-account product of the personal customer group or the profitability calculation by the transaction history of the personal customer group or the individual customer group Personal customer group profitability calculation server 2305 for calculating the profitability of joining a new account product or a new non-account product, and at least one face-to-face or non-face-to-face financial transaction channel provided at a branch (or branch) of a financial institution. It is characterized in that it comprises a financial system 2350 for providing at least one or more financial transactions (for example, credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) services.

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 2305 is linked to the customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, the employee information in charge of the subscription account or subscription cost account, the customer information The transaction history, the employee information in charge of the transaction history, the new subscription account information or the new subscription fee account information is extracted from the financial system 2350 for a predetermined period of time. It is preferable to check the method, and those skilled in the art to which the present invention belongs, refer to the drawing 24, the cost required for the employee in charge of the individual customer in the method of confirming the profitability of the individual customer group (for example, Various information for calculating profitability of individual customer groups such as employee wages, etc. may be added. The cost factor is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to costs such as direct costs and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

The individual customer group profitability calculation server 2305 includes a D / B for storing profitability calculation results of the individual customer group for each channel or employee, or a D / B for storing profitability calculation results for the individual customer group for each channel or employee. Interworking with a separate D / B server having a B and a communication network.

Referring to FIG. 24, the personal customer group profitability calculation server 2305 receives an information receiver 2400 (or information) for receiving information from the ledger D / B 2450 in association with the external system of the financial system 2350. Receiving means), information extracting unit 2405 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 2450, and profitability information among the information extracted from the ledger D / B 2450; Information confirmation unit 2410 (or information confirmation means) for checking, a profitability calculation unit 2415 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B And an information storage unit 2420 (or information storage means).

Here, the ledger D / B 2450 is a D / B provided in the financial system 2350. The ledger D / B 2450 includes customer information, account information, and non-account required for calculating profitability for the individual customer group. It is preferable to include information, staff information, transaction history information.

According to the embodiment of the present invention, the information receiving unit 2400 is the customer information, the account information and account staff information subscribed to the customer, or the non-account information and non-account staff information registered by the customer or the customer transactions Employee information that processed a transaction and transaction, or new account information and new account holder information for a new account, or a new member account information and a new member account information. Receiving the ledger information from the ledger D / B (2450) in association with the external system of the financial system 2350 is provided to the information extraction unit 2405.

Here, the ledger information includes customer information, account information, non-account information, employee information, transaction history information requested by the financial system 2350 from the individual customer group profitability calculation server 2305 to calculate profitability for the individual customer group. It is preferable to comprise.

According to an embodiment of the present invention, the information extraction unit 2405 is the customer information received from the information receiving unit 2400, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account Extract the information on the individual customer from the employee information in charge of the information provided to the information verification unit 2410, or for a predetermined period associated with the customer information, the customer information received from the information receiving unit 2400 Transaction information, and extracts the information on the individual customer from the employee information in charge of the transaction history provided to the information check unit 2410, or the customer information received from the information receiving unit 2400 and the customer information; The information on the individual customer among linked new subscription account information or new subscription fee account information, and employee information managing the new subscription account or new subscription fee account. Extracts and provides it to the information checking unit 2410.

According to an exemplary embodiment of the present invention, the information checking unit 2410 may include the customer information extracted by the information extracting unit 2405, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. From the information on the individual customer of the employee information in charge of subscription account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 2405, transaction history for a certain period associated with the customer information, The transaction profitability information from the information on the individual customer among the employee information in charge of the transaction history, or the customer information extracted from the information extraction unit 2405, new subscription account information or new subscription account information associated with the customer information. , The number of new subscription accounts from the information on the individual customer among the employee information managing the new subscription account or the new subscription fee account Determine the configuration information or new subscription account profitability information will be available in the information storage unit 2420 and the profitability of the calculation unit 2415.

The profitability calculation unit 2415 may include subscription account profitability information for the individual customer or subscription non-account profitability information for the individual customer or transaction profitability information for the individual customer or new subscription for the individual customer provided by the information checker 2410. Profitability is calculated by linking with profitability information for a plurality of individual customers including at least one account profitability information or new subscription non-account profitability information for individual customers, and stores information on the calculated profitability information for individual customers Provided to section 2420.

According to the implementation method of the present invention, the profitability calculation unit 2415 is a profitability such as interest income or loan interest income for the loan account for borrowing the deposit for the savings account or savings account from the subscription account information for the individual customer It is desirable to calculate the information.

In this case, the subscription account profitability information for the individual customer may include at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

In addition, the profitability calculation unit 2415 may include a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an incidental service for the subscription fee account information for the individual customer. It is desirable to calculate profitability information such as Korean handling fees.

In this case, the subscription non-account profitability information for the individual customer may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for derivatives, a handling fee for securities, or a handling fee for ancillary services. desirable.

In addition, the profitability calculation unit 2415 for the individual customer preferably calculates profitability information such as handling fees for unpaid deposits in the transaction history.

Here, the transaction profitability information for the individual customer is preferably made including a handling fee for the passbook deposit.

In addition, the new subscription account profitability information for the individual customer is the potential interest profitability and new loans for the potential interest profitability or new loan loans that can be borrowed and receive interest on the newly registered savings account or newly subscribed savings account It is desirable to calculate profitability information, such as loan handling fees.

In this case, the new subscription account profitability information for the individual customer is a potential interest profitability or a new loan for the new loan savings account or a new loan savings account and the potential interest profitability or loan for the new loan. It is preferable to include at least one or more loan handling fees for.

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

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

According to an exemplary embodiment of the present invention, the information storage unit 2420 stores profitability information provided by the profitability calculation unit 2415 in a D / B provided in the personal customer group profitability calculation server 2305 or calculates the profitability. It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 2415 through a communication network.

According to the implementation method of the present invention, the financial system 2350 is linked to the personal customer group profitability calculation server 2305 and the ledger information in connection with the ledger D / B 2450 inside the financial system 2350 personal customer A function for providing to the group profit calculation server 2305 is provided, and a detailed description of the internal configuration has been described with reference to FIG.

Further, the ledger information for the ledger D / B 2450 of the financial system 2350 has more information than the information shown in the ledger D / B 2450 of the financial system 2350 shown in FIG. Only the information for calculating customer group profitability is shown.

Figure 25 is a subscription account profitability information for individual customers, profitability information for individual customers, non-account subscription profitability information, transaction profitability information for individual customers, new to individual customers according to the implementation method of the present invention The operation flow of the system for calculating individual customer profitability, which includes at least one subscription account profitability information and new subscription non-account profitability information for individual customers, is illustrated.

More specifically, FIG. 25 shows the ledger information from the ledger D / B 2450 of the financial system 2350 shown in FIG. 23, and the individual customer through the personal customer group profitability calculation server 2305 shown in FIG. The above five conditions of the group (subscription account profitability information for individual customers, subscription account profitability information for individual customers, transaction profitability information for individual customers, new subscription account profitability information for individual customers, new subscription account accounts for individual customers) Profitability information) to check the profitability information and to store and register in the D / B of the individual customer group profitability calculation server 2305, if the person having ordinary knowledge in the field of the present invention, this figure 25 With reference to the various implementation methods of the system for calculating the profitability of the individual customer group can be inferred, the present invention is not limited to this figure 25, the inference It includes any method embodiment.

Hereinafter, in Fig. 25, the individual customer group profitability calculation server 2305 shown in Fig. 24 is referred to as &quot; server &quot; for convenience.

Referring to FIG. 25A, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 2450 for the profitability calculation to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 2450 to the server (2500a).

Here, the ledger information means customer information stored and registered in the ledger D / B 2450 of the financial system 2350, subscription account information associated with the customer information, and employee information in charge of the subscription account. It is preferable.

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts the subscription account information from the ledger information and extracts information about the individual customer group from the subscription account information (2505a).

If information about groups other than the individual customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 2510a.

Thereafter, the server calculates the profitability of the subscription account corresponding to the individual customer group (2515a), and stores and registers the calculated profitability information in the server D / B (2520a).

In this case, the subscription account profitability information for the individual customer may include at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

Referring to FIG. 25B, the server connects to the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 2450 for the profitability calculation to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 2450 to the server (2500b).

Here, the ledger information means customer information stored and registered in the ledger D / B 2450 of the financial system 2350, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account. desirable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts the subscription ratio account information from the ledger information and extracts the information about the individual customer group from the subscription ratio account information (2505b).

If information on groups other than the individual customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 2510b.

Thereafter, the server calculates the profitability of the subscription fee account corresponding to the individual customer group (2515b), and stores and registers the calculated profitability information in the server D / B (2520b).

In this case, the subscription non-account profitability information for the individual customer may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for derivatives, a handling fee for securities, or a handling fee for ancillary services. desirable.

Referring to FIG. 25c, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 2450 for the profitability calculation to the server. In response, the financial system 2350 provides the ledger information of the ledger D / B 2450 to the server (2500c).

Here, the ledger information means customer information stored and registered in the ledger D / B 2450 of the financial system 2350, transaction history information associated with the customer information, and employee information in charge of the transaction details. desirable.

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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts transaction history information from the ledger information and extracts information on the individual customer group from the transaction history information (2505c).

If information about groups other than the individual customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 2510c.

Thereafter, the server calculates the profitability of the transaction history corresponding to the individual customer group (2515c), and stores and registers the calculated profitability information in the server D / B (2520c).

Here, the transaction profitability information for the individual customer is preferably made including a handling fee for the passbook deposit.

Referring to FIG. 25D, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 2450 for calculating the profitability to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 2450 to the server (2500d).

Here, the ledger information means customer information stored and registered in the ledger D / B 2450 of the financial system 2350, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. It is desirable to.

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts the new subscription account information from the ledger information and extracts information about the individual customer group from the new subscription account information (2505d).

If information on groups other than the individual customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 2510d.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the individual customer group (2515d), and stores and registers the calculated profitability information in the server D / B (2520d).

Here, the profitability information of the new subscription account for the individual customer is related to the potential interest profitability or the new interest loan on the new loan or savings account or the new interest saving account. It is preferable to include at least one of the loan handling fee.

Referring to FIG. 25E, the server accesses the financial system 2350 through a predetermined communication network and provides the server with the ledger information of the ledger D / B 2450 of the financial system 2350 for calculating the profitability. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 2450 to the server (2500e).

Here, the ledger information means customer information stored and registered in the ledger D / B 2450 of the financial system 2350, new subscription fee account information associated with the customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

In addition, the foreign exchange product is preferably meant for import and export trading products such as lactic acid.

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

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

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts the new subscription ratio account information from the ledger information and extracts the information about the individual customer group from the new subscription ratio account information (2505e).

If information about groups other than the individual customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 2510e.

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the individual customer group (2515e), and stores and registers the calculated profitability information in the server D / B (2520e).

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

Figure 26 illustrates a system configuration for calculating the profitability of the PB customer teller staff according to the embodiment of the present invention.

More specifically, Figure 26 shows customer information (eg, social security number, etc.), one or more subscription account information (eg, savings account, savings account, etc.) or subscription cost account information (eg, foreign exchange product (heritage) for calculating profitability of the PB customer group. Such as import and export trade products, etc.), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), employee information in charge of subscription accounts or subscription accounts, Extract the transaction information for a certain period of time associated with the customer information, the employee information in charge of the transaction history, new subscription account information or new subscription account information, new subscription account information or new subscription account information, The internal configuration of the system for calculating the profitability for each PB customer group for the PB customer group by extracting the information about the PB customer from the extracted information, the field to which the present invention belongs If one of ordinary skill in the art, with reference to this figure 26 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 26, all inferred It includes the method of implementation.

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

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

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

In addition, 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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

According to the method of the present invention, the profitability calculation system of the PB customer counter staff includes the profitability calculation by the account product or the non-account product of the PB customer group or the profitability calculation by the transaction history of the PB customer group or the PB customer group. PB customer group profitability calculation server 2310 for calculating the profitability of joining a new account product or a new non-account product, at least one of the face-to-face or non-face-to-face financial transaction channels provided at a branch (or branch) of a financial institution. And a financial system 2350 for providing one or more financial transactions (eg, credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) services.

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 2310 is linked to the customer information, at least one subscription account information or at least one subscription cost information associated with the customer information, the employee information in charge of the subscription account or subscription account, the customer information Extracted from the financial system 2350, the transaction information, the employee information in charge of the transaction history, the new subscription account information or the new subscription cost account information for a predetermined period of time, and the profitability of the PB customer group for each employee according to the employee information It is preferable to check the method, and those skilled in the art to which the present invention belongs, refer to this figure 26, the cost required for the employee in charge of the PB customer in the method of confirming the profitability of the PB customer group (for example, Various information for calculating profitability of PB customer group such as employee wage, etc. can be added. One factor is not used in profitability calculations and is therefore omitted.

In this case, the information on the required cost of the employee may mean a cost such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

* The PB customer group profitability calculation server 2310 includes a D / B for storing the profitability calculation results of the PB customer group for each channel or employee, or the DB for storing the profitability calculation results for the PB customer group for each channel or employee. It is linked with a separate D / B server equipped with / B through a communication network.

Referring to FIG. 26, the PB customer group profitability calculation server 2310 receives an information receiver 2600 (or information) for receiving information from the ledger D / B 2650 in association with the external system of the financial system 2350. Receiving means), information extracting unit 2605 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 2650, and profitability information among the information extracted from the ledger D / B 2650. The information confirmation unit 2610 (or information confirmation means) for checking, the profitability calculation unit 2615 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B An information storage unit 2620 (or information storage means) is provided.

Here, the ledger D / B 2650 is a D / B provided in the financial system 2350, and the ledger D / B 2650 includes customer information, account information, and non-account required for calculating profitability for the PB customer group. It is preferable to include information, staff information, transaction history information.

According to the embodiment of the present invention, the information receiving unit 2600 is the customer information, the account information and account employee information subscribed to the customer or the non-account information and non-account employee information subscribed to the customer or the customer transactions Employee information that processed a transaction and transaction, or new account information and new account holder information for a new account, or a new member account information and a new member account information. Receives the ledger information from the ledger D / B (2650) in association with the external system of the financial system 2350 is provided to the information extraction unit (2605).

Here, the ledger information is customer information, account information, non-account information, employee information, transaction history information requested from the PB customer group profitability calculation server 2310 to the financial system 2350 in order to calculate profitability for the PB customer group. It is preferable to comprise a.

According to the exemplary embodiment of the present invention, the information extracting unit 2605 may include the customer information received from the information receiving unit 2600, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extract the information on the PB customer from the staff information in charge of the information provided to the information verification unit 2610 or the customer information received from the information receiving unit 2600, for a predetermined period associated with the customer information Transaction information, and extracts information about the PB customer from the employee information in charge of the transaction history to the information verification unit 2610 or the customer information received from the information receiving unit 2600 and the customer information; Extract information on PB customers from linked new subscription account information or new subscription cost account information, employee information managing the new subscription account or new subscription cost account. Over the information and provides the confirmation unit 2610.

According to the exemplary embodiment of the present invention, the information checking unit 2610 may include the customer information extracted from the information extracting unit 2605, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Among the employee information in charge of the PB customer information from the subscription account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 2605, transaction history for a certain period associated with the customer information, Among the employee information in charge of the transaction details, transaction profitability information from PB customer information, the customer information extracted from the information extraction unit 2605, new subscription account information or new subscription account information associated with the customer information, The profitability information of the new subscription account from the information of the PB customer among the employee information managing the new subscription account or the new subscription fee account Alternatively, the new subscription cost account profitability information is checked and provided to the information storage unit 2620 and the profitability calculation unit 2615.

The profitability calculation unit 2615 is a subscription account profitability information for the PB customer or a subscription non-account profitability information for the PB customer or transaction profitability information for the PB customer or a new subscription for the PB customer provided by the information checking unit 2610 Profitability is calculated by linking with profitability information for various PB customers including at least one of account profitability information or new subscription cost account information for PB customers, and storing information on the calculated PB customers. Provided to section 2620.

According to the method of the present invention, the profitability calculation unit 2615 is a profitability such as interest income or loan interest income for loan accounts for borrowing deposits for savings accounts or savings accounts from subscription account information for PB customers and receiving interest. It is desirable to calculate the information.

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

In addition, the profitability calculation unit 2615 may include a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an additional service in a subscription fee account information for a PB customer. It is desirable to calculate profitability information such as Korean handling fees.

Herein, the profitability information of the subscription fee for the PB customer includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services. desirable.

In addition, it is preferable that the profitability calculation unit 2615 for the PB customer calculates profitability information such as handling fees for the unpaid deposit in the transaction history.

Here, the transaction profitability information for the PB customer is preferably made including a handling fee for the passbook deposit.

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

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

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

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

According to an exemplary embodiment of the present invention, the information storage unit 2620 stores profitability information provided by the profitability calculation unit 2615 in a D / B provided in the PB customer group profitability calculation server 2310 or calculates the profitability. It is interworked with a separate D / B server having a D / B for storing profitability information provided by the unit 2615 through a communication network.

According to the implementation method of the present invention, the financial system 2350 is linked to the ledger D / B 2650 in the financial system 2350 in connection with the PB customer group profitability calculation server 2310 PB customer A function for providing to the group profit calculation server 2310 is provided, and a detailed description of the internal configuration has been described with reference to FIG.

Further, the ledger information for the ledger D / B 2650 of the financial system 2350 has more information than the information shown in the ledger D / B 2650 of the financial system 2350 shown in FIG. Only the information for calculating customer group profitability is shown.

Fig. 27 shows the profitability information of subscription accounts for PB customers, profitability information for subscription accounts for PB customers, transaction profitability information for PB customers, and new information for 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 subscription account profitability information and new subscription non-account profitability information for PB customers is illustrated.

More specifically, FIG. 27 shows the ledger information from the ledger D / B 2650 of the financial system 2350 shown in FIG. 23 and the PB customer through the PB customer group profitability calculation server 2310 shown in FIG. The above five conditions of the Group (subscription account profitability information for PB customers, subscription cost account profitability information for PB customers, transaction profitability information for PB customers, new subscription account profitability information for PB customers, and new subscription account accounts for PB customers Profitability information) to check the profitability information, and to store and register in the D / B of the PB customer group profitability calculation server 2310, if the person having ordinary knowledge in the field of the present invention, this figure 27 With reference to the various implementation methods of the system for calculating the profitability of the PB customer group can be inferred, the present invention is not limited to this figure 27, and includes all the implementation methods inferred The.

Hereinafter, in FIG. 27, the PB customer group profitability calculation server 2310 shown in FIG. 26 is referred to as a "server" for convenience.

Referring to FIG. 27A, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 2650 for calculating the profitability to the server. In response, the financial system 2350 provides the ledger information of the ledger D / B 2650 to the server (2700a).

Here, the ledger information means customer information stored in the ledger D / B 2650 of the financial system 2350, registered account information associated with the customer information, and employee information in charge of the registered account. desirable.

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts subscription account information from the ledger information, and extracts information on the PB customer group from the subscription account information (2705a).

If information on groups other than the PB customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 2710a.

Thereafter, the server calculates the profitability of the subscription account corresponding to the PB customer group (2715a), and stores and registers the calculated profitability information in the server D / B (2720a).

In this case, the subscription account profitability information for the PB customer preferably includes at least one of the unpaid deposit fee, the interest interest on the loan for the loan account, and the like.

Referring to FIG. 27B, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 2650 to the server for calculating profitability. In response, the financial system 2350 provides the ledger information of the ledger D / B 2650 to the server (2700b).

Here, the ledger information means customer information stored and registered in the ledger D / B 2650 of the financial system 2350, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account. desirable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts the subscription ratio account information from the ledger information and extracts the information about the PB customer group from the subscription ratio account information (2705b).

If information about groups other than the PB customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 2710b.

Thereafter, the server calculates the profitability of the subscription fee account corresponding to the PB customer group (2715b), and stores and registers the calculated profitability information in the server D / B (2720b).

Herein, the profitability information of the subscription fee for the PB customer includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services. desirable.

Referring to FIG. 27C, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 2650 for calculating the profitability to the server. In response, the financial system 2350 provides the ledger information of the ledger D / B 2650 to the server (2700c).

Here, the ledger information means customer information stored and registered in the ledger D / B 2650 of the financial system 2350, transaction history information associated with the customer information, and employee information in charge of the transaction details. desirable.

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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts transaction history information from the ledger information and extracts information on the PB customer group from the transaction history information (2705c).

If information about groups other than the PB customer group is extracted from the subscription account information, processing is performed by referring to the information shown in the other drawings of the present invention according to each group, and in FIG. Process only 2710c.

Thereafter, the server calculates the profitability of the transaction history corresponding to the PB customer group (2715c), and stores and registers the calculated profitability information in the server D / B (2720c).

* Here, it is preferable that the transaction profitability information for the PB customer includes a handling fee for unpaid deposit.

Referring to FIG. 27D, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 2650 for calculating the profitability to the server. In response, the financial system 2350 provides the ledger information of the ledger D / B 2650 to the server (2700d).

Here, the ledger information means customer information stored and registered in the ledger D / B 2650 of the financial system 2350, new subscription account information associated with customer information, and employee information in charge of the new subscription account. It is desirable to.

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts the new subscription account information from the ledger information and extracts information about the PB customer group from the new subscription account information (2705d).

If information about groups other than the PB customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 2710d.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the PB customer group (2715d), and stores and registers the calculated profitability information in the server D / B (2720d).

Here, the profitability information of the new subscription account for the PB customer is the potential interest profitability or the new interest loan on the new loan or savings account or the potential interest profitability for the new loan. It is preferable to include at least one or more loan handling fees for.

Referring to FIG. 27E, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 2650 for calculating the profitability to the server. In response, the financial system 2350 provides the ledger information of the ledger D / B 2650 to the server (2700e).

Here, the ledger information means customer information stored and registered in the ledger D / B 2650 of the financial system 2350, new subscription fee information associated with customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

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

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

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

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts the new subscription fee account information from the ledger information, and extracts information about the PB customer group from the new subscription fee account information (2705e).

If information on groups other than the PB customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only part is processed (2710e).

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the PB customer group (2715e), and stores and registers the calculated profitability information in the server D / B (2720e).

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

Figure 28 shows the system configuration for calculating the profitability of the special customer service staff according to the embodiment of the present invention.

More specifically, Figure 28 shows customer information (e.g. social security number, etc.), one or more subscription account information (e.g., savings account, savings account, etc.) or subscription account information (e.g., foreign exchange products (heritage) Such as import and export trade products, etc.), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), employee information in charge of subscription accounts or subscription accounts, Extract the transaction information for a certain period of time associated with the customer information, the employee information in charge of the transaction history, new subscription account information or new subscription account information, new subscription account information or new subscription account information, The internal configuration of the system for calculating profitability for each employee of a window for a special customer group by extracting information about the special customer from the extracted information is illustrated. Those skilled in the art can infer various implementation methods of the system for calculating the profitability of the special customer group with reference to this drawing 28, but the present invention is not limited to this drawing 28, the analogy Includes all 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

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

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

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

In addition, the transaction details, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

* According to the implementation method of the present invention, the profitability calculation system of the employee of the special customer service desk calculates the profitability calculation by the account product or the non-account product of the special customer group or the profitability calculation by the transaction history of the special customer group or the special customer group Special customer group profitability calculation server 2315 for calculating the profitability of joining a new account product or a new non-account product of It is characterized in that it comprises a financial system 2350 for providing at least one or more financial transactions (for example, credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) services.

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 2315 is customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, employee information in charge of the subscription account or subscription fee account, the customer information linked The transaction history, the employee information in charge of the transaction history, the new subscription account information or the new subscription fee account information is extracted from the financial system 2350 for a predetermined period of time. It is preferable to check the method, and those skilled in the art to which the present invention pertains, the cost for the employee in charge of the special customer in the method of confirming the profitability of the special customer group with reference to this figure 28 (for example, Various information for calculating profitability of special customer groups such as employee wages, etc. may be added. The cost factor is omitted because it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

The special customer group profitability calculation server 2315 may include a D / B for storing profitability calculation results of the special customer group for each channel or employee, or a D / B for storing profitability calculation results for the special customer group for each channel or employee. Interworking with a separate D / B server having a B and a communication network.

Referring to FIG. 28, the special customer group profitability calculation server 2315 receives information from the ledger D / B 2850 in association with the external system of the financial system 2350 (or 2800) (or Information receiving means), an information extracting unit 2805 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 2850, and profitability information among information extracted from the ledger D / B 2850; Information confirmation unit 2810 (or information confirmation means) for confirming, a profitability calculation unit 2815 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B And an information storage unit 2820 (or information storage means).

Here, the ledger D / B 2850 is a D / B provided in the financial system 2350. The ledger D / B 2850 includes customer information, account information, and non-account required for calculating profitability for a special customer group. It is preferable to include information, staff information, transaction history information.

According to the embodiment of the present invention, the information receiving unit 2800 is the customer information, the account information and account employee information subscribed to the customer, or the non-account information and non-account employee information subscribed to the customer or the customer transactions Employee information that processed a transaction and transaction, or new account information and new account holder information for a new account, or a new member account information and a new member account information. Receiving the ledger information from the ledger D / B (2850) in association with the external system of the financial system 2350 is provided to the information extraction unit (2805).

Here, the ledger information includes customer information, account information, non-account information, employee information, transaction history information requested from the special customer group profitability calculation server 2315 to the financial system 2350 in order to calculate profitability for the special customer group. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information extracting unit 2805 may include the customer information received from the information receiving unit 2800, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extract the information on the special customer from the employee information in charge of the information provided to the information verification unit 2810, or the customer information received from the information receiving unit 2800, for a predetermined period associated with the customer information Transaction information, and extracts the information about the special customer from the employee information in charge of the transaction history to the information verification unit 2810, or the customer information received from the information receiving unit 2800 and the customer information; The information on the special customer among the linked new subscription account information or new subscription fee account information, employee information managing the new subscription account or new subscription fee account. Extracts and provides it to the information checking unit 2810.

According to the exemplary embodiment of the present invention, the information checking unit 2810 may include the customer information extracted by the information extracting unit 2805, one or more subscription account information or subscription non-account information associated with the customer information, the subscription account or subscription account. Among the employee information that is in charge of the customer account information from the subscription account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 2805, transaction history for a certain period associated with the customer information, The transaction profitability information from the information on the special customer among the employee information in charge of the transaction history, the customer information extracted from the information extraction unit 2805, new subscription account information or new subscription account information associated with the customer information, The number of new subscription accounts from the information on special customers among the employee information managing the new subscription account or the new subscription fee account. Determine the configuration information or new subscription account profitability information will be available in the information storage unit (2820) and the margins of the calculation unit (2815).

The profitability calculation unit 2815 is a subscription account profitability information for a special customer provided by the information verification unit 2810 or a non-account profitability information for a special customer or a transaction profitability information for a special customer or a new subscription for a special customer. Profitability is calculated by linking profitability information for various special customers including at least one of account profitability information or new subscription non-account profitability information for special customers, and storing the calculated profitability information for the special customers. Provided to section 2820.

According to the implementation method of the present invention, the profitability calculation unit 2815 borrows a deposit on a savings account or a savings account from the subscription account information for a special customer and receives profits such as interest income or loan interest income on a loan account. It is desirable to calculate the information.

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

In addition, the profitability calculation unit 2815 may include a handling fee for a foreign exchange commodity transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an incidental service in a subscription fee account information for a special customer. It is desirable to calculate profitability information such as Korean handling fees.

The profitability information of the subscription fee for the special customer may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a security, or a handling fee for ancillary services. desirable.

In addition, it is preferable that the profitability calculation unit 2815 for the special customer calculates profitability information such as handling fees for the unpaid deposit in the transaction history.

Here, the transaction profitability information for the special customer is preferably made including a handling fee for the passbook deposit.

In addition, the new subscription account profitability information for the special customer is the potential interest profitability and new loans for the potential interest profitability or new loan loans that can be borrowed and receive interest on the newly registered savings account or newly registered savings account It is desirable to calculate profitability information, such as loan handling fees.

Here, the profitability information of the new subscription account for the special customer is a potential interest profitability or a new interest loan for a new loan or savings account or a new interest saving account, and a potential interest profitability or loan for a new loan. It is preferable to include at least one or more loan handling fees for.

In addition, the profitability information of the new subscription fee for the special customer may include a handling fee according to a new foreign exchange transaction, a handling fee for joining a new derivative, a potential operation fee for joining a new derivative, or a handling fee for a new securities transaction. It is desirable to calculate profitability information.

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

According to an embodiment of the present invention, the information storage unit 2820 stores the profitability information provided by the profitability calculation unit 2815 in a D / B provided in the special customer group profitability calculation server 2315 or calculates the profitability. Interworking with a separate D / B server having a D / B for storing the profitability information provided by the unit 2815 through a communication network.

According to the implementation method of the present invention, the financial system 2350 is linked with the special customer group profitability calculation server 2315, the ledger information in conjunction with the ledger D / B 2850 in the financial system 2350 special customers A function for providing to the group profitability calculation server 2315 is provided, and a detailed description of the internal configuration has been described with reference to FIG.

Further, the ledger information for the ledger D / B 2850 of the financial system 2350 has more information than the information shown in the ledger D / B 2850 of the financial system 2350 shown in FIG. Only the information for calculating customer group profitability is shown.

Fig. 29 shows the profitability information of a subscription account for a special customer, the profitability information of a subscription fee for a special customer, the profitability of a transaction for a special customer, and the new customer for a special customer 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 at least one subscription account profitability information and at least one new subscription fee account profitability information for special customers.

More specifically, the drawing 29 obtains the ledger information from the ledger D / B 2850 of the financial system 2350 shown in the drawing 23, and the special customer through the special customer group profitability calculation server 2315 shown in the drawing 28. The above five conditions of the Group (subscription account profitability information for special customers, subscription account profitability information for special customers, transaction profitability information for special customers, new subscription account profitability information for special customers, new subscription account accounts for special customers) Profitability information) to check the profitability information and to store and register in the D / B of the special customer group profitability calculation server 2315, if the person having ordinary knowledge in the field of the present invention, this figure 29 With reference to the various implementation methods of the system for calculating the profitability of the special customer group may be inferred, but the present invention is not limited to this figure 29, it is inferred above Includes all implementation methods.

Hereinafter, in FIG. 29, the special customer group profitability calculation server 2315 shown in FIG. 28 is referred to as "server" for convenience.

Referring to FIG. 29A, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 2850 to calculate the profitability to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 2850 to the server (2900a).

Here, the ledger information means customer information stored and registered in the ledger D / B 2850 of the financial system 2350, subscription account information associated with the customer information, and employee information in charge of the subscription account. desirable.

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts subscription account information from the ledger information, and extracts information about a special customer group from the subscription account information (2905a).

If information about groups other than the special customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 2910a.

Thereafter, the server calculates the profitability of the subscription account corresponding to the special customer group (2915a), and stores and registers the calculated profitability information in the server D / B (2920a).

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

Referring to FIG. 29B, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 2850 to calculate the profitability to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 2850 to the server (2900b).

Here, the ledger information means customer information stored and registered in the ledger D / B 2850 of the financial system 2350, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account. desirable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts the subscription ratio account information from the ledger information and extracts the information on the special customer group from the subscription ratio account information (2905b).

If information on groups other than the special customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 2910b.

Thereafter, the server calculates the profitability of the subscription fee account corresponding to the special customer group (2915b), and stores and registers the calculated profitability information in the server D / B (2920b).

The profitability information of the subscription fee for the special customer may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a security, or a handling fee for ancillary services. desirable.

Referring to FIG. 29C, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 2850 for calculating the profitability to the server. In response, the financial system 2350 provides the ledger information of the ledger D / B 2850 to the server (2900c).

Here, the ledger information means customer information stored and registered in the ledger D / B 2850 of the financial system 2350, transaction history information associated with the customer information, and employee information in charge of the transaction details. desirable.

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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts transaction history information from the ledger information and extracts information about a special customer group from the transaction history information (2905c).

If information on groups other than the special customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 2910c.

Thereafter, the server calculates the profitability of the transaction history corresponding to the special customer group (2915c), and stores and registers the calculated profitability information in the server D / B (2920c).

Here, the transaction profitability information for the special customer is preferably made including a handling fee for the passbook deposit.

Referring to FIG. 29D, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 2850 for calculating the profitability to the server. In response, the financial system 2350 provides the ledger information of the ledger D / B 2850 to the server (2900d).

Here, the ledger information means customer information stored and registered in the ledger D / B 2850 of the financial system 2350, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. It is desirable to.

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts new subscription account information from the ledger information and extracts information on a special customer group from the new subscription account information (2905d).

If information on groups other than the special customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 2910d.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the special customer group (2915d), and stores and registers the calculated profitability information in the server D / B (2920d).

The profitability information of the new subscription account for the special customer may be applied to the potential interest profitability or the new interest loan on the new loan or savings account or the new interest saving account. It is preferable to include at least one or more loan handling fees.

Referring to FIG. 29E, the server connects to the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 2850 for calculating the profitability to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 2850 to the server (2900e).

Here, the ledger information means customer information stored and registered in the ledger D / B 2850 of the financial system 2350, new subscription fee information associated with customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

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

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

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

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts the new subscription ratio account information from the ledger information and extracts the information about the special customer group from the new subscription ratio account information (2905e).

If information about groups other than the special customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 2910e.

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the special customer group (2915e), and stores and registers the calculated profitability information in the server D / B (2920e).

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

30 shows a system configuration for calculating the profitability of the employee of the enterprise customer service desk according to the embodiment of the present invention.

More specifically, Figure 30 shows customer information (eg, social security number, etc.), one or more subscription account information (eg, savings account, savings account, etc.) or subscription cost account information (eg, foreign exchange product (heritage) for calculating profitability of the corporate customer group. Such as import and export trade products, etc.), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), employee information in charge of subscription accounts or subscription accounts, Extract the transaction information for a certain period of time associated with the customer information, the employee information in charge of the transaction history, the new subscription account information or the new subscription account information, the new subscription account information or the new subscription account information The internal configuration of the system for calculating profitability for each employee of a window for a corporate customer group is extracted by extracting information about a corporate customer from the extracted information. Those skilled in the art will be able to infer various implementation methods of the system for calculating profitability of the corporate customer group with reference to this drawing 30. However, the present invention is not limited to this drawing 30. Includes all 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

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

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

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

In addition, the transaction details, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

* According to the implementation method of the present invention, the profitability calculation system of the employee of the corporate customer service desk calculates the profitability calculation by the account product or non-account product of the corporate customer group or the profitability calculation by the transaction history of the corporate customer group or the corporate customer group Corporate customer group profitability calculation server 2315 for calculating the profitability of joining a new account product or a new non-accounting product, and at least one face-to-face or non-face-to-face financial transaction channel provided at a branch (or branch) of a financial institution. It is characterized in that it comprises a financial system 2350 for providing at least one or more financial transactions (for example, credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) services.

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 2315 is customer information, at least one subscription account information or at least one subscription cost information associated with the customer information, employee information in charge of the subscription account or subscription fee account, the customer information linked Extracted from the financial system 2350, the transaction information, the employee information, the new subscription account information or the new subscription cost information for a certain period of time, and the profitability of the corporate customer group for each employee according to the employee information The method of checking is preferable, and if the person having ordinary knowledge in the field to which the present invention belongs, the cost for the employee in charge of the corporate customer in the method of confirming the profitability of the corporate customer group with reference to this drawing 30 (eg, A variety of information for calculating profits of corporate customer groups such as employee wages, etc. can be added. Elements of the costs will be omitted because it was not used in calculating profitability city.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

The corporate customer group profitability calculation server 2315 may include a D / B for storing profitability calculation results of the company customer group for each channel or employee, or a D / B for storing profitability calculation results for the corporate customer group for each channel or employee. Interworking with a separate D / B server having a B and a communication network.

Referring to FIG. 30, the corporate customer group profitability calculation server 2315 receives an information receiver 3000 (or information) for receiving information from the ledger D / B 3050 in association with the external system of the financial system 2350. Receiving means), an information extracting unit 3005 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 3050, and profitability information among the information extracted from the ledger D / B 3050. Information confirmation unit 3010 (or information confirmation means) to check, the profitability calculation unit 3015 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B And an information storage unit 3020 (or information storage means).

Here, the ledger D / B 3050 is a D / B provided in the financial system 2350, and the ledger D / B 3050 includes customer information, account information, and non-account required for calculating profitability for the corporate customer group. It is preferable to include information, staff information, transaction history information.

According to the embodiment of the present invention, the information receiving unit 3000 is the customer information, the account information and the account staff information subscribed to the customer, or the non-account information and non-account staff information or the customer account information subscribed to the customer or the customer transactions Employee information that processed a transaction and transaction, or new account information and new account holder information for a new account, or a new member account information and a new member account information. Receives the ledger information from the ledger D / B (3050) in association with the external system of the financial system 2350 is provided to the information extraction unit 3005.

Here, the ledger information includes customer information, account information, non-account information, employee information, transaction history information requested by the corporate customer group profitability calculation server 2315 from the corporate customer group profitability calculation server 2315 to the financial system 2350. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information extracting unit 3005 may include the customer information received from the information receiving unit 3000, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extract the information on the corporate customer from the employee information in charge of the information provided to the information check unit 3010, or the customer information received by the information receiving unit 3000, for a predetermined period associated with the customer information Transaction information, and extracts the information about the corporate customer from the employee information in charge of the transaction history provided to the information verification unit 3010, or the customer information received from the information receiving unit 3000 and the customer information The information on the corporate customer among linked new subscription account information or new subscription cost account information, and employee information managing the new subscription account or new subscription fee account. Extracts and provides it to the information checking unit 3010.

According to an exemplary embodiment of the present invention, the information checking unit 3010 may include the customer information extracted from the information extracting unit 3005, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Among the employee information that is in charge of the account account profitability information or non-account profitability information, or the customer information extracted from the information extraction unit 3005, transaction history for a certain period associated with the customer information, Among the employee information in charge of the transaction details, the transaction profitability information from the information on the corporate customer, or the customer information extracted from the information extraction unit 3005, new subscription account information or new subscription account information associated with the customer information, The number of new subscription accounts from information on corporate customers among the employee information managing the new subscription account or the new subscription fee account. Determine the configuration information or new subscription account profitability information will be available in the information storage unit 3020 and the profitability of the calculating unit (3015).

The profitability calculation unit 3015 is a subscription account profitability information for the corporate customer or subscription non-account profitability information for the corporate customer provided by the information verification unit 3010 or transaction profitability information for the corporate customer or a new subscription to the corporate customer Profitability is calculated by linking profitability information of various corporate customers including at least one of account profitability information or new subscription non-account profitability information of corporate customers, and storing the profitability information of the calculated corporate customers. Provided to section 3020.

According to an embodiment of the present invention, the profitability calculation unit 3015 borrows a deposit for a savings account or a savings account from subscription account information for a corporate customer and receives interest, such as interest income or loan interest income for a loan account. It is desirable to calculate profitability information.

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

In addition, the profitability calculation unit 3015 may include a handling fee for a foreign exchange commodity transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an additional service in a subscription fee account information for a corporate customer. It is desirable to calculate profitability information such as Korean handling fees.

The profitability information of the subscription fee for the corporate customer may include at least one of a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a security, or a handling fee for ancillary services. desirable.

In addition, it is preferable that the profitability calculation unit 3015 for the corporate customer calculates profitability information such as handling fees for the unpaid deposit in the transaction history.

Here, the transaction profitability information for the corporate customer is preferably made including a handling fee for the passbook deposit.

In addition, the profitability information of the new subscription account for the corporate customer is the potential interest profitability and new loans for the potential interest profitability or new loans that can be borrowed and receive interest on the savings account or newly registered savings account It is desirable to calculate profitability information, such as loan handling fees.

Here, the profitability information of the new subscription account for the corporate customer is a potential interest profitability or a new interest loan for a new loan or savings account or a new interest savings account and the potential interest profitability or loan for the new loan. It is preferable to include at least one or more loan handling fees for.

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

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

According to an exemplary embodiment of the present invention, the information storage unit 3020 stores profitability information provided by the profitability calculation unit 3015 in a D / B provided in the corporate customer group profitability calculation server 2315 or calculates the profitability. It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 3015 through a communication network.

According to an embodiment of the present invention, the financial system 2350 is linked to the corporate customer group profitability calculation server 2315 and the ledger information is linked to the ledger D / B 3050 in the financial system 2350. A function for providing to the group profitability calculation server 2315 is provided, and a detailed description of the internal configuration has been described with reference to FIG.

Further, the ledger information for the ledger D / B 3050 of the financial system 2350 includes more information than the information shown in the ledger D / B 3050 of the financial system 2350 shown in FIG. Only the information for calculating customer group profitability is shown.

Figure 31 shows the profitability information of the subscription account for the corporate customer, profitability information for the non-account subscription for the enterprise customer, profitability information for the enterprise customer, 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 new subscription account profitability information, new subscription non-account profitability information for the corporate customer.

In more detail, FIG. 31 shows the ledger information from the ledger D / B 3050 of the financial system 2350 shown in FIG. 23, and the corporate customer through the corporate customer group profitability calculation server 2315 shown in FIG. The above five conditions of the group (subscription account profitability information for corporate customers, subscription account profitability information for corporate customers, transaction profitability information for corporate customers, new subscription account profitability information for corporate customers, new subscription account accounts for corporate customers Profitability information) and the process of storing and registering in the D / B of the corporate customer group profitability calculation server 2315, the person having ordinary knowledge in the field of the present invention, this figure 31 By referring to the various implementation methods of the system for calculating the profitability of the corporate customer group can be inferred, the present invention is not limited to this figure 31, it is inferred above Includes all implementation methods.

Hereinafter, in Figure 31, the corporate customer group profitability calculation server 2315 shown in Figure 30 is referred to as "server" for convenience.

Referring to FIG. 31A, the server accesses the financial system 2350 through a predetermined communication network and provides the ledger information of the ledger D / B 3050 of the financial system 2350 for calculating the profitability to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 3050 to the server (3100a).

Here, the ledger information means customer information stored and registered in the ledger D / B 3050 of the financial system 2350, subscription account information associated with the customer information, and employee information in charge of the subscription account. desirable.

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts the subscription account information from the ledger information and extracts the information on the corporate customer group from the subscription account information (3105a).

If information on groups other than the corporate customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 3110a.

Thereafter, the server calculates the profitability of the subscription account corresponding to the corporate customer group (3115a), and stores and registers the calculated profitability information in the server D / B (3120a).

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

Referring to FIG. 31B, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the ledger D / B 3050 of the financial system 2350 for calculating the profitability to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 3050 to the server (3100b).

Here, the ledger information means customer information stored and registered in the ledger D / B 3050 of the financial system 2350, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account. desirable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts the subscription ratio account information from the ledger information and extracts the information about the corporate customer group from the subscription ratio account information (3105b).

If information on groups other than the corporate customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 3110b.

Thereafter, the server calculates the profitability of the subscription fee account corresponding to the corporate customer group (3115b), and stores and registers the calculated profitability information in the server D / B (3120b).

The profitability information of the subscription fee for the corporate customer may include at least one of a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a security, or a handling fee for ancillary services. desirable.

Referring to FIG. 31C, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the ledger D / B 3050 of the financial system 2350 for calculating the profitability to the server. In response, the financial system 2350 provides the ledger information of the ledger D / B 3050 to the server (3100c).

Here, the ledger information means customer information stored and registered in the ledger D / B 3050 of the financial system 2350, transaction history information associated with the customer information, and employee information in charge of the transaction details. desirable.

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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts transaction history information from the ledger information, and extracts information about a group of corporate customers from the transaction history information (3105c).

If information on groups other than the corporate customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 3110c.

Thereafter, the server calculates the profitability of the transaction history corresponding to the corporate customer group (3115c), and stores and registers the calculated profitability information in the server D / B (3120c).

Here, the transaction profitability information for the corporate customer is preferably made including a handling fee for the passbook deposit.

Referring to FIG. 31D, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the ledger D / B 3050 of the financial system 2350 for calculating the profitability to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 3050 to the server (3100d).

Here, the ledger information means customer information stored and registered in the ledger D / B 3050 of the financial system 2350, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. It is desirable to.

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts the new subscription account information from the ledger information and extracts information about the corporate customer group from the new subscription account information (3105d).

If information on groups other than the corporate customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 3110d.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the corporate customer group (3115d), and stores and registers the calculated profitability information in the server D / B (3120d).

Here, the profitability information of the new subscription account for the corporate customer is related to the potential interest profitability that can be borrowed and receive interest on the newly registered savings account or the newly registered savings account, or the potential interest profitability on the new loan or the new loan. It is preferable to include at least one or more loan handling fees.

Referring to FIG. 31E, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the ledger D / B 3050 of the financial system 2350 for calculating the profitability to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 3050 to the server (3100e).

Here, the ledger information means customer information stored and registered in the ledger D / B 3050 of the financial system 2350, new subscription fee information associated with customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

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

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

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

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

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

When the ledger information is provided from the financial system 2350 as described above, the server extracts the new subscription fee account information from the ledger information, and extracts information about the corporate customer group from the new subscription fee account information (3105e).

If information on groups other than the corporate customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 3110e.

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the corporate customer group (3115e), and stores and registers the calculated profitability information in the server D / B (3120e).

Herein, the profitability information of the new subscription fee for the corporate customer includes a handling fee for a new foreign exchange product transaction, a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is preferable to comprise at least one or more.

32 shows a system configuration for calculating the profitability of the employee of the general financial window according to the embodiment of the present invention.

In more detail, Figure 32 shows employee information, investment finance associated with the employee information, international finance, Asset-Backed Securities (ABS), SOC (Social Overhead Capital), restructuring, real estate, etc. Profitability information is identified by extracting only information corresponding to the comprehensive financial group from investment information, credit management information, or procurement information, including one or more, and based on the identified profitability information, As the internal configuration of the system for calculating profitability for each employee is shown, those of ordinary skill in the field of the present invention infer various implementation methods of the system for calculating profitability of the comprehensive financial group with reference to FIG. As will be appreciated, the present invention is not limited to this drawing 32 and includes all the inferred implementation methods.

In this case, the investment financing preferably includes at least one item such as won loans or foreign currency loans or payment guarantees so as to lend necessary funds or make credit transactions to those who buy securities.

In addition, the international financing is related to the distribution of funds between countries, and foreign currency loans, payment guarantees, equity investments, etc. It is preferable to include at least one item of.

In addition, the ABS refers to bonds issued as collateral for various types of assets including corporate real estate, and according to the method of investing in bonds, such as C / L agreement, CP (Commercial paper) purchase agreement, equity investment, etc. It is preferred to include at least one item.

In addition, the C / L means the amount of capital equipment per worker, that is, tangible fixed assets per worker.

In addition, the CP means a note issued by a company with a good credit status for the purpose of raising short-term funds, unlike notes issued and plied with commerce.

In addition, the SOC (= social overhead capital) is a social infrastructure that is not directly used for production activities but is essential for smooth economic activities, and is used for won loans or equity investment for investment in social overhead capital. It is preferable to include at least one item of.

In addition, the restructuring is to increase the efficiency by reorganizing the unreasonable structure of the company, it is preferable to include items such as investment return through the improvement of the corporate structure by investing in the company under restructuring.

In addition, the real estate preferably comprises at least one or more items such as won loans or equity investment in real estate as collateral.

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

According to the method of the present invention, the system for calculating the profitability of the employees of the general financial window is based on investment financial or international financial or Asset-Backed Securities (ABS) or Social Overhead Capital (SOC) or restructuring or real estate of the general financial group. Profitability calculation by the Financial Services Group or the branch (or branch) of the financial institution, for profitability calculation by the credit management information of the General Financial Group or the profitability calculation by the credit management information of the General Financial Group or the procurement information of the General Financial Group. And a financial system 2350 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 done.

The comprehensive financial group profitability calculation server 2325 includes one or more employee information, investment finance or international finance associated with the employee information, or asset-backed securities (ABS) or social overhead capital (SOC) or restructuring or real estate. Extracting investment information, credit management information, or procurement information from the financial system 2350 to determine the profitability of the comprehensive financial group for each employee based on the employee information, and in the field to which the present invention pertains. Those skilled in the art can refer to FIG. 32 to calculate the profitability of the comprehensive financial group, such as the expenses (e.g., employee wages, etc.) for the employees belonging to the comprehensive financial group in the method of confirming the profitability of the comprehensive financial group. Although various information may be added for the purpose of the present invention, in FIG. 32, the factor of the employee's cost is not used to calculate profitability. Omitted.

Here, the information on employee's expenses can be invested in investment finance or international finance or asset-backed securities (ABS) or social overhead capital (SOC) or restructuring or real estate, or in charge of credit management or sourcing. It is preferable to mean the costs such as direct and indirect costs for employees.

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 comprehensive financial group profitability calculation server 2325 includes a D / B for storing the profitability calculation results of the comprehensive financial group for each employee or a separate D / B for storing the profitability calculation results for the comprehensive financial group for each employee. Interlocked with D / B server and communication network.

Referring to FIG. 32, the comprehensive financial group profitability calculation server 2325 receives an information receiver 3200 (or information) for receiving information from the ledger D / B 3250 in association with the external system of the financial system 2350. Receiving means), information extracting unit 3205 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 3250, and profitability information among the information extracted from the ledger D / B 3250. The information checking unit 3210 (or information checking means) for checking, the profitability calculating unit 3215 (or profitability calculating means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B. An information storage unit 3220 (or information storage means) is provided.

Here, the ledger D / B 3250 is a D / B provided in the financial system 2350. The ledger D / B 3250 includes employee information, investment information, and credit information necessary for calculating profitability for the comprehensive financial group. It is preferable that the reception information is included.

According to the embodiment of the present invention, the information receiving unit 3200 is one of the employee information, investment finance or international finance associated with the employee information or Asset-Backed Securities (ABS) or SOC (Social Overhead Capital) or restructuring or real estate, etc. Receiving ledger information from the ledger D / B 3250 in connection with the external system of the financial system 2350, including investment information, credit management information, or receiving procurement information including the above. It is provided to the information extraction part 3205.

Here, the ledger information is the employee information requested from the comprehensive financial group profitability calculation server 2325 to the financial system 2350, the investment information associated with the employee information, credit management information, receiving procurement to calculate the profitability for the comprehensive financial group. It is preferable to include information.

According to the exemplary embodiment of the present invention, the information extracting unit 3205 may include the employee information received from the information receiving unit 3200, investment finance or international finance or asset-backed securities (ABS) or SOC (associated with the employee information). Extract information about the comprehensive financial group from the investment information including one or more in social overhead capital or restructuring or real estate, and provide the information to the information verification unit 3210 or the employee information and the employee information. Extract information about the comprehensive financial group from the credit management information and provide it to the information verification unit 3210, or extract information on the comprehensive financial group from the reception information associated with the employee information and the employee information. Provided to the identification unit 3210.

According to the exemplary embodiment of the present invention, the information checking unit 3210 may include the employee information provided by the information extracting unit 3205, investment finance or international finance or asset-backed securities (ABS) or SOC associated with the employee information. Profitability information of the comprehensive financial group from investment information including one or more of social overhead capital or restructuring or real estate, or from the employee information, credit management information linked to the employee information, Alternatively, the profitability information of the general financial group is identified from the employee information and the reception procurement information associated with the employee information, and provided to the profitability calculation unit 3215.

The profitability calculation unit 3215 may include at least one of investment financing or international finance or asset-backed securities (ABS) or social overhead capital (SOC) or restructuring or real estate for the comprehensive financial group provided by the information checking unit 3210. Profitability is calculated by linking with profitability information that confirms profitability information such as investment profitability information that confirmed one or more profitability information or credit management information for the general financial group, or receiving profitability information that checks the profitability information from the procurement information for the comprehensive financial group. It characterized in that, and provides the information storage unit 3220 profitability information for the calculated comprehensive financial group.

According to an exemplary embodiment of the present invention, the profitability calculator 3215 may include investment finance or international finance or asset-backed securities (ABS) or SOC (Social Overhead Capital) for a comprehensive financial group provided by the information checking unit 3210. Or calculating profitability in connection with profitability information of the general financial group including at least one of the profitability information of the investment in which at least one profitability information has been confirmed in restructuring or real estate. It is desirable to calculate profitability information.

In this case, it is preferable that the investment finance profitability information for the comprehensive financial group includes handling fees, potential interest income, and potential investment return for providing services such as won loans, foreign currency loans and payment guarantees.

In addition, the international financial profitability information for the comprehensive financial group is preferably made, including handling fees, potential interest income, potential investment return for providing services such as foreign currency loans, payment guarantees, equity investment.

In addition, the profitability information of the asset-backed securities (ABS) for the financial group includes handling fees, potential interest income, and potential return on investment to provide services such as C / L agreements, commercial paper purchase agreements, and equity investments. It is preferable to include such as.

In addition, SOC (Social Overhead Capital) profitability information for the comprehensive financial group includes handling fees, potential interest income, potential investment return, etc. to provide services such as won loans and equity investment for investment in infrastructure. It is preferable to make it.

In addition, the restructuring profitability information for the comprehensive financial group is preferably made, including the potential return on investment through equity investment in the company under restructuring.

In addition, the real estate profitability information for the comprehensive financial group includes a handling fee, potential interest income, rental income from real estate lease, etc., to provide services such as loans or equity investment in real estate as collateral for real estate. desirable.

In addition, the profitability calculation unit 3215 calculates profitability in connection with profitability information for the general financial group including at least one credit profitability information in which at least one profitability information has been identified in the credit management information for the general financial group. desirable.

Here, the profitability information of the general financial group may include interest income or potential interest income by won loans, interest income or potential interest income by foreign currency loans, and the like.

In addition, the profitability calculation unit 3215 calculates profitability by linking with profitability information of the general financial group including at least one received profitability information in which at least one profitability information is identified in the reception procurement information of the general financial group. desirable.

In this case, the received profitability information for the comprehensive financial group may include potential profitability information that can generate profits by using won deposits, closing payments, trust deposits, etc. in credit management.

According to the exemplary embodiment of the present invention, the information storage unit 3220 stores the profitability information provided by the profitability calculation unit 3215 in a D / B provided in the comprehensive financial group profit calculation server 2325 or calculates the profitability. It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 3215 through a communication network.

According to the implementation method of the present invention, the financial system 2350 is integrated with the general financial group profitability calculation server 2325 in association with the general ledger D / B (3250) in the financial system 2350 comprehensive financial information A function for providing to the group profitability calculation server 2325 is provided, and a detailed description of the internal configuration has been described with reference to FIG.

Further, the ledger information for the ledger D / B 3250 of the financial system 2350 has more information than the information shown in the ledger D / B 3250 of the financial system 2350 shown in FIG. Only the information for financial group profitability calculations is shown.

33 is a comprehensive financial group profitability calculation comprising at least one of investment profitability information, credit profitability information, receiving profitability information for the comprehensive financial group to calculate profitability for each employee in the comprehensive financial group according to an embodiment of the present invention; The operating flow of the system is shown.

33 shows the general ledger information from the general ledger D / B 3250 of the financial system 2350 shown in FIG. 23 and through the comprehensive financial group profitability calculation server 2325 shown in FIG. Comprehensive financial group profitability calculation server (2325) by checking profitability information on the above three conditions (investment profitability information for comprehensive financial group, credit profitability information for comprehensive financial group, and received profitability information for comprehensive financial group) The process of storing and registering in the D / B of the present invention, those of ordinary skill in the field to which the present invention belongs, will be able to infer various implementation methods of the system for calculating the profitability of the comprehensive financial group with reference to FIG. As will be appreciated, the invention is not limited to this drawing 33 and includes all implementation methods inferred above.

Hereinafter, in FIG. 33, the comprehensive financial group profitability calculation server 2325 shown in FIG. 32 is referred to as "server" for convenience.

Referring to FIG. 33A, the server accesses the financial system 2350 through a predetermined communication network and provides the ledger information of the ledger D / B 3250 of the financial system 2350 for calculating the profitability to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 3250 to the server (3300a).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is stored in the ledger D / B (3250) of the financial system 2350, registered employee information, investment financial information associated with employee information, international financial information, ABS (Asset-Backed Securities) information, It is preferable to include at least one or more investment information invested in SOC information, restructuring information, real estate information and the like.

In addition, the investment financial information is preferably made of at least one or more loans or foreign currency loans or payment guarantees so as to lend necessary funds or credit transactions to those who buy securities.

In addition, the above international financial information relates to the distribution of funds between countries, and foreign currency loans, payment guarantees, equity investments for goods and services transactions such as commodity trade and for loans required for government loans, private loans, and foreign debts. It is preferable to include at least one.

In addition, the ABS (Asset-Backed Securities) refers to a bond issued as collateral for various types of assets, including real estate of the company, according to the method of investing in the bond, the purchase of C / L agreement, CP (Commercial paper) It is preferable to include at least one agreement or equity investment.

In addition, the C / L is preferably the amount of capital equipment per worker, that is, tangible fixed assets per worker.

In addition, it is preferable that the CP means a promissory note issued by a company having a good credit status for the purpose of procuring short-term funds, unlike notes issued and plied with commerce.

In addition, the SOC (= social overhead capital) is a social infrastructure that is not directly used for production activities but is essential for smooth economic activities, and is used for won loans or equity investment for investment in social overhead capital. It is preferable to comprise at least one or more.

In addition, the restructuring is to increase the efficiency by reorganizing the unreasonable structure of the company, it is preferable to mean the return on investment through the improvement of the corporate structure by investing in the company under restructuring.

In addition, the real estate preferably refers to items such as won loans or equity investment in real estate as collateral.

If information on groups other than the comprehensive financial group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only bays are processed (3305a / 1310a).

Thereafter, the server calculates the profitability of the new subscription account corresponding to the comprehensive financial group (3315a), and stores and registers the calculated profitability information in the server D / B (3320a).

In this case, it is preferable that the investment financial profitability information for the comprehensive financial group calculate profitability such as handling fees, potential interest income, and potential investment return to provide services such as won loans, foreign currency loans, payment guarantees, and the like.

In addition, the international financial profitability information for the comprehensive financial group, it is preferable to calculate the profitability, such as handling fees, potential interest income, potential investment return for providing services such as foreign currency loans, payment guarantees, equity investment.

In addition, the profitability information of the asset-backed securities (ABS) for the financial group includes handling fees, potential interest income, and potential return on investment to provide services such as C / L agreements, commercial paper purchase agreements, and equity investments. It is desirable to calculate the profitability of such a product.

* In addition, SOC (Social Overhead Capital) profitability information for the comprehensive financial group includes handling fees, potential interest income, and potential investment return to provide services such as won loans and equity investment for investment in infrastructure. It is desirable to calculate profitability.

In addition, the restructuring profitability information for the comprehensive financial group is preferably calculated to calculate the profitability, such as potential investment return through equity investment in the company under restructuring.

In addition, the real estate profitability information for the comprehensive financial group is to calculate the profitability such as handling fees, potential interest income, rental income from real estate lease by providing real estate as collateral, such as won loans or equity investment in real estate It is preferable.

Referring to FIG. 33B, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 3250 for calculating the profitability to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 3250 to the server (3300b).

* Here, it is preferable that the employee information includes at least one or more information such as employee number, employee ID information, and the like of the employee.

In addition, the ledger information is preferably made of the information stored in the ledger D / B (3250) of the financial system 2350, registered employee information, credit management information associated with the employee information associated with the employee information.

In addition, the credit management information is preferably made of at least one or more interest income or potential interest income by the won loans, interest income or potential interest income by foreign currency loans.

If information on groups other than the comprehensive financial group is extracted from the credit management information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 3305b / 1310b.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the comprehensive financial group (3315b), and stores and registers the calculated profitability information in the server D / B (3320b).

Herein, the credit management information for the comprehensive financial group may calculate profitability such as interest income or potential interest income from won loans, interest income from potential loans, or potential interest income.

Referring to FIG. 33C, the server accesses the financial system 2350 through a predetermined communication network and provides the server with the ledger information of the ledger D / B 3250 of the financial system 2350 for calculating the profitability. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 3250 to the server (3300c).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is preferably made to include the employee information stored and registered in the ledger D / B (3250) of the financial system 2350, the reception procurement information associated with the employee information associated with the employee information.

In addition, the reception procurement information preferably comprises at least one or more potential profitability information that can generate profit by using the deposit received by the won, the end payment, the trust reception and the like.

If information about groups other than the comprehensive financial group is extracted from the received procurement information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 3305c / 1310c.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the comprehensive financial group (3315c), and stores and registers the calculated profitability information in the server D / B (3320c).

Here, it is preferable that the procurement information for the comprehensive financial group is used to calculate the potential profitability to generate profits by using the deposit received by the won, the end payment, the trust reception, and the like.

Figure 34 shows the system configuration for calculating the profitability of the funds / international teller staff according to the embodiment of the present invention.

In more detail, Figure 34 shows employee information, KRW or foreign currency fund management information associated with the employee information, business information on the foreign exchange business, derivatives management information, stock management information, and bond management to calculate profitability of funds / international groups. Profitability information is identified by extracting only information corresponding to funds / international groups from information and marketing performance information, and shows the internal structure of the system for calculating profitability by employee for funds / international groups based on the identified profitability information. As one of ordinary skill in the art to which the present invention pertains, various implementation methods of a system for calculating the profitability of funds / international group may be inferred with reference to this drawing 34. It is not limited to, but includes all the implementation methods inferred.

Here, it is preferable that the won or foreign currency fund management information includes at least one or more won loan information or foreign currency loan information, foreign currency exchange information.

In addition, it is preferable that the business information for the foreign exchange business includes at least one or more of profits through foreign exchange-related business alliance, import and export business management and ancillary business, foreign currency remittance, and foreign currency check.

In addition, the derivatives product management information preferably comprises at least one or more information, such as share price futures, swap, option management.

In addition, the stock management information preferably comprises at least one or more information, such as management of stock purchase or sale, stock transaction fees.

In addition, the bond management information preferably comprises at least one or more information, such as operation information on the purchase or sale of bonds, bond transaction fees, interest income on the bonds.

In addition, the marketing performance information is preferably made, including potential product revenue through the sale of new products through marketing activities.

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

According to the implementation method of the present invention, the system for calculating the profitability of the funds / international teller is in the foreign currency or foreign currency fund management information of the funds / international group, or business information about the foreign exchange business of the funds / international group, or funds / international Fund / International Group Profitability Calculation Server for Profit Calculation based on Group's Derivatives Investment Information, Fund / International Group's Stock Management Information, Fund / International Group's Bond Management Information, or Fund / International Group's Marketing Performance Information 2330) providing at least one financial transaction (eg, credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) services through at least one face-to-face or non-face-to-face financial transaction channel provided at a branch (or branch) of a financial institution. It is characterized by comprising a financial system 2350 for.

The fund / international group profitability calculation server 2330 includes employee information, won or foreign currency money management information associated with the employee information, business information on foreign exchange business, derivatives management information, stock management information, bond management information, and marketing performance. A method of extracting information from the financial system 2350 and confirming the profitability of each employee's funds / international group based on the employee information is preferable, and a person having ordinary knowledge in the field to which the present invention pertains, In addition, various information for calculating the profitability of funds / international groups, such as expenses for employees belonging to funds / international groups (eg, employee wages), can be added to the method of confirming the profitability of funds / international groups. In Fig. 34, the factor of the employee's cost is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably means costs such as direct and indirect costs for employees in charge of won or foreign currency money management, foreign exchange business or derivatives management, stock management or bond management or marketing.

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 fund / international group profitability calculation server 2330 includes a D / B for storing profit / calculation results of employees / funds for an international group or a D / B for storing profit / calculation results of funds / international groups for each employee It is linked with a separate D / B server and communication network.

Referring to FIG. 34, the fund / international group profitability calculation server 2330 receives an information receiver 3400 (or information) that receives information from the ledger D / B 3450 in association with the external system of the financial system 2350. Information receiving means), information extracting unit 3405 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 3450, and profitability information among information extracted from the ledger D / B 3450; Information checking unit 3410 (or information checking means) for checking the profitability calculation unit 3415 (or profitability calculating means) for calculating profitability information from the profitability checking information, and storing the profitability calculation information in the D / B. And an information storage unit 3420 (or information storage means).

Here, the ledger D / B 3450 is a D / B provided in the financial system 2350, and the ledger D / B 3450 includes employee information, won or foreign currency funds necessary for calculating profitability for funds / international groups. It is preferable to include management information, foreign exchange business information, derivatives management information, stock management information, bond management information, marketing information.

According to the exemplary embodiment of the present invention, the information receiving unit 3400 may include employee information, won or foreign currency fund management information associated with the employee information, business information based on the foreign exchange business, derivative information management information based on derivatives management, Ledger D / B (3450) in connection with the external system of the financial system 2350 includes information on at least one of stock management information based on stock management, bond management information based on bond management, and marketing information generating profit by marketing. Received ledger information from) and provides to the information extraction unit 3405.

Here, the ledger information is employee information requested from the fund / international group profitability calculation server 2330 to the financial system 2350 to calculate profitability for the fund / international group, won or foreign currency money management information associated with the employee information, Alternatively, it is preferable to include business information according to the foreign exchange business, derivative product management information based on derivatives management, stock management information based on stock management, bond management information based on bond management, and marketing information generating profit by marketing. Do.

According to the exemplary embodiment of the present invention, the information extracting unit 3405 extracts information on the money / international group from the employee information received from the information receiving unit 3400 and the won or foreign currency money management information associated with the employee information. Or provide information to the information verification unit 3410 by extracting information on the fund / international group from the business information according to the foreign exchange business associated with the employee information and the employee information. Or extract information on funds / international groups from the employee information and derivative product management information associated with the employee information and provide the information to the information verification unit 3410, or stocks associated with the employee information and the employee information. Extract information on fund / international group from operation information and provide it to the information verification unit 3410, or fund / interest from bond management information linked to the employee information and the employee information. Extract information about an international group and provide the information to the information checking unit 3410, or extract information about the fund / international group from the employee information and marketing information associated with the employee information. To provide.

According to the exemplary embodiment of the present invention, the information checking unit 3410 may include the employee information provided by the information extracting unit 3405, profitability information of the funds / international group in won or foreign currency money management information associated with the employee information, Or the employee information provided by the information extracting unit 3405, profitability information of the funds / international group in the business information according to the foreign exchange business associated with the employee information, or the employee information provided by the information extracting unit 3405. Fund in the employee information, derivatives management information linked to the employee information / profitability information of the international group, or the employee information provided by the information extraction unit 3405, the stock management information associated with the employee information Profitability information of the international group, or the employee information provided by the information extracting unit 3405, the profitability information of the fund / international group in the bond management information associated with the employee information, or the Beam and provides the extraction unit 3405 by the employee information, and determine the profitability of the money information / International Marketing Group in the information to calculate the margin portion (3415) associated with the information provided by the employee.

The profitability calculation unit 3415 may determine the profitability information of the won or foreign currency funds, the foreign currency for the money / international group, which has been confirmed in the won or foreign currency fund management information for the funds / international group provided by the information checking unit 3410. Forex business profitability information confirmed profitability information in business information, derivatives profitability information confirmed profitability information in fund / international group derivatives, stock profitability information confirmed profitability information in stock management information for fund / international group, Profitability is calculated by linking the bond profitability information confirmed profitability information in the fund management information for the funds / international group, the marketing profitability information confirmed profitability information in the marketing information for the funds / international group, the calculated funds Profitability information for the / international group is provided to the information storage unit (3420).

According to the implementation method of the present invention, the profitability calculation unit 3415 is a profit of the won or foreign currency funds confirmed the profitability information from the won or foreign currency funds management information for the funds / international groups provided by the information verification unit 3410 It is desirable to calculate profitability in conjunction with profitability information for a fund / international group that contains at least one information.

In this case, it is preferable that the won / foreign currency profitability information for the funds / international group includes potential interest income, service profit or loss, or won or foreign currency operating income through loans for won or foreign currency.

In addition, the profitability calculation unit 3415 may include profitability information for the money / international group including the foreign exchange business profitability information obtained from the foreign exchange business information for the money / international group provided by the information checking unit 3410. It is desirable to calculate profitability in conjunction with.

Herein, the profitability information of the foreign exchange business for the fund / international group may include profits through foreign exchange-related business alliances, general import and export work and incidental affairs, foreign currency remittances, and foreign currency checks. .

In addition, the profitability calculation unit 3415 may include a profitability of the fund / international group including derivative product profitability information obtained from the derivatives management information of the fund / international group provided by the information checking unit 3410. It is desirable to calculate profitability in conjunction with information.

In this case, the profitability information of the derivatives for the funds / international group may include profits, operating fees, etc., according to the profits from derivatives management.

In addition, the profitability calculation unit 3315 may include profitability information for the money / international group including stock profitability information obtained from the stock management information for the money / international group provided by the information checking unit 3410 and the profitability information. It is desirable to calculate profitability by linkage.

Here, the stock profitability information for the fund / international group may be made to include profits, operating fees, etc., according to profits from stock management.

In addition, the profitability calculation unit 3415 may include profitability information for the money / international group including bond profitability information obtained from the bond management information for the fund / international group provided by the information checking unit 3410 and the profitability information. It is desirable to calculate profitability by linkage.

In this case, it is preferable that the bond profitability information for the fund / international group includes profits, operating fees, etc., according to the profits from the bond management.

In addition, the profitability calculation unit 3415 is linked with the profitability information for the fund / international group, which includes marketing profitability information that confirms the profitability information in the marketing information for the fund / international group provided by the information checking unit 3410. It is desirable to calculate the profitability.

In this case, the marketing profitability information for the fund / international group may include a potential product profit through new product sales through marketing activities.

According to an exemplary embodiment of the present invention, the information storage unit 3420 stores profitability information provided by the profitability calculator 3315 in a D / B provided in the fund / international group profit calculation server 2330 or the profitability. A separate D / B server having a D / B for storing profitability information provided by the calculation unit 3415 is interlocked through a communication network.

According to the implementation method of the present invention, the financial system 2350 funds the ledger information in association with the ledger D / B 3450 inside the financial system 2350 in connection with the fund / international group profitability calculation server 2330. It provides a function for providing to the / international group profitability calculation server 2330, the detailed description of the internal configuration has been described with reference to Figure 23, it is omitted.

In addition, the ledger information for the ledger D / B 3450 of the financial system 2350 has more information than the information shown in the ledger D / B 3450 of the financial system 2350 shown in FIG. / Show only information for international group profitability calculations.

Figure 35 shows the won or foreign currency profitability information, foreign exchange business profitability information, derivatives profitability information, stock profitability information, The operation flow of the system for calculating the profitability of the fund / international group including at least one of bond profitability information and marketing profitability information is shown.

More specifically, FIG. 35 obtains ledger information from the ledger D / B 3450 of the financial system 2350 shown in FIG. 23, and funds through the fund / international group profitability calculation server 2330 shown in FIG. Check the profitability information on the above six conditions of the international group: won or foreign currency profitability information, foreign exchange business profitability information, derivatives profitability information, stock profitability information, bond profitability information, and marketing profitability information. Regarding the process of storing and registering in the D / B of the profitability calculation server 2330, and having ordinary knowledge in the field to which the present invention pertains, a system for calculating profitability of the fund / international group with reference to FIG. Various embodiments of the present invention may be inferred, but the present invention is not limited to the drawing 35, and includes all the inferred embodiments.

Hereinafter, in FIG. 35, the fund / international group profitability calculation server 2330 shown in FIG. 34 is referred to as a “server” for convenience.

Referring to FIG. 35A, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 3450 for calculating the profitability to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 3450 to the server (3500a).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is preferably made by including at least one or more of the employee information, stored in the ledger D / B (3450) of the financial system 2350, the won or foreign currency funds management information associated with the employee information. .

If information on groups other than funds / international groups is extracted from the won or foreign currency fund management information, the respective groups are processed with reference to the information shown in the other drawings of the present invention. Only handle parts of international groups (3505a / 3510a).

Thereafter, the server calculates profitability of the won or foreign currency funds corresponding to the funds / international group from the won or foreign currency fund management information (3515a), and stores and registers the calculated profitability information on the server D / B ( 3520a).

In this case, it is preferable that the won / foreign currency profitability information for the funds / international group includes potential interest income, service profit or loss, or won or foreign currency operating income through loans for won or foreign currency.

Referring to FIG. 35B, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 3450 for calculating the profitability to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 3450 to the server (3500b).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is preferably made, including the employee information, stored in the ledger D / B (3450) of the financial system 2350, the business information for the foreign exchange business associated with the employee information.

When extracting information about a group other than funds / international group from the business information on the foreign exchange business, the information is processed according to each group with reference to the information shown in another drawing of the present invention. Process only parts for international groups (3505b / 3510b).

Thereafter, the server calculates the profitability of the foreign exchange business corresponding to the fund / international group in the business information on the foreign exchange business (3515b), and stores and registers the calculated profitability information in the server D / B (3520b).

Herein, the profitability information of the foreign exchange business for the fund / international group may include profits through foreign exchange-related business alliances, general import and export work and incidental affairs, foreign currency remittances, and foreign currency checks. .

Referring to FIG. 35c, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 3450 for calculating the profitability to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 3450 to the server (3500c).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is preferably made to include the employee information, stored in the ledger D / B (3450) of the financial system 2350, derivative product management information for derivatives management associated with employee information.

If information on groups other than funds / international groups is extracted from the derivatives management information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the part for is processed (3505c / 3510c).

Thereafter, the server calculates the profitability of the derivative product corresponding to the fund / international group in the derivative product management information (3515c), and stores and registers the calculated profitability information in the server D / B (3520c).

In this case, the profitability information of the derivatives for the funds / international group may include profits, operating fees, etc., according to the profits from derivatives management.

Referring to FIG. 35D, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 3450 for the profitability calculation to the server. In response, the financial system 2350 provides the ledger information of the ledger D / B 3450 to the server (3500d).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information preferably comprises employee information stored and registered in the ledger D / B (3450) of the financial system 2350, and stock management information for the stock management associated with the employee information.

If information on groups other than funds / international group is extracted from the stock management information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the part of the process is processed (3505d / 3510d).

Thereafter, the server calculates the profitability of the derivative product corresponding to the fund / international group in the stock management information (3515d), and stores and registers the calculated profitability information in the server D / B (3520d).

Here, the stock profitability information for the fund / international group may be made to include profits, operating fees, etc., according to profits from stock management.

Referring to FIG. 35E, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 3450 for the profitability calculation to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 3450 to the server (3500e).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information preferably comprises employee information stored and registered in the ledger D / B (3450) of the financial system 2350, bond management information for bond management associated with employee information.

* If information on groups other than funds / international group is extracted from the bond management information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the part for (3505e / 3510e) is processed.

Thereafter, the server calculates the profitability of the derivative product corresponding to the fund / international group in the bond management information (3515e), and stores and registers the calculated profitability information in the server D / B (3520e).

In this case, it is preferable that the bond profitability information for the fund / international group includes profits, operating fees, etc., according to the profits from the bond management.

Referring to FIG. 35f, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 3450 for the profitability calculation to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 3450 to the server (3500f).

* Here, it is preferable that the employee information includes at least one or more information such as employee number of employee, employee ID information, and the like.

In addition, the ledger information is preferably made of the employee information, stored in the ledger D / B (3450) of the financial system 2350, including marketing performance information associated with the employee information.

If information about groups other than funds / international group is extracted from the marketing performance information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the part of the process is processed (3505f / 3510f).

Thereafter, the server calculates marketing profitability corresponding to the fund / international group in the marketing performance information (3515f), and stores and registers the calculated profitability information in the server D / B (3520f).

In this case, the marketing profitability information for the fund / international group may include a potential product profit through new product sales through marketing activities.

36 shows the system configuration for calculating the profitability of the trust clerk according to the embodiment of the present invention.

More specifically, FIG. 36 shows profitability information by extracting only information corresponding to a trust group from employee information, trust information associated with the employee information, trust task information, or fund office management information to calculate profitability of the trust group. By showing the internal configuration of the system for calculating the profitability of each employee for the trust group based on the confirmed profitability information, if the person having ordinary knowledge in the field to which the present invention belongs, the trust group with reference to FIG. It will be possible to infer various implementation methods of the system for calculating the profitability of the present invention, but the present invention is not limited to this figure 36 and includes all the implementation methods inferred above.

In this case, the trust information may include at least one or more of earnings remuneration, real estate fees, and drug information.

In addition, the trust service information is preferably made of at least one or more, such as trust fees, asset storage fees.

In addition, it is preferable that the fund office management information includes a business commission.

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

According to the implementation method of the present invention, the system for calculating the profitability of the trust window staff is the trust group profit calculation server 2335 for profit calculation by trust information, or trust business information, or fund office management information of the trust group, Financing to provide at least one financial transaction (eg credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) services through at least one face-to-face or non-face-to-face financial transaction channel provided at a branch (or branch) of a financial institution. And a system 2350.

The trust group profitability calculation server 2335 extracts employee information, trust information associated with the employee information, or trust task information, or fund office management information from the financial system 2350, and trusts for each employee according to the employee information. A method of checking the profitability of the group is preferable, and if the person having ordinary knowledge in the field to which the present invention belongs, the cost for the employees belonging to the trust group in the method of confirming the profitability of the trust group with reference to FIG. Various information for calculating trust group profitability, such as (e.g., employee wages), may be added. However, in FIG. 36, an element of the required cost of the employee is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably means costs such as direct and indirect costs for employees in charge of won or foreign currency money management, foreign exchange business or derivatives management, stock management or bond management or marketing.

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 trust group profit calculation server 2335 may include a D / B storing the profit calculation results of the trust group for each employee or a separate D / B having the D / B storing the profit calculation results of the trust group for each employee. It is linked with server through communication network.

Referring to FIG. 36, the trust group profitability calculation server 2335 receives an information receiver 3600 (or information) for receiving information from the ledger D / B 3650 in association with the external system of the financial system 2350. Receiving means), an information extracting unit 3605 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 3650, and profitability information among the information extracted from the ledger D / B 3650. The information checking unit 3610 (or information checking means) for checking, the profitability calculating unit 3615 (or profitability calculating means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B. An information storage unit 3620 (or information storage means) is provided.

Here, the ledger D / B 3650 is a D / B provided in the financial system 2350, and the ledger D / B 3650 includes employee information, trust business information, and fund affairs necessary for calculating profitability for the trust group. It is preferable to include management information.

According to the exemplary embodiment of the present invention, the information receiving unit 3600 may include information including at least one of employee information, trust information associated with the employee information, or trust task information, or fund office management information of the financial system 2350. The ledger information is received from the ledger D / B 3650 in association with the external system and provided to the information extraction unit 3605.

Here, the ledger information is the employee information requested from the trust group profitability calculation server 2335 to the financial system 2350, the trust information associated with the employee information, or the trust business information, or the fund office to calculate profitability for the trust group. It is desirable to include management information.

According to the exemplary embodiment of the present invention, the information extracting unit 3605 extracts information on the trust group from the employee information received from the information receiving unit 3600 and the trust information associated with the employee information, and the information checking unit ( 3610) or extract information on a trust group from the trust information associated with the employee information and the employee information and provide the information to the information verification unit 3610, or the employee information and the employee information. The information on the trust group is extracted from the fund office management information and provided to the information verification unit 3610.

According to the exemplary embodiment of the present invention, the information checking unit 3610 may include the employee information provided by the information extracting unit 3605, the profitability information of the trust group in the trust information associated with the employee information, or the information extracting unit ( 3605) the employee information, the trust information in the trust business information associated with the employee information, the profitability information of the trust group, or the employee information provided by the information extraction unit 3605, the fund office management information associated with the employee information Checks the profitability information of the trust group and provides it to the profitability calculation unit 3615.

The profitability calculation unit 3615 is a trust profitability information confirmed in the trust information for the trust group provided by the information verification unit 3610, trust profitability information confirmed in the trust business information for the trust group, fund office management for the trust group It is characterized by calculating the profitability in connection with the fund profitability information identified in the information, and provides the information storage unit 3620 with profitability information for the calculated trust group.

According to an embodiment of the present invention, the profitability calculator 3615 may include profitability information for a trust group including trust profitability information in which profitability information is identified from trust information for the trust group provided by the information checking unit 3610. It is desirable to calculate profitability by linkage.

Here, the trust profitability information for the trust group preferably includes profitability information based on earnings remuneration, profitability information based on real estate fees, or profitability information based on the number of drug information.

In addition, the profitability calculation unit 3615 calculates profitability in connection with the profitability information for the trust group including the trust profitability information which confirmed the profitability information in the trust service information for the trust group provided by the information checking unit 3610. It is desirable to.

Here, the trust profitability information for the trust group may include profitability information according to trust fees, profitability information due to asset storage fees, and the like.

In addition, the profitability calculator 3615 measures profitability in connection with the profitability information for the trust group including the fund profitability information obtained from the fund office management information for the trust group provided by the information verification unit 3610. It is preferable to calculate.

Here, the fund profitability information for the trust group is preferably made to include profitability information according to the commission commission.

According to the exemplary embodiment of the present invention, the information storage unit 3620 stores the profitability information provided by the profitability calculator 3615 in a D / B provided in the trust group profit calculation server 2335 or the profitability calculator It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in (3615).

According to the implementation method of the present invention, the financial system 2350 is linked with the trust group profitability calculation server 2335 and the ledger information in connection with the ledger D / B 3650 inside the financial system 2350 profitability of the trust group A function for providing to the calculation server 2335 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 3650 of the financial system 2350 has more information than the information shown in the ledger D / B 3650 of the financial system 2350 shown in Figure 36, Only information for trust group profitability calculations is shown.

37 is a diagram of a system for calculating trust group profitability comprising at least one or more trust profitability information, trust profitability information, and fund profitability information for a trust group for calculating profitability for each employee for a trust group according to an embodiment of the present invention; It shows the operation flow.

In more detail, the drawing 37 obtains the ledger information from the ledger D / B 3650 of the financial system 2350 shown in FIG. 23 and uses the trust group profitability calculation server 2335 shown in FIG. The present invention relates to a process of checking and storing profitability information on the three conditions (trust profitability information, trust profitability information, and fund profitability information) in the D / B of the trust group profitability calculation server 2335, 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 trust group with reference to this figure 37, but the present invention is not limited to this figure 37, all inferred It includes the method of implementation.

Hereinafter, in FIG. 37, the trust group profitability calculation server 2335 shown in FIG. 36 is referred to as "server" for convenience.

Referring to FIG. 37A, the server accesses the financial system 2350 through a predetermined communication network and provides the server with ledger information of the ledger D / B 3650 of the financial system 2350 for calculating the profitability. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 3650 to the server (3700a).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is preferably made to include the employee information stored in the ledger D / B (3650) of the financial system 2350, the trust information associated with the employee information.

In this case, the trust information may include at least one or more of earnings remuneration, real estate fees, and drug information.

When extracting information on a group other than a trust group from the trust information, processing is performed by referring to the information shown in the other drawings of the present invention according to each group, and in FIG. 37a, only a portion of the trust group is processed. (3705a / 3710a).

Thereafter, the server calculates trust profitability corresponding to the trust group from the trust information (3715a), and stores and registers the calculated profitability information in the server D / B (3720a).

Here, the trust profitability information for the trust group preferably includes profitability information based on earnings remuneration, profitability information based on real estate fees, or profitability information based on the number of drug information.

Referring to FIG. 37B, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 3650 to calculate the profitability to the server. In response to the request, the financial system 2350 provides the ledger information of the ledger D / B 3650 to the server (3700b).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is preferably made to include the employee information stored in the ledger D / B (3650) of the financial system 2350, registered business information, and the trust information associated with the employee information.

In addition, it is preferable that the trust service information includes at least one or more of trust fees, asset storage fees, and the like.

When extracting information on a group other than a trust group from the trust service information, processing is performed by referring to the information shown in the other drawings of the present invention according to each group, and in FIG. 37b, only a portion of the trust group is processed. (3705b / 3710b).

Thereafter, the server calculates trust profitability corresponding to the trust group from the trust information (3715b), and stores and registers the calculated profitability information in the server D / B (3720b).

Here, the trust profitability information for the trust group may include profitability information according to trust fees, profitability information due to asset storage fees, and the like.

Referring to FIG. 37C, the server accesses the financial system 2350 through a predetermined communication network, and provides the ledger information of the financial system 2350 ledger D / B 3650 for calculating the profitability to the server. In response, the financial system 2350 provides the ledger information of the ledger D / B 3650 to the server (3700c).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is preferably made to include the employee information stored in the ledger D / B (3650) of the financial system 2350, the fund office management information associated with the employee information.

In addition, it is preferable that the fund office management information includes a business commission.

When extracting information about a group other than a trust group from the fund office management information, the group is processed with reference to the information shown in another figure of the present invention according to each group, and in FIG. 37c, only a portion of the trust group is processed. Process (3705c / 3710c).

Thereafter, the server calculates trust profitability corresponding to the trust group from the trust information (3715c), and stores and registers the calculated profitability information in the server D / B (3720c).

Here, the fund profitability information for the trust group is preferably made to include profitability information according to the commission commission.

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

In more detail, FIG. 38 shows employee information, profitability information of the employee linked to the employee information, branch information of the employee, and organizational information of the employee for the integrated profitability calculation. ), Or the PB customer group profitability calculation server 2310, or the special customer group profitability calculation server 2315, or the corporate customer group profitability calculation server 2315, or the comprehensive financial group profitability calculation server 2325, Or, the internal structure of a system for operating profitability calculation results for each channel / staff received from the fund / international group profitability calculation server 2330 and the trust group profitability calculation server 2335 is shown. Those skilled in the art will be able to infer various implementation methods of the system for integrated profitability calculation result operation with reference to FIG. If not limited to 38, and includes all embodiments in which the inference method.

According to an embodiment of the present invention, the integrated profitability calculation system includes employee profitability information of individual customer group, employee profitability information of PB customer group, employee profitability information of special customer group, employee profitability information of corporate customer. Integrated profitability calculation server (2300) for integrated profitability calculation based on employee profitability information of comprehensive financial group, profitability information of funds / international group, profitability information of trust group employee, branch of financial institution (or branch) And a financial system 2350 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.

The integrated profitability calculation server 2300 may include employee information, branch information of the employee, organizational information of the employee, profitability information of the individual customer group linked to the employee information, profitability information of the PB customer group, and special customer group. Profitability information, corporate customer group profitability information, comprehensive financial group profitability information, fund / international group profitability information, trust group profitability information server (2305), PB customer group profitability calculation server (2310) , Special customer group profitability calculation server (2315), corporate customer group profitability calculation server (2315), comprehensive financial group profitability calculation server (2325), fund / international group profitability calculation server (2330), trust group profitability calculation server (2335) Extracted from, the method of identifying the integrated profitability of each branch or organization according to the employee branch information or the organization information of the employee is preferred, in the field to which the present invention belongs Those skilled in the art can refer to this drawing 38 to add a variety of information for calculating the integrated profitability, such as the required cost (e.g., employee wages) for the employee to the method of confirming the integrated profitability, 38 In Figure 3, the factor of employee's cost is omitted because it is not used to calculate profitability.

Here, it is preferable that the information on the required expenses of the employee means costs such as direct costs and indirect costs for employees belonging to the branch or organization.

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

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

The integrated profitability calculation server 2300 has a D / B for storing the integrated profitability calculation results for each branch or organization, or a separate D / B server having a D / B for storing the integrated profitability calculation results for each branch or organization. And interwork with the communication network.

Referring to FIG. 38, the integrated profitability calculation server 2300 includes the personal customer group profitability calculation server 2305, the PB customer group profitability calculation server 2310, the special customer group profitability calculation server 2315, and the corporate customer group. Receive profitability information from each server D / B in connection with profitability calculation server 2315, comprehensive financial group profitability calculation server 2325, fund / international group profitability calculation server 2330, and trust group profitability calculation server 2335 Information receiving unit 3800 (or information receiving means), the individual customer group profitability calculation server 2305 D / B, PB customer group profitability calculation server 2310 D / B, special customer group profitability calculation server 2315 D / B, corporate customer group profitability calculation server (2315) D / B, comprehensive financial group profitability calculation server (2325) D / B, fund / international group profitability calculation server (2330) D / B, trust group profitability calculation server (2335 Information extracting unit 3805 for extracting necessary information from information received from the D / B; Information extraction means), the individual customer group profitability calculation server (2305) D / B, PB customer group profitability calculation server (2310) D / B, special customer group profitability calculation server (2315) D / B, corporate customer group profitability calculation Information extracted from outgoing server (2315) D / B, comprehensive financial group profitability calculation server (2325) D / B, fund / international group profitability calculation server (2330) D / B, trust group profitability calculation server (2335) D / B A profitability calculation unit 3815 (or profitability calculation means) for calculating profitability, an information verification unit 3810 (or information confirmation means) for identifying a corresponding point or organization from the profitability calculation information, and the profitability calculation information described above. And an information storage unit 3820 (or information storage means) for storing in the D / B.

Here, the personal customer group profitability calculation server 2305 D / B preferably includes employee profitability information, employee information, employee branch information, and employee organization information of the individual customer group.

In addition, the PB customer group profitability calculation server 2310 D / B is preferably made to include the employee-specific profitability information, employee information, the branch information of the employee, organizational information of the employee for the PB customer group.

In addition, the special customer group profitability calculation server 2315 D / B is preferably made to include the employee-specific profitability information, employee information, the employee's position information, the employee's organization information.

In addition, the corporate customer group profitability calculation server 2315 D / B is preferably made to include the employee-specific profitability information, employee information, employee position information, the employee organization information of the employee.

In addition, the comprehensive financial group profitability calculation server 2325 D / B is preferably made to include the employee-specific profitability information, employee information, the branch information of the employee, organizational information of the employee for the comprehensive financial group.

In addition, the fund / international group profitability calculation server (2330) D / B is preferably made to include the employee-specific profitability information, employee information, the branch information of the employee, organizational information of the employee for the fund / international group Do.

In addition, the trust group profitability calculation server (2335) D / B is preferably made to include the employee-specific profitability information, employee information, the employee branch information, the employee organization information of the employee.

According to the exemplary embodiment of the present invention, the information receiving unit 3800 includes employee information, branch information of the employee, organizational information of the employee, personal customer group profitability information associated with the employee information, or PB customer group profitability information, Information including at least one of special customer group profitability information, comprehensive financial group profitability information, fund / international group profitability information, and trust group profitability information is included in the individual customer group profitability calculation server (2305), PB customer group profitability calculation server ( 2310), special customer group profitability calculation server (2315), corporate customer group profitability calculation server (2315), comprehensive financial group profitability calculation server (2325), fund / international group profitability calculation server (2330), trust group profitability calculation server ( Profitability information is received from 2335 and provided to the information extraction unit 3805.

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

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

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

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

In addition, 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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

In addition, profitability information for PB customer groups includes profitability information for PB customer group accounts or non-account products, profitability information for certain periods of transaction for PB customer groups, new account products or new non-account products for PB customer groups. It is preferable to include at least one or more profitability information according to the subscription.

In addition, the profitability information for the special customer group may include profitability information by the account product or non-account product of the special customer group, profitability information by transaction history of the special customer group, new account product or new non-account product of the special customer group. It is preferable to include at least one or more profitability information according to the subscription.

In addition, the profitability information of the corporate customer group includes profitability information of the corporate customer group's account products or non-account products, profitability information of the corporate customer group's transaction for a certain period, new account products of the corporate customer group, or new non-accounting products. It is preferable to include at least one or more profitability information according to the subscription.

In addition, profitability information for the general financial group includes investment finance profitability information, international finance profitability information, ABS (Asset-Backed Securities) profitability information, SOC (Social Overhead Capital) profitability information, restructuring profitability information, real estate profitability information, and credit profitability. It is preferable to include at least one or more information, received profitability information and the like.

Here, the investment finance profitability information preferably includes handling fees, potential interest income, and potential investment return for providing services such as won loans, foreign currency loans and payment guarantees.

In addition, the international financial profitability information preferably includes handling fees, potential interest income, and potential investment return to provide services such as foreign currency loans, payment guarantees, and equity investment.

In addition, the profitability information of Asset-Backed Securities (ABS) includes handling fees, potential interest income, and potential return on investment to provide services such as C / L agreements, commercial paper purchase agreements, and equity investments. desirable.

In addition, SOC (Social Overhead Capital) profitability information is preferably made up of handling fees, potential interest income, potential investment return to provide services such as won loans, equity investment for investment in infrastructure.

In addition, the restructuring profitability information is preferably made to include the potential return on investment through equity investment in the company under restructuring.

In addition, the real estate profitability information preferably includes handling fees, potential interest income, rental income by real estate lease, etc. for providing services such as loans or equity investment in real estate as collateral.

In addition, it is preferable that the credit profitability information includes interest income or potential interest income from won loans, interest income from potential loans, or potential interest income.

In addition, the received profitability information preferably includes potential profitability information that can be used to generate profit by using the deposit received by the won, the end payment, the trust reception, and the like.

In addition, the profitability information for the fund / international group includes at least one of won or foreign currency fund profitability information, foreign exchange business profitability information, derivatives profitability information, stock profitability information, bond profitability information, marketing profitability information, and the like. It is done.

Here, the won or foreign currency profitability information is preferably made including the potential interest income or service profit or loss, or won or foreign currency operating income through loans to the won or foreign currency.

In addition, it is desirable to calculate profitability by linking with profitability information for the fund / international group, which includes profitability information for which the profitability information is confirmed in the foreign exchange business information.

In addition, the derivatives profitability information is preferably made including the profits, operating fees, etc. according to the profits derived from derivatives management.

In addition, the stock profitability information is preferably made including the profits, operating fees, etc. according to the profits from the stock management.

In addition, the bond profitability information is preferably made to include the profits, operating fees, etc. according to the profits from the bond management.

In addition, the marketing profitability information is preferably made, including the potential product revenue through the sale of new products through marketing activities.

In addition, the profitability information for the trust group preferably comprises at least one or more trust profitability information, trust profitability information, fund profitability information.

Here, the trust profitability information may include profitability information based on earnings remuneration, profitability information based on real estate fees, or profitability information based on the number of drug information.

In addition, the trust profitability information is preferably made to include the profitability information according to the trust fee, the profitability information due to the asset storage fee.

In addition, the fund profitability information is preferably made to include the profitability information according to the commission commission.

According to the exemplary embodiment of the present invention, the information extracting unit 3805 is connected to the employee information received from the information receiving unit 3800, the branch information of the employee, the organizational information of the employee, and the employee information. From profitability information of individual customer group, profitability information of PB customer group, profitability information of special customer group, profitability information of comprehensive financial group, profitability information of fund / international group, profitability information of employee group or organization, Provided to the information verification unit 3810.

According to the exemplary embodiment of the present invention, the information checking unit 3810 is connected to the employee information, the branch information of the employee, the organization information of the employee provided by the information extraction unit 3805, the individual associated with the employee information Check the profitability information by employee's branch office or organization in customer group profitability information, PB customer group profitability information, special customer group profitability information, comprehensive financial group profitability information, fund / international group profitability information, trust group profitability information Provided to the profitability calculation unit 3815.

The profitability calculation unit 3815 may include personal customer group profitability information, PB customer group profitability information, special customer group profitability information, comprehensive financial group profitability information, fund / international group profitability information, and trust provided by the information verification unit 3810. Profitability information is calculated by linking profitability information identified in the group profitability information with branch or organization information, and provides the calculated integrated profitability information to the information storage unit 3820.

According to the exemplary embodiment of the present invention, the profitability calculator 3815 may calculate profitability in connection with the branch or organization information of the employee from the personal customer group profitability information provided by the information verification unit 3810.

Here, the profitability information for each branch or organization may include at least one of individual customer group profitability information, PB customer group profitability information, special customer group profitability information, comprehensive financial group profitability information, fund / international group profitability information, and trust group profitability information. It is preferable to comprise.

In addition, the profitability calculation unit 3815 may calculate profitability in connection with the branch or organization information of the employee in the PB customer group profitability information provided by the information checking unit 3810.

In addition, the profitability calculator 3815 may calculate profitability in connection with the branch or organization information of the employee in the special customer group profitability information provided by the information verification unit 3810.

In addition, the profitability calculation unit 3815 may calculate profitability in connection with the branch or organization information of the employee in the corporate customer group profitability information provided by the information checking unit 3810.

In addition, the profitability calculator 3815 may calculate profitability in connection with the branch or organization information of the employee in the comprehensive financial group profitability information provided by the information verification unit 3810.

In addition, the profitability calculator 3815 may calculate profitability in connection with the branch or organization information of the employee in the money / international group profitability information provided by the information checker 3810.

In addition, the profitability calculation unit 3815 may calculate profitability in connection with the branch or organization information of the employee in the trust group profitability information provided by the information checking unit 3810.

According to the method of the present invention, the information storage unit 3820 may store the profitability information provided by the profitability calculation unit 3815 in a D / B provided in the integrated profitability calculation server 2300 or the profitability calculation unit ( 3815 is linked with a separate D / B server having a D / B for storing the profitability information provided by the communication network.

39 shows individual customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, comprehensive financial group profitability information, It shows the operation flow of the system for calculating profitability by branch or organization which includes at least one of fund / international group profitability information and trust group profitability information.

In more detail, FIG. 39 shows the individual customer group profitability calculation server 2305 shown in FIG. 24, the PB customer group profitability calculation server 2310 shown in FIG. 26, and the special customer group profitability calculation server shown in FIG. 2315), the corporate customer group profitability calculation server 2315 shown in FIG. 30, the comprehensive financial group profitability calculation server 2325 shown in FIG. 32, the fund / international group profitability calculation server 2330 shown in FIG. Take profitability information from the D / B of the trust group profit calculation server 2335 shown in FIG. 36, calculate profitability information for each branch or organization shown in FIG. 38, and store it in the D / B of the integrated profit calculation server 2300. Regarding the registration process, those having ordinary knowledge in the field to which the present invention pertains can refer to this drawing 39 to infer various implementation methods of a system for calculating profitability for each point or organization. foot Is not limited to the figure 39, it comprises all of the embodiments how the inference.

Hereinafter, in FIG. 39, the integrated profitability calculation server 2300 shown in FIG. 38 is referred to as a “server” for convenience.

Referring to FIG. 39, the individual customer group profitability calculation server 2305, the PB customer group profitability calculation server 2310, the special customer group profitability calculation server 2315, or a corporate customer through a predetermined communication network in the server. Access to the group profit calculation server 2315, the comprehensive financial group profit calculation server 2325, the fund / international group profit calculation server 2330, or the trust group profit calculation server 2335, and calculate the profitability with the server. The individual customer group profitability calculation server 2305, or the PB customer group profitability calculation server 2310, or the special customer group profitability calculation server 2315, or the corporate customer group profitability calculation server 2315, or the comprehensive financial group. Providing the profitability information stored and registered in the D / B of each of the profitability calculation server 2325, the fund / international group profitability calculation server 2330, or the trust group profitability calculation server 2335, The individual customer group profitability calculation server 2305, the PB customer group profitability calculation server 2310, the special customer group profitability calculation server 2315, or the corporate customer group profitability calculation server 2315, or the comprehensive financial group profitability calculation The server 2325, the fund / international group profitability calculation server 2330, or the trust group profitability calculation server 2335 provides the profitability information of the D / B to the server (3900).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

If the information on the branch or organization other than the branch or organization being calculated from the trust information is extracted, the extracted information is discarded and only a part of the branch or organization being calculated is processed (3905/3910).

Thereafter, the server profitability information, or PB customer group profitability information, or special customer group profitability information, or corporate customer group profitability information, or comprehensive financial group profitability information, or fund / international group profitability information, or trust The integrated profitability of each branch or organization is calculated from the group profitability information (3915), and the calculated profitability information is stored and registered in the server D / B (3920).

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

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

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

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

In addition, 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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

In addition, profitability information for PB customer groups includes profitability information for PB customer group accounts or non-account products, profitability information for certain periods of transaction for PB customer groups, new account products or new non-account products for PB customer groups. It is preferable to include at least one or more profitability information according to the subscription.

In addition, the profitability information for the special customer group may include profitability information by the account product or non-account product of the special customer group, profitability information by transaction history of the special customer group, new account product or new non-account product of the special customer group. It is preferable to include at least one or more profitability information according to the subscription.

In addition, the profitability information of the corporate customer group includes profitability information of the corporate customer group's account products or non-account products, profitability information of the corporate customer group's transaction for a certain period, new account products of the corporate customer group, or new non-accounting products. It is preferable to include at least one or more profitability information according to the subscription.

In addition, profitability information for the general financial group includes investment finance profitability information, international finance profitability information, ABS (Asset-Backed Securities) profitability information, SOC (Social Overhead Capital) profitability information, restructuring profitability information, real estate profitability information, and credit profitability. It is preferable to include at least one or more information, received profitability information and the like.

Here, the investment finance profitability information preferably includes handling fees, potential interest income, and potential investment return for providing services such as won loans, foreign currency loans and payment guarantees.

In addition, the international financial profitability information preferably includes handling fees, potential interest income, and potential investment return to provide services such as foreign currency loans, payment guarantees, and equity investment.

In addition, the profitability information of Asset-Backed Securities (ABS) includes handling fees, potential interest income, and potential return on investment to provide services such as C / L agreements, commercial paper purchase agreements, and equity investments. desirable.

In addition, SOC (Social Overhead Capital) profitability information is preferably made up of handling fees, potential interest income, potential investment return to provide services such as won loans, equity investment for investment in infrastructure.

In addition, the restructuring profitability information is preferably made to include the potential return on investment through equity investment in the company under restructuring.

In addition, the real estate profitability information preferably includes handling fees, potential interest income, rental income by real estate lease, etc. for providing services such as loans or equity investment in real estate as collateral.

In addition, it is preferable that the credit profitability information includes interest income or potential interest income from won loans, interest income from potential loans, or potential interest income.

In addition, the received profitability information preferably includes potential profitability information that can be used to generate profit by using the deposit received by the won, the end payment, the trust reception, and the like.

In addition, the profitability information for the fund / international group includes at least one of won or foreign currency fund profitability information, foreign exchange business profitability information, derivatives profitability information, stock profitability information, bond profitability information, marketing profitability information, and the like. It is done.

Here, the won or foreign currency profitability information is preferably made including the potential interest income or service profit or loss, or won or foreign currency operating income through loans to the won or foreign currency.

In addition, it is desirable to calculate profitability by linking with profitability information for the fund / international group, which includes profitability information for which the profitability information is confirmed in the foreign exchange business information.

In addition, the derivatives profitability information is preferably made including the profits, operating fees, etc. according to the profits derived from derivatives management.

In addition, the stock profitability information is preferably made including the profits, operating fees, etc. according to the profits from the stock management.

In addition, the bond profitability information is preferably made to include the profits, operating fees, etc. according to the profits from the bond management.

In addition, the marketing profitability information is preferably made, including the potential product revenue through the sale of new products through marketing activities.

In addition, the profitability information for the trust group preferably comprises at least one or more trust profitability information, trust profitability information, fund profitability information.

Here, the trust profitability information may include profitability information based on earnings remuneration, profitability information based on real estate fees, or profitability information based on the number of drug information.

In addition, the trust profitability information is preferably made to include the profitability information according to the trust fee, the profitability information due to the asset storage fee.

In addition, the fund profitability information is preferably made to include the profitability information according to the commission commission.

Here, the profitability information for each branch or organization may include at least one of individual customer group profitability information, PB customer group profitability information, special customer group profitability information, comprehensive financial group profitability information, fund / international group profitability information, and trust group profitability information. It is preferable to comprise.

40 illustrates the configuration of a profitability prediction and prediction result operating system 186 for past profitability analysis and future profitability analysis according to an embodiment of the present invention.

More specifically, Figure 40 divides the unit of profitability calculation into seven for profitability analysis in the past, calculates the profitability of each unit according to the date in each of the seven servers, and calculates the results of the profit and loss prediction server ( 4000) shows a system for predicting and operating the past profitability analysis and the future profitability prediction, and those of ordinary skill in the art to which the present invention pertains, the present profitability in the past with reference to FIG. Various implementation methods for analyzing and predicting and operating future profitability predictions may be inferred, but the present invention is not limited to this figure 40 and includes all the implementation methods inferred.

Referring to FIG. 40 according to the embodiment of the present invention, the profitability prediction and prediction result management system 186 for predicting and operating past profitability analysis and future profitability prediction is performed by the individual customer group profitability calculation server 4005 and PB. Customer group profitability calculation server (4010), special customer group profitability calculation server (4015), corporate customer group profitability calculation server (4020), comprehensive financial group profitability calculation server (4025), fund / international group profitability calculation server (4030) And a trust group profit calculation server 4035, a profit and loss prediction server 4000, and a financial system 4050.

In addition, individual customer group profitability calculation server (4005), PB customer group profitability calculation server (4010), special customer group profitability calculation server (4015), corporate customer group profitability calculation server (4020), comprehensive financial group profitability calculation server (4025) ), The fund / international group profit calculation server 4030, the trust group profit calculation server 4035, the integrated profit calculation server may be provided inside the financial system 4050, or may be provided outside the financial system 4050. It may be.

In addition, individual customer group profitability calculation server (4005), PB customer group profitability calculation server (4010), special customer group profitability calculation server (4015), corporate customer group profitability calculation server (4020), comprehensive financial group profitability calculation server (4025) ), The fund / international group profit calculation server 4030, the trust group profit calculation server 4035, and the integrated profit calculation server may be provided in the form of modules on one or several servers.

Here, the integrated server receives the information of the PB customer group, the information receiving unit (or information receiving means) for receiving information of the individual customer group receiving information from the ledger D / B in connection with the external system of the financial system 4050 Information receiving unit, information receiving unit receiving special customer group information, information receiving unit receiving corporate customer group information, information receiving unit receiving information of comprehensive financial group, information receiving unit receiving information of funds / international group, trust At least one information receiving unit for receiving the information of the group is characterized by consisting of.

In addition, the integrated server is an information extraction unit (or information extraction means) for extracting information on the individual customer group of the information received from the information receiving unit, the information extraction unit for extracting the information for the PB customer group, special customer group An information extraction unit for extracting information about a corporate customer group, an information extraction unit for extracting information about a corporate customer group, an information extraction unit for extracting information about a comprehensive financial group, an information extraction unit for extracting information about a fund / international group, a trust At least one information extraction unit for extracting information about the group is characterized in that it comprises.

In addition, the integrated server is an information checking unit (or information verification means) for confirming the date-based profitability information for the individual customer group of the information extracted by the information extraction unit, confirming the information to confirm the profitability information for the PB customer group by date Department, information confirmation unit to check the profitability information by date for the special customer group, information confirmation unit to confirm the profitability information by date for the corporate customer group, information confirmation unit to confirm the profitability information by date for the comprehensive financial group, At least one information confirmation unit for verifying the profitability information by date for the fund / international group, at least one information confirmation unit for confirming the profitability information by date for the trust group is characterized in that it is made.

In addition, the integrated server is a profitability calculation unit (or profitability calculation means) for calculating the date-based profitability information for the individual customer group of the information confirmed by the information check unit, profitability calculation for calculating the date-specific profitability information for the PB customer group Wealth calculation department that calculates profitability information by date for special customer groups, Profitability calculation unit that calculates profitability information by date for corporate customer groups, Profitability calculation unit that calculates profitability information by date for comprehensive financial groups, At least one profitability calculation unit for calculating the date-based profitability information for the fund / international group, the profitability calculation unit for calculating the date-based profitability information for the trust group is characterized by consisting of.

In addition, the profitability calculation unit may calculate the profitability calculation results by the individual customer group date, the profitability calculation result by the PB customer group date, the profitability calculation result by the special customer group date, the profitability calculation result by the corporate customer group date, and the profitability calculation by the comprehensive financial group date. As a result, it is characterized in that it comprises at least one function that can calculate the profitability calculation results by date of the fund / international group, the profitability calculation results by the trust group date to calculate the profitability by date for each group.

In addition, the integrated server is the date of profitability calculation unit (or date profitability) that can calculate the profitability by date for the employee's organization to the date of profitability calculation results according to the employee of the individual customer group provided by the profitability calculation unit Calculation method), date of profitability calculation according to the employee of PB customer group, date profitability calculation unit to calculate the profitability by date for the employee's organization, and the profitability calculation result of the date according to the employee of special customer group. Date profitability calculation department to calculate daily profitability of employee's organization, date profitability calculation result according to employee of corporate customer group by date Daily profitability calculation results according to the calculation department and employees of the General Financial Group by date to calculate the profitability by date for the employee's organization Profitability calculation department, dated profitability calculation results according to employees of the fund / international group, dated profitability calculation department to calculate dated profitability for the employee's organization, and profitability calculation results according to the date of trust group employees Characterized in that it comprises at least one daily profitability calculation unit that can calculate the profitability by date for the employee's organization.

In addition, the integrated server is the date of profitability calculation unit (or date profitability) that can calculate the profitability by date for the employee's position of the day based on the profitability calculation result of the employee of the individual customer group provided by the profitability calculation unit Calculation method), date of profitability calculation according to the employee of PB customer group, date profitability calculation unit to calculate the profitability by date for the employee's branch, and the profitability calculation result by date of employee of special customer group. Date profitability calculation department that can calculate profitability by date for employee's branch office, and date profitability calculation result that can calculate the profitability by date for employee's branch office Date of profitability calculation results according to the calculation department and employees of the General Financial Group, by date to calculate the profitability by date for employees' branches Profitability calculation department, dated profitability calculation results according to employees of the fund / international group, dated profitability calculation department to calculate dated profitability for employees' branches, and profitability calculation results by date according to trust group employees It is characterized in that it comprises at least one profitability calculation unit for each date to calculate the profitability by date for the branch of the employee.

In addition, the integrated server analyzes the profitability of the past by using the profitability calculation results according to the employees of the individual customer group provided by the profitability calculation unit, the profitability prediction result calculation unit for predicting the future profitability, employees of the PB customer group Analyze past profitability using profitability calculation results according to the results, profitability prediction result calculation unit that predicts future profitability, and analyze profitability in the past using profitability calculation results according to employees of special customer groups, and future profitability Profitability prediction result calculation unit for predicting profitability, profitability prediction result calculation unit for analyzing future profitability using profitability calculation result according to employees of corporate customer group, profitability calculation result for employees of comprehensive financial group Use the results to analyze past profitability and predict future profitability. Analyze past profitability using profitability calculation results according to the employees of the group, profitability prediction result calculation unit predicting future profitability, and historical profitability analysis using profitability calculation results according to the trust group employees, Characterized in that it comprises at least one profitability prediction result calculation unit for predicting the future profitability.

In addition, the integrated server analyzes the profitability of the past by using the profitability information by date for the employee organization of the individual customer group provided by the profitability calculation unit by date, the profitability prediction result calculation unit for predicting the future profitability, Analyze past profitability using date-based profitability information of PB customer group's employee organization, and use profitability prediction result forecasting unit to predict future profitability, and use date-specific profitability information for employee organization of special customer group Analyze past profitability, analyze profitability in the past using profitability prediction result calculation unit that predicts future profitability and date profitability information of employee organization of corporate customer group, and predict future profitability By using the forecast result calculation unit and profitability information of each employee organization of the comprehensive financial group by date, Profit forecasting results calculating section for analyzing and predicting future profitability, profitability forecasting results calculating section for analyzing past profitability using profitability information by date of employee / organization organization of fund / international group and forecasting future profitability In addition, by analyzing the profitability of the past by using the profitability information by date for the employee organization of the trust group, characterized in that it comprises at least one profitability prediction result calculation unit for predicting the future profitability.

In addition, the integrated server analyzes the profitability of the past by using the date of profitability information for the employee affiliation branch of the individual customer group provided by the profitability calculation unit by date, the profitability prediction result calculation unit for predicting the future profitability, Analyze past profitability using date-based profitability information of employees 'branches of PB Customer Group, and use profitability prediction result calculation unit that predicts future profitability, and use date-specific profitability information of employees' branches of Special Customer Group. Analyze past profitability, analyze profitability in the past by using profitability prediction result calculation unit that predicts future profitability and date profitability information of employees' branches of corporate customer group, and predict future profitability Profitability in the past using forecast result calculation department and profitability information by date for employees' branches of the comprehensive financial group Profit forecasting result calculating section for analyzing and predicting future profitability, Profitability forecasting result calculating section for analyzing past profitability by using profitability information by date of employee's branch of fund / international group and predicting future profitability In addition, by analyzing the profitability of the past by using the profitability information for each day of the employee branch of the trust group, characterized in that it comprises at least one profitability prediction result calculation unit for predicting the future profitability.

In addition, the integrated server information storage unit (or information storage means) for storing the daily profitability information according to the employee calculated by the profitability calculation unit in the daily profitability calculation information D / B for the individual customer group, PB customer group Profitability calculation information stored in D / B for each day, Information storage unit stored in the profitability calculation information D / B for the special customer group, Profitability calculation information D / B for the corporate customer group Information storage stored in D / B, information storage stored in D / B for daily financial group, information storage stored in D / B for date for fund / international group, trust group Characterized in that it comprises at least one or more information storage for storing in the date-based profitability calculation information D / B for.

In addition, the integrated server information storage unit for storing the daily profitability information according to the group calculated by the profitability calculation unit in the daily profitability calculation information D / B for the individual customer group, the profitability calculation for the PB customer group by date Information storage to store in the information D / B, Information storage to save the profitability information by date for the special customer group D / B, Information storage to save the profitability calculation information D / B by date for the corporate customer group , Information storage to store profitability calculation information D / B by date for comprehensive financial group, information storage to save profitability calculation information D / B by date for fund / international group, profitability calculation by date for trust group At least one information storage unit for storing in the information D / B is characterized by consisting of.

In addition, the integrated server is an organization calculated by including at least one or more profitability calculation information by date for the individual customer group, PB customer group, corporate customer group, comprehensive financial group, funds / international group, trust group in the profitability calculation unit It characterized in that it comprises at least one or more information storage for storing in the date-based profitability information integrated server D / B according to.

In addition, the integrated server is calculated by including at least one profitability calculation information by date for the individual customer group, PB customer group, corporate customer group, comprehensive financial group, funds / international group, trust group in the profitability calculation unit It characterized in that it comprises at least one or more information storage for storing in the date-based profitability information integrated server D / B according to.

In addition, the integrated server information storage unit (or information storage means) for storing the daily profitability prediction information according to the employee calculated by the profitability calculation unit in the daily profitability prediction information D / B for the individual customer group, PB customer Profitability forecasting information stored in D / B for each group, Profitability forecasting information stored in D / B for special customer groups, Profitability forecasting information stored in D / B for special customer groups, D / B Information storage to store in B, profitability forecasting information by date for comprehensive financial group, information storage to save in D / B, information storage to save profitability prediction information for D / B by date for fund / international group, trust At least one information storage for storing in the date-based profitability prediction information D / B for the group is characterized in that it is made.

In addition, the integrated server information storage unit for storing the daily profitability prediction information according to the group calculated by the profitability calculation unit in the daily profitability prediction information D / B for the individual customer group, the daily profitability for the PB customer group Information storage to store in forecast information D / B, Information storage to save profitability forecast information for special customer group by date, Storage information to save profitability forecast information D / B by date for corporate customer group Department of information storage for date / time profitability forecast information for general financial group, information storage for date / day profitability forecast for fund / international group, information storage for date / time profitability for trust group And at least one information storage unit for storing the prediction information D / B.

In addition, the integrated server is calculated by the profitability calculation unit including at least one or more profitability prediction information by date for the individual customer group, PB customer group, corporate customer group, comprehensive financial group, funds / international group, trust group It characterized in that it comprises at least one or more information storage for storing in the date-based profitability prediction information integrated server D / B according to.

In addition, the integrated server is a point calculated by the profitability calculation unit including at least one or more profitability prediction information by date for the individual customer group, PB customer group, corporate customer group, comprehensive financial group, funds / international group, trust group It characterized in that it comprises at least one or more information storage for storing in the date-based profitability prediction information integrated server D / B according to.

In addition, the integrated server has a D / B for storing the profitability calculation results and profitability prediction results for each employee, group, organization, branch, or D for storing the profitability calculation results and profitability prediction results for each employee, group, organization, branch It is linked with a separate D / B server equipped with / B through a communication network.

According to the exemplary embodiment of the present invention, the individual customer group profitability calculation server 4005 may calculate profitability by date based on account products or non-account products of the individual customer group, or profitability calculation based on transaction details by date of the individual customer group. Providing a function of calculating the individual customer group profitability to calculate the profitability of the new account product or new non-account product subscription of the customer group.

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

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

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

In addition, 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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

According to an embodiment of the present invention, the PB customer group profitability calculation server 4010 may calculate profitability by account products or non-account products of the PB customer group or profitability calculation by transaction history of the PB customer group for a certain period of time, or PB customer group. Providing a function of calculating the profitability of the PB customer group to calculate the profitability of joining a new account product or a new non-account product.

According to the exemplary embodiment of the present invention, the special customer group profitability calculation server 4015 may calculate profitability by the account product or non-account product of the special customer group or profitability calculation or transaction by the special customer group for a certain period of time. It provides a special customer group profitability calculation function to calculate the profitability of the new account products or new non-account subscriptions.

According to the implementation method of the present invention, the corporate customer group profitability calculation server 4020 is a profitability calculation by the account product or non-account product of the corporate customer group or a profitability calculation or a corporate customer group by a certain period of transaction history of the corporate customer group Providing a function of calculating the profitability of the corporate customer group to calculate the profitability of the new account or join the new non-account product.

According to an embodiment of the present invention, the comprehensive financial group profitability calculation server 4025 may be provided by the investment financial or international financial or the asset-backed securities (ABS) or the social overhead capital (SOC) or the restructuring or real estate of the comprehensive financial group. It is characterized by providing a comprehensive financial group profitability calculation function for profitability calculation or profitability calculation based on credit management information of a comprehensive financial group, or profitability calculation based on received procurement information of a comprehensive financial group.

According to the implementation method of the present invention, the fund / international group profitability calculation server 4030 is the money / international group's won money management information or foreign currency fund management information, or the money / international group business information, or funds Fund / International Group Profitability Calculation for Profitability Calculation by Derivative Product Management Information of International Group or Fund / International Group Stock Management Information or Fund / International Group Bond Operation Information or Fund / International Group Marketing Performance Information It is characterized by providing a function.

According to the implementation method of the present invention, the trust group profit calculation server 4035 provides a trust group profit calculation function for profit calculation by trust information, or trust business information, or fund office management information of the trust group. It is done.

According to the exemplary embodiment of the present invention, the integrated profitability calculation server may include profitability information calculated by the individual customer group profitability calculation server 4005, profitability information calculated by the PB customer group profitability calculation server 4010, or the special information. Profitability information calculated by the customer group profitability calculation server 4015, profitability information calculated by the corporate customer group profitability calculation server 4020, or profitability information calculated by the comprehensive financial group profitability calculation server 4025, or funds / International group profitability calculation server 4030, characterized in that it provides an integrated profitability calculation function comprising at least one or more profitability information calculated by the trust group profitability calculation server 4035.

According to the implementation method of the present invention, the financial system 4050 is connected to at least one or more teller terminal provided in the branch (and / or branch) of the financial institution through a predetermined financial network (eg, our network). Characterized in that, through the counter terminal provides a financial transaction service of face to face at least one financial transaction customer.

In addition, the financial system 4050 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 4050 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 financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 4050 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; Or non-face-to-face financing to at least one financial transaction 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 financial system 4050 is characterized in that it is associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) At least one or more through at least one wireless terminal (e.g., a wireless terminal having a financial IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to financial transaction customers.

In addition, the financial system 4050 is characterized in that associated with a predetermined telebanking server, and is connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 4050 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 financial transaction services to at least one financial transaction customer.

In addition, the financial system 4050 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 40, the financial system 4050 is provided to a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. A computer system, comprising: an accounting system for processing a window service such as a credit or a reception or trust or a foreign exchange occurring in at least one branch (or a window), an information system for processing a headquarters business, support for store information, and customer information management And interconnection between the financial system 4050 and at least one other financial system 4050 (and / or payment system), and / or at least one non-face-to-face financial 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.) System 4050, and / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). 4050 is an interface module corresponding to a middleware platform that provides inter-component interfacing within the financial system 4050, and predetermined functions required for performing respective functions in the components in the financial system 4050. 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.).

Further, the financial system 4050 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 4050 and the purpose of the financial system 4050. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 4050, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

Figure 41 shows the system configuration for calculating the profitability of the individual customer teller according to the embodiment of the present invention.

More specifically, Figure 41 shows customer information (eg, social security number, etc.), one or more subscription account information (eg, savings account, savings account, etc.) or subscription account information (eg, foreign exchange product (heritage) for calculating profitability of the individual customer group. Import and export transaction products, etc.), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), employee information in charge of subscription accounts or subscription accounts, Extract the transaction information for a certain period of time associated with the customer information, the employee information in charge of the transaction history, new subscription account information or new subscription account information, new subscription account information or new subscription account information, As the present invention shows an internal configuration of a system for calculating profitability for each employee by extracting information about individual customers from the extracted information, Those skilled in the art will be able to infer various implementation methods of the system for calculating profitability of the individual customer group with reference to this drawing 41, but the present invention is not limited to this drawing 41, Includes all 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

In addition, 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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

According to the implementation method of the present invention, the profitability calculation system of the individual customer teller of the customer profitability calculation by account products or non-account products of the individual customer group or the profitability calculation by the transaction history of the individual customer group or the individual customer group Personal customer group profitability calculation server 4005 for calculating the profitability of joining a new account product or a new non-account product, at least one of the face-to-face or non-face-to-face financial transaction channels provided at a branch (or branch) of a financial institution; It is characterized in that it comprises a financial system (4050) for providing one or more financial transactions (for example, credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) services.

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

In addition, it is preferable that the non-accounting products include one or more commodities such as foreign currency products, derivatives, securities, and ancillary services.

The personal customer group profitability calculation server 4005 includes customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, employee information in charge of the subscription account or subscription fee account, and the customer information. The transaction history, the employee information in charge of the transaction history, the new subscription account information or the new subscription fee account information is extracted from the financial system 4050 for a predetermined period of time. The method of checking is preferable, and if the person having ordinary knowledge in the field to which the present invention belongs, the cost for the employee in charge of the individual customer in the method of confirming the profitability of the individual customer group with reference to FIG. Various information for calculating profitability of individual customer groups such as employee wages, etc. may be added. The cost factor is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

It is preferable that the direct costs mean labor costs, labor costs, marketing costs, other goods costs, eastern 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 4005 may include a D / B for storing profitability calculation results of the individual customer group for each channel or employee, or a D / B for storing profitability calculation results for the individual customer group for each channel or employee. Interworking with a separate D / B server having a B and a communication network.

Referring to FIG. 41, the personal customer group profitability calculation server 4005 receives an information receiver 4100 (or information) for receiving information from the ledger D / B 4150 in association with the external system of the financial system 4050. Receiving means), information extracting unit 4105 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 4150, and profitability information among the information extracted from the ledger D / B 4150. Information confirmation unit 4110 (or information confirmation means) to confirm, the profitability calculation unit 4115 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B It is characterized by comprising an information storage unit 4120 (or information storage means).

Here, the ledger D / B 4150 is a D / B provided in the financial system 4050. The ledger D / B 4150 includes customer information, account information, and non-account required for calculating profitability for the individual customer group. It is preferable to include information, staff information, transaction history information.

According to the exemplary embodiment of the present invention, the information receiving unit 4100 may include the customer information, the account information and account employee information subscribed to the customer, or the non-account information and non-account employee information registered by the customer or the customer transactions. Employee information that processed a transaction and transaction, or new account information and new account holder information for a new account, or a new member account information and a new member account information. Receiving the ledger information from the ledger D / B (4150) in association with the external system of the financial system 4050 is provided to the information extraction unit 4105.

Here, the ledger information includes customer information, account information, non-account information, employee information, transaction history information requested by the financial system 4050 from the individual customer group profitability calculation server 4005 in order to calculate profitability for the individual customer group. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information extracting unit 4105 may include the customer information received from the information receiving unit 4100, one or more subscription account information or subscription fee account information associated with the customer information, the subscription account or subscription fee. Extract the information on the individual customer from the employee information in charge of the account and provide it to the information check unit 4110, or for a predetermined period of time associated with the customer information, the customer information received by the information receiving unit 4100 Transaction information of the customer, the employee information in charge of the transaction history to extract the information about the individual customer provided to the information check unit 4110, or the customer information received from the information receiving unit 4100, the customer information The information on the individual customer among the new subscription account information or the new subscription cost information associated with the employee information, and the employee information managing the new subscription account or the new subscription fee account. Extracts and provides it to the information checking unit 4110.

According to the exemplary embodiment of the present invention, the information checking unit 4110 may include the customer information extracted from the information extracting unit 4105, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. From the information on the individual customer of the employee information in charge of the account account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 4105, transaction history for a certain period associated with the customer information, Transaction profitability information from personal information among the employee information in charge of the transaction history, the customer information extracted from the information extraction unit 4105, new subscription account information or new subscription account information associated with the customer information, The number of new subscription accounts from the information on the individual customer among the employee information managing the new subscription account or the new subscription fee account Determine the configuration information or new subscription account profitability information will be available in the information storage unit 4120 and the profitability of the calculating unit (4115).

The profitability calculation unit 4115 may include subscription account profitability information for individual customers or subscription non-account profitability information for individual customers or transaction profitability information for individual customers or new subscriptions for individual customers provided by the information checking unit 4110. Profitability is calculated by linking with profitability information for a plurality of individual customers including at least one account profitability information or new subscription non-account profitability information for individual customers, and stores information on the calculated profitability information for individual customers Provided to section 4120.

According to the implementation method of the present invention, the profitability calculation unit 4115 borrows the deposit for the savings account or savings account from the subscription account information for the individual customer and receives profits such as interest income or loan interest income for the loan account. It is desirable to calculate the information by date.

In this case, the subscription account profitability information for the individual customer may include at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

In addition, the profitability calculation unit 4115 may include a handling fee for a foreign exchange commodity transaction, a handling fee for a derivative product, a handling fee for a derivative product, a handling fee for a securities, or an incidental service for a securities. It is desirable to calculate profitability information such as Korean handling fees by date.

In this case, the subscription non-account profitability information for the individual customer may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for derivatives, a handling fee for securities, or a handling fee for ancillary services. desirable.

In addition, the profitability calculation unit 4115 for the individual customer preferably calculates profitability information such as handling fees for the unpaid deposit in the transaction history by date.

Here, the transaction profitability information for the individual customer is preferably made including a handling fee for the passbook deposit.

In addition, the new subscription account profitability information for the individual customer is the potential interest profitability and new loans for the potential interest profitability or new loan loans that can be borrowed and receive interest on the newly registered savings account or newly subscribed savings account It is preferable to include at least one or more loan handling fees for.

In this case, the new subscription account profitability information for the individual customer is a potential interest profitability or a new loan for the new loan savings account or a new loan savings account and the potential interest profitability or loan for the new loan. It is preferable to include at least one or more loan handling fees for.

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

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

According to an embodiment of the present invention, the information storage unit 4120 stores the profitability information provided by the profitability calculation unit 4115 in a D / B provided in the personal customer group profitability calculation server 4005 or calculates the profitability. Interworking with a separate D / B server having a D / B for storing the profitability information provided by the unit 4115 through a communication network.

According to the implementation method of the present invention, the financial system 4050 is linked to the personal customer group profitability calculation server 4005 in connection with the ledger D / B (4150) in the financial system 4050, the individual customer A function for providing to the group profitability calculation server 4005 is provided, and a detailed description of the internal configuration has been described with reference to FIG.

Further, the ledger information for the ledger D / B 4150 of the financial system 4050 includes more information than the information shown in the ledger D / B 4150 of the financial system 4050 shown in FIG. Only the information for calculating customer group profitability is shown.

42 is a sign-up account profitability information for individual customers, profitability information for individual customers, transaction profitability information for individual customers, new profits for individual customers according to the method of the present invention The operation flow of the system for calculating individual customer profitability, which includes at least one subscription account profitability information and new subscription non-account profitability information for individual customers, is illustrated.

In more detail, the drawing 42 obtains the ledger information from the ledger D / B 4150 of the financial system 4050 shown in FIG. 40 and the individual through the individual customer group profitability calculation server 4005 shown in the drawing 41. The above five conditions of the customer group (subscription account profitability information for individual customers, subscription account profitability information for individual customers, transaction profitability information for individual customers, new subscription account profitability information for individual customers, new subscription costs for individual customers Account profitability information) to check the profitability information and to store and register in the D / B of the individual customer group profitability calculation server 4005, if the person having ordinary knowledge in the field to which the present invention belongs, It will be able to infer various implementation methods of the system for calculating the profitability of the individual customer group with reference to 42, but the present invention is not limited to this figure 42, the analogy It includes any method embodiment.

Hereinafter, in Fig. 42, the personal customer group profitability calculation server 4005 shown in Fig. 41 is referred to as &quot; server &quot;

Referring to FIG. 42A, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4150 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4150 to the server (4200a).

Here, the ledger information means customer information stored in the ledger D / B 4150 of the financial system 4050, registered account information associated with the customer information, and employee information in charge of the registered account. desirable.

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the subscription account information from the ledger information and extracts the information on the individual customer group from the subscription account information (4205a).

If information about groups other than the individual customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 4210a.

Thereafter, the server calculates the profitability of the subscription account corresponding to the individual customer group (4215a), and stores and registers the calculated profitability information on the server storage medium 4130 (4220a).

In this case, the subscription account profitability information for the individual customer may include at least one or more of the unpaid deposit fee, loan interest income for the loan account, and the like.

Referring to FIG. 42B, the server connects to the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4150 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4150 to the server (4200b).

Here, the ledger information means customer information stored and registered in the ledger D / B 4150 of the financial system 4050, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account. desirable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the subscription ratio account information from the ledger information and extracts the information about the individual customer group from the subscription ratio account information (4205b).

If information about groups other than the individual customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 4210b.

Afterwards, the server calculates the profitability of the subscription fee account corresponding to the individual customer group (4215b), and stores and registers the calculated profitability information on the server storage medium 4130 (4220b).

In this case, the subscription non-account profitability information for the individual customer may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for derivatives, a handling fee for securities, or a handling fee for ancillary services. desirable.

Referring to FIG. 42C, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4150 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4150 to the server (4200c).

Here, the ledger information means customer information stored and registered in the ledger D / B 4150 of the financial system 4050, transaction history information associated with the customer information, and employee information in charge of the transaction details. desirable.

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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts transaction history information from the ledger information and extracts information about the individual customer group from the transaction history information (4205c).

If information about groups other than the individual customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only part is processed (4210c).

Thereafter, the server calculates the profitability of the transaction history corresponding to the individual customer group (4215c), and stores and registers the calculated profitability information on the server storage medium 4130 (4220c).

Here, the transaction profitability information for the individual customer is preferably made including a handling fee for the passbook deposit.

Referring to FIG. 42D, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4150 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4150 to the server (4200d).

Here, the ledger information means customer information stored and registered in the ledger D / B 4150 of the financial system 4050, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. It is desirable to.

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the new subscription account information from the ledger information and extracts the information about the individual customer group from the new subscription account information (4205d).

When extracting information on groups other than the individual customer group from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 4210d.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the individual customer group (4215d), and stores and registers the calculated profitability information on the server storage medium 4130 (4220d).

Here, the profitability information of the new subscription account for the individual customer is related to the potential interest profitability or the new interest loan on the new loan or savings account or the new interest saving account. It is preferable to include at least one or more loan handling fees.

Referring to FIG. 42E, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4150 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4150 to the server (4200e).

Here, the ledger information means customer information stored and registered in the ledger D / B 4150 of the financial system 4050, new subscription fee account information associated with the customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

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

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

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

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the new subscription fee account information from the ledger information, and extracts the information about the individual customer group from the new subscription fee account information (4205e).

If information about groups other than the individual customer group is extracted from the subscription account information, the information is processed according to each group by referring to the information shown in the other drawings of the present invention. Process only 4210e.

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the individual customer group (4215e), and stores and registers the calculated profitability information on the server storage medium 4130 (4220e).

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

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

More specifically, FIG. 43 shows customer information (eg, social security number, etc.), one or more subscription account information (eg, savings account, savings account, etc.) or subscription cost account information (eg, foreign exchange product (heritage) for calculating profitability of the PB customer group. Import / export transaction products, etc.), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), employee information in charge of subscription accounts or subscription accounts, Extract the transaction information for a certain period of time associated with the customer information, the employee information in charge of the transaction history, new subscription account information or new subscription account information, new subscription account information or new subscription account information, As the internal configuration of the system for calculating profitability for each employee of a window for the PB customer group by extracting information about the PB customer from the extracted information, the present invention belongs to If one of ordinary skill in the art with reference to this figure 43 can be inferred various implementation methods of the system for calculating the profitability of the PB customer group, the present invention is not limited to this figure 43, all inferred It includes the method of implementation.

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

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

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

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

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

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

In addition, the transaction details, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

According to the method of the present invention, the profitability calculation system of the PB customer counter staff includes the profitability calculation by the account product or the non-account product of the PB customer group or the profitability calculation by the transaction history of the PB customer group or the PB customer group. PB customer group profitability calculation server 4010 for calculating the profitability of joining a new account product or a new non-account product, at least one of the face-to-face or non-face-to-face financial transaction channels provided at a branch (or branch) of a financial institution. It is characterized in that it comprises a financial system (4050) for providing one or more financial transactions (for example, credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) services.

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 4010 may include customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, employee information in charge of the subscription account or subscription fee account, and the customer information. The profitability of the PB customer group for each employee based on the employee information by extracting the transaction history, the employee information in charge of the transaction history, the new subscription account information or the new subscription fee account information from the financial system 4050 The method of checking is preferable, and if the person having ordinary knowledge in the field to which the present invention belongs, the cost for the employee in charge of the PB customer in the method of confirming the profitability of the PB customer group with reference to FIG. Various information for calculating profitability of PB customer group such as employee wage, etc. can be added. Element is omitted because it was not used in calculating profitability city.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

The PB customer group profitability calculation server 4010 may include a D / B for storing profitability calculation results of the PB customer group for each channel / employee or a D / B for storing profitability calculation results of the PB customer group for each channel / employee. Interworking with a separate D / B server having a B and a communication network.

Referring to FIG. 43, the PB customer group profitability calculation server 4010 receives an information receiver 4300 (or information) for receiving information from the ledger D / B 4350 in association with the external system of the financial system 4050. Receiving means), an information extracting unit 4305 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 4350, and profitability information among the information extracted from the ledger D / B 4350. The information checking unit 4310 (or information checking means) for checking, the profitability calculating unit 4315 (or profitability calculating means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B. An information storage unit 4320 (or information storage means) is provided.

Here, the ledger D / B 4350 is a D / B provided in the financial system 4050. The ledger D / B 4350 includes customer information, account information, and non-account required for calculating profitability for the PB customer group. It is preferable to include information, staff information, transaction history information.

According to the embodiment of the present invention, the information receiving unit 4300 is the customer information, the account information and account employee information subscribed to the customer or the non-account information and non-account employee information subscribed to the customer or the customer transactions Employee transaction information and transaction information or new subscription account information and new account holder information for accounts newly registered by the customer, or new subscription account information and new entry account staff members newly registered by the customer. Information including at least one information is provided to the information extraction unit 4305 by receiving ledger information from the ledger D / B 4350 in association with the external system of the financial system 4050.

Here, the ledger information includes customer information, account information, non-account information, employee information, transaction history information that the PB customer group profitability calculation server 4010 requests from the financial system 4050 to calculate profitability for the PB customer group. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information extracting unit 4305 may include the customer information received from the information receiving unit 4300, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extract the information on the PB customer from the employee information in charge of the information provided to the information verification unit 4310 or the customer information received from the information receiving unit 4300, for a predetermined period associated with the customer information Transaction information, and extracts the information about the PB customer from the employee information in charge of the transaction history provided to the information verification unit 4310, or the customer information received from the information receiving unit 4300 and the customer information; Extract information on PB customers from linked new subscription account information or new subscription cost account information, employee information managing the new subscription account or new subscription cost account. Over the information and provides the confirmation unit 4310.

According to an exemplary embodiment of the present invention, the information checking unit 4310 may include the customer information extracted by the information extracting unit 4305, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Among the employee information in charge of the PB customer information from the subscription account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 4305, transaction history for a certain period associated with the customer information, Among the employee information in charge of the transaction details, transaction profitability information from PB customer information, or the customer information extracted from the information extraction unit 4305, new subscription account information or new subscription account information associated with the customer information, The profitability information of the new subscription account from the information of the PB customer among the employee information managing the new subscription account or the new subscription fee account Alternatively, the new subscription cost account profitability information is checked and provided to the information storage unit 4320 and the profitability calculation unit 4315.

The profitability calculation unit 4315 is a subscription account profitability information for a PB customer or a subscription non-account profitability information for a PB customer or a transaction profitability information for a PB customer or a new subscription for a PB customer provided by the information checking unit 4310. Profitability is calculated by linking with profitability information for various PB customers including at least one of account profitability information or new subscription cost account information for PB customers, and storing information on the calculated PB customers. Provided to section 4320.

According to the implementation method of the present invention, the profitability calculator 4315 is a profitability such as interest income or loan interest income for the loan account borrowed from the savings account or savings account from the subscription account information for the PB customer receives interest It is desirable to calculate the information by date.

In this case, the subscription account profitability information for the PB customer preferably includes at least one of the unpaid deposit fee, the interest interest on the loan for the loan account, and the like.

In addition, the profitability calculation unit 4315 may calculate the handling fee for the foreign exchange commodity transaction, the handling fee for the derivatives, the handling fee for the derivatives, the handling fee for the securities, or the incidental service in the subscription fee account information for the PB customer. It is desirable to calculate profitability information such as Korean handling fees by date.

Herein, the profitability information of the subscription fee for the PB customer includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services. desirable.

In addition, it is preferable that the profitability calculation unit 4315 for the PB customer calculates profitability information such as handling fees for the unpaid bank deposit in the transaction history by date.

Here, the transaction profitability information for the PB customer is preferably made including a handling fee for the passbook deposit.

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

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

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

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

According to an embodiment of the present invention, the information storage unit 4320 stores the profitability information provided by the profitability calculation unit 4315 in a D / B provided in the PB customer group profitability calculation server 4010 or calculates the profitability. It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 4315 through a communication network.

According to the implementation method of the present invention, the financial system 4050 is linked to the PB customer group profitability calculation server 4010, the ledger information in connection with the ledger D / B 4350 in the financial system 4050 PB customer It provides a function for providing to the group profit calculation server 4010, and detailed description of the internal configuration has been described with reference to FIG.

Further, the ledger information for the ledger D / B 4350 of the financial system 4050 has more information than the information shown in the ledger D / B 4350 of the financial system 4050 shown in FIG. Only the information for calculating customer group profitability is shown.

Figure 44 shows the profitability information of subscription accounts for PB customers, profitability information for subscription accounts for PB customers, transaction profitability information for PB customers, and new 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 subscription account profitability information and new subscription non-account profitability information for PB customers is illustrated.

More specifically, FIG. 44 shows the ledger information from the ledger D / B 4350 of the financial system 4050 shown in FIG. 40, and the PB customer through the PB customer group profitability calculation server 4010 shown in FIG. The above five conditions of the Group (subscription account profitability information for PB customers, subscription cost account profitability information for PB customers, transaction profitability information for PB customers, new subscription account profitability information for PB customers, and new subscription account accounts for PB customers Profitability information) to check the profitability information about the process of storing and registering in the D / B of the PB customer group profitability calculation server 4010, if the person having ordinary knowledge in the field of the present invention, this drawing 44 By referring to the various implementation methods of the system for calculating the profitability of the PB customer group can be inferred, the present invention is not limited to this Figure 44, but includes all the implementation methods inferred The.

Hereinafter, in FIG. 44, the PB customer group profitability calculation server 4010 shown in FIG. 43 is referred to as "server" for convenience.

Referring to FIG. 44A, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4350 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4350 to the server (4400a).

Here, the ledger information means customer information stored and registered in the ledger D / B 4350 of the financial system 4050, subscription account information associated with the customer information, and employee information in charge of the subscription account. desirable.

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the subscription account information from the ledger information and extracts the information about the PB customer group from the subscription account information (4405a).

If information about groups other than the PB customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 4410a.

Thereafter, the server calculates the profitability of the subscription account corresponding to the PB customer group (4415a), and stores and registers the calculated profitability information on the server storage medium 4330 (4420a).

In this case, the subscription account profitability information for the PB customer preferably includes at least one of the unpaid deposit fee, the interest interest on the loan for the loan account, and the like.

Referring to FIG. 44B, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4350 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4350 to the server (4400b).

Here, the ledger information means customer information stored and registered in the ledger D / B 4350 of the financial system 4050, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account. desirable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the subscription ratio account information from the ledger information, and extracts information about the PB customer group from the subscription ratio account information (4405b).

If information about groups other than the PB customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 4410b.

Thereafter, the server calculates the profitability of the subscription fee account corresponding to the PB customer group (4415b), and stores and registers the calculated profitability information on the server storage medium 4330 (4420b).

Herein, the profitability information of the subscription fee for the PB customer includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services. desirable.

Referring to FIG. 44C, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4350 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4350 to the server (4400c).

Here, the ledger information means customer information stored and registered in the ledger D / B 4350 of the financial system 4050, transaction history information associated with the customer information, and employee information in charge of the transaction details. desirable.

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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

In addition, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 4050 as described above, the server extracts transaction history information from the ledger information and extracts information on the PB customer group from the transaction history information (4405c).

If information about groups other than the PB customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 4410c.

Thereafter, the server calculates the profitability of the transaction history corresponding to the PB customer group (4415c), and stores and registers the calculated profitability information on the server storage medium 4330 (4420c).

Here, the transaction profitability information for the PB customer is preferably made including a handling fee for the passbook deposit.

Referring to FIG. 44D, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4350 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4350 to the server (4400d).

Here, the ledger information means customer information stored and registered in the ledger D / B 4350 of the financial system 4050, new subscription account information associated with customer information, and employee information in charge of the new subscription account. It is desirable to.

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts new subscription account information from the ledger information, and extracts information on the PB customer group from the new subscription account information (4405d).

If information on groups other than the PB customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 4410d.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the PB customer group (4415d), and stores and registers the calculated profitability information on the server storage medium 4330 (4420d).

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

Referring to FIG. 44E, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4350 for the profitability calculation to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4350 to the server (4400e).

Here, the ledger information means customer information stored and registered in the ledger D / B 4350 of the financial system 4050, new subscription fee account information associated with the customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

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

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

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

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the new subscription fee account information from the ledger information and extracts the information about the PB customer group from the new subscription fee account information (4405e).

If information about groups other than the PB customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 4410e.

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the PB customer group (4415e), and stores and registers the calculated profitability information on the server storage medium 4330 (4420e).

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

45 shows a system configuration for calculating the profitability of the special customer service staff according to the embodiment of the present invention.

More specifically, FIG. 45 shows customer information (eg, social security number, etc.), one or more subscription account information (eg, savings account, savings account, etc.) or subscription account information (eg, foreign exchange product (heritage) for calculating profitability of a special customer group. Import / export trades, etc.), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), employee information in charge of subscription accounts or subscription accounts, Extract the transaction information for a certain period of time associated with the customer information, the employee information in charge of the transaction history, new subscription account information or new subscription account information, new subscription account information or new subscription account information, The internal configuration of the system for calculating profitability for each employee of a window for a special customer group by extracting information about the special customer from the extracted information is illustrated. Those skilled in the art can infer various implementation methods of the system for calculating the profitability of the special customer group with reference to this drawing 45. However, the present invention is not limited to this drawing 45. Includes all 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

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

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

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

In addition, the transaction details, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

According to the implementation method of the present invention, the profitability calculation system of the employee of the special customer service desk calculates the profitability calculation by the account product or the non-account product of the special customer group or the profitability calculation by the transaction history of the special customer group or the special customer group. Special customer group profitability calculation server 4015 for calculating the profitability of joining a new account product or a new non-account product, at least one of the face-to-face or non-face-to-face financial transaction channels provided at a branch (or branch) of a financial institution. It is characterized in that it comprises a financial system (4050) for providing one or more financial transactions (for example, credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) services.

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

In addition, it is preferable that the non-accounting products include one or more commodities such as foreign currency products, derivatives, securities, and ancillary services.

The special customer group profitability calculation server 4015 includes customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, employee information in charge of the subscription account or subscription cost account, and the customer information. The profitability of the special customer group for each employee based on the employee information by extracting the transaction history, the employee information in charge of the transaction history, the new subscription account information or the new subscription fee account information from the financial system 4050 It is preferable to check the method, and those skilled in the art to which the present invention pertains, refer to the drawing 45, the cost required for the employee in charge of the special customer in the method of checking the profitability of the special customer group (for example, A variety of information can be added to calculate profitability of special customer groups such as employee wages. The factor of cost is not shown because it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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 special customer group profitability calculation server 4015 may include a D / B for storing profitability calculation results of the special customer group for each channel or employee, or a D / B for storing profitability calculation results for the special customer group for each channel or employee. Interworking with a separate D / B server having a B and a communication network.

Referring to FIG. 45, the special customer group profitability calculation server 4015 receives an information receiver 4500 (or information) for receiving information from the ledger D / B 4550 in association with the external system of the financial system 4050. Receiving means), information extracting unit 4505 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 4550, and profitability information among the information extracted from the ledger D / B 4550. The information checking unit 4510 (or information checking means) for checking, the profitability calculating unit 4515 (or profitability calculating means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B. An information storage section 4520 (or information storage means) is provided.

Here, the ledger D / B 4550 is a D / B provided in the financial system 4050. The ledger D / B 4550 includes customer information, account information, and non-account required for calculating profitability for a special customer group. It is preferable to include information, staff information, transaction history information.

According to the embodiment of the present invention, the information receiving unit 4500 is the customer information, the account information and account employee information subscribed to the customer or the non-account information and non-account employee information subscribed to the customer or the customer transactions Employee information that processed a transaction and transaction, or new account information and new account holder information for a new account, or a new member account information and a new member account information. Receives the ledger information from the ledger D / B (4550) in association with the external system of the financial system 4050 is provided to the information extraction unit 4505.

Here, the ledger information includes customer information, account information, non-account information, employee information, transaction history information that the special customer group profitability calculation server 4015 requests from the financial system 4050 to calculate profitability for the special customer group. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information extracting unit 4505 may include the customer information received from the information receiving unit 4500, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extract the information on the special customer from the employee information in charge of the information provided to the information check unit 4510, or the customer information received from the information receiving unit 4500, for a predetermined period associated with the customer information Transaction information, and extracts the information on the special customer from the employee information in charge of the transaction history to the information verification unit 4510, or the customer information received from the information receiving unit 4500 and the customer information; The information on the special customer among the linked new subscription account information or new subscription fee account information, employee information managing the new subscription account or new subscription fee account. Extracts and provides it to the information checking unit 4510.

According to the exemplary embodiment of the present invention, the information checking unit 4510 may include the customer information extracted by the information extracting unit 4505, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Among the employee information in charge of the customer's information on the subscription account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 4505, transaction history for a certain period associated with the customer information, The transaction profitability information from the information on the special customer among the employee information in charge of the transaction details, the customer information extracted from the information extraction unit 4505, new subscription account information or new subscription account information associated with the customer information, The number of new subscription accounts from the information on special customers among the employee information managing the new subscription account or the new subscription fee account. Determine the configuration information or new subscription account profitability information will be available in the information storage unit (4520) and the profitability of the calculating unit (4515).

The profitability calculation unit 4515 is a subscription account profitability information for the special customer provided by the information verification unit 4510 or a non-account subscription profitability information for the special customer or transaction profitability information for the special customer or a new subscription for the special customer Profitability is calculated by linking profitability information for various special customers including at least one of account profitability information or new subscription non-account profitability information for special customers, and storing the calculated profitability information for the special customers. Provided to the section 4520.

According to the implementation method of the present invention, the profitability calculator 4515 is a profitability such as interest income or loan interest income for the loan account for borrowing the deposit for the savings account or savings account from the subscription account information for the special customer It is desirable to calculate the information by date.

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

In addition, the profitability calculation unit 4515 may include a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an incidental service in a subscription fee account information for a special customer. It is desirable to calculate profitability information such as Korea's water supply fee by date.

The profitability information of the subscription fee for the special customer may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a security, or a handling fee for ancillary services. desirable.

In addition, the profitability calculation unit 4515 for the special customer preferably calculates profitability information such as handling fees for the unpaid deposit in the transaction by date.

Here, the transaction profitability information for the special customer is preferably made including a handling fee for the passbook deposit.

In addition, the new subscription account profitability information for the special customer is the potential interest profitability and new loans for the potential interest profitability or new loan loans that can be borrowed and receive interest on the newly registered savings account or newly subscribed savings account It is preferable to include at least one or more loan handling fees for.

Here, the profitability information of the new subscription account for the special customer is a potential interest profitability or a new interest loan for a new loan or savings account or a new interest saving account, and a potential interest profitability or loan for a new loan. It is preferable to include at least one or more loan handling fees for.

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

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

According to an exemplary embodiment of the present invention, the information storage unit 4520 stores the profitability information provided by the profitability calculation unit 4515 in a D / B provided in the special customer group profitability calculation server 4015 or calculates the profitability. It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 4515 through a communication network.

According to the implementation method of the present invention, the financial system 4050 in conjunction with the special customer group profitability calculation server 4015 in conjunction with the ledger D / B (4550) in the financial system 4050 special customer information A function for providing to the group profit calculation server 4015 is provided, and a detailed description of the internal configuration has been described with reference to FIG.

Further, the ledger information for the ledger D / B 4550 of the financial system 4050 has more information than the information shown in the ledger D / B 4550 of the financial system 4050 shown in FIG. Only the information for calculating customer group profitability is shown.

Figure 46 shows the profitability information of the subscription account for the special customer, profitability information for the non-account subscription for the special customer, profitability information for the special customer, new for the special customer according to the implementation method of the present invention The operation flow of the system for calculating the profitability of a special customer, which includes at least one subscription account profitability information and new subscription non-account profitability information for a special customer, is shown.

More specifically, the drawing 46 obtains the ledger information from the ledger D / B 4550 of the financial system 4050 shown in FIG. 40, and the special customer through the special customer group profitability calculation server 4015 shown in the drawing 45. The above five conditions of the Group (subscription account profitability information for special customers, subscription account profitability information for special customers, transaction profitability information for special customers, new subscription account profitability information for special customers, new subscription account accounts for special customers) Profitability information) to check the profitability information, and to store and register in the D / B of the special customer group profitability calculation server 4015, if the person having ordinary knowledge in the field of the present invention, this figure 46 With reference to the various implementation methods of the system for calculating the profitability of the special customer group can be inferred, the present invention is not limited to this figure 46, the analogy It includes any method embodiment.

Hereinafter, in FIG. 46, the special customer group profitability calculation server 4015 shown in FIG. 45 is referred to as "server" for convenience.

46A, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4550 for calculating the profitability to the server. In response, the financial system 4050 provides the ledger information of the ledger D / B 4550 to the server (4600a).

Here, the ledger information means customer information stored and registered in the ledger D / B 4550 of the financial system 4050, subscription account information associated with the customer information, and employee information in charge of the subscription account. desirable.

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the subscription account information from the ledger information, and extracts the information about the special customer group from the subscription account information (4605a).

If information on groups other than the special customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 4610a.

Thereafter, the server calculates the profitability of the subscription account corresponding to the special customer group (4615a), and stores and registers the calculated profitability information on the server storage medium 4530 (4620a).

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

46B, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4550 for calculating the profitability to the server. In response, the financial system 4050 provides the ledger information of the ledger D / B 4550 to the server (4600b).

Here, the ledger information means customer information stored and registered in the ledger D / B 4550 of the financial system 4050, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account. desirable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the subscription ratio account information from the ledger information and extracts the information about the special customer group from the subscription ratio account information (4605b).

If information on groups other than the special customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 4610b.

After that, the server calculates the profitability of the subscription fee account corresponding to the special customer group (4615b), and stores and registers the calculated profitability information on the server storage medium 4530 (4620b).

The profitability information of the subscription fee for the special customer may include at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a security, or a handling fee for ancillary services. desirable.

46C, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4550 to calculate the profitability to the server. In response, the financial system 4050 provides the ledger information of the ledger D / B 4550 to the server (4600c).

Here, the ledger information means customer information stored and registered in the ledger D / B 4550 of the financial system 4050, transaction history information associated with the customer information, and employee information in charge of the transaction details. desirable.

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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts transaction history information from the ledger information, and extracts information about a special customer group from the transaction history information (4605c).

If information about groups other than the special customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 4610c.

Thereafter, the server calculates the profitability of the transaction history corresponding to the special customer group (4615c), and stores and registers the calculated profitability information on the server storage medium 4530 (4620c).

Here, the transaction profitability information for the special customer is preferably made including a handling fee for the passbook deposit.

46D, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4550 for calculating the profitability to the server. In response, the financial system 4050 provides the ledger information of the ledger D / B 4550 to the server (4600d).

Here, the ledger information means customer information stored and registered in the ledger D / B 4550 of the financial system 4050, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. It is desirable to.

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts new subscription account information from the ledger information, and extracts information about a special customer group from the new subscription account information (4605d).

If information on groups other than the special customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only process (4610d).

Thereafter, the server calculates the profitability of the new subscription account corresponding to the special customer group (4615d), and stores and registers the calculated profitability information on the server storage medium 4530 (4620d).

Here, the profitability information of the new subscription account for the special customer is related to the potential interest profitability that can be borrowed and receive interest on the newly registered savings account or the newly registered savings account, or the potential interest profitability on the new loan or the new loan. It is preferable to include at least one or more loan handling fees.

Referring to FIG. 46E, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4550 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4550 to the server (4600e).

Here, the ledger information means customer information stored and registered in the ledger D / B 4550 of the financial system 4050, new subscription fee account information associated with the customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

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

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

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

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the new subscription ratio account information from the ledger information, and extracts the information about the special customer group from the new subscription ratio account information (4605e).

If information on groups other than the special customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only (4610e).

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the special customer group (4615e), and stores and registers the calculated profitability information on the server storage medium 4530 (4620e).

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

Figure 47 shows the system configuration for calculating the profitability of the employee of the enterprise customer service window according to the embodiment of the present invention.

More specifically, Figure 47 shows customer information (eg, social security number, etc.), one or more subscription account information (eg, savings account, savings account, etc.) or subscription cost account information (eg, foreign exchange product (heritage) for calculating profitability of the corporate customer group. Import / export trades, etc.), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), employee information in charge of subscription accounts or subscription accounts, Extract the transaction information for a certain period of time associated with the customer information, the employee information in charge of the transaction history, new subscription account information or new subscription account information, new subscription account information or new subscription account information, As the present invention shows the internal configuration of the system for calculating profitability for each employee of a customer window by extracting information about a corporate customer from the extracted information. Those skilled in the art can infer various implementation methods of the system for calculating profitability of the corporate customer group with reference to this drawing 47. However, the present invention is not limited to this drawing 47. Includes all 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

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

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

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

In addition, the transaction details, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

According to the implementation method of the present invention, the profitability calculation system of the employee of the corporate customer service desk, the profitability calculation by account products or non-account products of the corporate customer group or the profitability calculation by the transaction history of the corporate customer group or the corporate customer group The corporate customer group profitability calculation server 4020 for calculating the profitability of joining a new account product or a new non-account product, at least one of the face-to-face or non-face-to-face financial transaction channels provided at a branch (or branch) of a financial institution. It is characterized in that it comprises a financial system (4050) for providing one or more financial transactions (for example, credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) services.

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 4020 includes customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, employee information in charge of the subscription account or subscription fee account, and the customer information. Profitability of the corporate customer group for each employee based on the employee information by extracting the transaction details, the employee information in charge of the transaction history, the new subscription account information or the new subscription fee account information from the financial system 4050. It is preferable to check the method, and if the person having ordinary knowledge in the field of the present invention, the cost required for the employee in charge of the enterprise customer in the method of confirming the profitability of the corporate customer group with reference to FIG. For example, it is possible to add a variety of information for calculating the corporate customer group profitability, such as employee wages, etc. Elements of the costs will be omitted because it was not used in calculating profitability city.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

The corporate customer group profitability calculation server 4020 may include a D / B for storing profitability calculation results of the company customer group for each channel or employee, or a D / B for storing the profitability calculation result for the corporate customer group for each channel or employee. Interworking with a separate D / B server having a B and a communication network.

Referring to FIG. 47, the corporate customer group profitability calculation server 4020 receives an information receiver 4700 (or information) for receiving information from the ledger D / B 4750 in association with the external system of the financial system 4050. Receiving means), an information extracting unit 4705 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 4750, and profitability information among the information extracted from the ledger D / B 4750; Information confirmation unit 4710 (or information confirmation means) to confirm, the profitability calculation unit 4715 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B An information storage unit 4720 (or information storage means) is provided.

Here, the ledger D / B 4750 is a D / B provided in the financial system 4050, and the ledger D / B 4750 includes customer information, account information, and non-account required for calculating profitability for the corporate customer group. It is preferable to include information, staff information, transaction history information.

According to the embodiment of the present invention, the information receiving unit 4700 is the customer information, the account information and account employee information subscribed to the customer or the non-account information and non-account employee information subscribed to the customer or the customer transactions Employee transaction information and transaction information or new subscription account information and new account holder information for accounts newly registered by the customer, or new subscription account information and new entry account staff members newly registered by the customer. Information including at least one information is provided to the information extraction unit 4705 by receiving ledger information from the ledger D / B 4750 in association with the external system of the financial system 4050.

Here, the ledger information includes customer information, account information, non-account information, employee information, transaction history information requested from the corporate customer group profitability calculation server 4020 to the financial system 4050 to calculate profitability for the corporate customer group. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information extracting unit 4705 may include the customer information received from the information receiving unit 4700, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extract the information on the corporate customer from the employee information in charge of the information provided to the information verification unit 4710, or for a predetermined period of time associated with the customer information, the customer information received from the information receiving unit 4700 Transaction information, and extracts the information on the corporate customer from the employee information in charge of the transaction history provided to the information verification unit 4710, or the customer information received from the information receiving unit 4700 and the customer information; The information on the corporate customer among linked new subscription account information or new subscription cost account information, and employee information managing the new subscription account or new subscription fee account. Extracts and provides it to the information checking unit 4710.

According to the exemplary embodiment of the present invention, the information checking unit 4710 may include the customer information extracted from the information extracting unit 4705, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Among the employee information in charge of the customer account information from the subscription account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 4705, transaction history for a certain period associated with the customer information, Among the employee information in charge of the transaction details, the transaction profitability information from the information on the enterprise customer, or the customer information extracted from the information extraction unit 4705, new subscription account information or new subscription account information associated with the customer information, The number of new subscription accounts from information on corporate customers among the employee information managing the new subscription account or the new subscription fee account. Determine the configuration information or new subscription account profitability information will be available in the information storage unit (4720) and the margins of the calculation unit (4715).

The profitability calculation unit 4715 is a subscription account profitability information for a corporate customer or a subscription non-account profitability information for a corporate customer or a transaction profitability information for a corporate customer or a new subscription for a corporate customer provided by the information checking unit 4710. Profitability is calculated by linking profitability information of various corporate customers including at least one of account profitability information or new subscription non-account profitability information of corporate customers, and storing the profitability information of the calculated corporate customers. Provided to part 4720.

According to the implementation method of the present invention, the profitability calculation unit 4715 borrows the deposit for the savings account or savings account from the subscription account information for the corporate customer and receives interest, such as interest income or loan interest income for the loan account, etc. It is desirable to calculate profitability information by date.

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

In addition, the profitability calculation unit 4715 may include a handling fee for a foreign exchange commodity transaction, a handling fee for a derivative product, a handling fee for a derivative product, a handling fee for a securities, or an incidental service for a securities. It is desirable to calculate profitability information such as Korean handling fees by date.

The profitability information of the subscription fee for the corporate customer may include at least one of a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a security, or a handling fee for ancillary services. desirable.

In addition, it is preferable that the profitability calculation unit 4715 for the corporate customer calculates profitability information such as handling fees for the unpaid deposit in the transaction history by date.

Here, the transaction profitability information for the corporate customer is preferably made including a handling fee for the passbook deposit.

In addition, the profitability information of the new subscription account for the corporate customer is the potential interest profitability and new loans for the potential interest profitability or new loans that can be borrowed and receive interest on the savings account or newly registered savings account It is preferable to include at least one or more loan handling fees for.

Here, the profitability information of the new subscription account for the corporate customer is a potential interest profitability or a new interest loan for a new loan or savings account or a new interest savings account and the potential interest profitability or loan for the new loan. It is preferable to include at least one or more loan handling fees for.

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

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

According to an embodiment of the present invention, the information storage unit 4720 stores the profitability information provided by the profitability calculation unit 4715 in the D / B provided in the corporate customer group profitability calculation server 4020 or calculates the profitability. It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 4715 through a communication network.

According to the implementation method of the present invention, the financial system 4050 is linked to the corporate customer group profitability calculation server 4020, the ledger information in connection with the ledger D / B (4750) in the financial system (4050) corporate customers It provides a function for providing to the group profitability calculation server 4020, and since the detailed description of the internal configuration has been described with reference to FIG.

Further, the ledger information for the ledger D / B 4750 of the financial system 4050 has more information than the information shown in the ledger D / B 4750 of the financial system 4050 shown in FIG. Only the information for corporate customer group profitability calculation is shown.

Figure 48 shows the profitability information of the subscription account for the corporate customer, profitability information for the subscription fee for the corporate customer, profitability information for the enterprise customer, new for the corporate 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 subscription account profitability information, new subscription non-account profitability information for the corporate customer.

In more detail, the drawing 48 obtains the ledger information from the ledger D / B 4750 of the financial system 4050 shown in FIG. 40, and the corporate customer through the corporate customer group profitability calculation server 4020 shown in the drawing 47. The above five conditions of the group (subscription account profitability information for corporate customers, subscription account profitability information for corporate customers, transaction profitability information for corporate customers, new subscription account profitability information for corporate customers, new subscription account accounts for corporate customers Profitability information) and the process of storing and registering in the D / B of the enterprise customer group profitability calculation server (4020) to check the profitability information, if the person having ordinary knowledge in the field to which the present invention belongs, this figure 48 With reference to the various implementation methods of the system for calculating the profitability of the corporate customer group can be inferred, the present invention is not limited to this Figure 48, it is inferred above Includes all implementation methods.

Hereinafter, in Figure 48, the corporate customer group profitability calculation server 4020 shown in Figure 47 is referred to as "server" for convenience.

Referring to FIG. 48A, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4750 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4750 to the server (4800a).

Here, the ledger information means customer information stored and registered in the ledger D / B 4750 of the financial system 4050, subscription account information associated with the customer information, and employee information in charge of the subscription account. desirable.

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the subscription account information from the ledger information and extracts the information on the corporate customer group from the subscription account information (4805a).

If information on groups other than the corporate customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 4810a.

Thereafter, the server calculates the profitability of the subscription account corresponding to the corporate customer group (4815a), and stores and registers the calculated profitability information in the server storage medium 4730 (4820a).

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

Referring to FIG. 48B, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4750 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4750 to the server (4800b).

Here, the ledger information means customer information stored and registered in the ledger D / B 4750 of the financial system 4050, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account. desirable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the subscription cost account information from the ledger information and extracts the information about the corporate customer group from the subscription cost account information (4805b).

If information on groups other than the corporate customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 4810b.

Thereafter, the server calculates the profitability of the subscription fee account corresponding to the corporate customer group (4815b), and stores and registers the calculated profitability information in the server storage medium 4730 (4820b).

Herein, the profitability information of the subscription fee for the corporate customer includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services. desirable.

Referring to FIG. 48C, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4750 for calculating the profitability to the server. In response, the financial system 4050 provides the ledger information of the ledger D / B 4750 to the server (4800c).

Here, the ledger information means customer information stored and registered in the ledger D / B 4750 of the financial system 4050, transaction history information associated with the customer information, and employee information in charge of the transaction details. desirable.

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, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the transaction history information from the ledger information and extracts the information about the corporate customer group from the transaction history information (4805c).

If information on groups other than the corporate customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only (4810c).

Thereafter, the server calculates the profitability of the transaction history corresponding to the corporate customer group (4815c), and stores and registers the calculated profitability information on the server storage medium 4730 (4820c).

Here, the transaction profitability information for the corporate customer is preferably made including a handling fee for the passbook deposit.

Referring to FIG. 48D, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4750 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4750 to the server (4800d).

Here, the ledger information means customer information stored and registered in the ledger D / B 4750 of the financial system 4050, new subscription account information associated with customer information, and employee information in charge of the new subscription account. It is desirable to.

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the new subscription account information from the ledger information and extracts the information about the corporate customer group from the new subscription account information (4805d).

If information on groups other than the corporate customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only (4810d).

Thereafter, the server calculates the profitability of the new subscription account corresponding to the corporate customer group (4815d), and stores and registers the calculated profitability information in the server storage medium 4730 (4820d).

Here, the profitability information of the new subscription account for the corporate customer is related to the potential interest profitability that can be borrowed and receive interest on the newly registered savings account or the newly registered savings account, or the potential interest profitability on the new loan or the new loan. It is preferable to include at least one or more loan handling fees.

Referring to FIG. 48E, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4750 to calculate the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4750 to the server (4800e).

Here, the ledger information means customer information stored and registered in the ledger D / B 4750 of the financial system 4050, new subscription fee account information associated with the customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

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

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

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

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

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

When the ledger information is provided from the financial system 4050 as described above, the server extracts the new subscription fee account information from the ledger information and extracts the information about the corporate customer group from the new subscription fee account information (4805e).

If information on groups other than the corporate customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only (4810e).

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the corporate customer group (4815e), and stores and registers the calculated profitability information on the server storage medium 4730 (4820e).

Herein, the profitability information of the new subscription fee for the corporate customer includes a handling fee for a new foreign exchange product transaction, a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is preferable to comprise at least one or more.

49 shows a system configuration for calculating the profitability of the employee of the general financial window according to the method of the present invention.

In more detail, Figure 49 shows employee information, investment finance linked with the employee information, international finance, asset-backed securities (ABS), social overhead capital (SOC), restructuring, real estate, etc. Profitability information is extracted by extracting only information corresponding to the comprehensive financial group from investment information, credit management information, or received procurement information including one or more, and based on the identified profitability information, As an internal configuration of the system for calculating profitability, those skilled in the art to which the present invention belongs, can infer various implementation methods of the system for calculating profitability of the comprehensive financial group with reference to FIG. It will be appreciated that the present invention is not limited to this drawing 49 and includes all implementation methods inferred above.

In this case, the investment financing preferably includes at least one item such as won loans or foreign currency loans or payment guarantees so as to lend necessary funds or make credit transactions to those who buy securities.

In addition, the international financing is related to the distribution of funds between countries, and foreign currency loans, payment guarantees, equity investments, etc. It is preferable to include at least one item of.

In addition, the ABS refers to bonds issued as collateral for various types of assets including corporate real estate, and according to the method of investing in bonds, such as C / L agreement, CP (Commercial paper) purchase agreement, equity investment, etc. It is preferred to include at least one item.

In addition, the C / L means the amount of capital equipment per worker, that is, tangible fixed assets per worker.

In addition, the CP means a note issued by a company with a good credit status for the purpose of raising short-term funds, unlike notes issued and plied with commerce.

In addition, the SOC (= social overhead capital) is a social infrastructure that is not directly used for production activities but is essential for smooth economic activities, and is used for won loans or equity investment for investment in social overhead capital. It is preferable to include at least one or more of the following items.

In addition, the restructuring is to increase the efficiency by reorganizing the unreasonable structure of the company, it is preferable to include items such as investment return through the improvement of the corporate structure by investing in the company under restructuring.

In addition, the real estate preferably comprises at least one or more items such as won loans or equity investment in real estate as collateral.

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

According to the method of the present invention, the system for calculating the profitability of the employees of the general financial window is based on investment financial or international financial or Asset-Backed Securities (ABS) or Social Overhead Capital (SOC) or restructuring or real estate of the general financial group. Profitability calculation server 4025 or the branch (or branch) of a financial institution to calculate profitability by credit management information of the general financial group, or profitability calculation by the credit management information of the general financial group, or profitability calculation by the receiving procurement information of the general financial group. And a financial system 4050 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 done.

The comprehensive financial group profitability calculation server 4025 includes one or more employee information, investment finance or international finance associated with the employee information, or asset-backed securities (ABS) or social overhead capital (SOC) or restructuring or real estate. It is preferable to extract the investment information, credit management information, or procurement information from the financial system 4050, and to determine the profitability of the comprehensive financial group for each employee according to the employee information. For those skilled in the art, referring to FIG. 49, a method for determining the profitability of a comprehensive financial group may be used to calculate the profitability of the comprehensive financial group, such as the expenses (e.g., employee wages) for employees belonging to the comprehensive financial group. Although various information can be added, in FIG. 49, the factor of employee's expenses is not used for profitability calculation. Omit.

Here, the information on employee's expenses can be invested in investment finance or international finance or asset-backed securities (ABS) or social overhead capital (SOC) or restructuring or real estate, or in charge of credit management or sourcing. It is preferable to mean the costs such as direct and indirect costs for employees.

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 comprehensive financial group profitability calculation server 4025 may include a D / B for storing the profitability calculation results of the general financial group for each employee or a separate D / B for storing the profitability calculation results of the general financial group for each employee. Interlocked with D / B server and communication network.

Referring to FIG. 49, the comprehensive financial group profitability calculation server 4025 may receive an information receiver 4900 (or information) for receiving information from the ledger D / B 4950 in association with the external system of the financial system 4050. Receiving means), an information extracting unit 4905 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 4950, and profitability information among the information extracted from the ledger D / B 4950; Information confirmation unit 4910 (or information confirmation means) to confirm, profitability calculation unit 4515 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B An information storage unit 4920 (or information storage means) is provided.

Here, the ledger D / B 4950 is a D / B provided in the financial system 4050, and the ledger D / B 4950 has the necessary employee information, investment information, and credit for calculating profitability for the comprehensive financial group. It is preferable to include information and reception information.

According to the embodiment of the present invention, the information receiving unit 4900 is one of the employee information, investment banking or international banking associated with the employee information or Asset-Backed Securities (ABS) or SOC (Social Overhead Capital) or restructuring or real estate, etc. Receiving the ledger information from the ledger D / B 4950 in connection with the external system of the financial system 4050 including investment information, credit management information, or receiving procurement information including the above. It is provided to the information extraction part 4905.

Here, the ledger information is the employee information requested from the comprehensive financial group profitability calculation server 4025 to the financial system 4050 in order to calculate the profitability for the comprehensive financial group, investment information associated with the employee information, credit management information, and reception procurement. It is preferable to include information.

According to the exemplary embodiment of the present invention, the information extractor 4905 may include the employee information received from the information receiver 4900, investment finance or international finance associated with the employee information, or asset-backed securities (ABS) or SOC ( Extract information about the comprehensive financial group from the investment information including one or more in social overhead capital or restructuring or real estate, and provide the information to the information verification unit 4910, or in connection with the employee information or the employee information. Extract information about the comprehensive financial group from the credit management information and provide it to the information verification unit 4910, or extract information on the comprehensive financial group from the procurement information associated with the employee information and the employee information. Provided to the information confirmation unit 4910.

According to the exemplary embodiment of the present invention, the information checking unit 4910 may include the employee information provided by the information extracting unit 4905, investment finance or international finance or asset-backed securities (ABS) or SOC associated with the employee information. Profitability information of the comprehensive financial group from investment information including one or more of social overhead capital or restructuring or real estate, or from the employee information, credit management information linked to the employee information, or The employee information and the reception procurement information associated with the employee information identify profitability information of the comprehensive financial group and provide the result to the profitability calculation unit 4915.

The profitability calculation unit 4915 may include at least one of investment finance or international finance or asset-backed securities (ABS) or social overhead capital (SOC) or restructuring or real estate for the comprehensive financial group provided by the information checking unit 4910. Profitability is calculated by linking with profitability information that confirms profitability information such as investment profitability information that confirmed one or more profitability information or credit management information for the general financial group, or receiving profitability information that checks the profitability information from the procurement information for the comprehensive financial group. It characterized in that, and provides the profitability information for the calculated comprehensive financial group to the information storage unit 4920.

According to an embodiment of the present invention, the profitability calculator 4515 may be an investment banking or an international banking or an asset-backed securities (ABS) or a social overhead capital (SOC) for a comprehensive financial group provided by the information checking unit 4910. Or calculating profitability in connection with profitability information of the general financial group including at least one of the profitability information of the investment in which at least one profitability information has been confirmed in restructuring or real estate. It is desirable to calculate profitability information by date.

In this case, it is preferable that the investment finance profitability information for the comprehensive financial group includes handling fees, potential interest income, and potential investment return for providing services such as won loans, foreign currency loans and payment guarantees.

In addition, the international financial profitability information for the comprehensive financial group is preferably made, including handling fees, potential interest income, potential investment return for providing services such as foreign currency loans, payment guarantees, equity investment.

In addition, the profitability information of the asset-backed securities (ABS) for the financial group includes handling fees, potential interest income, and potential investments to provide services such as C / L agreements, commercial paper purchase agreements, and equity investments. It is preferable to include profits and the like.

In addition, SOC (Social Overhead Capital) profitability information for the comprehensive financial group includes handling fees, potential interest income, potential investment return, etc. to provide services such as won loans and equity investment for investment in infrastructure. It is preferable to make it.

In addition, the restructuring profitability information for the comprehensive financial group is preferably made, including the potential return on investment through equity investment in the company under restructuring.

In addition, the real estate profitability information for the comprehensive financial group includes a handling fee, potential interest income, rental income from real estate lease, etc., to provide services such as loans or equity investment in real estate as collateral for real estate. desirable.

In addition, the profitability calculation unit 4915 calculates profitability by linking with profitability information of the general financial group including at least one credit profitability information in which at least one profitability information is identified in the credit management information of the general financial group. desirable.

Here, the profitability information of the general financial group may include interest income or potential interest income by won loans, interest income or potential interest income by foreign currency loans, and the like.

In addition, the profitability calculation unit 4915 calculates profitability by linking with profitability information for the general financial group including at least one received profitability information in which at least one profitability information is identified in the reception procurement information for the general financial group. desirable.

In this case, the received profitability information for the comprehensive financial group may include potential profitability information that can generate profits by using won deposits, closing payments, trust deposits, etc. in credit management.

According to an embodiment of the present invention, the information storage unit 4920 stores the profitability information provided by the profitability calculation unit 4915 in a D / B provided in the comprehensive financial group profit calculation server 4025 or calculates the profitability. It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 4915 through a communication network.

According to the implementation method of the present invention, the financial system 4050 is integrated with the general financial group profitability calculation server 4025 in conjunction with the general ledger D / B (4950) in the financial system 4050 comprehensive financial information It provides a function for providing to the group profit calculation server 4025, and detailed description of the internal configuration has been described with reference to FIG.

Further, the ledger information for the ledger D / B 4950 of the financial system 4050 has more information than the information shown in the ledger D / B 4950 of the financial system 4050 shown in FIG. Only the information for financial group profitability calculations is shown.

50 is a comprehensive financial group profitability calculation comprising at least one of investment profitability information, credit profitability information, receiving profitability information for the comprehensive financial group for calculating profitability by employee for the comprehensive financial group according to the embodiment of the present invention; The operating flow of the system is shown.

In more detail, the drawing 50 obtains the ledger information from the ledger D / B 4950 of the financial system 4050 shown in the drawing 40, and the comprehensive financial group through the comprehensive financial group profitability calculation server 4025 shown in the drawing 49. Comprehensive financial group profitability calculation server 4025 by checking profitability information on the three conditions of the group (investment profitability information for comprehensive financial group, credit profitability information for comprehensive financial group, and received profitability information for comprehensive financial group). The process of storing and registering in the D / B of the present invention, those of ordinary skill in the field to which the present invention belongs, will be able to infer various implementation methods of the system for calculating the profitability of the comprehensive financial group with reference to FIG. As will be appreciated, the present invention is not limited to this drawing 50 and includes all implementation methods inferred from the above.

Hereinafter, in FIG. 50, the comprehensive financial group profitability calculation server 4025 shown in FIG. 49 is referred to as "server" for convenience.

Referring to FIG. 50a, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4950 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4950 to the server (5000a).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is stored in the ledger D / B (4950) of the financial system 4050, registered employee information, investment financial information associated with employee information, international financial information, Asset-Backed Securities (ABS) information, It is preferable to include at least one or more investment information invested in SOC information, restructuring information, real estate information and the like.

In addition, the investment financial information is preferably made of at least one or more loans or foreign currency loans or payment guarantees so as to lend necessary funds or credit transactions to those who buy securities.

In addition, the above international financial information relates to the distribution of funds between countries, and foreign currency loans, payment guarantees, equity investments for goods and services transactions such as commodity trade and for loans required for government loans, private loans, and foreign debts. It is preferable to include at least one.

In addition, the ABS (Asset-Backed Securities) refers to a bond issued as collateral for various types of assets, including real estate of the company, according to the method of investing in the bond, the purchase of C / L agreement, CP (Commercial paper) It is preferable to include at least one agreement or equity investment.

In addition, the C / L is preferably the amount of capital equipment per worker, that is, tangible fixed assets per worker.

In addition, it is preferable that the CP means a promissory note issued by a company having a good credit status for the purpose of procuring short-term funds, unlike notes issued and plied with commerce.

In addition, the SOC (= social overhead capital) is a social infrastructure that is not directly used for production activities but is essential for smooth economic activities, and is used for won loans or equity investment for investment in social overhead capital. It is preferable to comprise at least one or more.

In addition, the restructuring is to increase the efficiency by reorganizing the unreasonable structure of the company, it is preferable to mean the return on investment through the improvement of the corporate structure by investing in the company under restructuring.

In addition, the real estate preferably refers to items such as won loans or equity investment in real estate as collateral.

The comprehensive financial group profitability calculation server 4025 extracts information of the comprehensive financial group from the ledger information provided from the financial system 4050 (5005a).

If information on groups other than the comprehensive financial group is extracted from the affiliated account information, processing is performed by referring to the information shown in the other drawings of the present invention according to each group. Process only 5010a.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the comprehensive financial group (5015a), and stores and registers the calculated profitability information on the server storage medium 4930 (5020a).

In this case, it is preferable that the investment financial profitability information for the comprehensive financial group calculate profitability such as handling fees, potential interest income, and potential investment return to provide services such as won loans, foreign currency loans, payment guarantees, and the like.

In addition, the international financial profitability information for the comprehensive financial group, it is preferable to calculate the profitability, such as handling fees, potential interest income, potential investment return for providing services such as foreign currency loans, payment guarantees, equity investment.

In addition, the profitability information of the asset-backed securities (ABS) for the financial group includes handling fees, potential interest income, and potential return on investment to provide services such as C / L agreements, commercial paper purchase agreements, and equity investments. It is desirable to calculate the profitability of such a product.

In addition, SOC (Social Overhead Capital) profitability information for the general financial group includes profits such as handling fees, potential interest income, and potential investment return to provide services such as won loans and equity investment for investment in infrastructure. It is preferable to calculate.

In addition, the restructuring profitability information for the comprehensive financial group is preferably calculated to calculate the profitability, such as potential investment return through equity investment in the company under restructuring.

In addition, the real estate profitability information for the comprehensive financial group is to calculate the profitability such as handling fees, potential interest income, rental income from real estate lease by providing real estate as collateral, such as won loans or equity investment in real estate It is preferable.

Referring to FIG. 50b, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4950 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4950 to the server (5000b).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is preferably made to include the employee information stored in the ledger D / B (4950) of the financial system 4050, credit management information associated with the employee information associated with the employee information.

In addition, the credit management information is preferably made of at least one or more interest income or potential interest income by the won loans, interest income or potential interest income by foreign currency loans.

The comprehensive financial group profitability calculation server 4025 extracts information of the comprehensive financial group from the ledger information provided from the financial system 4050 (5005b).

If information about groups other than the comprehensive financial group is extracted from the credit management information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only process 5010b.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the comprehensive financial group (5015a), and stores and registers the calculated profitability information on the server storage medium 4930 (5020b).

Herein, the credit management information for the comprehensive financial group may calculate profitability such as interest income or potential interest income from won loans, interest income from potential loans or potential interest income.

Referring to FIG. 50c, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 4950 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 4950 to the server (5000c).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is preferably made to include the employee information that is stored and registered in the ledger D / B (4950) of the financial system 4050, the reception procurement information associated with the employee information associated with the employee information.

In addition, the reception procurement information preferably comprises at least one or more potential profitability information that can generate profit by using the deposit received by the won, the end payment, the trust reception and the like.

The comprehensive financial group profitability calculation server 4025 extracts information of the comprehensive financial group from the ledger information provided from the financial system 4050 (5005c).

If the information about the groups other than the comprehensive financial group is extracted from the reception procurement information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only process 5010c.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the comprehensive financial group (5015c), and stores and registers the calculated profitability information on the server storage medium 4930 (5020c).

Here, it is preferable that the procurement information for the comprehensive financial group is used to calculate the potential profitability to generate profits by using the deposit received by the won, the end payment, the trust reception, and the like.

Figure 51 shows the system configuration for the profitability calculation of the funds / international teller staff according to the embodiment of the present invention.

In more detail, Figure 51 shows employee information, profit management information or foreign currency money management information associated with the employee information, business information on foreign exchange business, derivatives management information, and stock management information for calculating profitability of funds / international group. The profitability information by extracting only the information corresponding to the fund / international group from the bond management information and the marketing performance information, and based on the identified profitability information, the internal configuration of the system for calculating profitability by employee for the fund / international group As shown in the drawings, a person having ordinary knowledge in the field of the present invention may infer various implementation methods of a system for calculating the profitability of funds / international group with reference to this drawing 51. It is not limited to Fig. 51 but includes all the inferred implementation methods.

Here, it is preferable that the won money management information or foreign currency money management information includes at least one or more won loan information or foreign currency loan information, foreign currency exchange information.

In addition, it is preferable that the business information for the foreign exchange business includes at least one or more of profits through foreign exchange-related business alliance, import and export business management and ancillary business, foreign currency remittance, and foreign currency check.

In addition, the derivatives product management information preferably comprises at least one or more information, such as share price futures, swap, option management.

In addition, the stock management information preferably comprises at least one or more information, such as management of stock purchase or sale, stock transaction fees.

In addition, the bond management information preferably comprises at least one or more information, such as operation information on the purchase or sale of bonds, bond transaction fees, interest income on the bonds.

In addition, the marketing performance information is preferably made, including potential product revenue through the sale of new products through marketing activities.

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

According to the implementation method of the present invention, the system for calculating the profitability of the funds / international counter staff is the money management information or foreign currency money management information of the funds / international group, or the business information for the foreign exchange business of the funds / international group, or Fund / International Group Profitability for Profit Calculation Based on Fund / International Group Derivatives Management Information, Fund / International Group Stock Management Information, Fund / International Group Bond Operation Information, or Fund / International Group Marketing Performance Information At least one financial transaction (eg, credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) through at least one face-to-face or non-face-to-face financial transaction channel provided at the calculation server 4030 and the branch (or branch) of the financial institution. And a financial system 4050 for providing a service.

The fund / international group profitability calculation server 4030 includes employee information, won currency management information or foreign currency fund management information associated with the employee information, business information on foreign exchange business, derivatives management information, stock management information, and bond management information. , Extracting the marketing performance information from the financial system 4050, it is preferable to check the profitability of the employee-specific funds / international group according to the employee information, if the person having ordinary knowledge in the field of the present invention, Referring to Fig. 51, various information for calculating the profitability of funds / international groups, such as the expenses (e.g., employee wages) for employees belonging to the funds / international groups, can be added to the method of confirming the profitability of funds / international groups. However, in FIG. 51, the factor of the cost of the employee is omitted since it is not used for profitability calculation.

Here, the information on the required cost of the employee preferably means costs such as direct and indirect costs for employees in charge of won or foreign currency money management, foreign exchange business or derivatives management, stock management or bond management or marketing.

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, living expenses after salary, eastern estate management expenses, and financial planning expenses.

The fund / international group profitability calculation server 4030 includes a D / B for storing profit / calculation results of employees / funds for an international group or a D / B for storing profit / calculation results of international funds for each employee It is linked with a separate D / B server and communication network.

Referring to FIG. 51, the fund / international group profitability calculation server 4030 receives an information from the ledger D / B 5150 in association with the external system of the financial system 4050 (or the information receiving unit 5100). Information receiving means), an information extracting unit 5105 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 5150, and profitability information among information extracted from the ledger D / B 5150 Information checking unit 5110 (or information checking means) for confirming the profitability calculation unit 5115 (or profitability calculating means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B. And an information storage unit 5120 (or information storage means).

Here, the ledger D / B 5150 is a D / B provided in the financial system 4050. The ledger D / B 5150 includes employee information necessary for calculating profitability for funds / international groups and won money management information. Alternatively, the foreign currency fund management information, foreign exchange business information, derivatives management information, stock management information, bond management information, marketing information is preferably included.

According to the embodiment of the present invention, the information receiving unit 5100 is employee information, won currency management information or foreign currency money management information associated with the employee information, or business information according to the foreign exchange business, or derivatives management according to the derivative product management The information including at least one of information, stock management information based on stock management, bond management information based on bond management, and marketing information generating profit by marketing is linked to the external system of the financial system 4050. The ledger information is received from the 5150 and is provided to the information extraction unit 5105.

Here, the ledger information is employee information requested from the fund / international group profitability calculation server 4030 to the financial system 4050 in order to calculate profitability for the fund / international group, won money management information or foreign currency funds associated with the employee information. Including management information, business information based on the foreign exchange business, derivative product management information based on derivatives management, stock management information based on stock management, bond management information based on bond management, and marketing information generating profit by marketing. It is preferable to make.

According to the exemplary embodiment of the present invention, the information extracting unit 5105 is configured for the funds / international group in the employee information received from the information receiving unit 5100, the won money management information associated with the employee information, or the foreign currency money management information. Extract information and provide it to the information verification unit 5110, or extract information on the fund / international group from the business information according to the foreign exchange business associated with the employee information and the employee information and the information verification unit 5110. Or extract information on funds / international groups from the employee information, derivative product management information associated with the employee information, and provide the information to the information verification unit 5110, or the employee information and the employee information. Extract information on funds / international groups from linked stock management information and provide it to the information verification unit 5110, or bond management associated with the employee information and the employee information. Extract information about funds / international groups from the report and provide them to the information verification unit 5110 or extract information about funds / international groups from the employee information and marketing information associated with the employee information to check the information. It is provided to the part 5110.

According to the exemplary embodiment of the present invention, the information checking unit 5110 may be configured to include the funds / international group in the employee information provided by the information extracting unit 5105, the won money management information or the foreign currency money management information associated with the employee information. Profitability information, or the employee information provided by the information extraction unit 5105, the profit information of the fund / international group in the business information according to the foreign exchange business associated with the employee information, or provided by the information extraction unit 5105 In the employee information, the employee information, derivative product management information associated with the employee information, profitability information of the fund / international group, or the employee information provided by the information extraction unit 5105, the stock management associated with the employee information Profitability information of fund / international group in information, or the employee information provided by the information extraction unit 5105, bond management information associated with the employee information , Or it will be available in the information extracting unit 5105 by the employee information, and determine the profitability of the money information / International Marketing Group in the information to calculate the margin portion 5115 associated with the information provided by the employee.

The profitability calculation unit 5115 may check the won or foreign currency fund profitability information, funds / international group, which has confirmed profitability information in won or foreign currency fund management information for the funds / international group provided by the information checking unit 5110. Stocks whose profitability information has been confirmed in the Forex Business Information, whose profitability information has been confirmed in the Forex Business Information for Korea, Derivatives profitability information whose profitability information has been identified in the Derivatives Investment Information for Funds / International Group, and Stock Information for the Fund / International Group Profitability is calculated by linking with profitability information, bond profitability information identified in the bond management information for funds / international group, marketing profitability information confirmed profitability information in the marketing information for funds / international group, Profitability information for the calculated funds / international group is provided to the information storage unit 5120.

According to the implementation method of the present invention, the profitability calculation unit 5115 profits from the won or foreign currency funds confirmed the profitability information from the won or foreign currency funds management information for the funds / international group provided by the information checking unit 5110 It is desirable to calculate profitability information including at least one information by date.

In this case, it is preferable that the won / foreign currency profitability information for the funds / international group includes potential interest income, service profit or loss, or won or foreign currency operating income through loans for won or foreign currency.

In addition, the profitability calculation unit 5115 calculates, by date, profitability information including at least one or more foreign exchange business profitability information obtained from the foreign exchange business information for the fund / international group provided by the information checking unit 5110. It is desirable to.

Herein, the profitability information of the foreign exchange business for the fund / international group may include profits through foreign exchange-related business alliances, general import and export work and incidental affairs, foreign currency remittances, and foreign currency checks. .

In addition, the profitability calculation unit 5115 may include profitability information including at least one profitability information including at least one derivative product profitability information obtained from the derivative product management information for the fund / international group provided by the information checking unit 5110 by date. It is preferable to calculate.

In this case, the profitability information of the derivatives for the funds / international group may include profits, operating fees, etc., according to the profits from derivatives management.

In addition, the profitability calculation unit 5115 calculates, by date, profitability information including at least one or more stock profitability information obtained from the stock management information for the funds / international group provided by the information verification unit 5110. It is preferable.

Here, the stock profitability information for the fund / international group may be made to include profits, operating fees, etc., according to profits from stock management.

In addition, the profitability calculation unit 5115 calculates, by date, profitability information including at least one or more bond profitability information having confirmed profitability information from the bond management information for the funds / international group provided by the information checking unit 5110. It is preferable.

In this case, it is preferable that the bond profitability information for the fund / international group includes profits, operating fees, etc., according to the profits from the bond management.

In addition, the profitability calculation unit 5115 calculates profitability information including at least one marketing profitability information for which the profitability information has been confirmed from the marketing information about the funds / international group provided by the information checking unit 5110 for each day. desirable.

In this case, the marketing profitability information for the fund / international group may include a potential product profit through new product sales through marketing activities.

According to an embodiment of the present invention, the information storage unit 5120 stores the profitability information provided by the profitability calculation unit 5115 in a D / B provided in the fund / international group profitability calculation server 4030 or the profitability. It is linked with a separate D / B server having a D / B for storing the profitability information provided by the calculation unit 5115 through a communication network.

According to the implementation method of the present invention, the financial system 4050 in conjunction with the funds / international group profitability calculation server 4030 in connection with the ledger D / B (5150) in the financial system 4050 to fund the ledger information It provides a function to provide to the / international group profitability calculation server 4030, the detailed description of the internal configuration has been described with reference to Figure 40, it is omitted.

Further, the ledger information for the ledger D / B 5150 of the financial system 4050 has more information than the information shown in the ledger D / B 5150 of the financial system 4050 shown in FIG. / Show only information for international group profitability calculations.

Figure 52 shows the won or foreign currency profitability information, foreign exchange business profitability information, derivatives profitability information, stock profitability information, The operation flow of the system for calculating the profitability of the fund / international group including at least one of bond profitability information and marketing profitability information is shown.

More specifically, the drawing 52 obtains the ledger information from the ledger D / B 5150 of the financial system 4050 shown in FIG. 40, and funds the funds through the fund / international group profitability calculation server 4030 shown in the drawing 51. Check the profitability information on the above six conditions of the international group: won or foreign currency profitability information, foreign exchange business profitability information, derivatives profitability information, stock profitability information, bond profitability information, and marketing profitability information. Regarding the process of storing and registering in the D / B of the profitability calculation server 4030, and having ordinary knowledge in the field to which the present invention pertains, a system for calculating profitability of funds / international group with reference to this drawing 52 Although various embodiments of the present invention can be inferred, the present invention is not limited to the drawing 52 and includes all the inferred embodiments.

Hereinafter, in FIG. 52, the fund / international group profitability calculation server 4030 shown in FIG. 51 is referred to as "server" for convenience.

Referring to FIG. 52A, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 5150 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 5150 to the server (5200a).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information preferably comprises at least one or more of the employee information, stored in the ledger D / B (5150) of the financial system (4050) registered, the won or foreign currency funds management information associated with the employee information. .

The fund / international group profitability calculation server 4030 extracts information of the fund / international group from ledger information provided from the financial system 4050 (5205a).

If information on groups other than funds / international groups is extracted from the won or foreign currency fund management information, the respective groups are processed with reference to the information shown in the other drawings of the present invention. / Process only part for international group (5210a)

Thereafter, the server calculates the profitability of the won or foreign currency funds corresponding to the funds / international group from the won or foreign currency fund management information (5215a), and stores and registers the calculated profitability information on the server storage medium 5130. (5220a).

In this case, it is preferable that the won / foreign currency profitability information for the funds / international group includes potential interest income, service profit or loss, or won or foreign currency operating income through loans for won or foreign currency.

Referring to FIG. 52B, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 5150 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 5150 to the server (5200b).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is preferably made to include the employee information, stored in the ledger D / B (5150) of the financial system 4050, the business information for the foreign exchange business associated with the employee information.

The fund / international group profitability calculation server 4030 extracts information of the fund / international group from ledger information provided from the financial system 4050 (5205b).

When extracting information about a group other than funds / international group from the business information on the foreign exchange business, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the part for international group is processed (5210b).

Thereafter, the server calculates the profitability of the foreign exchange business corresponding to the fund / international group from the business information on the foreign exchange business (5215b), and stores and registers the calculated profitability information on the server storage medium 5130 (5220b). .

Herein, the profitability information of the foreign exchange business for the fund / international group may include profits through foreign exchange-related business alliances, general import and export work and incidental affairs, foreign currency remittances, and foreign currency checks. .

Referring to FIG. 52C, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 5150 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 5150 to the server (5200c).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is preferably made of the employee information, stored in the ledger D / B (5150) of the financial system 4050, including derivatives product management information for derivatives management associated with employee information.

The fund / international group profitability calculation server 4030 extracts information of the fund / international group from ledger information provided from the financial system 4050 (5205c).

When extracting information on groups other than funds / international groups from the derivative product management information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only the portion for (5210c).

Thereafter, the server calculates the profitability of the derivative product corresponding to the fund / international group from the derivative product management information (5215c), and stores and registers the calculated profitability information on the server storage medium 5130 (5220c).

In this case, the profitability information of the derivatives for the funds / international group may include profits, operating fees, etc., according to the profits from derivatives management.

Referring to FIG. 52D, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 5150 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 5150 to the server (5200d).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is preferably made to include the employee information stored in the ledger D / B (5150) of the financial system 4050, the stock management information for the stock management associated with the employee information.

The fund / international group profitability calculation server 4030 extracts information of the fund / international group from ledger information provided from the financial system 4050 (5205d).

If information on groups other than funds / international group is extracted from the stock management information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the part of the process is processed (5210d).

Thereafter, the server calculates the profitability of the derivative product corresponding to the fund / international group in the stock management information (5215d), and stores and registers the calculated profitability information in the server storage medium 5130 (5220d).

Here, the stock profitability information for the fund / international group may be made to include profits, operating fees, etc., according to profits from stock management.

Referring to FIG. 52E, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 5150 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 5150 to the server (5200e).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information preferably comprises employee information stored and registered in the ledger D / B (5150) of the financial system 4050, bond management information for bond management associated with employee information.

The fund / international group profitability calculation server 4030 extracts information of the fund / international group from ledger information provided from the financial system 4050 (5205e).

If information on groups other than funds / international group is extracted from the bond management information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the part of the process (5210e).

Thereafter, the server calculates the profitability of the derivative product corresponding to the fund / international group in the bond management information (5215e), and stores and registers the calculated profitability information in the server storage medium 5130 (5220e).

In this case, it is preferable that the bond profitability information for the fund / international group includes profits, operating fees, etc., according to the profits from the bond management.

Referring to FIG. 52f, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 5150 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 5150 to the server (5200f).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is preferably made to include the employee information, stored in the ledger D / B (5150) of the financial system 4050, marketing performance information associated with the employee information.

The fund / international group profitability calculation server 4030 extracts the fund / international group information from the ledger information provided from the financial system 4050 (5205f).

If information about groups other than funds / international group is extracted from the marketing performance information, the information is processed according to each group with reference to the information shown in another drawing of the present invention. Only the part of the process is processed (5210f).

Thereafter, the server calculates marketing profitability corresponding to the fund / international group from the marketing performance information (5215f), and stores and registers the calculated profitability information on the server storage medium 5130 (5220f).

In this case, the marketing profitability information for the fund / international group may include a potential product profit through new product sales through marketing activities.

Figure 53 shows a system configuration for calculating the profitability of the trust clerk according to the embodiment of the present invention.

More specifically, Figure 53 shows profitability information by extracting only information corresponding to a trust group from employee information, trust information associated with the employee information, trust task information, or fund office management information to calculate profitability of the trust group. The internal configuration of the system for calculating profitability for each employee of the trust group based on the identified profitability information, and those skilled in the art to which the present invention pertains, refer to this drawing 53. It will be possible to infer various implementation methods of the system for calculating the profitability of the present invention, but the present invention is not limited to this figure 53, but includes all the implementation methods inferred above.

In this case, the trust information may include at least one or more of earnings remuneration, real estate fees, and drug information.

In addition, it is preferable that the trust service information includes at least one or more of trust fees, asset storage fees, and the like.

In addition, it is preferable that the fund office management information includes a business commission.

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

According to the implementation method of the present invention, the system for calculating the profitability of the trust window staff is a trust group profitability calculation server 4035 for profitability calculation by trust information, or trust business information, or fund office management information of the trust group, Financing to provide at least one financial transaction (eg credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) services through at least one face-to-face or non-face-to-face financial transaction channel provided at a branch (or branch) of a financial institution. And a system 4050.

The trust group profitability calculation server 4035 extracts employee information, trust information associated with the employee information, or trust task information, or fund office management information from the financial system 4050, and trusts for each employee according to the employee information. The method of checking the profitability of the group is preferable, and if the person having ordinary knowledge in the field to which the present invention belongs, the cost required for the employees belonging to the trust group in the method of confirming the profitability of the trust group with reference to FIG. For example, various information for calculating trust group profitability, such as employee wages, etc. may be added. However, in FIG.

Here, the information on the required cost of the employee preferably means costs such as direct and indirect costs for employees in charge of won or foreign currency money management, foreign exchange business or derivatives management, stock management or bond management or marketing.

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 trust group profit calculation server 4035 includes a D / B storing the profit calculation results of the trust group for each employee or a separate D / B having the D / B storing the profit calculation results of the trust group for each employee. It is linked with server through communication network.

Referring to FIG. 53, the trust group profitability calculation server 4035 may receive an information receiver 5300 (or an information receiver) for receiving information from the ledger D / B 5350 in association with the external system of the financial system 4050. Means), an information extraction unit 5305 (or information extraction means) for extracting necessary information from the information received from the ledger D / B 5350, and confirming the profitability information among the information extracted from the ledger D / B 5350 Information checking unit 5310 (or information checking means), profitability calculating unit 5315 (or profitability calculating means) for calculating profitability information from the profitability confirmation information, and information storing the profitability calculation information in D / B. It is characterized by comprising a storage unit 5320 (or information storage means).

Here, the ledger D / B 5350 is a D / B provided in the financial system 4050, and the ledger D / B 5350 includes employee information, trust business information, and fund affairs necessary for calculating profitability for the trust group. It is preferable to include management information.

According to an embodiment of the present invention, the information receiving unit 5300 may include information on at least one or more of employee information, trust information associated with the employee information, or trust task information, or fund office management information. The ledger information is received from the ledger D / B 5350 in association with an external system and provided to the information extraction unit 5305.

Here, the ledger information is the employee information requested from the trust group profitability calculation server 4035 to the financial system 4050 in order to calculate the profitability for the trust group, the trust information associated with the employee information, or the trust business information, or the fund office. It is preferable to include management information.

According to the exemplary embodiment of the present invention, the information extracting unit 5305 extracts information on the trust group from the employee information received from the information receiving unit 5300 and the trust information associated with the employee information. 5310) or extract information about a trust group from the trust information associated with the employee information and the employee information and provide the information to the information verification unit 5310, or the employee information and the employee information. The information on the trust group is extracted from the fund office management information and provided to the information verification unit 5310.

According to the exemplary embodiment of the present invention, the information checking unit 5310 may include the employee information provided by the information extracting unit 5305, the profitability information of the trust group in the trust information associated with the employee information, or the information extracting unit ( 5305) the employee information provided by the employee information, the trust information associated with the employee information, the profitability information of the trust group, or the employee information provided by the information extraction unit 5305, the fund office management information associated with the employee information. Checks the profitability information of the trust group and provides it to the profitability calculation unit 5315.

The profitability calculation unit 5315 is a trust profitability information confirmed in the trust information for the trust group provided by the information confirmation unit 5310, trust profitability information confirmed in the trust business information for the trust group, fund office management for the trust group Profitability is calculated in connection with the fund profitability information identified in the information, and provides the information storage unit 5320 with the profitability information for the calculated trust group.

According to the exemplary embodiment of the present invention, the profitability calculation unit 5315 may calculate profitability information by date from the trust information of the trust group provided by the information checking unit 5310.

In this case, the trust profitability information for the trust group may include profitability information based on earnings remuneration, profitability information based on real estate fees, or profitability information based on the number of drug information.

In addition, the profitability calculation unit 5315 may calculate profitability information by date from the trust service information for the trust group provided by the information checking unit 5310.

Here, the trust profitability information for the trust group may include profitability information according to trust fees, profitability information due to asset storage fees, and the like.

In addition, the profitability calculation unit 5315 may calculate profitability information by date from the fund office management information for the trust group provided by the information verification unit 5310.

Here, the fund profitability information for the trust group is preferably made to include profitability information according to the commission commission.

According to the exemplary embodiment of the present invention, the information storage unit 5320 stores the profitability information provided by the profitability calculation unit 5315 in a D / B provided in the trust group profit calculation server 4035 or the profitability calculation unit. It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided by (5315).

According to the implementation method of the present invention, the financial system 4050 is linked with the trust group profitability calculation server 4035, the ledger information in connection with the ledger D / B (5350) in the financial system 4050, trust group profitability It provides a function for providing to the calculation server 4035, and since the detailed description of the internal configuration has been described with reference to FIG.

Further, the ledger information for the ledger D / B 5350 of the financial system 4050 has more information than the information shown in the ledger D / B 5350 of the financial system 4050 shown in FIG. Only information for group profitability calculations is shown.

54 is a view illustrating a system for calculating trust group profitability including at least one or more trust profitability information, trust profitability information, and fund profitability information for a trust group for calculating profitability for each employee for a trust group according to an embodiment of the present invention; It shows the operation flow.

In more detail, Fig. 54 shows the ledger information from the ledger D / B 5350 of the financial system 4050 shown in Fig. 40, and uses the trust group profitability calculation server 4035 of the trust group. The present invention relates to a process of checking and storing profitability information on the three conditions (trust profitability information, trust profitability information, and fund profitability information) in the D / B of the trust group profitability calculation server 4035. Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of the trust group with reference to this figure 54, but the present invention is not limited to this figure 54, all inferred It includes the method of implementation.

Hereinafter, in FIG. 54, the trust group profitability calculation server 4035 shown in FIG. 53 is referred to as "server" for convenience.

Referring to FIG. 54A, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 5350 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 5350 to the server (5400a).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, it is preferable that the ledger information includes employee information stored in the ledger D / B 5350 of the financial system 4050 and registered trust information associated with the employee information.

In this case, the trust information may include at least one or more of earnings remuneration, real estate fees, and drug information.

The trust group profitability calculation server 4035 extracts the trust group information from the ledger information provided from the financial system 4050 (5405a).

When extracting information on a group other than a trust group from the trust information, processing is performed by referring to the information shown in the other drawings of the present invention according to each group, and in FIG. 54A, only a part of the trust group is processed. (5410a).

Thereafter, the server calculates trust profitability corresponding to the trust group from the trust information (5415a), and stores and registers the calculated profitability information on the server storage medium 5330 (5420a).

Here, the trust profitability information for the trust group preferably includes profitability information based on earnings remuneration, profitability information based on real estate fees, or profitability information based on the number of drug information.

Referring to FIG. 54B, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 5350 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 5350 to the server (5400b).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information is preferably made of the information stored in the ledger D / B (5350) of the financial system (4050), registered employee information, the information on the trust work associated with the employee information.

In addition, it is preferable that the trust service information includes at least one or more of trust fees, asset storage fees, and the like.

The trust group profitability calculation server 4035 extracts the trust group information from the ledger information provided from the financial system 4050 (5405b).

If information on groups other than the trust group is extracted from the trust service information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. (5410b).

Thereafter, the server calculates trust profitability corresponding to the trust group from the trust information (5415b), and stores and registers the calculated profitability information on the server storage medium 5330 (5420b).

Here, the trust profitability information for the trust group may include profitability information according to trust fees, profitability information due to asset storage fees, and the like.

Referring to FIG. 54C, the server accesses the financial system 4050 through a predetermined communication network, and provides the ledger information of the financial system 4050 ledger D / B 5350 for calculating the profitability to the server. In response to the request, the financial system 4050 provides the ledger information of the ledger D / B 5350 to the server (5400c).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

In addition, the ledger information preferably includes employee information stored and registered in the ledger D / B 5350 of the financial system 4050, and fund office management information associated with employee information.

In addition, it is preferable that the fund office management information includes a business commission.

The trust group profit calculation server 4035 extracts the trust group information from the ledger information provided from the financial system 4050 (5405c).

When extracting information about a group other than a trust group from the fund office management information, the group is processed with reference to the information shown in the other drawings of the present invention according to each group, and in FIG. 54C, only the portion of the trust group is processed. Process (5410c).

Thereafter, the server calculates trust profitability corresponding to the trust group from the trust information (5415c), and stores and registers the calculated profitability information on the server storage medium 5330 (5420c).

Here, the fund profitability information for the trust group is preferably made to include profitability information according to the commission commission.

55A and 55B illustrate a system configuration for predicting profit or loss by at least one or more profit prediction targets using profitability information as a profit and loss statement (P / L) according to an embodiment of the present invention.

More specifically, FIG. 55A shows at least one profit or loss forecast by substituting at least one profit or loss information calculated by at least one profit calculation server into a predetermined model profit and loss simulation model using a profit / loss statement (P / L). The system configuration for estimating the profit and loss for an object (e.g., organization / branch, financial product, customer group (or a specific customer), etc.), and FIG. 55b shows a preferred configuration diagram for the model profit and loss simulation model. .

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 55a and 55b to use at least one profitability information as an income statement (P / L) for at least one profit or loss forecast. Various implementation methods for the system configuration for predicting the profit or loss may be inferred, but the present invention includes all the implementation methods inferred, and the technical features thereof are only shown in the implementation methods shown in FIGS. 55A and 55B. It is not limited.

Referring to FIG. 55A, a system for predicting profit or loss by at least one or more profit and loss targets using at least one profitability information as an income statement (P / L) includes the individual customer group profit calculation server D / B 5530, PB customer group profitability calculation server D / B (5535), special customer group profitability calculation server D / B (5540), corporate customer group profitability calculation server D / B (5545), comprehensive financial group profitability calculation server D / B (5550) ), Fund / international group profitability calculation server D / B (5555), trust group profitability calculation server D / B (5560), sales strategy information, market environment information, asset / debt balance information and budget information of the financial institution; And a financial system 5590 having a DBMS for storing at least one balance sheet (B / S) information including asset information, debt information and capital information of the financial institution. Profitability Information It is characterized in that it comprises a profit and loss prediction server 100 having a model profit and loss simulation model for predicting at least one or more profit and loss targets by using (P / L).

Here, a preferred embodiment of the model profit and loss simulation model will be described with reference to Figure 55b.

According to an embodiment of the present invention, the profit and loss prediction server 100 predicting the profit / loss for each organization / branch is the individual customer group profit calculation server D / B 5530 and the PB customer group profit calculation server D / B 5535 ), Special customer group profitability calculation server D / B (5540), corporate customer group profitability calculation server D / B (5545), comprehensive financial group profitability calculation server D / B (5550), funds / international group profitability calculation server D / An information receiver 5500 (or profitability information receiving means) for receiving at least one or more profitability information corresponding to a predetermined organization / branch from the B 5555 and the trust group profitability calculation server D / B 5560 and the received information; An information extraction unit 5505 (or information extraction means) for extracting revenue information corresponding to an organization / branch from at least one profitability information and extracting revenue generation cost information corresponding to the organization / branch from the profitability information; Characterized in that In addition, the information receiving unit 5500 (or the information receiving unit) is connected to the financial system 5590 from a predetermined DBMS (or predetermined terminal), sales strategy information, market environment information, asset / of the financial institution. And receiving balance sheet information and budget information and balance sheet (B / S) information including asset information, debt information and capital information of the financial institution.

In addition, the profit / loss prediction server 100 for predicting the profit / loss for each organization / branch is extracted by the balance sheet information including asset information, debt information, and capital information of the financial institution, and by the information extraction unit 5505. And a predetermined model profit and loss simulation model operating on the basis of profit and loss statement information including profits of the organized organization / branch into profit accounts, and including the extracted costs of generating profits of the extracted tissue / branch into loss accounts. Model profit and loss simulation unit for predicting the profit and loss of the organization / branch by substituting the sales strategy information, market environment information, asset / liabilities balance information and budget information of the financial institution received through the information receiving unit (5500) in the simulation model ( 5510 (or simulation means) and an information generating unit 552 for generating profit and loss prediction information of the organization / branch corresponding to the model profit and loss simulation result. 0) (or information generating means) and an information storage unit 5525 (or information storage means) for storing the generated profit / loss prediction information of the organization / branch in a predetermined storage medium in association with the organization / branch information. Characterized in that made.

In addition, the profit and loss prediction server 100 predicting the profit / loss for each organization / branch may be performed through trend analysis on profit and loss prediction information for a predetermined period of time generated by the information generator 5520. And an information analysis unit 5515 (or information analysis means) for calculating achievement goal information for a predetermined period of time for the organization / branch, and the information storage unit 5525 may store the achievement goal information. The storage device may be stored in a predetermined storage medium in association with the organization / branch information.

The model profit and loss simulation unit 5510 is a model profit and loss simulation model that operates based on the balance sheet information and the income statement information of the financial institution, the sales strategy information, market environment information, asset / debt balance information and budget information of the financial institution. It is desirable to predict the gain or loss of the organization / branch by substituting at least one of the information to estimate the amount of funds for the future cash flows of the repayment plan.

In addition, the model profit and loss simulation unit 5510 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, and the sales strategy information, market environment information, asset / liabilities balance information, and the like of the financial institution. Incorporating at least one or more information from the budget information, it is desirable to predict interest rates and profits of the organization / branch in consideration of interest rate attributes (eg, fixed rate / variable rate, etc.) and maturity.

In addition, the model profit and loss simulation unit 5510 is a model profit and loss simulation model that operates based on the balance sheet information and income statement information of the financial institution, sales strategy information, market environment information, asset / liabilities balance information of the financial institution. And by substituting at least one piece of budget information, the interest / loss of the organization / branch using an interest rate difference or a liquidity difference of Asset Liability Management (ALM) is preferable.

In addition, the model profit and loss simulation unit 5510 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, and the sales strategy information, market environment information, asset / liabilities balance information, and the like of the financial institution. Substituting at least one or more of the budget information, it is desirable to estimate the expenses of the organization / branch utilizing a predetermined activity reference cost (ABC).

According to the method of the present invention, the model profit and loss simulation unit 5510 is the individual customer group profitability calculation server D / B (5530), PB customer group profitability calculation server D / B (5535), special customer group profitability calculation server D / B (5540), Corporate Customer Group Profitability Calculation Server D / B (5545), Comprehensive Financial Group Profitability Calculation Server D / B (5550), Fund / International Group Profitability Calculation Server D / B (5555), Trust Group Profitability Extracting the income statement information from at least one profitability information provided in real time from the calculation server D / B 5560, and applying the balance sheet information and the income statement information of the financial institution to the model profit and loss simulation model in real time; At least one or more times of at least one of the business strategy information, market environment information, asset / liabilities balance information, and budget information of the financial institution corresponding to the profit or loss estimation target, It is desirable to provide an ad-hoc (Ad-hoc) simulation capabilities to perform real-time simulations to predict the income of the group organization / point.

According to another exemplary embodiment of the present invention, the profit and loss prediction server 100 predicting the profit or loss for each financial product includes the individual customer group profit calculation server D / B 5530 and the PB customer group profit calculation server D / B 5535. ), Special customer group profitability calculation server D / B (5540), corporate customer group profitability calculation server D / B (5545), comprehensive financial group profitability calculation server D / B (5550), funds / international group profitability calculation server D / An information receiving unit 5500 for receiving at least one profitability information corresponding to a predetermined financial product from the B 5555 and the trust group profitability calculation server D / B 5560 and a financial product among the received at least one profitability information; And an information extracting unit 5505 for extracting revenue information corresponding to the data and extracting revenue generation cost information corresponding to the financial product from the profitability information. The information receiving unit 5500 further includes: gold Business strategy information, market environment information, asset / debt balance information and budget information of the financial institution, asset information, debt information and capital of the financial institution from a predetermined DBMS (or predetermined terminal) in conjunction with the system 5590 And further receiving balance sheet (B / S) information including the information.

In addition, the profit and loss prediction server 100 for predicting the profit or loss for each financial product, the balance sheet information including asset information, debt information and capital information of the financial institution, and extracted by the information extraction unit 5505 And a predetermined model profit and loss simulation model that operates based on the income statement information including the profit of the financial product as a profit account and includes the profit incurred costs of the extracted financial product as a loss account. A model profit and loss simulation unit 5510 predicting the profit and loss of the financial product by substituting the sales strategy information, market environment information, asset / liabilities balance information, and budget information of the financial institution received through the information receiving unit 5500; An information generation unit 5520 for generating profit and loss prediction information of the financial product corresponding to the model profit and loss simulation result, and the generated financial image; Linked to the loss prediction information and said financial instrument information, characterized in that formed in an information storage unit (5525) for storing in a storage medium.

In addition, the profit and loss prediction server 100 for predicting the profit or loss for each financial product, the financial information through the trend analysis (Trend Analysis) for the profit and loss prediction information for a predetermined period generated by the information generation unit 5520 And an information analysis unit 5515 for calculating achievement goal information for a predetermined period of time for the product, wherein the information storage unit 5525 is configured to associate the achievement goal information with the financial product information. It characterized in that the storage in the storage medium.

The model profit and loss simulation unit 5510 is a model profit and loss simulation model that operates based on the balance sheet information and profit statement information of the financial institution, the sales strategy information, market environment information, asset / liabilities balance information and budget of the financial institution. It is desirable to predict the gain or loss of the financial instrument by substituting at least one of the information to estimate the amount of funds for the future cash flows of the principal's repayment plan.

In addition, the model profit and loss simulation unit 5510 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, and the sales strategy information, market environment information, asset / liabilities balance information, and the like of the financial institution. Incorporating at least one or more information from the budget information, it is preferable to predict interest rates and profits of the financial product in consideration of interest rate attributes (eg, fixed rate / variable rate, etc.) and maturity.

In addition, the model profit and loss simulation unit 5510 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, and the sales strategy information, market environment information, asset / liabilities balance information, and the like of the financial institution. By substituting at least one piece of budget information, it is desirable to predict interest income of the financial instrument using interest rate differences or liquidity differences of Asset Liability Management (ALM).

In addition, the model profit and loss simulation unit 5510 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, and the sales strategy information, market environment information, asset / liabilities balance information, and the like of the financial institution. It is preferable to substitute at least one piece of budget information to estimate the expenses of the financial instrument using a predetermined activity reference cost (ABC).

According to the method of the present invention, the model profit and loss simulation unit 5510 is the individual customer group profitability calculation server D / B (5530), PB customer group profitability calculation server D / B (5535), special customer group profitability calculation server D / B (5540), Corporate Customer Group Profitability Calculation Server D / B (5545), Comprehensive Financial Group Profitability Calculation Server D / B (5550), Fund / International Group Profitability Calculation Server D / B (5555), Trust Group Profitability Extracting the income statement information from at least one profitability information provided in real time from the calculation server D / B 5560, and applying the balance sheet information and the income statement information of the financial institution to the model profit and loss simulation model in real time; , At least one or more of the financial institution's sales strategy information, market environment information, asset / debt balance information, and budget information corresponding to the profit or loss estimation target may be used. It is desirable to provide an ad-hoc simulation function that performs a simulation that predicts the profit or loss of an existing financial instrument in real time.

According to another exemplary embodiment of the present invention, the profit and loss prediction server 100 predicting the profit or loss for each customer group (or a specific customer) includes the individual customer group profit calculation server D / B 5530 and the PB customer group profit calculation. Server D / B (5535), Special Customer Group Profitability Calculation Server D / B (5540), Corporate Customer Group Profitability Calculation Server D / B (5545), Comprehensive Financial Group Profitability Calculation Server D / B (5550), Fund / An information receiver 5500 that receives at least one profitability information corresponding to a predetermined customer group (or a specific customer) from the international group profitability calculation server D / B 5555 and the trust group profitability calculation server D / B 5560; Extracting revenue information corresponding to a customer group (or a specific customer) from the received at least one profitability information, and extracting information on revenue generation cost corresponding to the customer group (or a specific customer) from the profitability information; With a part 5505 In addition, the information receiving unit 5500 is connected to the financial system 5590 from a predetermined DBMS (or predetermined terminal) from the financial institution's sales strategy information, market environment information, asset / liabilities balance information And a balance sheet (B / S) information including budget information, asset information, debt information, and capital information of the financial institution.

In addition, the profit and loss prediction server 100 for predicting the profit or loss for each customer group (or a specific customer), the balance sheet information including asset information, debt information and capital information of the financial institution, and the information extraction unit 5505 A predetermined operation that includes profits of the customer groups (or specific customers) extracted by the user account, and includes profit and loss expenses of the extracted customer groups (or specific customers) as loss accounts. A model profit and loss simulation model of the customer, and substitutes sales strategy information, market environment information, asset / liabilities balance information, and budget information of the financial institution received through the information receiving unit 5500 into the model profit and loss simulation model. A model profit and loss simulation unit 5510 for predicting profit and loss of a group (or a specific customer) and the customer group (or corresponding to the model profit and loss simulation result); An information generation unit 5520 for generating profit and loss prediction information of a specific customer), and the profit and loss prediction information of the generated customer group (or a specific customer) is linked to the customer group (or specific customer) information to a predetermined storage medium. And an information storage unit 5525 for storing.

In addition, the profit and loss prediction server 100 for predicting the profit and loss for each customer group (or a specific customer) is a trend analysis of the profit and loss prediction information for a predetermined period generated by the information generation unit 5520 (Trend Analysis) It is characterized in that it comprises an information analysis unit 5515 for calculating the achievement target information for a certain period of time for the customer group (or a specific customer), the information storage unit 5525 is the achievement target The information is stored in a predetermined storage medium in association with the customer group (or specific customer) information.

The model profit and loss simulation unit 5510 is a model profit and loss simulation model that operates based on the balance sheet information and the income statement information of the financial institution, the sales strategy information, market environment information, asset / debt balance information and budget information of the financial institution. It is desirable to predict the gains and losses of the customer group (or a particular customer) by substituting at least one of the information to estimate the amount of funds for the future cash flows of the principal's repayment plan.

In addition, the model profit and loss simulation unit 5510 is a model profit and loss simulation model that operates based on the balance sheet information and income statement information of the financial institution, sales strategy information, market environment information, asset / liabilities balance information of the financial institution. And budget information to predict interest income of the customer group (or a specific customer) in consideration of interest rate attributes (eg, fixed rate / variable rate) and maturity.

In addition, the model profit and loss simulation unit 5510 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, and the sales strategy information, market environment information, asset / liabilities balance information, and the like of the financial institution. Substituting at least one or more of the budget information, it is desirable to predict the interest gains and losses of the customer group (or a specific customer) utilizing the interest rate difference or liquidity difference of Asset Liability Management (ALM).

In addition, the model profit and loss simulation unit 5510 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, and the sales strategy information, market environment information, asset / liabilities balance information, and the like of the financial institution. Substituting at least one or more of the budget information, it is preferable to estimate the expenses of the customer group (or a specific customer) utilizing a predetermined activity reference cost (ABC).

According to the method of the present invention, the model profit and loss simulation unit 5510 is the individual customer group profitability calculation server D / B (5530), PB customer group profitability calculation server D / B (5535), special customer group profitability calculation server D / B (5540), Corporate Customer Group Profitability Calculation Server D / B (5545), Comprehensive Financial Group Profitability Calculation Server D / B (5550), Fund / International Group Profitability Calculation Server D / B (5555), Trust Group Profitability Extracting the income statement information from at least one profitability information provided in real time from the calculation server D / B 5560, and applying the balance sheet information and the income statement information of the financial institution to the model profit and loss simulation model in real time; , At least one or more pieces of information, such as sales strategy information, market environment information, asset / liabilities balance information, and budget information, of the financial institution corresponding to the profit or loss estimate, That provides the customer group ad-hoc (Ad-hoc) simulation capabilities to perform real-time simulations to predict the loss of (or specific customers) is desirable.

Referring to FIG. 55B, the model profit and loss simulation model includes at least one profit or loss based on balance sheet information including asset information, debt information and capital information of the financial institution, and income statement information extracted from at least one profitability information. It is characterized by estimating the profit and loss for each prediction target.

Herein, the asset information included in the balance sheet may include at least one of the assets of the financial institution that can be cashed within one year and fixed assets whose cash is uncertain within one year, and included in the balance sheet. Preferably, the debt information includes at least one property borrowed by the financial institution, and the capital information included in the balance sheet includes property deducted from assets (liabilities) borrowed from total property (assets). desirable.

According to the exemplary embodiment of the present invention, the capital information among the information included in the balance sheet is preferably calculated based on the capital ratio set by the Bank for International Settlement (BIS).

In addition, the income statement information includes balance sheet (B / S) information including asset information, debt information and capital information of the financial institution, and profitability information provided from the individual customer group profitability calculation server D / B 5530. , Profitability information provided from PB customer group profitability calculation server D / B (5535), profitability information provided from special customer group profitability calculation server D / B (5540), corporate customer group profitability calculation server D / B (5545) Profitability information provided, Profitability information provided by Comprehensive Financial Group Profitability Calculation Server D / B 5550, Profitability information provided by Funds / International Group Profitability Calculation Server D / B 5555, Trust Group Profitability Calculation Server D / B At least one number of profitability information provided from 5560 includes profits of at least one profitability information corresponding to a profit and loss forecast object, and at least one or more numbers corresponding to the profit and loss forecast object. It is preferable to include the profit generation cost of profit information as a loss account.

According to an exemplary embodiment of the present invention, the model profit and loss simulation model substitutes at least one or more of sales strategy information, market environment information, asset / debt balance information, and budget information of the financial institution to predict the profit or loss of the profit and loss target. It is preferable.

Herein, the sales strategy information of the financial institution may include at least one of a margin rate, an extension rate, and a new amount of the financial institution, and the market environment information may include at least one interest rate and an exchange rate. Preferably, the asset / liabilities balance information is calculated from asset information and debt information of the balance sheet, and the budget information is preferably calculated from labor costs and various expenses of the financial institution.

56a illustrates a process of predicting profit / loss for each organization / branch using profitability information as a profit and loss statement (P / L) according to one embodiment of the present invention.

More specifically, Figure 56a shows the profit and loss of each organization / branch by substituting at least one of profitability information calculated by at least one profitability calculation server into a predetermined model profit and loss simulation model using a profit / loss statement (P / L). As a system configuration for predicting the present invention, those of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 56a to use at least one profitability information as a profit and loss statement (P / L). Various implementation methods for the process of predicting the profit / loss for each organization / branch may be inferred, but the present invention includes all the implementation methods inferred, and its technical features are limited only by the implementation method shown in FIG. Not.

Referring to Figure 56a, the profit and loss prediction server 100 is the individual customer group profitability calculation server D / B (5530), PB customer group profitability calculation server D / B (5535), special customer group profitability calculation server D / B (5540), corporate customer group profitability calculation server D / B (5545), comprehensive financial group profitability calculation server D / B (5550), funds / international group profitability calculation server D / B (5555), trust group profitability calculation server D Receive at least one or more profitability information corresponding to a predetermined organization / branch from a / B (5560) (a5600), extract the revenue information corresponding to the organization / branch from the received at least one profitability information, and the profitability information Revenue generation cost information corresponding to the organization / branch is extracted from the operation (a5605).

Thereafter, the profit and loss prediction server 100 includes profit information extracted from the profitability information as a profit account, and generates profit and loss statement information including the extracted revenue generation cost information as a loss account (a5610).

If profit and loss statement information including profit information extracted from the profitability information is included in the profit account and the extracted revenue generation expense information is generated as a loss account (a5615), the profit and loss prediction server 100 generates the financial information. In connection with the system 5590, the balance sheet (B / S) information including asset information, debt information, and capital information of the financial institution is received (a5620).

Herein, the asset information included in the balance sheet may include at least one of the assets of the financial institution that can be cashed within one year and fixed assets whose cash is uncertain within one year, and included in the balance sheet. Preferably, the debt information includes at least one property borrowed by the financial institution, and the capital information included in the balance sheet includes property deducted from assets (liabilities) borrowed from total property (assets). desirable.

According to the exemplary embodiment of the present invention, the capital information among the information included in the balance sheet is preferably calculated based on the capital ratio set by the Bank for International Settlement (BIS).

Thereafter, the received balance sheet information and the generated income statement information are applied to a predetermined model profit and loss simulation model (a5625).

In addition, the profit and loss prediction server 100 is connected to the financial system 5590, the sales strategy information, market environment information, asset / debt balance information and budget information of the financial institution for the organization / branch stored in the DBMS. Receive (a5630).

Herein, the sales strategy information of the financial institution may include at least one of a margin rate, an extension rate, and a new amount of the financial institution, and the market environment information may include at least one interest rate and an exchange rate. Preferably, the asset / liabilities balance information is calculated from asset information and debt information of the balance sheet, and the budget information is preferably calculated from labor costs and various expenses of the financial institution.

Thereafter, the profit and loss prediction server 100 substitutes the sales strategy information, market environment information, asset / liabilities balance information, and budget information of the financial institution into the model profit and loss simulation model to perform a profit and loss prediction simulation (a5635). Correspondingly, generating profit and loss prediction information for each organization / branch for predicting the profit and loss of the organization / branch from the model profit and loss simulation model (a5640) and linking the generated profit and loss prediction information for the organization / branch with the corresponding organization / branch information. A predetermined storage medium is stored (a5645).

According to the method of the present invention, the profit and loss prediction server 100 is a model profit and loss simulation model that operates based on the balance sheet information and the income statement information of the financial institution, the sales strategy information, market environment information, assets of the financial institution. It is desirable to predict the profit or loss of the organization / branch by estimating the amount of funds for the future cash flows of the principal's repayment plan by substituting at least one of debt balance information and budget information.

In addition, the profit and loss prediction server 100 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, the sales strategy information, market environment information, asset / liabilities balance information, and budget of the financial institution. Incorporating at least one or more of the information, it is desirable to predict interest rates and profits of the organization / branch in consideration of interest rate attributes (eg, fixed rate / variable rate, etc.) and maturity.

In addition, the profit and loss prediction server 100 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, the sales strategy information, market environment information, asset / liabilities balance information, and budget of the financial institution. Substituting at least one or more of the information, it is desirable to predict the interest and profit of the organization / branch utilizing the interest rate difference or liquidity difference of Asset Liability Management (ALM).

In addition, the profit and loss prediction server 100 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, the sales strategy information, market environment information, asset / liabilities balance information, and budget of the financial institution. It is desirable to substitute at least one piece of information to estimate the cost of the organization / branch utilizing a predetermined activity reference cost (ABC).

In addition, the profit and loss prediction server 100 analyzes the generated profit and loss prediction information for a certain period in the past to calculate the achievement goal information for the future period for the organization / branch (a5650), and calculates the achievement goal information. Stores a predetermined storage medium in association with the organization / branch information (a5655).

* 56b is a diagram illustrating a process of predicting the profit and loss of each financial product using profitability information as a profit and loss statement (P / L) according to another embodiment of the present invention.

In more detail, Figure 56b shows the profit and loss of each financial product by substituting a predetermined model profit and loss simulation model using at least one or more profitability information from profitability information calculated by at least one profitability calculation server as a profit and loss statement (P / L). Regarding predicting system configuration, those skilled in the art may refer to and / or modify the drawing 56b to use at least one profitability information as a profit and loss statement (P / L). Various implementation methods for the process of estimating the profit or loss per product may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG. .

Referring to Figure 56b, the profit and loss prediction server 100 is the individual customer group profitability calculation server D / B (5530), PB customer group profitability calculation server D / B (5535), special customer group profitability calculation server D / B (5540), corporate customer group profitability calculation server D / B (5545), comprehensive financial group profitability calculation server D / B (5550), funds / international group profitability calculation server D / B (5555), trust group profitability calculation server D Receive at least one or more profitability information corresponding to a predetermined financial product from the / B (5560) (b5600), extract the profit information corresponding to the financial product from the received at least one or more profitability information, and finance from the profitability information Revenue generation cost information corresponding to the product is extracted (b5605).

Thereafter, the profit and loss prediction server 100 includes profit information extracted from the profitability information as a profit account, and generates profit and loss statement information including the extracted revenue generation expense information as a loss account (b5610).

If profit and loss statement information including profit information extracted from the profitability information is included in the profit account and the extracted profit generation cost information is generated as a loss account (b5615), the profit and loss prediction server 100 may generate the financial information. In connection with the system 5590, the balance sheet (B / S) information including asset information, debt information, and capital information of the financial institution is received (b5620).

Herein, the asset information included in the balance sheet may include at least one of the assets of the financial institution that can be cashed within one year and fixed assets whose cash is uncertain within one year, and included in the balance sheet. Preferably, the debt information includes at least one property borrowed by the financial institution, and the capital information included in the balance sheet includes property deducted from assets (liabilities) borrowed from total property (assets). desirable.

According to the exemplary embodiment of the present invention, the capital information among the information included in the balance sheet is preferably calculated based on the capital ratio set by the Bank for International Settlement (BIS).

Thereafter, the received balance sheet information and the generated income statement information are applied to a predetermined model profit and loss simulation model (b5625).

In addition, the profit and loss prediction server 100 receives sales strategy information, market environment information, asset / debt balance information and budget information of the financial institution for the financial product stored in the DBMS in connection with the financial system 5590. (B5630).

Herein, the sales strategy information of the financial institution may include at least one of a margin rate, an extension rate, and a new amount of the financial institution, and the market environment information may include at least one interest rate and an exchange rate. Preferably, the asset / debt balance information is calculated from asset information and debt information of the balance sheet, and the budget information is preferably calculated from labor costs and various expenses of the financial institution.

Subsequently, the profit and loss prediction server 100 substitutes the sales strategy information, market environment information, asset / liabilities balance information, and budget information of the financial institution into the model profit and loss simulation model to perform a profit and loss prediction simulation (b5635). Correspondingly, the profit and loss prediction information for each financial product predicting the profit or loss of the financial product is generated from the model profit and loss simulation model (b5640), and the generated profit and loss prediction information for the financial product is linked with the corresponding financial product information. Media storage (b5645).

According to the method of the present invention, the profit and loss prediction server 100 is a model profit and loss simulation model that operates based on the balance sheet information and the income statement information of the financial institution, the sales strategy information, market environment information, assets of the financial institution. It is desirable to predict the profit or loss of the financial instrument by estimating the amount of funds for the future cash flows of the principal's repayment plan by substituting at least one of debt balance information and budget information.

In addition, the profit and loss prediction server 100 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, the sales strategy information, market environment information, asset / liabilities balance information, and budget of the financial institution. Incorporating at least one of the information into the information, it is desirable to predict interest rates and profits of the financial instruments in consideration of interest rate attributes (eg fixed rate / variable rate, etc.) and maturity.

In addition, the profit and loss prediction server 100 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, the sales strategy information, market environment information, asset / liabilities balance information, and budget of the financial institution. It is preferable to substitute interest information of at least one of the information to predict the interest income or loss of the financial instrument using the interest rate difference or liquidity difference of Asset Liability Management (ALM).

In addition, the profit and loss prediction server 100 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, the sales strategy information, market environment information, asset / liabilities balance information, and budget of the financial institution. It is desirable to substitute at least one piece of information to estimate the expense of the financial instrument using a predetermined activity reference cost (ABC).

In addition, the profit and loss prediction server 100 analyzes the generated profit and loss forecast information for the predetermined period of time to calculate the achievement goal information for the future period for the financial product (b5650), and calculates the calculated achievement goal information. A predetermined storage medium is stored in association with the financial product information (b5655).

56c illustrates a process of predicting profit and loss for each customer group (or specific customer) using profitability information as a profit and loss statement (P / L) according to another embodiment of the present invention.

In more detail, the drawing 56c shows a customer group (or specific) by substituting at least one profitability information calculated from at least one profitability calculation server into a predetermined model profit and loss simulation model using the profit and loss statement (P / L). As a system configuration for estimating profit and loss for each customer, those of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing 56c to convert at least one profitability information into an income statement (P / L). Various implementation methods for the process of estimating the profit and loss of each customer group (or a specific customer) may be inferred, but the present invention includes all the implementation methods inferred above, and is illustrated in FIG. The technical features are not limited only by the implementation method.

Referring to Figure 56c, the individual customer group profitability calculation server D / B (5530), PB customer group profitability calculation server D / B (5535), special customer group profitability calculation server D / B (5540), corporate customer group profitability Predetermined from calculation server D / B (5545), comprehensive financial group profit calculation server D / B (5550), fund / international group profit calculation server D / B (5555), trust group profit calculation server D / B (5560) Receive at least one profitability information corresponding to a customer group (or a specific customer) (c5600), extract revenue information corresponding to the customer group (or a specific customer) from the received at least one profitability information, and the profitability information The revenue generation cost information corresponding to the customer group (or the specific customer) is extracted from the c5605.

Thereafter, the profit and loss prediction server 100 includes profit information extracted from the profitability information as a profit account and generates profit and loss statement information including the extracted profit generation cost information as a loss account (c5610).

If profit and loss statement information including the profit information extracted from the profitability information is included in the profit account and the extracted profit generation expenses information is generated as a loss account (c5615), the profit and loss prediction server 100 generates the financial information. In connection with the system 5590, the balance sheet (B / S) information including asset information, debt information, and capital information of the financial institution is received (c5620).

Herein, the asset information included in the balance sheet may include at least one of the assets of the financial institution that can be cashed within one year and fixed assets whose cash is uncertain within one year, and included in the balance sheet. Preferably, the debt information includes at least one property borrowed by the financial institution, and the capital information included in the balance sheet includes property deducted from assets (liabilities) borrowed from total property (assets). desirable.

According to the exemplary embodiment of the present invention, the capital information among the information included in the balance sheet is preferably calculated based on the capital ratio set by the Bank for International Settlement (BIS).

Thereafter, the received balance sheet information and the generated income statement information are applied to a predetermined model profit and loss simulation model (c5625).

In addition, the profit and loss prediction server 100 is linked to the financial system 5590, sales strategy information, market environment information, asset / debt balance information of the financial institution for the customer group (or a specific customer) stored in the DBMS. And budget information (c5630).

Herein, the sales strategy information of the financial institution may include at least one of a margin rate, an extension rate, and a new amount of the financial institution, and the market environment information may include at least one interest rate and an exchange rate. Preferably, the asset / liabilities balance information is calculated from asset information and debt information of the balance sheet, and the budget information is preferably calculated from labor costs and various expenses of the financial institution.

Thereafter, the profit and loss prediction server 100 substitutes the sales strategy information, market environment information, asset / liabilities balance information, and budget information of the financial institution into the model profit and loss simulation model to perform a profit and loss prediction simulation (c5635). Correspondingly, generate profit and loss prediction information for the customer group (or specific customer) for predicting the profit or loss of the customer group (or specific customer) from the model profit and loss simulation model (c5640), and generate the generated customer group (or specific customer). C) store the predetermined profit and loss information in association with the corresponding customer group (or specific customer) information (c5645).

According to the method of the present invention, the profit and loss prediction server 100 is a model profit and loss simulation model that operates based on the balance sheet information and the income statement information of the financial institution, the sales strategy information, market environment information, assets of the financial institution. It is desirable to predict the profit or loss of the customer group (or a particular customer) that estimates the amount of funds for the future cash flows of the principal's repayment plan by substituting at least one of debt balance information and budget information.

In addition, the profit and loss prediction server 100 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, the sales strategy information, market environment information, asset / liabilities balance information, and budget of the financial institution. Incorporating at least one of the information into the information, it is desirable to predict interest rates and profits of the customer group (or a specific customer) in consideration of interest rate attributes (eg, fixed interest rate / variable rate, etc.) and maturity.

In addition, the profit and loss prediction server 100 includes a model profit and loss simulation model that operates on the basis of the balance sheet information and the income statement information of the financial institution, and includes the financial strategy information, market environment information, asset / debt balance information, and the like. Substituting at least one or more of the budget information, it is desirable to predict the interest gains and losses of the customer group (or a specific customer) utilizing the interest rate difference or liquidity difference of Asset Liability Management (ALM).

In addition, the profit and loss prediction server 100 includes a model profit and loss simulation model operating based on the balance sheet information and the income statement information of the financial institution, the sales strategy information, market environment information, asset / liabilities balance information, and budget of the financial institution. It is preferable to substitute the at least one information of the information to estimate the expenses of the customer group (or a specific customer) utilizing a predetermined activity reference cost (ABC).

In addition, the profit and loss prediction server 100 analyzes the generated profit and loss prediction information for a certain period of time, and calculates achievement target information for a certain period of time for the customer group (or a specific customer) (c5650). The stored achievement target information is stored in association with the corresponding customer group (or specific customer) information in a predetermined storage medium (c5655).

57 shows the configuration of a customer-specific profitability calculation system 188 for calculating target marketing information for each customer (group) and operating a calculation result according to an embodiment of the present invention.

In more detail, Figure 57 divides the profitability calculation unit into eight, calculates the profitability by unit in each of the eight servers, and calculates the results from the eight servers for profitability calculation by customer (group) according to the counter staff. A system for operating profitability calculation results through the integrated profitability calculation server 5700, and those skilled in the art to which the present invention pertains, refer to FIG. Various implementation methods for operating calculations and calculation results may be inferred, but the present invention is not limited to this figure 57, and includes all implementation methods inferred above.

Referring to FIG. 57 according to the embodiment of the present invention, the customer-specific profitability calculation system 188 for operating the profitability calculation for each customer (group) and the calculation result according to the counter staff is the individual customer group profitability calculation server 5705 and the PB. Customer group profitability calculation server (5710), special customer group profitability calculation server (5715), corporate customer group profitability calculation server (5720), age-specific profitability calculation server (5725), regional profitability calculation server (5730), gender profitability calculation server ( 5735), job profitability calculation server 5740, integrated profitability calculation server 5700, and the financial system 5750 is provided.

In addition, individual customer group profitability calculation server (5705), PB customer group profitability calculation server (5710), special customer group profitability calculation server (5715), corporate customer group profitability calculation server (5720), age-specific profitability calculation server (5725), Regional profitability calculation server 5730, gender profitability calculation server 5735, job profitability calculation server 5740, integrated profitability calculation server 5700 may be provided inside the financial system 5750, financial system (5750) It may be provided outside of).

In addition, individual customer group profitability calculation server (5705), PB customer group profitability calculation server (5710), special customer group profitability calculation server (5715), corporate customer group profitability calculation server (5720), age-specific profitability calculation server (5725), Regional profitability calculation server 5730, gender profitability calculation server 5735, job profitability calculation server 5740, integrated profitability calculation server 5700 may be provided in the form of a module in one server.

Here, the integrated server receives the information of the PB customer group, the information receiving unit (or information receiving means) for receiving the information of the individual customer group receiving information from the ledger D / B in connection with the external system of the financial system 5750 Information receiving unit for receiving information of the special customer group, information receiving unit for receiving information of the corporate customer group, information receiving unit for receiving age-specific information, information receiving unit for receiving regional information, information receiving unit for receiving gender information, Characterized in that it comprises at least one or more information receiving unit for receiving the information receiving unit for receiving the job-specific information.

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

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

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

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

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

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

According to the implementation method of the present invention, the individual customer group profitability calculation server 5705 may calculate profitability by account products or non-account products of the individual customer group or profitability according to subscription of new account products or new non-account products of the individual customer group. It is characterized by providing a calculation function.

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

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

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

In addition, 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.

According to an embodiment of the present invention, the PB customer group profitability calculation server 5710 may calculate profitability by accounting products or non-accounting products of the PB customer group, or profitability by joining new account products or new non-accounting products of the PB customer group. It is characterized by providing a calculation function.

According to the implementation method of the present invention, the special customer group profitability calculation server 5715 is a profitability based on the profitability calculation by the account product or the non-account product of the special customer group or the new account product or the new non-account product subscription of the special customer group. It is characterized by providing a calculation function.

According to the implementation method of the present invention, the corporate customer group profitability calculation server 5720 may calculate profitability by accounting products or non-accounting products of the corporate customer group, or profitability by joining new account products or new non-accounting products of the corporate customer group. It is characterized by providing a calculation function.

According to the implementation method of the present invention, the age-based profitability calculation server 5725 may provide a profitability calculation function according to age-based accounting products or non-accounting product profitability calculation or age-specific new accounting products or new non-accounting product subscriptions. It is done.

According to an embodiment of the present invention, the regional profitability calculation server 5730 provides a profitability calculation function according to a regional account product or a non-account product profitability calculation or a new account product or a new non-account product subscription for each region. It is done.

According to the implementation method of the present invention, the gender profit calculation server 5735 provides a profitability calculation function based on a gender account product or a non-account product, or a profitability calculation function by joining a new account product or a new non-account product according to a gender. Characterized in that.

According to the implementation method of the present invention, the profitability calculation server 5740 for each job provides a profitability calculation function according to a job accounting or a non-account product profitability calculation or a new account product or a new non-account product subscription for each job. Characterized in that.

According to an embodiment of the present invention, the integrated profitability calculation server 5700 may include profitability information calculated by the individual customer group profitability calculation server 5705 or profitability information calculated by the PB customer group profitability calculation server 5710, Or profitability information calculated by the special customer group profitability calculation server 5715, profitability information calculated by the corporate customer group profitability calculation server 5720, profitability information calculated by the age-specific profitability calculation server 5725, or Providing integrated profitability calculation function that includes at least one profitability calculation server (5740), profitability information calculated by gender profitability calculation server (5735), or profitability information calculated by job profitability calculation server (5740). Characterized in that.

According to the implementation method of the present invention, the financial system 5750 is connected to at least one or more teller terminal provided in the branch (and / or branch) of the financial institution through a predetermined financial network (e.g., branch network). Characterized in that, through the counter terminal provides a financial transaction service of face to face at least one financial transaction customer.

In addition, the financial system 5750 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 5750 is connected to 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 Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 5750 is 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. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system 5750 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 through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to the above financial transaction customers.

In addition, the financial system 5750 is connected to a predetermined telebanking server, and is connected to a predetermined wired voice telephone network (for example, 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 financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 5750 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, digital TV connected to a home network and / Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system 5750 is associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 57, the financial system 5750 is provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. 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 financial system 5750 and at least one other financial system 5750 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., provided in at least one external communication network) Internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc.) System 5750, and / or an external system providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). 5750 includes an interface module corresponding to a middleware platform that provides inter-component interfacing within the financial system 5750, and predetermined functions required for performing respective functions in the components in the financial system 5750. And a database management system (DBMS) including at least one database for storing and managing information (eg, ledger information, and / or customer information, and / or management information).

In addition, the financial system 5750 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 5750 and the purpose of the financial system 5750. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 5750, and thus, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

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

In more detail, Figure 58 shows customer information (eg, social security number, etc.), one or more subscription account information (eg, savings account, savings account, etc.) or subscription fee account information (eg, foreign exchange product (heritage) for calculating profitability of the individual customer group. Import and export trading products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), employee information in charge of subscription accounts or subscription accounts, new Profitability of individual employee groups by extracting employee information that processes subscription account information or new subscription account information, new subscription account information or new subscription account information, and extracts information about individual customer groups from the extracted information. As showing the internal configuration of the system for calculation, those of ordinary skill in the field to which the present invention belongs, with reference to this figure 58 the profitability of the individual customer group Would be able to infer a variety of embodiment of the system for output, the invention is not limited to the figure 58, 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

In addition, the foreign exchange product is preferably meant for import and export trading products such as lactic acid.

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

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

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

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

According to the implementation method of the present invention, the profitability calculation system of the employee of the individual customer group teller is based on the profitability calculation by the account product or the non-account product of the individual customer group or the profitability of the new account product or the new non-account product subscription of the individual customer group. At least one financial transaction (eg, credit, reception, currency exchange) through the personal customer group profitability calculation server 5705, at least one face-to-face or non-face-to-face financial transaction channel provided at the branch (or branch) of the financial institution. , A foreign exchange remittance, financial investment, etc.) is provided with a financial system 5750 for providing a service.

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

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

The personal customer group profitability calculation server 5705 may include customer information, one or more subscription account information or one or more subscription account information associated with the customer information, employee information in charge of the subscription account or subscription account, new subscription account information, or Extracting the new subscription cost information from the financial system (5750), it is preferable to check the profitability of the individual customer group for each employee according to the employee information, if the person having ordinary knowledge in the field of the present invention, this figure 58, a variety of information for calculating the profitability of individual customer groups, such as the expenses (e.g., employee wages) for the employees in charge of the individual customer group, can be added to the method of confirming the profitability of the individual customer group. In Fig. 58, the factor of the employee's cost is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

* The individual customer profit calculation server has a D / B server for storing the profit calculation result of the individual customer group, or a separate D / B server and communication network having a D / B for storing the profit result of the individual customer group. It is linked through.

Referring to FIG. 58, the personal customer group profitability calculation server 5705 may receive an information receiver 5800 (or information) for receiving information from the ledger D / B 5850 in association with the external system of the financial system 5750. Receiving means), an information extracting unit 5805 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 5850, and profitability information among information extracted from the ledger D / B 5850; Information confirmation unit 5810 (or information confirmation means) to confirm, profitability calculation unit 5815 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B An information storage unit 5820 (or information storage means) is provided.

Here, the ledger D / B 5850 is a D / B provided in the financial system 5750, and the ledger D / B 5850 has customer information, account information, and non-account required for calculating profitability for the individual customer group. It is preferable to include information and staff information.

According to the exemplary embodiment of the present invention, the information receiving unit 5800 may include the customer information, the account information and account employee information subscribed to the customer, or the non-account information and non-account employee information registered by the customer or the customer is new. The financial system 5750 may include information on at least one of new subscription account information and new subscription account employee information about a registered account or information including new subscription account information and new subscription account employee information newly registered by the customer. The ledger information is received from the ledger D / B 5850 in association with the alien and provided to the information extraction unit 5805.

Here, the ledger information includes customer information, account information, non-account information, and employee information requested by the financial system 5750 from the individual customer group profitability calculation server 5705 to calculate profitability for the individual customer group. desirable.

According to the exemplary embodiment of the present invention, the information extracting unit 5805 may include the customer information received from the information receiving unit 5800, one or more subscription account information or subscription fee account information associated with the customer information, the subscription account or subscription fee. Extract the information on the individual customer group from the employee information in charge of the account and provide it to the information verification unit 5810, or the new subscription associated with the customer information, the customer information received by the information receiving unit 5800 Information about the individual customer group is extracted from the account information or the new subscription ratio account information, the employee information managing the new subscription account or the new subscription ratio account, and provided to the information verification unit 5810.

According to the exemplary embodiment of the present invention, the information checking unit 5810 may include the customer information extracted by the information extracting unit 5805, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. From the information on the individual customer group of the employee information in charge of the subscription account profitability information or non-account profitability information, or the customer information extracted from the information extraction unit 5805, new subscription account information associated with the customer information or new Checking the new subscription account profitability information or the new subscription non-account profitability information from the subscription ratio account information, the new subscription account or the employee information managing the new subscription account, the information storage unit 5820 and the above The profitability calculation unit 5815 is provided.

The profitability calculation unit 5815 may include subscription account profitability information for the individual customer group or subscription ratio account profitability information for the individual customer group or new subscription account profitability information for the individual customer group or the individual provided by the information checking unit 5810. Profitability is calculated in connection with profitability information for a plurality of individual customer groups including at least one new subscription non-account profitability information for the customer group, information storage unit for the calculated profitability information for the individual customer group Provided as (5820).

According to the method of the present invention, the profitability calculation unit 5815 borrows the deposit for the savings account or savings account from the subscription account information for the individual customer group and receives interest, such as interest income or loan interest income for the loan account. It is desirable to calculate profitability information.

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

In addition, the profitability calculation unit 5815 is a handling fee for a foreign exchange product transaction or a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an additional service in the subscription fee account information for the individual customer group. It is desirable to calculate profitability information, such as handling fees.

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

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

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

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

In this case, the new subscription fee profitability information for the individual customer group may include handling fees for new foreign exchange deals, handling fees for new derivatives subscriptions, potential management fees for new derivatives subscriptions, or new securities transactions. It is preferable to include at least one fee or the like.

According to an embodiment of the present invention, the information storage unit 5820 stores the profitability information provided by the profitability calculation unit 5815 in a D / B provided in the personal customer group profitability calculation server 5705 or calculates the profitability. It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 5815 through a communication network.

According to the implementation method of the present invention, the financial system 5750 is connected with the personal customer group profitability calculation server 5705 and the ledger information in connection with the ledger D / B (5850) inside the financial system (5750) A function for providing to the group profitability calculation server 5705 is provided, and a detailed description of the internal configuration has been described with reference to FIG.

Further, the ledger information for the ledger D / B 5850 of the financial system 5750 has more information than the information shown in the ledger D / B 5850 of the financial system 5750 shown in FIG. Only the information for calculating customer group profitability is shown.

Figure 59 shows the profitability information of the subscription account for the individual customer group, the profitability of the subscription account for the individual customer group, the profitability information of the new subscription account for the individual customer group according to the method of the present invention. For example, it illustrates the operation flow of the system for calculating the profitability of the personal customer group, which includes at least one profitability information of the new subscription fee for the individual customer group.

In more detail, Figure 59 shows the ledger information from the ledger D / B (5850) of the financial system (5750) shown in Figure 57, and the individual customer through the individual customer group profitability calculation server (5705) shown in Figure 58 The above five conditions of the group (subscription account profitability information for individual customer groups, subscription account profitability information for individual customer groups, new subscription account profitability information for individual customer groups, new subscription non-account profitability information for individual customer groups) Regarding the process of confirming the profitability information and storing and registering in the D / B of the individual customer group profitability calculation server 5705, the person having ordinary knowledge in the field to which the present invention belongs, Various implementation methods of the system for calculating the profitability of the customer group may be inferred, but the present invention is not limited to the drawing 59. It includes.

Hereinafter, in Fig. 59, the personal customer group profitability calculation server 5705 shown in Fig. 58 is referred to as &quot; server &quot; for convenience.

Referring to FIG. 59A, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 5850 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 5850 to the server (5900a).

Here, the ledger information means customer information stored and registered in the ledger D / B 5850 of the financial system 5750, subscription account information associated with the customer information, and employee information in charge of the subscription account. desirable.

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the subscription account information from the ledger information and extracts information about the individual customer group from the subscription account information (5905a).

If information on groups other than the individual customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 59a, only the portion of the individual customer group is processed (5910a). ).

Thereafter, the server checks profitability information of the subscription account corresponding to the individual customer group (5915a), and stores and registers the confirmed profitability information in the server storage medium 5830 (5920a).

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

Referring to FIG. 59B, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 5850 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 5850 to the server (5900b).

Here, the ledger information means customer information stored and registered in the ledger D / B 5850 of the financial system 5750, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account. desirable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the subscription ratio account information from the ledger information and extracts the information on the individual customer group from the subscription ratio account information (5905b).

If information on groups other than the individual customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 59b, only the part of the individual customer group is processed (5910b). ).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the individual customer group (5915b), and stores and registers the confirmed profitability information in the server storage medium 5830 (5920b).

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

Referring to FIG. 59C, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 5850 to calculate the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 5850 to the server (5900c).

Here, the ledger information means customer information stored and registered in the ledger D / B 5850 of the financial system 5750, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. It is desirable to.

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the new subscription account information from the ledger information and extracts information on the individual customer group from the new subscription account information (5905c).

If information about groups other than the individual customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 59c, only the portion of the individual customer group is processed (5910c). ).

Thereafter, the server checks the new subscription account profitability information corresponding to the individual customer group (5915c), and stores and registers the confirmed profitability information in the server storage medium 5830 (5920c).

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

Referring to FIG. 59D, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 5850 for the profitability calculation to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 5850 to the server (5900d).

Here, the ledger information means customer information stored and registered in the ledger D / B 5850 of the financial system 5750, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

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

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

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

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the new subscription fee account information from the ledger information, and extracts the information about the individual customer group from the new subscription fee account information (5905d).

If information about groups other than the individual customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 59d, only the portion of the individual customer group is processed (5910d). ).

Thereafter, the server checks profitability information of the new subscription fee account corresponding to the individual customer group (5920d), and stores and registers the confirmed profitability information on the server storage medium 5830 (5925d).

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

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

In more detail, Figure 60 shows customer information (e.g., social security number), one or more subscription account information (e.g., savings account, savings account, etc.) or subscription account information (e.g., foreign exchange products (heritage) Import and export trading products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), employee information in charge of subscription accounts or subscription accounts, new The profitability of each employee of the counter for the PB customer group is extracted by extracting the employee information which processed the subscription account information or the new subscription account information, the new subscription account information or the new subscription account information, and extracts the information about the PB customer group from the extracted information. As showing the internal configuration of the system for calculation, those of ordinary skill in the field of the present invention, with reference to this figure 60 for the profitability calculation of the PB customer group Would be able to infer a variety of embodiment of the system, the invention is not limited to the figure 60, 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

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

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

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

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

According to the method of the present invention, the profitability calculation system of the employee of the PB customer group teller is based on the profitability calculation of the account product or the non-account product of the PB customer group or the profitability of joining the new account product or the new non-account product of the PB customer group. PB customer group profit calculation server 5710, at least one of the face-to-face or non-face-to-face financial transaction channel provided in the branch (or branch) of the financial institution to calculate the at least one financial transaction (eg, credit, reception, currency exchange) , A foreign exchange remittance, financial investment, etc.) is provided with a financial system 5750 for providing a service.

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

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

The PB customer group profitability calculation server 5710 includes customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, employee information in charge of the subscription account or subscription fee account, and new subscription account information. Alternatively, a method of checking profitability of the PB customer group for each employee based on the employee information by extracting the new subscription fee account information from the financial system 5750 is preferred, and a person having ordinary knowledge in the field to which the present invention belongs, Referring to FIG. 60, a variety of information for calculating the profitability of the PB customer group, such as the cost (e.g., employee wages) for the employee in charge of the PB customer group, may be added to the method of confirming the profitability of the PB customer group. In FIG. 60, the factor of the employee's cost is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

The PB customer profit calculation server includes a D / B for storing the profitability calculation result of the PB customer group or a separate D / B server and a communication network having a D / B for storing the profitability calculation result of the PB customer group. Interlocked.

Referring to FIG. 60, the PB customer group profitability calculation server 5710 may receive information from the general ledger D / B 6050 in association with the external system of the financial system 5750 (or the information). Receiving means), an information extracting unit 6005 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 6050, and profitability information among the information extracted from the ledger D / B 6050. Confirming information confirmation unit 6010 (or information confirmation means), profitability calculation unit 6015 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B An information storage unit 6020 (or information storage means) is provided.

Here, the ledger D / B 6050 is a D / B provided in the financial system 5750, and the ledger D / B 6050 includes customer information, account information, and non-account required for calculating profitability for the PB customer group. It is preferable to include information and staff information.

According to the embodiment of the present invention, the information receiving unit 6000 is the customer information, the account information and the account staff information subscribed to the customer or the non-account information and non-account staff information subscribed to the customer or the customer is new The financial system 5750 may include information regarding at least one of new subscription account information and new subscription account staff information for a registered account, or information including new subscription fee account information and new subscription account staff information newly registered by the customer. The ledger information is received from the ledger D / B 6050 in association with the alien and provided to the information extracting unit 6005.

Here, the ledger information includes customer information, account information, non-account information, employee information requested from the PB customer group profitability calculation server 5710 to the financial system 5750 to calculate profitability for the PB customer group. desirable.

According to the exemplary embodiment of the present invention, the information extracting unit 6005 may include the customer information received from the information receiving unit 6000, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extract the information on the PB customer group from the employee information in charge of the information provided to the information check unit 6010, or the new subscription account associated with the customer information, the customer information received from the information receiving unit 6000 The information on the PB customer group is extracted from the information or the new subscription ratio account information, the employee information managing the new subscription account or the new subscription ratio account, and provided to the information verification unit 6010.

According to the exemplary embodiment of the present invention, the information checking unit 6010 may include the customer information extracted from the information extracting unit 6005, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Among the employee information in charge of the PB customer group information from the subscription account profitability information or non-account profitability information, or the customer information extracted from the information extraction unit 6005, new subscription account information associated with the customer information or new Checking the new subscription account profitability information or the new subscription cost account profitability information from the PB customer group among the subscription cost account information, the new subscription account or the employee information managing the new subscription account, the information storage unit 6020 and the above Provided to the profitability calculation unit 6015.

The profitability calculation unit 6015 may include subscription account profitability information for the PB customer group or subscription cost account profitability information for the PB customer group or new subscription account profitability information or PB for the PB customer group provided by the information checking unit 6010. Profitability is calculated by linking with profitability information of various PB customer groups including at least one new subscription non-account profitability information for the customer group, and the information storage unit (10). 6020).

According to the implementation method of the present invention, the profitability calculation unit 6015 borrows the deposit for the savings account or savings account from the subscription account information for the PB customer group and receives interest, such as interest income or loan interest income for the loan account, etc. It is desirable to calculate profitability information.

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

In addition, the profitability calculation unit 6015 may include a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an incidental service in a subscription fee account information for a PB customer group. It is desirable to calculate profitability information, such as handling fees.

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

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

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

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

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

According to an exemplary embodiment of the present invention, the information storage unit 6020 stores profitability information provided by the profitability calculation unit 6015 in a D / B provided in the PB customer group profitability calculation server 5710 or calculates the profitability. It is interlocked with a separate D / B server having a D / B for storing profitability information provided by the unit 6015 through a communication network.

According to an embodiment of the present invention, the financial system 5750 is linked to the ledger D / B (6050) in the financial system 5570 in conjunction with the PB customer group profit generation server 5710 to PB information It provides a function for providing to the customer group profitability calculation server 5710, the detailed description of the internal configuration has been described with reference to Figure 57, it is omitted.

Further, the ledger information for the ledger D / B 6050 of the financial system 5750 has more information than the information shown in the ledger D / B 6050 of the financial system 5750 shown in FIG. Only the information for calculating customer group profitability is shown.

61 shows profitability information of a subscription account for a PB customer group, profitability information for a subscription fee for a PB customer group, and profitability information for a new PB customer group according to an embodiment of the present invention. In this case, the operation flow of the system for calculating the profitability of the PB customer group including at least one profitability information of the new subscription fee account for the PB customer group is shown.

In more detail, Figure 61 shows the ledger information from the ledger D / B (6050) of the financial system (5750) shown in Figure 57, PB customer group through the PB customer group profitability calculation server (5710) shown in Figure 60 On the above five conditions of the Group (subscription account profitability information for PB customer groups, profitability information for subscription accounts for PB customer groups, profitability information for new subscription accounts for PB customer groups, and profitability information for new subscription accounts for PB customer groups). Regarding the process of checking the profitability information and storing and registering in the D / B of the PB customer group profitability calculation server 5710, the present invention will be described with reference to FIG. 61. Although various implementation methods of the system for calculating profitability of the PB customer group may be inferred, the present invention is not limited to this figure 61, and includes all the implementation methods inferred from the above.

Hereinafter, in FIG. 61, the PB customer group profitability calculation server 5710 shown in FIG. 60 is referred to as "server" for convenience.

Referring to FIG. 61A, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6050 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6050 to the server (6100a).

Here, the ledger information means customer information stored and registered in the ledger D / B 6050 of the financial system 5750, subscription account information associated with the customer information, and employee information in charge of the subscription account. desirable.

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts subscription account information from the ledger information, and extracts information on the PB customer group from the subscription account information (6105a).

If information about groups other than the PB customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 61A, only the portion of the PB customer group is processed (6110a). ).

Thereafter, the server checks the profitability information of the subscription account corresponding to the PB customer group (6115a), and stores and registers the checked profitability information in the server storage medium (6030) (6120a).

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

Referring to FIG. 61B, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6050 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6050 to the server (6100b).

* Here, the ledger information means customer information stored and registered in the ledger D / B (6050) of the financial system (5750), subscription fee account information associated with the customer information, employee information in charge of the subscription fee account; It is preferable.

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 subscription account information is preferably made of at least one non-account information subscribed to by customers, such as foreign exchange products, derivatives, securities, collateral services.

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

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

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

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the subscription ratio account information from the ledger information, and extracts information about the PB customer group from the subscription ratio account information (6105b).

If information about groups other than the PB customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 61B, only the portion of the PB customer group is processed (6110b). ).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the PB customer group (6115b), and stores and registers the checked profitability information in the server storage medium (6030) (6120b).

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

Referring to FIG. 61C, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6050 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6050 to the server (6100c).

Here, the ledger information means customer information stored and registered in the ledger D / B 6050 of the financial system 5750, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. It is desirable to.

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the new subscription account information from the ledger information and extracts information about the PB customer group from the new subscription account information (6105c).

If information about groups other than the PB customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 61C, only the portion of the PB customer group is processed (6110c). ).

Thereafter, the server checks the new subscription account profitability information corresponding to the PB customer group (6115c), and stores and registers the checked profitability information in the server storage medium (6030) (6120c).

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

Referring to FIG. 61D, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6050 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6050 to the server (6100d).

Here, the ledger information means customer information stored and registered in the ledger D / B 6050 of the financial system 5750, new subscription fee information associated with customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

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

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

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

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the new subscription fee account information from the ledger information and extracts information about the PB customer group from the new subscription fee account information (6105d).

If information about groups other than the PB customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 61D, only the portion of the PB customer group is processed (6110d). ).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the PB customer group (6120d), and stores and registers the confirmed profitability information in the server storage medium (6030) (6125d).

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

Fig. 62 shows the system configuration for calculating the profitability of the employee of the special customer group window according to the embodiment of the present invention.

In more detail, FIG. 62 shows customer information (eg, social security number, etc.), one or more subscription account information (eg, savings account, savings account, etc.) or subscription account information (eg, foreign exchange product ( Employees in charge of import and export trading products such as estates, derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), ancillary services (exchanges, etc.), subscription accounts or subscription accounts, By extracting the new member account information or new member account information, new member account information or new member account information processing the new member account information, and extracts the information about the special customer group from the extracted information by the window staff for the special customer group As showing the internal configuration of the system for calculating profitability, those skilled in the art to which the present invention pertains, the profitability of the special customer group with reference to FIG. Would be able to infer a variety of embodiment of the system for output, the invention is not limited to the figure 62, 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

In addition, the subscription account information preferably comprises at least one non-account information subscribed 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 employee information preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

According to the method of the present invention, the profitability calculation system of the employee of the special customer group counter is based on the profitability calculation by the account product or the non-account product of the special customer group or the profitability of the new account product or the new non-account product subscription of the special customer group. At least one financial transaction (eg, credit, reception, currency exchange) through a special customer group profitability calculation server 5715, at least one face-to-face or non-face-to-face financial transaction channel provided at a branch (or branch) of a financial institution , A foreign exchange remittance, financial investment, etc.) is provided with a financial system 5750 for providing a service.

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

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

The special customer group profitability calculation server 5715 may include customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, employee information in charge of the subscription account or subscription fee account, new subscription account information, or Extracting the new subscription ratio account information from the financial system (5750), it is preferable to check the profitability of the special customer group for each employee according to the employee information, if the person having ordinary knowledge in the field of the present invention, this figure With reference to 62, various information for calculating the profitability of a special customer group, such as the expenses (e.g., employee wages) for the employee in charge of the special customer group, can be added to the method of confirming the profitability of the special customer group. In Fig. 62, the factor of the employee's cost is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

* The special customer profit calculation server includes a D / B server for storing the profit calculation result of the special customer group or a separate D / B server and communication network having a D / B for saving the profit result of the special customer group. It is linked through.

Referring to FIG. 62, the special customer group profitability calculation server 5715 receives an information receiver 6200 (or information) for receiving information from the ledger D / B 6250 in association with the external system of the financial system 5750. Receiving means), an information extracting unit 6205 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 6250, and profitability information among the information extracted from the ledger D / B 6250. Information confirmation unit 6210 (or information confirmation means) for confirming, profitability calculation unit 6215 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in D / B. And an information storage unit 6220 (or information storage means).

Here, the ledger D / B 6250 is a D / B provided in the financial system 5750, and the ledger D / B 6250 includes customer information, account information, and non-account required for calculating profitability for a special customer group. It is preferable to include information and staff information.

According to the exemplary embodiment of the present invention, the information receiving unit 6200 may include the customer information, account information and account employee information subscribed to the customer, or non-account information and non-account employee information registered by the customer or the customer is new. The financial system 5750 may include information on at least one of new subscription account information and new subscription account employee information about a registered account or information including new subscription account information and new subscription account employee information newly registered by the customer. The ledger information is received from the ledger D / B 6250 in association with the alien and provided to the information extracting unit 6205.

Here, the ledger information includes customer information, account information, non-account information, employee information requested by the special customer group profitability calculation server 5715 to the financial system 5750 to calculate profitability for the special customer group. desirable.

According to the exemplary embodiment of the present invention, the information extracting unit 6205 may receive the customer information received from the information receiving unit 6200, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extract the information on the special customer group from the employee information in charge of the information provided to the information verification unit 6210, or the new subscription account associated with the customer information, the customer information received from the information receiving unit 6200 Information about the special customer group is extracted from the information or the new subscription ratio account information, the employee information managing the new subscription account or the new subscription ratio account, and provided to the information verification unit 6210.

According to the exemplary embodiment of the present invention, the information checking unit 6210 may include the customer information extracted by the information extracting unit 6205, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Among the employee information in charge of the special customer group information on the subscription account profitability information or non-account profitability information, or the customer information extracted from the information extraction unit 6205, new subscription account information associated with the customer information or new Checking the new subscription account profitability information or the new subscription non-account profitability information from the subscription cost account information, the new subscription account or the employee information managing the new subscription account, the information storage unit 6220 and the above Provided to the profitability calculation unit 6215.

The profitability calculation unit 6215 may include subscription account profitability information for the special customer group or subscription ratio account profitability information for the special customer group or new subscription account profitability information for the special customer group or the special customer group. It is characterized by calculating the profitability in connection with the profitability information for a number of special customer groups including at least one new subscription non-account profitability information for the customer group, the information storage unit (1) 6220).

According to the method of the present invention, the profitability calculation unit 6215 borrows a deposit on a savings account or a savings account from the subscription account information for the special customer group and receives interest, such as interest income or loan interest income on the loan account. It is desirable to calculate profitability information.

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

In addition, the profitability calculation unit 6215 may include a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an incidental service in a subscription account information for a special customer group. It is desirable to calculate profitability information such as handling fees.

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

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

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

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

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

According to an embodiment of the present invention, the information storage unit 6220 stores the profitability information provided by the profitability calculation unit 6215 in a D / B provided in the special customer group profitability calculation server 5715 or calculates the profitability. It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit 6215 through a communication network.

According to the implementation method of the present invention, the financial system 5750 is linked with the special customer group profitability calculation server 5715 ledger special information in conjunction with the ledger D / B (6250) in the financial system (5750) A function for providing to the group profitability calculation server 5715 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 6250 of the financial system 5750 has more information than the information shown in the ledger D / B 6250 of the financial system 5750 shown in FIG. Only the information for calculating customer group profitability is shown.

Figure 63 shows the profitability information of the subscription account for the special customer group, the profitability of the subscription account for the special customer group, the profitability information of the new subscription account for the special customer group according to the method of the present invention. For example, it illustrates the operation flow of the system for calculating the profitability of the special customer group, which includes at least one profitability information of the new subscription fee for the special customer group.

In more detail, the drawing 63 takes ledger information from the ledger D / B 6250 of the financial system 5750 shown in FIG. 57 and the special customer through the special customer group profitability calculation server 5715 shown in FIG. On the above five conditions of the group (subscription account profitability information for special customer groups, subscription account profitability information for special customer groups, new subscription account profitability information for special customer groups, and new subscription non-account profitability information for special customer groups). It relates to a process of storing and registering in the D / B of the special customer group profitability calculation server (5715) by checking the profitability information, if the person having ordinary knowledge in the field to which the present invention belongs, Various implementation methods of the system for calculating the profitability of the customer group may be inferred, but the present invention is not limited to the drawing 63. It includes.

Hereinafter, in FIG. 63, the special customer group profitability calculation server 5715 shown in FIG. 62 is referred to as "server" for convenience.

Referring to FIG. 63a, the server connects to the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6250 to calculate the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6250 to the server (6300a).

Here, the ledger information means customer information stored and registered in the ledger D / B 6250 of the financial system 5750, subscription account information associated with customer information, and employee information in charge of the subscription account. desirable.

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

In addition, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 5750 as described above, the server extracts subscription account information from the ledger information and extracts information on a special customer group from the subscription account information (6305a).

If information about groups other than the special customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 63a, only the part of the special customer group is processed (6310a). ).

Thereafter, the server checks the profitability information of the subscription account corresponding to the special customer group (6315a), and stores and registers the checked profitability information in the server storage medium 6230 (6320a).

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

Referring to FIG. 63B, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6250 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6250 to the server (6300b).

Here, the ledger information means customer information stored and registered in the ledger D / B 6250 of the financial system 5750, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account. desirable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the subscription ratio account information from the ledger information and extracts the information on the special customer group from the subscription ratio account information (6305b).

If information about groups other than the special customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 63b, only the part of the special customer group is processed (6310b). ).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the special customer group (6315b), and stores and registers the checked profitability information in the server storage medium 6230 (6320b).

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

Referring to FIG. 63c, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6250 to calculate the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6250 to the server (6300c).

Here, the ledger information means customer information stored and registered in the ledger D / B 6250 of the financial system 5750, new subscription account information associated with customer information, and employee information in charge of the new subscription account. It is desirable to.

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts new subscription account information from the ledger information and extracts information about a special customer group from the new subscription account information (6305c).

If information about groups other than the special customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 63c, only the part of the special customer group is processed (6310c). ).

Thereafter, the server checks the new subscription account profitability information corresponding to the special customer group (6315c), and stores and registers the checked profitability information in the server storage medium 6230 (6320c).

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

Referring to FIG. 63D, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6250 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6250 to the server (6300d).

Here, the ledger information means customer information stored and registered in the ledger D / B 6250 of the financial system 5750, new subscription fee information associated with customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

In addition, the foreign exchange product is preferably meant for import and export trading products such as lactic acid.

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

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

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the new subscription fee account information from the ledger information and extracts the information about the special customer group from the new subscription fee account information (6305d).

If information about groups other than the special customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 63d, only the part of the special customer group is processed (6310d). ).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the special customer group (6320d), and stores and registers the checked profitability information on the server storage medium 6230 (6325d).

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

64 shows a system configuration for calculating the profitability of the employee of the company customer group window according to the embodiment of the present invention.

More specifically, Figure 64 shows customer information (eg, social security number, etc.), one or more subscription account information (eg, savings account, savings account, etc.) or subscription cost account information (eg, foreign exchange product (heritage) for calculating profitability of the corporate customer group. Import and export trading products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.), employee information in charge of subscription accounts or subscription accounts, new Profitability of each employee by the window staff for the corporate customer group by extracting the employee information which processed the subscription account information or the new subscription account information, the new subscription account information or the new subscription account information, and extracts the information about the corporate customer group from the extracted information The internal configuration of the system for calculation, which is a person having ordinary knowledge in the field to which the present invention belongs, with reference to this figure 64 the profitability of the corporate customer group Would be able to infer a variety of embodiment of the system for output, the invention is not limited to the figure 64, 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

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

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

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

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

According to the implementation method of the present invention, the profitability calculation system of the employee of the corporate customer group teller is based on the profitability calculation by the account product or non-account product of the enterprise customer group or the profitability of joining a new account product or new non-account product of the corporate customer group Corporate customer group profitability calculation server 5720 to calculate the at least one financial transaction (eg, credit, reception, currency exchange) through at least one or more face-to-face or non-face-to-face financial transaction channels provided to branches (or branches) of financial institutions , A foreign exchange remittance, financial investment, etc.) is provided with a financial system 5750 for providing a service.

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

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

The corporate customer group profitability calculation server 5720 may include customer information, one or more subscription account information or one or more subscription account information associated with the customer information, employee information in charge of the subscription account or subscription account, new subscription account information, or Extracting the new subscription cost information from the financial system (5750), it is preferable to check the profitability of the employee-specific corporate customer group according to the employee information, if the person having ordinary knowledge in the field of the present invention, this figure With reference to 64, a variety of information for calculating the profitability of the corporate customer group can be added to the method of confirming the profitability of the corporate customer group. In Fig. 64, the factor of the employee's cost is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

Referring to FIG. 64, the corporate customer group profitability calculation server 5720 may receive an information receiver 6400 (or information) for receiving information from the ledger D / B 6650 in association with the external system of the financial system 5750. Receiving means), an information extracting unit 6405 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 6450, and profitability information among the information extracted from the ledger D / B 6450. The information confirmation unit 6410 (or information confirmation means) for checking, the profitability calculation unit 6415 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in the D / B And an information storage unit 6420 (or information storage means).

Here, the ledger D / B 6450 is a D / B provided in the financial system 5750, and the ledger D / B 6450 includes customer information, account information, and information necessary for calculating profitability for the corporate customer group. It is desirable to include account information and staff information.

According to the exemplary embodiment of the present invention, the information receiving unit 6400 may include the customer information, the account information and account employee information subscribed to the customer, or the non-account information and non-account employee information registered by the customer or the customer is new. The financial system 5750 may include information on at least one of new subscription account information and new subscription account employee information about a registered account or information including new subscription account information and new subscription account employee information newly registered by the customer. The ledger information is received from the ledger D / B 6450 in association with the alien and provided to the information extraction unit 6405.

Here, the ledger information includes customer information, account information, non-account information, employee information requested by the corporate customer group profitability calculation server 5720 to the financial system 5750 for calculating profitability for the corporate customer group. desirable.

According to the exemplary embodiment of the present invention, the information extracting unit 6405 may include the customer information received from the information receiving unit 6400, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extract the information on the corporate customer group from the employee information in charge of the information provided to the information verification unit 6410, or the new subscription account associated with the customer information, the customer information received from the information receiving unit 6400 The information about the new customer account group is extracted from the information or the new subscription ratio account information, the employee information managing the new subscription account or the new subscription ratio account, and provided to the information verification unit 6410.

According to the exemplary embodiment of the present invention, the information confirming unit 6410 may include the customer information extracted by the information extracting unit 6405, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Among the employee information in charge of the information on the corporate customer group subscription account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 6405, new subscription account information associated with the customer information or new Checking the new subscription account profitability information or the new subscription non-account profitability information from the subscription cost account information, the new subscription account or the employee information managing the new subscription account, the information storage unit (6420) and the above Provided to the profitability calculation unit (6415).

The profitability calculation unit 6215 may include subscription account profitability information for the corporate customer group or subscription non-account profitability information for the corporate customer group or new subscription account profitability information for the corporate customer group provided by the information checking unit 6410. Profitability is calculated by linking with profitability information of various corporate customer groups including at least one new subscription non-account profitability information for the customer group, information storage unit ( 6420).

According to the implementation method of the present invention, the profitability calculation unit 6515 borrows the deposit for the savings account or savings account from the subscription account information for the corporate customer group and receives interest, such as interest income or loan interest income for the loan account, etc. It is desirable to calculate profitability information.

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

In addition, the profitability calculation unit 6215 may handle handling fees for foreign exchange commodity transactions, handling fees for derivatives, handling fees for derivatives, handling fees for securities, or ancillary services. It is desirable to calculate profitability information, such as handling fees.

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

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

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

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

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

According to the method of the present invention, the information storage unit 6620 stores the profitability information provided by the profitability calculation unit 6215 in the D / B provided in the corporate customer group profitability calculation server 5720, or calculate the profitability It is linked with a separate D / B server having a D / B for storing the profitability information provided by the unit (6415) through a communication network.

According to the implementation method of the present invention, the financial system 5750 is linked to the corporate customer group profitability calculation server 5720 and the ledger information in conjunction with the ledger D / B (6450) in the financial system 5750 corporate customers A function for providing to the group profitability calculation server 5720 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 6450 of the financial system 5750 has more information than the information shown in the ledger D / B 6450 of the financial system 5750 shown in Figure 64, Only the information for calculating customer group profitability is shown.

Figure 65 shows the profitability information of the subscription account for the corporate customer group, profitability information of the subscription account for the corporate customer group, profitability information for the corporate customer group according to the method of the present invention For example, it illustrates the operation flow of the system for calculating the profitability of the corporate customer group, which includes at least one profitability information of the new subscription fee for the corporate customer group.

In more detail, the drawing 65 obtains the ledger information from the ledger D / B 6450 of the financial system 5750 shown in FIG. 57, and the corporate customer through the corporate customer group profitability calculation server 5720 shown in the drawing 64. The above five conditions of the group (subscription account profitability information for corporate customer groups, subscription account profitability information for corporate customer groups, new subscription account profitability information for corporate customer groups, new subscription non-account profitability information for corporate customer groups) This is about the process of storing and registering in the D / B of the corporate customer group profitability calculation server 5720 by checking the profitability information, and having a general knowledge in the field to which the present invention belongs, with reference to this figure 65 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 65. It includes.

Hereinafter, in Figure 65, the corporate customer group profitability calculation server 5720 shown in Figure 64 will be referred to as "server" for convenience.

Referring to FIG. 65A, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6750 to the server for calculating profitability. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6650 to the server (6500a).

Here, the ledger information means customer information stored and registered in the ledger D / B 6650 of the financial system 5750, subscription account information associated with the customer information, and employee information in charge of the subscription account. desirable.

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the subscription account information from the ledger information and extracts the information on the corporate customer group from the subscription account information (6505a).

If information about groups other than the corporate customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. 65a, only the portion of the corporate customer group is processed (6510a). ).

Thereafter, the server checks the profitability information of the subscription account corresponding to the corporate customer group (6515a), and stores and registers the checked profitability information on the server storage medium 6630 (6520a).

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

Referring to FIG. 65B, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6450 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6650 to the server (6500b).

* Here, the ledger information means the customer information stored and registered in the ledger D / B (6450) of the financial system (5750), subscription fee account information associated with the customer information, employee information in charge of the subscription fee account It is preferable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the subscription ratio account information from the ledger information and extracts the information about the corporate customer group from the subscription ratio account information (6505b).

If information on groups other than the corporate customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. ).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the corporate customer group (6515b), and stores and registers the checked profitability information on the server storage medium 6630 (6520b).

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

Referring to Fig. 65c, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6450 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6650 to the server (6500c).

Here, the ledger information means customer information stored and registered in the ledger D / B 6450 of the financial system 5750, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. It is desirable to.

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the new subscription account information from the ledger information and extracts the information about the corporate customer group from the new subscription account information (6505c).

If information about groups other than the corporate customer group is extracted from the subscription account information, the processing is performed by referring to the drawings shown below according to each group, and in FIG. ).

Thereafter, the server checks the new subscription account profitability information corresponding to the corporate customer group (6515c), and stores and registers the checked profitability information on the server storage medium 6630 (6520c).

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

Referring to FIG. 65D, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6450 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6650 to the server (6500d).

Here, the ledger information means customer information stored and registered in the ledger D / B 6450 of the financial system 5750, new subscription fee information associated with customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

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

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

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

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the new subscription fee account information from the ledger information and extracts the information on the corporate customer group from the new subscription fee account information (6505d).

If information on groups other than the corporate customer group is extracted from the subscription account information, the processing is performed with reference to the drawings shown below according to each group, and in FIG. 65d, only the portion of the corporate customer group is processed (6510d). ).

Thereafter, the server checks profitability information of the new subscription fee account corresponding to the corporate customer group (6520d), and stores and registers the confirmed profitability information on the server storage medium 6630 (6525d).

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

66 shows a system configuration for calculating the profitability of the counter staff according to age according to the embodiment of the present invention.

More specifically, Figure 66 shows customer information (e.g. social security number, etc.), one or more subscription account information (e.g., savings account, savings account, etc.) or subscription fee account information (e.g. Trading products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), ancillary services (exchanges, etc.), employee information in charge of subscription accounts or subscription accounts, new subscription account information Alternatively, the internal configuration of the system for extracting the new subscription cost account information, the new subscription account information or the employee information processing the new subscription cost account information, the age information is extracted from the extracted information to calculate the profitability for each employee by the window staff. As shown in the drawings, those of ordinary skill in the art to which the present invention pertains, various embodiments of the system for calculating profitability by age with reference to this figure 66 Would have to be inferred, the present invention is not limited to the figure 66, 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

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

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

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

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

According to the implementation method of the present invention, the age-based window staff profit calculation system for calculating the profitability according to age-based account products or non-account products, or calculate the profitability by joining a new account product or new non-account products by age group (5725) provide at least one financial transaction (eg, credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) services through at least one face-to-face or non-face-to-face financial transaction channel provided at a branch (or branch) of a financial institution. It comprises a financial system 5750 for providing.

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

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

The age-specific profitability calculation server 5725 includes customer information, one or more subscription account information or one or more subscription cost account information associated with the customer information, employee information in charge of the subscription account or subscription fee account, new subscription account information or new subscription fee. A method of extracting account information from the financial system 5750 and confirming profitability according to age for each employee according to the employee information is preferable, and a person having ordinary knowledge in the field to which the present invention belongs may refer to FIG. In order to check the profitability according to age, various information for calculating profitability according to age, such as the cost (for example, employee wage), etc. for an employee in charge of a specific age may be added. The cost factor is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

The age-based profitability calculation server 5725 has a D / B for storing the profitability calculation results for each age, or is interworked with a separate D / B server having a D / B for storing the profitability calculation results for each age.

Referring to FIG. 66, the age-specific profitability calculation server 5725 may be an information receiver 6600 (or an information receiver) for receiving information from the ledger D / B 6650 in association with the external system of the financial system 5750. ), An information extracting unit 6605 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 6650 and checking profitability information among the information extracted from the ledger D / B 6650. Information confirmation unit 6610 (or information confirmation means), profitability calculation unit 6615 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, information storage for storing the profitability calculation information in the D / B And a part 6620 (or information storage means).

Here, the ledger D / B 6650 is a D / B provided in the financial system 5750, and the ledger D / B 6650 includes customer information, account information, non-account information, It is preferable to include the employee information in charge.

According to an embodiment of the present invention, the information receiving unit 6600 may include the customer information, the account information and account employee information subscribed to the customer, or the non-account information and non-account employee information registered by the customer or the customer is new. The financial system 5750 may include information on at least one of new subscription account information and new subscription account employee information about a registered account or information including new subscription account information and new subscription account employee information newly registered by the customer. The ledger information is received from the ledger D / B 6650 in association with the alien and provided to the information extraction unit 6605.

Here, the ledger information preferably includes customer information, account information, non-account information, and employee information requested by the financial system 5750 from the age-specific profitability calculation server 5725 for age-based profitability calculation.

According to the exemplary embodiment of the present invention, the information extracting unit 6605 may include the customer information received from the information receiving unit 6600, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extract the information on a specific age from the employee information in charge of the information provided to the information verification unit 6610, or the new subscription account information associated with the customer information received from the information receiving unit 6600, the customer information Alternatively, age-specific information is extracted from the new subscription ratio account information, the new subscription account, or the employee information managing the new subscription ratio account and provided to the information verification unit 6610.

According to the exemplary embodiment of the present invention, the information confirming unit 6610 may include the customer information extracted by the information extracting unit 6605, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Among the employee information in charge of the subscription account profitability information or non-account profitability information from the age-specific information, or the customer information extracted from the information extraction unit 6605, new subscription account information or new subscription account information associated with the customer information, Checking the new subscription account profitability information or the new subscription cost account profitability information from the age-specific information among the employee information managing the new subscription account or the new subscription ratio account and providing them to the information storage unit 6620 and the profitability calculation unit 6615. do.

The profitability calculator 6615 may include at least one of age-based subscription account profitability information, age-based subscription cost account profitability information, age-based subscription account profitability information, or age-specific subscription account profitability information provided by the information verification unit 6610. Profitability is calculated in connection with age-related profitability information, and the calculated age-related profitability information is provided to the information storage unit 6620.

According to the exemplary embodiment of the present invention, the profitability calculator 6615 calculates profitability information such as interest income or loan interest income for loan accounts for borrowing deposits for savings accounts or savings accounts from age-based subscription account information. It is desirable to.

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

In addition, the profitability calculation unit 6615 handles handling fees for foreign exchange commodity transactions, handling fees for derivatives, handling fees for derivatives, handling fees for securities, or ancillary services in age-based subscription fee account information. It is desirable to calculate profitability information such as a fee.

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

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

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

In addition, the profitability information of the new subscription fee for each age group includes profitability such as a handling fee for a new foreign exchange transaction, a handling fee for a new derivatives subscription, a potential operating fee for a new derivatives subscription, or a handling fee for a new securities transaction. It is desirable to calculate the information.

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

According to the exemplary embodiment of the present invention, the information storage unit 6620 stores the profitability information provided by the profitability calculation unit 6615 in the D / B provided in the age-specific profitability calculation server 5725 or the profitability calculation unit ( 6615) through the communication network and a separate D / B server having a D / B for storing the profitability information provided in.

According to an embodiment of the present invention, the financial system 5750 is linked to the age-specific profitability calculation server 5725 and the ledger information in connection with the ledger D / B 6650 inside the financial system 5750 age-specific profitability calculation server Functions to provide to (5725), and since the detailed description of the internal configuration has been described with reference to Figure 57, it is omitted.

Further, the ledger information for the ledger D / B 6650 of the financial system 5750 has more information than the information shown in the ledger D / B 6650 of the financial system 5750 shown in FIG. Only information for profitability calculation is shown.

Figure 67 is made by including at least one age-based subscription account profitability information, age-specific subscription account profitability information, age-specific subscription account profitability information, age-specific subscription account profitability information for calculating the profitability of the age teller according to the embodiment of the present invention It shows the operation flow of the system for calculating profitability by age.

In more detail, Figure 67 takes the ledger information from the ledger D / B (6650) of the financial system (5750) shown in Figure 57 and the five kinds of age by age through the age-based profitability calculation server (5725) shown in Figure 66 Check the profitability information on the conditions (age account profitability information by age, profit ratio information by age subscription fee, profitability information by new subscription account by age, profitability information by new subscription fee by age), and save and register to D / B of the profit calculation server 5725 by age. Regarding the process 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 profitability by age with reference to this drawing 67. It includes, but is not limited to, all the methods of inferred above.

Hereinafter, in FIG. 67, the age-specific profitability calculation server 5725 shown in FIG. 66 is referred to as a "server" for convenience.

Referring to FIG. 67A, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6650 for the profitability calculation to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6650 to the server (6700a).

Here, the ledger information means customer information stored and registered in the ledger D / B 6650 of the financial system 5750, subscription account information associated with the customer information, and employee information in charge of the subscription account. desirable.

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts subscription account information from the ledger information and extracts age-specific information from the subscription account information (6705a).

If information other than the age-specific information is extracted from the subscription account information, processing is performed with reference to the drawings shown below according to each customer (group) analysis unit, and in FIG. 67a, only the age-specific information portion is processed (6710a).

Thereafter, the server checks profitability information of the age-specific subscription account (6715a), and stores and registers the confirmed profitability information in the server storage medium 6630 (6720a).

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

Referring to FIG. 67B, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6650 for the profitability calculation to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6650 to the server (6700b).

Here, the ledger information means customer information stored and registered in the ledger D / B 6650 of the financial system 5750, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account. desirable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the subscription ratio account information from the ledger information and extracts age-specific information from the subscription ratio account information (6705b).

If information other than the age-specific information is extracted from the subscription account information, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in FIG.

Thereafter, the server checks profitability information of the age-based subscription fee account (6715b), and stores and registers the confirmed profitability information in the server storage medium 6630 (6720b).

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

Referring to FIG. 67C, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6650 for the profitability calculation to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6650 to the server (6700c).

Here, the ledger information means customer information stored and registered in the ledger D / B 6650 of the financial system 5750, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. It is desirable to.

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts new subscription account information from the ledger information and extracts age-specific information from the new subscription account information (6705c).

If information other than the age-specific information is extracted from the subscription account information, processing is performed with reference to the drawings shown below according to each customer (group) analysis unit, and in FIG. 67a, only the age-specific information part is processed (6710c).

Thereafter, the server checks the new subscription account profitability information for each age (6715c), and stores and registers the confirmed profitability information in the server storage medium 6630 (6720c).

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

Referring to FIG. 67D, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6650 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6650 to the server (6700d).

Here, the ledger information means customer information stored and registered in the ledger D / B 6650 of the financial system 5750, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

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

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

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

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

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

Upon receiving the ledger information from the financial system 5750 as described above, the server extracts the new subscription fee account information from the ledger information and extracts age-specific information from the new subscription fee account information (6705d).

If information other than the age-specific information is extracted from the subscription account information, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in FIG. 67a, only the age-specific information part is processed (6710d).

Thereafter, the server checks profitability information of the new subscription fee account for each age (6720d), and stores and registers the confirmed profitability information in the server storage medium 6630 (6725d).

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

Figure 68 shows a system configuration for calculating the profitability of the local staff according to the embodiment of the present invention.

In more detail, Figure 68 shows customer information (e.g. social security number), one or more subscription account information (e.g., savings account, savings account, etc.) or subscription cost account information (e.g. Trading products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), ancillary services (exchanges, etc.), employee information in charge of subscription accounts or subscription accounts, new subscription account information Alternatively, the internal configuration of the system for extracting the new member's account information, the new member's account information or the employee's information on the new member's account information, and extracting the information on the region from the extracted information to calculate profitability for each employee in the region. As shown in the drawings, those of ordinary skill in the art to which the present invention pertains, various embodiments of the system for calculating profitability by region with reference to this figure 68 Would have to be inferred, the present invention is not limited to the figure 68, comprises all of the embodiments how the inference.

The customer information may include at least one of information such as a social security number, a customer information file (CIF), a customer name, a landline phone number, and a wireless phone number.

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

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

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

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

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

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

In addition, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

According to the implementation method of the present invention, the profitability calculation system of the local rice teller calculates profitability by region for calculating profitability by regional account products or non-account products or by registering new account products or new non-account products by region. Services of at least one financial transaction (e.g., credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) through at least one face-to-face or non-face-to-face financial transaction channel provided at the server (5730), branch (or branch) of the financial institution It is characterized by comprising a financial system 5750 for providing.

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

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

The regional profitability calculation server 5730 may include customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, employee information in charge of the subscription account or subscription fee account, new subscription account information, or new subscription fee. A method of extracting account information from the financial system 5750 and confirming the profitability according to the region of each employee according to the employee information is preferable, and a person having ordinary knowledge in the field to which the present invention pertains, FIG. With reference to the method of confirming profitability by region, various information for calculating profitability by region, such as the cost (for example, employee wages) for an employee in a specific region, may be added. The factor of cost of the product is omitted because it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

The regional profitability calculation server 5730 has a D / B for storing the profitability calculation results for each region, or is linked through a communication network with a separate D / B server having a D / B for storing the profitability calculation results for each region.

Referring to FIG. 68, the regional profitability calculation server 5730 may receive an information receiver 6800 (or an information receiving means) for receiving information from the ledger D / B 6850 in association with the external system of the financial system 5750. ), An information extracting unit 6805 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 6850, and checking profitability information among the information extracted from the ledger D / B 6850 Information confirmation unit 6810 (or information confirmation means), profitability calculation unit 6815 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, information storage for storing the profitability calculation information in the D / B It is characterized by comprising a part (6820) (or information storage means).

Here, the ledger D / B 6850 is a D / B provided in the financial system 5750, and the ledger D / B 6850 includes customer information, account information, non-account information, necessary for calculating profitability for a region. It is preferable to include the employee information in charge.

According to the exemplary embodiment of the present invention, the information receiving unit 6800 may include the customer information, the account information and account employee information subscribed to the customer, or the non-account information and non-account employee information registered by the customer or the customer is new. The financial system 5750 may include information on at least one of new subscription account information and new subscription account employee information about a registered account or information including new subscription account information and new subscription account employee information newly registered by the customer. The ledger information is received from the ledger D / B 6850 in association with the alien and provided to the information extraction unit 6805.

Here, the ledger information preferably includes customer information, account information, non-account information, and employee information requested by the financial system 5750 from the regional profitability calculation server 5730 for regional profitability calculation.

According to the exemplary embodiment of the present invention, the information extraction unit 6805 may include the customer information received from the information receiving unit 6800, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extract the information on a specific region from the employee information in charge of providing the information to the information verification unit 6810, or the customer information received from the information receiving unit 6800, new subscription account information associated with the customer information Alternatively, region-specific information is extracted from the new subscription fee account information, the new subscription account or the employee information managing the new subscription account, and provided to the information verification unit 6810.

According to the exemplary embodiment of the present invention, the information checking unit 6810 may include the customer information extracted from the information extracting unit 6805, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Among the employee information in charge of the subscription account profitability information or non-account profitability information from the regional information, or the customer information extracted from the information extraction unit 6805, the new subscription account information or new subscription account information associated with the customer information, Checking the new subscription account profitability information or the new subscription cost account profitability information from the regional information among the employee information managing the new subscription account or the new subscription ratio account and providing the information to the information storage unit 6820 and the profitability calculation unit 6815. do.

The profitability calculation unit 6815 may include a plurality of regional subscription account profitability information or region subscription fee profitability information or region new subscription account profitability information or region new subscription cost account profitability information provided by the information verification unit 6810. Profitability is calculated in connection with regional profitability information, and the calculated regional profitability information is provided to the information storage unit 6820.

According to the implementation method of the present invention, the profitability calculation unit 6815 calculates profitability information such as interest income or loan interest income for loan accounts for borrowing deposits for savings accounts or savings accounts from subscription account information for each region. It is desirable to.

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

In addition, the profitability calculation unit 6815 may handle handling fees for foreign exchange commodity transactions, handling fees for derivatives, handling fees for derivatives, handling fees for securities, or handling fees for additional services. It is desirable to calculate profitability information such as the above.

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

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

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

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

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

According to an embodiment of the present invention, the information storage unit 6820 may store the profitability information provided by the profitability calculation unit 6815 in a D / B provided in the regional profitability calculation server 5730 or the profitability calculation unit ( 6815) through the communication network and a separate D / B server having a D / B for storing the profitability information provided in.

According to the implementation method of the present invention, the financial system 5750 is linked to the regional profitability calculation server 5730, the profitability calculation server for each region in the ledger information in connection with the ledger D / B (6850) in the financial system (5750) Functions to provide to the (5730), and detailed description of the internal configuration has been described with reference to Figure 5, it will be omitted.

Further, the ledger information for the ledger D / B 6850 of the financial system 5750 includes more information than the information shown in the ledger D / B 6850 of the financial system 5750 shown in FIG. Only information for profitability calculation is shown.

Figure 69 is made by including at least one regional subscription account profitability information, regional subscription fee account profitability information, regional subscription account profitability information, regional new subscription account profitability information according to the embodiment of the present invention to calculate the profitability of the regional teller It shows the operation flow of the system for calculating profitability by region.

In more detail, the drawing 69 obtains the ledger information from the ledger D / B 6850 of the financial system 5750 shown in FIG. 57 and the five kinds of regions by region through the regional profitability calculation server 5730 shown in the drawing 68. Check the profitability information on the conditions (Regional Account Profitability Information, Regional Subscription Cost Account Profitability Information, Regional New Subscription Account Profitability Information, Regional New Subscription Cost Account Profitability Information), and save and register to D / B of Regional Profitability Calculation Server 5730 Regarding the process of the present invention, those skilled in the art to which the present invention pertains may refer to various embodiments of the system for calculating profitability by region with reference to this drawing 69. It includes, but is not limited to, all the methods of inferred above.

Hereinafter, in FIG. 69, the region-specific profitability calculation server 5730 shown in FIG. 68 is referred to as a uniform “server”.

Referring to FIG. 69A, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6850 to calculate the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6850 to the server (6900a).

Here, the ledger information means customer information stored and registered in the ledger D / B 6850 of the financial system 5750, subscription account information associated with the customer information, and employee information in charge of the subscription account. desirable.

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts subscription account information from the ledger information and extracts regional information from the subscription account information (6905a).

If information other than region-specific information is extracted from the subscription account information, processing is performed with reference to the drawings shown below according to each customer (group) analysis unit, and in FIG. 69a, only the region-specific information portion is processed (6910a).

Thereafter, the server checks profitability information of the regional subscription account (6915a), and stores and registers the confirmed profitability information in the server storage medium 6830 (6920a).

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

Referring to FIG. 69b, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6850 to calculate the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6850 to the server (6900b).

Here, the ledger information means customer information stored and registered in the ledger D / B 6850 of the financial system 5750, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account. desirable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the subscription ratio account information from the ledger information and extracts regional information from the subscription ratio account information (6905b).

If information other than region-specific information is extracted from the subscription account information, processing is performed with reference to the drawings shown below according to each customer (group) analysis unit, and in FIG. 69a, only the region-specific information portion is processed (6910b).

Thereafter, the server checks the profitability information of the regional subscription fee account (6915b), and stores and registers the confirmed profitability information in the server storage medium 6830 (6920b).

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

Referring to FIG. 69c, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6850 to calculate the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 6850 to the server (6900c).

Here, the ledger information refers to customer information stored and registered in the ledger D / B 6850 of the financial system 5750, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. It is desirable to.

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the new subscription account information from the ledger information and extracts regional information from the new subscription account information (6905c).

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

Thereafter, the server checks the new subscription account profitability information for each region (6915c), and stores and registers the confirmed profitability information in the server storage medium 6830 (6920c).

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

Referring to FIG. 69D, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 6850 to calculate the profitability to the server. In response, the financial system 5750 provides the ledger information of the ledger D / B (6850) to the server (6900d).

Here, the ledger information means customer information stored and registered in the ledger D / B 6850 of the financial system 5750, new subscription fee account information associated with customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

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

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

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

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the new subscription fee account information from the ledger information and extracts regional information from the new subscription fee account information (6905d).

If information other than region-specific information is extracted from the subscription account information, processing is performed with reference to the drawings shown below according to each customer (group) analysis unit, and in FIG. 69a, only the region-specific information portion is processed (6910d).

Thereafter, the server checks the profitability information of the regional new subscription fee account (6920d), and stores and registers the confirmed profitability information in the server storage medium 6830 (6925d).

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

70 is a diagram showing the system configuration for calculating the profitability of the staff of the sex window according to the embodiment of the present invention.

More specifically, Figure 70 shows customer information (e.g., social security number, etc.), one or more subscription account information (e.g., savings account, savings account, etc.) or subscription cost account information (e.g. Trading products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), incidental services (exchanges, etc.) Alternatively, the internal configuration of the system for extracting the new member's ratio account information, the new member's account information or the employee's information on the new member's account information, and extracting the gender information from the extracted information to calculate profitability for each employee at the counter. As shown in the drawings, those of ordinary skill in the art to which the present invention pertains, various implementation methods of the system for calculating sex profitability with reference to this figure 70 Would be chuhal, the invention is not limited to the figure 70, 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

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

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

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

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

According to the implementation method of the present invention, the gender profit calculation system of the employee of the sex window server for calculating the profitability by the sex account product or non-account product or the profitability of joining a new account product or a new non-account product sex gender calculation server (5735) provide at least one financial transaction (eg, credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) services through at least one face-to-face or non-face-to-face financial transaction channel provided at a branch (or branch) of a financial institution. It comprises a financial system 5750 for providing.

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

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

The gender profitability calculation server 5735 may include customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, employee information in charge of the subscription account or subscription fee account, new subscription account information, or new subscription fee. A method of extracting account information from the financial system 5750 and confirming profitability according to gender for each employee according to the employee information is preferable, and a person having ordinary knowledge in the field to which the present invention belongs may refer to FIG. For example, various information for calculating profitability by gender, such as the cost (eg, employee wages), etc. for an employee in charge of a specific gender may be added to the method of checking profitability according to gender. The cost factor is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

The gender profitability calculation server 5735 has a D / B for storing the result of gender profitability calculation or is linked with a separate D / B server having a D / B for storing the gender profitability calculation result.

Referring to FIG. 70, the gender profitability calculation server 5735 receives an information receiver 7000 (or information receiving means) for receiving information from the ledger D / B 7050 in association with the external system of the financial system 5750. ), An information extracting unit 7005 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 7050, and checking profitability information among the information extracted from the ledger D / B 7050. Information confirmation unit 7010 (or information confirmation means), profitability calculation unit 7015 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, information storage for storing the profitability calculation information in the D / B The unit 7020 (or information storage means) is provided.

Here, the ledger D / B 7050 is a D / B provided in the financial system 5750, and the ledger D / B 7050 includes customer information, account information, non-account information, It is preferable to include the employee information in charge.

According to the embodiment of the present invention, the information receiving unit 7000 is the customer information, the account information and the account staff information subscribed to the customer or the non-account information and non-account staff information or the customer account subscribed to the customer or the customer is new In the financial system 5750, information including at least one of new subscription account information and new subscription account employee information for a registered account, or information including new subscription account information and new subscription account employee information newly registered by the customer. The ledger information is received from the ledger D / B 7050 in association with the external system and provided to the information extraction unit 7005.

Here, the ledger information preferably includes customer information, account information, non-account information, and employee information requested by the gender profit calculation server 5735 to the financial system 5750 for calculating gender profitability.

According to the exemplary embodiment of the present invention, the information extracting unit 7005 may include the customer information received from the information receiving unit 7000, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Extract the information on a specific gender from the employee information in charge of the information provided to the information verification unit 7010, or the customer information received from the information receiving unit 7000, new subscription account information associated with the customer information or Gender information is extracted from the new subscription ratio account information, the employee information managing the new subscription account or the new subscription ratio account, and provided to the information verification unit 7010.

According to the exemplary embodiment of the present invention, the information checking unit 7010 may include the customer information extracted from the information extracting unit 7005, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Among the employee information that is in charge of the account account profitability information or non-account profitability information from the gender information, or the customer information extracted from the information extraction unit 7005, new subscription account information or new subscription account information associated with the customer information, Checking the new subscription account profitability information or the new subscription ratio account profitability information from the gender information among the employee information managing the new subscription account or the new subscription ratio account and providing them to the information storage unit 7020 and the profitability calculation unit 7015. do.

The profitability calculation unit 7015 provides profitability information of a subscription account according to gender or a subscription fee account profitability information according to gender or a new subscription account profitability information according to gender provided by the information checker 7010. Profitability is calculated by linking profitability information according to various genders including at least one information. The calculated gender profitability information is provided to the information storage unit 7020.

According to an embodiment of the present invention, the profitability calculation unit 7015 calculates profitability information such as interest income or loan interest income for loan accounts that borrow interest from a savings account or savings account from the gender subscription account information. It is desirable to.

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

In addition, the profitability calculation unit 7015 may handle a handling fee for a foreign exchange product transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or a handling fee for ancillary services in the gender subscription fee account information. It is desirable to calculate profitability information such as the above.

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

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

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

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

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

According to the method of the present invention, the information storage unit 7020 stores the profitability information provided by the profitability calculation unit 7015 in the D / B provided in the gender profit calculation server 5735 or the profitability calculation unit ( It is linked through a communication network with a separate D / B server having a D / B storing profitability information provided in 7015).

According to the implementation method of the present invention, the financial system 5750 is linked to the gender profit calculation server 5735 gender profit calculation server in connection with the ledger D / B 7050 in the financial system (5750) A function for providing the device 5357 is provided, and a detailed description of the internal configuration has been described with reference to FIG.

Further, the ledger information for the ledger D / B 7050 of the financial system 5750 has more information than the information shown in the ledger D / B 7050 of the financial system 5750 shown in FIG. Only information for profitability calculation is shown.

Figure 71 is formed by including at least one gender subscription account profitability information, gender subscription non-account profitability information, gender new subscription account profitability information, gender new subscription non-account profitability information for calculating the profitability of gender counter staff according to an embodiment of the present invention It shows the operation flow of the system for calculating gender profitability.

In more detail, FIG. 71 shows the ledger information from the ledger D / B 7050 of the financial system 5750 shown in FIG. 57, and shows the sexes through the gender profit calculation server 5735 shown in FIG. Check profitability information on the conditions (gender account account profitability information, gender subscription cost account profitability information, gender new subscription account profitability information, gender new subscription cost account profitability information), and store and register them in the D / B of the gender profitability calculation server 5735 Regarding the process 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 sex profitability with reference to this drawing 71. It includes, but is not limited to, all the methods of inferred above.

Hereinafter, in FIG. 71, the gender profitability calculation server 5735 shown in FIG. 70 is referred to as "server" for convenience.

Referring to FIG. 71A, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 7050 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 7050 to the server (7100a).

Here, the ledger information means customer information stored and registered in the ledger D / B 7050 of the financial system 5750, subscription account information associated with the customer information, and employee information in charge of the subscription account. desirable.

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

In addition, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 5750 as described above, the server extracts subscription account information from the ledger information and extracts gender information from the subscription account information (7105a).

If information other than gender information is extracted from the subscription account information, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in this figure 71a, only the gender information portion is processed (7110a).

Thereafter, the server checks profitability information of the gender subscription account (7115a), and stores and registers the confirmed profitability information in the server storage medium 7030 (7120a).

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

Referring to FIG. 71B, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 7050 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 7050 to the server (7100b).

Here, the ledger information means customer information stored and registered in the ledger D / B 7050 of the financial system 5750, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account. desirable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the subscription ratio account information from the ledger information and extracts the gender information from the subscription ratio account information (7105b).

If information other than gender information is extracted from the subscription account information, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in this figure 71a, only the gender information portion is processed (7110b).

Thereafter, the server checks profitability information of the gender subscription ratio account (7115b), and stores and registers the confirmed profitability information in the server storage medium 7030 (7120b).

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

Referring to FIG. 71c, the server connects to the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 7050 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 7050 to the server (7100c).

Here, the ledger information means customer information stored and registered in the ledger D / B 7050 of the financial system 5750, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. It is desirable to.

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

In addition, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 5750 as described above, the server extracts new subscription account information from the ledger information and extracts gender information from the new subscription account information (7105c).

If information other than gender information is extracted from the subscription account information, processing is performed with reference to the drawings shown below according to each customer (group) analysis unit, and in this figure 71a, only the gender information portion is processed (7110c).

Thereafter, the server checks the gender new subscription account profitability information (7115c), and stores and registers the checked profitability information in the server storage medium 7030 (7120c).

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

Referring to FIG. 71D, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 7050 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 7050 to the server (7100d).

Here, the ledger information means customer information stored and registered in the ledger D / B 7050 of the financial system 5750, new subscription fee information associated with customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

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

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

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

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the new subscription ratio account information from the ledger information and extracts gender information from the new subscription ratio account information (7105d).

If information other than gender information is extracted from the subscription account information, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in this figure 71a, only the gender information portion is processed (7110d).

Thereafter, the server checks profitability information of the gender new subscription fee account (7120d), and stores and registers the confirmed profitability information in the server storage medium (7030) (7125d).

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

72 shows a system configuration for calculating the profitability of the window staff by occupation according to the method of the present invention.

In more detail, Figure 72 shows customer information (e.g., social security number, etc.), one or more subscription account information (e.g., savings account, savings account, etc.) or subscription fee account information (e.g. Import / export transaction products), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), collateral services (exchanges, etc.), employee information in charge of subscription accounts or subscription accounts, new subscription accounts Extracting employee information processing information or new subscription account information, new subscription account information, or new subscription account information, and extracting job information from the extracted information to calculate profitability for each employee of the window. As shown in the configuration, those skilled in the art to which the present invention pertains, various embodiments of the system for calculating profitability by occupation with reference to this drawing 72 Would have to be inferred, the present invention is not limited to the figure 72, 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 subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

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

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

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

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

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

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

According to the implementation method of the present invention, the profitability calculation system of the window staff for each job is a job for calculating the profitability based on the profitability calculation by occupational accounting products or non-accounting products or the subscription of new accounting products or new non-accounting products by occupation. At least one financial transaction (e.g., credit, receiving, currency exchange, foreign currency remittance, financial investment) through at least one face-to-face or non-face-to-face financial transaction channel provided at each profit calculation server 5740 and a branch (or branch) of a financial institution Etc.) is provided with a financial system 5750 for providing a service.

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

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

The job-specific profitability calculation server 5740 may include customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, employee information in charge of the subscription account or subscription fee account, new subscription account information, or new account. Extracting the subscription account information from the financial system (5750), it is preferable to check the profitability according to the job for each employee according to the employee information, if the person having ordinary knowledge in the field of the present invention, this figure 72 By referring to the method of determining profitability according to a job, various information for calculating profitability according to a job such as a cost (for example, employee wage, etc.) for an employee in a specific job may be added. The factor of cost of the product is omitted because it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

The profitability calculation server 5740 for each job includes a D / B for storing the profitability calculation result for each job or a separate D / B server having a D / B for storing the profitability calculation result for each job. Interlocked.

Referring to FIG. 72, the job profitability calculation server 5740 may receive an information receiver 7200 (or an information receiver) that receives information from the ledger D / B 7250 in association with the external system of the financial system 5750. Means), an information extracting unit 7205 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 7250, and confirming the profitability information among the information extracted from the ledger D / B 7250 Information confirmation unit 7210 (or information confirmation means), profitability calculation unit 7215 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and information storing the profitability calculation information in D / B. And a storage unit 7220 (or information storage means).

Here, the ledger D / B 7250 is a D / B provided in the financial system 5750, and the ledger D / B 7250 includes customer information, account information, non-account information, It is preferable to include the employee information in charge.

According to the exemplary embodiment of the present invention, the information receiving unit 7200 may include the customer information, the account information and account employee information subscribed to the customer, or the non-account information and non-account employee information registered by the customer or the customer is new. In the financial system 5750, information including at least one of new subscription account information and new subscription account employee information for a registered account, or information including new subscription account information and new subscription account employee information newly registered by the customer. The ledger information is received from the ledger D / B 7250 in association with an external system and provided to the information extraction unit 7205.

Here, the ledger information may include customer information, account information, non-account information, and employee information requested by the financial system 5750 from the job profitability calculation server 5740 for the job profitability calculation.

According to the exemplary embodiment of the present invention, the information extracting unit 7205 may receive the customer information received from the information receiving unit 7200, one or more subscription account information or subscription non-account information associated with the customer information, the subscription account or subscription account. Extract the information on a specific job from the employee information in charge of the information provided to the information verification unit 7210, or the new subscription account information associated with the customer information, the customer information received by the information receiving unit 7200 Alternatively, the job-specific information is extracted from the new subscription fee account information, the new subscription account or the employee information managing the new subscription account, and provided to the information verification unit 7210.

According to the exemplary embodiment of the present invention, the information checking unit 7210 may include the customer information extracted from the information extracting unit 7205, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription ratio account. Profitability information or non-account profitability information of the subscription account from the job information of the employee information, or the customer information extracted from the information extraction unit 7205, new subscription account information or new subscription account information associated with the customer information In addition, the information storage unit 7220 and the profitability calculation unit 7215 may check the new subscription account profitability information or the new subscription ratio account profitability information in the job information among the employee information managing the new subscription account or the new subscription ratio account. To provide.

The profitability calculation unit 7215 may include at least one profitability information for each job, profitability information for each job, or profitability information for each job, or profitability information for each new job, or profitability information for each job provided by the information checking unit 7210. Profitability is calculated in connection with various occupational profitability information included above, and provides the calculated occupational profitability information to the information storage unit 7220.

According to the implementation method of the present invention, the profitability calculation unit 7215 borrows a deposit on a savings account or savings account from occupational subscription account information and receives profitable information such as interest income or loan interest income for a loan account. It is preferable to calculate.

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

In addition, the profitability calculation unit 7215 may handle handling fees for foreign exchange commodity transactions, handling fees for derivatives, handling fees for derivatives, handling fees for securities, or handling services for securities. It is desirable to calculate profitability information such as a fee.

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

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

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

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

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

According to an embodiment of the present invention, the information storage unit 7220 may store the profitability information provided by the profitability calculation unit 7215 in a D / B provided in the job-specific profitability calculation server 5740 or the profitability calculation unit. It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in (7215).

According to the implementation method of the present invention, the financial system 5750 is linked to the ledger D / B 7250 inside the financial system 5750 in conjunction with the job-specific profitability calculation server 5740 profitability by job A function for providing to the calculation server 5740 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 7250 of the financial system 5750 has more information than the information shown in the ledger D / B 7250 of the financial system 5750 shown in FIG. Only the information for calculating profitability is shown.

Figure 73 is at least a job registration account profitability information, job registration fee account profitability information, job registration fee account profitability information, job registration fee profitability information, job registration fee account profitability information for calculating the profitability of the window teller according to the embodiment of the present invention at least It shows the operation flow of the system for calculating profitability by occupation including one or more.

In more detail, the drawing 73 obtains the ledger information from the ledger D / B 7250 of the financial system 5750 shown in FIG. 57 and the occupation-specific profitability calculation server 5740 shown in the drawing 72. Profitability calculation server 557 checks profitability information on five conditions (job account profitability information by job, job subscription fee profitability information, job registration new account profitability information and job registration fee account profitability information). Regarding the process of storing and registering in D / B, a person having ordinary knowledge in the field to which the present invention belongs can infer various implementation methods of the system for calculating profitability by occupation with reference to this drawing 73. The present invention is not limited to this drawing 73, but includes all the inferred implementation methods.

Hereinafter, in FIG. 73, the occupational profitability calculation server 5740 shown in FIG. 72 is referred to as a “server” for convenience.

Referring to FIG. 73A, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 7250 to calculate the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 7250 to the server (7300a).

Here, the ledger information means customer information stored and registered in the ledger D / B 7250 of the financial system 5750, subscription account information associated with the customer information, and employee information in charge of the subscription account. desirable.

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

In addition, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 5750 as described above, the server extracts subscription account information from the ledger information and extracts job-specific information from the subscription account information (7305a).

If information other than the job information is extracted from the subscription account information, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in this drawing 73a, only the job information part is processed (7310a). ).

Thereafter, the server checks profitability information of the subscription account for each job (7315a), and stores and registers the confirmed profitability information in the server storage medium 7230 (7320a).

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

Referring to FIG. 73B, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 7250 for calculating the profitability to the server. In response, the financial system 5750 provides the ledger information of the ledger D / B 7250 to the server (7300b).

Here, the ledger information means customer information stored and registered in the ledger D / B 7250 of the financial system 5750, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account. desirable.

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

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

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

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

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

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

When the ledger information is provided from the financial system 5750 as described above, the server extracts the subscription ratio account information from the ledger information and extracts job-specific information from the subscription ratio account information (7305b).

If information other than the job information is extracted from the subscription account information, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in the drawing 73a, only the job information part is processed (7310b). ).

Thereafter, the server checks the profitability information of the occupational subscription fee account (7315b), and stores and registers the confirmed profitability information in the server storage medium 7230 (7320b).

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

Referring to FIG. 73c, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 7250 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 7250 to the server (7300c).

Here, the ledger information means customer information stored and registered in the ledger D / B 7250 of the financial system 5750, new subscription account information associated with customer information, and employee information in charge of the new subscription account. It is desirable to.

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

In addition, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

When the ledger information is provided from the financial system 5750 as described above, the server extracts new subscription account information from the ledger information and extracts job-specific information from the new subscription account information (7305c).

If information other than the job information is extracted from the subscription account information, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in the drawing 73a, only the job information part is processed (7310c). ).

Thereafter, the server checks the new subscription account profitability information for each job (7315c), and stores and registers the checked profitability information in the server storage medium 7230 (7320c).

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

Referring to FIG. 73D, the server accesses the financial system 5750 through a predetermined communication network, and provides the ledger information of the financial system 5750 ledger D / B 7250 for calculating the profitability to the server. In response to the request, the financial system 5750 provides the ledger information of the ledger D / B 7250 to the server (7300d).

Here, the ledger information means customer information stored and registered in the ledger D / B 7250 of the financial system 5750, new subscription fee information associated with customer information, and employee information in charge of the new subscription fee account. It is desirable to.

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

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

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

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

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

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

Upon receiving the ledger information from the financial system 5750 as described above, the server extracts the new subscription fee account information from the ledger information and extracts job-specific information from the new subscription fee account information (7305d).

If information other than the job information is extracted from the subscription account information, processing is performed by referring to the drawings shown below according to each customer (group) analysis unit, and in the drawing 73a, only the job information part is processed (7310d). ).

Thereafter, the server checks profitability information of the new subscription fee account for each job (7320d), and stores and registers the checked profitability information in the server storage medium 7230 (7325d).

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

74 is a diagram showing the configuration of an integrated profitability result calculation system incorporating profitability information calculated by each server according to an embodiment of the present invention.

In more detail, Figure 74 shows employee information, employee's affiliation branch information, employee's affiliation organization information, the individual customer group profitability calculation server 5705, or the PB customer group profitability calculation server 5710 for integrated profitability calculation. ), Or the special customer group profit calculation server 5715, or the corporate customer group profit calculation server 5720, or the age-specific profit calculation server 5725, or regional profit calculation server 5730, or gender profit calculation server (5735) Or, the internal configuration of the system for operating the profitability calculation results for each branch or organization according to the customer (group) received from the profitability calculation server (5740) by job, the general knowledge in the field to which the present invention belongs If the person having the present invention can refer to this drawing 74, various implementation methods of the system for integrated profitability calculation result operation can be inferred. It includes, but is not limited to, all the methods of inferred above.

According to an embodiment of the present invention, the integrated profitability calculation system includes employee profitability information of individual customer group, employee profitability information of PB customer group, employee profitability information of special customer group, employee profitability information of corporate customer. Integrated profitability calculation server (5700) for integrated profitability calculation based on employee profitability information by age, employee profitability information by region, employee profitability information by gender, and employee profitability information by occupation, Financial system 5750 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 provided at a branch (or branch). It is characterized by consisting of).

The integrated profitability calculation server 5700 includes employee information, branch information of the employee, organizational information of the employee, profitability information of the individual customer group linked to the employee information, profitability information of the PB customer group, and special customer group. Profitability information, profitability information of corporate customer groups, profitability information by age, profitability information by region, gender profitability information, and profitability information by occupation. Individual customer group profitability calculation server (5705), PB customer group profitability calculation server (5710), special customer group From profitability calculation server (5715), corporate customer group profitability calculation server (5720), age-specific profitability calculation server (5725), regional profitability calculation server (5730), gender profitability calculation server (5735), job profitability calculation server (5740) It is preferable to extract, to determine the integrated profitability of each branch or organization according to the customer (group) according to the branch information of the employee or the organization information of the employee, the present invention If you have ordinary knowledge in this field, refer to Figure 74 to add a variety of information for calculating the integrated profitability, such as the cost of employees (eg, employee wages), to the method of confirming the integrated profitability. However, in this figure 74, the factors for the cost of the employee is omitted because it is not used to calculate the profitability.

Here, it is preferable that the information on the required expenses of the employee means costs such as direct costs and indirect costs for employees belonging to the branch or organization.

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

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

The integrated profitability calculation server 5700 has a D / B for storing the integrated profitability calculation results for each branch or organization according to the customer (group) or stores the integrated profitability calculation results for each branch or organization according to the customer (group). Interworking with a separate D / B server having a D / B through a communication network.

Referring to FIG. 74, the integrated profit calculation server 5700 includes the personal customer group profit calculation server 5705, the PB customer group profit calculation server 5710, the special customer group profit calculation server 5715, and the corporate customer group. Profitability from each server D / B in connection with profitability calculation server (5720), age-specific profitability calculation server (5725), regional profitability calculation server (5730), gender profitability calculation server (5735), and job profitability calculation server (5740). Information receiving unit 7400 (or information receiving means) for receiving information, the personal customer group profitability calculation server 5707 D / B, PB customer group profitability calculation server 5710 D / B, special customer group profitability calculation server ( 5715) D / B, corporate customer group profitability calculation server (5720) D / B, age-specific profitability calculation server (5725) D / B, regional profitability calculation server (5730) D / B, gender profitability calculation server (5735) D / B, profitability calculation server for each job (5740) Extract the necessary information from the information received from the D / B Information extracting unit 7405 (or information extracting means), the individual customer group profitability calculation server 5705 D / B, PB customer group profitability calculation server 5710 D / B, special customer group profitability calculation server 5715 D / B, Corporate Customer Group Profitability calculation server (5720) D / B, Profitability calculation server by age (5725) D / B, Profitability calculation server by region (5730) D / B, Gender profitability calculation server (5735) D / B, Profitability calculation server for each job 5574 Profitability calculation unit (7415) (or profitability calculation means) for calculating the profitability of the information extracted from the D / B, information confirmation unit 7210 to check the point or organization in the above profitability calculation information (Or information confirmation means), and an information storage unit 7420 (or information storage means) for storing the above-mentioned profitability calculation information in the D / B.

Here, the personal customer group profitability calculation server 5705 D / B preferably includes employee profitability information for each individual customer group, employee information, branch information of the employee, and organizational information of the employee.

In addition, the PB customer group profitability calculation server 5710 D / B is preferably made to include the employee-specific profitability information, employee information, the employee's position information, the employee organization information of the employee.

In addition, the special customer group profitability calculation server (5715) D / B is preferably made to include the employee-specific profitability information, employee information, the employee branch information, the employee organization information of the employee.

In addition, the corporate customer group profitability calculation server 5720 D / B is preferably made to include the employee-specific profitability information, employee information, the employee branch information, the employee organization information of the employee.

In addition, the age-based profitability calculation server 5725 D / B is preferably made to include the employee-specific profitability information, the employee information, the employee's position information, the employee's organization information of the employee.

In addition, the region-specific profitability calculation server 5730 D / B is preferably made to include the employee-specific profitability information, employee information, the employee branch information, the employee organization information of the employee.

In addition, the gender profitability calculation server 5735 D / B preferably includes profitability information for each gender, employee information, branch information of the employee, and organizational information of the employee.

In addition, the job-specific profitability calculation server 5740 D / B is preferably made to include the employee-specific profitability information, employee information, the employee branch information, the employee organization information of the employee.

According to the exemplary embodiment of the present invention, the information receiving unit 7400 includes employee information, branch information of the employee, organizational information of the employee, individual customer group profitability information associated with the employee information, or PB customer group profitability information, Special customer group profitability information, age-based profitability information, regional profitability information, gender profitability information, occupational profitability information including at least one or more information consisting of individual customer group profitability calculation server (5705), PB customer group profitability calculation server (5710) Specialty Group profitability calculation server (5715), Corporate Customer Group profitability calculation server (5720), age-specific profitability calculation server (5725), regional profitability calculation server (5730), gender profitability calculation server (5735), profitability calculation server by occupation Receiving the profitability information from (5740) is provided to the information extraction unit 7405.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

According to the exemplary embodiment of the present invention, the information extracting unit 7405 may receive the employee information received from the information receiving unit 7400, the branch information of the employee, the organizational information of the employee, and the individual customer associated with the employee information. Profitability information by employee's branch office or organization in group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age-specific profitability information, regional profitability information, gender profitability information, occupational profitability information Is extracted and provided to the information checking unit 7410.

According to the exemplary embodiment of the present invention, the information confirming unit 7410 is associated with the employee information, the branch information of the employee, the organizational information of the employee provided by the information extracting unit 7505, the individual associated with the employee information. Profitability by employee's branch or organization in customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age-related profitability information, regional profitability information, gender profitability information, occupational profitability information The information is confirmed and provided to the profitability calculator 7415.

The profitability calculation unit 7415 may include personal customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age-based profitability information, regional profitability information, and the like provided by the information checking unit 7410. Profitability is calculated by linking gender profitability information and occupational profitability information with branch or organizational information, and provides the calculated integrated profitability information to the information storage unit 7420.

According to the exemplary embodiment of the present invention, the profitability calculator 7415 may calculate profitability in connection with the branch or organization information of the employee in the personal customer group profitability information provided by the information verification unit 7410.

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

In addition, the profitability calculation unit 7415 may calculate profitability in connection with the branch or organization information of the employee in the PB customer group profitability information provided by the information checking unit 7410.

In addition, the profitability calculator 7415 may calculate profitability in connection with the branch or organization information of the employee in the special customer group profitability information provided by the information verification unit 7410.

In addition, the profitability calculator 7415 may calculate the profitability in connection with the branch or organization information of the employee in the corporate customer group profitability information provided by the information verification unit 7410.

In addition, the profitability calculator 7415 may calculate profitability in association with the branch or organization information of the employee in the profitability information for each age provided by the information verification unit 7410.

In addition, the profitability calculation unit 7415 may calculate profitability in connection with the branch or organization information of the employee in the regional profitability information provided by the information checking unit 7410.

In addition, the profitability calculator 7415 may calculate profitability in connection with the branch or organization information of the employee in the gender profitability information provided by the information checker 7410.

In addition, the profitability calculator 7415 may calculate the profitability in connection with the branch or organization information of the employee in the profitability information for each job provided by the information verification unit 7410.

According to the method of the present invention, the information storage unit 7420 stores the profitability information provided by the profitability calculation unit 7415 in the D / B provided in the integrated profitability calculation server 5700, or the profitability calculation unit ( 7415) is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in (7415).

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

In more detail, FIG. 75 shows the individual customer group profitability calculation server 5705 shown in FIG. 58, the PB customer group profitability calculation server 5710 shown in FIG. 60, and the special customer group profitability calculation server shown in FIG. 5715), the corporate customer group profitability calculation server 5720 shown in FIG. 64, the age-specific profitability calculation server 5725 shown in FIG. 66, the regional profitability calculation server 5730 shown in FIG. 68, and the gender shown in FIG. Profitability calculation server (5735), take the profitability information from the D / B of the job-specific profitability calculation server (5740) shown in Figure 72 and calculates the profitability information for each branch or organization shown in Figure 74 by the integrated profitability calculation server ( 5700) relates to a process of storing and registering in D / B, and a person having ordinary knowledge in the field to which the present invention pertains, various implementation methods of a system for calculating profitability for each point or organization with reference to this drawing 75 Yu It will be appreciated, however, that the present invention is not limited to this Figure 75 and includes all such inferred implementation methods.

Hereinafter, in FIG. 75, the integrated profit calculation server 5700 shown in FIG. 74 is referred to as "server" for convenience.

75, the individual customer group profitability calculation server 5705, the PB customer group profitability calculation server 5710, or the special customer group profitability calculation server 5715, or a corporate customer through a predetermined communication network in the server. The individual customer group for profitability calculation server 5720, or age-specific profitability calculation server 5725, or regional profitability calculation server 5730, or gender profitability calculation server 5735, and the server calculates the profitability calculation. Profitability calculation server 5705, or PB customer group profitability calculation server 5710, special customer group profitability calculation server 5715, corporate customer group profitability calculation server 5720, or age-specific profitability calculation server 5725, or Requests to provide profitability information stored and registered in D / B of each regional profitability calculation server 5730, gender profitability calculation server 5735, or occupational profitability calculation server 5740, and correspondingly The individual customer group profitability calculation server 5705, or the PB customer group profitability calculation server 5710, the special customer group profitability calculation server 5715, or the corporate customer group profitability calculation server 5720, or age-specific profitability calculation server ( 5725), or region-specific profitability calculation server 5730, or gender profitability calculation server 5735, or job-specific profitability calculation server 5740 provides profitability information of D / B to the server (7500).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

The branch or organization information of the employee is confirmed from the information provided from each server (7505).

When extracting information about a point or organization other than the point or organization being calculated from the information provided from the server, the extracted information is discarded and only a part of the point or organization being calculated is processed (7510).

Thereafter, the server profitability information, PB customer group profitability information, or special customer group profitability information, or corporate customer group profitability information, or age-specific profitability information, or regional profitability information, or gender profitability information, job In the profitability information, the integrated profitability of each branch or organization is calculated according to the customer (group) (7515), and the calculated profitability information is stored and registered in the server storage medium 7230 (7520).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here, the profitability information for each branch or organization includes individual customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, age-specific profitability information, regional profitability information, gender profitability information, and occupation It is preferable to include at least one profitability information.

76 is a diagram showing the configuration of a group integrated customer contribution evaluation and operation system 180 for group integrated customer profitability evaluation according to an embodiment of the present invention.

In more detail, Figure 76 divides the unit for calculating profitability into five (banks, securities, trusts, cards, insurance) for calculating group integrated customer profitability, and calculates the profitability of the employees of each group on each of the five servers. And, the results calculated by the five servers to show the system that can operate the profitability calculation results through the group integrated customer profitability calculation server 7600, if the person having ordinary knowledge in the field of the present invention, Although various implementation methods for calculating group integrated customer profitability may be inferred with reference to FIG. 76, the present invention is not limited to this diagram 76 and includes all the implementation methods inferred.

Referring to FIG. 76 according to an embodiment of the present invention, the group integrated customer contribution evaluation and operation system 180 for group integrated customer profitability evaluation includes a bank integrated customer profitability calculation server 7615 and a security integration customer profitability calculation server 7635. ), The integrated investment customer profit calculation server (7655), the card integrated customer profit calculation server (2675), the insurance integrated customer profit calculation server (7695), and the bank system (7618) is characterized in that it comprises.

In addition, the bank integrated customer profit calculation server (7615) is a bank personal customer group profit calculation server (7603), bank PB customer group profit calculation server (7606), bank special customer group profit calculation server (7609), bank corporate customer group profitability Customer information and profitability information associated with the customer information are obtained from the calculation server 7612, and the profitability information is stored and registered.

In addition, the bank personal customer group profitability calculation server 7603 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 7618 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 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.

In addition, the bank system 7618 is 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 (eg, our network), the window Provides a face-to-face banking service for at least one banking customer through the terminal.

In addition, the bank system 7618 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 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 bank system 7618 may be connected to a predetermined Internet banking server, and may be connected to a 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 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 7618 is associated with a predetermined wireless banking server, and 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; Or a bank that is non-face-to-face to at least one banking customer through a Global System for Mobile (GSM) terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). Provide transaction services.

In addition, the bank system 7618 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 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 7618 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 banking service to at least one or more banking customers via a GSM terminal and / or a smartphone.

In addition, the bank system 7618 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, digital TV and / or refrigerator connected to a home network). Provide non-face-to-face banking services to at least one banking customer.

In addition, the bank system 7618 is associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined 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. 76, the bank system 7618 is provided to a bank institution to open at least one bank account to at least one bank customer and to provide at least one bank transaction service based on the bank 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 bank system 7618 and at least one other bank system 7618 (and / or payment system), and / or at least one non-face to face banking means (e.g. Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) System 7618, and / or an external system that provides various banking interfaces through at least one or more common networks (e.g., CD common network, bank common network). 7618 is an interface module corresponding to a middleware platform that provides inter-component interfacing within the banking system 7618, and a predetermined number of functions required for performing respective functions in the components in the banking system 7618. 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 banking system 7618 is intended by those skilled in the art and / or the types of banking institutions (eg, commercial banks, savings banks, trust banks) provided with the banking system 6618 and the purpose of the banking system 7618. 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 7618, 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 7706 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 7618 to confirm the profitability of the PB customer group according to the customer information.

In addition, the bank special customer group profitability calculation server 7609 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 7618 to confirm the profitability of the special customer group according to the customer information.

In addition, the bank corporate customer group profitability calculation server 7612 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 7618 to confirm the profitability of the corporate customer group according to the customer information.

In addition, the securities integrated customer profit calculation server (7635) is the securities individual customer group profit calculation server (7623), securities PB customer group profit calculation server (7626), securities special customer group profit calculation server (7629), securities corporate customer group profitability The customer information and the profitability information associated with the customer information are obtained from the calculation server 7632 to store and register the profitability information.

In addition, the securities individual customer group profitability calculation server 7623 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 transaction history information for one period, 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 are extracted from the securities system 7638, 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 currency 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.

In addition, the futures option preferably means an option in which the delivery month is standardized for three month transactions, such as March, June, September, and 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 (7638) 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.

In addition, the securities system 7638 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 7638 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 (7638) is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (e.g., 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 securities to at least one or more securities trading customers via 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 security system (7638) is characterized in that it is associated with a predetermined IC chip-based wireless banking server, and based on a predetermined wireless network (for example, code division multiple access (CDMA)) through 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 security system 7638 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 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 (7638) 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 securities trading services to at least one securities trading customer.

In addition, the security system (7638) is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way 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. 76, the securities system 7638 may be 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 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 securities system 7638 and at least one other securities system 7738 (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) Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) System 7738, and / or an external system that provides a variety of securities trading interfaces through at least one or more common networks (e.g., CD and network). 7638 is an interface module corresponding to a middleware platform that provides inter-component interfacing within the securities system 7638, and a predetermined number of functions required for performing respective functions in the components in the securities system 7638. 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 7638 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 7638 and the purpose of the securities system 7638. 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 security system 7638, 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 7726 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 the customer information. According to the customer information, the transaction history information, the one or more new securities product information linked to the customer information, or the one or more new securities derivatives information linked to the customer information are extracted from the securities system 7638 for a period of time. We recommend a PB group's profitability.

In addition, the securities special customer group profitability calculation server 7629 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 7638, 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 7632 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 company 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 7638 It is preferable to check the profitability of the group.

In addition, the investment integration customer profit calculation server (7655) is the investment personal customer group profit calculation server (7643), the investment PB customer group profit calculation server (7646), the investment special customer group profit calculation server (7649), the profitability of the investment company customer group Customer information and profitability information associated with the customer information are obtained from the calculation server 7762, and the profitability information is stored and registered.

In addition, the trust personal customer group profit calculation server 7643 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 a method of extracting one or more new fund product information associated with the customer information from the investment system 7658 and confirming the profitability of the private individual customer group according to the customer information.

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, the bond fund is preferably meant to mean products that invest 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 7658 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 7584 may include at least one transmission terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or branch) of the transmission organ, and / or with 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 7658 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x) connected to a TCP / IP-based backbone network through the Internet banking server At least one client terminal (e.g., a personal computer (PC) and / or notebook computer 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 It provides a non-face-to-face teleconferencing service to at least one teleconferencing customer through a LAN / portable internet connection and a laptop and / or mobile terminal equipped with a browsing function.

In addition, the transmission system 7584 is associated with a predetermined wireless banking server, and through a wireless banking server, a predetermined wireless network (for example, a CDMA (Code Division Multiple Access) based mobile communication network, and / or 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 7584 may be connected to a predetermined IC chip-based wireless banking server, and may be based on a predetermined wireless network (eg, CDMA (Code Division Multiple Access)) through 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 7658 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 trust transaction service to at least one trust transaction customer through a GSM terminal and / or a smartphone).

In addition, the transmission system 7658 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 7658 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. 76, the trust system 7658 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; At least one non-face-to-face communication means (e.g., provided with at least one external communication network), and / or interconnection between said sending system 7658 and at least one other sending system 7658 (and / or payment system). Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) And external systems that provide access to the system 7658 and / or provide a variety of communication interfaces through at least one or more common networks (e.g., CD and network). 7658 is an interface module corresponding to a middleware platform that provides inter-component interfacing within the communication system 7658, and predetermined functions required for performing respective functions in the components in the communication system 7658. 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 transmission system 7658 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 7658 and the transmission system 7658. 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 it will be understood the detailed technical details of (7658), the detailed description thereof is omitted for convenience, and thereby the present invention is not limited.

In addition, the PB customer group profitability calculation server 7646 may include customer information and one or more fund product information (eg, derivative funds, overseas funds, equity funds, mixed funds, bond funds, MMF types) 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 7658 to check the profitability of the PB customer group according to the customer information.

In addition, the investment special customer group profitability calculation server (7649) is customer information, one or more fund product information associated with the customer information (for example, derivatives funds, overseas funds, equity funds, mixed funds, bond funds, MMF type) Fund) or one or more new fund product information associated with the customer information is extracted from the investment system 7658, 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 7762 may include customer information, one or more fund product information (eg, derivatives fund, overseas fund, stock 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 7658, 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 profit calculation server 2675 obtains customer information and profitability information associated with the customer information from the card personal customer group profit calculation server 7767 and the card corporate customer group profit calculation server 7767. 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 7703, and applies the information to the customer information. 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 credit card loans, credit loans subscribed by the customer.

According to an embodiment of the present invention, the card system 7703 is connected to at least one or more teller terminals provided at branches (and / or branch offices) of the card institution through a predetermined card network (eg, 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 7703 may include at least one card terminal including a Cash Dispenser / Automatic Teller Machine (CAD / ATM) 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 7766 is associated with a predetermined Internet banking server, and a network (eg, wired Internet, and / or IEEE 802.11x) connected to a TCP / IP based backbone network through the Internet banking server. At least one client terminal (e.g., a personal computer (PC) and / or notebook computer 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 A non-face-to-face card transaction service is provided to at least one or more card transaction customers through a LAN / portable Internet access and browsing function laptop and / or mobile terminal).

In addition, the card system 7703 is associated with a predetermined wireless banking server, and a predetermined wireless network (eg, a code division multiple access (CDMA) based mobile communication network, and / or via 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 7766 is associated with a predetermined IC chip based wireless banking server, and 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 7766 is associated with 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 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 7766 is associated with a predetermined home banking server, and 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 7766 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. 76, the card system 7703 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. And at least one non-face-to-face card transaction means (e.g., provided with at least one external communication network) and / or interconnection between said card system 7766 and at least one other card system 7773 (and / or payment system). , Internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) And external systems that provide access and / or various card transaction interfaces through at least one common network (eg, CD common network, card common network). An interface module corresponding to a middleware platform that provides inter-component interfacing within the card system 7703, and predetermined information (e.g., ledger) required for each function in the components in the card system 7703 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 7703 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 features of the card system 7703 to which the card system 7703 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 understood the detailed technical details of (7663), the detailed description thereof will be omitted for convenience, and thereby the present invention is not limited.

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 (7663) to the customer information. Therefore, it is desirable to check the profitability of the card company group.

In addition, the insurance integrated customer profit calculation server 7695 obtains customer information and profitability information associated with the customer information from the insurance individual customer group profitability calculation server 7603 and the insurance corporate customer group profitability calculation server 7692. 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 7698. 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 7698 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 7698 may include at least one insurance terminal including a cash dispenser / automatic teller machine (CAD / ATM) provided at a branch (and / or branch) of the insurance institution, and / or the insurance institution. At least one insurance terminal provided in an affiliated at least one other insurance institution (and / or other insurer branch), 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 7698 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 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 (7698) is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (e.g., 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 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 (7698) 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 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 7698 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 insurance transaction service to at least one insurance customer through a GSM terminal and / or a smartphone).

In addition, the insurance system (7698) 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 insurance services to at least one insurance customer.

In addition, the insurance system (7698) 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. 76, the insurance system 7698 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 7676 and at least one other insurance system 7698 (and / or payment system), and / or at least one non-face-to-face insurance transaction means (e.g., Internet banking, Wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) to the insurance system (7698). 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 7698 further includes: An interface module corresponding to a middleware platform that provides inter-component interfacing within the system 7698, and predetermined information (e.g., ledger information) required for each function in a component in the insurance system 7698 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 7698 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 7698 and the purpose and characteristics of the insurance system 7698. 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 ( 7698) will be familiar with the technical details, detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

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 7698. 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 (7615), bank personal customer group profit calculation server (7603), bank PB customer group profit calculation server (7606), bank special customer group profit calculation server (7609), bank corporate customer group profitability Calculation server (7612), securities integration customer profit calculation server (7635), securities individual customer group profit calculation server (7623), securities PB customer group profit calculation server (7626), securities special customer group profit calculation server (7629), securities Corporate customer group profitability calculation server (7632), Trusted customer profitability calculation server (7655), Trusted individual customer group profitability calculation server (7643), Trusted PB customer group profitability calculation server (7646), Trusted special customer group profitability calculation server ( 7649), Trusted Corporate Customer Group Profitability Calculation Server (7652), Card Integrated Customer Profitability Calculation Server (2675), Card Individual Customer Group Profitability Calculation Server (7663), Card Corporate Customer Group Profitability Calculation Server (7672), Insurance Integration Customers The profit calculation server 7695, the insurance individual customer group profitability calculation server 7603, and the insurance corporate customer group profitability calculation server 7692 may be provided in the form of a server or a module in the financial system. It may be provided outside.

In addition, bank integrated customer profit calculation server (7615), bank personal customer group profit calculation server (7603), bank PB customer group profit calculation server (7606), bank special customer group profit calculation server (7609), bank corporate customer group profitability Calculation server (7612), securities integration customer profit calculation server (7635), securities individual customer group profit calculation server (7623), securities PB customer group profit calculation server (7626), securities special customer group profit calculation server (7629), Securities corporate customer group profitability calculation server (7632), Trusted customer profitability calculation server (7655), trust personal customer group profitability calculation server (7643), investment PB customer group profitability calculation server (7646), investment special customer group profitability calculation server (7649), profitability calculation server (7652), trust management server profitability calculation server (7675), card personal customer profitability calculation server (7663), profitability calculation server (7663) card customer customer group, insurance integration customer Number The profit calculation server 7695, the insurance individual customer group profitability calculation server 7603, and the insurance company customer group profitability calculation server 7692 may be provided in the form of modules in one server or in the form of modules in several servers. It may be.

* Here, the integrated server is linked to the external system of the financial system (bank system 7618, securities system 7738, trust system 7658, card system 7766, insurance system 7698) D / B Information receiving unit (or information receiving means) for receiving information of individual customer group receiving information from, Information receiving unit for receiving information of PB customer group, Information receiving unit for receiving information of special customer group, Information of corporate customer group Characterized in that it comprises at least one or more information receiving unit for receiving.

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.

Figure 77 shows a system configuration for calculating the profitability of the individual customer group according to the embodiment of the present invention.

In more detail, Figure 77 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 (e.g., foreign exchange products (imports and exports trading products such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.) associated with customer information, additional services (exchanges, 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 7618, Extracting the information corresponding to the customer group, confirming the information on the individual customer group from the extracted information, showing the internal configuration of the system for calculating the profitability for the individual customer 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 this drawing 77, but the present invention is limited to the drawing 77. 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. A banking system 7618 for providing at least one financial transaction (e.g., 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 7618, and a method of confirming the profitability of the individual customer group according to the customer information is preferable, and a person having ordinary knowledge in the field to which the present invention belongs, will refer to the individual customer with reference to FIG. In the method of checking the profitability of the group, various information for calculating the profitability of the individual customer group such as the cost of the employee in charge of the individual customer (for example, the employee wage, etc.) may be added. The element for is not used in profitability calculation and is therefore omitted.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

* The individual customer group profitability calculation server may include a D / B server and a communication network having a D / B for storing profitability calculation results for individual customers or a D / B for storing profitability calculation results for individual customers. It is linked through.

Referring to Figure 77, the personal customer group profitability calculation server, an information receiving unit 7700 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the bank system 7618, the ledger An information extraction unit 7705 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 7710 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 7715 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 7720 (or information storage means) for storing the profitability calculation information in the D / B Characterized in that made.

Here, the ledger D / B is a D / B provided in the bank system 7618, and the ledger D / B includes customer information, account information, non-account information, and transaction information necessary for calculating profitability for the individual customer group. It is preferable to comprise.

According to an embodiment of the present invention, the information receiving unit 7700 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 extraction unit 7705 by receiving ledger information from the ledger D / B in association with the external system of the bank system 7618.

Here, the ledger information may include customer information, account information, non-account information, and transaction history information requested by the bank system 7618 from the individual 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 7705 extracts information on the individual customer from the customer information received from the information receiving unit 7700 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 7700 or one or more non-account information associated with the customer information to the information checking unit 7710. Or extract information about the individual customer from the customer information received from the information receiving unit 7700 and transaction history information for a predetermined period associated with the customer information, and provide the information to the information checking unit 7710. Or extracting information about an individual customer from the customer information received from the information receiving unit 7700 and one or more new account information associated with the customer information. The information verification unit 7710 may be provided to the verification unit 7710 or extract information about the individual customer from the customer information received from the information receiving unit 7700 or one or more new non-account information associated with the customer information. )

According to the exemplary embodiment of the present invention, the information checking unit 7710 may identify the personal customer from the information on the individual customer from the customer information extracted from the information extracting unit 7705 and one or more account information associated with the customer information. Providing the individual customer from the information on the individual customer provided to the profitability calculation unit 7715 or the one or more non-account information associated with the customer information extracted from the information extraction unit 7705 Profitability calculation unit 7715 provided to the customer, or extracted from the information extraction unit 7705, the customer profit by identifying the individual customer in the information about the transaction history information for a certain period associated with the customer information The customer information provided by the calculation unit 7715 or extracted from the information extraction unit 7705 or one or more new account information associated with the customer information. Identify the customer and provide it to the profitability calculation unit 7715, or identify the individual customer from one or more new non-account information associated with the customer information and the customer information extracted by the information extraction unit 7705. The profitability calculation unit 7715 is provided.

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

The profitability calculation unit 7715 may include account profitability information for the individual customer, non-account profitability information for the individual customer, transaction profitability information for the individual customer, or personal customer provided by the information verification unit 7710. 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 7720.

According to an embodiment of the present invention, the profitability calculation unit 7715 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 individual customer. It is desirable to calculate profitability information.

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 7715 calculates profitability information such as revenue from foreign exchange products, revenue from derivative products, revenue from securities, or revenue from ancillary services in the 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 7715 may include at least one profitability information such as income from the unpaid bank account transaction history, profits from current or other remittances, profits from bankbook loss, or profits from card loss. 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 7715 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 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 7715 may include at least one of profits from foreign exchange products, derivatives, or securities, or revenues from non-account information of 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 7720 stores the profitability information provided by the profitability calculation unit 7715 in the D / B provided in the individual customer group profitability calculation server, or the profitability calculation unit 7715 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 7618 may be connected to at least one or more teller terminals provided at branches (and / or branch offices) of the banking institution through a predetermined banking network (for example, a banking network). Provide face-to-face banking services to at least one banking customer.

In addition, the bank system 7618 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 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 bank system 7618 may be connected to a predetermined Internet banking server, and may be connected to a 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 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 7618 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 / through the wireless banking server, and / Or at least one wireless terminal (e.g., a personal communication system (PCS) having a connection and browsing function with the mobile communication network) connected to the IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network; and / Or a bank that is non-face-to-face to at least one banking customer through a Global System for Mobile (GSM) terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). Provide transaction services.

In addition, the bank system 7618 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 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 7618 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 a mobile communication network based on a Code Division Multiple Access (CDMA)) And / or provide non-face-to-face banking services to at least one or more banking customers via a GSM terminal and / or a smartphone.

In addition, the bank system 7618 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, digital TV and / or refrigerator connected to a home network). Provide non-face-to-face banking services to at least one banking customer.

In addition, the bank system 7618 is associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined 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. 76, the bank system 7618 is provided to a bank institution to open at least one bank account to at least one bank customer and to provide at least one bank transaction service based on the bank account. An accounting system comprising: an accounting system for processing a windowing service such as a credit or a reception or trust or a foreign exchange occurring in at least one branch (or window); an information system for processing the headquarters business, supporting branch information, and managing customer information; And interconnection between the bank system 7618 and at least one other bank system 7618 (and / or payment system), and / or at least one non-face to face banking means (eg Internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) System 7618, and / or an external system that provides various banking interfaces through at least one or more common networks (e.g., CD common network, bank common network). 7618 is an interface module corresponding to a middleware platform that provides inter-component interfacing within the banking system 7618, and a predetermined number of functions required for performing respective functions in the components in the banking system 7618. 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 banking system 7618 is intended by those skilled in the art and / or the types of banking institutions (eg, commercial banks, savings banks, trust banks) provided with the banking system 6618 and the purpose of the banking system 7618. 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 7618, and thus the 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 7618 includes more information than the information shown in the ledger D / B of the banking system 7618, but only shows information for calculating the profitability of individual customer groups. .

78 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 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.

More specifically, Figure 78 shows the ledger information from the ledger D / B of the bank system 7618 shown in Figure 77, and the five conditions of the individual customer group through the individual customer group profitability calculation server shown in Figure 77. 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. If a person having ordinary knowledge in the field to which the present invention belongs, the individual customer will be referred to this drawing 78 Various implementation methods of the system for calculating the profitability of the group may be inferred, but the present invention is not limited to this figure 78, but all inferred It includes the method of implementation.

Hereinafter, in Fig. 78, the personal customer group profitability calculation server shown in Fig. 77 is referred to as &quot; server &quot; for convenience.

Referring to FIG. 78A, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (7800a).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 and 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 information corresponding to the individual customer group from the ledger information provided from the bank system 7618 (7805a).

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. 78a, only the part of the individual customer group is processed. (7810a).

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (7815a), and stores and registers the checked profitability information in the server storage medium 7730 (7820a).

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. 78B, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (7800b).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 and non-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 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 individual customer group from the ledger information provided from the bank system 7618 (7805b).

If information about groups other than the individual customer group is extracted from the non-account information, processing is performed by referring to other drawings shown in the present invention according to each group. (7810b).

Thereafter, the server checks the profitability information of the non-account corresponding to the individual customer group (7815b), and stores and registers the checked profitability information on the server storage medium 7730 (7820b).

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. 78c, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the bank system 7618 ledger D / B for the profitability calculation. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (7800c).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 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 individual customer group from the ledger information provided from the bank system 7618 (7805c).

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. 78c, only the part of the individual customer group is processed. (7810c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the individual customer group (7815c), and stores and registers the checked profitability information in the server storage medium 7730 (7820c).

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. 78D, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide the ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (7800d).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 and 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 individual customer group from the ledger information provided from the bank system 7618 (7805d).

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. 78d, only the part of the individual customer group is processed. (7810d).

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (7815d), and stores and registers the checked profitability information in the server storage medium 7730 (7820d).

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. 78E, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (7800e).

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 bank system 7618.

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 information corresponding to the individual customer group from the ledger information provided from the bank system 7618 (7805e).

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. 78e, only the portion of the individual customer group is processed. (7810e).

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (7815e), and stores and registers the checked profitability information in the server storage medium 7730 (7820e).

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.

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

More specifically, Figure 79 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 transaction products such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), ancillary services (exchange) 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 7618, As the figure shows the internal configuration of the system for extracting the information corresponding to the PB 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 can infer various implementation methods of the system for calculating the profitability of the PB customer group with reference to this drawing 79, but the present invention is not limited to this drawing 79, 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 may include profitability calculation for account products of the PB customer group, profitability calculation for non-accounting products, or profitability by transaction details of the PB customer group for a certain period of time. PB customer group profitability calculation server or branch of a financial institution for calculating the profitability of a PB customer group that includes at least one calculation or profitability of joining a new account product or a new non-account product of a PB customer group A banking system 7618 for providing at least one financial transaction (eg, credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) services through at least one face-to-face or non-face-to-face financial transaction channel 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 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 7618, and a method of confirming the profitability of the PB customer group according to the customer information is preferable, and a person having ordinary knowledge in the field to which the present invention belongs may refer to the PB customer with reference to FIG. In the method of checking the profitability of the group, various information for calculating the profitability of the PB customer group, such as the cost of the employee in charge of the PB customer (for example, employee wages) can be added. The cost factor is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

The 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. 79, the PB customer group profitability calculation server includes: an information receiving unit 7900 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the bank system 7618; An information extraction unit 7905 (or information extraction means) for extracting necessary information from the information received from the ledger D / B, and an information confirmation unit 7810 (or information confirmation means) for confirming the information extracted from the ledger D / B. And a profitability calculation unit 7915 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 7720 (or information storage means) for storing the profitability calculation information in the D / B. Characterized in that made.

Here, the ledger D / B is a D / B provided in the bank system 7618, and the ledger D / B includes customer information, account information, non-account information, and transaction information necessary for calculating profitability for the PB customer group. It is preferable to comprise.

According to an embodiment of the present invention, the information receiving unit 7900 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 7905 by receiving ledger information from the ledger D / B in association with the external system of the bank system 7618.

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 7618 to calculate profitability for the PB customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 7905 extracts information on the PB customer from the customer information received from the information receiving unit 7900 and one or more account information associated with the customer information to check the information. The information about the PB customer may be extracted from the customer information received from the information receiving unit 7900 or one or more non-account information associated with the customer information to the information checking unit 7810. Or extract information about the PB customer from the customer information received from the information receiving unit 7900 and the transaction history information for a predetermined period associated with the customer information, and provide the information to the information confirming unit 7810, Alternatively, the information confirmation unit 7810 may be extracted by extracting information about a PB customer from the customer information received from the information receiving unit 7900 and one or more new account information associated with the customer information. Or extract information about the PB customer from the customer information received from the information receiving unit 7900 or one or more new non-account information associated with the customer information and provide it to the information checking unit 7810. .

According to the exemplary embodiment of the present invention, the information checking unit 7910 may identify the PB customer from the information about the PB customer from the customer information extracted from the information extracting unit 7905 and one or more account information associated with the customer information. The PB customer may be identified from the information about the PB customer provided in the profitability calculation unit 7915 or the one or more non-account information associated with the customer information extracted by the information extraction unit 7905. The profitability of the PB customer by providing to the profitability calculation unit 7915 or the customer information extracted by the information extraction unit 7905 and the transaction history information for a predetermined period associated with the customer information. The PB customer may be provided to the calculation unit 7915 or one or more new account information associated with the customer information extracted from the information extraction unit 7905 or the customer information. The profitability calculation unit may be provided to the profitability calculation unit 7915 or the PB customer may be identified from the customer information extracted from the information extraction unit 7905 or one or more new non-account information associated with the customer information. Provided by (7915).

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

The profitability calculation unit 7915 may include 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 for the PB customer. 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 7920.

According to the method of the present invention, the profitability calculation unit 7915 includes 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. It is desirable to calculate profitability information.

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 7915 calculates profitability information such as revenue from foreign exchange products, revenue from derivative products, revenue from securities, or revenue from ancillary services in the 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 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.

In addition, the profitability calculation unit 7915 includes at least one or more profitability information such as profits from the unpaid bank account transaction history, revenues from current or other remittances, revenues from bankbook loss, or revenues from card loss. 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 7915 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 PB customer. It is desirable to.

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.

In addition, the profitability calculation unit 7915 may include at least the profits of foreign exchange products, the profits of derivative products, the profits of securities, or the profits of ancillary services in the non-account information newly registered by 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 an exemplary embodiment of the present invention, the information storage unit 7920 stores the profitability information provided by the profitability calculation unit 7915 in a D / B provided in the PB customer group profitability calculation server, or the profitability calculation unit 7915. 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 embodiment of the present invention, the bank system 7618 provides the ledger information to the PB customer group profit calculation server in association with the ledger D / B in the bank system 7618 in association with the PB customer group profit calculation server. It provides a function for, and detailed description of the internal configuration has been described with reference to Figure 77, it is omitted.

In addition, the ledger information for the ledger D / B of the banking system 7618 has more information than the information shown in the ledger D / B of the banking system 7618 shown in FIG. Only information is shown.

80 shows 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 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.

More specifically, Fig. 80 obtains ledger information from the ledger D / B of the bank system 7618 shown in Fig. 77, and the five conditions of the PB customer group through the PB customer group profitability calculation server shown in Fig. 79. 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 customer Various implementation methods of the system for calculating the profitability of the group may be inferred, but the present invention is not limited to this drawing 80, and includes all the implementation methods inferred.

Hereinafter, in FIG. 80, the PB customer group profitability calculation server shown in FIG. 79 is referred to as "server" for convenience.

Referring to FIG. 80A, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8000a).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 and 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 information corresponding to the PB customer group from the ledger information provided from the bank system 7618 (8005a).

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. 80A, only the part of the PB customer group is processed. (8010a).

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (8015a), and stores and registers the checked profitability information in the server storage medium 7930 (8020a).

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. 80b, the server accesses the bank system 7618 through a predetermined communication network and requests the server to provide the ledger information of the bank system 7618 ledger D / B for the profitability calculation. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8000b).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 and non-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 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 7618 (8005b).

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. 80B, only the portion of the PB customer group is processed. 8010b.

Thereafter, the server checks the profitability information of the non-account corresponding to the PB customer group (8015b), and stores and registers the checked profitability information in the server storage medium 7930 (8020b).

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.

Referring to FIG. 80c, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8000c).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 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 7618 (8005c).

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. 80C, only the part of the PB customer group is processed. (8010c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the PB customer group (8015c), and stores and registers the confirmed profitability information in the server storage medium 7930 (8020c).

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. 80D, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8000d).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 and 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 7618 (8005d).

* If information on 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 this drawing, only the part of the PB customer group is processed in this drawing 80d. (8010d).

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (8015d), and stores and registers the checked profitability information in the server storage medium 7930 (8020d).

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. 80E, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8000e).

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 bank system 7618.

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 information corresponding to the PB customer group from the ledger information provided from the bank system 7618 (8005e).

* 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 this drawing 80e, only the portion of the PB customer group is processed. (8010e).

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (8015e), and stores and registers the checked profitability information in the server storage medium 7930 (8020e).

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.

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

In more detail, FIG. 81 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 transaction products such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), ancillary services (exchange) 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 7618, Extracting the information corresponding to the special customer group, and confirming the information about the special customer group from the extracted information, showing the internal configuration of the system for calculating the profitability for the special customer 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 this drawing 81, but the present invention is limited to this drawing 81. 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 A banking system 7618 for providing at least one financial transaction (e.g., 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 bank system 7618, and a method of confirming the profitability of the special customer group according to the customer information is preferable, and a person having ordinary knowledge in the field to which the present invention pertains will refer to the special customer with reference to FIG. In the method of checking the profitability of the group, various information for calculating the profitability of the special customer group such as the cost of the employee in charge of the special customer (for example, the employee wage, etc.) may be added. The element for is not used in profitability calculation and is therefore omitted.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

The 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. 81, the special customer group profitability calculation server includes an information receiving unit 8100 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the bank system 7618. An information extraction unit 8105 (or information extraction means) for extracting necessary information from the information received from the ledger D / B, and an information confirmation unit 8110 (or information confirmation means) for confirming the information extracted from the ledger D / B. And a profitability calculator 8315 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 8120 (or information storage means) for storing the profitability calculation information in the D / B. Characterized in that made.

Here, the ledger D / B is a D / B provided in the bank system 7618, and the ledger D / B includes customer information, account information, non-account information, and transaction information necessary for calculating profitability for a special customer group. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information receiving unit 8100 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 extraction unit 8105 by receiving ledger information from the ledger D / B in association with the external system of the bank system 7618.

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 bank system 7618 to calculate profitability for the special customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 8105 extracts information about a special customer from one or more account information associated with the customer information and the customer information received by the information receiving unit 8100 to check the information. The information about the special customer may be extracted from the customer information received from the information receiving unit 8100 or one or more non-account information associated with the customer information to the information checking unit 8110. Or extract information about a special customer from the customer information received from the information receiving unit 8100 and transaction history information associated with the customer information for a predetermined period, and provide the information to the information checking unit 8110. Alternatively, the information about the special customer is extracted from the customer information received from the information receiving unit 8100 and at least one new account information associated with the customer information. The information confirmation unit 8210 may be provided to the identification unit 8110 or the information about the special customer may be extracted from the customer information received from the information receiving unit 8100 or one or more new non-account information associated with the customer information. To provide.

According to the exemplary embodiment of the present invention, the information checking unit 8110 may identify the special customer from the customer information extracted from the information extracting unit 8105 and information about the special customer from one or more account information associated with the customer information. Providing the special customer from the information on the special customer from the customer information, the one or more non-account information associated with the customer information extracted by the information extraction unit 8105 or the profit extraction unit 8151 Profitability calculation unit 8151 provided to the customer, or extracted from the information extraction unit 8105 to identify the special customer in the information about the transaction history information for a certain period associated with the customer information and the profitability In the customer information extracted from the information extraction unit 8105 or at least one new account information associated with the customer information provided to the calculation unit 8215 The customer may be identified and provided to the profitability calculation unit 8215 or the special customer may be identified by identifying one or more new non-account information associated with the customer information and the customer information extracted by the information extraction unit 8105. The profitability calculation unit 8215 is provided.

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

The profitability calculation unit 8215 may include 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 8110. 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 8120.

According to the exemplary embodiment of the present invention, the profitability calculator 8315 may include at least one of profits from a savings account, a profit from a savings account, or a profit from a 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 8215 may calculate profitability information such as profits from foreign exchange products, revenues from derivative products, revenues from securities, or revenues from ancillary services in the non-account 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 8215 may include at least one or more profitability information such as profits from the unpaid bank account transaction history, revenues from current or other remittances, revenues from bankbook loss, or revenues from 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 8215 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 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 includes at least one or more potential interest income from borrowing and receiving interest on the new redemption account, or potential operating income from the savings operation of the new redemption account, or potential loan interest income from the new loan account. desirable.

In addition, the profitability calculation unit 8215 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 8120 stores the profitability information provided by the profitability calculation unit 8215 in the D / B provided in the special customer group profitability calculation server, or the profitability calculation unit 8215 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 bank system 7618 provides the ledger information to the special customer group profit calculation server in association with the ledger D / B in the bank system 7618 in connection with the special customer group profit calculation server. It provides a function for, and since the detailed description of the internal configuration has been described with reference to Figure 77, it is omitted.

In addition, the ledger information for the ledger D / B of the bank system 7618 has more information than the information shown in the ledger D / B of the bank system 7618 shown in Figure 81, Only information is shown.

82 shows account profitability information for special customers, non-account profitability information for special customers, transaction profitability information for special customers, and 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.

More specifically, the drawing 82 takes the ledger information from the ledger D / B of the banking system 7618 shown in the drawing 77, and the five conditions of the special customer group through the special customer group profitability calculation server shown in the drawing 81. 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, 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, and having ordinary knowledge in the field to which the present invention pertains, refer 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 this drawing 82, but all inferred It includes the method of implementation.

Hereinafter, in FIG. 82, the special customer group profitability calculation server shown in FIG. 81 is referred to as "server" for convenience.

82A, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide the ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8200a).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 and 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 information corresponding to the special customer group from the ledger information provided from the bank system 7618 (8205a).

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 only the part of the special customer group is processed in this drawing 82a. (8210a).

Thereafter, the server checks the profitability information of the account corresponding to the special customer group (8215a), and stores and registers the checked profitability information in the server storage medium 8130 (8220a).

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.

82B, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8200b).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 and non-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 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 special customer group from the ledger information provided from the bank system 7618 (8205b).

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. 82b, only the part of the special customer group is processed. (8210b).

Thereafter, the server checks the profitability information of the non-account corresponding to the special customer group (8215b), and stores and registers the checked profitability information in the server storage medium 8130 (8220b).

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.

82c, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for the profitability calculation. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8200c).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 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 information corresponding to the special customer group from the ledger information provided from the bank system 7618 (8205c).

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. 82c, only the part of the special customer group is processed. (8210c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the special customer group (8215c), and stores and registers the checked profitability information in the server storage medium 8130 (8220c).

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. 82D, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8200d).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 and 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 special customer group from the ledger information provided from the bank system 7618 (8205d).

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. 82d, only the part of the special customer group is processed. (8210d).

Thereafter, the server checks the profitability information of the account corresponding to the special customer group (8215d), and stores and registers the checked profitability information in the server storage medium 8130 (8220d).

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.

82E, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide the ledger information of the ledger D / B of the bank system 7618 for the profitability calculation. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8200e).

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 bank system 7618.

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 information corresponding to the special customer group from the ledger information provided from the bank system 7618 (8205e).

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. 82e, only the part of the special customer group is processed. (8210e).

Thereafter, the server checks the profitability information of the account corresponding to the special customer group (8215e), and stores and registers the checked profitability information in the server storage medium 8130 (8220e).

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.

Figure 83 shows a system configuration for calculating the profitability of the corporate customer group according to the embodiment of the present invention.

More specifically, FIG. 83 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. One or more non-account information (e.g., foreign exchange products (imports and exports trading products such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.) associated with customer information, additional services (exchanges, 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 7618, and 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 embodiments of the system for calculating profitability of the corporate customer group may be inferred with reference to this drawing 83, but the present invention is limited to this drawing 83. 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) for calculating the profitability of the corporate customer group, which includes at least one calculation of the profitability of joining a new account product or a new non-account product. A banking system 7618 for providing at least one financial transaction (e.g., 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 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 bank system 7618, and a method of confirming the profitability of the corporate customer group according to the customer information is preferable, and a person having ordinary knowledge in the field to which the present invention belongs may refer to the corporate customer with reference to FIG. In the method of checking the profitability of the group, various information for calculating the profitability of the corporate customer group such as the cost of the employee in charge of the corporate customer (for example, the employee wage, etc.) may be added. The element for is not used in profitability calculation and is therefore omitted.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

The 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. 83, the corporate customer group profitability calculation server includes: an information receiving unit 8300 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the bank system 7618; An information extraction unit 8305 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 8310 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 8315 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 8320 (or information storage means) for storing the profitability calculation information in the D / B Characterized in that made.

Here, the ledger D / B is a D / B provided in the bank system 7618, and the ledger D / B includes customer information, account information, non-account information, and transaction 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 8300 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 8305 by receiving ledger information from the ledger D / B in association with the external system of the bank system 7618.

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 7618 to calculate profitability for the corporate customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 8305 extracts information on a corporate customer from one or more account information associated with the customer information and the customer information received by the information receiving unit 8300 to confirm the information. The information about the corporate customer may be extracted from the customer information received from the information receiving unit 8300 or one or more non-account information associated with the customer information to the information checking unit 8310. Or extract information about a corporate customer from the customer information received from the information receiving unit 8300, transaction history information for a predetermined period associated with the customer information, and provide the information to the information checking unit 8310, Alternatively, the information about the corporate customer may be extracted from the customer information received from the information receiving unit 8300 or one or more new account information associated with the customer information. The information verification unit 8310 may be provided to the identification unit 8310 or the information about the corporate customer may be extracted from the customer information received from the information receiving unit 8300 or one or more new non-account information associated with the customer information. )

According to an embodiment of the present invention, the information checking unit 8310 checks the corporate customer from the information on the corporate customer in the customer information extracted from the information extraction unit 8305, one or more account information associated with the customer information Providing to the profitability calculation unit 8315, or in the customer information extracted from the information extraction unit 8305, at least one non-account information associated with the customer information to identify the corporate customer in the information about the corporate customer Profitability calculation unit 8315 is provided to the customer or extracted from the information extraction unit 8305, the customer information from the information on the transaction history information for a certain period associated with the customer information to confirm the profitability The customer information provided by the calculation unit 8315 or extracted from the information extraction unit 8305 or one or more new account information associated with the customer information. The business customer may be identified and provided to the profitability calculation unit 8315 or the one or more new non-account information associated with the customer information extracted from the information extraction unit 8305 may be used to identify the corporate customer. The profitability calculation unit 8315 is provided.

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

The profitability calculation unit 8315 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 checking unit 8310. 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 8320.

According to an embodiment of the present invention, the profitability calculation unit 8315 may include 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 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 8315 calculates 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 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.

In addition, the profitability calculation unit 8315 may include at least one or more profitability information, such as profits from the unpaid bank account transaction history, revenues from current or other remittances, revenues from bankbook loss, or revenues from card loss. 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 8315 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, from new 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 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 8315 may include at least the profits of foreign currency products, the profits of derivative products, the profits of securities, or the profits of 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 the method of the present invention, the information storage unit 8320 stores the profitability information provided by the profitability calculation unit 8315 in the D / B provided in the corporate customer group profitability calculation server, or the profitability calculation unit 8315 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 7618 provides the ledger information to the corporate customer group profitability calculation server in association with the ledger D / B in the banking system 7618 in association 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 77, it is omitted.

In addition, the ledger information for the ledger D / B of the bank system 7618 has more information than the information shown in the ledger D / B of the bank system 7618 shown in Figure 83, Only information is shown.

84 shows account profitability information for corporate customers, non-account profitability information for corporate customers, transaction profitability information for corporate customers, and new account profitability for corporate customers 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.

More specifically, Fig. 84 takes the ledger information from the ledger D / B of the bank system 7618 shown in Fig. 77, and the five conditions of the corporate customer group through the enterprise customer group profitability calculation server shown in Fig. 83. 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 a person having ordinary knowledge in the field to which the present invention pertains is referred, 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 84, but all inferred It includes the method of implementation.

Hereinafter, in Figure 84, the corporate customer group profitability calculation server shown in Figure 83 is referred to as "server" for convenience.

Referring to FIG. 84A, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8400a).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 and 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 corporate customer group from the ledger information provided from the bank system 7618 (8405a).

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. 84a, only the portion of the corporate customer group is processed. (8410a).

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (8415a), and stores and registers the checked profitability information on the server storage medium 8330 (8420a).

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.

Referring to FIG. 84B, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8400b).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 and non-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 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 information corresponding to the corporate customer group from the ledger information provided from the bank system 7618 (8405b).

If information about groups other than the corporate 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. 84b, only the portion of the corporate customer group is processed. (8410b).

Thereafter, the server checks the profitability information of the non-account corresponding to the corporate customer group (8415b), and stores and registers the checked profitability information on the server storage medium 8330 (8420b).

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. 84C, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8400c).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 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 corporate customer group from the ledger information provided from the bank system 7618 (8405c).

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. 84c, only the portion of the corporate customer group is processed. (8410c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the corporate customer group (8415c), and stores and registers the checked profitability information on the server storage medium 8330 (8420c).

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.

Referring to FIG. 84D, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8400d).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the bank system 7618 and 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 corporate customer group from the ledger information provided from the bank system 7618 (8405d).

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. 84d, only the portion of the corporate customer group is processed. (8410d).

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (8415d), and stores and registers the checked profitability information on the server storage medium 8330 (8420d).

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.

Referring to FIG. 84E, the server accesses the bank system 7618 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 7618 for calculating the profitability. In response, the bank system 7618 provides the ledger information of the ledger D / B to the server (8400e).

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 bank system 7618.

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 information corresponding to the corporate customer group from the ledger information provided from the bank system 7618 (8405e).

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. 84e, only the portion of the corporate customer group is processed. (8410e).

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (8415e), and stores and registers the confirmed profitability information on the server storage medium 8330 (8420e).

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.

85 shows a bank individual customer group profitability calculation server 7603, a bank PB customer group profitability calculation server, a bank special customer group profitability calculation server 7407, and a bank corporate customer group profitability calculation server 7612 according to an embodiment of the present invention. The system configuration for storing valid and valid profitability information is received from profitability information.

In more detail, Figure 85 shows individual customer group, PB customer group, special customer group, corporate customer group customer information (eg, social security number, customer name, etc.) and profitability information associated with the customer information. Profitability calculation server (763), Bank PB customer group profitability calculation server (7606), Bank special customer group profitability calculation server (7609), Bank corporate customer group profitability calculation server (7612) 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 85, but the present invention. Not limited to the figure 85, 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 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.

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 customer profitability calculation server (7615) for calculating integrated profitability information and profitability information is provided to the bank integrated customer profitability calculation server (7615) by calculating profitability by linking profitability information of individual customer groups with the banking system (7618). Bank PB customer group that provides profitability information to bank integrated customer profit calculation server (7615) by calculating profitability by linking profitability information server (7603) and profitability information of PB customer group with bank system (7618). Profitability calculation server (7606) by linking the profitability information of the special customer group with the banking system (7618) to calculate the profitability Bank special customer group profitability calculation server (7609) that provides profitability information to customer profit calculation server (7615) and bank integrated customer profit calculation server by calculating profitability by linking profitability information of corporate customer group with bank system (7618) 7615) a bank corporate customer group profitability calculation server 7612 providing profitability information, at least one financial transaction (e.g., It is characterized in that it comprises a bank system (7618) for providing credit, receiving, currency exchange, foreign exchange transfer, financial investment, etc.) services.

The bank integrated customer profitability calculation server 7615 includes customer information, profitability information associated with the customer information, a bank personal customer group profitability calculation server 7603, a bank PB customer group profitability calculation server 7704, and a bank special customer group. Profitability calculation server (7609), bank corporate customer group Profitability calculation server (7612) is provided, the method for checking the individual customer group profitability, PB customer group profitability, special customer group profitability, corporate customer group profitability according to the customer information Preferably, a person having ordinary knowledge in the field to which the present invention belongs, banks, such as the cost (e.g., employee wages, etc.) for the employee in charge of the customer in the method of confirming the bank integration profitability with reference to this figure 85 Various information for integrated profitability calculation can be added, but in this figure 85, the factor of employee's cost is not used for profitability calculation. Omit.

In this case, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells the fund product to the customer.

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

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

The integrated bank customer profit calculation server 7615 includes 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. 85, the bank integrated customer profitability calculation server 7615 receives customer information of an individual customer group and personal customer group profitability information associated with the customer information from the bank personal customer group profitability calculation server 7603. 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 7706, or the special customer group from the bank special customer group profitability calculation server 7605. Receiving 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 bank corporate customer group profitability calculation server 7612 Information receiving unit 8500 (or information receiving means) comprising at least one function of receiving, the bank personal customer group profitable Information checking unit 8510 that checks the information received from the server 7603, the bank PB customer group profitability calculation server 7706, the bank special customer group profitability calculation server 7407, and the bank corporate customer group profitability calculation server 7612. (Or information confirmation means), and the information storage unit 8520 (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 8500 may include customer information, profitability information associated with the customer information, a bank personal customer group profit calculation server 7603, a bank PB customer group profit calculation server 7706, and a bank specialty. The customer group profitability calculation server 7609 and the bank corporate customer group profitability calculation server 7612 are provided to the information checking unit 8510.

According to the exemplary embodiment of the present invention, the information confirming unit 8510 checks the individual customer group in the customer information received from the information receiving unit 8500 and the profitability information associated with the customer information. ) Or check the PB customer group from the customer information received from the information receiving unit 8500, profitability information associated with the customer information, and provide the PB customer group to the information storage unit 8520, or the information receiving unit The special customer group is identified from the customer information received at 8500 and the profitability information associated with the customer information and provided to the information storage unit 8520 or the customer information received at the information receiving unit 8500. In addition, the corporate customer group is identified from the profitability information associated with the customer information and provided to the information storage unit 8520.

According to the method of the present invention, the information storage unit 8520 is a bank 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 8500 ( 7615) or a separate D / B for storing profitability information of the individual customer group, the PB customer group, the special customer group, and the corporate customer group provided by the information checking unit 8510. 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 7603 receives ledger information from the ledger D / B in the bank system 7618 in association with the bank system 7618 and thus the profitability of the personal customer group. It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 77, it is omitted.

According to the implementation method of the present invention, the bank PB customer group profitability calculation server 7706 is provided with ledger information from the ledger D / B in the bank system 7618 in connection with the bank system 7618 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 79, it is omitted.

According to the implementation method of the present invention, the bank special customer group profitability calculation server 7609 receives ledger information from the ledger D / B in the bank system 7618 in association with the bank system 7618 and thus 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 81, it is omitted.

According to the embodiment of the present invention, the bank corporate customer group profitability calculation server 7612 receives ledger information from the ledger D / B in the bank system 7618 in association with the bank system 7618 and thus 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 83, it is omitted.

According to an embodiment of the present invention, a banking system 7618 is linked with the individual customer group profitability calculation server, the PB customer group profitability calculation server, the special customer group profitability calculation server, and the corporate customer group profitability calculation server. ) 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 internal ledger D / B. Since the detailed description of the internal configuration has been described with reference to FIG. 77, it will not be shown.

Further, the ledger information for the ledger D / B of the banking system 7618 has more information than the information shown in the ledger D / B of the banking system 7618 shown in FIG. 85, 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.

86 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 embodiment of the present invention.

More specifically, FIG. 86 shows individual customer group profitability information from the D / B of the bank personal customer group profitability calculation server 7603 shown in FIG. 77, or the bank PB customer group profitability calculation server 7706 shown in FIG. PB customer group profitability information from D / B), or special customer group profitability information from D / B of the bank special customer group profitability calculation server 7609 shown in FIG. 81, or the bank corporate customer shown in FIG. The corporate customer group profitability information is obtained from the D / B of the group profitability calculation server 7612, and the four groups (individual customer group, PB customer group, special group) are obtained through the integrated bank profitability calculation server 7615 shown in FIG. Customer group, corporate customer group) and the process of storing and registering the identified information in the D / B of the bank integrated customer profit calculation server 7615, the present invention belongs to 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 86, but the present invention is not limited to this drawing 86, and all inferred implementation methods. It includes.

Hereinafter, in FIG. 86, the bank integrated customer profit calculation server 7615 shown in FIG. 85 is referred to as "server" for convenience.

Referring to FIG. 86a, the server connects to 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 (8600a). .

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 information corresponding to the individual customer group from the profitability information provided from the bank personal customer group profitability calculation server 7603 (8605a).

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. 86a, only the part of the individual customer group is processed. (8610a).

Thereafter, the server stores and registers the profitability information of the identified individual customer group in the server storage medium 8530 (8620a).

Referring to FIG. 86b, the server accesses the bank PB customer group profitability calculation server 7706 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (8600b).

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.

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 information corresponding to the PB customer group from the profitability information provided from the bank PB customer group profitability calculation server 7706 (8605b).

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. 86B, only the part for the PB customer group is processed. (8610b).

Thereafter, the server stores and registers the profitability information of the identified PB customer group in the server storage medium 8530 (8620b).

Referring to FIG. 86c, the server accesses the bank special customer group profitability calculation server 7609 through a predetermined communication network and provides the server with customer information for profitability calculation and profitability information associated with customer information. (8600c).

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 include at least one.

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 7609 (8605c).

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. 86c, only the part of the special customer group is processed. (8610c).

Thereafter, the server stores and registers the profitability information of the identified special customer group in the server storage medium 8530 (8620c).

Referring to FIG. 86D, the server accesses the bank corporate customer group profitability calculation server 7612 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (8600d).

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.

Here, the profitability information of the new account may include a potential interest income that can be borrowed and receive interest on the new savings account, or a potential operating income by deposit management of the new savings account, or a deposit on the new savings account. It is preferable to include at least one or more of the potential interest income borrowed and received interest, or the potential operating income from the savings management of the new savings account, or the potential loan interest income on 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 include at least one.

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 7612 (8605d).

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. 86d, only the portion of the corporate customer group is processed. (8610d).

Thereafter, the server stores and registers the identified profitability information of the corporate customer group in the server storage medium 8530 (8620d).

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

In more detail, Figure 87 shows customer information (e.g. social security number, customer name, etc.), one or more securities product information (e.g., securities savings, beneficiary certificates, tax incentives) to calculate profitability of individual customer groups. Savings, Repurchase Agreements (RP), Commercial Paper (CP), Certificate of Deposit (CD), Wrap Accounts, Bond Funds, Mixed Funds, Box Funds (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 individual customers by receiving new securities derivatives information from the securities system 7638, extracting information corresponding to individual customer groups, and checking information about individual customer groups 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 87 will be able to infer various implementation methods of the system for calculating the profitability of the individual customer group, but the present invention Is not limited to this figure 87 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 currency 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.

In addition, the futures option preferably means an option in which the delivery month is standardized for three month transactions, such as March, June, September, and 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. Calculation of profitability of individual customer group, which includes at least one or more profitability calculations of new securities products or new securities derivatives of the individual customer group. A securities system 7638 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 provided at 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 associated with the customer information or one or more new securities derivatives information associated with the customer information from the securities system 7638. If a person having ordinary knowledge in the field to which the present invention pertains, the cost for the employee in charge of the individual customer (eg, the employee Various information can be added to calculate the profitability of individual customer groups such as wages, etc. Elements of the strategy will cost the city live, since you have not used in calculating profitability.

Here, the information on the required cost of the employee preferably refers to costs such as direct costs and indirect costs for the employee who sells a product containing at least one securities product or securities derivatives 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 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. 87, the personal customer group profitability calculation server comprises: an information receiving unit 8700 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the securities system 7638; An information extraction unit 8705 (or information extraction means) for extracting necessary information from information received from the D / B, an information confirmation unit 8710 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 8715 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 8720 (or information storage means) for storing the profitability calculation information in the D / B Characterized in that made.

Here, the ledger D / B is a D / B provided in the securities system 7738, and the ledger D / B includes customer information, securities product information, securities derivatives information, and transaction details necessary for calculating profitability for the individual customer group. It is preferable to include information.

According to an embodiment of the present invention, the information receiving unit 8700 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 the customer information. Information including at least one or more of transaction history information, or at least one new securities product information linked to the customer information, or at least one new securities derivatives information linked to the customer information for a certain period of time. The ledger information is received from the ledger D / B in association with an external system and provided to the information extraction unit 8705.

Here, the ledger information preferably includes customer information, securities product information, securities derivatives information, and transaction history information requested by the securities system 7638 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 extractor 8705 extracts information on the individual customer from the customer information received from the information receiver 8700 and one or more securities product information associated with the customer information. The information confirmation unit 8710 may be provided to the identification unit 8710 or the information about the individual customer may be extracted from the customer information received from the information receiving unit 8700 or one or more securities derivatives information associated with the customer information. Or extracts information about the individual customer from the customer information received from the information receiving unit 8700 and transaction history information for a predetermined period associated with the customer information and provides the information to the information confirming unit 8710. Or the information on the individual customer from the customer information received from the information receiving unit 8700 or one or more new securities product information associated with the customer information. The information about an individual customer from the customer information received from the information receiving unit 8700 or one or more new securities derivatives information associated with the customer information. Provided to the identification unit (8710).

According to the method of the present invention, the information checking unit 8710 identifies the individual customer in the information on the individual customer in the customer information extracted from the information extraction unit 8705, 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 8705 or the information extraction unit 8705 The individual customer by providing the profitability calculation unit 8715 or the customer information extracted by the information extraction unit 8705 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, which is provided to the profitability calculation unit 8715 or extracted from the information extraction unit 8705 Identify the individual customer from the product information and provide it to the profitability calculation unit 8715, or the customer information extracted from the information extraction unit 8705, or at least one new securities derivatives information linked to the customer information. Check and provide to the profitability calculation unit 8715 above.

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

The profitability calculation unit 8715 may be a securities product profitability information for the individual customer provided by the information verification unit 8710, a securities derivatives profitability information for the individual customer, or a transaction profitability information for the individual customer, or an 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 8720.

According to the implementation method of the present invention, the profitability calculation unit 8715 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 fees by bonds, handling fees by commercial paper bills, withdrawal fees for negotiable deposit certificates, handling fees by wrap accounts, repayment fees by bond funds, handling fees by bond funds, repurchase fees by mixed funds, 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 8715 may calculate profitability information such as profits from financial futures from the 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 8715 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 8715 is based on the newly registered securities product information of the individual customer, 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.

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.

In addition, the profitability calculation unit 8715 may calculate profitability information, including profits from financial futures, from the securities derivatives information newly registered by 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 8720 stores the profitability information provided by the profitability calculation unit 8715 in the D / B provided in the individual customer group profitability calculation server, or the profitability calculation unit 8715 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 method of the present invention, the securities system 7638 is connected to at least one or more teller terminal provided in the branch (and / or branch) of the securities institution through a predetermined securities network (for example, the 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.

In addition, the securities system 7638 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 7638 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 client terminal (e.g., a 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 It provides a non-face-to-face securities trading service to at least one or more securities trading customers through a LAN / portable internet connection and a laptop equipped with a browsing function.

In addition, the security system (7638) is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (e.g., 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 (7638) is characterized in that it is associated with a predetermined IC chip-based wireless banking server, and based on a predetermined wireless network (for example, code division multiple access (CDMA)) through the IC chip-based wireless banking server At least one through at least one wireless terminal (e.g., a wireless terminal on which a stock IC chip is connected) 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 the above stock trading customers.

In addition, the security system 7638 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 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 (7638) 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 securities trading services to at least one securities trading customer.

In addition, the security system (7638) is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way 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. 76, the securities system 7638 may be 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, which handles accounting operations such as buying or selling stocks, buying or selling futures options, etc. occurring in at least one branch (or window), processing headquarters operations, branch office information support, and customer information management. At least one non-face-to-face securities trading means provided in the information system, the interconnection between the securities system 7638 and at least one other securities system 7638 (and / or payment systems), and / or at least one external communication network. (Eg, internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) An external system that provides access to the volume system 7638 and / or provides various securities trading interfaces through at least one common network (eg, CD common network, securities common network), and The system 7738 includes an interface module corresponding to a middleware platform that provides inter-component interfacing within the securities system 7638, and a predetermined number of functions required for performing respective functions in the components in the securities system 7738. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one or more databases for storing and managing the information (eg, ledger information, and / or customer information, and / or management information).

In addition, the securities system 7638 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 7638 is provided, and the purpose and characteristics of the securities system 7638. 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 ( 7638 will be familiar with the detailed technical matters, detailed description thereof will be omitted for convenience, and thereby the present invention is not limited.

In addition, the ledger information for the ledger D / B of the securities system (7638) has more information than the information shown in the ledger D / B of the securities system (7638) shown in this figure, Only information is shown.

Figure 88 shows the securities product profitability information for individual customers, the profitability information of securities derivatives for individual customers, the transaction profitability information for individual customers, the new information 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.

In more detail, the drawing 88 obtains the ledger information from the ledger D / B of the stock system 7638 shown in the drawing 87, and the five conditions of the individual customer group through the individual customer group profitability calculation server shown in the drawing 87. 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 a 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 88 , It includes all embodiments wherein the method of inference.

Hereinafter, in Fig. 88, the individual customer group profitability calculation server shown in Fig. 87 is referred to as &quot; server &quot; for convenience.

Referring to FIG. 88A, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (8800a).

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 7638.

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 security system 7638 (8805a).

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. 88a, only the portion of the individual customer group is processed. (8810a).

Thereafter, the server checks the profitability information of the securities product corresponding to the individual customer group (8815a), and stores and registers the confirmed profitability information in the server storage medium 8730 (8820a).

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 fees by bonds, handling fees by commercial paper bills, withdrawal fees for negotiable deposit certificates, handling fees by wrap accounts, repayment fees by bond funds, handling fees by bond funds, repurchase fees by mixed funds, 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. 88b, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (8800b).

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 7638.

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 currency 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.

In addition, the futures option preferably means an option in which the delivery month is standardized for three month transactions, such as March, June, September, and 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 security system 7638 (8805b).

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 (8810b).

Thereafter, the server checks the profitability information of the securities derivatives corresponding to the individual customer group (8815b), and stores and registers the confirmed profitability information in the server storage medium 8730 (8820b).

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. 88c, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (8800c).

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 security system 7638.

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 individual customer group from the ledger information provided from the security system 7638 (8805c).

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 (8810c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the individual customer group (8815c), and stores and registers the checked profitability information in the server storage medium 8730 (8820c).

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. 88d, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (8800d).

Here, the ledger information preferably refers to customer information, which is stored and registered in the ledger D / B of the securities system 7638, and new securities 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 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 security system 7638 (8805d).

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. 88d, only the portion of the individual customer group is processed. (8810d).

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (8815d), and stores and registers the checked profitability information in the server storage medium 8730 (8820d).

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. 88E, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (8800e).

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 stock system 7638.

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 currency 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.

In addition, the futures option preferably means an option in which the delivery month is standardized for three month transactions, such as March, June, September, and 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.

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the security system 7638 (8805e).

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. 88e, only the portion of the individual customer group is processed. (8810e).

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (8815e), and stores and registers the checked profitability information in the server storage medium 8730 (8820e).

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.

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

In more detail, the drawing 89 shows customer information (eg, social security number, customer name, etc.) and one or more securities product information (eg, securities savings, beneficiary certificates, tax treatment) for calculating profitability of the PB 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. God A system for calculating profitability for PB customers by receiving securities derivatives information from the securities system 7638, extracting information corresponding to the PB customer group, checking information on the PB customer group from the extracted information As the internal configuration of the present invention, those of ordinary skill in the art to which the present invention pertains will be able to infer various implementation methods of the system for calculating the profitability of the PB customer group with reference to FIG. Is not limited to this figure 89 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 currency 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.

In addition, the futures option preferably means an option in which the delivery month is standardized for three month transactions, such as March, June, September, and 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 7638 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 details for a predetermined period associated with the customer information. 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 from the securities system 7638 to extract the profitability of the PB customer group according to the customer information. It is preferable to check the method, and those skilled in the art to which the present invention pertains, refer to the drawing 89, the cost for the employee in charge of the PB customer in the method of confirming the profitability of the PB customer group (for example, Various information for calculating profitability of PB customer group such as employee wage, etc. can be added. Cows omitted because it was not used in calculating profitability city.

Here, the information on the required cost of the employee preferably refers to costs such as direct costs and indirect costs for the employee who sells a product containing at least one securities product or securities derivatives 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 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 Figure 89, the PB customer group profitability calculation server, an information receiving unit 8900 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the securities system (7638), the ledger An information extraction unit 8905 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 8910 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 8515 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 8920 (or information storage means) for storing the profitability calculation information in the D / B Characterized in that made.

Here, the ledger D / B is a D / B provided in the securities system 7738, 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 8900 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 security system 7638 includes information including at least one transaction history information, or at least one new securities product information linked to the customer information, or at least one new securities derivatives information linked to the customer information. The ledger information is received from the ledger D / B in association with the alien and provided to the information extraction unit 8905.

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 7638 in order to calculate profitability for the PB customer group. Do.

According to the exemplary embodiment of the present invention, the information extractor 8905 extracts information about the PB customer from the customer information received from the information receiver 8900 and one or more securities product information associated with the customer information. The information verification unit 8910 may be provided to the identification unit 8910 or the PB customer may be extracted from the customer information received from the information receiving unit 8900 or one or more securities derivatives information associated with the customer information. Or extract information about the PB customer from the customer information received from the information receiving unit 8900 and transaction history information for a predetermined period associated with the customer information and provide the information to the information checking unit 8910. Or extracting information on the PB customer from the customer information received from the information receiving unit 8900 or one or more new security product information associated with the customer information. The information is confirmed by extracting information about a PB customer from the customer information received from the information receiving unit 8910 or the one or more new securities derivatives information associated with the customer information. Provided to section 8910.

According to the exemplary embodiment of the present invention, the information checking unit 8910 may identify the PB customer from the information on the PB customer in the customer information extracted from the information extraction unit 8905 and one or more securities product information associated with the customer information. The PB customer from the information on the PB customer from the customer information extracted from the information extraction unit 8905 or one or more securities derivatives information linked to the customer information. The PB customer from the information on the customer information extracted from the information extraction unit 8905 or the transaction history information for a predetermined period associated with the customer information. P of the at least one new securities product information provided to the profitability calculation unit 8915 or the customer information extracted by the information extraction unit 8905 and the customer information. B customer is identified and provided to the profitability calculation unit 8515, or PB customers are identified from the customer information extracted from the information extraction unit 8905 or one or more new securities derivatives information linked to the customer information. The profitability calculation unit 8915 is provided.

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

The profitability calculation unit 8915 may be a stock product profitability information for the PB customer provided by the information confirmation unit 8910, or a stock derivative product profitability information for the PB customer, or a transaction profitability information for the PB customer, or a PB customer. 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 8920.

According to the implementation method of the present invention, the profitability calculation unit 8915 is based on the securities product information for the PB customer, the profits from securities savings, the profits from beneficiary certificates, the profits from tax preferential savings, repurchase agreement 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 It is characterized by calculating profitability information 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 commercial paper bills, withdrawal fees for certificates of deposit, handling fees by wrap accounts, repayment fees by bond funds, handling fees by bond funds, repurchase fees by mixed funds, 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 8915 may 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 8915 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 8915 may be based on the new securities product information of the PB customer, the profits from securities savings, the profits from beneficiary certificates, the profits from tax preferential savings, the profits from redemption bonds, and corporate bills. 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 8915 may calculate profitability information, including profits from financial futures, from the new securities derivatives information of 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 an exemplary embodiment of the present invention, the information storage unit 8920 stores the profitability information provided by the profitability calculation unit 8915 in a D / B provided in the PB customer group profitability calculation server, or the profitability calculation unit 8915. 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 7638 provides the ledger information to the PB customer group profitability calculation server in connection with the ledger D / B in the securities system 7638 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 Figure 87, it is omitted.

In addition, the ledger information for the ledger D / B of the securities system 7638 has more information than the information shown in the ledger D / B of the securities system 7638 shown in Figure 89, but for calculating the profitability of the PB customer group Only information is shown.

Figure 90 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, Fig. 90 shows the ledger information from the ledger D / B of the stock system 7638 shown in Fig. 87, and the five conditions of the PB customer group through the PB customer group profitability calculation server shown in Fig. 89. 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 90, and all implementations inferred above. It includes a method.

Hereinafter, in FIG. 90, the PB customer group profitability calculation server shown in FIG. 89 is referred to as "server" for convenience.

Referring to FIG. 90A, the server accesses the securities system 7738 through a predetermined communication network and requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9000a).

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 7638.

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 7638 (9005a).

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. 9010a.

Thereafter, the server checks the profitability information of the securities product corresponding to the PB customer group (9015a), and stores and registers the confirmed profitability information in the server storage medium 8930 (9020a).

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 fees by bonds, handling fees by commercial paper bills, withdrawal fees for negotiable deposit certificates, handling fees by wrap accounts, repayment fees by bond funds, handling fees by bond funds, repurchase fees by mixed funds, 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. 90b, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7738 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9000b).

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 7638.

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 currency 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.

In addition, the futures option preferably means an option in which the delivery month is standardized for three month transactions, such as March, June, September, and 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 security system 7638 (9005b).

If information about groups other than the PB customer group is extracted from the securities derivatives information, processing is performed by referring to the other drawings shown in the present invention according to each group. Process 9010b.

Thereafter, the server checks the profitability information of the securities derivatives corresponding to the PB customer group (9015b), and stores and registers the confirmed profitability information on the server storage medium 8930 (9020b).

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. 90c, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9000c).

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 security system 7638.

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 securities system 7638 (9005c).

If information on groups other than the PB customer group is extracted from the securities derivatives information, processing is performed by referring to the other drawings shown in the present invention according to each group. Process (9010c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the PB customer group (9015c), and stores and registers the confirmed profitability information in the server storage medium 8930 (9020c).

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. 90D, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9000d).

Here, the ledger information preferably refers to customer information, which is stored and registered in the ledger D / B of the securities system 7638, and new securities 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 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 7638 (9005d).

If information on 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. (9010d).

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (9015d), and stores and registers the confirmed profitability information in the server storage medium 8930 (9020d).

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 the potential commission income, potential commission income from the stock-linked securities.

Referring to FIG. 90e, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9000e).

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 stock system 7638.

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 currency 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.

In addition, the futures option preferably means an option in which the delivery month is standardized for three month transactions, such as March, June, September, and 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 security system 7638 (9005e).

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. 9010e.

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (9015e), and stores and registers the checked profitability information in the server storage medium 8930 (9020e).

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.

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

More specifically, Figure 91 shows customer information (e.g., social security number, customer name, etc.), one or more securities product information (e.g., securities savings, beneficiary certificates, tax incentives) in order to calculate the 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 linked with the customer information; More than A system for calculating profitability for a special customer by receiving new securities derivatives information from the securities system 7638, extracting information corresponding to the special customer group, and confirming the information on the special customer group from the extracted information. As the internal configuration of the present invention, those of ordinary skill in the art to which the present invention pertains will be able to infer various implementation methods of the system for calculating the profitability of the special customer group with reference to FIG. Is not limited to this drawing 91 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 currency 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.

In addition, the futures option preferably means an option in which the delivery month is standardized for three month transactions, such as March, June, September, and 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 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. Profit calculation of special customer group to calculate profitability of special customer group, which includes at least one or more profitability calculation of new securities product or new securities derivatives of special customer group. A securities system 7638 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 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 associated with the customer information, or one or more new securities derivatives information associated with the customer information from the securities system 7638. If a person having ordinary knowledge in the field to which the present invention belongs, the cost for the employee in charge of the special customer in the method of confirming the profitability of the special customer group with reference to FIG. Various information can be added to calculate the profitability of special customer groups such as wages, etc. Elements of the cost will be omitted because it was not used in calculating profitability city.

Here, the information on the required cost of the employee preferably refers to costs such as direct costs and indirect costs for the employee who sells a product containing at least one securities product or securities derivatives 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 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. 91, the special customer group profitability calculation server includes an information receiver 9100 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the securities system 7638. An information extraction unit 9305 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 9110 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation unit (9115) (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 9120 (or information storage means) for storing the profitability calculation information in the D / B Characterized in that made.

Here, the ledger D / B is a D / B provided in the securities system 7738, and the ledger D / B includes customer information, securities product information, securities derivatives information, and transaction details necessary for calculating profitability for a special customer group. It is preferable to include information.

According to an embodiment of the present invention, the information receiving unit 9100 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 security system 7638 includes information including at least one transaction history information, or at least one new securities product information linked to the customer information, or at least one new securities derivatives information linked to the customer information. The ledger information is received from the ledger D / B in association with the alien and provided to the information extraction unit 9305.

Here, the ledger information preferably includes customer information, securities product information, securities derivatives information, and transaction history information requested by the securities system 7638 from the special customer group profitability calculation server to calculate profitability for the special customer group. Do.

According to the exemplary embodiment of the present invention, the information extracting unit 9905 extracts information on a special customer from one or more securities product information associated with the customer information and the customer information received by the information receiving unit 9100 and the information. The information confirmation unit 9110 may be provided to the identification unit 9110 or the information about the special customer may be extracted from the customer information received from the information receiving unit 9100 or one or more securities derivatives information associated with the customer information. Or extract information about a special customer from the customer information received from the information receiving unit 9100 and transaction history information for a predetermined period associated with the customer information and provide the information to the information checking unit 9110. Or, the information on the special customer from the customer information received from the information receiving unit 9100, at least one new securities product information associated with the customer information is added. Export information provided to the information checking unit 9110 or the customer information received from the information receiving unit 9100 or 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 9110.

According to the exemplary embodiment of the present invention, the information checking unit 9110 identifies the special customer in the customer information extracted by the information extracting unit 9905 and the 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 extraction unit 9151 or the profit extraction unit 9151 By providing to the profitability calculation unit 9151 or by checking the special customer from the information on the customer information extracted from the information extraction unit 9905 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 9315 or extracted from the information extraction unit 9905. Identify the special customer in the product information and provide it to the profitability calculation unit 9115 or the special customer in the one or more new securities derivatives information linked to the customer information and the customer information extracted by the information extraction unit 9315 Check and provide to the profitability calculation unit 9115.

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

* The profitability calculation unit 9115 may be a securities product profitability information for the special customer provided by the information verification unit 9110, or securities derivatives profitability information for the special customer, or transaction profitability information for the special customer, or special The special customer profitability is calculated in connection with the profitability information for the special customer including at least one new securities product profitability information for the customer or the new securities derivatives profit information for the special customer. Providing customer information and profitability information for the special customer to the information storage unit 9120.

According to the implementation method of the present invention, the profitability calculation unit 9115 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, the repurchase condition debts Revenue, Receipts by Commercial Paper, Receipts by Transferable Deposit Certificates, Revenues by Wrap Accounts, Revenues by Bond Funds, Revenues by Mixed Funds, Revenues by Box Funds, by Stock-linked Securities, by 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 fees by bonds, handling fees by commercial paper bills, withdrawal fees for negotiable deposit certificates, handling fees by wrap accounts, repayment fees by bond funds, handling fees by bond funds, repurchase fees by mixed funds, 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 calculating unit 9315 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 calculator 9315 may calculate profitability information such as profits due to securities transactions.

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 9315 is based on the newly registered securities product information of the special customer, 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.

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 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 9151 may calculate 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 9120 stores the profitability information provided by the profitability calculation unit 9115 in a D / B provided in the special customer group profitability calculation server, or the profitability calculation unit 9115 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 7638 is linked to the special customer group profitability calculation server, and the ledger information is linked to the ledger D / B inside the securities system 7638 to the special customer group profit calculation server. It provides a function for providing, and since the detailed description of the internal configuration has been described with reference to Figure 87, it is omitted.

In addition, the ledger information for the ledger D / B of the securities system 7638 has more information than the information shown in the ledger D / B of the securities system 7638 shown in Figure 91, Only information is shown.

Figure 92 shows the securities product profitability information for special customers, the profitability of securities derivatives for special customers, transaction profitability information for special customers, and 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.

More specifically, the drawing 92 takes the ledger information from the ledger D / B of the stock system 7638 shown in the drawing 87, and the five conditions of the special customer group through the special customer group profitability calculation server shown in drawing 91. 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. It relates to the process of calculating the profitability information for the information, and storing and registering the calculated profitability information in the D / B of the special customer group profit calculation server, if the person having ordinary knowledge in the field of the present invention, this figure 92 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 drawing 92 , It includes all embodiments wherein the method of inference.

Hereinafter, in FIG. 92, the special customer group profitability calculation server shown in FIG. 91 is referred to as "server" for convenience.

92A, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9200a).

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 7638.

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 special customer group from the ledger information provided from the security system 7638 (9205a).

If information about groups other than the special 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 FIG. (9210a).

Thereafter, the server checks the profitability information of the securities product corresponding to the special customer group (9215a), and stores and registers the checked profitability information on the server storage medium 9130 (9220a).

Herein, the securities product profitability information of the securities product information for the special customer includes the profits from the deposit operation for securities savings, the handling charges from the beneficiary securities, the profits from the deposit operation for the combined tax savings, and the redemption condition debt. Handling charges by companies, handling charges by commercial paper, withdrawal 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, 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.

92B, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9200b).

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 7638.

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 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 currency 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.

In addition, the futures option preferably means an option in which the delivery month is standardized for three month transactions, such as March, June, September, and 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 security system 7638 (9205b).

If information on groups other than the special 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 (9210b).

Thereafter, the server checks the securities derivatives profitability information corresponding to the special customer group (9215b), and stores and registers the checked profitability information on the server storage medium 9130 (9220b).

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.

92C, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9200c).

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 security system 7638.

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 7638 (9205c).

If information on groups other than the special customer group is extracted from the securities derivatives information, the process is referred to according to the different drawings shown in the present invention according to each group, and in FIG. Process (9210c).

Thereafter, the server checks profitability information of transaction details corresponding to the special customer group (9215c), and stores and registers the checked profitability information in the server storage medium 9130 (9220c).

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.

92D, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9200d).

Here, the ledger information preferably refers to customer information, which is stored and registered in the ledger D / B of the securities system 7638, and new securities 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 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 7638 (9205d).

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. 92d, only the part of the special customer group is processed. (9210d).

Thereafter, the server checks the profitability information of the account corresponding to the special customer group (9215d), and stores and registers the checked profitability information in the server storage medium 9130 (9220d).

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.

92E, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9200e).

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 stock system 7638.

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 currency 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.

In addition, the futures option preferably means an option in which the delivery month is standardized for three month transactions, such as March, June, September, and 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 security system 7638 (9205e).

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. 92e, only the part of the special customer group is processed. (9210e).

Thereafter, the server checks the profitability information of the account corresponding to the special customer group (9215e), and stores and registers the checked profitability information in the server storage medium 9130 (9220e).

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 93 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 93 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) for calculating profitability of the corporate 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 corporate customer by receiving new securities derivatives information from the securities system 7638, 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 FIG. Is not limited to this figure 93 and includes all the inferred implementation methods.

The customer information may include at least one of information such as a social security number, a customer information file (CIF), a customer name, a landline phone number, and a wireless phone number.

In addition, the 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 currency 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.

In addition, the futures option preferably means an option in which the delivery month is standardized for three month transactions, such as March, June, September, and 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 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.

According to the implementation method of the present invention, the profitability calculation system of the corporate customer group, the profitability calculation for the securities products of the enterprise customer group, or the profitability calculation for the securities derivatives, or the profitability calculation by the transaction history of the corporate customer group for a certain period of time. Calculation of corporate client group profitability for calculating profitability of corporate client group which includes at least one calculation of profitability of joining new securities products or new securities derivatives of corporate client group, or branch (or branch) of financial institution And a securities system 7638 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 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 7638. If a person having ordinary knowledge in the field to which the present invention belongs, the cost for the employee in charge of the enterprise customer (e.g., the employee Various information can be added to calculate the profitability of the corporate customer group, such as wages, etc. Elements of the cost will be omitted because it was not used in calculating profitability city.

Here, the information on the required cost of the employee preferably refers to costs such as direct costs and indirect costs for the employee who sells a product containing at least one securities product or securities derivatives 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 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. 93, the corporate customer group profitability calculation server includes an information receiver 9300 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the securities system 7638. An information extracting unit 9305 (or information extracting means) for extracting necessary information from the information received from the D / B, an information confirming unit 9310 (or information verifying means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 9315 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 9320 (or information storage means) for storing the profitability calculation information in the D / B Characterized in that made.

Here, the ledger D / B is a D / B provided in the securities system 7638, 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 9300 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. Information including at least one or more of transaction history information, or at least one new securities product information linked to the customer information, or at least one new securities derivatives information linked to the customer information for a period of time. The ledger information is received from the ledger D / B in association with an external system and provided to the information extraction unit 9305.

Here, the ledger information preferably includes customer information, securities product information, securities derivatives information, and transaction history information requested by the securities system 7638 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 9305 extracts information on a corporate customer from the customer information received from the information receiving unit 9300 and one or more securities product information associated with the customer information. The information confirmation unit 9310 may be provided to the identification unit 9310 or the information about the corporate customer may be extracted from the customer information received from the information receiving unit 9300 or one or more securities derivatives information associated with the customer information. Or extract information about a corporate customer from the customer information received from the information receiving unit 9300 and transaction history information for a predetermined period associated with the customer information and provide the information to the information checking unit 9310. Or, the information on the corporate customer from the customer information received from the information receiving unit 9300, one or more new securities product information associated with the customer information The information about the corporate customer by providing the information to the identification unit 9310 or the one or more new securities derivatives information associated with the customer information and the customer information received by the information receiving unit 9300; Provided to the identification unit 9310.

According to an embodiment of the present invention, the information confirming unit 9310 confirms the corporate customer from the information on the corporate customer from the customer information extracted from the information extracting unit 9305 and one or more securities product information associated with the customer information. The corporate customer from the information on the corporate customer in the one or more securities derivatives information linked to the customer information or the customer information extracted from the information extraction unit 9315 or the information extraction unit 9315 The corporate customer by checking the customer information extracted from the information extracting unit 9315 or the transaction history information for a predetermined period associated with the customer information. One or more new securities provided to the profitability calculation unit 9315 or extracted from the information extraction unit 9305 or the customer information. The corporate customer may be identified from the product information and provided to the profitability calculation unit 9315 or the customer information extracted from the information extraction unit 9305 or one or more new securities derivatives information linked to the customer information. Check and provide to the profitability calculation unit 9315.

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

The profitability calculation unit 9315 may be a securities product profitability information for a corporate customer provided by the information verification unit 9310, a securities derivatives profit information for a corporate customer, or a transaction profitability information for a corporate customer, or a corporate customer. 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 9320.

According to the implementation method of the present invention, the profitability calculation unit 9315 is based on the securities product information for the corporate customer, the profits from securities savings, the profits from beneficiary securities, the profits from tax preferential savings, 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 It is characterized by calculating profitability information 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 fees by bonds, handling fees by commercial paper bills, withdrawal 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, and mixed funds It is preferable 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 9315 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 9315 may 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 9315 is based on the newly registered securities product information of the corporate customer, revenues from securities savings, profits from beneficiary certificates, profits from comprehensive tax savings, profits from repurchase agreements, 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 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 9315 may calculate profitability information, including profits from financial futures, from the securities derivatives information newly registered by the corporate customer.

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 an embodiment of the present invention, the information storage unit 9320 stores the profitability information provided by the profitability calculation unit 9315 in a D / B provided in the corporate customer group profitability calculation server, or the profitability calculation unit 9315 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 7638 provides the ledger information to the corporate customer group profitability calculation server in association with the ledger D / B in the securities system 7638 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 87, it is omitted.

In addition, the ledger information for the ledger D / B of the securities system 7638 has more information than the information shown in the ledger D / B of the securities system 7638 shown in Figure 93, Only information is shown.

Figure 94 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 information 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 corporate customers, which includes at least one of the profitability information of securities products and the profitability information of new securities derivatives for the business customers.

More specifically, the drawing 94 obtains the ledger information from the ledger D / B of the stock system 7638 shown in the drawing 87, and the five conditions of the corporate customer group through the corporate customer group profitability calculation server shown in drawing 93. 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. If a person having ordinary knowledge in the field to which the present invention belongs, FIG. Although various implementation methods of the system for calculating profitability of the corporate customer group may be inferred, the present invention is not limited to the drawing 94. And all implementation methods inferred above.

In Figure 94, the corporate customer group profitability calculation server shown in Figure 93 is referred to as &quot; server &quot; for convenience.

Referring to FIG. 94A, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9400a).

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 7638.

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 the information corresponding to the corporate customer group from the ledger information provided from the security system 7638 (9405a).

If the information on the group 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. 94a, only the portion of the corporate customer group is processed. (9410a).

Thereafter, the server checks the profitability information of the securities product corresponding to the corporate customer group (9415a), and stores and registers the confirmed profitability information in the server storage medium 9130 (9420a).

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 fees by bonds, handling fees by commercial paper bills, withdrawal fees for negotiable deposit certificates, handling fees by wrap accounts, repayment fees by bond funds, handling fees by bond funds, repurchase fees by mixed funds, 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. 94B, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9400b).

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 7638.

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 currency 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.

In addition, the futures option preferably means an option in which the delivery month is standardized for three month transactions, such as March, June, September, and 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 7638 (9405b).

If information on groups other than the corporate 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 (9410b).

Thereafter, the server checks the profitability information of the securities derivatives corresponding to the corporate customer group (9415b), and stores and registers the confirmed profitability information in the server storage medium 9330 (9420b).

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. 94C, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9400c).

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 stock system 7638.

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 corporate customer group from the ledger information provided from the securities system 7638 (9405c).

If information on groups other than the corporate 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 (9410c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the corporate customer group (9415c), and stores and registers the checked profitability information on the server storage medium 9330 (9420c).

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. 94D, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9400d).

Here, the ledger information preferably refers to customer information, which is stored and registered in the ledger D / B of the securities system 7638, and new securities 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 securities product information, such as securities savings, beneficiary certificates, comprehensive tax savings, repurchase agreements (RP), commercial paper (CP), certificate of deposit (CD) Information about accounts with clients such as bank accounts, bond accounts, bond funds, mixed funds, Exchange Traded Fund (ETF), Equity Linked Securites (ELS), Money Market Funds (MMF), etc. It is preferable to include at least one.

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the securities system 7638 (9405d).

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 FIG. 94d, only the portion of the corporate customer group is processed. (9410d).

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (9415d), and stores and registers the confirmed profitability information in the server storage medium 9330 (9420d).

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 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 preferable to include at least one or more of the potential commission income, potential commission income from the stock-linked securities.

Referring to FIG. 94E, the server accesses the securities system 7638 through a predetermined communication network, requests the server to provide the ledger information of the securities system 7638 ledger D / B for the profitability calculation. In response, the security system 7638 provides the ledger information of the ledger D / B to the server (9400e).

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 stock system 7638.

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 currency 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.

In addition, the futures option preferably means an option in which the delivery month is standardized for three month transactions, such as March, June, September, and 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 7738 (9405e).

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 FIG. 94e, only the portion of the corporate customer group is processed. (9410e).

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (9415e), and stores and registers the confirmed profitability information in the server storage medium 9330 (9420e).

Here, the new securities derivatives profitability information of the new corporate securities derivatives information, such as 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.

95 is a securities individual customer group profitability calculation server (7623), securities PB customer group profitability calculation server (7626), securities special customer group profitability calculation server (7629), securities corporate customer group profitability calculation server according to the embodiment of the present invention A system configuration for storing validity and valid profitability information received from profitability information (7632) is shown.

In more detail, Figure 95 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 Profitability calculation server (7623), securities PB customer group profitability server (7626), securities special customer group profitability calculation server (7629), securities corporate customer group profitability calculation server (7632), 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 securities integration with reference to the drawing 95, but the present invention Not limited to the figure 95, 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), withdrawal fees for 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.

In addition, the futures option preferably means an option in which the delivery month is standardized for three month transactions, such as March, June, September, and 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 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 (7635) to calculate integrated profitability information, profitability information is calculated by linking profitability information of individual customer groups with the securities system (7638) to provide the profitability information to the securities integrated customer profit calculation server (7635) Securities PB Customer Group that provides profitability information to the Securities Integrated Customer Profitability Calculation Server (7635) by calculating profitability by linking the profitability information server (7623) and the profitability information of the PB customer group to the securities system (7638). Profitability calculation server (7626) and profitability information of special customer groups are linked with the securities system (7638) to calculate profitability Securities special customer group profitability calculation server (7629) that provides profitability information to customer profit calculation server (7635), securities integrated customer profit calculation server by calculating profitability by linking profitability information of corporate customer group with securities system (7638) 7635), at least one financial transaction (eg, through a face-to-face or non-face-to-face financial transaction channel provided at a branch (or branch) of a financial institution) that provides profitability information to the securities corporate customer group. It is characterized in that it comprises a security system (7638) for providing credit, receiving, currency exchange, foreign exchange transfer, financial investment, etc.) services.

The securities integrated customer profit calculation server 7635 is a customer information, profitability information associated with the customer information securities individual customer group profit calculation server (7623), securities PB customer group profitability calculation server (7626), securities special customer group Profitability calculation server (7629), securities corporate customer group Profitability calculation server (7632) is provided, the method for checking the individual customer group profitability, PB customer group profitability, special customer group profitability, corporate customer group profitability according to the customer information Preferably, those skilled in the art to which the present invention pertains, securities such as expenses (e.g., employee wages, etc.) for the employee in charge of the customer in a method of confirming the profitability of securities integration with reference to the drawing 95 Although various information for integrated profitability calculation can be added, in this drawing 95, the factor of employee's cost is not used for profitability calculation. Omit.

In this case, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells the fund product to the customer.

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

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

The securities integration customer profit calculation server 7635 includes 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 saving the profitability calculation results for each group. It is linked through.

Referring to FIG. 95, the securities integrated customer profit calculation server 7635 receives customer information of an individual customer group and personal customer group profitability information associated with the customer information from the securities individual customer group profitability calculation server 7623. Or receiving the customer information of the PB customer group, the PB customer group profitability information associated with the customer information from the securities PB customer group profitability calculation server 7626, or the special customer group from the securities special customer group profitability calculation server 7629. Receiving 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 7632 Information receiving unit 9500 (or information receiving means) comprising at least one function for receiving, the securities individual customer group profitable Information checking unit 9510 for checking the information received from the server (7623), securities PB customer group profitability calculation server (7626), securities special customer group profitability calculation server (7629), securities corporate customer group profitability calculation server (7632) (Or information confirmation means), and the information storage unit 9520 (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 9500 may include customer information, profitability information associated with the customer information, the securities individual customer group profitability calculation server 7623, the securities PB customer group profitability calculation server 7762, and the securities specialty. The customer group profitability calculation server 7629 and the securities corporate customer group profitability calculation server 7632 are provided to the information verification unit 9510.

According to the exemplary embodiment of the present invention, the information confirming unit 9510 checks the individual customer group in the customer information received from the information receiving unit 9500 and the profitability information associated with the customer information. Or the PB customer group in the customer information received from the information receiving unit 9500, the profitability information associated with the customer information, and providing the PB customer group to the information storage unit 9520, or the information receiving unit The special customer group is identified in the customer information received at 9500 and the profitability information associated with the customer information and provided to the information storage unit 9520 or the customer information received at the information receiving unit 9500. In addition, the corporate customer group is identified from the profitability information associated with the customer information and provided to the information storage unit 9520.

According to an exemplary embodiment of the present invention, the information storage unit 9520 may generate profitability information of the individual customer group, the PB customer group, the special customer group, and the corporate customer group provided by the information receiving unit 9500. 7635 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 confirmation unit 9510. 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 7623 receives the ledger information from the ledger D / B in the securities system 7638 in connection with the securities systems 7738 and 7738. It provides a function for calculating the profitability of the group, and since the detailed description of the internal configuration has been described with reference to FIG.

According to the implementation method of the present invention, the PB customer group profitability calculation server 7726 receives the ledger information from the ledger D / B in the securities system 7738 in connection with the securities systems 7738 and 7738. It provides a function for calculating the profitability of the group, the detailed description of the internal configuration has been described with reference to Figure 89, it will be omitted.

According to the implementation method of the present invention, the special customer group profitability calculation server 7629 is provided with the ledger information from the ledger D / B in the securities system (7638) in connection with the securities system (7638) (7638) It provides a function for calculating the profitability of the group, and since the detailed description of the internal configuration has been described with reference to FIG.

According to the implementation method of the present invention, the securities corporate customer group profitability calculation server 7632 receives the ledger information from the ledger D / B in the securities system (7638) in connection with the securities system (7638) (7638) It provides a function for calculating the profitability of the group, and since the detailed description of the internal configuration has been described with reference to FIG.

According to the implementation method of the present invention, the securities system 7638 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 bank system 7618 ) 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 internal ledger D / B. The detailed description of the internal configuration has been described with reference to FIG. 87, and thus not shown.

In addition, the ledger information for the ledger D / B of the securities system 7638 includes more information than the information shown in the ledger D / B of the securities system 7638 shown in FIG. 95, 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.

96 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. 96 shows individual customer group profitability information from the D / B of the securities individual customer group profitability calculation server 7623 shown in FIG. 77, or the PB customer group profitability calculation server 7762 shown in FIG. PB customer group profitability information from D / B), or special customer group profitability information from D / B of the securities special customer group profit calculation server 7629 shown in FIG. 81, or the securities corporate customer shown in FIG. The corporate customer group profitability information is obtained from the D / B of the group profitability calculation server 7624 and the four groups (individual customer group, PB customer group, special group) are obtained through the integrated security profitability calculation server 7635 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 integrated customer profit calculation server (7635), the present invention belongs to 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 96, but the present invention is not limited to the drawing 96, all the inference method It includes.

Hereinafter, in FIG. 96, the security integrated customer profit calculation server 7635 shown in FIG. 95 is referred to as "server" for convenience.

Referring to FIG. 96a, the server accesses the securities individual 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 (9600a). .

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.

The securities derivatives profitability information may include at least one handling fee for trading the foreign exchange product, a handling fee for derivatives, a handling fee for securities, or a handling fee for ancillary services. Do.

In addition, the foreign exchange product is preferably meant for import and export trading products such as lactic acid.

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

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

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

In addition, the 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 7623 (9605a).

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. 96a, only the portion of the individual customer group is processed. (9610a).

Thereafter, the server stores and registers the profitability information of the identified individual customer group in the server storage medium 9930 (9615a).

Referring to FIG. 96b, the server accesses the security PB customer group profitability calculation server 7726 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (9600b).

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, the foreign exchange product is preferably meant for import and export trading products 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 stock PB customer group profitability calculation server 7726 (9605b).

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. 96B, only the portion of the PB customer group is processed. (9610b).

Thereafter, the server stores and registers the profitability information of the identified PB customer group in the server storage medium 9930 (9615b).

Referring to FIG. 96c, the server accesses the stock special customer group profitability calculation server 7629 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (9600c).

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, the foreign exchange product is preferably meant for import and export trading products 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 of the potential interest income to borrow and deposit interest, or the potential operating income from the savings management of the new deposit securities product, or the 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 7629 (9605c).

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. 96c, only the part of the special customer group is processed. (9610c).

Thereafter, the server stores and registers the profitability information of the identified special customer group in the server storage medium 9930 (9615c).

Referring to FIG. 96d, the server connects to the securities corporate customer group profitability calculation server 7632 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (9600d).

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.

The securities derivatives profitability information may include at least one handling fee for trading the foreign exchange product, a handling fee for derivatives, a handling fee for securities, or a handling fee for ancillary services. Do.

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 of the potential interest income to borrow and deposit interest, or the potential operating income from the savings management of the new securities securities, or the potential loan interest income on the new loan securities. .

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 7732 (9605d).

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. 96d, only the portion of the corporate customer group is processed. (9610d).

Thereafter, the server stores and registers the confirmed profitability information of the corporate customer group in the server storage medium 9930 (9615d).

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

More specifically, Figure 97 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) linked to 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 7658 to extract information corresponding to individual customer groups, 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 you have ordinary knowledge in the field of the present invention, with reference to this figure 97 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 97, but the inference Includes all 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 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 7658 for providing at least one financial transaction (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. It is preferable to extract one or more new fund product information associated with the information from the transmission system 7584, and to determine the profitability of the individual customer group according to the customer information, and has a general knowledge in the field to which the present invention belongs. If so, referring to this drawing 97, a variety of information for calculating the profitability of the individual customer group, such as the expenses (e.g., employee wages) for the employee in charge of the individual customer, can be added to the method of checking the profitability of the individual customer group. However, in FIG. 97, the factor of the employee's cost is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to the costs such as direct costs and indirect costs for the employee who sells the product, such as a fund product to the customer to the customer or operates the fund.

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 server and a communication network having a D / B for storing profitability calculation results for individual customers or a D / B for storing profitability calculation results for individual customers. It is linked through.

Referring to FIG. 97, the personal customer group profitability calculation server comprises: an information receiving unit 9700 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the transmission system 7658; An information extraction unit 9705 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 9710 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation section (9715) (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit (9720) (or information storage means) for storing the profitability calculation information in the D / B Characterized in that made.

Here, the ledger D / B is a D / B provided in the transmission system 7584, 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 9700 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 of the transmission system 7586 and provided to the information extraction unit 9707.

Here, the ledger information preferably includes customer information and fund product information requested from the individual customer group profitability calculation server to the transmission system 7584 to calculate profitability for the individual customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 9905 may include the customer information received from the information receiving unit 9700, 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 checking unit 9710.

According to an exemplary embodiment of the present invention, the information checking unit 9710 may include the customer information extracted by the information extracting unit 9705, 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 provided to the profitability calculation unit 9715.

The profitability calculation unit 9715 calculates individual customer profitability in connection 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 9710. The calculated personal customer information and profitability information of the personal customer are provided to the information storage unit 9720.

According to an embodiment of the present invention, the profitability calculation unit 9715 may calculate profitability information including profits from 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-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 9715 may calculate profitability information including profits based on new fund product information for the individual customer.

Here, the new fund product profitability information on the new fund product information for the individual customer may include potential operating fee income by maritime fund, potential operating fee income by equity fund, potential operating fee income by bond fund, and mixed fund It is preferable to include at least one of the potential operating fee revenue by the MMF, the potential operating fee revenue by the MMF, the potential operating fee revenue by the derivatives.

According to the method of the present invention, the transmission system 7584 is connected to at least one or more window terminals provided at branches (and / or branch offices) of the transmission organization through a predetermined transmission network (eg, 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 7584 may include at least one transmission terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or branch) of the transmission organ, and / or with 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 7658 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 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 7584 is associated with a predetermined wireless banking server, and through a wireless banking server, a predetermined wireless network (for example, a CDMA (Code Division Multiple Access) based mobile communication network, and / or 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 7584 may be connected to a predetermined IC chip-based wireless banking server, and may be 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 7658 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 trust transaction service to at least one trust transaction customer through a GSM terminal and / or a smartphone).

In addition, the transmission system 7658 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 7658 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. 76, the trust system 7658 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. The computer system includes an account system that handles window services such as fund product purchases, fund product expiration processing, and fund product mid-market repurchases occurring in at least one branch (or counter), processing of headquarters operations, branch office information support, and customer information management. At least one non-face-to-face provided in the information system for processing the interconnection system, the interconnection system 7658 and at least one other communication system 7658 (and / or payment system), and / or at least one external communication network. Trust trading means (e.g., Internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) And an external system that provides access to the transmission system 7764 and / or provides various transmission transaction interfaces through at least one or more common networks (eg, CD common network, transmission common network). The transmission system 7584 requires an interface module corresponding to a middleware platform that provides inter-component interfacing within the transmission system 7584, and a requirement for performing each function in the components in the transmission system 7584. And a DBMS (DataBase Management System) including at least one or more databases for storing and managing predetermined information (eg, ledger information, and / or customer information, and / or management information). .

In addition, the transmission system 7658 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 7658 and the transmission system 7658. 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 it will be understood the detailed technical details of (7658), the detailed description thereof is omitted for convenience, and thereby the present invention is not limited.

In addition, the ledger information of the ledger D / B of the trust system 7658 has more information than the information shown in the ledger D / B of the trust system 7658 shown in Figure 97, but for calculating the individual customer group profitability Only information is shown.

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

More specifically, FIG. 98 shows the ledger information from the ledger D / B of the transmission system 7658 shown in FIG. 97, and the two conditions of the individual customer group through the personal customer group profitability calculation server shown in FIG. 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 As related to 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 this drawing 98. It includes, but is not limited to, all the methods of inferred above.

Hereinafter, in FIG. 98, the individual customer group profitability calculation server shown in FIG. 97 is referred to as "server" for convenience.

Referring to FIG. 98A, the server accesses the communication system 7584 through a predetermined communication network, requests the server to provide ledger information of the communication system 7584 ledger D / B for the profitability calculation. Correspondingly, the transmission system 7658 provides ledger information of the ledger D / B to the server (9800a).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the transmission system 7658, 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, 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 the information corresponding to the individual customer group from the ledger information provided from the transmission system 7658 (9805a).

If information about groups other than the individual customer group is extracted from the fund product information, the processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 98a, only the portion of the individual customer group is processed. (9810a).

Thereafter, the server checks the profitability information of the securities product corresponding to the individual customer group (9815a), and stores and registers the checked profitability information in the server storage medium 9930 (9820a).

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. 98B, the server accesses the communication system 7584 through a predetermined communication network, requests the server to provide ledger information of the communication system 7584 ledger D / B for the profitability calculation. Correspondingly, the transmission system 7658 provides ledger information of the ledger D / B to the server (9800b).

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 7658.

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 individual customer group from the ledger information provided from the transmission system 7658 (9805b).

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. 98d, only the portion of the individual customer group is processed. (9810b).

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (9815b), and stores and registers the checked profitability information in the server storage medium 9930 (9820b).

Herein, the new fund product profitability information for the new fund product information for the individual customer is based on the potential management fee income by the maritime fund, the potential management fee income by the equity fund, the potential management 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.

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

More specifically, Figure 99 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) linked to 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 investment system 7658 to extract information corresponding to the PB customer group, and to extract the extracted information. Checking the information on the PB customer group from the information, showing the internal configuration of the system for calculating the profitability for the PB customer, if the person having ordinary knowledge in the field to which the present invention belongs, with reference to this figure 99 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 99. It includes a 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 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 7658 for providing at least one financial transaction (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. It is preferable to extract one or more new fund product information associated with the information from the transmission system 7584, and to determine the profitability of the PB customer group according to the customer information, and has a general knowledge in the field to which the present invention belongs. Then, referring to the drawing 99, various information for calculating the profitability of the PB customer group, such as the cost (e.g., employee wages) for the employee in charge of the PB customer, can be added to the method of confirming the profitability of the PB customer group. However, in FIG. 99, the factor of the employee's cost is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to the costs such as direct costs and indirect costs for the employee who sells the product, such as a fund product to the customer to the customer or operates the fund.

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. 99, the PB customer group profitability calculation server includes: an information receiving unit 9900 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the transmission system 7658; An information extraction unit 9905 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 9910 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 9915 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 9920 (or information storage means) for storing the profitability calculation information in the D / B Characterized in that made.

Here, the ledger D / B is a D / B provided in the transmission system 7584, and the ledger D / B preferably includes customer information and fund product information necessary for calculating profitability for the PB customer group.

According to an embodiment of the present invention, the information receiving unit 9900 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 of the transmission system 7586 and provided to the information extraction unit 9905.

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 7584 to calculate profitability for the PB customer group.

According to an embodiment of the present invention, the information extraction unit 9905 may include the customer information received by the information receiving unit 9900, 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 checking unit 9910.

According to the exemplary embodiment of the present invention, the information checking unit 9910 may include the customer information extracted by the information extracting unit 9905, 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 PB customer is identified from the information on the PB customer and provided to the profitability calculation unit 9915.

The profitability calculation unit 9915 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 9910. The calculated PB customer information and profitability information for the PB customer are provided to the information storage unit 9920.

According to an embodiment of the present invention, the profitability calculation unit 9915 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 calculation unit 9915 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 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 7658 provides the ledger information to the PB customer group profit calculation server in connection with the ledger D / B in the trust system 7658 in connection with the PB customer group profit calculation server. It provides a function for, and detailed description of the internal configuration has been described with reference to Figure 97, it will be omitted.

In addition, the ledger information of the ledger D / B of the trust system 7658 has more information than the information shown in the ledger D / B of the trust system 7658 shown in Figure 99, but for calculating the profitability of the PB customer group Only information is shown.

100 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, the drawing 100 obtains the ledger information from the ledger D / B of the transmission system 7658 shown in FIG. 97, 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 for (fund product profitability information for PB customers and new fund product profitability information for PB customers) and storing the calculated profitability information in the D / B of the PB customer group profitability calculation server As related to 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 profitability of the PB customer group with reference to this drawing 100. It includes, but is not limited to, all the methods of inferred above.

Hereinafter, in FIG. 100, the PB customer group profitability calculation server shown in FIG. 99 is referred to as "server" for convenience.

Referring to FIG. 100A, the server accesses the communication system 7584 through a predetermined communication network, requests the server to provide ledger information of the communication system 7584 ledger D / B for the profitability calculation. Correspondingly, the transmission system 7658 provides the ledger information of the ledger D / B to the server (10000a).

Here, the ledger information preferably refers to the customer information stored in the ledger D / B of the transmission system 7658 and the 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 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 PB customer group from the ledger information provided from the transmission system 7658 (10005a).

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 100a, only the portion of the PB customer group is processed. 10010a.

Thereafter, the server checks the profitability information of the securities product corresponding to the PB customer group (10015a), and stores and registers the checked profitability information in the server storage medium (9930) (10020a).

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. 100b, the server accesses the communication system 7584 through a predetermined communication network, requests the server to provide ledger information of the communication system 7584 ledger D / B for the profitability calculation. Correspondingly, the transmission system 7658 provides the ledger information of the ledger D / B to the server (10000b).

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 7658.

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 PB customer group from the ledger information provided from the transmission system 7658 (10005b).

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. (10010b).

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (10015b), and stores and registers the confirmed profitability information in the server storage medium 9930 (10020b).

Herein, the new fund product profitability information for the new fund product information for the PB customer is based on the potential management fee income by the maritime fund, the potential management fee income by the equity fund, the potential management 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.

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

More specifically, Figure 101 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 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 7658 to extract information corresponding to a special customer group, and to extract the extracted information. Checking the information on the special customer group in 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 drawing 101 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 101. Includes all additional 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 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 7658 for providing at least one financial transaction (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. It is preferable to extract one or more new fund product information associated with the information from the transmission system 7584, and to determine the profitability of the special customer group according to the customer information, and has a general knowledge in the field to which the present invention belongs. If so, referring to FIG. 101, a variety of information for calculating the profitability of the special customer group, such as the cost of the employee in charge of the special customer (eg, employee wage, etc.), can be added to the method of confirming the profitability of the special customer group. However, in FIG. 101, the factor of the employee's cost is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to the costs such as direct costs and indirect costs for the employee who sells the product, such as a fund product to the customer to the customer or operates the fund.

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. 101, the special customer group profitability calculation server comprises: an information receiving unit 10100 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the transmission system 7658, the ledger. An information extraction unit 10105 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 10110 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 10115 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 10120 (or information storage means) for storing the profitability calculation information in the D / B Characterized in that made.

Here, the ledger D / B is a D / B provided in the transmission system 7658, 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 10100 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 of the transmission system 7586 and provided to the information extraction unit 10105.

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 7658 in order to calculate profitability for the special customer group.

According to an embodiment of the present invention, the information extraction unit 10105 is the customer information received by the information receiving unit 10100, 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 special customer is extracted from the fund product information and provided to the information checking unit 10110.

According to the exemplary embodiment of the present invention, the information checking unit 10110 may include the customer information extracted by the information extracting unit 10105, 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 calculation unit 10115.

The profitability calculation unit 10115 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 10110. The calculated special customer information and profitability information for the special customer are provided to the information storage unit 10120.

According to the exemplary embodiment of the present invention, the profitability calculation unit 10115 may calculate profitability information including profits based on 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 calculation unit 10115 may be configured to 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 management fee income by the maritime fund, the potential management fee income by the equity fund, the potential management 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 7658 provides the ledger information to the special customer group profit calculation server in association with the ledger D / B in the trust system 7658 in connection with the special customer group profit calculation server. It provides a function for, and detailed description of the internal configuration has been described with reference to Figure 97, it will be omitted.

In addition, the ledger information for the ledger D / B of the trust system 7658 has more information than the information shown in the ledger D / B of the trust system 7658 shown in Figure 101, Only information is shown.

102 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, the drawing 102 takes the ledger information from the ledger D / B of the transmission system 7658 shown in FIG. 97, and the two conditions of the special customer group through the special customer group profitability calculation server shown in FIG. 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, those skilled in the art to which the present invention pertains will be able to infer various implementation methods of a system for calculating profitability of a special customer group with reference to this drawing 102. It includes, but is not limited to, all the methods of inferred above.

Hereinafter, in FIG. 102, the special customer group profitability calculation server shown in FIG. 101 is referred to as "server" for convenience.

Referring to FIG. 102A, the server accesses the communication system 7584 through a predetermined communication network, and requests the server to provide ledger information of the communication system 7658 ledger D / B for the profitability calculation. Correspondingly, the transmission system 7658 provides the ledger information of the ledger D / B to the server (10200a).

Here, the ledger information preferably refers to the customer information stored in the ledger D / B of the transmission system 7658 and the 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 whose fund returns are 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 special customer group from the ledger information provided from the transmission system 7658 (10205a).

When extracting information about a group other than the special 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. 102a, only the portion of the special customer group is processed. 10102a.

Thereafter, the server checks the profitability information of the securities product corresponding to the special customer group (10215a), and stores and registers the checked profitability information on the server storage medium 10130 (10220a).

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 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, and 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 is preferable to include at least one or more of the repurchase fee revenue.

Referring to FIG. 102B, the server accesses the communication system 7584 through a predetermined communication network, requests the server to provide ledger information of the communication system 7584 ledger D / B for the profitability calculation. Correspondingly, the transmission system 7658 provides the ledger information of the ledger D / B to the server (10200b).

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 7658.

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 special customer group from the ledger information provided from the transmission system 7658 (10205b).

If information about groups other than the special 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 FIG. 10210b.

Thereafter, the server checks the profitability information of the account corresponding to the special customer group (10215b), and stores and registers the checked profitability information in the server storage medium 10130 (10220b).

Herein, the new fund product profitability information for the new fund product information for the special customer includes potential operating fee income by maritime fund, potential operating fee income by equity fund, potential operating fee income by bond fund, and mixed fund. It is preferable to include at least one of the potential operating fee revenue by the MMF, the potential operating fee revenue by the MMF, the potential operating fee revenue by the derivatives.

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

More specifically, FIG. 103 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 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 7658 to extract information corresponding to a corporate customer group, and extract the information. Checking the information on 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 103 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 103. Includes all additional 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 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).

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 7658 for providing at least one financial transaction (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. It is preferable to extract one or more new fund product information associated with the information from the transmission system 7584, and to confirm the profitability of the corporate customer group according to the customer information, and has a general knowledge in the field to which the present invention belongs. If so, various information for calculating the profitability of the corporate customer group, such as the cost (e.g., employee wages) for the employee in charge of the corporate customer, can be added to the method of confirming the profitability of the corporate customer group with reference to FIG. However, in FIG. 103, the factor of the employee's cost is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably refers to the costs such as direct costs and indirect costs for the employee who sells the product, such as a fund product to the customer to the customer or operates the fund.

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. 103, the corporate customer group profitability calculation server comprises: an information receiving unit 10300 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the transmission system 7658, the ledger An information extraction unit 10305 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 10310 (or information confirmation means) for confirming the information extracted from the ledger D / B, Profitability calculation unit 10315 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 10320 (or information storage means) for storing the profitability calculation information in the D / B Characterized in that made.

Here, the ledger D / B is a D / B provided in the transmission system 7584, and the ledger D / B preferably includes customer information and fund product information necessary for calculating profitability for the corporate customer group.

According to the exemplary embodiment of the present invention, the information receiving unit 10300 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 of the transmission system 7586 and provided to the information extraction unit 10305.

Here, the ledger information preferably includes customer information and fund product information requested from the corporate customer group profitability calculation server to the investment system 7658 to calculate profitability for the corporate customer group.

According to an embodiment of the present invention, the information extraction unit 10305 is the customer information received from the information receiving unit 10300, 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 10310.

According to the exemplary embodiment of the present invention, the information checking unit 10310 may include the customer information extracted by the information extracting unit 10305, 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 about the corporate customer and the profitability calculation unit 10315 is provided.

The profitability calculation unit 10315 may calculate the corporate customer profitability in connection with the profitability information for the corporate customer including at least one fund product profitability information for the corporate customer provided by the information checking unit 10310. The calculated corporate customer information and profitability information of the corporate customer are provided to the information storage unit 10320.

According to an embodiment of the present invention, the profitability calculation unit 10315 may calculate profitability information including profits based on 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 is preferable to include at least one or more of the repurchase fee revenue.

In addition, the profitability calculation unit 10315 may be configured to 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 management fee income by the maritime fund, the potential management fee income by the equity fund, the potential management 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 7658 provides the ledger information to the corporate customer group profitability calculation server in association with the ledger D / B in the trust system 7658 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 97, it will be omitted.

In addition, the ledger information of the ledger D / B of the trust system 7658 has more information than the information shown in the ledger D / B of the trust system 7658 shown in Figure 103, but the corporate customer group profitability calculation Only the information for this is shown.

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

More specifically, Fig. 104 shows the ledger information from the ledger D / B of the transmission system 7658 shown in Fig. 97 and the two conditions of the corporate customer group through the corporate customer group profitability calculation server shown in Fig. 103. 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 this drawing 104 to infer various implementation methods of the system for calculating profitability of the corporate customer group. It includes, but is not limited to, all the methods of inferred above.

Hereinafter, in FIG. 104, the corporate customer group profitability calculation server shown in FIG. 103 is referred to as "server" for convenience.

Referring to FIG. 104A, the server accesses the communication system 7584 through a predetermined communication network, requests the server to provide ledger information of the communication system 7584 ledger D / B for the profitability calculation. Correspondingly, the transmission system 7658 provides the ledger information of the ledger D / B to the server (10400a).

Here, the ledger information preferably refers to the customer information stored in the ledger D / B of the transmission system 7658 and the 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 the information corresponding to the corporate customer group from the ledger information provided from the transmission system 7658 (10405a).

When extracting information about a group other than the corporate 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. 104a, only a portion of the corporate customer group is processed. (10410a).

Thereafter, the server checks the profitability information of the securities product corresponding to the corporate customer group (10415a), and stores and registers the checked profitability information in the server storage medium 10330 (10420a).

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 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.

Referring to FIG. 104B, the server accesses the communication system 7584 through a predetermined communication network, requests the server to provide ledger information of the communication system 7584 ledger D / B for the profitability calculation. Correspondingly, the transmission system 7658 provides the ledger information of the ledger D / B to the server (10400b).

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 7658.

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 7658 (10405b).

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. 104d, only the portion of the corporate customer group is processed. (10410b).

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (10415b), and stores and registers the checked profitability information in the server storage medium 10330 (10420b).

Herein, the new fund product profitability information for the new fund product information for the corporate client is based on the potential management fee income by the maritime fund, the potential management fee income by the equity fund, the potential management 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.

105 is a trust personal customer group profit calculation server 7643, a trust PB customer group profit calculation server 7646, a trust special customer group profit calculation server 7649, a trust company profit group profit calculation server according to an embodiment of the present invention. A system configuration for storing validity and valid profitability information received from profitability information 7765 is shown.

In more detail, Figure 105 shows the individual customer group, PB customer group, special customer group, corporate customer group customer information (e.g. social security number, customer name, etc.), the profitability information associated with the customer information, the individual customer group profitability calculation Profitability calculation server (7643), profitability calculation server for investment PB customer group (7646), profitability calculation server for investment special customer group (7649), profitability calculation server (7652) for investment customer service 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 105. Is not limited in the figure 105, it includes all the embodiments in which the inference 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 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 commission income, half-payment commission income from derivatives, etc. And it is preferably made.

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 (7655) to calculate integrated profitability information, calculate profitability by linking profitability information of individual customer groups with the investment system (7658) to provide profitability information to the investment integration customer profit calculation server (7655) Investment PB Customer Group that provides profitability calculation server (7643) and profitability information of PB Customer Group by linking profitability information with Investment System (7658) to provide profitability information to Investment Integration Customer Profitability Calculation Server (7655). Profitability calculation server (7646) by linking the profitability information of special customer groups with the investment system (7658) to calculate the profitability Specialty customer group profitability calculation server (7649), which provides profitability information to customer profit calculation server (7655), and profitability information by calculating profitability by linking profitability information of corporate customer group with investment system (7658). 7655) at least one financial transaction (e.g., at least one financial transaction (e.g., through a face-to-face or non-face-to-face financial transaction channel) provided at a branch (or branch) of a financial institution that provides profitability information. Fund product purchase, fund product repurchase, etc.) is characterized in that the investment system (7658) for providing a service.

The investment integration customer profit calculation server 7755 includes customer information, profitability information linked to the customer information, a profit calculation server (7643), a PB customer group profit calculation server (7646), and a profitability of the special customer group. It is preferable to receive the calculation server 7649 and the profitability calculation server 7765 from the trusting customer customer group, and to check the personal customer group profitability, the PB customer group profitability, the special customer group profitability, and the corporate customer group profitability according to the customer information. And, if you have a general knowledge in the field of the present invention, with reference to the drawing 105, the integration of the required cost (for example, employee wages, etc.) for the staff in charge of the customer in the method of confirming the profitability of the integration integration Although various information for profitability calculation may be added, in FIG. 105, the factor of employee's cost is not used for profitability calculation. And strategy.

Here, the information on the required cost of the employee preferably refers to the costs such as direct costs and indirect costs for the employee who sells the product, such as a fund product to the customer to the customer or operates the fund.

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 communication integrated customer profit calculation server 7755 includes 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 saving the profitability calculation results for each group. It is linked through.

Referring to FIG. 105, the transmission integrated customer profitability calculation server 7755 receives customer information of an individual customer group and personal customer group profitability information associated with the customer information from the transmission personal customer group profitability calculation server 7643. 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 7646, or the special customer group from the transmission special customer group profitability calculation server 7649 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 investment enterprise customer group profitability calculation server 7762 Information receiving unit 10500 (or information receiving means) comprising at least one function for receiving, the individual customer group profitability of the transmission Information confirmation unit 10510 confirming information received from the exit server (7643), the investment PB customer group profitability calculation server (7646), the investment special customer group profitability calculation server (7649), the investment company customer group profitability calculation server (7652) (Or information confirmation means), an information storage unit 10520 (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 10500 transmits customer information and profitability information associated with the customer information to the individual customer group profitability calculation server 7643, the investment PB customer group profitability calculation server 7646, and the investment special The customer group profitability calculation server 7649 and the trusted corporate customer group profitability calculation server 7762 are provided to the information verification unit 10510.

According to the exemplary embodiment of the present invention, the information confirming unit 10510 checks the individual customer group in the customer information received from the information receiving unit 10500 and the profitability information associated with the customer information and stores the information storage unit 10520. ) Or check the PB customer group from the customer information received from the information receiving unit 10500, profitability information associated with the customer information, and provide the PB customer group to the information storage unit 10520, or the information receiving unit The special customer group is identified from the customer information received at 10500 and profitability information associated with the customer information and provided to the information storage unit 10520, or the customer information received at the information receiving unit 10500. In addition, the corporate customer group is identified from the profitability information associated with the customer information and provided to the information storage unit 10520.

According to the implementation method of the present invention, the information storage unit 10520 is an integrated customer profitability calculation server for the profitability information of the individual customer group, PB customer group, special customer group, corporate customer group provided by the information receiving unit 10500 Or a 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 7655. It is linked with a separate D / B server and communication network.

According to the implementation method of the present invention, the trust personal profit group profit calculation server 7643 receives the ledger information from the ledger D / B in the trust system 7658 in connection with the trust system 7658 and the profitability of the personal customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 97, it is omitted.

According to the implementation method of the present invention, the PB customer group profitability calculation server 7646 receives the ledger information from the ledger D / B in the investment system 7658 in connection with the investment system 7658 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 99, it is omitted.

According to the implementation method of the present invention, the specialty customer group profitability calculation server 7649 receives the ledger information from the general ledger D / B in the internal delivery system 7658 in connection with the profitable system 7658 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 101, it is omitted.

According to the implementation method of the present invention, the trust corporate customer group profit calculation server 7762 receives the ledger information from the ledger D / B in the trust system 7658 in connection with the trust system 7658 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 103, it is omitted.

According to the implementation method of the present invention, the investment system 7658 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 connection with the bank system 7618 ) 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 internal ledger D / B. Detailed description of the internal configuration has been described with reference to FIG. 97, and thus not shown.

In addition, the ledger information for the ledger D / B of the trust system 7658 has more information than the information shown in the ledger D / B of the trust system 7658 shown in Figure 105, 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.

106 illustrates 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.

More specifically, FIG. 106 shows individual customer group profitability information from the D / B of the trusted personal customer group profitability calculation server 7643 shown in FIG. 77, or the trusted PB customer group profitability calculation server 7646 shown in FIG. PB customer group profitability information from D / B), or special customer group profitability information from D / B of the investment special customer group profitability calculation server 7649 shown in FIG. 81, or the trustworthy corporate customer shown in FIG. 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 7762 and through the integrated integrated customer profitability calculation server 7655 shown in FIG. Customer group, corporate customer group) and the process of storing and registering the information in the D / B of the integrated integrated customer profitability calculation server (7655), the present invention belongs to 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 the drawing 106, but the present invention is not limited to the drawing 106, all the inference method It includes.

Hereinafter, in FIG. 106, the trusted integrated customer profit calculation server 7755 shown in FIG. 105 is referred to as "server" for convenience.

Referring to FIG. 106a, the server accesses the transmission 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 (10600a). .

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 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 the following: It comprises are preferred.

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 7643 (10605a).

When extracting information on groups other than the individual 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 FIG. 106a, only a part of the individual customer group is processed. (10610a).

Thereafter, the server stores and registers the profitability information of the identified individual customer group in the server storage medium 10530 (10615a).

Referring to FIG. 106b, the server accesses the transmission PB customer group profitability calculation server 7764 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (10600b).

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 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, income from brokerage fees by equity funds, income from management fees by bond funds, income from commissions by bond funds, income from commissions by bond funds, income from management fees by mixed funds, and by 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 the following: It comprises are preferred.

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 PB customer group from the profitability information provided from the transmission PB customer group profitability calculation server 7646 (10605b).

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 106b, only the portion of the PB customer group is processed. (10610b).

Thereafter, the server stores and registers the profitability information of the identified PB customer group in the server storage medium 10530 (10615b).

Referring to FIG. 106c, the server accesses the transmission special customer group profitability calculation server 7649 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (10600c).

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 fund product profitability information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF fund), and new fund product information.

* Here, the fund product profitability information 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 fund by equity fund. Repurchase fee income, mid-term repayment fee income from equity fund, operating fee income from bond fund, middle repayment fee income from bond fund, mid-term repayment fee income from bond fund, operating fee income from mixed fund, mixed fund Revenue from Medium Revenue Commissions, Revenue from Medium Revenue Commissions by Hybrid Funds, Revenue from Management Fees by MMFs, Revenue of Revenue Commissions by MMFs, Revenue from Centre-Funds Commissions by MMFs, Revenue from Management Fees by Derivatives, Derivatives At least one of the pre-payment commission income and the pre-tax commission from derivatives. It comprises are preferred.

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 7649 (10605c).

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. 106c, only the part of the special customer group is processed. (10610c).

Thereafter, the server stores and registers the profitability information of the identified special customer group in the server storage medium 10530 (10615c).

Referring to FIG. 106D, the server accesses the transmission enterprise customer group profitability calculation server 7762 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (10600d).

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 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 7762 (10605d).

If information on groups other than the corporate customer group is extracted from the trusted product information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 106d, only the portion of the corporate customer group is processed. (10610d).

Thereafter, the server stores and registers the identified profitability information of the corporate customer group in the server storage medium 10530 (10615d).

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

In more detail, Figure 107 shows customer information (e.g. social security number, customer name, etc.), one or more card information (e.g., 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, or one or more new card information, or one or more new loan information associated with the customer information, from the card system 7703. 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 Those skilled in the art can refer to this drawing 107 for various implementations of a system for calculating profitability of individual customer groups. It would have to be inferred, the present invention is not limited in the figure 107, includes all the embodiments in which the inference 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 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 credit 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, credit card loan, credit loan, etc.), characterized in that it comprises a card system (7663) 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 7767, and then generates an individual according to the customer information. The method of checking the profitability of the customer group is preferable, and if the person having ordinary knowledge in the field to which the present invention belongs, referring to this figure 107 for the employee in charge of the individual customer in the method of checking the profitability of the individual customer group Various information for calculating the profitability of the individual customer group, such as the required cost (eg, employee wage, etc.), may be added. However, in FIG. 107, the factor of the required cost of the employee is not used in calculating the profitability, and thus omitted.

Here, the information on the required cost of the employee preferably refers to costs such as direct 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.

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. 107, the personal customer group profitability calculation server comprises: an information receiving unit 10700 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the card system 7773, the ledger An information extraction unit 10705 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 10710 (or information confirmation means) for confirming the information extracted from the ledger D / B, Profitability calculation unit 10715 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 10720 (or information storage means) for storing the profitability calculation information in the D / B Characterized in that made.

Here, the ledger D / B is a D / B provided in the card system 7703, and the ledger D / B preferably includes customer information, card information, and loan information necessary for calculating profitability for the individual customer group. Do.

According to an embodiment of the present invention, the information receiving unit 10700 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. The information extraction unit 10705 is provided with the ledger information from the ledger D / B by linking the card information or at least one piece of new loan information associated with the customer information with the external system of the card system 7767. )

Here, the ledger information may include customer information, card information, and loan information requested from the personal customer group profitability calculation server to the card system 7703 for calculating profitability for the individual customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 10705 extracts information on the individual customer from the customer information received from the information receiving unit 10700 and one or more card information associated with the customer information to confirm the information. The information about the personal customer is provided to the information checking unit 10710 or the customer information received from the information receiving unit 10700 or one or more loan information associated with the customer information. Alternatively, the information about the individual customer is extracted from the customer information received from the information receiving unit 10700, at least one new card information associated with the customer information, and provided to the information checking unit 10710, or the information. The information about the individual customer is extracted from the customer information received from the receiver 10700 and at least one new loan information associated with the customer information. And it provides the identification unit (10 710).

According to the exemplary embodiment of the present invention, the information checking unit 10710 may check the individual customer from the information on the individual customer from the customer information extracted from the information extraction unit 10705 and one or more card information associated with the customer information. The customer information is provided to the profitability calculation unit 10715 or the customer information extracted from the information extraction unit 10705 and one or more loan information associated with the customer information to identify the individual customer from the information on the individual customer. Providing to the profitability calculation unit 10715 or identifying the individual customer in the at least one new card information associated with the customer information, extracted from the information extraction unit 10705 to the profitability calculation unit 10715 Providing an individual customer from the customer information extracted from the information extraction unit 10705, or one or more new loan information associated with the customer information. Due to provide a calculating section (10 715) of the margins.

The profitability calculation unit 10715 may include card profitability information for the individual customer, loan profitability information for the individual customer, or new card profitability information for the individual customer provided by the information verification unit 10710, or for the personal customer. 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, the information storage unit 10720 to the calculated personal customer information, the profitability information for the individual customer )

According to an embodiment of the present invention, the profitability calculation unit 10715 may include at least one profitability information, such as a profit by cash service, an installment transaction, or an annual fee, in 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 10715 may calculate profitability information by including at least one or more 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 of the loan information of the individual customer may include at least one or more of the commission income from the card loan loan, the interest income from the card loan loan, the commission income from the credit loan, and the interest income from the credit loan. desirable.

In addition, the profitability calculation unit 10715 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 10715 may calculate profitability information by including at least one or more of profits from credit card loans and profits from credit loans in loan information in the 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 10720 stores the profitability information provided by the profitability calculation unit 10715 in the D / B provided in the individual customer group profitability calculation server, or the profitability calculation unit 10715 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 7703 is connected to at least one or more teller terminals provided at branches (and / or branch offices) of the card institution through a predetermined card network (eg, 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 7703 may include at least one card terminal including a Cash Dispenser / Automatic Teller Machine (CAD / ATM) provided at a branch (and / or branch) of the card authority, and / or the card authority. At least one card terminal provided in the associated at least one other card organization (and / or another card agency branch), and / or at least one card terminal provided in a public place and a predetermined card network (eg CD) And a non-face-to-face card transaction service for at least one card transaction customer through the card terminal.

In addition, the card system 7766 is associated with a predetermined Internet banking server, and a network (eg, wired Internet, and / or IEEE 802.11x based) connected to a 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 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 7703 is associated with a predetermined wireless banking server, and a predetermined wireless network (eg, a code division multiple access (CDMA) based mobile communication network, and / or via 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 7766 is associated with a predetermined IC chip based wireless banking server, and 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 7766 is associated with 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 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 7766 is associated with a predetermined home banking server, and 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 7766 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. 76, the card system 7703 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. A computer system, comprising: a card system that processes window services such as card issuance, card loans, and credit loans that occur at at least one or more branches (or counters), and processes headquarters operations, branch office information support, and customer information management; Interconnection between card system 7703 and at least one other card system 7703 (and / or payment system), and / or at least one non-face-to-face card transaction means (e.g., the Internet) provided in at least one external communication network. Banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) And / or an external system providing various card transaction interfaces through at least one common network (eg, CD common network, card common network). 7663) an interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (e.g., ledger information, and / Or customer information, and / or management information, etc.) is characterized by comprising a DBMS (DataBase Management System) comprising at least one or more databases for storing and managing.

In addition, the card system 7703 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 features of the card system 7703 to which the card system 7703 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 understood the detailed technical details of (7663), the detailed description thereof will be omitted for convenience, and thereby the present invention is not limited.

In addition, the ledger information for the ledger D / B of the card system 7767 has more information than the information shown in the ledger D / B of the card system 7766 shown in FIG. Only the information for this is shown.

108 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.

More specifically, FIG. 108 shows the five conditions (individual customer) of the individual customer group through the personal customer group profitability calculation server shown in FIG. 107 by taking ledger information from the ledger D / B of the card system 7766 shown in FIG. Profitability information for card profitability information, loan profitability information for individual customers, new card profitability information for individual customers, and new loan profitability information for individual customers). Regarding the process of storing and registering in the D / B of the server, the person having ordinary knowledge in the field to which the present invention belongs, infers various implementation methods of the system for calculating the profitability of the individual customer group with reference to FIG. As will be appreciated, the present invention is not limited to this figure 108 and includes all the inferred implementation methods.

Hereinafter, in Fig. 108, the personal customer group profitability calculation server shown in Fig. 107 is referred to as &quot; server &quot; for convenience.

Referring to FIG. 108a, the server accesses the card system 7703 through a predetermined communication network, requests the server to provide ledger information of the card system 7503 ledger D / B for the profitability calculation. Correspondingly, the card system 7703 provides the ledger information of the ledger D / B to the server (10800a).

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 7773.

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 7703 (10805a).

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. 108a, only the portion of the individual customer group is processed. (10810a).

Thereafter, the server checks the profitability information of the card corresponding to the individual customer group (10815a), and stores and registers the checked profitability information in the server storage medium 10730 (10820a).

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.

Referring to FIG. 108b, the server accesses the card system 7703 through a predetermined communication network, requests the server to provide the ledger information of the card system 7503 ledger D / B for the profitability calculation. In response, the card system 7703 provides the ledger information of the ledger D / B to the server (10800b).

Here, the ledger information preferably refers to loan information associated with customer information and customer information stored and registered in the ledger D / B of the card system 7766.

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 the information corresponding to the individual customer group from the ledger information provided from the card system 7703 (10805b).

If information about groups other than the individual 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. 108b, only the portion of the individual customer group is processed. (10810b).

Thereafter, the server checks the profitability information of the loan corresponding to the individual customer group (10815b), and stores and registers the checked profitability information in the server storage medium 10730 (10820b).

In this case, the loan profitability information of the loan information of the individual customer may include at least one or more of the commission income from the card loan loan, the interest income from the card loan loan, the commission income from the credit loan, and the interest income from the credit loan. desirable.

Referring to FIG. 108c, the server accesses the card system 7703 through a predetermined communication network, requests the server to provide ledger information of the card system 7503 ledger D / B for the profitability calculation. In response, the card system 7703 provides the ledger information of the ledger D / B to the server (10800c).

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 7773.

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 7703 (10805c).

If information on groups other than the individual customer group is extracted from the card information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 108c, only the portion of the individual customer group is processed. (10810c).

Thereafter, the server checks the profitability information of the card corresponding to the individual customer group (10815c), and stores and registers the checked profitability information in the server storage medium 10730 (10820c).

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.

Referring to FIG. 108d, the server accesses the card system 7703 through a predetermined communication network, requests the server to provide ledger information of the card system 7503 ledger D / B for the profitability calculation. In response, the card system 7703 provides the ledger information of the ledger D / B to the server (10800d).

Here, the ledger information preferably refers to new loan information associated with customer information and customer information stored and registered in the ledger D / B of the card system 7767.

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 credit card loans, credit loans that the customer subscribed.

Thereafter, the server extracts the information corresponding to the individual customer group from the ledger information provided from the card system 7703 (10805d).

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. 108d, only the part of the individual customer group is processed. (10810d).

Thereafter, the server checks the profitability information of the card corresponding to the individual customer group (10815d), and stores and registers the checked profitability information in the server storage medium 10730 (10820d).

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.

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

In more detail, Figure 109 shows customer information (eg, social security number, customer name, etc.), one or more card information (eg, cash service details, installment transaction details, annual fee, etc.) to calculate profitability of the corporate customer group. ), Or one or more loan information (eg, card loan loan, credit loan, etc.) associated with the customer information, or one or more new card information, or one or more new loan information associated with the customer information, from the card system 7703. 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 FIG. It would have to be inferred, the present invention is not limited in the figure 109, includes all the embodiments in which the inference 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 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 credit 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.), characterized in that it comprises a card system (7663) 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 7767, and the company according to the customer information. The method of checking the profitability of the customer group is preferable, and those skilled in the art to which the present invention belongs, refer to this figure 109 for the employee in charge of the corporate customer in the method of checking the profitability of the corporate customer group Various information for calculating the corporate customer group profitability, such as the required cost (eg, employee wage, etc.), may be added. However, in FIG. 109, the factor of the required cost of the employee is not used in calculating the profitability, and thus omitted.

Here, the information on the required cost of the employee preferably refers to costs such as direct 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.

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. 109, the corporate customer group profitability calculation server includes: an information receiving unit 10900 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the card system 7773, the ledger An information extraction unit 10905 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 10110 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation unit (10915) (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit (10920) (or information storage means) for storing the profitability calculation information in the D / B Characterized in that made.

Here, the ledger D / B is a D / B provided in the card system 7703, 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 10900 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 associated with the customer information. The information extracting unit receives the ledger information from the ledger D / B in association with the external system of the card system 7773, which includes at least one new card information or one or more new loan information associated with the customer information. 10905).

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 7703 for calculating profitability for the corporate customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 10905 extracts information on an enterprise customer from one or more card information associated with the customer information and the customer information received by the information receiving unit 10900 and confirms the information. The information about the corporate customer is extracted from the customer information received from the information receiving unit 10900 or one or more loan information associated with the customer information, and provided to the information checking unit 10910. Alternatively, the information about the enterprise customer is extracted from the customer information received from the information receiving unit 10900, at least one new card information associated with the customer information, and provided to the information checking unit 10110, or the information. The information about the corporate customer is extracted from the customer information received from the receiver 10900 and at least one new loan information associated with the customer information. And it provides the check unit (10910).

According to the exemplary embodiment of the present invention, the information checking unit 10110 checks the corporate customer from the information on the corporate customer from the customer information extracted from the information extraction unit 10905 and at least one card information associated with the customer information. Providing to the profitability calculation unit (10915) or the customer information extracted from the information extraction unit (10905), at least one 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 (10915) or by checking the customer in the at least one new card information associated with the customer information, the customer information extracted by the information extraction unit 10905 to the profitability calculation unit (10915) Providing or confirming a corporate customer from the customer information extracted from the information extraction unit 10905, one or more new loan information associated with the customer information Due to the above profitability calculation unit (10915).

The profitability calculation unit 10315 may provide card profitability information for a corporate customer, loan profitability information for a corporate customer, new card profitability information for a corporate customer, or a corporate customer provided by the information checking unit 10910. 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 calculated information on the corporate customer information, the profitability information for the corporate customer information storage unit 10920 )

According to an exemplary embodiment of the present invention, the profitability calculation unit 10315 may include at least one profitability information such as a profit by cash service, an installment transaction, or an annual fee in 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 10315 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 corporate customer.

Herein, the loan profitability information of the loan information of the corporate customer may include at least one of a 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 10315 may include profitability information including at least one or more profitability information such as profit by cash service, installment transaction, or annual fee, etc. in the newly registered card information of the corporate customer. 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 calculator 10315 may calculate profitability information by including at least one or more profits from credit card loans, credit loans, and the like from loan information in 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 10920 stores the profitability information provided by the profitability calculation unit 10915 in a D / B provided in the corporate customer group profitability calculation server, or the profitability calculation unit 10515 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 7703 provides the ledger information to the corporate customer group profitability calculation server in association with the ledger D / B in the card system 7703 in association 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 107, it is omitted.

In addition, the ledger information for the ledger D / B of the card system 7766 has more information than the information shown in the ledger D / B of the card system 7766 shown in FIG. 109. Only information is shown.

110 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.

In more detail, the drawing 110 obtains the ledger information from the ledger D / B of the card system 7773 shown in the drawing 107, and the five conditions of the corporate customer group through the corporate customer group profitability calculation server shown in the drawing 109. 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 Regarding the process of storing and registering in the D / B of the customer group profit calculation server, the person having ordinary knowledge in the field to which the present invention pertains refers to various systems for calculating profitability of the corporate customer group with reference to FIG. Although it will be possible to infer an implementation method, the present invention is not limited to this drawing 110, and includes all implementation methods inferred from the above.

Hereinafter, the corporate customer group profitability calculation server shown in FIG. 109 in FIG. 110 is referred to as "server" for convenience.

Referring to FIG. 110a, the server accesses the card system 7703 through a predetermined communication network, requests the server to provide ledger information of the card system 7503 ledger D / B for the profitability calculation. Correspondingly, the card system 7703 provides ledger information of the ledger D / B to the server (11000a).

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 7773.

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 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 7703 (11005a).

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 this figure 110a, only the portion of the corporate customer group is processed. (11010a).

Thereafter, the server checks the profitability information of the card corresponding to the corporate customer group (11015a), and stores and registers the checked profitability information in the server storage medium (10930) (11020a).

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 include.

Referring to FIG. 110b, the server connects to the card system 7703 through a predetermined communication network, requests the server to provide ledger information of the card system 7503 ledger D / B for the profitability calculation. In response, the card system 7703 provides ledger information of the ledger D / B to the server (11000b).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the card system 7773 and 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.

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 7703 (11005b).

If information about groups other than the corporate customer group is extracted from the loan information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in this figure 110b, only the portion of the corporate customer group is processed. (11010b).

Thereafter, the server checks the profitability information of the loan corresponding to the corporate customer group (11015b), and stores and registers the checked profitability information in the server storage medium (10930) (11020b).

Herein, the loan profitability information of the loan information of the corporate customer may include at least one of a 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. 110c, the server accesses the card system 7703 through a predetermined communication network, requests the server to provide ledger information of the card system 7503 ledger D / B for the profitability calculation. In response, the card system 7703 provides ledger information of the ledger D / B to the server (11000c).

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 7773.

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 7703 (11005c).

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 only the portion of the corporate customer group is processed in the drawing 110c. (11010c).

Thereafter, the server checks the profitability information of the card corresponding to the corporate customer group (11015c), and stores and registers the checked profitability information in the server storage medium (10930) (11020c).

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. 110d, the server accesses the card system 7703 through a predetermined communication network, requests the server to provide ledger information of the card system 7503 ledger D / B for the profitability calculation. Correspondingly, the card system 7703 provides ledger information of the ledger D / B to the server (11000d).

Here, the ledger information preferably refers to new loan information associated with customer information and customer information stored and registered in the ledger D / B of the card system 7767.

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 credit card loans, credit loans that the customer subscribed.

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the card system 7703 (11005d).

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 this drawing 110d, only the portion of the corporate customer group is processed. (11010d).

Thereafter, the server checks the profitability information of the card corresponding to the corporate customer group (11015d), and stores and registers the checked profitability information in the server storage medium (10930) (11020d).

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.

111 illustrates a system configuration for storing valid and valid profitability information by receiving profitability information from a card individual customer group profitability calculation server 7767 and a card corporate customer group profitability calculation server 7762 according to an embodiment of the present invention. It is.

In more detail, Figure 111 shows an individual customer group, customer information of an enterprise customer group (eg, social security number, customer name, etc.), profitability information associated with the customer information card personal customer group profitability calculation server (7663), card corporate customer As shown in the internal configuration of the system provided from the group profit calculation server 7767 to confirm the validity of the individual customer group profitability information, the 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 card integrated profitability can be inferred with reference to this drawing 111, but the present invention is not limited to this drawing 111, 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.

Here, the loan profitability information may include at least one or more of a fee income from card loans, interest income from credit card loans, commission income from credit loans, and interest income from credit loans.

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 ( 2675), card individual customer group profitability calculation server (7663), corporate customer providing profitability information to card integrated customer profit calculation server (2675) by calculating profitability by linking profitability information of individual customer group with card system (7663) Card corporate customer group profitability calculation server (7672) that provides profitability information to card integrated customer profit calculation server (2675) by calculating profitability by linking the group's profitability information with card system (7663), branch of financial institution (or branch office) At least one financial transaction (eg, through one or more face-to-face or non-face-to-face financial trading channels) , The system comprising a card (7663) for providing a card issuer, card loans, credit, etc.) the service is characterized in that formed.

The card integrated customer profit calculation server 2675 receives customer information and profitability information associated with the customer information from a card personal customer group profit calculation server 7767 and a card corporate customer group profit calculation server 7767, and the customer It is preferable to check the individual customer group profitability, corporate customer group profitability according to the information, and those who have ordinary knowledge in the field to which the present invention belongs, refer to this figure 111 in Various information for calculating card integration profitability, such as the cost (e.g., employee wage, etc.) for the employee in charge, may be added. However, in FIG. 111, the factor of the employee's cost is not used to calculate profitability. Omit the city.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells the card product to the customer.

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

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

The card integrated customer profit calculation server 2675 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. 111, the card integrated customer profitability calculation server 2675 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 7766. Or an information receiving unit 11100 (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 7762. Receiving means), an information checking unit 1110 (or information checking means) for confirming the information received from the card personal customer group profitability calculation server 7773, the card corporate customer group profitability calculation server 7762, the checked profitability And an information storage unit 11120 (or information storage means) for storing information in the D / B.

According to the exemplary embodiment of the present invention, the information receiving unit 11100 receives customer information and profitability information associated with the customer information from the card personal customer group profit calculation server 7767 and the card corporate customer group profit calculation server 7767. It is provided to the information verification unit 11110.

According to the exemplary embodiment of the present invention, the information checking unit 1110 checks the individual customer group in the customer information received from the information receiving unit 11100 and the profitability information associated with the customer information and stores the information storing unit 11120. Or the corporate customer group in the customer information received from the information receiving unit 11100 and the profitability information associated with the customer information, and provide the same to the information storage unit 11120.

According to an exemplary embodiment of the present invention, the information storage unit 11120 includes the D / B provided in the card integrated customer profit calculation server 2675 for profitability information of the individual customer group and the corporate customer group provided by the information receiver 11100. In this case, the data is interlocked with a separate D / B server having a D / B for storing the profitability information of the individual customer group and the corporate customer group provided by the information checking unit 11110.

According to the implementation method of the present invention, the card personal customer group profitability calculation server 7703 receives the ledger information from the ledger D / B in the card system 7703 in association with the card systems 7703 and 7767. It provides a function for calculating the profitability of the group, and since the detailed description of the internal configuration has been described with reference to FIG.

According to the implementation method of the present invention, the card corporate customer group profit calculation server 7762 receives the ledger information from the ledger D / B in the card system 7703 in association with the card systems 7766 and 7767. It provides a function for calculating the profitability of the group, and since the detailed description of the internal configuration has been described with reference to FIG.

According to the implementation method of the present invention, the card system 7703 is linked with the ledger D / B in the card system 7703 in association with the individual customer group profitability calculation server, the enterprise customer group profitability calculation server to the ledger information. A function for providing the individual customer group profitability calculation server and the corporate customer group profitability calculation server is provided. A 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 card system 7703 has more information than the information shown in the ledger D / B of the card system 7766 shown in Figure 111, but the individual customer group profitability calculation, Only the information for calculating customer group profitability is shown.

112 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.

More specifically, FIG. 112 shows individual customer group profitability information from the D / B of the card individual customer group profitability calculation server 7773 shown in FIG. 107, or the card corporate customer group profitability calculation server 7762 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 (2675) shown in FIG. Regarding the process of storing and registering the identified information in the D / B of the card integrated customer profitability calculation server 2675, a person having ordinary knowledge in the field to which the present invention pertains will refer to the card with reference to FIG. Various implementation methods of the system for integrated profitability calculation may be inferred, but the present invention is not limited to this drawing 112, and includes all implementation methods inferred.

Hereinafter, in FIG. 112, the card integrated customer profit calculation server 2475 shown in FIG. 111 is referred to as a "server" for convenience.

Referring to FIG. 112a, the server accesses the card personal customer group profitability calculation server 7773 through a predetermined communication network and provides the server with customer information for profitability calculation and profitability information associated with customer information. (11200a).

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 preferably comprises at least one or more potential interest income by credit card loans, potential interest income by credit loans.

Thereafter, the server checks information corresponding to the individual customer group from the profitability information provided from the card personal customer group profitability calculation server 7766 (11205a).

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. 112a, only the portion of the individual customer group is processed. (11210a).

Thereafter, the server stores and registers the profitability information of the identified individual customer group in the server storage medium 11130 (11220a).

Referring to FIG. 112b, the server accesses the card corporate customer group profitability calculation server 7762 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (11200b).

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 by credit card loans, interest income by credit card loans, commission income by credit loans, interest income by 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 preferably comprises at least one or more potential interest income by credit card loans, potential interest income by 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 7762 (11205b).

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. 112b, only the portion of the corporate customer group is processed. (11210b).

Thereafter, the server stores and registers the checked profitability information of the corporate customer group in the server storage medium 11130 (11220b).

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

More specifically, FIG. 113 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 7698, 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 having ordinary skill in the art to which the present invention pertains, the profitability of the individual customer group is calculated with reference to this drawing 113. For would be able to infer a variety of embodiment of the system, the invention is not limited in the figure 113, it includes all embodiments wherein the method is inferred.

The customer information may include at least one of information such as a social security number, a customer information file (CIF), a customer name, a landline phone number, and a wireless phone number.

In addition, the 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-face-to-face provided at the individual customer group profitability calculation server or branch (or branch) of a financial institution for calculating the profitability of the individual customer group including at least one calculation of profitability resulting from the purchase of new savings insurance. And an insurance system 7698 for providing at least one financial transaction (eg, guaranteed insurance, savings insurance, etc.) service through the financial transaction channel.

The personal customer 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 7698. Thus, a method of confirming the profitability of the individual customer group according to the customer information is preferable, and if the person having ordinary knowledge in the field to which the present invention belongs, in the method of confirming the profitability of the individual customer group with reference to FIG. Various information for calculating the profitability of the individual customer group, such as the cost of the employee in charge of the individual customer (eg, employee wage, etc.) can be added, but in FIG. 113, the factor of the cost of the employee is used to calculate profitability. Because we did not omit city.

In this case, the information on the required cost of the employee may mean a cost 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 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 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. 113, the personal customer group profitability calculation server includes an information receiver 11300 (or information receiver) for receiving information from the ledger D / B in association with the external system of the insurance system 7698, the ledger. An information extracting unit 11305 (or information extracting means) for extracting necessary information from the information received from the D / B, an information confirming unit 1310 (or information verifying means) for confirming the information extracted from the ledger D / B; Profitability calculation unit (11315) (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit (11320) (or information storage means) for storing the profitability calculation information in the D / B Characterized in that made.

Here, the ledger D / B is a D / B provided in the insurance system 7698. The ledger D / B includes customer information, guarantee insurance information, and savings insurance information necessary for profitability calculation for an individual customer group. It is preferable.

According to the exemplary embodiment of the present invention, the information receiving unit 11300 may include customer information, one or more guarantee insurance information associated with the customer information, one or more saving insurance information associated with the customer information, or one associated with the customer information. Receiving the ledger information from the ledger D / B in association with the external system of the insurance system 7698 includes at least one new guarantee insurance information or one or more new savings insurance information linked to the customer information. It is provided to the information extraction part 11305.

Here, the ledger information preferably includes customer information, guarantee insurance information, and savings insurance information requested by the insurance system 7698 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 11305 extracts information about the individual customer from the customer information received from the information receiving unit 11300 and one or more guarantee insurance information associated with the customer information, and the information. The information confirmation unit 1310 may be provided to the identification unit 11310 or the personal information is extracted from the customer information received from the information receiving unit 11300 or one or more savings insurance information associated with the customer information. Or to extract information about the individual customer from the customer information received from the information receiving unit 11300, one or more new guarantee insurance information associated with the customer information to provide to the information verification unit 1110, or Or at least one new savings insurance information associated with the customer information and the customer information received by the information receiving unit 11300 to the individual customer. It extracts the information provided by the information checking unit (11310).

According to the exemplary embodiment of the present invention, the information checking unit 1113 may identify the individual customer from the information on the individual customer in the at least one guarantee insurance information associated with the customer information extracted from the information extracting unit 11305 and the customer information. By providing to the profitability calculation unit 1113 or the customer information extracted from the information extraction unit 11305, at least one 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 1315 or the individual customer may be identified from the customer information extracted from the information extraction unit 11305 or at least one new guarantee insurance information associated with the customer information. 11315 or one or more new savings associated with the customer information or the customer information extracted by the information extraction unit 11305 Check the individual customer in the insurance information provided by the profitability calculation unit (11315).

The profitability calculation unit 1315 may include the guarantee insurance profitability information for the individual customer provided by the information checker 1113, the savings insurance profitability information for the individual customer, or the new guarantee insurance profitability information for the individual customer, or the 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. Provided to the storage unit 1320.

According to the implementation method of the present invention, the profitability calculation unit 1315 may include revenue from cancer insurance, revenue from accident insurance, revenue from driver's insurance, revenue from automobile 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 1113 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 1315 may include 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 1153 may calculate profitability information by including at least one of profits from pension insurance, income from education insurance, and the like from newly-saved 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 an exemplary embodiment of the present invention, the information storage unit 1320 stores the profitability information provided by the profitability calculation unit 1315 in a D / B provided in the individual customer group profitability calculation server, or the profitability calculation unit 1315 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 7698 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 7698 may include at least one insurance terminal including a cash dispenser / automatic teller machine (CAD / 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 7698 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 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 (7698) is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (e.g., 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 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 (7698) 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 through at least one wireless terminal (e.g., 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. It provides IC chip-based non-face-to-face insurance transaction service to the above insurance transaction customers.

In addition, the insurance system 7698 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 insurance transaction service to at least one insurance customer through a GSM terminal and / or a smartphone).

In addition, the insurance system (7698) 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 insurance services to at least one insurance customer.

In addition, the insurance system (7698) 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. 76, the insurance system 7698 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 7698 and at least one other insurance system 7698 (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 (7698). 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 7698 further includes: An interface module corresponding to a middleware platform that provides inter-component interfacing within the system 7698, and predetermined information (e.g., ledger information) required for each function in a component in the insurance system 7698 , And / or customer information, and / or management information, etc.), characterized in that it comprises a DBMS (DataBase Management System) including at least one database for storing and managing.

In addition, the insurance system 7698 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 7698 and the purpose and characteristics of the insurance system 7698. 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 ( 7698) will be familiar with the technical details, detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

In addition, the ledger information for the ledger D / B of the insurance system 7698 has more information than the information shown in the ledger D / B of the insurance system 7698 shown in Figure 113, Only information is shown.

114 is 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.

More specifically, Fig. 114 shows the ledger information from the ledger D / B of the insurance system 7698 shown in Fig. 113, and the five conditions of the individual customer group through the personal customer group profitability calculation server shown in Fig. 113. 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 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. 114 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 114, and all implementations inferred above. Including the law.

Hereinafter, in Figure 114, the individual customer group profitability calculation server shown in Figure 113 is referred to as "server" for convenience.

Referring to FIG. 114A, the server accesses the insurance system 7698 through a predetermined communication network, requests the server to provide ledger information of the insurance system 7698 ledger D / B for the profitability calculation. In response, the insurance system 7698 provides the ledger information of the ledger D / B to the server (11400a).

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 7698.

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 7698 (11405a).

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. (11410a).

Thereafter, the server checks the profitability information of the guarantee insurance corresponding to the individual customer group (11415a), and stores and registers the checked profitability information in the server storage medium 11330 (11420a).

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. 114B, the server accesses the insurance system 7698 through a predetermined communication network, requests the server to provide ledger information of the insurance system 7698 ledger D / B for the profitability calculation. In response, the insurance system 7698 provides the ledger information of the ledger D / B to the server (11400b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the insurance system 7698 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 individual customer group from the ledger information provided from the insurance system 7698 (11405b).

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 this figure 114b, only the portion of the individual customer group is processed. (11410b).

Thereafter, the server checks the profitability information of the savings insurance corresponding to the individual customer group (11415b), and stores and registers the checked profitability information on the server storage medium 11330 (11420b).

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. 114c, the server accesses the insurance system 7698 through a predetermined communication network, requests the server to provide ledger information of the insurance system 7698 ledger D / B for the profitability calculation. In response, the insurance system 7698 provides the ledger information of the ledger D / B to the server (11400c).

Here, the ledger information preferably refers to customer information registered and stored in the ledger D / B of the insurance system 7698 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 7698 (11405c).

If information about groups other than the individual customer group is extracted from the insured insurance information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. (11410c).

Thereafter, the server checks the profitability information of the guarantee insurance corresponding to the individual customer group (11415c), and stores and registers the checked profitability information in the server storage medium 11330 (11420c).

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. 114D, the server accesses the insurance system 7698 through a predetermined communication network, requests the server to provide ledger information of the insurance system 7698 ledger D / B for the profitability calculation. In response, the insurance system 7698 provides the ledger information of the ledger D / B to the server (11400d).

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 7698.

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 7698 (11405d).

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. (11410d).

Thereafter, the server checks the profitability information of the guarantee insurance corresponding to the individual customer group (11415d), and stores and registers the checked profitability information on the server storage medium (11330) (11420d).

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.

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

More specifically, FIG. 115 shows customer information (eg, social security number, customer name, etc.), 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 structure of the system for calculating profitability for a company is provided by extracting information corresponding to a business group from the system 7698 and checking the information on the business group from the extracted information. If you have ordinary knowledge in this field, with reference to this figure 115 a variety of systems for calculating the profitability of the corporate group Would be able to infer the exemplary method, the invention is not limited in the figure 115, it includes all the embodiments in which the inference method.

The customer information may include at least one of information such as a social security number, a customer information file (CIF), a customer name, a landline phone number, and a wireless phone number.

In addition, the 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 server for calculating profitability of a company group that includes at least one profitability calculation according to insurance, through at least one face-to-face or non-face-to-face financial transaction channel provided in branches (or branches) of financial institutions And an insurance system 7698 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 7698. It is preferable that the method of checking the profitability of the corporate group according to the customer information, and those skilled in the art to which the present invention belongs, refer to this figure 115 in charge of the company in the method of checking the profitability of the corporate group Various information for calculating the profitability of the corporate group, such as the required expenses (e.g., employee wages) for the employees, can be added. However, in FIG. 115, the elements of the required costs of the employees are not used for calculating the profitability. do.

In this case, the information on the required cost of the employee may mean a cost 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 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 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. 115, the corporate group profitability calculation server includes an information receiver 11500 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the insurance system 7698, the ledger D. Information extracting unit 11505 (or information extracting means) for extracting necessary information from information received from / B, information confirming unit 1115 (or information verifying means) for confirming information extracted from the ledger D / B, and Profitability calculation unit (11515) (or profitability calculation means) for calculating profitability information from the confirmed information, and an information storage unit (11520) (or information storage means) for storing the above-mentioned profitability calculation information in the D / B It is characterized by.

Here, the ledger D / B is a D / B provided in the insurance system 7698. The ledger D / B includes customer information, guarantee insurance information, and savings insurance information necessary for calculating profitability for the corporate group. desirable.

According to the exemplary embodiment of the present invention, the information receiving unit 11500 may include customer information, one or more guarantee insurance information associated with the customer information, one or more saving insurance information associated with the customer information, or one associated with the customer information. Receiving the ledger information from the ledger D / B in association with the external system of the insurance system 7698 includes at least one new guarantee insurance information or at least one new savings insurance information linked to the customer information. The extraction unit 11505 is provided.

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 7698 in order to calculate profitability for the company group.

According to the exemplary embodiment of the present invention, the information extracting unit 11505 extracts information on the company from the customer information received from the information receiving unit 11500 and one or more guarantee insurance information associated with the customer information to check the information. The information about the company is provided to the unit 1115 or the one or more savings insurance information associated with the customer information received from the information receiving unit 11500 and the information is provided to the information checking unit 11510. Alternatively, the information about the company is extracted from the customer information received from the information receiving unit 11500, one or more new insurance information associated with the customer information, and provided to the information checking unit 1115, or the information. Extracting information about a company from the customer information received from the receiving unit 11500, one or more new savings insurance information associated with the customer information. By the information checking unit 11510.

According to an embodiment of the present invention, the information checking unit 1115 may identify a company from the customer information extracted from the information extracting unit 11505 and information about a company from one or more guarantee insurance information associated with the customer information. The profitability calculation unit 1115 may be provided, or the customer information extracted from the information extraction unit 11505 may be identified from a company information in one or more savings insurance information associated with the customer information, and the profitability calculation may be performed. Provided to the unit 1115 or the company from the customer information extracted from the information extraction unit 11505 or one or more new insurance information associated with the customer information and provided to the profitability calculation unit 1115. Or at least one new savings insurance information associated with the customer information or the customer information extracted by the information extraction unit 11505. OK to be provided to the profitability of the calculating section (11 515).

The profitability calculation unit 1115 may provide guarantee insurance profitability information for a company provided by the information checker 11510, 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 1520. .

According to the implementation method of the present invention, the profitability calculation unit 1115 may include profits such as profits from cancer insurance, revenues from accident insurance, revenues from driver insurance, revenues 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 calculator 1115 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 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.

In addition, the profitability calculation unit 1115 may include at least one profitability information such as profits from cancer insurance, revenues from accident insurance, revenues from driver's insurance, revenues from auto insurance, etc. 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 1115 may calculate profitability information by including at least one of profits from pension insurance, income from education insurance, and the like in the newly registered 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 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.

According to the exemplary embodiment of the present invention, the information storage unit 1520 stores the profitability information provided by the profitability calculation unit 1115 in a D / B provided in the corporate group profitability calculation server, or the profitability calculation unit 11515. 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 7698 is linked with the corporate group profitability calculation server to provide the ledger information to the corporate group profitability calculation server in association with the ledger D / B in the insurance system 7698. It provides a function, and detailed description of the internal configuration has been described with reference to Figure 113, it will be omitted.

In addition, the ledger information for the ledger D / B of the insurance system 7698 has more information than the information shown in the ledger D / B of the insurance system 7698 shown in Figure 115, but the information for calculating the corporate group profitability Shows the bay.

Figure 116 shows the guarantee insurance profitability information for the company, the savings insurance profitability information for the company, the new guarantee insurance profitability information for the company, the new savings insurance profitability information for the company according to the method 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, this drawing 116 takes the ledger information from the ledger D / B of the insurance system 7698 shown in the drawing 113, and the five conditions of the business group through the corporate group profitability calculation server shown in the drawing 115. 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, etc. 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 pertains can refer to this drawing 116 to infer various implementation methods of a system for calculating profitability of an enterprise group. As will be appreciated, the invention is not limited to this drawing 116 but includes all such implementation methods inferred.

Hereinafter, in FIG. 116, the corporate group profitability calculation server shown in FIG. 115 is referred to as a "server" for convenience.

Referring to FIG. 116a, the server accesses the insurance system 7698 through a predetermined communication network, requests the server to provide ledger information of the insurance system 7698 ledger D / B for the profitability calculation. In response, the insurance system 7698 provides the ledger information of the ledger D / B to the server (11600a).

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 7698.

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 company group from the ledger information provided from the insurance system 7698 (11605a).

When extracting information on groups other than the corporate group from the guarantee insurance information, processing is performed with reference to the other drawings shown in the present invention according to each group, and only the portion of the corporate group is processed in this figure 116a ( 11610a).

Thereafter, the server checks profitability information of the guarantee insurance corresponding to the corporate group (11615a), and stores and registers the checked profitability information in the server storage medium 1115 (11620a).

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. 116B, the server accesses the insurance system 7698 through a predetermined communication network, requests the server to provide ledger information of the insurance system 7698 ledger D / B for the profitability calculation. In response, the insurance system 7698 provides the ledger information of the ledger D / B to the server (11600b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the insurance system 7698 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 company group from the ledger information provided from the insurance system 7698 (11605b).

If information about groups other than the corporate group is extracted from the savings insurance information, the respective processes are referred to by referring to the other drawings of the present invention according to each group, and in FIG. 11610b).

Thereafter, the server checks profitability information of the savings insurance corresponding to the corporate group (11615b), and stores and registers the checked profitability information in the server storage medium 1115 (11620b).

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. 116c, the server accesses the insurance system 7698 through a predetermined communication network, requests the server to provide ledger information of the insurance system 7698 ledger D / B for the profitability calculation. In response, the insurance system 7698 provides the ledger information of the ledger D / B to the server (11600c).

Here, the ledger information preferably refers to new security information associated with customer information and customer information stored and registered in the ledger D / B of the insurance system 7698.

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 company group from the ledger information provided from the insurance system 7698 (11605c).

If information on 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 only the portion of the corporate group is processed in this figure 116c ( 11610c).

Thereafter, the server checks profitability information of the guarantee insurance corresponding to the corporate group (11615c), and stores and registers the checked profitability information on the server storage medium 1115 (11620c).

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. 116d, the server accesses the insurance system 7698 through a predetermined communication network, requests the server to provide ledger information of the insurance system 7698 ledger D / B for the profitability calculation. In response, the insurance system 7698 provides the ledger information of the ledger D / B to the server (11600d).

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 7698.

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 7698 (11605d).

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 only the part of the corporate group is processed in this figure 116d ( 11610d).

Thereafter, the server checks the profitability information of the guarantee insurance corresponding to the corporate group (11615d), and stores and registers the checked profitability information on the server storage medium 1115 (11620d).

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.

117 is a diagram showing a system configuration for storing valid and valid profitability information by receiving profitability information from an insurance individual customer group profitability calculation server 7603 and an insurance company customer group profitability calculation server 7692 according to an embodiment of the present invention. It is.

More specifically, Figure 117 shows the personal customer group, corporate customer group customer information (eg, social security number, customer name, etc.), profitability information associated with the customer information insurance personal customer group profitability calculation server (7683), insurance corporate customers The internal structure of the system for receiving the information from the group profitability calculation server 7692 to confirm the validity of the individual customer group profitability information and the corporate customer group profitability information, and to store and register the validated profitability information as shown in FIG. 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 117, but the present invention is not limited to this drawing 117, 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 ( 7695), the insurance individual customer group profitability calculation server (7683) that provides profitability information to the insurance integrated customer profit calculation server (7695) by calculating profitability by linking the profitability information of the individual customer group with the insurance system 7698 Insurance company customer group profitability calculation server (7692) that provides profitability information to insurance integrated customer profit calculation server (7695) by calculating profitability by linking profitability information of the group with insurance system (7698), branch of financial institution (or At least one financial transaction (eg, through one or more face-to-face or non-face-to-face financial channels) Insurance system 7698 for providing services such as guarantee insurance sales, savings insurance sales, etc.).

The insurance integrated customer profitability calculation server 7695 receives customer information and profitability information associated with the customer information from an insurance individual customer group profitability calculation server 7603 and an insurance company customer group profitability calculation server 7692. It is preferable to check the profitability of the individual customer group and the profitability of the corporate customer group according to the information, and those skilled in the art belong to the present invention. Various information for calculating the insurance integrated profitability, such as the cost (e.g., employee wages) for the employee in charge, may be added. However, in FIG. Omit.

Here, it is preferable that the information on the required cost of the employee means costs such as direct and indirect costs for the employee who sells the insurance product subscribed 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 insurance customer profit calculation server 7695 includes 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 saving the profitability calculation results for each group. It is linked through.

Referring to FIG. 117, the insurance integrated customer profitability calculation server 7695 receives customer information of an individual customer group and personal customer group profitability information associated with the customer information from the insurance personal customer group profitability calculation server 7603. Or an information receiving unit 11700 (or information) including at least one function of receiving customer information of an enterprise customer group and corporate customer group profitability information associated with the customer information from the insurance corporate customer group profitability calculation server 7692. Receiving means), information confirmation unit (11710) (or information confirmation means) for confirming the information received from the insurance individual customer group profitability calculation server (7683), insurance company customer group profitability calculation server (7692), the confirmed profitability And an information storage unit 1720 (or information storage means) for storing information in the D / B.

According to the exemplary embodiment of the present invention, the information receiving unit 11700 provides customer information and profitability information associated with the customer information from the insurance individual customer group profitability calculation server 7603 and the insurance company customer group profitability calculation server 7692. Received and provided to the information verification unit (11710).

According to the exemplary embodiment of the present invention, the information checking unit 1710 checks the individual customer group in the customer information received from the information receiving unit 11700 and the profitability information associated with the customer information, and stores the information storage unit 1720. Or the corporate customer group is identified from the customer information received from the information receiving unit 11700 and profitability information associated with the customer information, and provided to the information storage unit 1720.

According to the implementation method of the present invention, the information storage unit 1720 is provided D / B provided in the insurance integrated customer profitability calculation server 7695 the profitability information of the individual customer group, corporate customer group provided by the information receiving unit 11700 In this case, the data is interlocked with a separate D / B server having a D / B for storing profitability information of the individual customer group and the corporate customer group provided by the information checking unit 1117.

According to the implementation method of the present invention, the insurance personal customer group profitability calculation server 7603 receives the ledger information from the ledger D / B in the insurance system 7698 in association with the insurance systems 7698 and 7698. It provides a function for calculating the profitability of the group, and since the detailed description of the internal configuration has been described with reference to FIG.

According to the implementation method of the present invention, the insurance corporate customer group profitability calculation server 7692 is provided with the ledger information from the ledger D / B in the insurance system 7698 in association with the insurance system 7698, 7698 It provides a function for calculating the profitability of the group, the detailed description of the internal configuration has been described with reference to Figure 115, it will be omitted.

According to the implementation method of the present invention, the insurance system 7698 is linked with the ledger D / B in the insurance system (7698) in association with the individual customer group profitability calculation server, the enterprise customer group profitability calculation server to It provides a function for providing 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 113, it is omitted.

In addition, the ledger information for the ledger D / B of the insurance system 7698 includes more information than the information shown in the ledger D / B of the insurance system 7698 shown in FIG. Only the information for calculating customer group profitability is shown.

118 illustrates an operation flow 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.

More specifically, FIG. 118 shows the personal customer group profitability information from the D / B of the insurance personal customer group profit calculation server 7603 shown in FIG. 107, or the insurance company customer group profitability calculation server shown in FIG. The profitability information of the two groups (individual customer group and corporate customer group) is checked through the integrated insurance customer profit calculation server 7695 shown in FIG. And the process of storing and registering the checked information in the D / B of the insurance integrated customer profitability calculation server 7695. If a person having ordinary knowledge in the field to which the present invention belongs, the present invention will be described with reference to FIG. Various implementation methods of the system for insurance integrated profitability calculation may be inferred, but the present invention is not limited to this figure 118, and includes all the implementation methods inferred.

Hereinafter, in FIG. 118, the insurance integrated customer profit calculation server 7695 shown in FIG. 117 is referred to as "server" for convenience.

Referring to FIG. 118a, the server accesses the insurance individual customer group profitability calculation server 7603 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (11800a).

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 to make.

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 7603 (11805a).

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 only the portion of the individual customer group is processed in this figure 118a. (11810a).

Thereafter, the server stores and registers the profitability information of the identified individual customer group in the server storage medium 1730 (11815a).

Referring to FIG. 118b, the server accesses the insurance corporate customer group profitability calculation server 7692 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (11800b).

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.

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 7692 (11805b).

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 only the portion of the corporate customer group is processed in this figure 118b. (11810b).

Thereafter, the server stores and registers the identified profitability information of the corporate customer group in the server storage medium 1730 (11815b).

Figure 119 shows a bank integrated customer profit calculation server (7615), securities integration customer profit calculation server (7635), trust integration customer profit calculation server (7655), card integrated customer profit calculation server (2675), according to the embodiment of the present invention; The system configuration for calculating integrated group profitability information by receiving customer information and profitability information from the insurance integrated customer profitability calculation server 7695 is shown.

In more detail, Figure 119 shows an individual customer group, a PB customer group, a special customer group, corporate customer group customer information (eg, social security number, customer name, etc.), and profitability information associated with the customer information. (7615), securities integration customer profit calculation server (7635), investment integration customer profit calculation server (7655), card integration customer profit calculation server (2675), insurance integrated customer profit calculation server (7695), by customer group Extracting profitability information and checking the extracted profitability information, which shows the internal configuration of the system for calculating the group integration profitability, the person who has ordinary knowledge in the field to which the present invention belongs, will refer to this figure 119 Various implementation methods of the system for profitability calculation may be inferred, but the present invention is not limited to this drawing 119, but includes all the implementation methods inferred. The.

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, withdrawal fees for negotiable deposit certificates, handling fees by wrap accounts, repayment 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 preferably comprises at least one of handling fees by currency futures, handling fees by interest rate futures, handling fees 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 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 information of the guaranteed insurance includes 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 automobile insurance. It is preferable to comprise at least 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. Bank integrated customer profitability calculation server (7615) to calculate profitability by bank's customer group to calculate integrated profitability information, securities integration customer profitability calculation server (7635) to calculate profitability by customer group of securities; Server (7655), card integrated customer profitability calculation server for calculating profitability of each customer group of card (2675), insurance integrated customer profitability calculation server (7695) for profitability calculation for customer group of insurance, bank, securities, trust, card All customers by receiving customer information and profitability information for each customer group from group affiliates such as insurance, insurance, or affiliates It characterized in that it comprises a group integrated customer profitability calculation server 7600 for calculating profitability information for each customer group.

The group integrated customer profitability calculation server 7600 includes customer information, profitability information associated with the customer information, bank integration customer profitability calculation server 7615, securities integration customer profitability calculation server 7635, and trust integration customer profitability calculation server ( 7655), a card integrated customer profitability calculation server (2675), insurance integrated customer profitability calculation server (7695) received from the method of calculating the profitability of each of the group integration according to the customer information is preferred, in the field to which the present invention belongs If you have the knowledge of the company, refer to this figure 119 to add a variety of information for the calculation of group integration profitability, such as the cost (e.g., employee wages) for the employee in charge of the customer in the method of confirming the group integration profitability. However, in FIG. 119, the factor of the employee's cost is omitted since it is not used to calculate profitability.

In this case, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells the fund product to the customer.

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

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

The group integrated customer profitability calculation server 7600 includes a D / B for storing profitability calculation results for each customer according to the group, or a separate D / B for storing profitability calculation results for each customer according to the group. Interlocked with D / B server and communication network.

Referring to FIG. 119, the group integrated customer profit calculation server 7600 receives customer information from the bank integrated customer profit calculation server 7715 and profitability information for each customer according to the customer classification of the bank associated with the customer information. Or receiving customer information from the securities integrated customer profitability calculation server 7635, profitability information for each customer according to the customer classification of the securities linked to the customer information, or customer information from the investment integration customer profitability calculation server 7755. Receive customer-specific profitability information according to the customer classification of the investment linked to the customer information, or from the card integrated customer profitability calculation server (2675) customer information, customer-specific profitability information according to the customer classification of the card linked to the customer information Receipt for each customer according to the customer information of the customer information, insurance associated with the customer information from the insurance integrated customer profitability calculation server 7695 Information receiving unit (11900) (or information receiving means), the bank integrated customer profit calculation server (7615), the securities integration customer profit calculation server (7635), the trust integration customer Information extraction unit 11905 (or information extraction means) for extracting the necessary information from the information received from the profitability calculation server 7655, the card integrated customer profitability calculation server 2675, the insurance integrated customer profitability calculation server 7695 Information checking unit 1119 (or information checking means) for confirming the extracted information, a profitability calculating unit 1119 (or profitability calculating means) for calculating profitability information from the identified information, and the profitability calculation information D And an information storage unit 11920 (or information storage means) for storing in / B.

According to the exemplary embodiment of the present invention, the information receiving unit 11900 may include customer information and profitability information associated with the customer information in the bank integrated customer profit calculation server 7615, the securities integration customer profit calculation server 7635, and the investment. An integrated customer profit calculation server 7755, the card integrated customer profit calculation server 2475, and the insurance integrated customer profit calculation server 7695 are provided to the information extraction unit 11905.

According to the exemplary embodiment of the present invention, the information extracting unit 11905 extracts the customer information for each group to which the customer belongs from the customer information and the profitability information associated with the customer information provided by the information receiving unit 11900 to check the information. It is provided to the unit (11910).

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 1119 checks the information on the individual customer group in the customer information provided by the information extracting unit 11905 and the profitability information associated with the customer information, and stores the information. The information provided by the unit 11920 or the information checking unit 1119 checks the information on the PB customer group in the customer information provided by the information extracting unit 11905 and the profitability information associated with the customer information. The information provided by the storage unit 11920 or the information checking unit 1119 may check the information on the special customer group in the customer information provided by the information extracting unit 11905 and the profitability information associated with the customer information. The information storage unit 11920 or the information checking unit 1119 may provide information about the corporate customer group based on the customer information provided by the information extracting unit 11905 and the profitability information associated with the customer information. To check the information and provides it to the storage section (11 920).

In addition, the information checking unit 1119 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 extraction unit 11905 to the profitability calculation unit 1119. Alternatively, the information checking unit 1119 may check the information about the PB customer group in the customer information provided by the information extracting unit 11905 and the profitability information associated with the customer information, and calculate the profitability calculating unit 1119. Alternatively, the information checking unit 1119 may check the information on the special customer group in the customer information provided by the information extracting unit 11905 and the profitability information associated with the customer information, and calculate the profitability calculating unit 1119 15. Or the information checking unit 1119 checks the information on the corporate customer group in the customer information provided by the information extracting unit 11905 and the profitability information associated with the customer information. And provides it to the margin calculation section (11 915).

The profitability calculation unit 1119 is 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 1119, such as a bank, a securities, a trust, a card, and an insurance. It is characterized by calculating the profitability information for each customer by the integrated customer group in connection with all of the customer information, and provides the calculated customer information, profitability information associated with the customer information to the information storage unit (11920).

According to the exemplary embodiment of the present invention, the profitability calculation unit 1119 may calculate the customer information for the individual customer group provided by the respective servers, and the customer matching the individual customer group in the profitability information associated with the customer information. It is desirable to calculate group integrated profitability information for individual customer groups by checking the customer information for each group provided by each server.

In addition, the profitability calculation unit 1119 may provide the customer information for the PB customer group provided by the respective servers and the group that provides the corresponding customers to the PB customer group in the profitability information associated with the customer information at each server. It is desirable to calculate group integrated profitability information for PB customer groups by checking customer information.

In addition, the profitability calculation unit 1119 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 1119 may provide a group of customers providing information corresponding to the corporate customer group in the customer information on the corporate 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 corporate customer groups by checking customer information.

According to an exemplary embodiment of the present invention, the information storage unit 11920 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 1119 or the profitability calculating unit 1119. Is stored in the D / B provided in the group integrated customer profitability calculation server 7600, or provided by the personal information group, PB customer group, special customer group, company provided by the information check unit (11910) or profitability calculation unit (11915) 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.

According to the implementation method of the present invention, the bank integrated customer profit calculation server 7615 is the bank personal customer group profit calculation server 7603, the bank PB customer group profit calculation server 7706, the bank special customer group profit calculation server 7623 ), Receiving the customer information and profitability information associated with the customer information from the bank corporate customer group profitability calculation server 7612 provides a function for calculating the profitability for each customer group, the detailed description of the internal configuration through Figure 85 Since it demonstrated, illustration is abbreviate | omitted.

According to the implementation method of the present invention, the securities integrated customer profit calculation server 7635 is the securities individual customer group profit calculation server 7623, the securities PB customer group profit calculation server 7762, the securities special customer group profit calculation server 7629 ), The securities corporate customer group profitability calculation server (7632) receives the customer information, the profitability information associated with the customer information provides a function to calculate the profitability for each customer group, the detailed description of the internal configuration through the drawing 95 Since it demonstrated, illustration is abbreviate | omitted.

According to the implementation method of the present invention, the integrated investment customer profit calculation server 7655 is the investment personal customer group profit calculation server 7643, the investment PB customer group profit calculation server 7646, the investment special customer group profit calculation server 7649 ), Receiving the customer information and profitability information associated with the customer information from the trusting enterprise customer group profitability calculation server 7762 provides a function for calculating the profitability for each customer group, the detailed description of the internal configuration through the drawing 105 Since it demonstrated, illustration is abbreviate | omitted.

According to the implementation method of the present invention, the card integrated customer profit calculation server (2675) is linked to the customer information, the customer information from the card personal customer group profit calculation server (7663), the card enterprise customer group profit calculation server (7672) 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 111, it will be omitted.

According to the implementation method of the present invention, the insurance integrated customer profit calculation server 7695 is linked to the customer information, the customer information from the insurance individual customer group profitability calculation server (7683), insurance company customer group profitability calculation server (7692) Providing the function to calculate the profitability for each customer group by receiving the profitability information, a detailed description of the internal configuration has been described with reference to Figure 117, it is omitted.

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

More specifically, FIG. 120 shows individual customer group profitability information, PB customer group profitability information, special customer group profitability information, and corporate customer group profitability information from the D / B of the bank integrated customer profitability calculation server 7615 shown in FIG. 85. Or 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 securities integrated customer profitability calculation server 7635 shown in FIG. Individual customer group profitability information, PB customer group profitability information, special customer group profitability information, corporate customer group profitability information, the card integrated customer shown in Figure 111 From the D / B of the profitability calculation server 2675 to the D / B of the individual customer group profitability information, the corporate customer group profitability information, and the insurance integrated customer profitability calculation server 7695 shown in FIG. The four groups (Personal Customer Group, PB Customer Group, Special Customer Group, Corporate Customer) through the Group Integrated Customer Profitability Calculation Server 7600, bringing personal customer group profitability information and corporate customer group profitability information. The process of checking profitability information for a group) and storing and registering the identified information in the D / B of the group integrated customer profit calculation server 7600, and has a general knowledge in the field to which the present invention belongs. If so, various implementation methods of the system for calculating the group integrated profitability may be inferred with reference to this drawing 120, but the present invention is not limited to the drawing 120, and includes all the implementation methods inferred.

Hereinafter, in FIG. 120, the group integrated customer profit calculation server 7600 shown in FIG. 119 is referred to as a "server" for convenience.

Referring to FIG. 120a, the server integrated customer profit calculation server 7615, the security integration customer profit calculation server 7635, the investment integration customer profit calculation server 7755, and the card integration are provided through a predetermined communication network in the server. A customer profit calculation server 2675 is connected to the insurance integrated customer profit calculation server 7695, and the bank integrated customer profit calculation server 7615, the securities integration customer profit calculation server 7635, and the investment integration customer profit calculation are made. The server 7655, the card integrated customer profit calculation server 2675, and the insurance integrated customer profit calculation server 7695 provide the server with customer information for profitability calculation and profitability information associated with customer information (12000a). ).

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 on 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, withdrawal fees for negotiable deposit certificates, handling fees by wrap accounts, repayment 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 the card loan loan, 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 information of the guaranteed insurance includes 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 automobile insurance. It is preferable to comprise at least 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 may include the bank integrated customer profit calculation server 7615, the securities integrated customer profit calculation server 7535, the investment integration customer profit calculation server 7555, the card integrated customer profit calculation server 2757, and the card integration customer profit calculation server 7757. The information corresponding to the individual customer group is extracted from the profitability information provided from the insurance integrated customer profitability calculation server 7695 (12005a).

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. 120a, only the portion of the individual customer group is processed. (12010a).

Thereafter, the server calculates profitability information for each customer of the identified individual customer group (12015a), and stores and registers the server storage medium (11930) (12020a).

Referring to FIG. 120B, the server integrated customer profit calculation server 7615, the security integration customer profit calculation server 7635, the investment integration customer profit calculation server 7755, and the card integration are provided through a predetermined communication network in the server. A customer profit calculation server 2675 is connected to the insurance integrated customer profit calculation server 7695, and the bank integrated customer profit calculation server 7615, the securities integration customer profit calculation server 7635, and the investment integration customer profit calculation are made. The server 7655, the card integrated customer profit calculation server 2675, and the insurance integrated customer profit calculation server 7695 provide the server with customer information for profitability calculation and profitability information associated with customer information (12000b). ).

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.

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, withdrawal fees for negotiable deposit certificates, handling fees by lap accounts, repayment 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 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.

Subsequently, the server may include the bank integrated customer profit calculation server 7615, the securities integrated customer profit calculation server 7535, the investment integration customer profit calculation server 7555, the card integrated customer profit calculation server 2757, and the card integration customer profit calculation server 7757. The information corresponding to the PB customer group is extracted from the profitability information provided from the insurance integrated customer profitability calculation server 7695 (12005b).

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. 120b, only the portion of the PB customer group is processed. (12010b).

Thereafter, the server calculates profitability information for each customer of the identified PB customer group (12015b), and stores and registers the server storage medium (11930) (12020b).

Referring to FIG. 120C, the server integrated customer profit calculation server 7615, the securities integration customer profit calculation server 7635, the investment integration customer profit calculation server 7755, and the card integration are provided through a predetermined communication network in the server. A customer profit calculation server 2675 is connected to the insurance integrated customer profit calculation server 7695, and the bank integrated customer profit calculation server 7615, the securities integration customer profit calculation server 7635, and the investment integration customer profit calculation are made. The server 7655, the card integrated customer profit calculation server 2675, and the insurance integrated customer profit calculation server 7695 provide the server with customer information for profitability calculation and profitability information associated with customer information (12000c). ).

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, withdrawal fees for negotiable deposit certificates, handling fees by wrap accounts, repayment 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 pre-tax commissions, Revenue from commissions from mixed funds, Revenue from management fees by MMF, Revenue from commissions by MMF, Revenue from commissions by MMF, Revenue from derivatives, Derivatives At least one of the commission refund commission income and the commission refund commission 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.

Subsequently, the server may include the bank integrated customer profit calculation server 7615, the securities integrated customer profit calculation server 7535, the investment integration customer profit calculation server 7555, the card integrated customer profit calculation server 2757, and the card integration customer profit calculation server 7757. The information corresponding to the special customer group is extracted from the profitability information provided from the insurance integrated customer profitability calculation server 7695 (12005c).

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. 120c, only the part of the special customer group is processed. (12010c).

Thereafter, the server calculates profitability information for each customer of the identified special customer group (12015c), and stores and registers the server storage medium (11930) (12020c).

Referring to FIG. 120D, the server integrated customer profit calculation server 7615, the security integration customer profit calculation server 7635, the investment integration customer profit calculation server 7755, and the card integration are provided through a predetermined communication network in the server. A customer profit calculation server 2675 is connected to the insurance integrated customer profit calculation server 7695, and the bank integrated customer profit calculation server 7615, the securities integration customer profit calculation server 7635, and the investment integration customer profit calculation are made. The server 7655, the card integrated customer profit calculation server 2675, and the insurance integrated customer profit calculation server 7695 provide the server with the customer information for profitability calculation and profitability information associated with the customer information (12000d). ).

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 include at least one.

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, withdrawal fees for negotiable deposit certificates, handling fees by wrap accounts, repayment 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, such as handling fees for securities transactions through the call center, securities transactions over 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 fee income from overseas funds, operating fee revenue from overseas funds, mid-term purchase commission income from overseas funds, operating commission income from equity funds, and midway equity funds. Repurchase fee income, mid-term repayment fee income from equity fund, operating fee income from bond fund, middle repayment fee income from bond fund, mid-term repayment fee income from bond fund, operating fee income from mixed fund, mixed fund Revenue from Medium Revenue Commissions, Revenue from Medium Revenue Commissions by Hybrid Funds, Revenue from Management Fees by MMFs, Revenue of Revenue Commissions by MMFs, Revenue from Centre-Funds Commissions by MMFs, Revenue from Management Fees by Derivatives, Derivatives At least one of the commission refund commission income and the commission refund commission 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 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.

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 may include the bank integrated customer profit calculation server 7615, the securities integrated customer profit calculation server 7535, the investment integration customer profit calculation server 7555, the card integrated customer profit calculation server 2757, and the card integration customer profit calculation server 7757. The information corresponding to the special customer group is extracted from the profitability information provided from the insurance integrated customer profitability calculation server 7695 (12005d).

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. 120d, only the part of the special customer group is processed. (12010d).

Then, the server calculates the profitability information for each customer of the identified special customer group (12015d), and stores and registers the server storage medium (11930) (12020d).

According to the present invention, by dividing the interface system into three hierarchical layers and providing more detailed management analysis information to lower hierarchies, it is possible to propose a method for effective management performance management and decision making based on management analysis information. .

Here, when the profit for the product currently being sold by the organization / product among the provided management information is excellent, it is possible to generate more profit by further strengthening the marketing of the product, if the profit for the product is bad, It can provide information about decisions such as suspending the sale of goods.

In addition, the financial institution can check the results of the organizational profit and loss simulation, predict the past and future profit and loss, and set the management goals based on the prediction results.

Claims (1)

Various financial services handled by a plurality of organizations equipped with financial institutions on the server are categorized into individual customer groups, special customer groups, private bank (PB) customer groups, corporate customer groups, comprehensive financial groups, funds / Group into one of the international group and the trust group, calculate the profitability information for each group corresponding to the grouped one or more groups, and according to the employee rights corresponding to each group the calculated profitability information and financial information for each group Classifying and storing; When the terminal requests the profitability information of a specific group, the server checks the employee rights information for each group corresponding to the terminal user, and providing the terminal with profitability information and financial information corresponding to the confirmed employee rights; Differentiated profitability information providing method comprising the.

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