KR100897064B1 - System and Method for Providing Industry Financial Transaction Market Information and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for providing corporate financial transaction marketing information and a program recording medium therefor. The method for providing corporate financial transaction marketing information according to the present invention includes a predetermined financial system and a credit rating agency system using predetermined information collecting means. Collecting at least one or more of predetermined transaction information and external transaction information of a predetermined company from an external institution system; and collecting the obtained transaction information in connection with a predetermined marketing D / B in a predetermined information analysis means. Analyzing at least one or more information of the external transaction information into at least one basic warning, unusual transaction, or exit sign, and corresponding to the basic warning, unusual transaction, or exit sign collected for the company by a predetermined information providing means. Recommended marketing information, and the analyzed at least one basic warning, specific transaction, and exit sign Providing a report to a predetermined employee terminal; receiving recommended marketing information for the company from the employee terminal in a predetermined information receiving means; receiving input marketing information; and receiving the corporate information from the predetermined information storage means. And linking the marketing information to a predetermined storage medium.

 Corporate Financial Transactions, Marketing Support, Departure Signs

Description

System and Method for Providing Industry Financial Transaction Market Information and Program Recording Medium}

1 is a diagram illustrating a marketing information registration system for providing a marketing service for a basic warning or an unusual transaction or a departure sign according to an embodiment of the present invention.

2 is a diagram illustrating a process of registering marketing provision information to provide a marketing service for a basic warning or a specific transaction or a departure sign according to an embodiment of the present invention.

3 is a diagram illustrating a process for providing recommendation marketing information for a basic warning or a specific transaction or a departure sign according to an embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information storage unit

130: information analysis unit 135: information provider

140: information collecting unit 145: storage medium

150: marketing D / B 155: employee terminal

The present invention collects at least one or more of predetermined transaction information and external transaction information for a predetermined company from a predetermined financial system, a credit rating agency system, and an external institution system in a predetermined information collecting means, and the predetermined information. Analyzing at least one or more of the collected transaction information and external transaction information in association with a predetermined marketing D / B by at least one basic warning, a specific transaction, or a departure signal, and predetermined information providing means Providing recommended marketing information corresponding to basic warnings, unusual transactions, and departure signs collected for the company, and the analyzed at least one basic warning, unusual transactions, and departure signs information to predetermined employee terminals; Input marketing by checking recommended marketing information for the company from the employee terminal It relates to a method for providing corporate financial transaction marketing information comprising the step of receiving information and the step of linking the corporate information and marketing information in a predetermined information storage means and stored in a predetermined storage medium.

Due to the rapid development of the financial industry and the rapid development of the modern society, many companies are receiving various services through financial institutions.

In the above situation, companies want to be provided with services through better financial institutions, which causes them to change their accounts to other financial institutions.

In other words, from the financial institution's point of view, the departure to another financial institution is a problem that is a big loss.

In addition, for a company that shows signs of departure, if an employee checks by hand, too much work is created for the employee, which is a difficult problem.

An object of the present invention for solving the above problems, information collection means for collecting at least one or more of the predetermined transaction information and external transaction information for a given company from a predetermined financial system, credit rating agency system, external institution system And information analysis means for analyzing at least one or more of the collected transaction information and external transaction information in association with a predetermined marketing D / B by at least one basic warning, a specific transaction, or a departure sign, and for the company. Recommended marketing information corresponding to the collected basic warnings, unusual transactions and departure signs, information providing means for providing the analyzed at least one basic warning, unusual transactions and departure signs information to a predetermined employee terminal, and from the employee terminals Information receiving means for checking the recommended marketing information for the company to receive the input marketing information and the The present invention provides a corporate financial transaction marketing information providing system including an information storing means for linking and processing corporate information and marketing information in a predetermined storage medium.

The method for providing corporate financial transaction marketing information according to the present invention includes at least one of predetermined transaction information and external transaction information for a predetermined company from a predetermined financial system, a credit rating agency system, and an external institution system in a predetermined information collecting means. Collecting at least one or more of the collected transaction information and external transaction information in association with a predetermined marketing D / B by at least one basic warning, a specific transaction, or a departure sign in a predetermined information analysis means. Analyzing, recommending marketing information corresponding to the basic warnings, singular transactions, and departure signs collected for the company by predetermined information providing means, and analyzing the at least one basic warning, singular transactions, and departure signs information analyzed. Providing from the employee terminal to the enterprise in a predetermined information receiving means. Check the like marketing information to process the step of receiving the input information and the company marketing information and marketing information in a predetermined information storing means linked to and characterized by comprising the step of storing in a storage medium.

In the method for providing corporate financial transaction marketing information according to the present invention, the basic warning includes the expiration of at least one or more credits or receptions of the company, the case of not using a corporate card, and the special transaction, Changes in at least one or more credits or receipts of a company, delinquency incurred, or exchange rate fluctuations in foreign currencies frequently traded by the company, and the delinquency sign includes the amount of the transaction amount traded by the company through an external financial institution. According to the fluctuation, the transaction amount increases.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-described method for providing corporate financial transaction marketing information.

Meanwhile, the corporate financial transaction marketing information providing system according to the present invention collects at least one or more of predetermined transaction information and external transaction information for a predetermined company from a predetermined financial system, a credit rating agency system, and an external institution system. Information analysis means, information analysis means for analyzing at least one or more information of the collected transaction information and external transaction information in association with a predetermined marketing D / B by at least one basic warning, a specific transaction, or a departure sign; Recommendation marketing information corresponding to basic warnings, unusual transactions, and departure signs collected for a company; information providing means for providing the analyzed at least one basic warning, unusual transactions, and departure signs information to a predetermined employee terminal; Information for checking the recommended marketing information for the company from the employee terminal to receive the input marketing information Processing the new device and the enterprise information associated with marketing information and is characterized in that obtained by having a data storage means for storing in a predetermined storage medium.

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

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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.

In addition, the following embodiments will be described based on the corporate customer, but those who have ordinary technical knowledge in the technical field to which the present invention belongs, infer the implementation method to apply to all customers who deal with financial institutions other than the corporate customer. It will be appreciated that the present invention is by no means limited thereto.

1 is a diagram illustrating a marketing information registration system for providing a marketing service for a basic warning or a specific transaction or a departure sign according to an embodiment of the present invention.

In more detail, FIG. 1 includes at least one customer information and marketing information for a predetermined employee to provide a marketing service for a basic warning or a specific transaction or a departure sign to a marketing information registration system through a predetermined information registration interface. The present invention relates to a system configuration in which the marketing information registration system associates and processes the customer information and marketing information included in the provided marketing information in a predetermined storage medium 145 in the marketing information registration system. Those skilled in the art may refer to and / or modify this drawing to infer various implementation methods for the construction of a marketing information registration system for providing marketing services for basic warnings or unusual transactions or departure signs. It will be appreciated that the present invention is directed to all embodiments inferred from the above. Inclusion and shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, at least one means and / or functional configuration for storing the marketing provision information provided from the employee in the storage medium 145 through a predetermined information registration interface on the marketing information registration system shown in FIG. The component to be referred to as "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a marketing information registration system for providing a marketing service for the basic warning or unusual transaction or departure sign may include at least one wired terminal and / or wireless terminal used by an employee. And an employee terminal 155 including at least one client terminal and the like, wherein the employee terminal 155 is an information registration server provided on the marketing information registration system through a predetermined network means. The communication channel 100 is connected.

According to one embodiment of the present invention, the employee connects to the information registration server 100 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When inputting (or selecting) marketing provision information for providing a marketing service for the basic warning or a specific transaction or a departure sign through at least one user interface provided by the information registration server 100, the client terminal may provide a predetermined information. It is preferable to transmit to the information registration server 100 provided on the marketing information registration system through a network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; 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), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless day It is preferable to include at least one or more wireless data communication terminal connected to the communication network.

Also, the information registration server 100 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 100 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless communication network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 100, and inputs and / or selects at least one or more information through the user interface to the information registration server 100. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the marketing information registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the employee, and at least one wireline connecting the client terminal and the information registration server 100. The communication network and / or the wireless communication network perform a function of an information registration interface for registering the marketing provision information for the employee to provide the marketing service for the basic warning or special transaction or departure sign.

According to another exemplary embodiment of the present invention, the employee terminal 155 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the marketing information registration system as described above, when the employee terminal 155 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server. The financial network connecting 100 performs the function of an information registration interface for registering the marketing provision information for the employee to provide the marketing service for the basic warning or unusual transaction or departure sign, and / or the employee When the terminal 155 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 100 may be used. The function of the information registration interface for registering the marketing provision information for the employee to provide the marketing service for the above basic warning or special transaction or departure sign And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the employee terminal 155 (not shown), and the terminal (and / or server) (not shown) and the The network connecting the terminal (and / or server) (not shown) and the information registration server 100 is for the employee to register the marketing provision information for providing the marketing service for the basic warning or special transaction or departure signs. Performs the function of the information registration interface.

The storage medium 145 provided on the marketing information registration system according to the present invention associates the customer information and marketing information included in the marketing information provided from the employee terminal 155 with a predetermined storage medium ( 145), wherein the marketing providing information including at least one of the customer information and the marketing information stored in the storage medium 145 is used to provide a marketing service for the basic warning or special transaction or departure sign. Is used.

The customer information includes company information (eg, name of company, business registration number, business address, business phone number, contact person or representative mail address, etc.) for the customer to be provided with the marketing, and member information of the customer (eg, the Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the product control transfer information registration system in response to the enterprise by joining the financial transaction customer of the financial institution. ), Etc.) and at least one or more), and may be changed according to the intention and purpose of those skilled in the art.

The marketing information may include financial services (e.g., change in interest rate, recommendation for subscription to products that are better than previously subscribed products, point payment according to transaction performance, etc.) for providing to clients who need to leave or cross-sell. It is preferable to include, and those skilled in the art to which the present invention pertains, because they will be familiar with the technical characteristics of various methods, such as providing marketing, detailed description thereof will be omitted.

According to an embodiment of the present invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the marketing information registration system (or associated with the marketing information registration system). The storage medium 145 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 145 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the marketing information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the marketing information registration system according to the present invention is a generic term for the marketing information registration system side components connected to the employee terminal 155 through a predetermined network means, and includes at least one or more components. It may be implemented by including a server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the employee terminal 155 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 100 is A predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the Internet banking server (and / or the server (or device)). Or a device), and / or a program provided in the external world on the financial system, whereby the present invention is limited. It does not.

According to another embodiment of the present invention, when the employee terminal 155 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 100 is the wireless banking system. A predetermined wireless banking server provided on and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the employee terminal 155 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 100 may be configured as the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the computer, and / or a program provided in the telebanking server, and / or an external system of the financial system through the telebanking system A predetermined server (or device) accessible to the program, a program included in the server (or device), and / or on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited. The.

According to another exemplary embodiment of the present invention, when the employee terminal 155 is a wired terminal (or two-way digital TV) capable of connecting with a TV banking server on a predetermined TV banking system, the information registration server 100 is connected to the TV. A predetermined TV banking server provided on a banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the TV banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 100 includes an interface unit (or interface means) 105 for connecting and managing a predetermined communication channel with the employee terminal 155 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the employee terminal 155 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 100, the interface unit 105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the employee terminal 155 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on a protocol stack defined in the wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the information registration server 100, the interface unit 105 is based on the CDMA protocol with the client terminal. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the employee terminal 155 is a financial automatic device connected to a predetermined financial network, the interface unit 105 is based on the financial stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the employee terminal 155 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 105 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the employee terminal 155 is a wired terminal (or a two-way digital TV) connected to the TV banking system, the interface unit 105 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 1, the information registration server 100 has a predetermined employee terminal 155 connecting a communication channel with the information registration server 100 through the interface unit 105, and then the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined marketing provision information from the employee terminal 155 to the employee terminal 155 in association with the employee terminal 155. Or an interface providing unit 110 and an information receiving unit for receiving predetermined marketing providing information inputted (or selected) and transmitted from the employee terminal 155 through the user interface in cooperation with the interface unit 105 ( Or an information storage means (115) and an information storage unit (or tablet) for storing the customer information and marketing information included in the received marketing offer information in a predetermined storage medium 145. Beam storage means) is characterized in that it comprises a (125).

The interface providing unit 110, after a predetermined employee terminal 155 connects the communication channel with the information registration server 100 through the interface unit 105, the functional terminal provided in the employee terminal 155 A predetermined user interface capable of inputting (or selecting) the marketing provision information to be transmitted to the information registration server 100 via the network means, and / or extracting from a predetermined database (not shown). In addition, the user interface generated through the network means is provided to the employee terminal 155 through the network means in conjunction with the interface unit 105.

Thereafter, the employee terminal 155 inputs (or selects) marketing providing information including at least one of the customer information and marketing information based on the user interface, and displays the input (or selected) marketing providing information. It transmits to the information registration server 100 through a financial network.

According to an embodiment of the present invention, when the employee terminal 155 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 110 may include Generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and convert the generated (or extracted) user interface to the client terminal through the interface unit 105. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the employee terminal 155 is a financial automation device connected to a predetermined financial network, the interface providing unit 110 provides a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine via the interface unit 105.

According to another embodiment of the present invention, when the employee terminal 155 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the employee terminal 155 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 110 may call the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS based user interface) through the interface unit 105 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the employee terminal 155 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 110 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 105.

According to another embodiment of the present invention, a predetermined having at least one user interface for inputting (or selecting) the marketing provision information to the employee terminal 155 and transmitting it to the information registration server 100 through the network means. If the information registration program is provided, the interface providing unit 110 for providing the user interface to the employee terminal 155 may be omitted, thereby not limited to the present invention.

When the information receiving unit 115 inputs (or selects) marketing providing information including at least one of customer information and marketing information through the user interface, the employee terminal 155 transmits the information through the network means. And the marketing providing information in connection with the unit 105, and provides the received marketing providing information to the validity confirming unit (or validity confirming unit) 120.

The validity confirming unit 120 checks whether the marketing provision information received from the employee terminal 155 satisfies the validity for providing the marketing service for the basic warning or the specific transaction or the departure sign.

According to an embodiment of the present invention, the validity of the marketing provision information is determined whether at least one ledger information matching the marketing provision information is registered in the ledger D / B on the financial system associated with the marketing information registration system. It is preferable that it consists of including.

For example, the validation of the marketing provision information includes checking whether the customer information included in the marketing provision information matches the customer ledger stored in the ledger D / B on the financial system associated with the marketing information registration system. It is preferable.

When the validity of the marketing provision information is confirmed, the information storage unit 125 stores the information on the storage medium 145 by linking and processing the customer information and marketing information included in the marketing provision information. When the storage medium 145 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit 125 is included in the received marketing provision information. It is preferable to store the stored customer information and marketing information in association with the storage medium 145. When the storage medium 145 is provided in a DBMS provided on a financial system, the information storage unit 125 Preferably, the customer information and marketing information included in the received marketing provision information are provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system. .

Referring to FIG. 1, the information registration server 100 is connected to a financial institution, a credit rating period system, a bank association system, and a system including at least one external institution system. Information for collecting at least one external transaction information (eg, financial transaction information, credit rating information, financial information, affiliate information, industry information, etc.), current transaction information (eg, account information, transaction information, foreign exchange performance information, etc.) At least one collection unit (or information collecting means) 140, at least one or more of the collected external transaction information (eg, financial transaction information, credit rating information, financial information, affiliate information, industry information, etc.), current transaction information And an information storage unit 125 for storing the data in the storage medium 145 in association with the information.

The information collecting unit 140 is connected to a system including at least one financial system, a credit rating period system, a bank association system, an external institution system, and external transaction information (eg, Financial transaction information, credit rating information, financial information, affiliate information, industry information, etc.) and current transaction information (eg, account information, transaction information, foreign exchange performance information, etc.).

According to an embodiment of the present invention, the information collection unit 140 is a customer who subscribes to the financial institution in connection with a system including at least one predetermined financial system, credit rating period system, bank association system, and external institution system. Collect at least one external transaction information (eg, financial transaction information, credit rating information, financial information, affiliate information, industry information, etc.), current transaction information (eg, account information, transaction information, foreign exchange performance information, etc.) It is preferable.

The external transaction information is credit rating information generated by financial transaction information on a transaction with an external financial institution for a customer who subscribes to the financial institution, for a predetermined cause (for example, loan through another financial institution, bankruptcy of a company, etc.). It is preferable to include at least one or more credit rating information, financial information about the company, affiliate information associated with the company, industry information on the sector to which the company belongs, and may vary according to the intention and purpose of those skilled in the art. It may be.

In addition, the external transaction information, if the person having ordinary knowledge in the technical field to which the present invention belongs, will be familiar with the technical features of the external transaction, information other than the information listed above is omitted for convenience.

The current transaction information may include at least one or more of account information subscribed by the bank to the customer who has subscribed to the financial institution, transaction information that the customer has transacted through the financial institution, and foreign performance information. It may vary depending on intent and purpose.

In addition, the party transaction information is a person having ordinary knowledge in the technical field to which the present invention belongs, so the technical characteristics of the party transaction will be familiar with, and information other than the above listed information is omitted for convenience.

The information storage unit 125 stores the information on the storage medium 145 in association with at least one of the collected external transaction information and the current transaction information in association with the customer information.

According to an embodiment of the present invention, the information storage unit 125 preferably stores the external transaction information and the current transaction information in association with at least one of the customer information and stores them in the storage medium 145.

Referring to FIG. 1, the information registration server 100 may perform external transaction information (eg, financial transaction information, credit rating information, financial information, affiliate information, industry information, etc.) collected by the information collection unit 140. Information for analyzing basic warning, unusual transactions, and departure signs by checking the marketing D / B 150 associated with the information registration server 100 with transaction information (eg, account information, transaction information, foreign exchange performance information, etc.). Analyzing unit (or information analysis means) 130 and marketing information corresponding to the basic warning, unusual transaction, departure signs analyzed by the information analysis unit 130 to the employee through the basic warning, An information providing unit (or information providing means) 135 is provided to provide recommended marketing information for supporting marketing to a customer who has a singular transaction or departure sign.

The information analysis unit 130, the external transaction information (eg, financial transaction information, credit rating information, financial information, affiliate information, industry information, etc.) collected by the information collection unit 140, current transaction information (eg, account) Information, transaction information, foreign exchange performance information, etc.) by checking the marketing D / B 150 associated with the information registration server 100, characterized in that the analysis of the basic warning, unusual transactions, departure signs.

According to the implementation method of the present invention, the information analysis unit 130 collects external transaction information (eg, financial transaction information, credit rating information, financial information, affiliate information, industry information, etc.) collected by the information collection unit 140. Check the marketing D / B 150 associated with the information registration server 100 with current transaction information (eg, account information, transaction information, foreign exchange performance information, etc.) to analyze basic warnings, unusual transactions, and departure signs. It is desirable to.

The recommended marketing information may be provided to a customer who needs to leave a sign or cross-sold to a customer who needs cross-selling (for example, changing interest rates, recommending subscriptions to products that are better than previously subscribed products, and paying points based on transaction performance). It is preferable to include, and those skilled in the art to which the present invention pertains, since they will be familiar with the technical characteristics of various methods, such as providing marketing, detailed description thereof will be omitted.

Preferably, the basic warning includes at least one or more expiration of a credit or reception of a subscription or a credit card used by the customer, for a customer transacting through the financial institution. It may be changed according to the intention and purpose of a person skilled in the art.

The singular transaction may be applied to a customer who trades through the financial institution, the balance of credit or receipt subscribed to through the financial institution, the limit on the credit or the delinquency of the credit transaction or a corporate card, or the like. It is preferable to include at least one of non-payment and exchange rate fluctuation information, and may be changed according to the intention and purpose of those skilled in the art.

The delinquency sign is for a customer who trades through the financial institution, when the transaction amount increases according to a change in the transaction amount that is transacted through the external financial institution, or when the transaction amount is loaned through the external financial institution. It is preferable to include at least one or more variations, and may be changed according to the intention and purpose of those skilled in the art.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of the basic warning, specific transactions, departure signs, detailed description will be omitted for convenience.

The information providing unit 135 provides the employee with marketing information corresponding to the basic warning, the unusual transaction, and the departure signal analyzed by the information analysis unit 130, so that the basic warning, the special transaction, and the departure signal through the employee. Characterized in that the recommended marketing information for supporting the marketing to the customer has occurred.

According to the implementation method of the present invention, the information providing unit 135 provides the employee with marketing information corresponding to the basic warning, unusual transaction, and departure signal analyzed by the information analyzing unit 130 to the employee through the employee. It is desirable to provide recommended marketing information to support marketing to customers who have basic warnings, unusual transactions, and departure signs.

2 is a diagram illustrating a process of registering marketing provision information for providing a marketing service for a basic warning or a specific transaction or a departure sign according to an embodiment of the present invention.

In more detail, in FIG. 2, when the information registration server 100 on the marketing information registration system shown in FIG. 1 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 100 and connecting a communication channel for marketing information registration according to the present invention, the marketing including the customer information, marketing information to the information registration server 100 through the communication channel When the providing information is transmitted, the information registration server 100 relates to an implementation method of linking and processing the customer information and marketing information included in the received marketing offer information in a predetermined storage medium 145, the present invention. Those skilled in the art may refer to and / or modify the drawing 2 to the client terminal. A beam registration server 100 would be able to infer a variety of exemplary ways to attach the marketing service information, the present invention includes all embodiments how the inference, not limited to the exemplary method shown in the figure 2.

Hereinafter, in FIG. 2, the client terminal illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the information registration server 100 illustrated in FIG. 1 is referred to as a “server” for convenience and the information is registered in the client terminal. The customer information and marketing information transmitted to the server 100 are referred to as "marketing provision information" for convenience.

Referring to Figure 2, the client terminal shown in Figure 1 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for accessing the server through the communication network, and / or the IEEE 802.16x based portable Internet, etc. to register the marketing provision information, and providing the marketing service for the basic warning or special transaction or departure sign. When requesting the marketing provision information registration for (200), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for the marketing provision information registration (205), and through the communication channel The generated (or extracted) web page is transmitted to the terminal and output (210).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) marketing provision information including at least one of the customer information and marketing information in the terminal.

In addition, the web page transmission and / or output process is preferably performed at least one or more times in accordance with the marketing provision information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) marketing providing information including at least one or more customer information and marketing information through the information registration interface (215).

If marketing provision information including the customer information and marketing information is input (or selected) through the information registration interface in the terminal (220), the terminal inputs (or selects) the customer information through the communication channel. In operation 225, marketing information is transmitted to the server.

According to the exemplary embodiment of the present invention, transmitting the input (or selected) customer information and marketing information to the server through the communication channel includes the marketing provision information input (or selected) through the information registration interface. The method may further include transmitting the electronic signature and / or encryption to the server through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information and the marketing information through the communication channel to check the validity of the marketing providing information (230).

According to the exemplary embodiment of the present invention, the validity of the marketing provision information may be determined by decrypting the marketing provision information when the marketing provision information is electronically signed and / or encrypted through a security module provided in the terminal. And / or decrypting the marketing provision information.

According to an embodiment of the present invention, the validity of the marketing provision information is determined whether at least one ledger information matching the marketing provision information is registered in the ledger D / B on the financial system associated with the marketing information registration system. It is preferable that it consists of including.

For example, the validation of the marketing provision information includes checking whether the customer information included in the marketing provision information matches the customer ledger stored in the ledger D / B on the financial system associated with the marketing information registration system. It is preferable.

If the validity of the marketing provision information is not authenticated (235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (240), and information corresponding to the marketing provision information. Do not perform the registration process.

On the other hand, if the validity of the marketing provision information is authenticated (235), the server performs an information registration procedure corresponding to the marketing provision information, by linking the customer information, marketing information to a predetermined storage medium 145 Store at 245.

According to an embodiment of the present invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the marketing information registration system (or associated with the marketing information registration system). The storage medium 145 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 145 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the marketing information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (250), thereby completing the procedure of registering the marketing provision information transmitted from the terminal.

3 is a diagram illustrating a process for providing recommendation marketing information for a basic warning or a specific transaction or a departure sign according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a predetermined external transaction from a system including at least one of a financial system, a credit rating agency system, an external institution system, and a bank association system shown in FIG. 1 in the information registration server 100 shown in FIG. Collect at least one information (eg, financial transaction information, credit rating information, financial information, affiliate information, industry information, etc.), current transaction information (eg, account information, transaction information, foreign exchange performance information, etc.), A process for providing recommendation marketing information for basic warning or specific transaction or departure sign for analyzing the information and providing the recommended marketing service to the employee terminal 155 is shown in the art. Those skilled in the art may refer to and modify this drawing to provide recommended marketing information for the departure signs or cross-selling signs. Various implementation methods for the process may be inferred, but the present invention includes all implementation methods inferred above and is not limited by the drawing.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and modify the drawing 3, and provide basic warnings, unusual transactions, and departure signs in the process for providing recommended marketing information on the departure signs or cross-selling signs. Various implementation methods, such as modifying the order of comparison and the like, can be inferred, but are not limited thereto.

Hereinafter, in FIG. 3, the information registration server 100 is referred to as a "server" for convenience, and the employee terminal 155 is referred to as a "terminal" for convenience, and a financial system, a credit rating agency system, an external agency system, and a bank association system are used for convenience. It is called a "system".

Referring to FIG. 3, the server collects at least one external transaction information and a current transaction information in association with a system 300, and collects the at least one collected external transaction information and a current transaction information. The information is stored in a predetermined storage medium 145 provided in the server in association with the information (305).

The external transaction information is credit rating information generated by financial transaction information on a transaction with an external financial institution for a customer who subscribes to the financial institution, for a predetermined cause (for example, loan through another financial institution, bankruptcy of a company, etc.). It is preferable to include at least one or more credit rating information, financial information about the company, affiliate information associated with the company, industry information on the sector to which the company belongs, and may vary according to the intention and purpose of those skilled in the art. It may be.

In addition, the external transaction information, if the person having ordinary knowledge in the technical field to which the present invention belongs, will be familiar with the technical features of the external transaction, information other than the information listed above is omitted for convenience.

The current transaction information may include at least one or more of account information subscribed by the bank to the customer who has subscribed to the financial institution, transaction information that the customer has transacted through the financial institution, and foreign performance information. It may vary depending on intent and purpose.

In addition, the party transaction information is a person having ordinary knowledge in the technical field to which the present invention belongs, so the technical characteristics of the party transaction will be familiar with, and information other than the above listed information is omitted for convenience.

Thereafter, the server analyzes at least one or more of the collected external transaction information and the current transaction information (310).

If the analysis result is a basic warning (315), the server extracts recommended marketing information corresponding to the basic warning from the server to the terminal and provides the terminal with the basic warning details (330), and the external transaction information in the terminal. In operation 335, the analysis result and recommended marketing information corresponding to the current transaction information are output.

The recommended marketing information may be provided to a customer who needs to leave a sign or cross-sold to a customer who needs cross-selling (for example, changing interest rates, recommending subscriptions to products that are better than previously subscribed products, and paying points based on transaction performance). It is preferable to include, and those skilled in the art to which the present invention pertains, since they will be familiar with the technical characteristics of various methods, such as providing marketing, detailed description thereof will be omitted.

Preferably, the basic warning includes at least one or more expiration of a credit or reception of a subscription or a credit card used by the customer, for a customer transacting through the financial institution. It may be changed according to the intention and purpose of a person skilled in the art.

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the basic warning, detailed description thereof will be omitted for convenience.

On the other hand, in the case of a singular transaction as a result of the analysis (320), the server extracts the recommended marketing information corresponding to the singular transaction from the server to the terminal and includes the singular transaction details to the terminal (330), and the external transaction information from the terminal. In operation 335, the analysis result and recommended marketing information corresponding to the current transaction information are output.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of the specific transaction, detailed description will be omitted for convenience.

The singular transaction may be applied to a customer who trades through the financial institution, the balance of credit or receipt subscribed to through the financial institution, the limit on the credit or the delinquency of the credit transaction or a corporate card, or the like. It is preferable to include at least one of non-payment and exchange rate fluctuation information, and may be changed according to the intention and purpose of those skilled in the art.

On the other hand, if the analysis result is a departure sign (320), the server extracts the recommended marketing information corresponding to the departure sign from the terminal to the terminal, including the details of the departure sign provided to the terminal (330), the external transaction information in the terminal, The analysis result and the recommended marketing information corresponding to the current transaction information are output (335).

The delinquency sign is for a customer who trades through the financial institution, when the transaction amount increases according to a change in the transaction amount that is transacted through the external financial institution, or when the transaction amount is loaned through the external financial institution. It is preferable to include at least one or more variations, and may be changed according to the intention and purpose of those skilled in the art.

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the deviation signs, detailed description thereof will be omitted for convenience.

According to the present invention, by collecting and analyzing information to prevent departure of corporate customers to other financial institutions, and notifying the marketing staff, there is an advantage that can be confirmed in advance the expected company.

In addition, by providing recommended marketing information to marketing staff for companies that have been identified in advance, it may be possible to provide a countermeasure that can be easily coped with.

In addition, since it is possible to register for various cases in addition to departure signs, there is an advantage that can provide better financial services.

In addition, for the company showing signs of departure, since the automatic check processing, the employee's work is easy, there is an advantage that can proceed more efficiently.

Claims (4)

Collecting one or more of internal transaction information and external transaction information for a specific company from an internal financial system that manages the ledger of a financial institution, a credit rating agency system, and an external institution system provided by an external financial institution other than the financial institution in the information collection means. Doing; In the information analysis means, through the collected internal transaction information and external transaction information, the expiration of one or more credits or receipts of the company, analysis of the corporate card details for a certain period of time, or one or more of the company subscription Analyze balance / limit changes in credit or receipts, credit transactions or corporate card delinquents, fluctuations in exchange rates of foreign currency traded by the company, or analyze whether the amount of transactions traded by the company through external financial institutions increases; If the maturity of the one or more credits or receptions of the company has been registered or the use of the corporate card for a certain period of time is not confirmed, basic warning information on the departure of the company is generated, and the one or more credits of the company have been subscribed or Receive balance / limit fluctuates beyond set range, or credit transaction or corporate card delinquency occurs Or, if the exchange rate of the foreign currency traded by the company fluctuates above a set range, and generates a specific transaction information for the departure of the company, if the transaction amount that the company deals through an external financial institution increases, Generating departure sign information for the enterprise; In connection with marketing D / B in the information providing means, recommending marketing information-interest rate change, cross-selling, point payment-to prevent departure of the company in response to basic warning information, unusual transaction information, and departure sign information Confirming and providing the identified recommended marketing information and basic warning information or singular transaction information or departure sign information to a staff terminal in charge of the company; And And storing the information in the ledger by linking and processing the corporate information and the recommended marketing information in an information storage means. delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Information collection means for collecting one or more of internal transaction information and external transaction information for a specific company from an internal financial system, a credit rating agency system that manages the ledger of a financial institution, and an external institution system provided in an external financial institution other than the financial institution ; Through the collected internal transaction information and external transaction information, the maturity of one or more credits or receipts subscribed to by the company is analyzed, the corporate card details are analyzed for a certain period of time, or one or more credits or receipts of the company are subscribed to. Analyze balance / limit changes, credit transactions or delinquent credit cards, fluctuations in the exchange rates of foreign currencies traded by the company, or analyze whether the transaction amount increases through the external financial institution, and the company joins. When the expiration of one or more credits or receipts or the use of a corporate card for a certain period of time is not confirmed, basic warning information about the departure of the corporation is generated, and one or more credits or received balances / limits to which the corporation subscribes. The value fluctuates beyond the set range, credit transaction or debit of the corporate card occurs, When the exchange rate of the foreign currency to be traded fluctuates above the set range, the singular transaction information about the departure of the company is generated, and when the amount of the transaction that the company trades through the external financial institution increases, the departure sign for the company Information analyzing means for generating information; Check the recommended marketing information-interest rate change, cross-selling, point payment-to prevent departure of the company in response to basic warning information, singular transaction information, and departure sign information for the company in connection with marketing D / B. Information providing means for providing the recommended recommendation marketing information and basic warning information or singular transaction information or departure sign information to the employee terminal in charge of the company; And And information storage means for linking and processing the company information and the recommended marketing information in a ledger.

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