KR100914657B1 - System for Providing Integrated Management Information - Google Patents

Abstract

The present invention relates to a method and system for providing integrated management information and a recording medium therefor, wherein the method for providing integrated management information according to the present invention includes sales management items, profitability analysis items, and profit and loss for each group in predetermined management information interface means. At least one of a first-tier management information item including a management item, a personal customer group item, a private bank (PB) customer group item, a special customer group item, and an enterprise group customer item belonging to a group-specific sales item of the first layer; A second-tier management information item including at least one, a second-tier management information item including at least one customer profitability analysis item and an organizational profitability analysis item belonging to the profitability analysis item of the first layer, and a profit and loss of the first layer Each of the second-tier management information items including at least one of profit and loss analysis items and profit and loss items belonging to the management items. At least one of a personal customer group, a private bank (PB) customer group, a special customer group, and a corporate customer group of a second layer belonging to a group-specific sales item of the first layer in a predetermined profitability information calculating means. Calculating customer-specific profitability information and organization-specific profitability information corresponding to one or more groups of profitability analysis items of the first layer, and generating a predetermined profit and loss information generating means belonging to the group-specific business items of the first layer. Generating profit and loss analysis information and profit and loss forecast information belonging to the profit and loss management items of the first layer in correspondence with at least one or more of a two-tiered individual customer group, a private bank (PB) customer group, a special customer group, and a corporate customer group. When the predetermined management information is requested by the predetermined terminal and the predetermined terminal, the predetermined management information corresponding to the hierarchical structure is provided by the predetermined management information providing means. It includes the step of providing.

Description

System for Providing Integrated Management Information

The present invention provides a first-tier management information item including a predetermined sales management item, a profitability analysis item, and a profit / loss management item, an individual customer group item belonging to the sales item for each group of the first layer, and a private bank (PB). At least one second layer management information item including at least one customer group item, a special customer group item, and a corporate group customer item, a customer profitability analysis item belonging to the first level profitability analysis item, and an organizational profitability analysis item Management information interface means hierarchically including a second layer management information item including a second layer management information item including at least one of a profit and loss analysis item and a profit and loss prediction item belonging to the profit and loss management item of the first layer And a personal customer group, a private bank (PB) customer group, a special customer group, and a company of a second layer belonging to a group-specific sales item of the first layer. Profitability information calculating means for calculating customer-specific profitability information and organization-specific profitability information corresponding to at least one or more groups of the customer group, and profitability information for each organization; Generating profit and loss analysis information and profit and loss forecast information belonging to the profit and loss management items of the first layer in correspondence with at least one or more of a two-tiered individual customer group, a private bank (PB) customer group, a special customer group, and a corporate customer group. A management information providing system having management information providing means for providing predetermined management information corresponding to the hierarchical structure to a predetermined terminal in association with the profit and loss information generating means and the management information interface means.

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

In this situation, there is a problem that can cause a great loss for the financial institution without the effective calculation of the profitability calculation and calculation results for employees, units, branches.

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

However, such a unit-level profitability analysis may be useful for simply calculating the profitability of a unit point, but in order to make it worthwhile, an effective interface is needed based on not only the profitability of the unit point but also more information. However, it is difficult to easily recognize only the results of the analysis of the level of a conventional unit, and it includes a difficult problem of systematically providing necessary information through analysis of management information through systematic profitability check.

An object of the present invention for solving the above problems is a first layer management information item including a sales management item, a profitability analysis item and a profit and loss management item for each group in a predetermined management information interface means, and A second-tier management information item including at least one individual customer group item, a private bank (PB) customer group item, a special customer group item, and a corporate group customer item belonging to a group-based sales item, and profitability analysis of the first layer A second-tier management information item including at least one customer profitability analysis item and an organizational profitability analysis item belonging to the item, and at least one profit / loss analysis item and a profit and loss prediction item belonging to the profit and loss management item of the first layer; Hierarchically including two hierarchical management information items, and applying the first hierarchical Profitability information for each customer belonging to the profitability analysis item of the first tier corresponding to at least one or more of a personal customer group, a private bank (PB) customer group, a special customer group, and a corporate customer group of the second tier belonging to the respective sales item And calculating profitability information for each organization, and in a predetermined profit and loss information generating means, a personal customer group, a private bank (PB) customer group, a special customer group and a company of the second layer belonging to the group-specific sales items of the first layer. Generating profit and loss analysis information and profit and loss prediction information belonging to the profit and loss management item of the first layer in correspondence with at least one or more groups of the customer group; and when the management information is requested from a predetermined terminal, the predetermined management information providing means It provides an integrated management information providing method comprising the step of providing a predetermined management information corresponding to the hierarchical structure to the terminal.

The integrated management information providing system according to the present invention includes a first-tier management information item including a predetermined sales management item, a profitability analysis item, and a profit / loss management item for each group, and an individual customer belonging to the sales item for each group of the first layer. A second-tier management information item including at least one group item, a private bank (PB) customer group item, a special customer group item, and a corporate group customer item, a customer profitability analysis item belonging to the profitability analysis item of the first layer; A second layer management information item including at least one organizational profitability analysis item and a second layer management information item including at least one profit and loss analysis item and a profit and loss prediction item belonging to the profit and loss management item of the first layer. Management information interface means, a personal customer group of a second layer belonging to the business item of each group of the first layer, and a private group (PB) Bank) profitability information calculation means for calculating customer-specific profitability information and organizational profitability information corresponding to at least one of the customer group, special customer group and corporate customer group, the first layer of profitability analysis items; It belongs to the profit and loss management items of the first tier in response to at least one or more of the personal customer group, private bank (PB) customer group, special customer group, and corporate customer group of the second tier belonging to the group-specific sales item of the first tier. And profit and loss information generating means for generating profit and loss analysis information and profit and loss prediction information, and management information providing means for providing predetermined management information corresponding to the hierarchical structure to a predetermined terminal in association with the management information interface means. It is done.

According to the present invention, the first layer management information item includes a financial accounting item including at least one predetermined financial accounting item, a financial statement item, and a headquarters management item in the second layer, and a predetermined daily value in the second layer. Characterized in that it comprises at least one or more common sales management items including at least one management status item and various campaign items.

The integrated management information providing method according to the present invention includes a first layer management information item including a sales management item, a profitability analysis item, and a profit and loss management item for a predetermined group in a predetermined management information interface means, and a group of the first layer. A second-tier management information item including at least one of a personal customer group item, a private bank (PB) customer group item, a special customer group item, and a corporate group customer item belonging to each sales item, and a profitability analysis item of the first layer A second layer management information item including at least one customer profitability analysis item and an organizational profitability analysis item belonging to the second layer; and a second including at least one profit and loss item and a profit and loss prediction item belonging to the profit and loss management item of the first layer. Hierarchically providing hierarchical management information items, and grouping the first hierarchical group by predetermined profitability information calculating means; Profitability information for each customer belonging to the profitability analysis item of the first tier corresponding to at least one or more of the individual customer group, private bank (PB) customer group, special customer group, and corporate customer group of the second tier belonging to the business category Calculating profitability information for each organization; and in a predetermined profit and loss information generating means, a personal customer group, a private bank (PB) customer group, a special customer group, and a corporate customer of a second layer belonging to a group-specific sales item of the first layer; Generating profit and loss analysis information and profit and loss prediction information pertaining to the profit and loss management item of the first layer in correspondence with at least one or more groups of the group; and when the management information is requested from a predetermined terminal, the management information providing means Providing predetermined management information corresponding to the hierarchical structure to the terminal.

On the other hand, the present invention includes a recording medium, characterized in that the program for executing the above-described integrated management information providing method recorded.

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 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 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), whereby the present invention is not limited No.

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

1 is a view showing a preferred configuration of the integrated management information providing system for providing integrated management information according to the embodiment of the present invention.

In more detail, Figure 1 is based on a transmission control protocol / Internet Protocol (TCP / IP) -based network (eg, the Internet) from a predetermined integrated management information providing server 100 to at least one or more employee terminal 150 As a preferred embodiment of the integrated management information providing system for providing integrated management information according to the present invention, the integrated management with at least one employee terminal 150 and at least one employee terminal 150 provided with a web browser Integrated management information providing server 100 for operating a website for providing information, profitability calculation system for each channel / employee to provide information for the integrated management information in conjunction with the integrated management information providing server 100, Profitability prediction and forecast result management system, profitability calculation system for each customer, group integrated customer contribution evaluation and operation system, non-facing channel It is made in conjunction with the profitability calculation system, and is achieved by having a loss analysis system and loss prediction system for providing information to the integrated management information.

To this end, in FIG. 1, for convenience, the integrated management information providing server 100, 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 operation system, Although shown as a server system that interoperates the profitability calculation system, the profit and loss analysis system, and the profit and loss prediction system for each non-face-to-face channel, the present invention is not limited thereto, and a person having ordinary knowledge in the field to which the present invention belongs, Intention of the person skilled in the art and / or the integrated management information providing server 100 and the profitability calculation system for each channel / staff, profitability prediction and prediction result management system, profitability calculation system for each customer, group integrated customer contribution evaluation and operation system, non-face to face Integration of the above according to the relationship between profitability calculation system, profit and loss analysis system and profit and loss prediction system by channel The management information providing server 100 and each system may be implemented in one server (eg, the integrated management information providing server 100), and / or implemented in at least two or more servers for each functional configuration. It will be readily apparent that the present invention can be made, whereby it is apparent that the present invention is not limited.

The employee terminal 150 is connected to the integrated management information providing server 100 based on the TCP / IP-based wired communication function and the wired communication function at least one or more web browser to receive a browsing-based wired web service And a wired terminal including at least one or more of a desktop computer and / or a notebook having a computer, and / or a code division multiple access (CDMA) based wireless communication function and the wireless device. A mobile communication terminal having at least one browser for accessing the integrated management information providing server 100 and receiving a browsing-based wireless web service based on a communication function (for example, a personal communication having a CDMA-based wireless modem needle) Terminals (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or personal devices Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smartphones and / or Telematics, etc. And / or a mobile device having at least one browser for accessing the integrated management information providing server 100 and receiving a browsing-based wireless web service based on the IEEE 802.16 based wireless communication function and the wireless communication function. Internet terminals (e.g., personal communication terminals (PCS) and / or personal digital assistants (PDAs) equipped with IEEE 802.16 based wireless modem chips) and / or smart phones and / or telematics and And / or a wireless Internet terminal and / or a laptop), and / or a wireless communication function based on Motorola's DataTAC method or Erricson's Mobitex method. Wireless data communication terminal having at least one or more browsers (eg, DataTAC / Mobitex type modem chip) for accessing the integrated management information providing server 100 to receive a browsing-based wireless web service. A stock terminal 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 is provided with the integrated management 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 integrated management 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 integrated management information providing server 100 through a predetermined network means including an IEEE 802.16 based wireless communication network, And / or wherein said wireless data communication terminal comprises said data via a predetermined network means comprising a DataTAC / Mobitex based wireless communication network. It is preferable to connect to the integrated management information providing server 100.

The integrated management information providing server 100 operates a database for storing web operation data including at least one web page source and / or digital content for providing a predetermined web service to at least one or more employee terminals 150. Or a database management system (DBMS), or interoperating with a data server provided with the DBMS.

In addition, the integrated management information providing server 100 may include a first layer management information item including a sales management item, a profitability analysis item, and a profit and loss management item for each group, and an individual belonging to the sales item for each group of the first layer. At least one customer group item, private bank (PB) customer group item, special customer group item, and corporate group customer item are included. Hierarchically including at least one management information corresponding to a second layer management information item including at least one of a profit and loss analysis item and a profit and loss prediction item belonging to the profit and loss management item of the first layer. Equipped with a database management system (DBMS) for operating a database to be stored as Or, interworking with a data server provided with the DBMS, wherein the database includes a predetermined financial accounting general item (not shown), an accounting work item (not shown), and a headquarters management item. At least one predetermined daily management status item (not shown) and various campaign items (not shown) in the first-tier financial accounting item (not shown) including at least one (omitted city), and the second-tier management information item. At least one first layer common business management item (not shown) is preferably included.

The customer profitability analysis item belonging to the profitability analysis item of the first layer among the management information items stored in the database may include at least one customer-specific profitability information, and the organizational profitability analysis item may include at least one employee It is characterized by including the profitability information by / window channel / organization.

Here, the profitability information for each customer and the profitability information for each employee / window channel / organization may include a profitability calculation system for each predetermined window channel / employee associated with the integrated management information providing server 100, a profitability prediction system, and a prediction result operation system; Profitability calculation system by customer, integrated customer contribution evaluation and operation system, non-face-to-face channel profitability calculation system is preferably calculated by this, by the channel / employee profitability calculation system, profitability prediction and forecast result management system, Profitability calculation system by customer, integrated customer contribution evaluation and operation system, profitability calculation system by non-face-to-face channel, etc. are the personal customer group, private bank (PB) customer group, special customer group and Revenue for each customer belonging to the profitability analysis item of the first tier corresponding to at least one group of corporate customer groups It is desirable to perform the function of profitability information calculation means for calculating gender information and profitability information for each organization.

Among the management information items stored in the database, a profit and loss analysis item belonging to the profit and loss management item of the first layer includes profit and loss analysis information about at least one customer / organization, and the profit and loss prediction item is at least one. It is characterized in that it comprises the above-mentioned profit and loss prediction information for the customer / organization.

Here, the profit and loss analysis information and the profit and loss prediction information may be generated through a predetermined profit and loss analysis system and a profit and loss prediction system linked to the integrated management information providing server 100, thereby the profit and loss analysis system and the profit and loss prediction system. The system includes profit and loss belonging to the profit and loss management items of the first layer in response to at least one group of the personal customer group, the private bank (PB) customer group, the special customer group, and the corporate customer group of the second layer on the profit and loss management item. It is preferable to perform the function of the profit and loss information generating means for generating the analysis information and the profit and loss prediction information.

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

Referring to FIG. 1, the integrated management information providing server 100 includes a profitability calculation system for each predetermined channel / staff that performs the function of the profitability information calculating means, a profitability prediction and prediction result operation system, and a customer profitability. An information receiving unit 140 for receiving at least one profitability information from a calculation system, an integrated customer contribution evaluation and operation system, and a non-facing channel-specific profitability calculation system; and a customer-specific item corresponding to the profitability analysis item among the received profitability information. And an information extracting unit 135 for extracting profitability information and profitability information for each organization, and an information storage unit 130 for storing the extracted customer-specific profitability information and organization-specific profitability information in a lower layer of the profitability analysis item. Characterized in that made.

In addition, the information receiving unit 140 may receive at least one profit and loss analysis information from a predetermined profit and loss analysis system and a profit and loss prediction system that perform a function of the profit and loss information generating means, and the information extraction unit 135. Extracts profit and loss analysis information and profit and loss prediction information corresponding to the profit and loss management item from the profit and loss information, and the information storage unit 130 stores the profit and loss analysis information and the profit and loss prediction information of the profit and loss analysis item. It is characterized by storing in the lower layer.

Referring to FIG. 1, the integrated management information providing server 100 includes a sales management item, a profitability analysis item, and a profit and loss management item for a predetermined group stored in the DBMS in association with the webpage operation unit 115. At least one of a first-tier management information item, a personal customer group item, a private bank (PB) customer group item, a special customer group item, and a corporate group customer item belonging to the group-specific sales item of the first layer; And at least one customer profitability analysis item and an organizational profitability analysis item belonging to the profitability analysis item of the first layer, and at least one profit and loss analysis item and a profit and loss prediction item belonging to the profit and loss management item of the first layer. Management information interface unit for providing a hierarchical management information providing interface based on the second layer of management information items (1) 10) (or management information interface means) and the management information providing unit 125 (or providing at least one or more management information hierarchically provided in the DBMS to the employee terminal 150 through the management information providing interface. Management information processing means);

The preferred process of providing management information of the hierarchical structure from the integrated management information providing system to the employee terminal 150 may include sales management items for each group, profitability analysis items, and the integrated management information providing server 100. Management information items including profit and loss management items are classified into hierarchical management information items including at least one matching with individual customer group items, private bank (PB) customer group items, special customer group items, and corporate group customer items. The profitability analysis item corresponding to at least one or more of the individual customer group, private bank (PB) customer group, special customer group, and corporate customer group in each profit line calculation system corresponding to the profitability information calculating means. DBM by calculating profitability information for each customer or profitability information for each organization corresponding to detailed management information items of Hierarchically classified and stored in S and correspond to at least one or more of the individual customer group, private bank (PB) customer group, special customer group, and corporate customer group in each profit-related system corresponding to the profit and loss information generating means. After generating profit and loss analysis information or profit and loss prediction information corresponding to the detailed management information item of the profit and loss management item and classifying and storing them hierarchically in the DBMS, and requests the predetermined management information from the employee terminal 150, Preferably, the integrated management information providing server 100 includes a process of providing predetermined management information corresponding to the hierarchical structure to the terminal.

Hereinafter, a preferred management information providing interface implementation method provided by the management information interface unit 110, a preferred implementation method for the profitability calculation generation means and a preferred implementation method for the profit and loss information generation means will be described.

2 illustrates a system of an interface screen and a menu for providing integrated management information according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates integrated management information from a predetermined integrated management information providing server to at least one client terminal 170 based on a TCP / IP (Transmission Control Protocol / Internet Protocol) based network (eg, the Internet). Preferred interface screen of the integrated management information providing system for providing integrated management information according to the present invention based on the provision (and / or the integrated management information exchange between the at least one client terminal 170 and the integrated management information providing server) It is about the implementation method.

According to an embodiment of the present invention, Figure 2a shows a menu system for providing integrated management information.

In more detail, Figure 2a is a hierarchical structure of the menu to provide integrated management information, and referring to Figure 2a, the hierarchical structure is financial accounting, common sales management, sales management by group, profit and loss management, At least one or more first tier including at least one profit analysis and at least one or more second tier provided under the first tier (eg, when the first tier is common sales management, daily management status, campaign, etc.) A hierarchy including) and at least one third hierarchy below the second hierarchy (eg, the first hierarchy is common business management, and the second hierarchy corresponding to the first hierarchy is daily management status). Daily receipt status (current time), daily credit status (current time), branch reception status, branch credit status, branch loan status, synergy procedures, etc.) It is desirable.

Those skilled in the art to which the present invention pertains can easily infer a hierarchical menu system for providing integrated financial information with reference to FIG. 2A, and the present invention can be inferred from all implementation methods. Characterized in that comprises a.

According to an embodiment of the present invention, Figure 2b shows a dashboard interface screen for the daily count status and trend in the monthly management status menu screen for the individual customer group of the menu screen for the integrated management information.

More specifically, FIG. 2B is an interface screen for outputting a third-tier valuation profit and loss table corresponding to monthly management status of the second tier for profit management of the first tier for integrated management information. Referring to FIG. 6, an interface screen for outputting a table of valuation profit and loss of the third tier corresponding to the monthly management status of the second tier includes an input portion for inputting and selecting an item to be queried, and the result of the input item. It is characterized in that the output portion such as a table output to a single interface.

Preferably, the input part includes at least one of a reference date, an organization code, a window / team, a dealer, a period classification, a performance classification, and an inquiry item which can be directly selected by an employee.

The portion outputting the result of the input item may include at least one verification item including appearance, profit and loss, margin rate, modified PL and profit cost rate according to the classification.

Here, the item may be modified according to the value selected in the input part and the intention of the person skilled in the art.

Those skilled in the art to which the present invention belongs, output the profitability and financial information corresponding to the valuation profit and loss table of the third tier for the profit and loss management with respect to the integrated management information with reference to this figure 2b. Various implementation methods for the interface screen configuration 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. 2C shows a dashboard interface screen for daily counting status and trend on a monthly management status menu screen for an individual customer group among menu screens for integrated management information.

More specifically, Figure 2c is an interface screen for outputting the profit and loss status of the third tier corresponding to the monthly management status of the second tier for profit management of the first tier for integrated management information, Figure 2c Referring to FIG. 6, an interface screen for displaying profit and loss status of each third tier corresponding to monthly management of the second tier includes an input portion for inputting and selecting an item to be queried, and the result of the input item. It is characterized in that the output portion such as a table output to a single interface.

Preferably, the input part includes at least one reference date, an organization code, a teller / team, a dealer, and an inquiry item which can be directly selected by an employee.

The portion for outputting the result of the input item is preferably made to include at least one item of the previous year, the current year, the last four months according to the classification.

Here, the item may be modified according to the value selected in the input part and the intention of the person skilled in the art.

Those skilled in the art to which the present invention pertains, with reference to this figure 2c outputs the profitability and financial information corresponding to the profit and loss status for each organization of the third tier for the profit management with respect to the integrated management information Various implementation methods for the interface screen configuration 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. 2D illustrates a dashboard interface screen for daily counting status and trend in a monthly management status menu screen for an individual customer group among menu screens for integrated management information.

More specifically, FIG. 2D is an interface screen for outputting the external organization status of the third tier corresponding to the monthly management status of the second tier for profit management of the first tier for integrated management information. Referring to FIG. 2, the interface screen for outputting the organizational appearance of the third tier corresponding to the monthly management status of the second tier may include an input part for inputting and selecting an item to be queried, and the result of the input item. It is characterized in that the output portion such as a table output to a single interface.

The input portion preferably includes at least one of a reference date, an organization code, a teller / team, a dealer, an adjustment criterion, and an inquiry item which can be directly selected by an employee.

The portion for outputting the result of the input item is preferably made to include at least one item of the previous year, the current year, the last four months according to the classification.

Here, the item may be modified according to the value selected in the input part and the intention of the person skilled in the art.

For those skilled in the art to which the present invention pertains, the profitability and financial information corresponding to the organizational appearance of the third tier for the profit and loss management with respect to the integrated management information is output with reference to FIG. 2D. Various implementation methods for the interface screen configuration 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. 2E illustrates a dashboard interface screen for daily counting status and trend on a monthly management status menu screen for an individual customer group among menu screens for integrated management information.

More specifically, FIG. 2E is an interface screen for outputting a valuation statement of a tier 3 tier corresponding to the monthly statistic of the second tier for profit management of the first tier for integrated management information. Referring to FIG. 2E, the interface screen for outputting the valuation statement of the valuation profit and loss of the third tier corresponding to the monthly management status of the second tier includes: an input portion for inputting and selecting an item to be queried; It is characterized in that the output of the result in the diagram and the like portion in one interface.

Preferably, the input part includes at least one of a reference date, an inquiry classification, an organization code, a period classification, performance criteria, an inquiry target, and an inquiry item that an employee can directly select.

The portion outputting the result of the input item preferably includes at least one of a total and a position item of the tissue, depending on the division.

Here, the item may be modified according to the value selected in the input part and the intention of the person skilled in the art.

Those skilled in the art of the present invention, the profitability and financial information corresponding to the third-tier valuation of the statement of profit and loss on the consolidated management information with respect to the consolidated management information with reference to this figure 2e. Various implementation methods for the interface screen configuration for outputting it can be easily inferred, and the present invention is characterized in that it comprises all the implementation methods inferred.

According to an exemplary embodiment of the present invention, FIG. 2f illustrates a dashboard interface screen for daily counting status and trend on a monthly management detail analysis menu screen for an individual customer group among menu screens for integrated management information.

More specifically, FIG. 2F is an interface screen for outputting regional information of the third tier corresponding to monthly management detailed analysis of the second tier for profit management of the first tier for integrated management information. The interface screen for outputting regions of the third tier corresponding to the monthly management detailed analysis of the second tier may include an input portion for inputting and selecting an item to be queried, and a result of the input item in a chart. A part and the like are output to one interface.

Preferably, the input part includes at least one of a reference date, a business group, an analysis period, and a regional classification that the employee can directly select.

The portion that outputs the result of the inputted item is based on the input value, the profit and loss, the profit and the profit including the customer and the main branch composed of the appearance, the profit and the expense, the balance consisting of the balance and the balance (adjustment) and the balance according to the branch. Service profits and losses, including sales and valuation gains and losses, transaction profits and gains and losses, valuation gains and losses, commodity basis gains, adjusted profits, direct and indirect business costs and credits It is preferable to include at least one item of cost, operating profit, operating margin, non-operating profit and ordinary income.

Those skilled in the art to which the present invention pertains, with reference to this figure 2f interface screen for outputting the profitability and financial information corresponding to the region of the third tier for the profit and loss management for the integrated management information Various implementation methods for the configuration may 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. 2g illustrates a dashboard interface screen for daily counting status and trend on a monthly management detail analysis menu screen for an individual customer group among menu screens for integrated management information.

In more detail, Figure 2g is an interface screen for outputting the specific merchandise sales superior store of the third tier corresponding to the monthly management detailed analysis of the second tier for the profit and loss management of the first tier for the integrated management information, Referring to FIG. 2G, an interface screen for outputting a specific merchandise sales superior store of a third tier corresponding to the monthly management detailed analysis of the second tier includes an input portion for inputting and selecting an item to be queried, and the input item. It is characterized in that the output of the result in the diagram and the like portion in one interface.

Preferably, the input part includes at least one of a reference date, a business group, an analysis period, a product name, a profitability level, and a profitability classification that the employee can directly select.

The portion that outputs the result of the inputted item is based on the input value, the profit and loss, the profit and the profit including the customer and the main branch composed of the appearance, the profit and the expense, the balance consisting of the balance and the balance (adjustment) and the balance according to the branch. Service profits and losses, including sales and valuation gains and losses, transaction profits and gains and losses, valuation gains and losses, commodity basis gains, adjusted profits, direct and indirect business costs and credits It is preferable to include at least one item of cost, operating profit, operating margin, non-operating profit and ordinary income.

For those skilled in the art, the profitability and financial information corresponding to the specific merchandise sales superior store of the third tier of the profit and loss management with respect to the integrated management information with reference to this figure 2g. Various implementation methods for the output interface screen configuration can be easily inferred, and the present invention is characterized by including all the implementation methods inferred.

Figure 3 shows the configuration of a profitability calculation system for each channel / employee to calculate the profitability for each channel / employee and the operation of the calculation result according to the embodiment of the present invention.

In more detail, Figure 3 divides the unit of profitability calculation into seven units to calculate profitability by channel / staff, calculates the profitability of each unit in each of the seven servers, and displays the results calculated by the seventh channel / staff. Figure 1 shows a system for operating the profitability calculation results through the profitability calculation server for each person, and those skilled in the art belong to the present invention. Various implementations of operating the results may be inferred, but the present invention is not limited to this figure 3 and includes all implementations inferred.

Referring to FIG. 3 according to an embodiment of the present invention, the profitability calculation system for each channel / employee for calculating profitability for each channel / employee and operation of calculation results is performed by the individual customer group profitability calculation server 305 and the PB customer group profitability calculation. Server 310, special customer group profitability calculation server 315, corporate customer group profitability calculation server 320, comprehensive financial group profitability calculation server 325, fund / international group profitability calculation server 330, trust group profitability calculation Server 335, integrated profitability calculation server 300, characterized in that comprises a financial system 340.

In addition, individual customer group profitability calculation server 305, PB customer group profitability calculation server 310, special customer group profitability calculation server 315, corporate customer group profitability calculation server 320, comprehensive financial group profitability calculation server (325) ), Fund / international group profit calculation server 330, trust group profit calculation server 335, integrated profit calculation server 300 may be provided inside the financial system 340, the outside of the financial system 340 It may be provided in.

In addition, individual customer group profitability calculation server 305, PB customer group profitability calculation server 310, special customer group profitability calculation server 315, corporate customer group profitability calculation server 320, comprehensive financial group profitability calculation server (325) ), The fund / international group profit calculation server 330, the trust group profit calculation server 335, and the integrated profit calculation server 300 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 information of the individual customer group receiving information from the ledger D / B in connection with the external system of the financial system 340 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, 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 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.

In addition, the integrated server may include a profitability calculation unit (or profitability calculation unit) for calculating profitability information for an individual customer group among information checked by the information confirmation unit, a profitability calculation unit for calculating profitability information for a PB customer group, and a special customer. Profitability calculation section for calculating profitability information for group, profitability calculation section for calculating profitability information for corporate customer group, profitability calculation section for calculating 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 the 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, It is characterized by comprising at least one function that can calculate the profitability for each employee / channel by integrating the trust group profitability calculation results.

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, 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 And at least one information storage unit for storing the money / international group profitability calculation information D / B and at least one information storage unit for storing 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 305 is a profitability calculation based on the account product or the non-account product of the personal customer group or the profitability calculation based on the transaction history of the personal customer group or the individual 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, 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 the exemplary embodiment of the present invention, the PB customer group profitability calculation server 310 may calculate the profitability 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. 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 may calculate the profitability by the account product or non-account product of the special customer group or the profitability calculation by the transaction history of the special customer group or the new account of the special customer group. It is characterized by providing a special customer group profitability calculation function for calculating the profitability of joining a product or a new non-account product.

According to the implementation method of the present invention, the corporate customer group profitability calculation server 320 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 325 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 330 is the money / international group's won or foreign currency fund management information, or business information for the money / international group's foreign exchange business, or funds / 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 an embodiment of the present invention, the trust group profit calculation server 335 provides a trust group profit calculation function for profit profit calculation by trust information, trust service 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 300 may include profitability information calculated by the personal customer group profitability calculation server 305, profitability information calculated by the PB customer group profitability calculation server 310, Or profitability information calculated by the special customer group profitability calculation server 315, profitability information calculated by the corporate customer group profitability calculation server 320, or profitability information calculated by the comprehensive financial group profitability calculation server 325. Or provide an integrated profitability calculation function comprising at least one or more profitability information calculated by the fund / international group profitability calculation server 330 and the trust group profitability calculation server 335.

According to an embodiment of the present invention, the financial system 340 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.

Further, the financial system 340 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 340 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based network connected to the TCP / IP-based backbone network through the Internet banking server) At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 340 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 340 is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) At least one or more through at least one wireless terminal (e.g., a wireless terminal 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 340 is characterized in that associated with a predetermined telebanking server, connected to a predetermined wired voice telephony 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 340 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 340 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. 3, the financial system 340 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 340 and at least one other financial system 340 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc. in the financial system ( 340, and / or an external system providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and also the financial system 340. ) Is an interface module corresponding to a middleware platform that provides inter-component interfacing between the components of the financial system 340, and predetermined information required for performing each function in the components of the financial system 340. For example, it comprises a DBMS (DataBase Management System) including at least one or more databases for storing and managing the ledger information, and / or customer information, and / or management information).

In addition, the financial system 340 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 340 and the purpose of the financial system 340. 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 340, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

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

More specifically, Figure 4 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 individual customer groups. 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 profitability of the individual customer group with reference to this drawing 4, but the present invention is not limited to the drawing 4, 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.

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 305 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 340 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 personal customer group profitability calculation server 305 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 fee 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 cost information from the financial system 340 to extract the profitability of the individual 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 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. can 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 individual customer group profitability calculation server 305 includes a D / B for storing the profitability calculation results of the individual customer group for each channel or employee, or the D / B for storing the 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. 4, the personal customer group profitability calculation server 305 receives an information receiver 405 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 340. An information extracting unit 410 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 415 for confirming profitability information among information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 420 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 425 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 340. The ledger D / B includes customer information, account information, non-account information, employee information, necessary for calculating profitability for the individual customer group. It is preferable that the transaction history information is included.

According to an embodiment of the present invention, the information receiving unit 405 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 in connection with the external system of the financial system 340 is provided to the information extraction unit 410 containing at least one.

Here, the ledger information includes customer information, account information, non-account information, employee information, transaction history information requested by the financial system 340 from the individual customer group profitability calculation server 305 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 410 is the customer information received from the information receiving unit 405, 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 415, or the customer information received from the information receiving unit 405, for a predetermined period associated with the customer information Transaction information, and extracts the information on the individual customer from the employee information in charge of the transaction history provided to the information verification unit 415, or the customer information received from the information receiving unit 405 and the customer information; The information on the individual customer among the linked new subscription account information or new subscription fee account information, and employee information managing the new subscription account or new subscription fee account. Output will be provided to the information checking unit 415. The

According to the exemplary embodiment of the present invention, the information checking unit 415 may include the customer information extracted from the information extracting unit 410, 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 affiliate account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 410, transaction history for a certain period associated with the customer information, Transaction profitability information from the information on the individual customer among the employee information in charge of the transaction history, the customer information extracted from the information extraction unit 410, new subscription account information or new subscription account information associated with the customer information, Profitability of the new subscription account from the information on the individual customer among the employee information managing the new subscription account or the new subscription fee account The information or the new subscription ratio account profitability information is checked and provided to the information storage unit 425 and the profitability calculation unit 420.

The profitability calculation unit 420 may include subscription account profitability information for the individual customer or subscription non-account profitability information for the individual customer, transaction profitability information for the individual customer, or new subscription for the individual customer. 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 425.

According to the implementation method of the present invention, the profitability calculation unit 420 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.

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 420 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 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. desirable.

In addition, the profitability calculation unit 420 for the individual customer preferably calculates profitability information such as handling fees for the unpaid deposit 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 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.

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 425 stores profitability information provided by the profitability calculation unit 420 in a D / B provided in the personal customer group profitability calculation server 305 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 420 through a communication network.

According to the implementation method of the present invention, the financial system 340 calculates the individual customer group profitability ledger information in connection with the ledger D / B in the financial system 340 in connection with the personal customer group profitability calculation server 305 It provides a function for providing to the server 305, the detailed description of the internal configuration has been described with reference to Figure 3, it is omitted.

In addition, the ledger information for the ledger D / B of the financial system 340 has more information than the information shown in the ledger D / B of the financial system 340 shown in Figure 4, but for calculating the individual customer group profitability Only information is shown.

Figure 5 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 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 subscription account profitability information and new subscription non-account profitability information for individual customers, is illustrated.

In more detail, FIG. 5 shows the ledger information from the ledger D / B of the financial system 340 shown in FIG. 3, and the personal customer group profitability calculation server 305 shown in FIG. 5 conditions (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 non-account profitability information for individual customers) Checking the profitability information on the process of storing and registering in the D / B of the individual customer group profitability calculation server 305, if the person having ordinary knowledge in the field of the present invention, with reference to this figure 5 Various implementation methods of the system for calculating the profitability of the individual customer group may be inferred, but the present invention is not limited to the drawing 5, and all the inferred real Includes poem methods.

Hereinafter, in FIG. 5, the personal customer group profitability calculation server 305 shown in FIG. 4 is referred to as a “server” for convenience.

Referring to FIG. 5A, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (500a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 340, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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.

Upon receiving the ledger information from the financial system 340 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 (505a).

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 process 510a.

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

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. 5B, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for calculating the profitability. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (500b).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 340, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 340 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 (505b).

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 process 510b.

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

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. 5C, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 340 for calculating the profitability. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (500c).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 340, transaction history information associated with the customer information, and employee information in charge of the transaction details.

In addition, the customer information preferably 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 340 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 (505c).

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. Only process 510c.

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

Here, the transaction profitability information for the individual customer is preferably made including a handling fee for the passbook deposit.

Referring to FIG. 5D, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (500d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 340, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 340 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 (505d).

When extracting information about 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. Only process 510d.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the individual customer group (515d), and stores and registers the calculated profitability information in the server D / B (520d).

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. 5E, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (500e).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 340, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 340 as described above, the server extracts the new subscription fee account information from the ledger information and extracts information about the individual customer group from the new subscription fee account information (505e).

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 process 510e.

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the individual customer group (515e), and stores and registers the calculated profitability information in the server D / B (520e).

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

More specifically, Figure 6 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 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 Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of the PB customer group with reference to FIG. 6, but the present invention is not limited to this FIG. 6. 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, 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 310 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 340 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 310 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 fee account, 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 340 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 6, 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. Factors are omitted because they are 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 310 includes a D / B for storing profitability calculation results of the PB customer group for each channel or employee, or a D / B for storing profitability calculation results for the PB customer group for each channel or employee. Interworking with a separate D / B server having a B and a communication network.

Referring to Figure 6, the PB customer group profitability calculation server 310, the information receiving unit 605 (or information receiving means) for receiving information from the ledger D / B in conjunction with the external system of the financial system 340 An information extracting unit 610 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 615 for confirming profitability information among information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 620 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 625 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 340. The ledger D / B includes customer information, account information, non-account information, employee information, necessary for calculating profitability for the PB customer group. It is preferable that the transaction history information is included.

According to the embodiment of the present invention, the information receiving unit 605 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 in association with the external system of the financial system 340 is provided to the information extraction unit 610 containing at least one.

Here, the ledger information includes customer information, account information, non-account information, employee information, transaction history information requested from the PB customer group profitability calculation server 310 to the financial system 340 in order to calculate profitability for the PB customer group. It is preferable to comprise.

According to the method of the present invention, the information extracting unit 610 is the customer information received from the information receiving unit 605, 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 615, or the customer information received from the information receiving unit 605, 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 to the information verification unit 615, or the customer information and the customer information received from the information receiving unit 605 By extracting the information on the PB customer from the associated new subscription account information or new subscription account information, the employee information to manage the new subscription account or new subscription account account The information check unit 615 is provided.

According to the method of the present invention, the information checking unit 615 is the customer information extracted by the information extraction unit 610, one or more subscription account information or subscription ratio account information associated with the customer information, the subscription account or subscription account 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 610, 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 610, 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 on the PB customer among the employee information managing the new subscription account or the new subscription fee account; Determine the new subscription account profitability information will be available in the information storage unit 625 and the margins of the calculation unit 620. The

The profitability calculation unit 620 may include subscription account profitability information for the PB customer or subscription ratio account profitability information for the PB customer, transaction profitability information for the PB customer, or new subscription for the PB customer. 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 625.

According to the implementation method of the present invention, the profitability calculation unit 620 profits such as interest income or loan interest income for loan accounts for borrowing and saving interest in savings accounts or savings accounts from subscription account information for PB customers. 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 620 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 calculation unit 620 for the PB customer preferably calculates profitability information such as handling fees for unpaid deposits 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 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 an embodiment of the present invention, the information storage unit 625 stores the profitability information provided by the profitability calculation unit 620 in a D / B provided in the PB customer group profitability calculation server 310 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 620 through a communication network.

According to the implementation method of the present invention, the financial system 340 calculates the profitability of the PB customer group ledger information in connection with the ledger D / B in the financial system 340 in connection with the PB customer group profitability calculation server 310 It provides a function for providing to the server 310, and since the detailed description of the internal configuration has been described with reference to Figure 3, it is omitted.

In addition, the ledger information for the ledger D / B of the financial system 340 has more information than the information shown in the ledger D / B of the financial system 340 shown in Figure 6, but for calculating the PB customer group profitability Only information is shown.

Figure 7 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.

In more detail, Figure 7 takes the ledger information from the ledger D / B of the financial system 340 shown in Figure 3 and the PB customer group profitability calculation server 310 shown in Figure 6 above the 5 conditions (profitability information for subscription accounts for PB customers, profitability information for subscription accounts for PB customers, profitability information for transactions for PB customers, profitability information for new subscription accounts for PB customers, profitability information for new subscription accounts for PB customers) Checking the profitability information on the storage and registration of the PB customer group profitability calculation server 310 relates to the process, if the person having ordinary knowledge in the field of the present invention, with reference to this figure 7 Various implementation methods of the system for calculating the profitability of the PB customer group may be inferred, but the present invention is not limited to the drawing 7, but includes all the implementation methods inferred.

Hereinafter, in FIG. 7, the PB customer group profitability calculation server 310 illustrated in FIG. 6 is referred to as a “server” for convenience.

Referring to FIG. 7A, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (700a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 340, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 340 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 (705a).

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. In FIG. Only process 710a.

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

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. 7B, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (700b).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 340, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 340 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 (705b).

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 process 710b.

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

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. 7c, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 340 for calculating profitability. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (700c).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 340, transaction history information associated with the customer information, and employee information in charge of the transaction details.

In addition, the customer information preferably 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 340 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 (705c).

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. In FIG. Only process 710c.

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

Here, the transaction profitability information for the PB customer is preferably made including a handling fee for the passbook deposit.

Referring to FIG. 7D, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (700d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 340, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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.

Upon receiving the ledger information from the financial system 340 as described above, the server extracts the new subscription account information from the ledger information and extracts the information about the PB customer group from the new subscription account information (705d).

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. In FIG. Only process 710d.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the PB customer group (715d), and stores and registers the calculated profitability information in the server D / B (720d).

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. 7E, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (700e).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 340, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 340 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 (705e).

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 process 710e.

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the PB customer group (715e), and stores and registers the calculated profitability information in the server D / B (720e).

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 8 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 8 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 special 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.) 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 a system for calculating profitability for each employee of a window for a special customer group by extracting information about a special customer from the extracted information, Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of the special customer group with reference to this drawing 8, but the present invention is not limited to this drawing 8, 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, 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 315 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 340 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 special customer group profitability calculation server 315 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 account, the customer information The profitability of the special customer group for each employee according to 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 340 for a predetermined period of time. The method of checking is preferable, and if the person having ordinary knowledge in the field of the present invention, the cost for the staff in charge of the special customer in the method of confirming the profitability of the special customer group with reference to this figure 8 (eg, A variety of information can be added to calculate profitability of special customer groups, such as employee wages. 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 315 includes 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. 8, the special customer group profitability calculation server 315 is an information receiver 805 (or information receiver) for receiving information from the ledger D / B in association with the external system of the financial system 340. An information extracting unit 810 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 815 for confirming profitability information among information extracted from the ledger D / B. Or information confirmation means), profitability calculation unit 820 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and information storage unit 825 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 340. The ledger D / B includes customer information, account information, non-account information, employee information, necessary for calculating profitability for a special customer group. It is preferable that the transaction history information is included.

According to the embodiment of the present invention, the information receiving unit 805 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 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. Receives ledger information from the ledger D / B in connection with the external system of the financial system 340 is provided to the information extraction unit 810.

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 315 to the financial system 340 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 810 may include the customer information received from the information receiving unit 805, 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 815, or the customer information received from the information receiving unit 805, 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 815, or the customer information and the customer information received from the information receiving unit 805 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. Output will be provided to the information checking unit 815.

According to the exemplary embodiment of the present invention, the information checking unit 815 may include the customer information extracted by the information extracting unit 810, 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 810, 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, the customer information extracted from the information extraction unit 810, new subscription account information or new subscription account information associated with the customer information, Profitability of the new subscription account from the information on special customers among the employee information managing the new subscription account or the new subscription fee account The information or the new subscription ratio account profitability information is checked and provided to the information storage unit 825 and the profitability calculation unit 820.

The profitability calculation unit 820 is a subscription account profitability information for the special customer provided by the information verification unit 815 or a subscription ratio account profitability information for the special customer or transaction profitability information for the special customer or a new subscription to 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 section 825.

According to the implementation method of the present invention, the profitability calculation unit 820 profits such as interest income or loan interest income for loan accounts for borrowing and saving interest in savings accounts or savings accounts from subscription account information for special customers. 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 820 may include a handling fee for a foreign exchange product transaction or a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or an additional service in a subscription fee account information for a 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 profitability calculation unit 820 for the special customer preferably calculates profitability information such as handling fees for unpaid deposits 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 the method of the present invention, the information storage unit 825 stores the profitability information provided by the profitability calculation unit 820 in a D / B provided in the special customer group profit calculation server 315 or calculates the profitability. Interworking with a separate D / B server having a D / B for storing the profitability information provided by the unit 820 through a communication network.

According to an embodiment of the present invention, the financial system 340 calculates the ledger information in association with the ledger D / B in the financial system 340 in conjunction with the special customer group profitability calculation server 315 to calculate the profitability of the special customer group. It provides a function for providing to the server 315, the detailed description of the internal configuration has been described with reference to Figure 3, it is omitted.

In addition, the ledger information for the ledger D / B of the financial system 340 has more information than the information shown in the ledger D / B of the financial system 340 shown in Figure 8, but for calculating the profitability of the special customer group Only information is shown.

Figure 9 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.

In more detail, FIG. 9 shows the ledger information from the ledger D / B of the financial system 340 shown in FIG. 3, and the special customer group profitability calculation server 315 shown in FIG. 5 conditions (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 non-account profitability information for special customers) Regarding the process of confirming the profitability information on the storage and registration in the D / B of the special customer group profitability calculation server 315, the person having ordinary knowledge in the field to which the present invention belongs, will be referred to this figure 9. 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 9, Includes poem methods.

Hereinafter, in FIG. 9, the special customer group profitability calculation server 315 shown in FIG. 8 is referred to as a “server” for convenience.

Referring to FIG. 9A, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (900a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 340, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 340 as described above, the server extracts the subscription account information from the ledger information and extracts the information on the special customer group from the subscription account information (905a).

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 910a.

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

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. 9B, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (900b).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 340, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 340 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 (905b).

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 910b.

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

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. 9C, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (900c).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 340, transaction history information associated with the customer information, and employee information in charge of the transaction details.

In addition, the customer information preferably 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 340 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 (905c).

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 910c.

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

Here, the transaction profitability information for the special customer is preferably made including a handling fee for the passbook deposit.

Referring to FIG. 9D, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (900d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 340, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 340 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 (905d).

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 910d.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the special customer group (915d), and stores and registers the calculated profitability information in the server D / B (920d).

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. 9E, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (900e).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 340, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 340 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 (905e).

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 910e.

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the special customer group (915e), and stores and registers the calculated profitability information in the server D / B (920e).

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 10 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, FIG. 10 illustrates customer information (eg, social security number), 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 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, 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 will be able to infer various implementation methods of the system for calculating profitability of the corporate customer group with reference to this drawing 10, but the present invention is not limited to this drawing 10, 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, 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 320 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 340 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 corporate customer group profitability calculation server 320 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 340 for a predetermined period of the transaction, employee information, new subscription account information or new subscription account information in charge of the transaction history, 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 FIG. Various information for calculating the profitability of the corporate customer group such as employee wages, etc. may be added. Elements of the required 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 320 may include a D / B for storing profitability calculation results of a company customer group for each channel or employee, or a D / B for storing profitability calculation results for a 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. 10, the corporate customer group profitability calculation server 320 receives an information receiver 1005 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 340. An information extracting unit 1010 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 1015 for confirming profitability information among the information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 1020 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 1025 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 340. The ledger D / B includes customer information, account information, non-account information, employee information, necessary for calculating profitability for the corporate customer group. It is preferable that the transaction history information is included.

According to the exemplary embodiment of the present invention, the information receiving unit 1005 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. Receives ledger information from the ledger D / B in association with the external system of the financial system 340 is provided to the information extraction unit 1010 containing at least one.

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 320 from the corporate customer group profitability calculation server 320 to the financial system 340. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information extracting unit 1010 may include the customer information received from the information receiving unit 1005, 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 1015, or the customer information received by the information receiving unit 1005, 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 check unit 1015, or the customer information received from the information receiving unit 1005 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 1015.

According to the exemplary embodiment of the present invention, the information checking unit 1015 may include the customer information extracted from the information extracting unit 1010, 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 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 1010, 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 1010, 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 1025 and the profitability of the calculation unit 1020. The

The profitability calculation unit 1020 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 1015 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 1025.

According to the implementation method of the present invention, the profitability calculation unit 1020 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 corporate customers and receiving interest 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 1020 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 for the securities. 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, the profitability calculation unit 1020 for the corporate customer is preferable to calculate the profitability information such as handling fees for unpaid banknotes 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.

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 1025 stores the profitability information provided by the profitability calculation unit 1020 in a D / B provided in the corporate customer group profitability calculation server 320 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 1020 through a communication network.

According to an embodiment of the present invention, the financial system 340 calculates the corporate customer group profitability in accordance with the corporate customer group profitability calculation server 320 in association with the ledger D / B in the financial system 340 It provides a function for providing to the server 320, the detailed description of the internal configuration has been described with reference to Figure 3, it is omitted.

In addition, the ledger information for the ledger D / B of the financial system 340 has more information than the information shown in the ledger D / B of the financial system 340 shown in Figure 10, but for calculating the corporate customer group profitability Only information is shown.

Figure 11 shows the profitability information of the subscription account 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.

In more detail, FIG. 11 shows the ledger information from the ledger D / B of the financial system 340 shown in FIG. 3 and the corporate customer group profitability calculation server 320 shown in FIG. Five conditions (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 non-account profitability information for corporate customers) Checking the profitability information on the storage and registration of the customer customer group profitability calculation server 320 to the process of registration, if the person having ordinary knowledge in the field of the present invention, with reference to this figure 11 Various implementation methods of the system for calculating the profitability of the corporate customer group may be inferred, but the present invention is not limited to the drawing 11, but all inferred It includes the method of implementation.

Hereinafter, in FIG. 11, the corporate customer group profitability calculation server 320 illustrated in FIG. 10 is referred to as a “server” for convenience.

Referring to FIG. 11A, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1100a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 340, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 340 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 (1105a).

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 1110a.

Thereafter, the server calculates the profitability of the subscription account corresponding to the corporate customer group (1115a), and stores and registers the calculated profitability information in the server D / B (1120a).

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. 11B, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide ledger information of the financial system 340 ledger D / B for calculating the profitability. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1100b).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 340, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 340 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 (1105b).

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 1110b.

Thereafter, the server calculates the profitability of the subscription fee account corresponding to the corporate customer group (1115b), and stores and registers the calculated profitability information in the server D / B (1120b).

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. 11C, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1100c).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 340, transaction history information associated with the customer information, and employee information in charge of the transaction details.

In addition, the customer information preferably 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 340 as described above, the server extracts transaction history information from the ledger information, and extracts information about the corporate customer group from the transaction history information (1105c).

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 1110c.

Thereafter, the server calculates the profitability of the transaction history corresponding to the corporate customer group (1115c), and stores and registers the calculated profitability information in the server D / B (1120c).

Here, the transaction profitability information for the corporate customer is preferably made including a handling fee for the passbook deposit.

Referring to FIG. 11D, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1100d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 340, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 340 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 (1105d).

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 1110d.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the corporate customer group (1115d), and stores and registers the calculated profitability information in the server D / B (1120d).

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. 11E, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1100e).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 340, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 340 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 (1105e).

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 by referring to the information shown in the other drawings of the present invention. In FIG. Process only 1110e.

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the corporate customer group (1115e), and stores and registers the calculated profitability information in the server D / B (1120e).

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 12 shows the 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 12 shows employee information, investment finance associated 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 the 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. As will be appreciated, the invention is not limited to this drawing 12 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 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 general financial group or the branch (or branch) of the financial institution for profitability calculation by the credit management information of the comprehensive financial group or profitability calculation by the credit management information of the comprehensive financial group or the procurement information of the comprehensive financial group. And a financial system 340 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 325 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 340 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. 12 to determine the profitability of the comprehensive financial group and to calculate the profitability of the comprehensive financial group such as the expenses (eg, employee wages) for the employees belonging to the comprehensive financial group. Although various information can be added, in FIG. 12, the factor of employee's cost is not used for profitability calculation. And strategy.

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 325 includes a D / B for storing the profitability calculation result of the general financial group for each employee or a separate D / B for storing the profitability calculation result of the general financial group for each employee. Interlocked with D / B server and communication network.

Referring to FIG. 12, the comprehensive financial group profitability calculation server 325 receives an information receiver 1205 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 340. An information extracting unit 1210 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 1215 for confirming profitability information among information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 1220 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 1225 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 340. The ledger D / B includes employee information, investment information, credit information, and reception information necessary for calculating profitability for the comprehensive financial group. It is preferable to make.

According to the embodiment of the present invention, the information receiving unit 1205 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. The information extracting unit receives the ledger information from the ledger D / B in connection with the external system of the financial system 340 including investment information, credit management information, or receiving procurement information including the above. Provided at 1210.

Here, the ledger information is the employee information requested from the comprehensive financial group profitability calculation server 325 to the financial system 340 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 extracting unit 1210 may include the employee information received from the information receiving unit 1205, 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 1215 or the employee information and the employee information. Extract information on the comprehensive financial group from the credit management information and provide it to the information verification unit 1215, or extract information on the comprehensive financial group from the reception information associated with the employee information and the employee information. It is provided to the identification part 1215.

According to the exemplary embodiment of the present invention, the information confirming unit 1215 may include the employee information provided by the information extracting unit 1210, 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 1220.

The profitability calculation unit 1220 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 verification unit 1215. 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 1225.

According to an embodiment of the present invention, the profitability calculation unit 1220 may be an investment banking or 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 1215. 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 1220 calculates the profitability by linking the profitability information of the general financial group including at least one or more profit information of the credit which confirmed at least one profitability information 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 1220 calculates the profitability in connection with the profitability information for the general financial group including at least one or more 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 1225 stores profitability information provided by the profitability calculation unit 1220 in a D / B provided in the comprehensive financial group profit calculation server 325 or calculates the profitability. Interworking with a separate D / B server having a D / B for storing the profitability information provided by the unit 1220 through a communication network.

According to the method of the present invention, the financial system 340 calculates the general financial group profitability in general ledger information in connection with the general ledger D / B in the financial system 340 in connection with the comprehensive financial group profitability calculation server 325 It provides a function for providing to the server 325, the detailed description of the internal configuration has been described with reference to Figure 3, it will be omitted.

In addition, the ledger information for the ledger D / B of the financial system 340 has more information than the information shown in the ledger D / B of the financial system 340 shown in Figure 12, Only information is shown.

13 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 the embodiment of the present invention The operating flow of the system is shown.

In more detail, FIG. 13 shows the general ledger information from the general financial group through the comprehensive financial group profitability calculation server 325 shown in FIG. Check the profitability information on three conditions (investment profitability information for the comprehensive financial group, credit profitability information for the comprehensive financial group, and receiving profitability information for the comprehensive financial group) to determine D / Regarding the process of storing and registering in B, a person having ordinary knowledge in the field to which the present invention belongs may infer various implementation methods of a system for calculating profitability of a comprehensive financial group with reference to FIG. The present invention is not limited to this figure 13, but includes all implementation methods inferred from the above.

Hereinafter, in FIG. 13, the comprehensive financial group profitability calculation server 325 illustrated in FIG. 12 is referred to as a “server” for convenience.

Referring to FIG. 13A, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1300a).

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 of the financial system 340, registered employee information, investment financial information associated with the employee information, international financial information, ABS (Asset-Backed Securities) information, SOC information, It is preferable to include at least one investment information invested in 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 the information on the groups other than the comprehensive financial 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. Only bays are processed (1305a / 1310a).

Thereafter, the server calculates the profitability of the new subscription account corresponding to the comprehensive financial group (1315a), and stores and registers the calculated profitability information in the server D / B (1320a).

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. 13B, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for calculating the profitability. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1300b).

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 of the financial system 340, 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 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. Process only 1305b / 1310b.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the comprehensive financial group (1315b), and stores and registers the calculated profitability information in the server D / B (1320b).

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. 13C, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1300c).

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 of the financial system 340, 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 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. Process only 1305c / 1310c.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the comprehensive financial group (1315c), and stores and registers the calculated profitability information in the server D / B (1320c).

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

In more detail, Figure 14 shows employee information, KRW 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 for profit / calculation of the fund / international group. It shows the internal structure of the system for calculating profitability information by extracting only information corresponding to fund / international group from information and marketing performance information, and based on the identified profitability information. As those skilled in the art to which the present invention pertains, various embodiments of the system for calculating the profitability of funds / international groups will be inferred with reference to this drawing. It includes, but is not limited to, all the methods of inferred above.

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 330) 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 340 to.

The fund / international group profitability calculation server 330 is employee information, won or foreign currency fund management information associated with the employee information, business information for foreign exchange business, derivatives management information, stock management information, bond management information, marketing performance A method of extracting information from the financial system 340 and confirming the profitability of the employee-specific funds / international group based on the employee information is preferable. 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. 14, 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 330 may include a D / B for storing the profit / calculation result of each employee / fund / international group or a D / B for storing the profit / calculation result of the international fund / group for each employee It is linked with a separate D / B server and communication network.

Referring to FIG. 14, the fund / international group profitability calculation server 330 receives an information receiver 1405 (or an information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 340. ), An information extracting unit 1410 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 1415 for confirming profitability information among the information extracted from the ledger D / B. (Or information confirmation means), profitability calculation unit 1420 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and information storage unit 1425 (or storing the profitability calculation information in the D / B) (or Information storage means).

Here, the ledger D / B is a D / B provided in the financial system 340. In the ledger D / B, the employee information, the won or foreign currency money management information, and the foreign exchange business information necessary for the profitability calculation for the funds / international group are included. , Derivatives management information, stock management information, bond management information, and marketing information.

According to the embodiment of the present invention, the information receiving unit 1405 is employee information, won or foreign currency money management information associated with the employee information, or business information according to the foreign exchange business, or derivatives management information, stocks according to derivatives management Ledger information from the ledger D / B in connection with the external system of the financial system 340 including information on at least one of stock management information, bond management information on bond management, and marketing information generating profits on marketing. Received to provide to the information extraction unit 1410.

Here, the ledger information is employee information requested from the fund / international group profitability calculation server 330 to the financial system 340 in order 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 1410 extracts information on the money / international group from the employee information received from the information receiving unit 1405 and the won or foreign currency money management information associated with the employee information. Or provide information to the information verification unit 1415 by extracting information on funds / international groups from the employee information and business information according to the foreign exchange business associated with 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 1415, 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 1415 or fund / interest information from bond management information linked to the employee information and the employee information. Extract information about the first group and provide the information to the information confirming unit 1415 or extract information about the fund / international group from the employee information and the marketing information associated with the employee information. To provide.

According to the exemplary embodiment of the present invention, the information checking unit 1415 may include the employee information provided by the information extracting unit 1410, profitability information of 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 1410, 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 1410. , Fund information from the fund / international group profitability information from the employee information, derivative product management information associated with the employee information, or the employee information provided from the information extracting unit 1410, from the stock management information associated with the employee information. Profitability information of the international group or the employee information provided by the information extraction unit 1410, the fund management information of the international group from the bond management information associated with the employee information, or Beam and provides the extracted portion 1410 by the employee information, and determine the profitability of the money information / International Marketing Group in the information to calculate the margin portion 1420 associated with the information provided by the employee.

The profitability calculation unit 1420 may determine the profitability information of the won or foreign currency funds, the foreign currency for the funds / international group, which has confirmed the profitability information in the won or foreign currency fund management information for the funds / international group provided by the information checking unit 1415. 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 1425.

According to the implementation method of the present invention, the profitability calculation unit 1420 is a profit of the won or foreign currency funds confirmed the profitability information in the won or foreign currency funds management information for the funds / international group provided by the information checker 1415 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 1420 may include profitability information for the money / international group, which includes foreign exchange business profitability information obtained from the foreign exchange business information for the money / international group provided by the information checking unit 1415. 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 1420 may include a profitability of the fund / international group including derivative product profitability information of which the profitability information is identified in the derivative product management information for the fund / international group provided by the information checking unit 1415. 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 1420 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 1415. 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 1420 may include profitability information for the money / international group including bond profitability information obtained from the bond management information for the money / international group provided by the information checker 1415. 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 1420 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 1415. 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 the method of the present invention, the information storage unit 1425 stores the profitability information provided by the profitability calculation unit 1420 in the D / B provided in the fund / international group profit calculation server 330, 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 1420 through a communication network.

According to the implementation method of the present invention, the financial system 340 in connection with the ledger D / B in the financial system 340 in connection with the fund / international group profitability calculation server 330 fund / international group It provides a function for providing to the profitability calculation server 330, and detailed description of the internal configuration has been described with reference to Figure 3, it is omitted.

In addition, the ledger information for the ledger D / B of the financial system 340 has more information than the information shown in the ledger D / B of the financial system 340 shown in Figure 14, but the fund / international group profitability calculation Only the information for this is shown.

Figure 15 shows the won 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.

In more detail, Figure 15 shows the ledger information from the ledger D / B of the financial system 340 shown in Figure 3 and the funds / international group through the fund / international group profitability calculation server 330 shown in Figure 14 Profitability calculation server for profit / international group by checking profitability information on the above six conditions (won or foreign currency profitability information, foreign exchange business profitability information, derivatives profitability information, stock profitability information, bond profitability information, marketing profitability information) Regarding the process of storing and registering in D / B of 330, those skilled in the art to which the present invention pertains, various implementations of a system for profit / international group profit calculation with reference to FIG. The method may be inferred, but the present invention is not limited to this figure 15 and includes all the inferred implementation methods.

Hereinafter, in FIG. 15, the fund / international group profitability calculation server 330 shown in FIG. 14 is referred to as a “server” for convenience.

Referring to FIG. 15A, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 340 for calculating profitability. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1500a).

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 of the financial system 340, 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. Process only parts for international groups (1505a / 1510a).

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 (1515a), and stores and registers the calculated profitability information on the server D / B ( 1520a).

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. 15B, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 340 for calculating profitability. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1500b).

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 of the financial system 340, registered business information, 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 the other drawings of the present invention. Only parts for international groups are processed (1505b / 1510b).

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 (1515b), and stores and registers the calculated profitability information in the server D / B (1520b).

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. 15c, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1500c).

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 of the financial system 340, derivative product management information for the derivative product management associated with the employee information.

When extracting information on groups other than funds / international group 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. Only the part for (1505c / 1510c) is processed.

Thereafter, the server calculates the profitability of the derivative product corresponding to the fund / international group in the derivative product management information (1515c), and stores and registers the calculated profitability information in the server D / B (1520c).

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. 15D, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 340 for calculating profitability. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1500d).

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 of the financial system 340, the stock management information for the stock management associated with the employee information.

If information about 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 (1505d / 1510d).

Thereafter, the server calculates the profitability of the derivative product corresponding to the fund / international group in the stock management information (1515d), and stores and registers the calculated profitability information in the server D / B (1520d).

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. 15E, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for calculating the profitability. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1500e).

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 employee information stored and registered in the ledger D / B of the financial system 340, bond management information for the bond management associated with employee information.

If information on groups other than funds / international groups 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 (1505e / 1510e).

Thereafter, the server calculates the profitability of the derivative product corresponding to the fund / international group in the bond management information (1515e), and stores and registers the calculated profitability information in the server D / B (1520e).

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. 15F, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1500f).

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 of the financial system 340, marketing performance information associated with the employee information.

If information on 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 (1505f / 1510f).

Thereafter, the server calculates the marketing profitability corresponding to the fund / international group from the marketing performance information (1515f), and stores and registers the calculated profitability information in the server D / B (1520f).

Here, the marketing profitability information for the fund / international group is a new product through marketing activities

It is desirable to include potential merchandise revenue through sales.

Figure 16 shows a system configuration for calculating the profitability of the trust clerk according to the embodiment of the present invention.

More specifically, Figure 16 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 you have a general knowledge in the field of the present invention, 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 16, 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, 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 335 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 340.

The trust group profitability calculation server 335 extracts employee information, trust information associated with the employee information, or trust task information, or fund office management information from the financial system 340, 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 wage, 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 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 335 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. 16, the trust group profit calculation server 335 may include an information receiver 1605 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 340. An information extraction unit 1610 (or information extraction means) for extracting necessary information from the information received from the ledger D / B, and an information confirmation unit 1615 for confirming profitability information among information extracted from the ledger D / B (or Information confirmation means), a profitability calculation unit 1620 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 1625 (or information storage) for storing the profitability calculation information in the D / B. Means).

Here, the ledger D / B is a D / B provided in the financial system 340. The ledger D / B includes employee information, trust business information, and fund office management information necessary for calculating profitability for the trust group. It is preferable.

According to an embodiment of the present invention, the information receiving unit 1605 may include information on the financial system 340 including at least one 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 in association with an external system and provided to the information extraction unit 1610.

Here, the ledger information is the employee information requested from the trust group profitability calculation server 335 to the financial system 340 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 1610 extracts information on the trust group from the employee information received from the information receiving unit 1605 and the trust information associated with the employee information, and the information confirming unit ( 1615) 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 1615 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 1615.

According to the exemplary embodiment of the present invention, the information checking unit 1615 may include the employee information provided by the information extracting unit 1610, the profitability information of the trust group in the trust information associated with the employee information, or the information extracting unit ( The employee information provided in 1610, the profitability information of the trust group in the trust service information associated with the employee information, or the employee information provided by the information extraction unit 1610, 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 1620.

The profitability calculation unit 1620 is the trust profitability information confirmed in the trust information for the trust group provided by the information verification unit 1615, the trust profitability information confirmed in the trust business information for the trust group, the 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 1625 with profitability information for the calculated trust group.

According to an exemplary embodiment of the present invention, the profitability calculator 1620 may include profitability information for a trust group including trust profitability information that confirms profitability information from trust information provided by the information checker 1615. 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 1620 calculates profitability by linking with the profitability information for the trust group including the trust profitability information that confirmed the profitability information in the trust service information provided by the information checking unit 1615. 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 calculation unit 1620 may determine profitability by linking with profitability information for a trust group including fund profitability information in which the fund office management information for the trust group provided by the information checking unit 1615 includes the profitability information. 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 method of the present invention, the information storage unit 1625 stores the profitability information provided by the profitability calculator 1620 in a D / B provided in the trust group profit calculation server 335 or the profitability calculator It is linked with a separate D / B server having a D / B for storing the profitability information provided in 1620 through a communication network.

According to the implementation method of the present invention, the financial system 340 is linked to the trust group profit calculation server 335, the ledger information in conjunction with the ledger D / B inside the financial system 340 trust group profit calculation server ( 335) to provide a function, and since the detailed description of the internal configuration has been described with reference to FIG.

In addition, the ledger information for the ledger D / B of the financial system 340 has more information than the information shown in the ledger D / B of the financial system 340 shown in Figure 16, information for calculating the trust group profitability Shows the bay.

17 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.

More specifically, FIG. 17 shows the ledger information from the ledger D / B of the financial system 340 shown in FIG. 3 and the three kinds of trust groups through the trust group profitability calculation server 335 shown in FIG. The present invention relates to a process of checking and storing profitability information on conditions (trust profitability information, trust profitability information, and fund profitability information) in the D / B of the trust group profitability calculation server 335. Those skilled in the art will be able to infer various implementation methods of the system for calculating profitability of the trust group with reference to this drawing 17, but the present invention is not limited to this drawing 17, and all the inferred implementation methods are Include.

Hereinafter, in FIG. 17, the trust group profitability calculation server 335 shown in FIG. 16 is referred to as "server" for convenience.

Referring to FIG. 17A, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1700a).

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 of the financial system 340, 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.

If information on groups other than the trust group is extracted 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. 17A, only the part of the trust group is processed. (1705a / 1710a).

Thereafter, the server calculates trust profitability corresponding to the trust group in the trust information (1715a), and stores and registers the calculated profitability information in the server D / B (1720a).

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. 17B, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide the ledger information of the ledger D / B of the financial system 340 for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1700b).

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 of the financial system 340, registered employee information, trust information associated with the employee information.

In addition, the trust service information is preferably made of at least one or more, such as trust fees, asset storage fees.

If information on groups other than the trust group is extracted from the trust service information, the information is processed by referring to the information shown in the other drawings of the present invention according to each group, and in FIG. 17B, only the part of the trust group is processed. (1705b / 1710b).

Thereafter, the server calculates trust profitability corresponding to the trust group in the trust information (1715b), and stores and registers the calculated profitability information in the server D / B (1720b).

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. 17c, the server accesses the financial system 340 through a predetermined communication network, requests the server to provide ledger information of the financial system 340 ledger D / B for the profitability calculation. In response, the financial system 340 provides the ledger information of the ledger D / B to the server (1700c).

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 of the financial system 340, fund office management information associated with the employee information.

In addition, it is preferable that the fund office management information includes a business commission.

If information about groups other than the trust group is extracted from the fund office management information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Processing (1705c / 1710c).

Thereafter, the server calculates trust profitability corresponding to the trust group in the trust information (1715c), and stores and registers the calculated profitability information in the server D / B (1720c).

Here, the fund profitability information for the trust group is preferably made to include profitability information according to the commission commission.

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

In more detail, Figure 18 shows the employee information, the profitability information of the employee linked to the employee information, the employee's position information, the employee's organization information of the employee for the integrated profitability calculation of the individual customer group profit calculation server 305 Or the PB customer group profitability calculation server 310, the special customer group profitability calculation server 315, or the corporate customer group profitability calculation server 320, or the comprehensive financial group profitability calculation server 325, or The internal structure of the system for operating profitability calculation results for each channel / staff received from the fund / international group profitability calculation server 330 and the trust group profitability calculation server 335 is shown. Those skilled in the art will be able to infer various implementation methods of the system for operating the integrated profitability calculation result with reference to this drawing 18. It is not limited to, but includes all the implementation methods inferred.

According to an embodiment of the present invention, the integrated profitability calculation system includes employee profitability information of individual customer group, employee profitability information of PB customer group, employee profitability information of special customer group, employee profitability information of corporate customer. Integrated profitability calculation server (300) for integrated profitability calculation based on profitability information of employees of the General Financial Group, profitability information of employees of the Fund / International Group, and profitability information of employees of the Trust Group, branches (or branches) of financial institutions And a financial system 340 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 300 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, corporate customer group profitability information, comprehensive financial group profitability information, fund / international group profitability information, trust group profitability information, individual customer group profitability calculation server (305), PB customer group profitability calculation server (310) , Special customer group profitability calculation server (315), corporate customer group profitability calculation server (320), comprehensive financial group profitability calculation server (325), fund / international group profitability calculation server (330), trust group profitability calculation server (335) Extracted from the method, it is preferable to check the integrated profitability of each branch or organization according to the branch information of the employee or the organization information of the employee, it is common in the field of the present invention If the person having the formula, with reference to this figure 18 can be added 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, The factor of employee expenses 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 300 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 Figure 18, the integrated profitability calculation server 300, the individual customer group profitability calculation server 305, PB customer group profitability calculation server 310, special customer group profitability calculation server 315, corporate customer group Receive profitability information from each server D / B in connection with profitability calculation server 320, comprehensive financial group profitability calculation server 325, funds / international group profitability calculation server 330, trust group profitability calculation server 335 Information receiving unit 1805 (or information receiving means), the individual customer group profitability calculation server D / B 1830, the PB customer group profitability calculation server D / B 1835, the special customer group profitability calculation server D / B ( 1840), Corporate Customer Group Profitability Calculation Server D / B (1845), Comprehensive Financial Group Profitability Calculation Server D / B (1850), Fund / International Group Profitability Calculation Server D / B (1855), Trust Group Profitability Calculation Server D / An information extractor 1810 (or tablet) for extracting necessary information from information received from B 1860. Extraction means), the individual customer group profit calculation server D / B (1830), PB customer group profit calculation server D / B (1835), special customer group profit calculation server D / B (1840), corporate customer group profit calculation server Profitability from information extracted from D / B (1845), Profitability calculation server D / B (1850), Fund / International group profitability calculation server D / B (1855), and Trust Group profitability calculation server D / B (1860) Profitability calculation unit 1820 (or profitability calculation means) for calculating the information, information confirmation unit 1815 (or information confirmation means) for identifying the point or organization from the profitability calculation information, the profitability calculation information D / An information storage unit 1825 (or information storage means) stored in B is characterized by being provided.

Here, the personal customer group profitability calculation server D / B 1830 preferably includes employee profitability information, employee information, branch information of the employee, and organizational information of the employee.

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

In addition, the special customer group profitability calculation server D / B (1840) 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 D / B is preferably made to include the employee-specific profitability information, employee information, employee position information, the employee organization information of the employee for the corporate customer group.

In addition, the comprehensive financial group profit calculation server D / B (1850) preferably comprises 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 D / B 1855 preferably includes employee profitability information, employee information, branch information of the employee, and organizational information of the employee. Do.

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

According to the exemplary embodiment of the present invention, the information receiving unit 1805 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, Profit calculation server (305), PB customer group profitability calculation server (310) including information comprising at least one of special customer group profitability information, comprehensive financial group profitability information, funds / international group profitability information, trust group profitability information ), Special customer group profitability calculation server (315), corporate customer group profitability calculation server (320), comprehensive financial group profitability calculation server (325), fund / international group profitability calculation server (330), trust group profitability calculation server (335 Receiving profitability information from) and provides it to the information extraction unit 1810.

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, 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, 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 for the corporate customer group may include profitability information by the account product or non-account product of the corporate customer group, profitability information by transaction history of the corporate customer group, new account product or new non-account product of the corporate customer group. 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 embodiment of the present invention, the information extracting unit 1810 is the employee information received from the information receiving unit 1805, the employee's position information, the employee's organization information, the individual associated with the employee information By extracting profitability information by employee's branch or organization from 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 information confirmation unit 1815.

According to the exemplary embodiment of the present invention, the information confirming unit 1815 is associated with the employee information, the branch information of the employee, the organizational information of the employee, and the individual provided by the information extracting unit 1810. 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 1820.

The profitability calculation unit 1820 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, trust provided by the information verification unit 1815. 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 1825.

According to the exemplary embodiment of the present invention, the profitability calculator 1820 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 checker 1815.

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 1820 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 1815.

In addition, the profitability calculation unit 1820 may calculate the profitability in connection with the branch or organization information of the employee in the special customer group profitability information provided by the information confirmation unit 1815.

In addition, the profitability calculation unit 1820 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 1815.

In addition, the profitability calculator 1820 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 checker 1815.

In addition, the profitability calculation unit 1820 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 verification unit 1815.

In addition, the profitability calculator 1820 may calculate profitability in connection with the branch or organization information of the employee in the trust group profitability information provided by the information checker 1815.

According to the exemplary embodiment of the present invention, the information storage unit 1825 stores profitability information provided by the profitability calculation unit 1820 in a D / B provided in the integrated profitability calculation server 300 or the profitability calculation unit ( 1820) through the communication network and a separate D / B server having a D / B for storing the profitability information provided in.

Figure 19 shows the 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.

More specifically, FIG. 19 shows the individual customer group profitability calculation server 305 shown in FIG. 4, the PB customer group profitability calculation server 310 shown in FIG. 6, and the special customer group profitability calculation server shown in FIG. 315), the corporate customer group profitability calculation server 320 shown in FIG. 10, the comprehensive financial group profitability calculation server 325 shown in FIG. 12, the fund / international group profitability calculation server 330 shown in FIG. Take profitability information from the D / B of the trust group profit calculation server 335 shown in FIG. 16, calculate profitability information for each branch or organization shown in FIG. 18, and store it in the D / B of the integrated profit calculation server 300. Regarding the registration process, a person having ordinary knowledge in the field to which the present invention pertains may refer to this drawing 19 to infer various implementation methods of a system for calculating profitability for each point or organization. Invention seen Not limited to the surface 19, it includes all the embodiments in which the inference method.

Hereinafter, in FIG. 19, the integrated profitability calculation server 300 shown in FIG. 18 is referred to as a "server" for convenience.

19, the personal customer group profitability calculation server 305, the PB customer group profitability calculation server 310, or the special customer group profitability calculation server 315, or a corporate customer through a predetermined communication network in the server. Access to the group profit calculation server 320, the comprehensive financial group profit calculation server 325, the fund / international group profit calculation server 330, or the trust group profit calculation server 335, and calculate the profitability with the server. The individual customer group profitability calculation server 305, or PB customer group profitability calculation server 310, or special customer group profitability calculation server 315, or corporate customer group profitability calculation server 320, or a comprehensive financial group for Providing profitability information stored and registered in the D / B of each of the profitability calculation server 325, the fund / international group profitability calculation server 330, or the trust group profitability calculation server 335, and correspondingly Customer group profitability calculation server 305, or PB customer group profitability calculation server 310, or special customer group profitability calculation server 315, or corporate customer group profitability calculation server 320, or comprehensive financial group profitability calculation server ( 325, or the fund / international group profitability calculation server 330, or the trust group profitability calculation server 335, provides the profitability information of the D / B to the server (1900).

Here, the employee information is preferably made to include at least one or more information, such as employee number, employee ID information of the employee.

When extracting information on a point or organization other than the point or organization being calculated from the trust information, the extracted information is discarded and only a part of the point or organization being calculated is processed (1905/1910).

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 (1915), and the calculated profitability information is stored and registered in the server D / B (1920).

Here, the profitability information for the individual customer group includes 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, 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, 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 for the corporate customer group may include profitability information by the account product or non-account product of the corporate customer group, profitability information by transaction history of the corporate customer group, new account product or new non-account product of the corporate customer group. 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.

20 shows the configuration of the entire system for analyzing profitability in the past and predicting profitability in the future according to the method of the present invention.

More specifically, Figure 20 divides the profit calculation unit into seven for profitability analysis in the past, calculates the profitability of each unit according to the date on each of the seven servers, and calculates the results from the seven profit and loss prediction servers ( 2000) shows a system that enables the prediction and operation of past profitability analysis and future profitability prediction, and those of ordinary skill in the art to which the present invention pertains, the past profitability with reference to FIG. While various implementation methods for analyzing and predicting and operating future profitability predictions may be inferred, the present invention is not limited to this figure 20 and includes all the implementation methods inferred.

Referring to FIG. 20 according to an embodiment of the present invention, the overall system for predicting and operating past profitability analysis and future profitability prediction is individual customer group profitability calculation server (2005), PB customer group profitability calculation server (2010). , Special customer group profitability calculation server (2015), corporate customer group profitability calculation server (2020), comprehensive financial group profitability calculation server (2025), fund / international group profitability calculation server (2030), trust group profitability calculation server (2035) And a profit and loss prediction server 2000 and a financial system 2040.

In addition, individual customer group profitability calculation server (2005), PB customer group profitability calculation server (2010), special customer group profitability calculation server (2015), corporate customer group profitability calculation server (2020), comprehensive financial group profitability calculation server (2025) ), The fund / international group profitability calculation server 2030, the trust group profitability calculation server 2035, the integrated profitability calculation server may be provided inside the financial system 2040, or may be provided outside the financial system 2040. It may be.

In addition, individual customer group profitability calculation server (2005), PB customer group profitability calculation server (2010), special customer group profitability calculation server (2015), corporate customer group profitability calculation server (2020), comprehensive financial group profitability calculation server (2025) ), The fund / international group profit calculation server 2030, the trust group profit calculation server 2035, 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 the information of the individual customer group receiving information from the ledger D / B in connection with the external system of the financial system 2040 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, 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 confirming the profitability information for each date for the fund / international group, at least one information confirmation for confirming the profitability information for each date for the trust group.

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 profitability information by date for the employee affiliation branch of the individual customer group provided by the profitability calculation unit for each 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 Forecast results are calculated and historical profitability information can be used to determine the past profitability of employees of branches of the 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 to store in the information storage unit to store the profitability calculation information D / B by date for the comprehensive financial group, Information storage to store the profitability calculation information D / B by date for the 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 unit to store forecast information in D / B, information storage unit to store profitability forecast information for D / B by date, and information storage unit to store 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 stores 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 2005 calculates profitability by date by the account product or non-account product of the individual customer group or profitability calculation by date or transaction history 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 the exemplary embodiment of the present invention, the PB customer group profitability calculation server 2010 calculates profitability by the account product or non-account product of the PB customer group or profitability calculation by the transaction history of the PB customer group or the PB customer group. The PB customer group profitability calculation server (2010) calculation function for calculating the profitability of the new account product or the new non-account subscription of the characterized in that it provides a function.

According to the method of the present invention, the special customer group profitability calculation server 2015 calculates the profitability by the account product or 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 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 an embodiment of the present invention, the corporate customer group profitability calculation server 2020 may calculate profitability based on account products or non-account products of the corporate customer group or profitability calculation based on a predetermined period of transaction of the corporate customer group or 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 the implementation method of the present invention, the comprehensive financial group profitability calculation server 2025 may be based on 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 2030 is the money / international group's won money management information or foreign currency fund management information, or the fund / 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 provides a function.

According to the implementation method of the present invention, the trust group profit calculation server 2035 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 an exemplary embodiment of the present invention, the integrated profitability calculation server may include profitability information calculated by the individual customer group profitability calculation server 2005, profitability information calculated by the PB customer group profitability calculation server 2010, or the special information. Profitability information calculated by the customer group profitability calculation server 2015, profitability information calculated by the corporate customer group profitability calculation server 2020, profitability information calculated by the comprehensive financial group profitability calculation server 2025, or funds / International group profitability calculation server 2030, the trust group profitability calculation server 2035 characterized by providing an integrated profitability calculation function comprising at least one or more profitability information.

According to an embodiment of the present invention, the financial system 2040 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.

Further, the financial system 2040 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 2040 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based network connected to the TCP / IP-based backbone network through the Internet banking server) At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 2040 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 2040 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 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 2040 is characterized in that associated with a predetermined telebanking server, connected to a predetermined wired voice call network (for example, 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 2040 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 2040 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. 20, the financial system 2040 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 2040 and at least one other financial system 2040 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) System 2040, and / or an external system that provides various financial transaction interfaces through at least one or more common networks (e.g., CD common network, financial common network). 2040 is an interface module corresponding to a middleware platform that provides inter-component interfacing within the financial system 2040, and predetermined functions required for performing respective functions in components in the financial system 2040. 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 2040 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 2040 and the purpose of the financial system 2040. 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 2040, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

Figure 21 shows the system configuration for calculating the profitability of the individual customer teller according to the embodiment of the present invention.

More specifically, Figure 21 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 individual customer groups. 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 the profitability of the individual customer group with reference to this drawing 21, but the present invention is not limited to this drawing 21, and 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.

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 Individual customer group profitability calculation server (2005) 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 2040 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 personal customer group profitability calculation server 2005 links 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. Extracted from the financial system 2040, 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 individual 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 individual customer in the method of checking the profitability of the individual customer group with reference to this figure 21 (eg, A variety of information for calculating the profitability of individual 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 personal customer group profitability calculation server 2005 includes a D / B for storing the profitability calculation results of the individual customer group for each channel or employee, or the D / B for storing the 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. 21, the personal customer group profitability calculation server 2005 receives an information receiver 2105 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 2040. An information extracting unit 2110 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 2115 for confirming profitability information among information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 2120 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 2125 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 2040, and the ledger D / B includes customer information, account information, non-account information, employee information, necessary for calculating profitability for an individual customer group. It is preferable that the transaction history information is included.

According to the embodiment of the present invention, the information receiving unit 2105 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 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. Receives ledger information from the ledger D / B in connection with the external system of the financial system 2040 is provided to the information extraction unit 2110.

Here, the ledger information includes customer information, account information, non-account information, employee information, transaction history information requested by the financial system 2040 from the individual customer group profitability calculation server 2005 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 2110 may include the customer information received from the information receiving unit 2105, 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 2115, or the customer information received by the information receiving unit 2105, for a predetermined period associated with the customer information Transaction information, and extracts the information about the individual customer from the employee information in charge of the transaction history to the information verification unit 2115, or the customer information received from the information receiving unit 2105 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 2115.

According to the exemplary embodiment of the present invention, the information checking unit 2115 may include the customer information extracted from the information extracting unit 2110, one or more subscription account information or subscription non-account information associated with the customer information, the subscription account or subscription 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 from the information extraction unit 2110, 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 details, the customer information extracted from the information extraction unit 2110, 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 2125 and the profitability of the calculation unit 2120.

The profitability calculation unit 2120 may include subscription account profitability information for the individual customer or subscription non-account profitability information for the individual customer, transaction profitability information for the individual customer, or new subscription for the individual customer. 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 2125.

According to the implementation method of the present invention, the profitability calculation unit 2120 profits 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 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 2120 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 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 2120 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 exemplary embodiment of the present invention, the information storage unit 2125 stores profitability information provided by the profitability calculation unit 2120 in a D / B provided in the personal customer group profitability calculation server 2005 or calculates the profitability. Interworking with a separate D / B server having a D / B for storing the profitability information provided by the unit 2120 through a communication network.

According to the implementation method of the present invention, the financial system 2040 calculates the individual customer group profitability of the ledger information in association with the ledger D / B in the financial system 2040 in connection with the personal customer group profitability calculation server 2005 It provides a function for providing to the server (2005), and since the detailed description of the internal configuration has been described with reference to FIG.

In addition, the ledger information for the ledger D / B of the financial system 2040 has more information than the information shown in the ledger D / B of the financial system 2040 shown in Figure 21, Only information is shown.

Figure 22 is a subscription account profitability information for individual customers, profitability information for individual customers, transaction profitability information for individual customers, new profitability 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 subscription account profitability information and new subscription non-account profitability information for individual customers, is illustrated.

More specifically, FIG. 22 shows the ledger information from the ledger D / B of the financial system 2040 shown in FIG. 20, and the personal customer group profitability calculation server 2005 shown in FIG. 5 conditions (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 non-account profitability information for individual customers) Regarding the process of checking and storing the profitability information on the D / B of the individual customer group profitability calculation server 2005, and registering the information, the person having ordinary knowledge in the field to which the present invention belongs, will be referred to this figure 22 Various implementation methods of the system for calculating the profitability of the individual customer group may be inferred, but the present invention is not limited to this figure 22, but is inferred from the above It includes all implementation methods.

Hereinafter, in Fig. 22, the personal customer group profitability calculation server 2005 shown in Fig. 21 is referred to as " server "

Referring to FIG. 22A, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide the ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2200a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 2040 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 (2205a).

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 2210a.

Thereafter, the server calculates the profitability of the subscription account corresponding to the individual customer group (2215a), and stores and registers the calculated profitability information in the server D / B (2220a).

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. 22B, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide the ledger information of the ledger D / B of the financial system 2040 for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2200b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 2040 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 (2205b).

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 2210b.

Thereafter, the server calculates the profitability of the subscription fee account corresponding to the individual customer group (2215b), and stores and registers the calculated profitability information in the server D / B (2220b).

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. 22c, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2200c).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, transaction history information associated with the customer information, and employee information in charge of the transaction details.

In addition, the customer information preferably 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 2040 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 (2205c).

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 2222c.

Thereafter, the server calculates the profitability of the transaction history corresponding to the individual customer group (2215c), and stores and registers the calculated profitability information in the server D / B (2220c).

Here, the transaction profitability information for the individual customer is preferably made including a handling fee for the passbook deposit.

Referring to FIG. 22D, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide the ledger information of the ledger D / B of the financial system 2040 for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2200d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 2040 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 (2205d).

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 (2210d).

Thereafter, the server calculates the profitability of the new subscription account corresponding to the individual customer group (2215d), and stores and registers the calculated profitability information in the server D / B (2220d).

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. 22E, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2200e).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 2040 as described above, the server extracts the new subscription fee account information from the ledger information, and extracts information about the individual customer group from the new subscription fee account information (2205e).

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 2222e.

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the individual customer group (2215e), and stores and registers the calculated profitability information in the server D / B (2220e).

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 23 shows a system configuration for calculating the profitability of the PB customer teller staff according to the embodiment of the present invention.

More specifically, Figure 23 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 / 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 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 23 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 23, 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, 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 (2010) for calculating the profitability of joining a new account product or a new non-account product, at least through one or more face-to-face or non-face-to-face financial transaction channels provided at branches (or branches) of financial institutions And a financial system 2040 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 2010 links 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, 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 2040 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 PB customer in the method of confirming the profitability of the PB customer group with reference to this figure 23 (eg, A variety of information for calculating the PB customer group profitability calculation server 2010, such as employee wage, etc., may 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 PB customer group profitability calculation server 2010 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 for 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. 23, the PB customer group profitability calculation server 2010 receives an information receiver 2305 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 2040. An information extracting unit 2310 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 2315 for confirming profitability information among information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 2320 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 2325 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 2040, and the ledger D / B includes customer information, account information, non-account information, employee information, necessary to calculate profitability for the PB customer group. It is preferable that the transaction history information is included.

According to the embodiment of the present invention, the information receiving unit 2305 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 ledger information from the ledger D / B in connection with the external system of the financial system 2040 is provided to the information extraction unit 2310.

Here, the ledger information includes customer information, account information, non-account information, employee information, transaction history information requested from the PB customer group profitability calculation server 2010 to the financial system 2040 in order 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 2310 may include the customer information received from the information receiving unit 2305, 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 employee information provided to the information verification unit 2315 or the customer information received by the information receiving unit 2305, 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 2315 or the customer information received from the information receiving unit 2305 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 it provides the identification unit (2315).

According to the exemplary embodiment of the present invention, the information checking unit 2315 may include the customer information extracted from the information extracting unit 2310, 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 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 2310, 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 2310, 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 Is available in the information storage unit (2325) and the margins of the calculation unit 2320 to determine the new subscription account profitability information.

The profitability calculation unit 2320 may include subscription account profitability information for the PB customer or subscription non-account profitability information for the PB customer or transaction profitability information for the PB customer or new subscription for the PB customer. 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 2325.

According to the implementation method of the present invention, the profitability calculation unit 2320 is a profitability such as interest income or loan interest income for borrowing a loan account for savings account or savings account from the subscription account information for the PB customer 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 2320 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 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 2320 for the PB 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 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 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.

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 2325 stores the profitability information provided by the profitability calculation unit 2320 in a D / B provided in the PB customer group profitability calculation server 2010 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 2320 through a communication network.

According to the implementation method of the present invention, the financial system 2040 calculates the ledger information PB customer group profitability in association with the ledger D / B in the financial system 2040 in connection with the PB customer group profitability calculation server 2010 It provides a function for providing to the server 2010, the detailed description of the internal configuration has been described with reference to Figure 20, it will be omitted.

In addition, the ledger information for the ledger D / B of the financial system 2040 has more information than the information shown in the ledger D / B of the financial system 2040 shown in Figure 23, but the PB customer group profitability calculation server ( Only information for calculation is shown.

Figure 24 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. 24 shows the ledger information from the ledger D / B of the financial system 2040 shown in FIG. 20, and the PB customer group profitability calculation server 2010 shown in FIG. 5 conditions (profitability information for subscription accounts for PB customers, profitability information for subscription accounts for PB customers, profitability information for transactions for PB customers, profitability information for new subscription accounts for PB customers, profitability information for new subscription accounts for PB customers) Regarding the process of checking and storing profitability information on the PB customer group profitability calculation server (D / B) of the profit calculation server (2010), and having ordinary knowledge in the field to which the present invention pertains, the present invention will be described with reference to FIG. Various implementation methods of the system for calculating the profitability of the PB customer group may be inferred, but the present invention is not limited to the drawing 24, but includes all the implementation methods inferred. .

Hereinafter, in FIG. 24, the PB customer group profitability calculation server 2010 shown in FIG. 23 is referred to as "server" for convenience.

Referring to FIG. 24A, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2400a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 2040 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 (2405a).

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. Only process 2410a.

Thereafter, the server calculates the profitability of the subscription account corresponding to the PB customer group (2415a), and stores and registers the calculated profitability information in the server D / B (2420a).

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. 24B, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2400b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 2040 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 (2405b).

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. Only process 2410b.

Thereafter, the server calculates the profitability of the subscription fee account corresponding to the PB customer group (2415b), and stores and registers the calculated profitability information in the server D / B (2420b).

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. 24c, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide the ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2400c).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, transaction history information associated with the customer information, and employee information in charge of the transaction details.

In addition, the customer information preferably 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 2040 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 (2405c).

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. Only process 2410c.

Thereafter, the server calculates the profitability of the transaction history corresponding to the PB customer group (2415c), and stores and registers the calculated profitability information in the server D / B (2420c).

Here, the transaction profitability information for the PB customer is preferably made including a handling fee for the passbook deposit.

Referring to FIG. 24D, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2400d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 2040 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 (2405d).

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 2410d.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the PB customer group (2415d), and stores and registers the calculated profitability information in the server D / B (2420d).

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. 24E, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2400e).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 2040 as described above, the server extracts the new subscription fee account information from the ledger information, and extracts the information on the PB customer group from the new subscription fee account information (2405e).

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 2410e.

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the PB customer group (2415e), and stores and registers the calculated profitability information in the server D / B (2420e).

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 25 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 25 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) 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 will be able to infer various implementation methods of a system for calculating profitability of a special customer group with reference to this drawing 25, but the present invention is not limited to this drawing 25, 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 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 (2015) for calculating the profitability of joining a new account product or a new non-account product, at least through face-to-face or non-face-to-face financial transaction channels provided at branches (or branches) of financial institutions And a financial system 2040 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 special customer group profitability calculation server 2015 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, and the customer information. Extracted from the financial system 2040, 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 special 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 special customer in the method of confirming the profitability of the special customer group with reference to this figure 25 (eg, A variety of information can be added to calculate the profitability of special customer groups such as employee wages. 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 special customer group profitability calculation server 2015 may include a D / B for storing profitability calculation results of a special customer group for each channel or employee, or a D / B for storing profitability calculation results for a 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. 25, the special customer group profitability calculation server 2015 receives an information receiver 2505 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 2040. An information extracting unit 2510 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 2515 for confirming profitability information among information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 2520 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 2525 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 2040. The ledger D / B includes customer information, account information, non-account information, employee information, necessary for calculating profitability for a special customer group. It is preferable that the transaction history information is included.

According to the exemplary embodiment of the present invention, the information receiving unit 2505 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. Receives ledger information from the ledger D / B in connection with the external system of the financial system 2040 is provided to the information extraction unit 2510.

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 2015 requests from the financial system 2040 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 2510 may include the customer information received from the information receiving unit 2505, 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 2515 or the customer information received from the information receiving unit 2505, for a predetermined period associated with the customer information Transaction information, and extracts information about a special customer from the employee information in charge of the transaction history and provide it to the information confirmation unit 2515 or the customer information received from the information receiving unit 2505 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 2515.

According to the exemplary embodiment of the present invention, the information checking unit 2515 may include the customer information extracted from the information extracting unit 2510, 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 from the information extraction unit 2510, 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 extracting unit 2510, 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 (2525) and the margins of the calculation unit (2520).

The profitability calculation unit 2520 is a subscription account profitability information for the special customer provided by the information verification unit 2515 or a subscription ratio account 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 section 2525.

According to the implementation method of the present invention, the profitability calculation unit 2520 is a profitability, such as interest income or loan interest income for the loan account loaned to the savings account or savings account from the subscription account information for the special customer and receive interest 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 2520 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 the securities. It is desirable to calculate profitability information such as Korean handling fees 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, it is preferable that the profitability calculation unit 2520 for the special 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 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 2525 stores profitability information provided by the profitability calculation unit 2520 in a D / B provided in the special customer group profitability calculation server 2015 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 2520 through a communication network.

According to the implementation method of the present invention, the financial system 2040 calculates the profit of the special customer group profitability in connection with the ledger D / B in the financial system 2040 in connection with the special customer group profitability calculation server 2015 It provides a function for providing to the server 2015, the detailed description of the internal configuration has been described with reference to Figure 20, it will be omitted.

In addition, the ledger information for the ledger D / B of the financial system 2040 has more information than the information shown in the ledger D / B of the financial system 2040 shown in Figure 25, but for calculating the profitability of the special customer group Only information is shown.

Figure 26 shows the profitability information of the subscription account for the special customer, profitability information of the subscription fee for the special customer, transaction 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, FIG. 26 shows the ledger information from the ledger D / B of the financial system 2040 shown in FIG. 20, and the special customer group profitability calculation server 2015 shown in FIG. 5 conditions (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 non-account profitability information for special customers) Regarding the process of confirming profitability information on the storage and registration in the D / B of the special customer group profitability calculation server 2015, the person having ordinary knowledge in the field to which the present invention belongs, will be referred to this drawing 26. 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 26, It includes all implementation methods.

Hereinafter, in FIG. 26, the special customer group profitability calculation server 2015 shown in FIG. 25 is referred to as "server" for convenience.

Referring to FIG. 26a, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2600a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 2040 as described above, the server extracts the subscription account information from the ledger information and extracts the information on the special customer group from the subscription account information (2605a).

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 2610a.

Thereafter, the server calculates the profitability of the subscription account corresponding to the special customer group (2615a), and stores and registers the calculated profitability information in the server D / B (2620a).

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. 26b, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2600b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 2040 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 (2605b).

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 2610b.

Thereafter, the server calculates the profitability of the subscription fee account corresponding to the special customer group (2615b), and stores and registers the calculated profitability information in the server D / B (2620b).

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. 26c, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2600c).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, transaction history information associated with the customer information, and employee information in charge of the transaction details.

In addition, the customer information preferably 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 2040 as described above, the server extracts the transaction history information from the ledger information and extracts the information on the special customer group from the transaction history information (2605c).

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 2610c.

Thereafter, the server calculates the profitability of the transaction history corresponding to the special customer group (2615c), and stores and registers the calculated profitability information in the server D / B (2620c).

Here, the transaction profitability information for the special customer is preferably made including a handling fee for the passbook deposit.

Referring to FIG. 26D, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2600d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 2040 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 (2605d).

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 2610d.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the special customer group (2615d), and stores and registers the calculated profitability information in the server D / B (2620d).

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. 26E, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide the ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2600e).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 2040 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 (2605e).

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 2610e.

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the special customer group (2615e), and stores and registers the calculated profitability information in the server D / B (2620e).

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 27 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 27 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) 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 27, but the present invention is not limited to this drawing 27, and 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 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 2020 for calculating the profitability of joining a new account product or a new non-account product, at least one of the face-to-face and non-face-to-face financial transaction channels provided at a branch (or branch) of a financial institution. And a financial system 2040 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 corporate customer group profitability calculation server 2020 is linked to the customer information, one or more subscription account information or one or more subscription ratio account 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 2040, the transaction information, the employee information in charge of the transaction history, the new subscription account information or the new subscription cost information from the financial system 2040, and the profitability of the corporate 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 pertains, the cost for the employee in charge of the enterprise customer (e.g., Various 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 2020 may include a D / B for storing profitability calculation results of the customer 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. 27, the corporate customer group profitability calculation server 2020 receives an information receiver 2705 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 2040. An information extracting unit 2710 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 2715 for confirming profitability information among the information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 2720 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 2725 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 2040. The ledger D / B includes customer information, account information, non-account information, employee information, necessary for calculating profitability for the corporate customer group. It is preferable that the transaction history information is included.

According to the exemplary embodiment of the present invention, the information receiving unit 2705 includes 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 in association with the external system of the financial system 2040 is provided to the information extraction unit 2710.

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 2020 to the financial system 2040 in order 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 2710 may include the customer information received from the information receiving unit 2705, 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 2715, or the customer information received by the information receiving unit 2705, 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 2715, or the customer information and the customer information received from the information receiving unit 2705 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 information to the identification unit (2715).

According to the exemplary embodiment of the present invention, the information checking unit 2715 may include the customer information extracted from the information extracting unit 2710, 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 company account information from the subscription account profitability information or non-account profitability information, or the customer information extracted from the information extraction unit 2710, 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 2710, 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 (2725) and the margins of the calculation unit 2720.

The profitability calculator 2720 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 2715. 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 2725.

According to the implementation method of the present invention, the profitability calculation unit 2720 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 corporate customer It is desirable to calculate the 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 2720 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 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 2720 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 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 2725 stores the profitability information provided by the profitability calculation unit 2720 in a D / B provided in the corporate customer group profitability calculation server 2020 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 2720 through a communication network.

According to the implementation method of the present invention, the financial system 2040 calculates the corporate customer group profitability of the ledger information in connection with the ledger D / B in the financial system 2040 in connection with the corporate customer group profitability calculation server 2020 It provides a function for providing to the server 2020, the detailed description of the internal configuration has been described with reference to Figure 20, it will be omitted.

In addition, the ledger information for the ledger D / B of the financial system 2040 has more information than the information shown in the ledger D / B of the financial system 2040 shown in Figure 27, but for calculating the corporate customer group profitability Only information is shown.

Figure 28 shows the subscription account profitability information for the corporate customer, profitability information for the corporate customer subscription account, the transaction 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.

More specifically, FIG. 28 shows the ledger information from the ledger D / B of the financial system 2040 shown in FIG. 20 and the corporate customer group profitability calculation server 2020 shown in FIG. Five conditions (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 non-account profitability information for corporate customers) Regarding the process of confirming the profitability information on the storage and registration in the D / B of the corporate customer group profitability calculation server 2020, the person having ordinary knowledge in the field to which the present invention belongs, with reference to this figure 28 Various implementation methods of the system for calculating the profitability of the corporate customer group may be inferred, but the present invention is not limited to this figure 28. It includes all implementation methods.

Hereinafter, in FIG. 28, the corporate customer group profitability calculation server 2020 shown in FIG. 27 is referred to as a “server” for convenience.

Referring to FIG. 28A, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2800a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 2040 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 (2805a).

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 2810a.

Thereafter, the server calculates the profitability of the subscription account corresponding to the corporate customer group (2815a), and stores and registers the calculated profitability information in the server D / B (2820a).

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. 28B, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2800b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 2040 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 (2805b).

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 2810b.

Thereafter, the server calculates the profitability of the subscription fee account corresponding to the corporate customer group (2815b), and stores and registers the calculated profitability information in the server D / B (2820b).

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. 28c, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2800c).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, transaction history information associated with the customer information, and employee information in charge of the transaction details.

In addition, the customer information preferably 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 2040 as described above, the server extracts the transaction history information from the ledger information and extracts the information on the corporate customer group from the transaction history information (2805c).

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 (2810c).

Thereafter, the server calculates the profitability of the transaction history corresponding to the corporate customer group (2815c), and stores and registers the calculated profitability information in the server D / B (2820c).

Here, the transaction profitability information for the corporate customer is preferably made including a handling fee for the passbook deposit.

Referring to FIG. 28D, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2800d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 2040 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 (2805d).

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 (2810d).

Thereafter, the server calculates the profitability of the new subscription account corresponding to the corporate customer group (2815d), and stores and registers the calculated profitability information in the server D / B (2820d).

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. 28E, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (2800e).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 2040, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 2040 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 (2805e).

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 (2810e).

Thereafter, the server calculates the profitability of the new subscription fee account corresponding to the corporate customer group (2815e), and stores and registers the calculated profitability information in the server D / B (2820e).

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 29 shows the system configuration for calculating the profitability of the employee of the general financial window according to the embodiment of the present invention.

More specifically, Figure 29 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 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 the 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 this drawing 29. It will be appreciated that the present invention is not limited to this figure 29 and includes all implementation methods inferred from the 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 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 server 2025 or a branch (or branch) of a financial institution to calculate profitability by credit management information of a general financial group or profitability calculation by a general financial group, or profitability calculation by receiving procurement information of a comprehensive financial group. And a financial system 2040 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 2025 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 2040 to check 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. For those skilled in the art, referring to this drawing 29, 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 the employees belonging to the comprehensive financial group. Although various information can be added, in FIG. 29, 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 2025 includes a D / B for storing the results of profitability calculation of the general financial group for each employee or a separate D / B for storing the results of profitability calculation of the general financial group for each employee. Interlocked with D / B server and communication network.

Referring to FIG. 29, the comprehensive financial group profitability calculation server 2025 receives an information receiver 2905 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 2040. An information extracting unit 2910 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 2915 for confirming profitability information among the information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 2920 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 2825 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 2040. The ledger D / B includes employee information, investment information, credit information, and reception information necessary for calculating profitability for the comprehensive financial group. It is preferable to make.

According to the embodiment of the present invention, the information receiving unit 2905 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. The information extracting unit receives the ledger information from the ledger D / B in association with the external system of the financial system 2040, including investment information, credit management information, or receiving procurement information. Provided at 2910.

Here, the ledger information is the employee information requested from the comprehensive financial group profitability calculation server 2025 to the financial system 2040 in order to calculate profitability for the comprehensive financial group, investment information associated with the employee information, credit management information, reception and sourcing. It is preferable to include information.

According to the exemplary embodiment of the present invention, the information extractor 2910 may include the employee information received from the information receiver 2905, 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 2915 or 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 2915, or extract information on the comprehensive financial group from the reception information associated with the employee information and the employee information. It is provided to the identification part 2915.

According to the exemplary embodiment of the present invention, the information confirmation unit 2915 is the employee information provided by the information extraction unit 2910, 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 received procurement information associated with the employee information identify profitability information of the comprehensive financial group and provide the result to the profitability calculation unit 2920.

The profitability calculation unit 2920 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 verification unit 2915. 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 provides a profitability information for the calculated comprehensive financial group to the information storage unit 2925.

According to the method of the present invention, the profitability calculation unit 2920 is an investment finance or international finance or Asset-Backed Securities (ABS) or SOC (Social Overhead Capital) for the comprehensive financial group provided by the information confirmation unit 2915 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 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 2920 calculates the profitability by linking with the profitability information of 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 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 2920 calculates the profitability in connection with the profitability information for the comprehensive 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 comprehensive 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 method of the present invention, the information storage unit 2925 stores the profitability information provided by the profitability calculation unit 2920 in the D / B provided in the comprehensive financial group profitability calculation server 2025, 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 2920 through a communication network.

According to the implementation method of the present invention, the financial system 2040 calculates the general financial group profitability of the ledger information in association with the general ledger D / B in the financial system 2040 in connection with the comprehensive financial group profitability calculation server 2025 It provides a function for providing to the server 2025, the detailed description of the internal configuration has been described with reference to Figure 20, it will be omitted.

In addition, the ledger information for the ledger D / B of the financial system 2040 has more information than the information shown in the ledger D / B of the financial system 2040 shown in Figure 29, but for calculating the profitability of the comprehensive financial group Only information is shown.

30 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 of the comprehensive financial group according to an embodiment of the present invention; The operating flow of the system is shown.

In more detail, FIG. 30 shows the ledger information from the ledger D / B of the financial system 2040 shown in FIG. 20 and uses the comprehensive financial group profitability calculation server 2025 shown in FIG. Check the profitability information on three conditions (investment profitability information for the comprehensive financial group, credit profitability information for the comprehensive financial group, and receiving profitability information for the comprehensive financial group) to determine the D / Regarding the process of storing and registering in B, those of ordinary skill in the art to which the present invention pertains can refer to this drawing 30 to infer various implementation methods of a system for calculating profitability of a comprehensive financial group. The present invention is not limited to this figure 30, and includes all implementation methods inferred from the above.

Hereinafter, in FIG. 30, the comprehensive financial group profitability calculation server 2025 shown in FIG. 29 is referred to as "server" for convenience.

Referring to FIG. 30A, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (3000a).

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 of the financial system 2040, registered employee information, investment financial information associated with the employee information, international financial information, ABS (Asset-Backed Securities) information, SOC information, It is preferable to include at least one investment information invested in 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 2025 extracts information of the comprehensive financial group from the ledger information provided from the financial system 2040 (3005a).

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 3010a.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the comprehensive financial group (3015a), and stores and registers the calculated profitability information in the server D / B (3020a).

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. 30B, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (3000b).

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 of the financial system 2040, 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 2025 extracts information of the comprehensive financial group from the ledger information provided from the financial system 2040 (3005b).

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 3010b.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the comprehensive financial group (3015a), and stores and registers the calculated profitability information in the server D / B (3020b).

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. 30C, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (3000c).

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 of the financial system 2040, 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 2025 extracts information of the comprehensive financial group from the ledger information provided from the financial system 2040 (3005c).

If information about 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 another drawing of the present invention. Process only 3010c.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the comprehensive financial group (3015c), and stores and registers the calculated profitability information in the server D / B (3020c).

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 31 shows the system configuration for calculating the profitability of the funds / international teller staff in accordance with the method of the present invention.

In more detail, Fig. 31 shows employee information, foreign currency money management information or foreign currency money management information linked to the employee information, business information on foreign exchange business, derivatives management information, and stock management information to calculate 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 the profitability by employee for the fund / international group As shown in the drawings, one of ordinary skill in the art to which the present invention pertains will be able to infer various implementation methods of a system for calculating the profitability of funds / international group with reference to this drawing 31. It is not limited to Fig. 31 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 2030 and the branch (or branch) of the financial institution. And a financial system 2040 for providing a service.

The fund / international group profitability calculation server 2030 includes employee information, won money management information or foreign currency money 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 2040, 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. 31, various information for calculating the profitability of the fund / international group, such as the expenses (e.g., employee wages) for employees belonging to the fund / international group, can be added to the method of confirming the profitability of the fund / international group. However, in FIG. 31, 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 2030 includes a D / B for storing profit / calculation results of staff / international groups for each employee or a D / B for saving profitability calculation results of staff / international groups for each staff member It is linked with a separate D / B server and communication network.

Referring to FIG. 31, the fund / international group profitability calculation server 2030 may include an information receiver 3105 (or an information receiver) for receiving information from the ledger D / B in association with an external system of the financial system 2040. ), An information extracting unit 3110 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 3115 for confirming profitability information among information extracted from the ledger D / B. (Or information confirmation means), profitability calculation unit 3120 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and information storage unit 3125 (or storing the profitability calculation information in the D / B) (or Information storage means).

Here, the ledger D / B is a D / B provided in the financial system 2040, and the ledger D / B includes employee information necessary for calculating profitability for funds / international group, won money management information or foreign currency money management information, It is preferable to include foreign exchange business information, derivatives management information, stock management information, bond management information, marketing information.

According to the implementation method of the present invention, the information receiving unit 3105 is employee information, won money management information or foreign currency money management information associated with the employee information, 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 profits from marketing is linked to the external system of the financial system 2040. The ledger information is received from the information extraction unit 3110.

Here, the ledger information is employee information requested from the fund / international group profitability calculation server 2030 to the financial system 2040 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 3110 may be configured for the funds / international group in the employee information received from the information receiving unit 3105, 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 3115, 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 3115. 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 3115, 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 3115, 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 3115, or extract information about funds / international groups from the employee information and marketing information associated with the employee information to check the information. Provided to section 3115.

According to the exemplary embodiment of the present invention, the information checking unit 3115 may be configured to include the funds / international group in the employee information provided by the information extracting unit 3110, the won money management information associated with the employee information, or the foreign currency money management information. Profitability information, or the employee information provided by the information extraction unit 3110, the profitability 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 3110 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 3110, the stock management associated with the employee information Profitability information of funds / international group from information, or the employee information provided by the information extraction unit 3110, the bond management information associated with the employee information , Or it will be available in the information extracting unit 3110 by the employee information, and determine the profitability of the money information / International Marketing Group in the information to calculate the margin portion 3120 associated with the information provided by the employee.

The profitability calculation unit 3120 may determine the profit or loss information of the won or foreign currency funds, the money / international group, the profitability information of which is confirmed by the won / money group management information or the foreign currency money management information for the money / international group provided by the information checking unit 3115. 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 Management 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 (3125).

According to the implementation method of the present invention, the profitability calculator 3120 is a profitable won or foreign currency fund that confirmed the profitability information in the won or foreign currency fund management information for the funds / international group provided by the information checking unit 3115 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 3120 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 funds / international group provided by the information checking unit 3115. 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 3120 may include profitability information including at least one profitability information including at least one derivative product profitability information obtained from the derivatives management information for the fund / international group provided by the information checking unit 3115 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 calculator 3120 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 checker 3115. 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 3120 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 verification unit 3115. 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 3120 may calculate profitability information including at least one marketing profitability information having confirmed profitability information from the marketing information for the funds / international group provided by the information checking unit 3115 by date. 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 3125 stores profitability information provided by the profitability calculation unit 3120 in a D / B provided in the fund / international group profitability calculation server 2030 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 3120 through a communication network.

According to the implementation method of the present invention, the financial system 2040 is linked to the fund / international group profitability calculation server 2030 in connection with the ledger D / B inside the financial system 2040 fund / international group It provides a function for providing to the profitability calculation server 2030, the detailed description of the internal configuration has been described with reference to Figure 20, it will be omitted.

In addition, the ledger information for the ledger D / B of the financial system 2040 has more information in addition to the information shown in the ledger D / B of the financial system 2040 shown in Figure 31, the fund / international group profitability calculation Only the information for this is shown.

Figure 32 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. 32 shows the ledger information from the ledger D / B of the financial system 2040 shown in FIG. 20 and the fund / international group through the fund / international group profitability calculation server 2030 shown in FIG. Profit / International Group Profitability Calculation by checking profitability information on the above six conditions (Wonder or Foreign Currency Profitability Information, Foreign Exchange Business Profitability Information, Derivatives Profitability Information, Stock Profitability Information, Bond Profitability Information, Marketing Profitability Information) Regarding the process of storing and registering in D / B of 2030, those skilled in the art to which the present invention pertains, various implementations of a system for calculating profit / international group profitability with reference to FIG. The method may be inferred, but the present invention is not limited to this figure 32, but includes all the inferred implementation methods.

Hereinafter, in FIG. 32, the fund / international group profitability calculation server 2030 shown in FIG. 31 is referred to as “server” for convenience.

Referring to FIG. 32A, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (3200a).

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 at least one or more of the employee information stored in the ledger D / B of the financial system 2040, registered in won or foreign currency fund management information associated with the employee information.

The fund / international group profitability calculation server 2030 extracts information of the fund / international group from the ledger information provided from the financial system 2040 (3205a).

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 parts for international groups (3210a).

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 (3215a), and stores and registers the calculated profitability information on the server D / B ( 3220a).

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. 32B, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide the ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (3200b).

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 of the financial system 2040, registered employee information, business information for the foreign exchange business associated with the employee information.

The fund / international group profitability calculation server 2030 extracts information of the fund / international group from the ledger information provided from the financial system 2040 (3205b).

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 part of the international group is processed (3210b).

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 (3215b), and stores and registers the calculated profitability information in the server D / B (3220b).

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. 32C, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide the ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (3200c).

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 of the financial system 2040, derivative product management information for derivative product management associated with employee information.

The fund / international group profitability calculation server 2030 extracts information of the fund / international group from the ledger information provided from the financial system 2040 (3205c).

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 (3210c) is processed.

Thereafter, the server calculates the profitability of the derivative product corresponding to the fund / international group in the derivative product management information (3215c), and stores and registers the calculated profitability information in the server D / B (3220c).

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. 32D, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (3200d).

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 of the financial system 2040, the stock management information for the stock management associated with the employee information.

The fund / international group profitability calculation server 2030 extracts information of the fund / international group from the ledger information provided from the financial system 2040 (3205d).

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 (3210d).

Thereafter, the server calculates the profitability of the derivative product corresponding to the fund / international group in the stock management information (3215d), and stores and registers the calculated profitability information in the server D / B (3220d).

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. 32E, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (3200e).

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 of the financial system 2040, bond management information for bond management associated with employee information.

The fund / international group profitability calculation server 2030 extracts information of the fund / international group from the ledger information provided from the financial system 2040 (3205e).

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 (3210e).

Thereafter, the server calculates the profitability of the derivative product corresponding to the fund / international group in the bond management information (3215e), and stores and registers the calculated profitability information in the server D / B (3220e).

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. 32F, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (3200f).

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 of the financial system 2040, marketing performance information associated with the employee information.

The fund / international group profitability calculation server 2030 extracts information of the fund / international group from the ledger information provided from the financial system 2040 (3205f).

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 (3210f).

Thereafter, the server calculates the marketing profitability corresponding to the fund / international group in the marketing performance information (3215f), and stores and registers the calculated profitability information in the server D / B (3220f).

Here, the marketing profitability information for the fund / international group is a new product through marketing activities

It is desirable to include potential merchandise revenue through sales.

Figure 33 shows the system configuration for calculating the profitability of the trust clerk according to the method of the present invention.

More specifically, FIG. 33 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 you have 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 33, 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, 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 2035 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 2040.

The trust group profitability calculation server 2035 extracts employee information, trust information associated with the employee information, or trust task information, or fund office management information from the financial system 2040, and trust 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, it is possible to add a variety of information for calculating the trust group profitability, such as employee wages, etc., but in FIG. 33, the factor of the required cost of the employee is omitted since it is not used to calculate the 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 2035 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. 33, the trust group profit calculation server 2035 may include an information receiver 3305 (or an information receiver) for receiving information from the ledger D / B in association with an external system of the financial system 2040. An information extracting unit 3310 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 3315 (or checking profitability information among information extracted from the ledger D / B) Information confirmation means), a profitability calculation unit 3320 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 3325 (or information storage) for storing the profitability calculation information in the D / B Means).

Here, the ledger D / B is a D / B provided in the financial system 2040. The ledger D / B includes employee information, trust business information, and fund office management information necessary for calculating profitability for the trust group. It is preferable.

According to an embodiment of the present invention, the information receiving unit 3305 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 in association with an external system and provided to the information extraction unit 3310.

Here, the ledger information is the employee information requested from the trust group profitability calculation server 2035 to the financial system 2040 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 3310 extracts information on the trust group from the employee information received from the information receiving unit 3305 and the trust information associated with the employee information, and the information checking unit ( 3315) 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 3315 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 checking unit 3315.

According to the exemplary embodiment of the present invention, the information checking unit 3315 may include the employee information provided by the information extracting unit 3310, the profitability information of the trust group in the trust information associated with the employee information, or the information extracting unit ( 3310) 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 3310, 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 3320.

The profitability calculation unit 3320 is a trust profitability information confirmed in the trust information for the trust group provided by the information verification unit 3315, 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 3325 with the profitability information for the calculated trust group.

According to the exemplary embodiment of the present invention, the profitability calculator 3320 may calculate profitability information by date from the trust information of the trust group provided by the information checker 3315.

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 calculator 3320 may calculate profitability information by date from the trust service information for the trust group provided by the information checker 3315.

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 3320 may calculate profitability information by date from the fund office management information for the trust group provided by the information verification unit 3315.

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 3325 stores the profitability information provided by the profitability calculation unit 3320 in a D / B provided in the trust group profit calculation server 2035 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 (3320).

According to the implementation method of the present invention, the financial system 2040 is linked to the trust group profit calculation server 2035, the ledger information in conjunction with the ledger D / B in the financial system 2040 trust group profit calculation server ( 2035) to provide a function, and since the detailed description of the internal configuration has been described with reference to FIG.

In addition, the ledger information for the ledger D / B of the financial system 2040 has more information than the information shown in the ledger D / B of the financial system 2040 shown in Figure 33, information for calculating the trust group profitability Shows the bay.

34 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.

More specifically, Figure 34 shows the ledger information from the ledger D / B of the financial system 2040 shown in Figure 20, and the three kinds of trust groups through the trust group profitability calculation server 2035 shown in Figure 33. The present invention relates to a process of confirming profitability information on conditions (trust profitability information, trust profitability information, fund profitability information), and storing and registering in the D / B of the trust group profitability calculation server 2035. Those skilled in the art will be able to infer various implementation methods of the system for calculating profitability of the trust group with reference to this drawing 34, but the present invention is not limited to this drawing 34, Include.

Hereinafter, in FIG. 34, the trust group profit calculation server 2035 shown in FIG. 33 is referred to as a "server" for convenience.

Referring to FIG. 34A, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (3400a).

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 in the ledger D / B of the financial system 2040, registered with 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.

The trust group profitability calculation server 2035 extracts the trust group information from the ledger information provided from the financial system 2040 (3405a).

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. 34A, only a portion of the trust group is processed. (3410a).

Thereafter, the server calculates trust profitability corresponding to the trust group from the trust information (3415a), and stores and registers the calculated profitability information in the server D / B (3420a).

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. 34B, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (3400b).

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 of the financial system 2040, registered employee information, 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.

The trust group profit calculation server 2035 extracts the trust group information from the ledger information provided from the financial system 2040 (3405b).

If information on groups other than the trust group is extracted 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. 34B, only the portion of the trust group is processed. (3410b).

Thereafter, the server calculates trust profitability corresponding to the trust group from the trust information (3415b), and stores and registers the calculated profitability information in the server D / B (3420b).

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. 34C, the server accesses the financial system 2040 through a predetermined communication network, requests the server to provide the ledger information of the financial system 2040 ledger D / B for the profitability calculation. In response, the financial system 2040 provides the ledger information of the ledger D / B to the server (3400c).

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 of the financial system 2040, 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.

The trust group profitability calculation server 2035 extracts the trust group information from the ledger information provided from the financial system 2040 (3405c).

When extracting information about a group other than a trust group from the fund office management 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. 34C, only the portion of the trust group is processed. Process 3410c.

Thereafter, the server calculates trust profitability corresponding to the trust group from the trust information (3415c), and stores and registers the calculated profitability information in the server D / B (3420c).

Here, the fund profitability information for the trust group is preferably made to include profitability information according to the commission commission.

35A and 35B 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. 35A illustrates at least one profit or loss forecast by substituting a predetermined model profit and loss simulation model by using at least one or more profitability information of profitability information calculated by at least one profitability calculation server as an income statement (P / L). The configuration of the system for predicting the profit and loss of the target (eg, organization / branch, financial products, customer group (or specific customer), etc.), Figure 35b 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 35a and 35b 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. 35A and 35B. It is not limited.

Referring to FIG. 35A, a system for predicting at least one profit or loss per profit or loss target by using at least one profitability information as an income statement (P / L) includes the personal customer group profit calculation server D / B 3530, PB customer group profit calculation server D / B (3535), special customer group profit calculation server D / B (3540), corporate customer group profit calculation server D / B (3545), comprehensive financial group profit calculation server D / B (3550) ), Fund / international group profitability calculation server D / B (3555), trust group profitability calculation server D / B (3560), sales strategy information, market environment information, asset / debt balance information and budget information of the financial institution; And a financial system 3590 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 from the income statement ( It is characterized in that it comprises a profit and loss prediction server 100 having a model profit and loss simulation model for predicting the profit or loss by at least one or more profit and loss target using P / L).

Here, a preferred embodiment of the model profit and loss simulation model will be described with reference to Figure 35b.

According to an embodiment of the present invention, the profit and loss prediction server 100 predicting the profit / loss for each organization / branch includes the individual customer group profit calculation server D / B 3530 and the PB customer group profit calculation server D / B 3535. ), Special customer group profitability calculation server D / B (3540), corporate customer group profitability calculation server D / B (3545), comprehensive financial group profitability calculation server D / B (3550), funds / international group profitability calculation server D / An information receiving unit 3500 (or profitability information receiving means) for receiving at least one or more profitability information corresponding to a predetermined organization / branch from the trust group B 3555 and the trust group profitability calculation server D / B 3560; An information extraction unit 3505 (or information extraction means) for extracting profit 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 3500 (or the information receiving unit) is connected to the financial system 3590 from a predetermined DBMS (or predetermined terminal) sales strategy information, market environment information, assets / liabilities of the financial institution. And balance sheet information, 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 3505. 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 3500 in the simulation model ( 3510 (or simulation means) and an information generating unit 352 for generating profit and loss prediction information of the organization / branch corresponding to the model profit and loss simulation result 0) (or information generation means) and an information storage unit 3525 (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 / loss prediction server 100 for predicting the profit / loss for each organization / branch is determined through trend analysis on profit and loss prediction information for a certain period of time generated by the information generator 3520. And an information analysis unit 3515 (or information analysis means) for calculating achievement goal information for a predetermined period of time for the organization / branch, and the information storage unit 3525 stores 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 3510 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 / liabilities 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 3510 includes a model profit and loss simulation model that operates based on the balance sheet information and the income statement information of the financial institution, and includes sales strategy information, market environment information, asset / debt balance information, and the like. 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 3510 includes a model profit and loss simulation model that operates based on the balance sheet information and the income statement information of the financial institution, and includes sales 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 and profit of the organization / branch using the interest rate difference or liquidity difference of Asset Liability Management (ALM).

In addition, the model profit and loss simulation unit 3510 includes a model profit and loss simulation model that operates based on the balance sheet information and the income statement information of the financial institution, and includes sales 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 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 3510 is the individual customer group profitability calculation server D / B (3530), PB customer group profitability calculation server D / B (3535), special customer group profitability calculation server D / B (3540), Corporate Customer Group Profitability Calculation Server D / B (3545), Comprehensive Financial Group Profitability Calculation Server D / B (3550), Fund / International Group Profitability Calculation Server D / B (3555), Trust Group Profitability Extracting the income statement information in real time from at least one or more profitability information provided in real time from the calculation server D / B 3560, 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 organization / branch 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 financial product includes the individual customer group profit calculation server D / B 3530 and the PB customer group profit calculation server D / B 3535. ), Special customer group profitability calculation server D / B (3540), corporate customer group profitability calculation server D / B (3545), comprehensive financial group profitability calculation server D / B (3550), funds / international group profitability calculation server D / B (3555), the information receiving unit 3500 for receiving at least one or more profitability information corresponding to a predetermined financial product from the trust group profitability calculation server D / B (3560), and the financial product of the at least one or more profitability information received And an information extracting unit 3505 for extracting profit information corresponding to and extracting revenue generation cost information corresponding to a financial product from the profitability information. The information receiving unit 3500 further includes: gold Business strategy information, market environment information, asset / liabilities 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 3590 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 3505 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 3510 which predicts the profit and loss of the financial product by substituting sales strategy information, market environment information, asset / liabilities balance information, and budget information of the financial institution received through the information receiving unit 3500; An information generator 3520 for generating profit and loss prediction information of the financial instrument corresponding to the model profit and loss simulation result, and the generated financial instrument; And an information storage unit 3525 configured to store the profit and loss prediction information in a predetermined storage medium in association with the financial product information.

In addition, the profit and loss prediction server 100 for predicting the profit or loss for each financial product, the financial information through a trend analysis (Trend Analysis) on the profit and loss prediction information for a predetermined period generated by the information generation unit 3520 And an information analysis unit 3515 for calculating achievement goal information for a certain period of time for the product, wherein the information storage unit 3525 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 3510 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 / liabilities balance information and budget information of the financial institution. It is preferable to predict the gain or loss of the financial instrument by estimating the amount of funds for the future cash flows of the repayment plan by substituting at least one of the information.

In addition, the model profit and loss simulation unit 3510 includes a model profit and loss simulation model that operates based on the balance sheet information and the income statement information of the financial institution, and includes sales strategy information, market environment information, asset / debt balance information, and the like. 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) and maturity.

In addition, the model profit and loss simulation unit 3510 includes a model profit and loss simulation model that operates based on the balance sheet information and the income statement information of the financial institution, and includes sales strategy information, market environment information, asset / debt balance information, and the like. 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 3510 includes a model profit and loss simulation model that operates based on the balance sheet information and the income statement information of the financial institution, and includes sales strategy information, market environment information, asset / debt balance information, and the like. It is preferable to substitute the at least one information of the budget information to estimate the expenses of the financial product using a predetermined activity reference cost (ABC).

According to the exemplary embodiment of the present invention, the model profit and loss simulation unit 3510 may calculate the personal customer group profitability calculation server D / B 3530, the PB customer group profitability calculation server D / B 3535, and the special customer group profitability calculation. Server D / B (3540), Corporate Customer Group Profitability Calculation Server D / B (3545), Comprehensive Financial Group Profitability Calculation Server D / B (3550), Fund / International Group Profitability Calculation Server D / B (3555), Trust Group Extracting the income statement information from at least one profitability information provided in real time from the profit calculation server D / B 3560 in real time, 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 And assigning at least one or more of the sales 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 simulation function for real-time simulation of predicting the profit or loss of the financial product.

According to another 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 3530 and the PB customer group profit calculation. Server D / B (3535), Special Customer Group Profitability Calculation Server D / B (3540), Corporate Customer Group Profitability Calculation Server D / B (3545), Comprehensive Financial Group Profitability Calculation Server D / B (3550), Fund / International An information receiver 3500 for receiving at least one profitability information corresponding to a predetermined customer group (or a specific customer) from the group profitability calculation server D / B 3555 and the trust group profitability calculation server D / B 3560; An information extracting unit extracts revenue information corresponding to a customer group (or a specific customer) from the received at least one profitability information, and extracts revenue generation cost information corresponding to the customer group (or a specific customer) from the profitability information. With 3505 In addition, the information receiving unit 3500 is connected to the financial system 3590 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) includes balance sheet information including asset information, debt information and capital information of the financial institution, and the information extraction unit 3505. 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 3500 into the model profit and loss simulation model. A model profit and loss simulation unit 3510 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 3520 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 3525 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), trend analysis of the profit and loss prediction information for the past period generated by the information generation unit 3520 (Trend Analysis) It is characterized in that it comprises an information analysis unit 3515 for calculating the achievement target information for a certain period of time for the customer group (or a specific customer), the information storage unit 3525 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 3510 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 / liabilities 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 3510 includes a model profit and loss simulation model that operates based on the balance sheet information and the income statement information of the financial institution, and includes sales strategy information, market environment information, asset / debt balance information, and the like. Incorporating at least one or more information from the budget 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 rate / variable rate, etc.) and maturity.

In addition, the model profit and loss simulation unit 3510 includes a model profit and loss simulation model that operates based on the balance sheet information and the income statement information of the financial institution, and includes sales 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 model profit and loss simulation unit 3510 includes a model profit and loss simulation model that operates based on the balance sheet information and the income statement information of the financial institution, and includes sales strategy information, market environment information, asset / debt balance information, and the like. 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 exemplary embodiment of the present invention, the model profit and loss simulation unit 3510 may calculate the personal customer group profitability calculation server D / B 3530, the PB customer group profitability calculation server D / B 3535, and the special customer group profitability calculation. Server D / B (3540), Corporate Customer Group Profitability Calculation Server D / B (3545), Comprehensive Financial Group Profitability Calculation Server D / B (3550), Fund / International Group Profitability Calculation Server D / B (3555), Trust Group Extracting the income statement information from at least one profitability information provided in real time from the profit calculation server D / B 3560 in real time, 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 And assigning at least one or more of the sales 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 simulation function that performs a simulation in real time to predict the profit or loss of the customer group (or a specific customer).

Referring to FIG. 35B, 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 3530. , Profitability information provided from PB customer group profitability calculation server D / B (3535), profitability information provided from special customer group profitability calculation server D / B (3540), corporate customer group profitability calculation server D / B (3545) Profitability information provided, Profitability information provided by General Financial Group Profitability Calculation Server D / B (3550), Profitability information provided by Funds / International Group Profitability Calculation Server D / B (3555), Trust Group Profitability Calculation Server D / B At least one number of profitability information provided from 3560 includes profits of at least one profitability information corresponding to the 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.

36A 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.

In more detail, FIG. 36A illustrates the profit / loss for each organization / branch by substituting a predetermined model profit and loss simulation model by using at least one or more profitability information of profitability information calculated by at least one profitability calculation server as an income statement (P / L). As a system configuration for predicting the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 36a 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 FIG. 36A, the profit / loss prediction server 100 includes the individual customer group profit calculation server D / B 3530, the PB customer group profit calculation server D / B 3535, and the special customer group profit calculation server D / B. (3540), Corporate Customer Group Profitability Calculation Server D / B (3545), Comprehensive Financial Group Profitability Calculation Server D / B (3550), Fund / International Group Profitability Calculation Server D / B (3555), Trust Group Profitability Calculation Server D Receive at least one or more profitability information corresponding to a predetermined organization / branch from a / B (3560) (a3600), 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 (a3605).

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 (a3610).

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 (a3615), the profit and loss prediction server 100 may generate the financial information. In connection with the system 3590, a balance sheet (B / S) information including asset information, debt information, and capital information of the financial institution is received (a3620).

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 (a3625).

In addition, the profit and loss prediction server 100 may link the financial system 3590 with 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 (a3630).

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 (a3635). 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 (a3640) 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 (a3645).

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 (a3650), and calculates the achievement goal information. Stores a predetermined storage medium in association with the organization / branch information (a3655).

FIG. 36b illustrates 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.

In more detail, in FIG. 36B, at least one profitability information calculated from at least one profitability calculation server is used as a profit / loss statement (P / L), and is substituted into a predetermined model profit and loss simulation model. As a system configuration for predicting, those skilled in the art to which the present invention belongs, financial information using at least one profitability information as a profit / loss statement (P / L) by referring to and / or modifying the drawing 36b. Various implementation methods for the process of estimating profit and loss per product may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method illustrated in FIG. .

Referring to FIG. 36B, the profit / loss prediction server 100 includes the individual customer group profit calculation server D / B 3530, the PB customer group profit calculation server D / B 3535, and the special customer group profit calculation server D / B. (3540), Corporate Customer Group Profitability Calculation Server D / B (3545), Comprehensive Financial Group Profitability Calculation Server D / B (3550), Fund / International Group Profitability Calculation Server D / B (3555), Trust Group Profitability Calculation Server D Receive at least one or more profitability information corresponding to a predetermined financial product from the / B (3560) (b3600), extract the revenue 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 (b3605).

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 (b3610).

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 (b3615), the profit and loss prediction server 100 may generate the financial information. In connection with the system 3590, a balance sheet (B / S) information including asset information, debt information and capital information of the financial institution is received (b3620).

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 (b3625).

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 3590. (B3630).

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 (b3635). Correspondingly, the profit and loss prediction information for each financial product for predicting the profit and loss of the financial product is generated from the model profit and loss simulation model (b3640), and the generated profit and loss prediction information for the financial product is linked with the corresponding financial product information. Media storage (b3645).

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 product in consideration of interest rate attributes (eg fixed interest rate / floating 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 trends the generated profit and loss prediction information for the predetermined period of time to calculate the achievement goal information for the future period for the financial product (b3650), and calculates the calculated achievement goal information. A predetermined storage medium is stored in association with the financial product information (b3655).

36c 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 exemplary embodiment of the present invention.

In more detail, in FIG. 36C, at least one or more profitability information calculated from at least one profitability calculation server is used as a profit / loss statement (P / L) and inserted into a predetermined model profit and loss simulation model, thereby identifying a customer group (or a specific model). As a system configuration for predicting 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 36c 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 for each customer group (or specific customer) can 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 36c, the individual customer group profitability calculation server D / B (3530), PB customer group profitability calculation server D / B (3535), special customer group profitability calculation server D / B (3540), corporate customer group profitability Predetermined from the calculation server D / B (3545), the comprehensive financial group profit calculation server D / B (3550), the fund / international group profit calculation server D / B (3555), the trust group profit calculation server D / B (3560) Receive at least one or more profitability information corresponding to the customer group (or a specific customer) (c3600), extract revenue information corresponding to the customer group (or a specific customer) from the received at least one or more profitability information, and the profitability information The revenue generation cost information corresponding to the customer group (or the specific customer) is extracted (c3605).

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 (c3610).

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 (c3615), the profit and loss prediction server 100 may generate the financial information. In connection with the system 3590, a balance sheet (B / S) information including asset information, debt information and capital information of the financial institution is received (c3620).

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 (c3625).

In addition, the profit and loss prediction server 100 is linked to the financial system 3590, the 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 (c3630).

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.

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 in the model profit and loss simulation model to perform a profit and loss prediction simulation (c3635). Correspondingly generating 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 (c3640), and generating the customer group (or specific customer) The profit and loss prediction information is stored in a predetermined storage medium in association with the corresponding customer group (or specific customer) information (c3645).

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 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 information of the 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 in the past to calculate achievement target information for the future period for the customer group (or a specific customer) (c3650), and calculates the result. The stored achievement target information is stored in association with the corresponding customer group (or specific customer) information in a predetermined storage medium (c3655).

Figure 37 shows the configuration of the entire system for calculating the target marketing information for each customer (group) and operating the calculation result according to the embodiment of the present invention.

In more detail, Figure 37 divides the profitability calculation unit into eight, calculates the profitability per unit in each of the eight servers, and calculates the results from the eight servers to calculate the profitability for each customer (group) according to the counter staff. A system for operating profitability calculation results through an integrated profitability calculation server 3700, which is a person having ordinary knowledge in the field to which the present invention pertains, refers to this figure 37 and the profitability of each channel / employee. Various implementation methods for operating the calculations and calculation results may be inferred, but the present invention is not limited to this figure 37 and includes all the implementation methods inferred above.

Referring to FIG. 37 according to the embodiment of the present invention, the entire system for calculating profitability for each customer (group) according to the window staff and operating the calculation result is a personal customer group profit calculation server 3705 and a PB customer group profit calculation server ( 3710), special customer group profit calculation server (3725), corporate customer group profit calculation server (3720), age-based profit calculation server (3725), regional profit calculation server (3730), gender profit calculation server (3735), profitability by job The calculation server 3740, the integrated profit calculation server 3700, and the financial system 3750, characterized in that comprises a.

In addition, individual customer group profitability calculation server (3705), PB customer group profitability calculation server (3710), special customer group profitability calculation server (3725), corporate customer group profitability calculation server (3720), age-specific profitability calculation server (3725), Regional profitability calculation server (3730), gender profitability calculation server (3735), job profitability calculation server (3740), integrated profitability calculation server (3700) may be provided inside the financial system (3750), financial system (3750) It may be provided outside the).

In addition, individual customer group profitability calculation server (3705), PB customer group profitability calculation server (3710), special customer group profitability calculation server (3725), corporate customer group profitability calculation server (3720), age-specific profitability calculation server (3725), Regional profitability calculation server 3730, gender profitability calculation server 3735, job profitability calculation server 3740, integrated profitability calculation server 3700 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 information of the individual customer group receiving information from the ledger D / B in connection with the external system of the financial system (3750) 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.

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

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

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

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

According to the implementation method of the present invention, the individual customer group profitability calculation server 3705 calculates profitability by account products or non-account products of the individual customer group or profitability by joining new account products or new non-account products of the individual customer group. It is characterized by providing a calculation function.

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

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

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

In addition, 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 3710 may calculate profitability by account products or non-account products of the PB customer group, or profitability by joining new account products or new non-account 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 3725 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 3720 is a profitability based on the profitability calculation by the account product or non-account product of the enterprise customer group or the new account product or new non-account product subscription 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 3725 provides a profitability calculation function according to age-based account products or non-account products, or profitability calculation according to age-specific new account products or new non-account products. It is done.

According to an embodiment of the present invention, the regional profitability calculation server 3730 provides a profitability calculation function according to a regional account product or a non-account product or a new account product or a new non-account product subscription by region. It is done.

According to the implementation method of the present invention, the gender profit calculation server 3735 provides a profitability calculation function according to a gender account product or a non-account product, or a new account product or new non-account product subscription according to a gender. Characterized in that.

According to the implementation method of the present invention, the profitability calculation server 3740 for each job provides a profitability calculation function according to a job accounting or non-account product profitability calculation or a new account product or new non-account product subscription for each job. Characterized in that.

According to the exemplary embodiment of the present invention, the integrated profitability calculation server 3700 may include profitability information calculated by the personal customer group profitability calculation server 3705 or profitability information calculated by the PB customer group profitability calculation server 3710, Or profitability information calculated by the special customer group profitability calculation server 3725, profitability information calculated by the corporate customer group profitability calculation server 3720, profitability information calculated by the age-specific profitability calculation server 3725, or Providing integrated profitability calculation function comprising at least one profitability calculation server 3740, profitability information calculated by gender profitability calculation server 3735, or profitability information calculated by job profitability calculation server 3740. It is characterized by.

According to an embodiment of the present invention, the financial system 3750 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 3750 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 3750 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based network connected to the TCP / IP-based backbone network through the Internet banking server) At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 3750 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 3750 is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based on the IC chip-based wireless banking server) At least one 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 3750 is characterized in that it is 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 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 3750 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 3750 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. 37, the financial system 3750 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 3750 and at least one other financial system 3750 (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 3750, and / or an external system that provides a variety of financial transaction interfaces through at least one or more common networks (e.g., CD common network, financial common network). 3750 is an interface module corresponding to a middleware platform that provides inter-component interfacing within the financial system 3750, and predetermined functions required for performing respective functions in the components in the financial system 3750. 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 3750 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 3750 and the purpose of the financial system 3750. 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 3750, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

38 shows a system configuration for calculating the profitability of the employee group window staff according to the embodiment of the present invention.

In more detail, FIG. 38 illustrates customer information (eg, social security number), 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 an 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 the calculation, those of ordinary skill in the field to which the present invention belongs, with reference to this figure 38 the profitability of the individual customer group Various implementations of the system for the export may be inferred, but the present invention is not limited to this figure 38, but includes all the implementations inferred above.

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 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 3705, at least one face-to-face or non-face-to-face financial transaction channel provided at a branch (or branch) of a financial institution , Foreign exchange remittance, financial investment, etc.) is provided with a financial system 3750 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 3705 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, new subscription account information, or Extracting the new subscription cost information from the financial system (3750), 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 With reference to 38, various 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. 38, 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 profitability calculation server includes a D / B for storing the profitability calculation result of the individual customer group or a separate D / B server and a communication network having a D / B for storing the profitability calculation result of the individual customer group. Interlocked.

Referring to FIG. 38, the personal customer group profitability calculation server 3705 receives an information receiver 3805 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 3750. An information extracting unit 3810 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 3815 for confirming profitability information among the information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 3820 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 3825 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 3750. The ledger D / B includes customer information, account information, non-account information, and employee information necessary for calculating profitability for the individual customer group. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information receiving unit 3805 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 3750 may include information on at least one of new subscription account information and new subscription account staff information for a registered account, or information including new subscription account information and new membership account staff information newly registered by the customer. The ledger information is received from the ledger D / B in association with the alien and provided to the information extracting unit 3810.

Here, the ledger information includes customer information, account information, non-account information, and employee information requested from the personal customer group profitability calculation server 3705 to the financial system 3750 in order to calculate profitability for the individual customer group. desirable.

According to the exemplary embodiment of the present invention, the information extracting unit 3810 may include the customer information received from the information receiving unit 3805, 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 group from the employee information in charge of the information provided to the information verification unit 3815, or the new subscription account associated with the customer information, the customer information received from the information receiving unit 3805 Information about the individual 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 3815.

According to the exemplary embodiment of the present invention, the information checking unit 3815 may include the customer information extracted from the information extracting unit 3810, 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 3810, 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 3825 and the above Provided to the profitability calculator 3820.

The profitability calculator 3820 may include subscription account profitability information for the individual customer group or subscription non-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 3815. 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, and the information storage unit (10) 3825).

According to the implementation method of the present invention, the profitability calculation unit 3820 may borrow interest from a savings account or a savings account from a subscription account information for an individual customer group and receive interest, or a 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 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 3820 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 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 account profitability information for the individual customer group may include a handling fee for a new foreign exchange product transaction, a handling fee for a new derivative product subscription, a potential operating fee for a new derivative product subscription, or a handling fee for a new securities transaction. It is preferable to include at least one or more.

According to the method of the present invention, the information storage unit 3825 stores profitability information provided by the profitability calculator 3820 in a D / B provided in the personal customer group profitability calculation server 3705 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 3820 through a communication network.

According to the implementation method of the present invention, the financial system 3750 calculates the profitability of the individual customer group ledger information in association with the ledger D / B in the financial system 3750 in connection with the personal customer group profitability calculation server 3705 A function for providing to the server 3705 is provided, and a detailed description of the internal configuration has been described with reference to FIG.

In addition, the ledger information for the ledger D / B of the financial system 3750 has more information than the information shown in the ledger D / B of the financial system 3750 shown in Figure 38, Only information is shown.

39 shows profitability information of subscription accounts for individual customer groups, profitability information for subscription accounts for individual customer groups, and new subscription account profitability information for individual customer groups 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, the drawing 39 obtains the ledger information from the ledger D / B of the financial system 3750 shown in FIG. 37, and the five conditions of the individual customer group through the individual customer group profitability calculation server shown in FIG. Profitability information for (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, and new subscription non-account profitability information for individual customer groups) Regarding the process of storing and registering in the D / B of the personal customer group profitability calculation server 3705, and having a general knowledge in the field to which the present invention belongs, the profitability calculation of the individual customer group is calculated with reference to FIG. Various embodiments of the system may be inferred, but the present invention is not limited to this figure 39, and includes all the inferred implementation methods. The.

Hereinafter, in Fig. 39, the personal customer group profitability calculation server 3705 shown in Fig. 38 is referred to as " server "

Referring to FIG. 39A, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for calculating the profitability. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (3900a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 3750, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 3750 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 (3905a).

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. 39a, only the portion of the individual customer group is processed (3910a). ).

Thereafter, the server checks profitability information of the subscription account corresponding to the individual customer group (3915a), and stores and registers the confirmed profitability information in the server D / B (3920a).

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. 39B, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for calculating the profitability. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (3900b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 3750 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 (3905b).

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. 39b, only the portion of the individual customer group is processed (3910b). ).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the individual customer group (3915b), and stores and registers the confirmed profitability information in the server D / B (3920b).

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. 39C, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for calculating the profitability. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (3900c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 3750, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 3750 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 (3905c).

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. 39c, only the portion of the individual customer group is processed (3910c). ).

Thereafter, the server checks the new subscription account profitability information corresponding to the individual customer group (3915c), and stores and registers the checked profitability information in the server D / B (3920c).

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. 39D, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (3900d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 3750 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 (3905d).

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. 39d, only the portion of the individual customer group is processed (3910d). ).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the individual customer group (3920d), and stores and registers the confirmed profitability information in the server D / B (3925d).

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.

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

More specifically, FIG. 40 shows customer information (eg, social security number), 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 PB 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 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 40 to calculate the profitability 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 40, 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. At least one financial transaction (eg, credit, reception, currency exchange) through the PB customer group profitability calculation server 3710 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 for calculating , Foreign exchange remittance, financial investment, etc.) is provided with a financial system 3750 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 3710 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 cost account, new subscription account information, or Extracting the new subscription fee account information from the financial system (3750), it is preferable to check the profitability of each employee PB 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 40, various information for calculating PB customer group profitability, such as the expenses (e.g., employee wages) for employees in charge of PB customer group, can be added to the method of confirming the profitability of the PB customer group. In Fig. 40, 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. 40, the PB customer group profitability calculation server 3710 may receive an information receiver 4005 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 3750. An information extracting unit 4010 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 4015 for confirming profitability information among information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 4020 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 4025 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 3750. The ledger D / B includes customer information, account information, non-account information, and employee information necessary for profitability calculation for the PB customer group. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information receiving unit 4005 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 3750 may include information on at least one of new subscription account information and new subscription account staff information for a registered account, or information including new subscription account information and new membership account staff information newly registered by the customer. The ledger information is received from the ledger D / B in association with the alien and provided to the information extraction unit 4010.

Here, the ledger information includes customer information, account information, non-account information, and employee information requested from the PB customer group profitability calculation server 3710 to the financial system 3750 in order to calculate profitability for the PB customer group. desirable.

According to the exemplary embodiment of the present invention, the information extracting unit 4010 may include the customer information received from the information receiving unit 4005, 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 verification unit 4015, or the new subscription account associated with the customer information, the customer information received from the information receiving unit 4005 Information about 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 4015.

According to the exemplary embodiment of the present invention, the information checking unit 4015 may include the customer information extracted by the information extracting unit 4010, 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 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 4010, 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 4025 and the above Provided to the profitability calculation unit 4020.

The profitability calculation unit 4020 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 4015. 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). 4025).

According to an embodiment of the present invention, the profitability calculation unit 4020 borrows a deposit for a savings account or a savings account from the subscription account information for the PB customer group and receives an interest income or a loan interest income for the loan account. It is desirable to calculate profitability information.

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

In addition, the profitability calculation unit 4020 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 group. It is desirable to calculate profitability information, such as handling fees.

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

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

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

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

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

According to an exemplary embodiment of the present invention, the information storage unit 4025 stores profitability information provided by the profitability calculation unit 4020 in a D / B provided in the PB customer group profitability calculation server 3710 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 4020 through a communication network.

According to the implementation method of the present invention, the financial system 3750 calculates the profitability of the PB customer group in connection with the ledger D / B in the financial system 3750 in connection with the PB customer group profitability calculation server 3710. It provides a function for providing to the server 3710, the detailed description of the internal configuration has been described with reference to Figure 37, it is omitted.

In addition, the ledger information for the ledger D / B of the financial system 3750 has more information than the information shown in the ledger D / B of the financial system 3750 shown in Figure 40, but for calculating the profitability of the PB customer group Only information is shown.

Figure 41 shows the profitability information of the subscription account for the PB customer group, the profitability of the subscription account for the PB customer group, the profitability information of the new subscription account for the PB customer group according to the method of the present invention. In this case, the operation flow of the system for calculating the profitability of the PB customer group including at least one profitability information of the new subscription fee account for the PB customer group is shown.

In more detail, the drawing 41 obtains the ledger information from the ledger D / B of the financial system 3750 shown in FIG. 37, and the five conditions of the PB customer group through the PB customer group profitability calculation server shown in FIG. Profitability information for (subscription account profitability information for PB customer groups, subscription account profitability information for PB customer groups, new subscription account profitability information for PB customer groups, and new subscription non-account profitability information for PB customer groups) Regarding the process of storing and registering in the D / B of the PB customer group profitability calculation server 3710, those skilled in the art to which the present invention pertains will refer to FIG. 41 to calculate the profitability calculation of the PB customer group. Although various embodiments of the system may be inferred, the present invention is not limited to the drawing 41 and includes all the inferred implementation methods.

Hereinafter, in FIG. 41, the PB customer group profitability calculation server 3710 shown in FIG. 40 is referred to as a "server" for convenience.

Referring to FIG. 41A, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for calculating the profitability. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4100a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 3750, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 3750 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 (4105a).

If information on 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. ).

Thereafter, the server checks profitability information of the subscription account corresponding to the PB customer group (4115a), and stores and registers the confirmed profitability information in the server D / B (4120a).

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. 41B, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide the ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4100b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 3750 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 (4105b).

If information on 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. 41B, only the portion of the PB customer group is processed (4110b). ).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the PB customer group (4115b), and stores and registers the confirmed profitability information in the server D / B (4120b).

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. 41C, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4100c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 3750, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 3750 as described above, the server extracts the new subscription account information from the ledger information and extracts the information about the PB customer group from the new subscription account information (4105c).

If information about groups other than the PB customer group is extracted from the affiliated account information, processing is performed by referring to the drawings shown below according to each group, and in FIG. 41C, only the portion of the PB customer group is processed (4110c). ).

Thereafter, the server checks new subscription account profitability information corresponding to the PB customer group (4115c), and stores and registers the confirmed profitability information in the server D / B (4120c).

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. 41D, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4100d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 3750 as described above, the server extracts the new subscription fee account information from the ledger information and extracts the information on the PB customer group from the new subscription fee account information (4105d).

If information on 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. 41D, only the portion of the PB customer group is processed (4110d). ).

Thereafter, the server checks profitability information of the new subscription fee account corresponding to the PB customer group (4120d), and stores and registers the confirmed profitability information in the server D / B (4125d).

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.

42 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.

More specifically, Figure 42 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) 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 special 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 special customer group from the extracted information. As showing the internal configuration of the system for the calculation, those of ordinary skill in the field to which the present invention belongs, with reference to this drawing 42 the profitability of the special customer group Various implementation methods of the system for the export may be inferred, but the present invention is not limited to the drawing 42, but includes all the implementation methods inferred.

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

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 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 3725, at least one face-to-face or non-face-to-face financial transaction channel provided at a branch (or branch) of a financial institution , Foreign exchange remittance, financial investment, etc.) is provided with a financial system 3750 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 3725 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 fee account information from the financial system (3750), 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 42, various information for calculating the profitability of the 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. 42, the factor of the 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 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 for storing the profit calculation result of the special customer group or a separate D / B server and a communication network having a D / B for saving the profit calculation result of the special customer group. Interlocked.

Referring to FIG. 42, the special customer group profitability calculation server 3725 includes an information receiver 4205 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 3750. An information extracting unit 4210 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 4215 for confirming profitability information among the information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 4220 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 4225 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 3750. The ledger D / B includes customer information, account information, non-account information, and employee information necessary for profitability calculation for a special customer group. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information receiving unit 4205 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 3750 may include information on at least one of new subscription account information and new subscription account staff information for a registered account, or information including new subscription account information and new membership account staff information newly registered by the customer. The ledger information is received from the ledger D / B in association with the alien and provided to the information extraction unit 4210.

Here, the ledger information includes customer information, account information, non-account information, and employee information requested from the special customer group profitability calculation server 3725 to the financial system 3750 in order to calculate profitability for the special customer group. desirable.

According to the exemplary embodiment of the present invention, the information extracting unit 4210 may include the customer information received from the information receiving unit 4205, 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 4215 or the new subscription account associated with the customer information, the customer information received by the information receiving unit 4205 Information about a 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 4215.

According to an exemplary embodiment of the present invention, the information checking unit 4215 may include the customer information extracted by the information extracting unit 4210, 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 in charge of the special customer group information on the subscription account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 4210, 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 subscription cost account information, the new subscription account or the employee information managing the new subscription account, the information storage unit 4225 and the above The profitability calculation unit 4220 is provided.

The profitability calculation unit 4220 may include subscription account profitability information for the special customer group or subscription non-account profitability information for the special customer group or new subscription account profitability information for the special customer group or the special customer group provided by the information checking unit 4215. 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) 4225).

According to the implementation method of the present invention, the profitability calculation unit 4220 may borrow loans for savings accounts or savings accounts from subscription account information for special customer groups and receive interest, loan interest income for loan accounts, and the like. 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 4220 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 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 exemplary embodiment of the present invention, the information storage unit 4225 stores profitability information provided by the profitability calculation unit 4220 in a D / B provided in the special customer group profitability calculation server 3725 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 4220 through a communication network.

According to the implementation method of the present invention, the financial system 3750 calculates the ledger information in association with the ledger D / B in the financial system 3750 in conjunction with the special customer group profitability calculation server 3725 It provides a function for providing to the server 3725, the detailed description of the internal configuration has been described with reference to Figure 37, it is omitted.

In addition, the ledger information for the ledger D / B of the financial system 3750 has more information than the information shown in the ledger D / B of the financial system 3750 shown in Figure 42, but for calculating the profitability of the special customer group Only information is shown.

43 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.

In more detail, FIG. 43 shows the ledger information from the ledger D / B of the financial system 3750 shown in FIG. 37 and the special customer group profitability calculation server 3725 shown in FIG. Profitability information for five conditions (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, new subscription non-account profitability information for special customer groups) Regarding the process of storing and registering in the D / B of the special customer group profitability calculation server 3725, the person having ordinary knowledge in the field of the present invention belongs to the special customer group with reference to FIG. Various implementation methods of the system for profitability calculation may be inferred, but the present invention is not limited to the drawing 43, and all implementation methods inferred above It should.

Hereinafter, in FIG. 43, the special customer group profitability calculation server 3725 shown in FIG. 42 is referred to as "server" for convenience.

Referring to FIG. 43A, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4300a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 3750, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 3750 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 (4305a).

If information on 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. 43a, only the part of the special customer group is processed (4310a). ).

Thereafter, the server checks the profitability information of the subscription account corresponding to the special customer group (4315a), and stores and registers the checked profitability information in the server D / B (4320a).

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. 43B, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for calculating profitability. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4300b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 3750 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 (4305b).

If information on 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. 43b, only the part of the special customer group is processed (4310b). ).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the special customer group (4315b), and stores and registers the checked profitability information in the server D / B (4320b).

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. 43C, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4300c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 3750, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 3750 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 (4305c).

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. 43c, only the part of the special customer group is processed (4310c). ).

Thereafter, the server checks the new subscription account profitability information corresponding to the special customer group (4315c), and stores and registers the checked profitability information in the server D / B (4320c).

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

Referring to FIG. 43D, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for calculating the profitability. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4300d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 3750 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 (4305d).

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. 43d, only the part of the special customer group is processed (4310d). ).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the special customer group (4320d), and stores and registers the confirmed profitability information in the server D / B (4325d).

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.

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

In more detail, Figure 44 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) 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 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 drawing 44 the profitability of the enterprise customer group Various implementations of the system for the export may be inferred, but the present invention is not limited to this figure 44, but includes all the implementations inferred above.

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 At least one financial transaction (eg, credit, reception, currency exchange) through the corporate customer group profitability calculation server 3720, at least one face-to-face or non-face-to-face financial transaction channel provided in the branch (or branch) of the financial institution. , Foreign exchange remittance, financial investment, etc.) is provided with a financial system 3750 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 3720 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, new subscription account information, or Extracting the new subscription cost information from the financial system (3750), it is preferable to check the profitability of the corporate 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 44, various information for calculating the profitability of the corporate customer group, such as the expenses (e.g., employee wages) for the employees in charge of the corporate customer group, can be added to the method of confirming the profitability of the corporate customer group. In Fig. 44, 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 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. 44, the corporate customer group profitability calculation server 3720 includes an information receiver 4405 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 3750. An information extracting unit 4410 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 4415 for confirming profitability information among the information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 4420 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 4425 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 3750. The ledger D / B includes customer information, account information, non-account information, and employee information necessary for calculating profitability for the corporate customer group. It is preferable to comprise.

According to the method of the present invention, the information receiving unit 4405 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 is new The financial system 3750 may include information on at least one of new subscription account information and new subscription account staff information for a registered account, or information including new subscription account information and new membership account staff information newly registered by the customer. The ledger information is received from the ledger D / B in association with the alien and provided to the information extraction unit 4410.

Here, the ledger information includes customer information, account information, non-account information, employee information requested by the corporate customer group profitability calculation server 3720 to the financial system 3750 to calculate profitability for the corporate customer group. desirable.

According to the exemplary embodiment of the present invention, the information extracting unit 4410 may include the customer information received from the information receiving unit 4405, 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 4415 or the new subscription account associated with the customer information, the customer information received by the information receiving unit 4405 Information about the new corporate 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 4415.

According to the exemplary embodiment of the present invention, the information checking unit 4415 may include the customer information extracted from the information extracting unit 4410, 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 from the information extraction unit 4410, 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 4425 and the above Provided to the profitability calculation unit 4420.

The profitability calculation unit 4420 may provide 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 verification unit 4415. 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 ( 4425).

According to the implementation method of the present invention, the profitability calculation unit 4420 may borrow loans for savings accounts or savings accounts from subscription account information for corporate customer groups and receive interest and loan interest income for loan accounts. 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 4420 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 the subscription fee account information for the corporate customer group. It is desirable to calculate profitability information, such as handling fees.

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

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

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

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

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

According to an embodiment of the present invention, the information storage unit 4425 stores profitability information provided by the profitability calculation unit 4420 in a D / B provided in the corporate customer group profitability calculation server 3720 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 4420 through a communication network.

According to the implementation method of the present invention, the financial system 3750 calculates the corporate customer group profitability of the ledger information in association with the ledger D / B in the financial system 3750 in connection with the corporate customer group profitability calculation server 3720. It provides a function for providing to the server 3720, the detailed description of the internal configuration has been described with reference to Figure 37, it is omitted.

In addition, the ledger information for the ledger D / B of the financial system 3750 has more information than the information shown in the ledger D / B of the financial system 3750 shown in Figure 44, Only information is shown.

45 shows profitability information of a subscription account for a corporate customer group, profitability information of a subscription fee for a corporate customer group, and profitability information of a new customer account 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.

In more detail, the drawing 45 obtains the ledger information from the ledger D / B of the financial system 3750 shown in FIG. 37 and the five conditions of the corporate customer group through the corporate customer group profitability calculation server shown in FIG. Profitability information for (account profitability information for corporate customer groups, subscription profitability information for corporate customer groups, profitability information for new subscription accounts for corporate customer groups, and profitability information for new subscription accounts for corporate customer groups) Regarding the process of storing and registering in the D / B of the corporate customer group profitability calculation server 3720, a person having ordinary knowledge in the field to which the present invention belongs, will calculate the profitability calculation of the corporate customer group with reference to FIG. Although various embodiments of the system may be inferred, the present invention is not limited to this figure 45 and includes all the inferred implementation methods. The.

Hereinafter, in Figure 45, the corporate customer group profitability calculation server 3720 shown in Figure 44 is referred to as "server" for convenience.

Referring to FIG. 45A, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide the ledger information of the financial system 3750 ledger D / B for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4500a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 3750, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 3750 as described above, the server extracts the subscription account information from the ledger information and extracts the information about the corporate customer group from the subscription account information (4505a).

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. 45a, only a portion of the corporate customer group is processed (4510a). ).

Thereafter, the server checks the profitability information of the subscription account corresponding to the corporate customer group (4515a), and stores and registers the confirmed profitability information in the server D / B (4520a).

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. 45B, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4500b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 3750 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 (4505b).

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. 45b, only the portion of the corporate customer group is processed (4510b). ).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the corporate customer group (4515b), and stores and registers the confirmed profitability information in the server D / B (4520b).

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. 45c, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide the ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4500c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 3750, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 3750 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 (4505c).

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. 45c, only the portion of the corporate customer group is processed (4510c). ).

Thereafter, the server checks the new subscription account profitability information corresponding to the corporate customer group (4515c), and stores and registers the confirmed profitability information in the server D / B (4520c).

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. 45D, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for calculating the profitability. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4500d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 3750 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 (4505d).

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. 45d, only the portion of the corporate customer group is processed (4510d). ).

Thereafter, the server checks profitability information of the new subscription fee account corresponding to the corporate customer group (4520d), and stores and registers the confirmed profitability information in the server D / B (4525d).

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

46 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 46 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 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 drawing 46 Would have to be inferred, the present invention is not limited to the figure 46, 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, it is preferable that the derivatives mean swaps, interest rate futures, options, and the like.

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

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

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

According to the implementation method of the present invention, the age-based window staff profit calculation system for calculating the profitability according to age-based account products or non-account products, or calculate the profitability by joining a new account product or new non-account products by age group (3725) provide at least one financial transaction (eg, credit, receiving, currency exchange, foreign currency transfer, 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 3750 to provide.

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

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

The age-specific profitability calculation server 3725 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. Extracting the account information from the financial system 3750, a method of checking the profitability according to the age of each employee according to the employee information is preferred, if the person having ordinary knowledge in the field of the present invention, refer to this figure 46 In order to check the profitability according to age, various information for calculating profitability according to age, such as the cost (eg, employee wage), etc. for an employee in charge of a specific age, 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 age-based profitability calculation server 3725 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.

46, the age-based profitability calculation server 3725 includes an information receiver 4605 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 3750. An information extracting unit 4610 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 4615 (or information for confirming profitability information among the information extracted from the ledger D / B) Confirmation means), a profitability calculation unit 4620 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 4625 (or information storage means) for storing the profitability calculation information in the D / B. It is characterized by comprising a).

Here, the ledger D / B is a D / B provided in the financial system 3750, and the ledger D / B includes customer information, account information, non-account information, and employee information necessary for calculating profitability for age. It is preferable to make.

According to the exemplary embodiment of the present invention, the information receiving unit 4605 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 3750 may include information on at least one of new subscription account information and new subscription account staff information for a registered account, or information including new subscription account information and new membership account staff information newly registered by the customer. The ledger information is received from the ledger D / B in association with the alien and provided to the information extraction unit 4610.

Here, the ledger information preferably includes customer information, account information, non-account information, and employee information requested by the financial system 3750 from the age-specific profitability calculation server 3725 to calculate profitability by age.

According to the exemplary embodiment of the present invention, the information extracting unit 4610 may include the customer information received from the information receiving unit 4605, 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 on a specific age from the employee information in charge of the information provided to the information verification unit 4615, or the new subscription account information associated with the customer information, the customer information received from the information receiving unit 4605 Alternatively, the 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 4615.

According to the exemplary embodiment of the present invention, the information checking unit 4615 may include the customer information extracted from the information extracting unit 4610, 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 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 4610, 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 age-specific information among the employee information managing the new subscription account or the new subscription cost account and providing the information to the information storage unit 4525 and the profitability calculation unit 4620. do.

The profitability calculator 4620 may include at least one of age-based subscription account profitability information, age-based subscription cost account profitability information, age-specific subscription account profitability information, or age-based new subscription cost account profitability information provided by the information verification unit 4615. Profitability is calculated in connection with age-related profitability information, and the calculated age-specific profitability information is provided to the information storage unit 4625.

According to the implementation method of the present invention, the profitability calculator 4620 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 4620 may handle handling fees for foreign exchange product transactions, handling fees for derivative products, operating fees for derivatives, handling fees for securities, or handling fees for additional services in the subscription fee account information for each age. It is desirable to calculate profitability information such as the above.

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

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

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

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

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

According to the method of the present invention, the information storage unit 4625 stores the profitability information provided by the profitability calculator 4620 in a D / B provided in the age-specific profitability calculation server 3725 or the profitability calculator ( 4620 is linked with a separate D / B server having a D / B for storing the profitability information provided by the communication network.

According to an embodiment of the present invention, the financial system 3750 is linked to the age-specific profitability calculation server 3725 and the ledger information is linked to the ledger D / B inside the financial system 3750 by age-based profitability calculation server 3725. It provides a function to provide, and since the detailed description of the internal configuration has been described through Figure 37, it is omitted.

In addition, the ledger information for the ledger D / B of the financial system 3750 has more information than the information shown in the ledger D / B of the financial system 3750 shown in Figure 46, but only information for calculating profitability by age Illustrated.

Figure 47 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.

More specifically, Figure 47 shows the ledger information from the ledger D / B of the financial system 3750 shown in Figure 37 and the five conditions (by age) through the age-based profitability calculation server 3725 shown in Figure 46 Profitability information for subscription account profitability information, age-based non-account profitability information, age-related new subscription account profitability information, and age-specific new subscription non-account profitability information) is checked and stored in D / B of age-based profitability calculation server 3725 in the process of storing and registering. Regarding one of ordinary skill in the art to which the present invention pertains, various embodiments of the system for calculating profitability by age may be inferred with reference to the present invention, but the present invention is not limited to the present invention. And all implementation methods inferred above.

Hereinafter, in FIG. 47, the age-specific profitability calculation server 3725 shown in FIG. 46 is referred to as a "server" for convenience.

Referring to FIG. 47A, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4700a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 3750, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 3750 as described above, the server extracts subscription account information from the ledger information and extracts age-specific information from the subscription account information (4705a).

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-specific subscription account (4715a), and stores and registers the confirmed profitability information in the server D / B (4720a).

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. 47B, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4700b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 3750 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 (4705b).

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. 47A, only the age-specific information portion is processed (4710b).

Thereafter, the server checks profitability information of the age-based subscription fee account (4715b), and stores and registers the confirmed profitability information in the server D / B (4720b).

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. 47C, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide the ledger information of the financial system 3750 ledger D / B for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4700c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 3750, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 3750 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 (4705c).

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. 47A, only the age-specific information portion is processed (4710c).

Thereafter, the server checks the new subscription account profitability information for each age (4715c), and stores and registers the confirmed profitability information in the server D / B (4720c).

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. 47D, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for calculating the profitability. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4700d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 3750 as described above, the server extracts the new subscription ratio account information from the ledger information, and extracts the age-specific information from the new subscription ratio account information (4705d).

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.

Thereafter, the server checks profitability information of the new subscription fee for each age (4720d), and stores and registers the confirmed profitability information in the server D / B (4725d).

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

In more detail, Figure 48 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, imports and exports) for calculating profitability by region. 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 skilled in the art to which the present invention pertains, various embodiments of the system for calculating profitability by region with reference to this drawing 48 Would have to be inferred, the present invention is not limited to the figure 48, 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 regional counter staff's profitability calculation system for calculating the profitability according to the regional account products or non-account products, or to calculate the profitability of the new account products or new non-account subscriptions by region 3730, at least one financial transaction (eg, credit, receiving, currency exchange, foreign currency remittance, financial investment, etc.) services through at least one face-to-face or non-face-to-face financial transaction channel provided at the branch (or branch) of the financial institution It is characterized by comprising a financial system 3750 to provide.

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

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

The regional profitability calculation server 3730 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, new subscription account information, or new subscription fee. Extracting the account information from the financial system 3750, a method of confirming the profitability according to the region of each employee according to the employee information is preferred, if the person having ordinary knowledge in the field of the present invention, refer to this figure 48 In this way, various information for calculating profitability by region may be added to the method of confirming profitability by region, such as the cost (eg, employee wage) for an employee in charge of a specific region. 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 regional profitability calculation server 3730 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. 48, the regional profitability calculation server 3730 includes an information receiver 4805 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 3750. An information extraction unit 4810 (or information extraction means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 4815 (or information for confirming profitability information among the information extracted from the ledger D / B) Confirmation means), a profitability calculation unit 4820 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 4825 (or information storage means) for storing the profitability calculation information in the D / B. It is characterized by comprising a).

Here, the ledger D / B is a D / B provided in the financial system 3750. The ledger D / B includes customer information, account information, non-account information, and employee information necessary for calculating profitability for a region. It is preferable to make.

According to the exemplary embodiment of the present invention, the information receiving unit 4805 includes 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 3750 may include information on at least one of new subscription account information and new subscription account staff information for a registered account, or information including new subscription account information and new membership account staff information newly registered by the customer. The ledger information is received from the ledger D / B in association with the alien and provided to the information extraction unit 4810.

Here, the ledger information preferably includes customer information, account information, non-account information, and employee information requested by the financial system 3750 from the regional profitability calculation server 3730 for regional profitability calculation.

According to the exemplary embodiment of the present invention, the information extracting unit 4810 may include the customer information received from the information receiving unit 4805, 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 on a specific region from the employee information in charge of the information provided to the information verification unit 4815, or the new subscription account information associated with the customer information received from the information receiving unit 4805 Alternatively, region-specific information is extracted from the new subscription ratio account information, the new subscription account or the employee information managing the new subscription account, and provided to the information verification unit 4815.

According to the exemplary embodiment of the present invention, the information checking unit 4815 may include the customer information extracted by the information extracting unit 4810, 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, or the customer information extracted from the information extraction unit 4810, new subscription account information or new subscription account information associated with the customer information, The new subscription account profitability information or the new subscription ratio account profitability information is identified from the regional information among the employee information managing the new subscription account or the new subscription ratio account and provided to the information storage unit 4825 and the profitability calculation unit 4820. do.

The profitability calculation unit 4820 may include at least one or more regional subscription account profitability information provided by the information verification unit 4815, regional subscription fee profitability information, regional subscription new account profitability information, or regional subscription subscription profitability information. Profitability is calculated in connection with regional profitability information, and the calculated regional profitability information is provided to the information storage unit 4825.

According to the implementation method of the present invention, the profitability calculation unit 4820 calculates profitability information such as loan interest for a savings account or savings account and interest income for receiving interest or loan interest for a loan account from regional subscription account information. It is desirable to.

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

In addition, the profitability calculation unit 4820 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 the method of the present invention, the information storage unit 4825 stores the profitability information provided by the profitability calculation unit 4820 in a D / B provided in the regional profitability calculation server 3730, or the profitability calculation unit ( 4820) through a communication network and a separate D / B server having a D / B for storing the profitability information provided by.

According to an embodiment of the present invention, the financial system 3750 is linked with the regional profitability calculation server 3730 to calculate the ledger information for each region in connection with the ledger D / B inside the financial system 3750. It provides a function to provide, and since the detailed description of the internal configuration has been described through Figure 37, it is omitted.

In addition, the ledger information for the ledger D / B of the financial system 3750 has more information than the information shown in the ledger D / B of the financial system 3750 shown in FIG. 48, but only information for calculating profitability by region. Illustrated.

Figure 49 is made by including at least one of the 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 method of the present invention for calculating the profitability of the regional teller It shows the operation flow of the system for calculating profitability by region.

In more detail, the drawing 49 obtains the ledger information from the ledger D / B of the financial system 3750 shown in the drawing 37, and the five conditions (per region) by the region through the regional profitability calculation server 3730 shown in the drawing 48. Profitability information for subscription account profitability information, regional subscription fee account profitability information, regional new subscription account profitability information, regional new subscription cost account profitability information) is checked and stored and registered in D / B of regional profitability calculation server 3730 Regarding one of ordinary skill in the art to which the present invention pertains, various embodiments of the system for calculating profitability for each region may be inferred with reference to this drawing 49, but the present invention is not limited to this drawing 49. And all implementation methods inferred above.

Hereinafter, in FIG. 49, the regional profitability calculation server 3730 illustrated in FIG. 48 is referred to as a “server” for convenience.

Referring to FIG. 49A, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide the ledger information of the financial system 3750 ledger D / B for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4900a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 3750, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 3750 as described above, the server extracts subscription account information from the ledger information and extracts regional information from the subscription account information (4905a).

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. 49a, only the region-specific information portion is processed (4910a).

Thereafter, the server checks profitability information of the regional subscription account (4915a), and stores and registers the checked profitability information in the server D / B (4920a).

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. 49B, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4900b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 3750 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 (4905b).

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. 49a, only the region-specific information portion is processed (4910b).

Thereafter, the server checks the profitability information of the regional subscription fee account (4915b), and stores and registers the confirmed profitability information in the server D / B (4920b).

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. 49C, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4900c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 3750, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 3750 as described above, the server extracts new subscription account information from the ledger information and extracts regional information from the new subscription account information (4905c).

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 new subscription account profitability information for each region (4915c), and stores and registers the confirmed profitability information in the server D / B (4920c).

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. 49D, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (4900d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 3750 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 (4905d).

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. 49a, only the region-specific information portion is processed (4910d).

Thereafter, the server checks the profitability information of the new subscription fee for each region (4920d), and stores and registers the confirmed profitability information in the server D / B (4925d).

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

Figure 50 shows a system configuration for calculating the profitability of the staff of the sex window according to the embodiment of the present invention.

More specifically, Figure 50 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 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 skilled in the art to which the present invention pertains, various implementation methods of the system for calculating sex profitability with reference to this drawing 50 Would be chuhal, the invention is not limited to the figure 50, 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 (3735) service 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 a branch (or branch) of a financial institution. It is characterized by comprising a financial system 3750 to provide.

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

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

The gender profitability calculation server 3735 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 3750 and checking 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. 50. In order to check profitability according to gender, various information for calculating profitability by gender, such as the cost (for example, employee wages) for an employee in charge of a specific gender, 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 gender profitability calculation server 3735 is provided with a D / B for storing the result of gender profitability calculation or interworked with a separate D / B server having a D / B for storing the result of gender profitability calculation.

Referring to FIG. 50, the gender profit calculation server 3735 includes an information receiver 5005 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 3750. An information extraction unit 5010 (or information extraction means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 5015 (or information for confirming profitability information among the information extracted from the ledger D / B) Confirmation means), a profitability calculation unit 5020 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 5025 (or information storage means) for storing the profitability calculation information in the D / B. It is characterized by comprising a).

Here, the ledger D / B is a D / B provided in the financial system 3750. The ledger D / B includes customer information, account information, non-account information, and employee information necessary for calculating profitability for gender. It is preferable to make.

According to the exemplary embodiment of the present invention, the information receiving unit 5005 includes 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 3750 may include information on at least one of new subscription account information and new subscription account staff information for a registered account, or information including new subscription account information and new membership account staff information newly registered by the customer. The ledger information is received from the ledger D / B in association with the alien and provided to the information extraction unit 5010.

Here, the ledger information preferably includes customer information, account information, non-account information, and employee information requested by the gender profit calculation server 3735 to the financial system 3750 in order to calculate gender profitability.

According to the exemplary embodiment of the present invention, the information extracting unit 5010 may include the customer information received from the information receiving unit 5005, 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 on specificity among the employee information in charge of the information provided to the information check unit 5015, or the customer information received from the information receiving unit 5005, new subscription account information associated with the customer information or The gender 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 5015.

According to the exemplary embodiment of the present invention, the information checking unit 5015 may include the customer information extracted from the information extracting unit 5010, 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 which is in charge of the account account profitability information or non-account profitability information, or the customer information extracted from the information extraction unit 5010, 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 5025 and the profitability calculation unit 5020. do.

The profitability calculation unit 5020 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 checking unit 5015. Profitability is calculated in connection with profitability information according to various genders including at least one information, and the calculated sex profitability information is provided to the information storage unit 5025.

According to the implementation method of the present invention, the profitability calculation unit 5020 calculates profitability information such as interest income or loan interest income for loan accounts and loans for savings accounts or savings accounts 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 5020 may handle handling fees for foreign exchange product transactions, handling fees for derivatives, handling fees for derivatives, handling fees for securities, or handling fees for ancillary services. It is desirable to calculate profitability information such as the above.

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

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

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

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

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

According to an exemplary embodiment of the present invention, the information storage unit 5025 stores profitability information provided by the profitability calculation unit 5020 in a D / B provided in the gender profitability calculation server 3735 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 5020).

According to the method of the present invention, the financial system 3750 is linked to the gender profit calculation server 3735 gender profit calculation server in connection with the ledger D / B in the financial system 3750 It provides a function to provide, and since the detailed description of the internal configuration has been described through Figure 37, it is omitted.

In addition, the ledger information for the ledger D / B of the financial system 3750 has more information than the information shown in the ledger D / B of the financial system 3750 shown in Figure 50, but only information for calculating gender profitability Illustrated.

51 is a view 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 the embodiment of the present invention It shows the operation flow of the system for calculating gender profitability.

In more detail, Fig. 51 shows the ledger information from the ledger D / B of the financial system 3750 shown in Fig. 37, and shows the above five conditions (gender) through the gender profit calculation server 3735 shown in Fig. 50. In the process of checking the profitability information of the subscription account profitability information, gender subscription non-account profitability information, gender new subscription account profitability information, gender new subscription non-account profitability information) and storing and registering it in the D / B of the gender profitability calculation server 3735 As related to the present invention, one of ordinary skill in the art to which the present invention pertains may refer to various embodiments of the system for calculating gender profitability with reference to this drawing 51, but the present invention is not limited to this drawing 51. And all implementation methods inferred above.

Hereinafter, in FIG. 51, the gender profitability calculation server 3735 shown in FIG. 50 is referred to as "server" for convenience.

Referring to FIG. 51A, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (5100a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 3750, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 3750 as described above, the server extracts subscription account information from the ledger information and extracts gender information from the subscription account information (5105a).

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 51a, only the gender information portion is processed (5110a).

Thereafter, the server checks profitability information of the gender subscription account (5115a), and stores and registers the confirmed profitability information in the server D / B (5120a).

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. 51B, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (5100b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 3750 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 (5105b).

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 51a, only the gender information portion is processed (5110b).

Thereafter, the server checks profitability information of the gender subscription ratio account (5115b), and stores and registers the confirmed profitability information in the server D / B (5120b).

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. 51c, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for calculating the profitability. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (5100c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 3750, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 3750 as described above, the server extracts new subscription account information from the ledger information and extracts gender information from the new subscription account information (5105c).

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 51a, only the gender information portion is processed (5110c).

Thereafter, the server checks the gender new subscription account profitability information (5115c), and stores and registers the confirmed profitability information in the server D / B (5120c).

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. 51D, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (5100d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 3750 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 (5105d).

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 51a, only the gender information portion is processed (5110d).

Thereafter, the server checks profitability information of the gender new subscription fee account (5120d), and stores and registers the confirmed profitability information in the server D / B (5125d).

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

Figure 52 shows a system configuration for calculating the profitability of the window staff by occupation according to the embodiment of the present invention.

More specifically, Figure 52 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.), 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 drawings, those skilled in the art to which the present invention pertains, various embodiments of the system for calculating profitability by occupation with reference to the drawing 52 Would have to be inferred, the present invention is not limited to the figure 52, 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 (eg, credit, receiving, currency exchange, foreign currency remittance, financial investment) through at least one face-to-face or non-face-to-face financial transaction channel provided at each profit calculation server 3740 and a branch (or branch) of a financial institution. Etc.) is provided with a financial system 3750 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 3740 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 (3750), 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 to which the present invention belongs, Figure 52 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) for an employee in a specific job may be added. The factor for the 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 3740 for each job has a D / B for storing profitability calculation results for each job or is linked with a separate D / B server having a D / B for storing profitability calculation results for each job through a communication network. do.

Referring to FIG. 52, the occupational profitability calculation server 3740 may include an information receiver 5205 (or information receiver) for receiving information from the ledger D / B in association with the external system of the financial system 3750, An information extracting unit 5210 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 5215 for confirming profitability information among the information extracted from the ledger D / B (or Information confirmation means), a profitability calculation unit 5220 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 5225 (or information storage) for storing the profitability calculation information in the D / B Means).

Here, the ledger D / B is a D / B provided in the financial system 3750. The ledger D / B includes customer information, account information, non-account information, and employee information necessary for calculating profitability for a job. It is preferable to make.

According to the exemplary embodiment of the present invention, the information receiving unit 5205 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 3750 may include information on at least one of new subscription account information and new subscription account staff information for a registered account or information including new subscription account information and new subscription account staff information newly registered by the customer. The ledger information is received from the ledger D / B in association with the alien and provided to the information extraction unit 5210.

Here, the ledger information preferably includes customer information, account information, non-account information, and employee information requested by the financial system 3750 from the job profitability calculation server 3740 for job profitability calculation.

According to the exemplary embodiment of the present invention, the information extracting unit 5210 may include the customer information received from the information receiving unit 5205, 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 job from the employee information in charge of the information provided to the information verification unit 5215, or the customer information received from the information receiving unit 5205, the new subscription account information associated with the customer information 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 5215.

According to the exemplary embodiment of the present invention, the information checking unit 5215 may include the customer information extracted by the information extracting unit 5210, 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 5210, new subscription account information or new subscription account information associated with the customer information In addition, the information storage unit 5225 and the profitability calculation unit 5220 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 5220 may include at least one profitability information for each job or profitability information for each job provided by the information checking unit 5215 or new job accounting profitability information for each job or new job accounting profitability information for each job. Profitability is calculated in connection with various occupational profitability information included above, and provides the calculated occupational profitability information to the information storage unit 5225.

According to the implementation method of the present invention, the profitability calculation unit 5220 may obtain 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 job. 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 5220 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 or ancillary services. 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 the method of the present invention, the information storage unit 5225 stores the profitability information provided by the profitability calculation unit 5220 in the D / B provided in the job-specific profitability calculation server 3740, 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 (5220).

According to the implementation method of the present invention, the financial system 3750 is linked with the ledger D / B in the financial system 3750 in conjunction with the job-specific profitability calculation server 3740, the ledger information for each job profitability calculation server ( 3740) to provide a function, and the detailed description of the internal configuration has been described with reference to FIG.

In addition, the ledger information for the ledger D / B of the financial system 3750 has more information than the information shown in the ledger D / B of the financial system 3750 shown in Figure 52, but the information for calculating profitability by occupation Shows the bay.

Figure 53 shows at least the job registration account profitability information, job registration fee account profitability information, job registration fee account profitability information, job registration fee account profitability information, job registration fee account profitability information for calculating 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, FIG. 53 shows the ledger information from the ledger D / B of the financial system 3750 shown in FIG. 37 and the five conditions for each job through the occupational profitability calculation server 3740 shown in FIG. D / B on the profitability calculation server 3740 by checking profitability information on (account profitability information by job, subscription fee account by job, profitability information by new job, profitability information by new job, etc.) Regarding the process of storing and registering in the present invention, a person having ordinary knowledge in the field to which the present invention belongs may infer various implementation methods of the system for calculating profitability by occupation with reference to FIG. 53. Is not limited to this figure 53 and includes all the inferred implementation methods.

Hereinafter, in FIG. 53, the job-specific profitability calculation server 3740 illustrated in FIG. 52 is referred to as a “server” for convenience.

Referring to FIG. 53A, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide the ledger information of the financial system 3750 ledger D / B for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (5300a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the financial system 3750, subscription account information associated with the customer information, and employee information in charge of the subscription account.

In addition, the customer information preferably 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 3750 as described above, the server extracts subscription account information from the ledger information and extracts job-specific information from the subscription account information (5305a).

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 53a, only the job information part is processed (5310a). ).

Thereafter, the server checks the profitability information of the subscription account for each job (5315a), and stores and registers the confirmed profitability information in the server D / B (5320a).

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. 53B, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for calculating the profitability. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (5300b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, subscription fee account information associated with the customer information, and employee information in charge of the subscription fee account.

In addition, the customer information preferably 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 3750 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 (5305b).

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 FIG. ).

Thereafter, the server checks the profitability information of the subscription fee account for each job (5315b), and stores and registers the checked profitability information in the server D / B (5320b).

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. 53C, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 3750 for the profitability calculation. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (5300c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 3750, new subscription account information associated with the customer information, and employee information in charge of the new subscription account. Do.

In addition, the customer information preferably 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 3750 as described above, the server extracts the new subscription account information from the ledger information and extracts job-specific information from the new subscription account information (5305c).

If information other than job-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 job (5315c), and stores and registers the confirmed profitability information in the server D / B (5320c).

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. 53D, the server accesses the financial system 3750 through a predetermined communication network, requests the server to provide ledger information of the financial system 3750 ledger D / B for calculating the profitability. In response, the financial system 3750 provides the ledger information of the ledger D / B to the server (5300d).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 3750, new subscription fee information associated with the customer information, and employee information in charge of the new subscription fee account. Do.

In addition, the customer information preferably 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 3750 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 (5305d).

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 53a, only the job information part is processed (5310d) ).

Thereafter, the server checks the profitability information of the new subscription fee account for each job (5320d), and stores and registers the checked profitability information in the server D / B (5325d).

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.

54 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. 54 shows employee information, employee affiliation branch information, and employee affiliation organization information of the individual customer group profit calculation server 3705 or the PB customer group profit calculation server 3710 for integrated profitability calculation. ) Or the special customer group profit calculation server 3725, or the corporate customer group profit calculation server 3720, or the age-specific profit calculation server 3725, or region-specific profit calculation server 3730, or gender profit calculation server. (3735) Or, it shows the internal configuration of the system for operating the profitability calculation results for each branch or organization according to the customer (group) provided from the profitability calculation server for each job, the person having ordinary knowledge in the field to which the present invention belongs In this case, various implementation methods of the system for integrated profitability calculation result operation may be inferred with reference to the present drawing 54, but the present invention is limited to the present drawing 54. Nor it not, includes all embodiments wherein the method of inference.

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 (3700) for integrated profitability calculation based on employee profitability information by age, employee profitability information by region, employee profitability information by gender, and employee profitability information by job, Equipped with a financial system for providing 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 in the branch (or branch) Characterized in that made.

The integrated profitability calculation server 3700 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 (3705), PB customer group profitability calculation server (3710), special customer group Profitability calculation server (3725), corporate customer group profitability calculation server (3720), age-specific profitability calculation server (3725), regional profitability calculation server (3730), gender profitability calculation server (3735), extracted by job profitability calculation server, The method of checking the integrated profitability of each branch or organization according to the customer (group) according to the employee branch information or the employee organization information of the employee is preferable, the present invention is Those skilled in the art can add various information for calculating the integrated profitability, such as the cost of the employee (eg, employee wages), to the method of confirming the integrated profitability with reference to this drawing 54. In Fig. 54, the factor of the employee's cost is omitted since 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 3700 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. 54, the integrated profitability calculation server 3700 includes the personal customer group profitability calculation server 3705, the PB customer group profitability calculation server 3710, the special customer group profitability calculation server 3725, and the corporate customer group. Profitability calculation server (3720), age-specific profitability calculation server (3725), regional profitability calculation server (3730), gender profitability calculation server (3735) in connection with profitability calculation server by job, and receives profitability information from each server D / B Information receiving unit 5405 (or information receiving means), the individual customer group profitability calculation server D / B (5430), PB customer group profitability calculation server D / B (5435), special customer group profitability calculation server D / B ( 5440), corporate customer group profitability calculation server D / B (5445), age-specific profitability calculation server D / B (5450), regional profitability calculation server D / B (5455), gender profitability calculation server D / B (5460), occupation Extract the necessary information from the information received from the profitability calculation server D / B 5465 for each Information extraction unit 5410 (or information extraction means), the individual customer group profitability calculation server D / B (5430), PB customer group profitability calculation server D / B (5435), special customer group profitability calculation server D / B ( 5440), corporate customer group profitability calculation server D / B (5445), age-specific profitability calculation server D / B (5450), regional profitability calculation server D / B (5455), gender profitability calculation server D / B (5460), occupation Profitability calculation unit 5520 (or profitability calculation means) for calculating profitability among information extracted from the profitability calculation server D / B 5465 for each information, and information confirmation unit 5515 for identifying a corresponding point or organization in the profitability calculation information. (Or information confirmation means), and an information storage unit 5525 (or information storage means) for storing the above-mentioned profitability calculation information in the D / B.

Here, the personal customer group profitability calculation server D / B 5430 preferably includes employee profitability information, employee information, branch information of the employee, and organizational information of the employee.

In addition, the PB customer group profitability calculation server D / B (5435) 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 D / B (5440) is preferably made to include the employee-specific profitability information, employee information, the branch information of the employee, the organizational information of the employee for the special customer group.

In addition, the corporate customer group profitability calculation server D / B (5445) 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 age-based profitability calculation server D / B (5450) is preferably made by including the employee-specific profitability information, employee information, the employee's position information, the employee's organization information of the employee.

In addition, the region-specific profitability calculation server D / B (5455) is preferably made to include the employee-specific profitability information, employee information, employee position information, employee organization information of the employee.

In addition, the gender profit calculation server D / B (5460) 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 job-specific profitability calculation server D / B 5465 preferably includes employee profitability information for each job, employee information, branch information of the employee, and organizational information of the employee.

According to the exemplary embodiment of the present invention, the information receiving unit 5405 includes employee information, branch information of the employee, organizational information of the employee, personal customer group profitability information associated with the employee information, or PB customer group profitability information, Special customer group profitability information, age-based profitability information, regional profitability information, gender profitability information, occupational profitability information including at least one or more information consisting of individual customer group profitability calculation server (3705), PB customer group profitability calculation server (3710) Specialty customer profitability calculation server (3725), corporate customer group profitability calculation server (3720), age-specific profitability calculation server (3725), regional profitability calculation server (3730), gender profitability calculation server (3735), profitability calculation server by occupation Profitability information is received from the information extraction unit 5410 provided.

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 5410 may include the employee information received by the information receiving unit 5405, the employee's belonging branch information, the employee's belonging organization information, 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 5415.

According to the exemplary embodiment of the present invention, the information checking unit 5515 is associated with the employee information, the branch information of the employee, the organizational information of the employee, and the individual provided by the information extracting unit 5410. 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 5520.

The profitability calculation unit 5520 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, and the like provided by the information checking unit 5415. 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 5525.

According to the exemplary embodiment of the present invention, the profitability calculator 5520 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 checking unit 5415.

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 5520 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 5415.

In addition, the profitability calculation unit 5520 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 checking unit 5415.

In addition, the profitability calculation unit 5520 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 5415.

In addition, the profitability calculator 5520 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 checker 5415.

In addition, the profitability calculation unit 5520 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 5415.

In addition, the profitability calculator 5520 may calculate profitability in connection with the branch or organization information of the employee in the gender profitability information provided by the information checker 5415.

In addition, the profitability calculation unit 5520 may calculate profitability in connection with the branch or organization information of the employee in the profitability information for each job provided by the information checking unit 5415.

According to the exemplary embodiment of the present invention, the information storage unit 5525 stores the profitability information provided by the profitability calculation unit 5520 in a D / B provided in the integrated profitability calculation server 3700 or the profitability calculation unit ( 5420 is connected to a separate D / B server having a D / B for storing the profitability information provided by the communication network.

55 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.

More specifically, FIG. 55 shows the individual customer group profitability calculation server 3705 shown in FIG. 38, the PB customer group profitability calculation server 3710 shown in FIG. 40, and the special customer group profitability calculation server shown in FIG. 3725), the corporate customer group profitability calculation server 3720 shown in FIG. 44, the age-specific profitability calculation server 3725 shown in FIG. 46, the regional profitability calculation server 3730 shown in FIG. 48, and the gender shown in FIG. Profitability calculation server 3735 of the integrated profitability calculation server 3700 by taking profitability information from the D / B of the job-specific profitability calculation server shown in FIG. 52 and calculating profitability information for each branch or organization shown in FIG. Regarding the process of storing and registering in D / B, those of ordinary skill in the field to which the present invention pertains can refer to this drawing 55 to infer various implementation methods of the system for profitability calculation by branch or organization. As will be appreciated, the present invention is not limited to this drawing 55 and includes all implementation methods inferred from the above.

Hereinafter, in FIG. 55, the integrated profitability calculation server 3700 shown in FIG. 54 is referred to as "server" for convenience.

Referring to FIG. 55, the individual customer group profitability calculation server 3705, the PB customer group profitability calculation server 3710, the special customer group profitability calculation server 3725, or a corporate customer through a predetermined communication network in the server. The individual customer group for access to the group profit calculation server 3720, the age-specific profit calculation server 3725, the regional profit calculation server 3730, or the gender profit calculation server 3735, and the server calculating the profitability. Profitability calculation server 3705, or PB customer group profitability calculation server 3710, or special customer group profitability calculation server 3725, corporate customer group profitability calculation server 3720, or age-specific profitability calculation server 3725, or Requests to provide profitability information stored and registered in the D / B of each regional profitability calculation server 3730, gender profitability calculation server 3735, or occupational profitability calculation server, and correspondingly Individual customer group profitability calculation server 3705, or PB customer group profitability calculation server 3710, or special customer group profitability calculation server 3725, corporate customer group profitability calculation server 3720, or age-specific profitability calculation server 3725 ), Or the regional profitability calculation server 3730, the gender profitability calculation server 3735, or the occupational profitability calculation server provides profitability information of a D / B to the server (5500).

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 office or organization information of the employee is checked from the information provided from each server (5505).

If information about a point or an organization other than the point or organization being calculated is extracted 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 (5510).

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) (5515), and the calculated profitability information is stored and registered in the server D / B (5520).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

56 shows the configuration of the whole system for group integrated customer profitability evaluation according to the embodiment of the present invention.

More specifically, Figure 56 divides the unit for profitability into five units (bank, securities, trust, card, insurance) for calculating group integrated customer profitability, and calculates the profitability of employees in each group on each of the five servers. And, the system calculates the results from the five servers through the integrated customer profitability calculation server (9900) shows a system that can operate the profitability calculation results, if one of ordinary skill in the field of the present invention, Although various implementation methods for calculating group integrated customer profitability may be inferred with reference to FIG. 56, the present invention is not limited to this figure 56, and includes all implementation methods inferred.

Referring to Figure 56 according to the embodiment of the present invention, the overall system for group integrated customer profitability evaluation server integrated customer profitability calculation server (6500), securities integration customer profitability calculation server (7500), trust integration customer profitability calculation server ( 8500), the card integrated customer profit calculation server 9100, the insurance integrated customer profit calculation server 9700, and the bank system 5730 is characterized in that it comprises.

In addition, the bank integrated customer profit calculation server (6500) is the bank personal customer group profit calculation server (5700), bank PB customer group profit calculation server (5900), bank special customer group profit calculation server (6100), bank corporate customer group profitability The customer information and profitability information associated with the customer information are obtained from the calculation server 6300, and the profitability information is stored and registered.

In addition, the bank personal customer group profitability calculation server 5700 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 5730 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 5730 is connected to at least one or more window terminals provided in the branch (and / or branch) of the bank institution through a predetermined bank network (for example, our network), the window Provides a face-to-face banking service for at least one banking customer through the terminal.

Further, the banking system 5730 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 banking institution, and / or the banking 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 5730 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 / 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 5730 is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Banking non-face-to-face with at least one banking customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the bank system 5730 is connected to a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) At least one or more via at least one wireless terminal (e.g., a wireless terminal having a bank IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face banking service to banking customers.

In addition, the bank system 5730 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 5730 is associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, a digital TV and / or a refrigerator connected to a home network). Provide non-face-to-face banking services to at least one banking customer.

In addition, the bank system 5730 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) Provides non-face-to-face banking services to at least one banking customer through satellite DMB terminals, terrestrial DMB terminals, etc.).

Referring to FIG. 56, the bank system 5730 may be provided to a bank institution to open at least one bank account to at least one bank customer and provide at least one bank transaction service based on the bank account. A computer system comprising: an accounting system 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 banking system 5730 and at least one other banking system 5730 (and / or payment system), and / or at least one non-face-to-face banking means (e.g. Banking system in internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) System 5730, and / or an external system that provides a variety of banking interfaces through at least one common network (eg, CD common network, bank common network). 5730 includes an interface module corresponding to a middleware platform that provides inter-component interfacing within the banking system 5730, and predetermined functions required for performing respective functions in the components in the banking system 5730. 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 5730 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 5730 and the purpose of the banking system 5730. 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 5730, 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 5900 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 5730 to confirm the profitability of the PB customer group according to the customer information.

In addition, the bank special customer group profitability calculation server 6100 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 5730 to confirm the profitability of the special customer group according to the customer information.

In addition, the bank corporate customer group profitability calculation server 6300 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 5730 to confirm the profitability of the corporate customer group according to the customer information.

In addition, the securities integrated customer profit calculation server (7500) is the securities individual customer group profit calculation server (6700), securities PB customer group profit calculation server (6900), securities special customer group profit calculation server (7100), securities corporate customer group profitability Customer information and profitability information associated with the customer information are obtained from the calculation server 7300, and the profitability information is stored and registered.

In addition, the securities individual customer group profitability calculation server 6700 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 linked to the customer information, or one or more new securities derivatives information linked to the customer information are extracted from the securities system 6730, 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 for canceling 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 6730 is connected to at least one or more window terminals provided in the branch (and / or branch) of the securities institution through a predetermined securities network (eg, our network), the window It provides a face-to-face securities trading service for at least one or more securities trading customers through the terminal.

Further, the securities system 6730 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 6730 is associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (eg, wired Internet, and / or IEEE 802.11x-based At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provides 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 6730 is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. 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 6730 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 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 6730 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 securities trading service to at least one or more securities trading customers through a GSM terminal and / or a smart phone.

In addition, the securities system 6730 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). Etc.) provides non-face-to-face securities trading services to at least one securities trading customer.

In addition, the securities system 6730 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 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. 56, the securities system 6730 may be provided in a securities institution to open at least one securities account to at least one securities transaction customer, and 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 6730 and at least one other securities system 6730 (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 6730, and / or an external system that provides various securities trading interfaces through at least one or more common networks (e.g., CD and network). 6730 includes an interface module corresponding to a middleware platform that provides inter-component interfacing within the securities system 6730, and predetermined functions required for performing respective functions in the components in the securities system 6730. 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 securities system 6730 is intended by those skilled in the art and / or the types of securities institutions (eg, commercial securities, savings securities, trust securities) that the securities system 6730 is equipped with and the purpose of the securities system 6730. And according to the features, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment securities module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the securities system 6730, 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 6900 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 schedules associated with the customer information. PB according to the customer information by extracting transaction history information, one or more new securities product information linked to the customer information, or one or more new securities derivatives information linked to the customer information from the securities system 6730 It is preferable to check the profitability of the group.

In addition, the security special customer group profitability calculation server 7100 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 a period of time, 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 is extracted from the securities system 6730, 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 7300 may include customer information, one or more securities product information associated with the customer information, or one or more securities derivatives information associated with the customer information, and a schedule associated with the customer information. A company according to the customer information by extracting transaction history information, one or more new securities product information linked to the customer information, or one or more new securities derivatives information linked to the customer information from the securities system 6730 It is preferable to check the profitability of the group.

In addition, the investment integration customer profit calculation server (8500) is the investment personal customer group profit calculation server (7700), the investment PB customer group profit calculation server (7900), the investment special customer group profit calculation server (8100), the investment company customer group profitability Customer information and profitability information associated with the customer information are obtained from the calculation server 8300, and the profitability information is stored and registered.

In addition, the trust personal customer group profitability calculation server 7700 includes customer information, one or more fund product information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF type) associated with the customer information. Fund) or one or more new fund product information associated with the customer information is extracted from the investment system 7730 to check the profitability of the 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, it is preferable that the bond fund means a product that invests only in bonds.

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

In addition, the transmission system 7730 is 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 (for example, our network), the window Provides a face-to-face investment service for at least one customer through a terminal.

In addition, the transmission system 7730 may include at least one transmission terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or a branch) of the transmission organ, and / or the transmission organ and 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 7730 is associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (eg, wired Internet, and / or IEEE 802.11x-based At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN / Provides 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 7730 is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. 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 (7730) is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) At least one or more through at least one wireless terminal (e.g., a wireless terminal equipped with 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 7730 is connected to a predetermined telebanking server, and is connected to a predetermined wired voice call network (eg, a public switched telephone network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face trust transaction service to at least one trust transaction customer through a GSM terminal and / or a smartphone).

In addition, the transmission system 7730 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). Etc.) provides non-face-to-face trust trading services to at least one trust trading customer.

In addition, the transmission system (7730) 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 terminal, terrestrial DMB terminal, etc.) provides a non-face-to-face teleconferencing service to at least one telecom customer.

Referring to FIG. 56, the investment system 7730 is provided in a trust provider to open at least one trust account to at least one trust customer and provide at least one trust service based on the trust account. A computer system comprising: an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, a branch office information support, and a customer information management; Interconnection between the sending system 7730 and at least one other sending system 7730 (and / or payment system), and / or at least one non-face to face trading means (e.g., provided in at least one external communication network) Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) System 7730, and / or an external system that provides various communication transactions interfaces through at least one or more common networks (e.g., CD and network). The 7730 includes an interface module corresponding to a middleware platform for providing inter-component interfacing between the communication system 7730 and a predetermined function required for each function in a component in the communication system 7730. 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 7730 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 the transmission system 7730 and the transmission system 7730 is provided with the transmission system (7730). 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 familiar with the technical details of (7730), a detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

In addition, the investment PB customer group profitability calculation server 7900 may include customer information and one or more fund product information associated with the customer information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF type). Fund) or one or more new fund product information associated with the customer information is extracted from the investment system 7730 to check the profitability of the investment PB customer group according to the customer information.

In addition, the investment special customer group profitability calculation server 8100 may include customer information, one or more fund product information associated with the customer information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF type). Fund) or one or more new fund product information associated with the customer information is extracted from the investment system 7730 to check the profitability of the investment special customer group according to the customer information.

In addition, the investment corporate customer group profitability calculation server 8300 may include customer information, one or more fund product information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF type) associated with the customer information. Fund) or one or more new fund product information associated with the customer information is extracted from the investment system 7730, and a method of confirming the profitability of the investment company customer group according to the customer information is preferable.

In addition, the card integrated customer profitability calculation server 9100 obtains customer information and profitability information associated with the customer information from the card individual customer group profitability calculation server 8700 and the card corporate customer group profitability calculation server 8900 to provide profitability information. 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 8730 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 8730 is connected to at least one or more teller terminals provided at the branch (and / or branch) 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.

The card system 8730 may include at least one card terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the card institution, 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 8730 is associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (eg, wired Internet, and / or IEEE 802.11x-based At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provides a non-face-to-face card transaction service to at least one or more card transaction customers through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function.

In addition, the card system 8730 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 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 8730 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., 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 8730 is associated with a predetermined telebanking server, and is connected to a predetermined wired voice call network (eg, a public switched telephone network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face card transaction service to at least one or more card transaction customers through a GSM terminal and / or a smart phone.

In addition, the card system (8730) 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 card transaction service to at least one card transaction customer.

In addition, the card system (8730) 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 card transaction service to at least one card transaction customer.

Referring to FIG. 56, the card system 8730 is provided to a card institution to open at least one card account to at least one card transaction customer, and provide at least one card transaction service based on the card account. As a computer system, a card system that handles window services such as card issuance, card loans, and credit loans that occur at at least one branch (or counter), and a card system that processes headquarters operations, branch office information support, and customer information management. Interconnection between the card system 8730 and at least one other card system 8730 (and / or payment system), and / or at least one non-face-to-face card transaction means (e.g., provided in at least one external communication network) , Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) to the card system 8730. And an external system that provides access and / or various card transaction interfaces through at least one common network (eg, CD common network, card common network), and the card system 8730 includes An interface module corresponding to a middleware platform providing inter-component interfacing within the card system 8730, and predetermined information (e.g., ledger) required for each function in the components in the card system 8730 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).

Further, the card system 8730 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 the card system 8730 each card is provided with the card system (8730). At least one component such as an investment card module (not shown) or an international module (not shown) may be further included, and a person having ordinary knowledge in the technical field to which the present invention pertains may include the card system. Since it will be familiar with the technical details of the (8730), the detailed description thereof will be omitted for convenience, whereby 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 (8730), to the customer information Therefore, it is desirable to check the profitability of the card company group.

In addition, the insurance integrated customer profitability calculation server 9700 obtains profitability information associated with the customer information and profitability information associated with the customer information from the insurance individual customer group profitability calculation server 9300 and the insurance company customer group profitability calculation server 9500. 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 9330. 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 the implementation method of the present invention, the insurance system 9330 is connected to at least one or more teller terminal provided in the branch (and / or branch) of the insurance institution through a predetermined insurance network (eg, our 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 9330 may include at least one insurance terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or branch) of the insurance institution, and / or the insurance institution. At least one insurance terminal provided in at least one 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 9330 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x based) connected to the TCP / IP-based backbone network through the Internet banking server At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face insurance transaction service to at least one insurance customer through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the insurance system 9330 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. 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 (9330) is characterized in that it is linked to 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 9330 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 insurance transaction service to at least one insurance customer through a GSM terminal and / or a smartphone).

In addition, the insurance system (9330) is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network through a home banking server) Provide non-face to face insurance services to at least one insurance customer.

In addition, the insurance system 9930 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. 56, the insurance system 9330 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 the 9930 and at least one other insurance system 9330 (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 9330 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 9330 may include the insurance system. An interface module corresponding to a middleware platform that provides inter-component interfacing in the system 9330, and predetermined information (e.g., ledger information) required for each function in a component in the insurance system 9330 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 9330 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 in which the insurance system 9330 is provided, and the purpose and characteristics of the insurance system 9330. 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 ( 9330 will be familiar with the detailed technical matters, detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

In addition, the insurance company group profitability calculation server may store customer information, at least one guarantee insurance information associated with the customer information, at least one savings insurance information, or new coverage insurance information, or new savings insurance information from the insurance system (9330). By extracting, it is preferable to check the profitability of the insurance group according to the customer information.

In addition, the bank integrated customer profit calculation server (6500), bank personal customer group profit calculation server (5700), bank PB customer group profit calculation server (5900), bank special customer group profit calculation server (6100), bank corporate customer group profitability Calculation server 6300, securities integration customer profit calculation server (7500), securities individual customer group profit calculation server (6700), securities PB customer group profit calculation server (6900), securities special customer group profit calculation server (7100), securities Corporate customer group profitability calculation server (7300), Trusted integrated customer profitability calculation server (8500), Trusted individual customer group profitability calculation server (7700), Trusted PB customer group profitability calculation server (7900), Trusted special customer group profitability calculation server ( 8100), Trusted Corporate Customer Group Profitability Calculation Server (8300), Card Integrated Customer Profitability Calculation Server (9100), Card Individual Customer Group Profitability Calculation Server (8700), Card Corporate Customer Group Profitability Calculation Server (8900), Insurance Integration Customers The sex calculation server 9700, the insurance individual customer group profitability calculation server 9300, and the insurance corporate customer group profitability calculation server 9500 may be provided in the form of a server or a module in the financial system. It may be provided outside.

In addition, the bank integrated customer profit calculation server (6500), bank personal customer group profit calculation server (5700), bank PB customer group profit calculation server (5900), bank special customer group profit calculation server (6100), bank corporate customer group profitability Calculation server 6300, securities integration customer profit calculation server (7500), securities individual customer group profit calculation server (6700), securities PB customer group profit calculation server (6900), securities special customer group profit calculation server (7100), securities Corporate customer group profitability calculation server (7300), Trusted integrated customer profitability calculation server (8500), Trusted individual customer group profitability calculation server (7700), Trusted PB customer group profitability calculation server (7900), Trusted special customer group profitability calculation server ( 8100), Trusted Corporate Customer Group Profitability Calculation Server (8300), Card Integrated Customer Profitability Calculation Server (9100), Card Individual Customer Group Profitability Calculation Server (8700), Card Corporate Customer Group Profitability Calculation Server (8900), Insurance Integration Customers The sex calculation server 9700, the insurance individual customer group profitability calculation server 9300, and the insurance company customer group profitability calculation server 9500 are 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 connected to the external system of the financial system (bank system 5730, securities system 6730, investment system 7730, card system 8730, insurance system 9930) from the ledger D / B Information receiving unit (or information receiving means) for receiving information of the individual customer group receiving information, information receiving unit for receiving information of PB customer group, information receiving unit for receiving information of special customer group, receiving information of corporate customer group It is characterized by comprising at least one information receiving unit.

In addition, the integrated server is an information extraction unit (or information extraction means) for extracting information on the individual customer group of the information received from the information receiving unit, the information extraction unit for extracting the information for 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 comprising.

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

In more detail, Figure 57 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 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 5730, The internal configuration of the system for extracting the information corresponding to the customer group, checking the information on the individual customer group from the extracted information, and calculating the profitability for the individual customer is shown. As those skilled in the art to which the present invention pertains, various embodiments of the system for calculating profitability of individual customer groups may be inferred with reference to this drawing 57, but the present invention is limited to this drawing 57. 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 5730 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 in the 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 5730, it is preferable to check the profitability of the individual customer group according to the customer information, if the person having ordinary knowledge in the field to which the present invention belongs, with reference to this figure 57 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.) can be added. The factor for is not shown in the figure 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 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 Figure 57, the personal customer group profitability calculation server, an information receiving unit 5705 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the bank system 5730, the ledger An information extracting unit 5710 (or information extracting means) for extracting necessary information from the information received from the D / B, an information confirming unit 5715 (or information verifying means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 5720 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 5725 (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 banking system 5730, 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 5705 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 5710 by receiving ledger information from the ledger D / B in association with the external system of the bank system 5730.

Here, the ledger information preferably includes customer information, account information, non-account information, and transaction history information requested by the banking system 5730 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 5710 extracts information on the individual customer from the customer information received from the information receiving unit 5705 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 5805 or one or more non-account information associated with the customer information to the information verification unit 5715. Or extracts information about an individual customer from the customer information received from the information receiving unit 5705 and transaction history information for a predetermined period associated with the customer information, and provides the information to the information confirming unit 5715, Alternatively, the information about the individual customer is extracted from the customer information received from the information receiving unit 5705 and at least one new account information associated with the customer information. The information verification unit 5715 may be provided to the identification unit 5715 or may be extracted from the customer information received from the information receiving unit 5805 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 5715 may identify the individual customer from the information on the individual customer from the customer information extracted from the information extraction unit 5710 and one or more account information associated with the customer information. Providing to the profitability calculation unit 5720, or in the customer information extracted from the information extraction unit 5710, one or more non-account information associated with the customer information to identify the individual customer in the personal customer Profitability calculation unit 5720 or the customer information extracted from the information extraction unit 5710, the customer information from the information on the transaction history information for a certain period associated with the customer information to determine the profitability The customer information provided by the calculation unit 5720 or the one or more new account information associated with the customer information extracted by the information extraction unit 5710. Identify the customer and provide it to the profitability calculation unit 5720 or the customer information extracted from the information extraction unit 5710, the personal customer by identifying one or more new non-account information associated with the customer information The profitability calculation unit 5720 is provided.

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

The profitability calculation unit 5720 may be account profitability information for an individual customer, non-account profitability information for an individual customer, transaction profitability information for an individual customer, or an individual customer provided by the information verification unit 5715. 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 5725.

According to the method of the present invention, the profitability calculation unit 5720 includes at least one or more of the revenue from the savings account, the profit from the savings account, or the profit from the loan account in the 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 5720 may calculate profitability information such as revenue from foreign exchange products, revenue from derivative products, revenue from securities, or revenue from ancillary services, from non-account information for the 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 5720 includes at least one or more profitability information, such as revenue from the unpaid bank account transaction history, or the current or other remittance, or the loss of the bank account, or the loss of the card, etc. 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 5720 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 5720 may include at least the profits of foreign exchange products, the profits of derivative products, the profits of securities, the profits of ancillary services, etc. in the non-account information newly registered by the individual customer. It is desirable to calculate profitability information including one or more.

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

According to the method of the present invention, the information storage unit 5725 stores the profitability information provided by the profitability calculation unit 5720 in the D / B provided in the individual customer group profitability calculation server, or the profitability calculation unit 5720 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 5730 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 (for example, our network), the teller terminal Provide face-to-face banking services to at least one banking customer.

Further, the banking system 5730 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 banking institution, and / or the banking 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 5730 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 / 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 5730 is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Banking non-face-to-face with at least one banking customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the bank system 5730 is connected to a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) At least one or more via at least one wireless terminal (e.g., a wireless terminal having a bank IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face banking service to banking customers.

In addition, the bank system 5730 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 5730 is associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, a digital TV and / or a refrigerator connected to a home network). Provide non-face-to-face banking services to at least one banking customer.

In addition, the bank system 5730 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) Provides non-face-to-face banking services to at least one banking customer through satellite DMB terminals, terrestrial DMB terminals, etc.).

Referring to FIG. 56, the bank system 5730 may be provided to a bank institution to open at least one bank account to at least one bank customer and provide at least one bank transaction service based on the bank account. A computer system comprising: an accounting system 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 banking system 5730 and at least one other banking system 5730 (and / or payment system), and / or at least one non-face-to-face banking means (e.g. Banking system in internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) System 5730, and / or an external system that provides a variety of banking interfaces through at least one common network (eg, CD common network, bank common network). 5730 includes an interface module corresponding to a middleware platform that provides inter-component interfacing within the banking system 5730, and predetermined functions required for performing respective functions in the components in the banking system 5730. 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 5730 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 5730 and the purpose of the banking system 5730. 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 5730, 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 5730 has more information than the information shown in the ledger D / B of the banking system 5730, but only the information for calculating the individual customer group profitability .

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

In more detail, Fig. 58 takes the ledger information from the ledger D / B of the banking system 5730 shown in Fig. 57, and the five conditions of the individual customer group through the individual customer group profitability calculation server shown in Fig. 57. 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 the person has ordinary knowledge in the field to which the present invention belongs, the individual customer will be referred to this drawing 58. 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 58. The method includes the City.

Hereinafter, in Fig. 58, the individual customer group profitability calculation server shown in Fig. 57 is referred to as " server "

Referring to FIG. 58A, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (850a).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the banking system 5730 and registered account information associated with the customer information.

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

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

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the bank system 5730 (855a).

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. 58a, only the portion of the individual customer group is processed. (860a).

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (865a), and stores and registers the confirmed profitability information in the server D / B (870a).

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. 58B, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (850b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the bank system 5730 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 the information corresponding to the individual customer group from the ledger information provided from the bank system 5730 (855b).

If information about groups other than the individual 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. 58b, only the portion of the individual customer group is processed. 860b.

Thereafter, the server checks profitability information of the non-account corresponding to the individual customer group (865b), and stores and registers the checked profitability information in the server D / B (870b).

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. 58C, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide the ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (850c).

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 bank system 5730.

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

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

Thereafter, the server extracts the information corresponding to the individual customer group from the ledger information provided from the bank system 5730 (855c).

If information about groups other than the individual customer group is extracted from the account information, processing is performed by referring to other drawings shown in the present invention according to each group, and in FIG. 58c, only the part of the individual customer group is processed. (860c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the individual customer group (865c), and stores and registers the confirmed profitability information in the server D / B (870c).

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. 58D, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide the ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (850d).

Here, the ledger information preferably refers to new account information associated with customer information and customer information stored and registered in the ledger D / B of the banking system 5730.

In addition, the customer information preferably 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 5730 (855d).

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. 58d, only the portion of the individual customer group is processed. (860d).

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (865d), and stores and registers the confirmed profitability information in the server D / B (870d).

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. 58E, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (850e).

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 5730.

In addition, the customer information preferably 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 5730 (855e).

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. 58e, only the part of the individual customer group is processed. (860e).

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (865e), and stores and registers the confirmed profitability information in the server D / B (870e).

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.

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

In more detail, Figure 59 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 (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 5730, PB As the figure shows the internal configuration of the system for extracting the information corresponding to the customer group, confirming the information on the PB customer group from the extracted information, and calculating the profitability for the PB customer, Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of the PB customer group with reference to this figure 59, but the present invention is not limited to this figure 59, Include all inference methods.

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

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

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

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

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

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

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

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

According to an embodiment of the present invention, the profitability calculation system of the PB customer group includes profitability calculation for account products of the PB customer group, profitability calculation for non-account products, or profitability calculation for a predetermined period of transaction of the PB customer group. PB customer group profitability calculation server or branch of a financial institution to calculate profitability of a PB customer group that includes at least one or more profitability calculations for joining a new account product or a new non-account product of a PB customer group. A banking system 5730 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 in the It is characterized by.

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

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

The PB customer group profitability calculation server may include customer information, one or more account information or one or more non-account information associated with the customer information, transaction history information, new account information, or new non-account information for a predetermined period associated with the customer information. Is extracted from the bank system 5730, it is preferable to check the profitability of the PB customer group according to the customer information, if the person having ordinary knowledge in the field of the present invention, PB customer with reference to this figure 59 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, the employee wage, etc.) can be added. The factor for is not shown in the figure 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 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 59, the PB customer group profitability calculation server, an information receiving unit 5905 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the bank system 5730, the ledger An information extraction unit 5910 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 5915 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 5920 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 5625 (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 5730, and the ledger D / B includes customer information, account information, non-account information, and transaction history information necessary for calculating profitability for the PB customer group. It is preferable to comprise.

According to an embodiment of the present invention, the information receiving unit 5905 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 5910 by receiving ledger information from the ledger D / B in association with the external system of the bank system 5730.

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 5730 to calculate profitability for the PB customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 5910 extracts information on the PB customer from one or more account information associated with the customer information and the customer information received by the information receiving unit 5905 to confirm the information. The information about the PB customer may be extracted from the customer information received from the information receiving unit 5905 or one or more non-account information associated with the customer information to the information checking unit 5915. Or extract information about the PB customer from the customer information received from the information receiving unit 5905 and transaction history information for a predetermined period associated with the customer information, and provide the information to the information confirming unit 5915. Alternatively, the information confirmation unit 591 may be extracted by extracting information on the PB customer from the customer information received from the information receiving unit 5905 or one or more new account information associated with the customer information. 5) or extract the information about the PB customer from the customer information received from the information receiving unit (5905), or at least one new non-account information associated with the customer information to the information verification unit (5915). do.

According to the exemplary embodiment of the present invention, the information checking unit 5915 may identify the PB customer from the information on the PB customer from the customer information extracted from the information extracting unit 5910 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 5920 or the one or more non-account information associated with the customer information extracted by the information extraction unit 5910. The profitability of the PB customer by providing to the profitability calculation unit 5920 or the customer information extracted by the information extraction unit 5910 and information on transaction history information for a predetermined period associated with the customer information. The PB customer may be provided to the calculation unit 5920 or one or more new account information associated with the customer information extracted from the information extraction unit 5910 or the customer information. The profitability calculation unit may be provided to the profitability calculation unit 5920 or the PB customer may be identified from the customer information extracted from the information extraction unit 5910 or one or more new non-account information associated with the customer information. Provided by (5920).

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

The profitability calculation unit 5920 may provide account profitability information for the PB customer, non-account profitability information for the PB customer, transaction profitability information for the PB customer, or PB customer provided by the information confirmation unit 5915. 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 (5925).

According to the method of the present invention, the profitability calculation unit 5920 includes at least one or more of the revenue from the savings account, the profit from the savings account, or the profit from the loan account in the 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 5920 may calculate profitability information such as revenue from foreign currency products, revenue from derivatives, 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 5920 includes at least one or more profitability information, such as revenue from the unpaid bank account transaction history, or by the current or other remittances, or by the loss of the bank account, or by the loss of the card It is desirable to calculate profitability information.

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

In addition, the profitability calculation unit 5920 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 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 5920 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 of the PB customer. It is desirable to calculate profitability information including one or more.

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

According to the method of the present invention, the information storage unit 5925 stores the profitability information provided by the profitability calculation unit 5920 in the D / B provided in the PB customer group profit calculation server, or the profitability calculation unit 5920 It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in the).

According to an embodiment of the present invention, the banking system 5730 provides the ledger information to the PB customer group profitability calculation server in connection with the ledger D / B in the banking system 5730 in connection with the PB customer group profitability calculation server. It provides a function for, and detailed description of the internal configuration has been described with reference to Figure 57, it will be omitted.

In addition, the ledger information for the ledger D / B of the banking system 5730 has more information than the information shown in the ledger D / B of the banking system 5730 shown in Figure 59, but for calculating the profitability of the PB customer group Only information is shown.

60 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, including at least one information, new non-account profitability information for the PB customer.

In more detail, the drawing 60 obtains the ledger information from the ledger D / B of the banking system 5730 shown in the drawing 57, and the five conditions of the PB customer group through the PB customer group profitability calculation server shown in drawing 59. 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 figure 60, and includes all the implementation methods inferred from the above.

Hereinafter, in FIG. 60, the PB customer group profitability calculation server shown in FIG. 59 is referred to as "server" for convenience.

Referring to FIG. 60A, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6000a).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the banking system 5730 and registered account information associated with the customer information.

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

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

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the bank system 5730 (6005a).

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. 60A, only the portion of the PB customer group is processed. (6010a).

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (6015a), and stores and registers the checked profitability information in the server D / B (6020a).

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. 60B, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6000b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the bank system 5730 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 5730 (6005b).

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. 60B, only the portion of the PB customer group is processed. 6010b.

Thereafter, the server checks the profitability information of the non-account corresponding to the PB customer group (6015b), and stores and registers the checked profitability information in the server D / B (6020b).

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

Referring to FIG. 60C, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6000c).

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 bank system 5730.

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

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

Thereafter, the server extracts the information corresponding to the PB customer group from the ledger information provided from the bank system 5730 (6005c).

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. 60C, only the portion of the PB customer group is processed. (6010c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the PB customer group (6015c), and stores and registers the checked profitability information in the server D / B (6020c).

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. 60D, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6000d).

Here, the ledger information preferably refers to new account information associated with customer information and customer information stored and registered in the ledger D / B of the banking system 5730.

In addition, the customer information preferably 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 5730 (6005d).

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. 60D, only the part of the PB customer group is processed. (6010d).

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (6015d), and stores and registers the checked profitability information in the server D / B (6020d).

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. 60E, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6000e).

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 5730.

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

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

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

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

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

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

Thereafter, the server extracts the information corresponding to the PB customer group from the ledger information provided from the bank system 5730 (6005e).

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. 60E, only the portion of the PB customer group is processed. (6010e).

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (6015e), and stores and registers the checked profitability information in the server D / B (6020e).

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.

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

In more detail, Figure 61 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 the profitability of the special 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 5730, The internal configuration of the system for extracting the information corresponding to the customer group, checking the information on the special customer group from the extracted information, and calculating the profitability for the special customer is shown. As those skilled in the art to which the present invention pertains, various implementation methods of a system for calculating profitability of a special customer group may be inferred with reference to this drawing 61, but the present invention is limited to this drawing 61. 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 5730 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 in the 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 5730, it is preferable to check the profitability of the special customer group according to the customer information, and if you have a general knowledge in the field of the present invention, with reference to this figure 61 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 factor for is not shown in the figure 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 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. 61, the special customer group profitability calculation server includes an information receiver 6105 (or an information receiver) for receiving information from the ledger D / B in association with the external system of the bank system 5730, the ledger. An information extracting unit 6110 (or information extracting means) for extracting necessary information from the information received from the D / B, an information confirming unit 6115 (or information verifying means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 6120 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit (6125) (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 banking system 5730, and the ledger D / B includes customer information, account information, non-account information, and transaction history information necessary for calculating profitability for a special customer group. It is preferable to comprise.

According to an embodiment of the present invention, the information receiving unit 6105 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 6110 by receiving ledger information from the ledger D / B in association with the external system of the bank system 5730.

Here, the ledger information may include customer information, account information, non-account information, and transaction history information requested from the special customer group profitability calculation server to the banking system 5730 to calculate profitability for the special customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 6110 extracts information about a special customer from the customer information received from the information receiving unit 6105 and one or more account information associated with the customer information to check the information. The information about the special customer may be extracted from the customer information received from the information receiving unit 6105 or one or more non-account information associated with the customer information to the information checking unit 6115. Or extract information about a special customer from the customer information received from the information receiving unit 6105 and transaction history information for a predetermined period associated with the customer information, and provide the information to the information confirming unit 6115. Or extracting information on a special customer from the customer information received from the information receiving unit 6105 or one or more new account information associated with the customer information. The information confirmation unit 6115 may be provided to the identification unit 6115 or the information about the special customer may be extracted from the customer information received from the information receiving unit 6105 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 6115 may identify the special customer from the customer information extracted from the information extracting unit 6110 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 from the information extraction unit 6110 or provided to the profitability calculation unit 6120 Profitability calculation unit 6120 of the or the customer information extracted from the information extraction unit 6110, 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 one or more new account information associated with the customer information provided to the calculation unit 6120 or extracted from the information extraction unit 6110. The customer may be identified and provided to the profitability calculation unit 6120, 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 6110. The profitability calculation unit 6120 is provided.

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

The profitability calculation unit 6120 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 the special customer provided by the information checking unit 6115. 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 6125.

According to the method of the present invention, the profitability calculation unit 6120 may include at least one or more of the revenue from the savings account, the profit from the savings account, or the profit from the loan account in the account information for the special customer. It is desirable to calculate profitability information.

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

In addition, the profitability calculation unit 6120 may calculate profitability information such as profits from foreign exchange products, revenues from derivatives, 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 6120 may include at least one or more profitability information, such as revenue from the unpaid bank account transaction history, revenue from the current or other remittances, revenue from a bankbook loss, or revenue from a 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 6120 calculates profitability information by including at least one of a profit from a savings account, a profit from a savings account, or a profit from a loan account in the newly registered account information of the special customer. It is desirable to.

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

In addition, the profitability calculation unit 6120 may include at least one of profits from foreign exchange products, derivatives, or securities, or revenues from non-account information of 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 6225 stores the profitability information provided by the profitability calculation unit 6120 in a D / B provided in the special customer group profitability calculation server, or the profitability calculation unit 6120. It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in the).

According to an embodiment of the present invention, the banking system 5730 provides the ledger information to the special customer group profitability calculation server in association with the ledger D / B in the banking system 5730 in connection with the special customer group profitability calculation server. It provides a function for, and detailed description of the internal configuration has been described with reference to Figure 57, it will be omitted.

In addition, the ledger information for the ledger D / B of the banking system 5730 has more information than the information shown in the ledger D / B of the banking system 5730 shown in Figure 61, but for calculating the profitability of the special customer group Only information is shown.

62 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.

In more detail, Fig. 62 shows the ledger information from the ledger D / B of the banking system 5730 shown in Fig. 57 and the five conditions of the special customer group through the special customer group profitability calculation server shown in Fig. 61. Profitability information for (account profitability information for special customers, non-account profitability information for special customers, transaction profitability information for special customers, new account profitability information for special customers, and new non-account profitability information for special customers) And a process of storing and registering the calculated profitability information in the D / B of the special customer group profitability calculation server. If a person having ordinary knowledge in the field of the present invention belongs to the special customer with reference to FIG. Various implementation methods of the system for calculating the profitability of the group may be inferred, but the present invention is not limited to this figure 62. The method includes the City.

Hereinafter, in Figure 62, the special customer group profitability calculation server shown in Figure 61 is referred to as "server" for convenience.

Referring to FIG. 62A, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6200a).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the banking system 5730 and registered account information associated with the customer information.

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

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

Thereafter, the server extracts information corresponding to the special customer group from the ledger information provided from the bank system 5730 (6205a).

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. 62a, only the part of the special customer group is processed. (6210a).

Thereafter, the server checks the profitability information of the account corresponding to the special customer group (6215a), and stores and registers the checked profitability information in the server D / B (6220a).

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

Referring to FIG. 62b, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6200b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the bank system 5730 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 5730 (6205b).

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. 62b, only the part of the special customer group is processed. (6210b).

Thereafter, the server checks the profitability information of the non-account corresponding to the special customer group (6215b), and stores and registers the checked profitability information in the server D / B (6220b).

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

Referring to FIG. 62c, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6200c).

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 bank system 5730.

In addition, the customer information preferably 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 special customer group from the ledger information provided from the bank system 5730 (6205c).

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. 62c, only the part of the special customer group is processed. (6210c).

Thereafter, the server checks profitability information of transaction details corresponding to the special customer group (6215c), and stores and registers the confirmed profitability information in the server D / B (6220c).

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. 62D, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6200d).

Here, the ledger information preferably refers to new account information associated with customer information and customer information stored and registered in the ledger D / B of the banking system 5730.

In addition, the customer information preferably 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 5730 (6205d).

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. 62d, only the part of the special customer group is processed. (6210d).

Thereafter, the server checks the profitability information of the account corresponding to the special customer group (6215d), and stores and registers the confirmed profitability information in the server D / B (6220d).

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

Referring to FIG. 62E, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6200e).

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 5730.

In addition, the customer information preferably 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 5730 (6205e).

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. 62e, only the part of the special customer group is processed. (6210e).

Thereafter, the server checks the profitability information of the account corresponding to the special customer group (6215e), and stores and registers the checked profitability information in the server D / B (6220e).

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.

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

In more detail, FIG. 63 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 5730, It shows the internal structure of the system for extracting the information corresponding to the customer group, checking the information about the corporate customer group from the extracted information, and calculating the profitability for the corporate customer. As those skilled in the art to which the present invention pertains, various implementation methods of a system for calculating profitability of a corporate customer group may be inferred with reference to this drawing 63. However, the present invention is limited to this drawing 63. 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 5730 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 in the 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 5730, it is preferable to check the profitability of the corporate customer group according to the customer information, if the person having ordinary knowledge in the field to which the present invention belongs, with reference to this figure 63 Although various information for calculating the profitability of the corporate customer group, such as the cost of the employee in charge of the corporate customer (eg, employee wage, etc.) may be added to the method of confirming the profitability of the group, in FIG. The factor for is not shown in the figure 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 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. 63, the corporate customer group profitability calculation server includes an information receiver 6305 (or an information receiver) for receiving information from the ledger D / B in association with the external system of the bank system 5730, the ledger. An information extracting unit 6310 (or information extracting means) for extracting necessary information from the information received from the D / B, an information confirming unit 6315 (or information verifying means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 6320 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 6325 (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 5730, and the ledger D / B includes customer information, account information, non-account information, and transaction history information necessary for calculating profitability for the corporate customer group. It is preferable to comprise.

According to an embodiment of the present invention, the information receiving unit 6305 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 6310 by receiving ledger information from the ledger D / B in association with the external system of the bank system 5730.

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 5730 to calculate profitability for the corporate customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 6310 extracts information on an enterprise customer from one or more account information associated with the customer information and the customer information received by the information receiving unit 6305 to confirm the information. The information about the corporate customer may be extracted from the customer information received from the information receiving unit 6305 or one or more non-account information associated with the customer information to the information checking unit 6315. Or extract information about a corporate customer from the customer information received from the information receiving unit 6305 and transaction history information for a predetermined period associated with the customer information, and provide the extracted information to the information confirming unit 6315; Or extracting information on a corporate customer from the customer information received from the information receiving unit 6305 or one or more new account information associated with the customer information. The information confirmation unit 6315 may be extracted from the customer information received from the information receiving unit 6305 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 6315 checks the corporate customer from the information on the corporate customer from the customer information extracted from the information extracting unit 6310 and one or more account information associated with the customer information. Providing to the profitability calculation unit 6320, or in the customer information extracted from the information extraction unit 6310, 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 6320 of the or the customer information extracted from the information extraction unit 6310, the customer history in the information about 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 6320 or extracted from the information extraction unit 6310, one or more new account information associated with the customer information The business customer may be identified and provided to the profitability calculator 6320 or the customer information extracted by the information extraction unit 6310 or one or more new non-account information associated with the customer information. The profitability calculation unit 6320 is provided.

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

The profitability calculation unit 6320 may provide account profitability information for the corporate customer, non-account profitability information for the corporate customer, transaction profitability information for the corporate customer, or corporate customer provided by the information verification unit 6315. 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 6325.

According to the exemplary embodiment of the present invention, the profitability calculator 6320 may include at least one of a profit from a savings account, a profit from a savings account, or a profit from a loan account in account information for the corporate customer. It is desirable to calculate profitability information.

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

In addition, the profitability calculation unit 6320 may calculate profitability information such as revenue from foreign exchange products, revenue from derivative products, revenue from securities, or revenue from ancillary services, from non-account information for the 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 6320 may include at least one or more profitability information, such as revenue from the unpaid and withdrawal transaction history, revenue from the current or other remittances, or revenue from a lost bankbook, or revenue from a lost card. 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 calculator 6320 calculates profitability information by including at least one of profits from a savings account, a profit from a savings account, or a profit from a loan account in the newly registered account information of the corporate customer. It is desirable to.

Here, the new account profitability information for the new account information of the corporate customer is the potential interest income that can be borrowed and receive interest on the new savings account, or the potential operating income 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 6320 may generate at least one of profits from foreign exchange products, derivatives, or securities, or revenues from non-account information of 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 exemplary embodiment of the present invention, the information storage unit 6325 stores the profitability information provided by the profitability calculation unit 6320 in a D / B provided in the corporate customer group profitability calculation server, or the profitability calculation unit 6320. It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided in the).

According to an embodiment of the present invention, the banking system 5730 provides the ledger information to the corporate customer group profitability calculation server in association with the ledger D / B in the banking system 5730 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 57, it will be omitted.

In addition, the ledger information for the ledger D / B of the banking system 5730 has more information than the information shown in the ledger D / B of the banking system 5730 shown in Figure 63, but for calculating the corporate customer group profitability Only information is shown.

64 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.

In more detail, the drawing 64 obtains the ledger information from the ledger D / B of the bank system 5730 illustrated in FIG. 57, and the five conditions of the corporate customer group through the corporate customer group profitability calculation server shown in FIG. 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, and new non-account profitability information for corporate customers) And a process of storing and registering the calculated profitability information in the D / B of the corporate customer group profitability calculation server. If the user has general knowledge in the field to which the present invention belongs, the enterprise customer will be referred to with reference to FIG. Various implementation methods of the system for calculating profitability of the group may be inferred, but the present invention is not limited to the drawing 64, but all inferred The method includes the City.

Hereinafter, in Figure 64, the corporate customer group profitability calculation server shown in Figure 63 will be referred to as "server" for convenience.

Referring to FIG. 64A, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6400a).

Here, the ledger information preferably refers to customer information stored in the ledger D / B of the banking system 5730 and registered account information associated with the customer information.

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

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

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the bank system 5730 (6405a).

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. 64a, only the portion of the corporate customer group is processed. (6410a).

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (6415a), and stores and registers the confirmed profitability information in the server D / B (6420a).

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.

64B, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the bank system 5730 for calculating the profitability. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6400b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the bank system 5730 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 corporate customer group from the ledger information provided from the bank system 5730 (6405b).

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 this figure 64b, only the portion of the corporate customer group is processed. 6410b.

Thereafter, the server checks the profitability information of the non-account corresponding to the corporate customer group (6415b), and stores and registers the confirmed profitability information in the server D / B (6420b).

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. 64C, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6400c).

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 bank system 5730.

In addition, the customer information preferably 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 5730 (6405c).

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 this figure 64c, only the portion of the corporate customer group is processed. (6410c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the corporate customer group (6415c), and stores and registers the confirmed profitability information in the server D / B (6420c).

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. 64D, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6400d).

Here, the ledger information preferably refers to new account information associated with customer information and customer information stored and registered in the ledger D / B of the banking system 5730.

In addition, the customer information preferably 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 5730 (6405d).

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 this drawing 64d, only the portion of the corporate customer group is processed. (6410d).

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (6415d), and stores and registers the confirmed profitability information in the server D / B (6420d).

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. 64E, the server accesses the bank system 5730 through a predetermined communication network, requests the server to provide ledger information of the bank system 5730 ledger D / B for the profitability calculation. In response, the bank system 5730 provides the ledger information of the ledger D / B to the server (6400e).

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 5730.

In addition, the customer information preferably 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 5730 (6405e).

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 this figure 64e, only the portion of the corporate customer group is processed. (6410e).

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (6415e), and stores and registers the confirmed profitability information in the server D / B (6420e).

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.

65 shows a bank individual customer group profitability calculation server 5700, a bank PB customer group profitability calculation server, a bank special customer group profitability calculation server 6100, and a bank corporate customer group profitability calculation server 6300 according to an embodiment of the present invention. It shows a system configuration for storing validity and valid profitability information by receiving profitability information from.

In more detail, Figure 65 shows individual customer group, PB customer group, special customer group, corporate customer group customer information (e.g. social security number, customer name, etc.), profitability information associated with the customer information, bank individual customer group profitability calculation Server 5700, bank PB customer group profitability calculation server 5900, bank special customer group profitability calculation server 6100, bank corporate customer group profitability calculation server 6300, personal customer group profitability information, PB customer group The internal structure of the system for confirming the validity of the profitability information, the special customer group profitability information, the corporate customer group profitability information, and storing and registering the validated profitability information is shown. Those skilled in the art will be able to infer various implementation methods of the system for calculating bank integration profitability with reference to this figure 65, but the present invention Not limited to the figure 65, 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.

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

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

In addition, the non-account profitability information may include at least one or more handling fees for the foreign exchange product transactions, handling fees for derivatives, handling fees for securities, or handling fees for ancillary services.

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

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

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

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

In addition, the transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

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

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

According to an embodiment of the present invention, the bank integrated profitability calculation system comprises at least one of the profitability information of the individual customer group, the profitability information of the PB customer group, the profitability information of the special customer group, the profitability information of the corporate customer group Profitability information is provided to the bank integrated customer profitability calculation server (6500) by calculating profitability by linking the profitability information of the individual customer group with the banking system (5730) to calculate integrated profitability information. Bank PB customer group that provides profitability information to the bank integrated customer profit calculation server (6500) by calculating profitability by linking profitability information server (5700) and PB customer group profitability information with the banking system (5730). Profitability calculation server (5900) and profitability information of special customer groups by linking the banking system (5730) to calculate profitability Bank special customer group profitability calculation server (6100) that provides profitability information to customer profit calculation server (6500) and bank integrated customer profit calculation server by calculating profitability by linking profitability information of corporate customer group with bank system (5730) 6500) at least one financial transaction (eg, through a bank corporate customer group profitability calculation server 6300, which provides profitability information 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 in that it comprises a bank system (5730) for providing credit, receiving, currency exchange, foreign exchange transfer, financial investment, etc.) services.

The bank integrated customer profitability calculation server 6500 may include customer information, profitability information associated with the customer information, bank individual customer group profitability calculation server 5700, bank PB customer group profitability calculation server 5900, and bank special customer group profitability. It is preferable to receive the calculation server 6100 and the bank corporate customer group profitability calculation server 6300, and to check individual customer group profitability, PB customer group profitability, special customer group profitability, and corporate customer group profitability according to the customer information. For those of ordinary skill in the art to which the present invention pertains, bank integration such as the cost (eg, employee wage, etc.) for the employee in charge of the customer in the method of confirming the bank integration profitability with reference to this figure 65 Although various information for profitability calculation can be added, in FIG. 65, the factor of employee's cost is not used for profitability calculation. The.

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 bank integrated customer profitability calculation server 6500 includes a D / B server 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. 65, the bank integrated customer profitability calculation server 6500 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 5700, 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 5900, or the special customer group from the bank special customer group profitability calculation server 6100. 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 6300 Information receiving unit 6505 (or information receiving means) comprising at least one function for receiving, the bank personal customer group profitable Information checking unit 6510 which checks the information received from the server 5700, the bank PB customer group profitability calculation server 5900, the bank special customer group profitability calculation server 6100, the bank corporate customer group profitability calculation server 6300. (Or information confirmation means), and the information storage unit 6515 (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 6505 may include customer information, profitability information associated with the customer information, bank individual customer group profitability calculation server 5700, bank PB customer group profitability calculation server 5900, and bank special. The customer group profitability calculation server 6100 and the bank corporate customer group profitability calculation server 6300 are provided to the information verification unit 6510.

According to the exemplary embodiment of the present invention, the information confirming unit 6510 checks the individual customer group in the customer information received from the information receiving unit 6505 and the profitability information associated with the customer information. Or the PB customer group in the customer information received from the information receiving unit 6505, the profitability information associated with the customer information, and provide the PB customer group to the information storage unit 6515, or the information receiving unit The special customer group is identified from the customer information received at 6505 and the profitability information associated with the customer information, and provided to the information storage unit 6515 or the customer information received at the information receiving unit 6505. In addition, the corporate customer group is identified from the profitability information associated with the customer information and provided to the information storage unit 6515.

According to the exemplary embodiment of the present invention, the information storage unit 6515 may include 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 6505 in the bank integrated customer profitability calculation server ( 6500) 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 verification unit 6510. 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 5700 is provided with ledger information from the ledger D / B in the banking system 5730 in conjunction with the banking system to calculate the profitability of the individual customer group It provides a function, detailed description of the internal configuration has been described with reference to Figure 57, it will be omitted.

According to the embodiment of the present invention, the bank PB customer group profitability calculation server 5900 receives the ledger information from the ledger D / B in the banking system 5730 in connection with the banking system to calculate the profitability of the PB customer group. It provides a function, and detailed description of the internal configuration has been described with reference to Fig. 59, it will be omitted.

According to the implementation method of the present invention, the bank special customer group profitability calculation server 6100 receives the ledger information from the ledger D / B in the banking system 5730 in conjunction with the banking system to calculate the profitability of the special customer group It provides a function, and detailed description of the internal configuration has been described with reference to FIG.

According to the embodiment of the present invention, the bank corporate customer group profitability calculation server 6300 receives the ledger information from the ledger D / B in the banking system 5730 in connection with the banking system to calculate the profitability of the corporate customer group. It provides a function, and since the detailed description of the internal configuration has been described with reference to FIG.

According to an embodiment of the present invention, a banking system 5730 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 banking system 5730 ) 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. 57, it is omitted.

In addition, the ledger information for the ledger D / B of the banking system 5730 has more information than the information shown in the ledger D / B of the banking system 5730 shown in Figure 65, 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.

66 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. 66 shows individual customer group profitability information from D / B of the bank personal customer group profitability calculation server 5700 shown in FIG. 57, or bank PB customer group profitability calculation server 5900 shown in FIG. PB customer group profitability information from D / B, or special customer group profitability information from D / B of bank special customer group profitability calculation server 6100 shown in FIG. 61, or bank 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 profit calculation server 6300 through the bank integrated customer profitability calculation server 6500 shown in FIG. And a process of checking profitability information of a customer group and a corporate customer group) and storing and registering the identified information in a D / B of the bank integrated customer profitability calculation server 6500. 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 66. However, the present invention is not limited to this drawing 66, and all inferred implementation methods. It includes.

Hereinafter, in FIG. 66, the bank integrated customer profit calculation server 6500 shown in FIG. 65 is referred to as a "server" for convenience.

Referring to FIG. 66a, the server accesses the bank personal customer group profitability calculation server through a predetermined communication network and provides the server with customer information for profitability calculation and profitability information associated with customer information (6600a). .

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

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

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

In addition, the non-account profitability information may include at least one or more handling fees for the foreign exchange product transactions, handling fees for derivatives, handling fees for securities, or handling fees for ancillary services.

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

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

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

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

In addition, the transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

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

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

Thereafter, the server checks the information corresponding to the individual customer group from the profitability information provided from the bank personal customer group profitability calculation server 5700 (6605a).

If information about groups other than the individual customer group is extracted from the account information, the processing is performed by referring to other drawings shown in the present invention according to each group, and in FIG. 66a, only the part of the individual customer group is processed. (6610a).

Thereafter, the server stores and registers the profitability information of the identified individual customer group in the server D / B (6620a).

Referring to FIG. 66B, the server accesses the bank PB customer group profitability calculation server 5900 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (6600b).

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

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

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

In addition, the non-account profitability information may include at least one or more handling fees for the foreign exchange product transactions, handling fees for derivatives, handling fees for securities, or handling fees for ancillary services.

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

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

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

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

In addition, the transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

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

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

Thereafter, the server checks the information corresponding to the PB customer group from the profitability information provided from the bank PB customer group profitability calculation server 5900 (6605b).

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. 66b, only the part of the PB customer group is processed. (6610b).

Thereafter, the server stores and registers the profitability information of the identified PB customer group in the server D / B (6620b).

Referring to FIG. 66c, the server accesses the bank special customer group profitability calculation server 6100 through a predetermined communication network and provides the server with customer information for profitability calculation and profitability information associated with customer information. (6600c).

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

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

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

In addition, the non-account profitability information may include at least one or more handling fees for the foreign exchange product transactions, handling fees for derivatives, handling fees for securities, or handling fees for ancillary services.

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

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

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

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

In addition, the transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

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

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

Thereafter, the server checks the information corresponding to the special customer group from the profitability information provided from the bank special customer group profitability calculation server 6100 (6605c).

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. 66c, only the part of the special customer group is processed. (6610c).

Thereafter, the server stores and registers the profitability information of the identified special customer group in the server D / B (6620c).

Referring to FIG. 66D, the server accesses the bank corporate customer group profitability calculation server 6300 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (6600d).

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

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

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

In addition, the non-account profitability information may include at least one or more handling fees for the foreign exchange product transactions, handling fees for derivatives, handling fees for securities, or handling fees for ancillary services.

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

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

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

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

In addition, the transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

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

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

Thereafter, the server checks the information corresponding to the corporate customer group from the profitability information provided from the bank corporate customer group profitability calculation server 6300 (6605d).

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. 66d, only the portion of the corporate customer group is processed. (6610d).

Thereafter, the server stores and registers the profitability information of the identified corporate customer group in the server D / B (6620d).

67 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 67 shows customer information (e.g. social security number, customer name, etc.), one or more securities product information (e.g., securities savings, beneficiary certificates, tax benefits) Savings, Repurchase Agreements (RP), Commercial Paper (CP), Certificate of Deposit (CD), Wrap Account, Bond Fund, Mixed Fund, Box Fund (ETF) Traded Fund), 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 6730, extracting information corresponding to individual customer groups, and checking information on the individual customer groups from the extracted information. As the internal configuration of the present invention, those skilled in the art to which the present invention pertains, the present invention will be able to infer various implementation methods of the system for calculating the profitability of the individual customer group with reference to FIG. Is not limited to this figure 67 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 6730 for providing at least one financial transaction (e.g., buying / selling stocks, buying / selling futures options, etc.) through at least one face-to-face or non-face-to-face financial trading channel 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 6730. If a 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. 67 (eg, the employee Various information can be added to calculate the profitability of individual 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 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 Figure 67, the personal customer group profitability calculation server, an information receiving unit 6705 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the securities system 6730, the ledger An information extraction unit 6710 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 6715 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 6720 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 6725 (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 6730, 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 6705 may include customer information, one or more securities product information associated with the customer information, or one or more securities derivatives information associated with the customer information, and a schedule associated with the customer information. The information of the securities system 6730 may include at least one transaction history information, 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 6710.

Here, the ledger information preferably includes customer information, securities product information, securities derivatives information, and transaction history information requested by the securities system 6730 from the individual customer group profitability calculation server to calculate profitability for the individual customer group. Do.

According to the exemplary embodiment of the present invention, the information extractor 6710 extracts information on the individual customer from the customer information received from the information receiver 6705 and one or more securities product information associated with the customer information. The information confirmation unit 6715 may be provided to the identification unit 6715 or the information about the individual customer may be extracted from the customer information received from the information receiving unit 6705 or one or more securities derivatives information associated with the customer information. Or to extract the information about the individual customer from the customer information received from the information receiving unit 6705, transaction history information for a predetermined period associated with the customer information and provide it to the information checking unit 6715. Or, the information on the individual customer from the customer information received from the information receiving unit 6705, one or more new securities product information associated with the customer information Export information provided to the information checking unit 6715 or extracting information on the individual customer from the customer information received from the information receiving unit 6705 or one or more new securities derivatives information linked to the customer information. It provides to the information confirmation part 6715.

According to the exemplary embodiment of the present invention, the information checking unit 6715 checks the individual customer from the information on the individual customer from the customer information extracted from the information extracting unit 6710 and one or more securities product information associated with the customer information. The individual customer from the information on the individual customer in the profitability calculation unit 6720 or the one or more securities derivatives information associated with the customer information and the customer information extracted by the information extraction unit 6710 By providing to the profitability calculation unit 6720 or the customer information extracted by the information extraction unit 6710, the personal customer in the information about 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 6720 or extracted from the information extraction unit 6710. Identify the individual customer from the product information and provide it to the profitability calculation unit 6720 or the customer information extracted from the information extraction unit 6710, one or more new securities derivatives information linked to the customer information Check and provide to the profitability calculation unit 6720 above.

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

The profitability calculation unit 6720 may be the securities product profitability information for the individual customer provided by the information verification unit 6715, or the securities derivatives profitability information for the individual customer, or the transaction profitability information for the individual customer, or the 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 6725.

According to the implementation method of the present invention, the profitability calculation unit 6720 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 6720 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 6720 is characterized in that to calculate the 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 6720 is the profit of 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 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 6720 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 6725 stores the profitability information provided by the profitability calculation unit 6720 in the D / B provided in the individual customer group profitability calculation server, or the profitability calculation unit 6720 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 6730 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 (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.

Further, the securities system 6730 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 6730 is associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (eg, wired Internet, and / or IEEE 802.11x-based At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provides 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 6730 is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. 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 6730 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 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 6730 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 securities trading service to at least one or more securities trading customers through a GSM terminal and / or a smart phone.

In addition, the securities system 6730 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). Etc.) provides non-face-to-face securities trading services to at least one securities trading customer.

In addition, the securities system 6730 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 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. 56, the securities system 6730 may be provided in a securities institution to open at least one securities account to at least one securities transaction customer, and 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 6730 and at least one or more other securities systems 6730 (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.) And an external system that provides access to the volume system 6730 and / or provides various securities trading interfaces through at least one common network (eg, CD common network, securities common network). The system 6730 includes an interface module corresponding to a middleware platform that provides inter-component interfacing between the securities system 6730 and a predetermined number of functions required to perform respective functions in the components in the securities system 6730. 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 6730 is a foreign exchange module (not shown) according to the intention of the person skilled in the art and / or the type of each securities institution in which the securities system 6730 is provided and the purpose and characteristics of the securities system 6730. 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 ( 6730) will be familiar with the detailed technical matters, detailed description thereof will be omitted for convenience, whereby the present invention is not limited.

In addition, the ledger information for the ledger D / B of the securities system 6730 has more information than the information shown in the ledger D / B of the securities system 6730 shown in this figure, Only information is shown.

Figure 68 shows the securities product profitability information for the individual customer, the profitability information of the securities derivatives for the individual customer, the transaction profitability information for the individual customer, the new information for the individual customer according to the 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 68 obtains the ledger information from the ledger D / B of the securities system 6730 illustrated in FIG. 67, and the five conditions of the individual customer group through the individual customer group profitability calculation server shown in FIG. Profitability information of securities products for individual customers, profitability information of securities derivatives for individual customers, profitability information of transactions for individual customers, profitability information of new securities products for individual customers, and profitability information of new securities derivatives for individual customers. And a process of storing and registering the calculated profitability information in the D / B of the individual customer group profitability calculation server, and those skilled in the art to which the present invention belongs, 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 68 And all implementation methods inferred above.

Hereinafter, in Fig. 68, the individual customer group profitability calculation server shown in Fig. 67 is referred to as " server " for convenience.

Referring to FIG. 68a, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (6800a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the securities system 6730 and the 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) Accounts with clients such as bank accounts, bond accounts, bond funds, mixed funds, exchange traded funds (ETF), equity linked securites (ELS), money market funds and livelihood savings It is preferable to include at least one information about.

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the securities system 6730 (6805a).

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. 68a, only the portion of the individual customer group is processed. (6810a).

Thereafter, the server checks the profitability information of the securities product corresponding to the individual customer group (6815a), and stores and registers the confirmed profitability information in the server D / B (6820a).

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. 68b, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (6800b).

Here, the ledger information may refer to securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 6730.

In addition, the customer information preferably 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 securities system 6730 (6805b).

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. Process (6810b).

Thereafter, the server checks the profitability information of the securities derivatives corresponding to the individual customer group (6815b), and stores and registers the confirmed profitability information in the server D / B (6820b).

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. 68c, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (6800c).

Here, the ledger information preferably refers to transaction information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 6730.

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

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

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the securities system 6730 (6805c).

If information about 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. Process (6810c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the individual customer group (6815c), and stores and registers the confirmed profitability information in the server D / B (6820c).

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. 68D, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (6800d).

In this case, the ledger information may refer to customer information, which is stored and registered in the ledger D / B of the securities system 6730, 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 securities system 6730 (6805d).

If information on groups other than the individual customer group is extracted from the securities product information, the processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 68d, only the portion of the individual customer group is processed. (6810d).

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (6815d), and stores and registers the confirmed profitability information in the server D / B (6820d).

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. 68E, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (6800e).

Here, the ledger information preferably refers to new securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 6730.

In addition, the customer information preferably 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 securities system 6730 (6805e).

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. 68e, only the portion of the individual customer group is processed. (6810e).

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (6815e), and stores and registers the confirmed profitability information in the server D / B (6820e).

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.

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

In more detail, Figure 69 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 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 System for calculating profitability for PB customers by receiving securities derivatives information from securities system 6730, extracting information corresponding to PB customer groups, checking information on PB 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 69 will be able to infer various implementation methods of the system for calculating the profitability of the PB customer group, but the present invention Is not limited to this figure 69 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 6730 for providing at least one financial transaction (e.g., buying / selling stocks, buying / selling futures options, etc.) through at least one face-to-face or non-face-to-face financial trading channel. It features.

The PB customer group profitability calculation server may include customer information, one or more securities product information associated with the customer information, one or more securities derivatives information associated with the customer information, and transaction history information for a predetermined period associated with the customer information. Verifying the profitability of the PB customer group according to the customer information by extracting one or more new securities product information associated with the customer information or one or more new securities derivatives information associated with the customer information from the securities system 6730. If a 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 can be added to calculate the profitability of PB customer groups such as wages, etc. 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 FIG. 69, the PB customer group profitability calculation server includes an information receiver 6905 (or an information receiver) for receiving information from the ledger D / B in association with the external system of the securities system 6730. An information extracting unit 6910 (or information extracting means) for extracting necessary information from the information received from the D / B, an information confirming unit 6915 (or information confirming means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 6920 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 6725 (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 6730, and the ledger D / B includes customer information, securities product information, securities derivatives information, and transaction details necessary to calculate profitability for the PB customer group. It is preferable to include information.

According to the exemplary embodiment of the present invention, the information receiving unit 6905 may include customer information, one or more securities product information associated with the customer information, or one or more securities derivatives information associated with the customer information, and a schedule associated with the customer information. The information of the securities system 6730 may include at least one transaction history information, 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 6910.

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 6730 to calculate profitability for the PB customer group. Do.

According to the exemplary embodiment of the present invention, the information extracting unit 6910 extracts information on the PB customer from the customer information received from the information receiving unit 6905 and one or more securities product information associated with the customer information. The information confirmation unit 6915 extracts information on the PB customer from the customer information received from the information receiving unit 6905 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 6905 and transaction history information for a predetermined period associated with the customer information and provide the information to the information checking unit 6915. Or extracting information on the PB customer from the customer information received from the information receiving unit 6905 or one or more new security product information associated with the customer information. The information verification unit may extract information about a PB customer from the customer information received from the information receiving unit 6915 or the one or more new securities derivatives information associated with the customer information. Provided by (6915).

According to the exemplary embodiment of the present invention, the information confirming unit 6915 identifies the PB customer from the information on the PB customer in the customer information extracted from the information extracting unit 6910 and one or more securities product information associated with the customer information. The PB customer from the information on the PB customer in the one or more securities derivatives information associated with the customer information or the customer information extracted by the information extraction unit 6910 or the information extraction unit 6910 The PB customer from the information on the customer information extracted from the information extraction unit 6910 or the transaction history information for a predetermined period associated with the customer information. Providing to the profitability calculation unit 6920, or the customer information extracted from the information extraction unit 6910, one or more new securities product information associated with the customer information Identify the PB customer and provide it to the profitability calculation unit 6920, or check the PB customer from the customer information extracted from the information extraction unit 6910, one or more new securities derivatives information associated with the customer information The profitability calculation unit 6920 is provided.

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

The profitability calculation unit 6920 may be a securities product profitability information for the PB customer, or a securities derivatives profit information for the PB customer, or transaction profitability information for the PB customer, provided by the information confirmation unit 6915 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 6725.

According to the implementation method of the present invention, the profitability calculation unit 6920 is based on the securities product information for the PB customers, the profits from securities savings, the profits from beneficiary certificates, the profits from tax preferential savings, repurchase condition debts Revenue, Receipts from Commercial Papers, Receipts from Transferable Deposit Certificates, Revenues from Wrap Accounts, Revenues from Bond Funds, Revenues from Mixed Funds, Revenues from Box Funds, Shares from Stock-linked Securities, MMFs Profitability information is calculated by including at least one or more profits.

Herein, the securities product profitability information of the securities product information for the PB customers includes the profits from the deposit operation on securities savings, the handling fees by the beneficiary securities, the profits from the deposit operation on comprehensive tax savings, and the repurchase agreements. Handling 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 6920 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 6920 may 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 6920 may include the profits from securities savings, the profits from beneficiary certificates, the profits from tax preferential savings, the profits from redemption bonds, and corporate papers. Profitability, including at least one of profits from profits from negotiable deposits, profits from negotiable deposit certificates, profits from wrap accounts, revenues from bond funds, revenues from mixed funds, profits from box funds, profits from stock-linked securities, etc. It is desirable to calculate the information.

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

In addition, the profitability calculation unit 6920 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 the method of the present invention, the information storage unit 6725 stores the profitability information provided by the profitability calculation unit 6920 in the D / B provided in the PB customer group profitability calculation server, or the profitability calculation unit 6920 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 6730 provides the ledger information to the PB customer group profit calculation server in connection with the ledger D / B in the securities system 6730 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 67, it will be omitted.

In addition, the ledger information for the ledger D / B of the securities system 6730 has more information than the information shown in the ledger D / B of the securities system 6730 shown in Figure 69, but for calculating the profitability of the PB customer group Only information is shown.

Figure 70 shows the securities product profitability information for PB customers, the securities derivatives profit information 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 securities product profitability information and new securities derivatives profitability information for PB customers is shown.

In more detail, the drawing 70 obtains the ledger information from the ledger D / B of the securities system 6730 shown in FIG. 67 and the five conditions of the PB customer group through the PB customer group profitability calculation server shown in FIG. 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 the system for calculating profitability of the PB customer group may be inferred, the present invention is not limited to the drawing 70 and all implementations inferred above. It includes a method.

Hereinafter, in FIG. 70, the PB customer group profitability calculation server shown in FIG. 69 is referred to as "server" for convenience.

Referring to FIG. 70a, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7000a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the securities system 6730 and the 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) 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 6730 (7005a).

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. 70A, only the portion of the PB customer group is processed. 7010a.

Thereafter, the server checks the profitability information of the securities product corresponding to the PB customer group (7015a), and stores and registers the confirmed profitability information in the server D / B (7020a).

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. 70B, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7000b).

Here, the ledger information may refer to securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 6730.

In addition, the customer information preferably 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 securities system 6730 (7005b).

If information about groups other than the PB customer group is extracted from the securities derivatives information, processing is performed with reference to the other drawings shown in the present invention according to each group. Process 7010b.

Thereafter, the server checks the profitability information of the securities derivatives corresponding to the PB customer group (7015b), and stores and registers the confirmed profitability information in the server D / B (7020b).

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. 70c, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7000c).

Here, the ledger information preferably refers to transaction information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 6730.

In addition, the customer information preferably 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 6730 (7005c).

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 (7010c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the PB customer group (7015c), and stores and registers the confirmed profitability information in the server D / B (7020c).

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. 70D, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7000d).

In this case, the ledger information may refer to customer information, which is stored and registered in the ledger D / B of the securities system 6730, 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 securities system 6730 (7005d).

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. 70D, only the portion of the PB customer group is processed. (7010d).

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (7015d), and stores and registers the confirmed profitability information in the server D / B (7020d).

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.

Referring to FIG. 70e, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7000e).

Here, the ledger information preferably refers to new securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 6730.

In addition, the customer information preferably 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 securities system 6730 (7005e).

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. 7010e.

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (7015e), and stores and registers the checked profitability information in the server D / B (7020e).

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.

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

In more detail, Figure 71 shows customer information (eg, social security number, customer name, etc.), one or more securities product information (eg, securities savings, beneficiary certificates, tax treatment) for calculating profitability of the special customer group. Savings, Repurchase Agreements (RP), Commercial Paper (CP), Certificate of Deposit (CD), Wrap Account, Bond Fund, Mixed Fund, Box Fund (ETF) Traded Fund), Equity Linked Securites (ELS), Money Market Funds (MMF), etc., or one or more securities derivatives information (e.g., financial futures (e.g., currency futures, Interest rate futures, stock index futures, futures options, etc.) or transaction history information for a period of time associated with the customer information, or one or more new securities product information associated with the customer information, or one or more associated with the customer information. A system for calculating profitability for a special customer by receiving new securities derivatives information from the securities system 6730, extracting information corresponding to a special customer group, and checking information on the special 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, various embodiments of the system for calculating the profitability of the special customer group can be inferred with reference to this drawing 71, but the present invention. Is not limited to this figure 71 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 the implementation method of the present invention, the profitability calculation system of the special customer group includes the profitability calculation for the securities product of the special customer group, or the profitability calculation for the securities derivatives, or the profitability calculation for a certain period of transaction of the special customer group. Calculate profitability of special customer group to calculate profitability of special customer group, which includes at least one calculation of profitability from joining new securities product or new securities derivatives of special customer group, or branch (or branch) of financial institution And a securities system 6730 for providing at least one financial transaction (e.g., buying / selling stocks, buying / selling futures options, etc.) through at least one face-to-face or non-face-to-face financial trading channel. It features.

The special customer group profitability calculation server may include customer information, one or more securities product information associated with the customer information, one or more securities derivatives information associated with the customer information, and transaction history information for a predetermined period associated with the customer information. Verifying the profitability of the special customer group according to the customer information by extracting one or more new securities product information associated with the customer information or one or more new securities derivatives information associated with the customer information from the securities system 6730. 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 this drawing 71 (eg, the employee Various information may 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 Figure 71, the special customer group profitability calculation server, an information receiver 7105 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the securities system 6730, the ledger An information extracting unit 7110 (or information extracting means) for extracting necessary information from the information received from the D / B, an information confirming unit 7215 (or information verifying means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 7120 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 7225 (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 6730, 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 7105 may include customer information, one or more securities product information associated with the customer information, or one or more securities derivatives information associated with the customer information, and a schedule associated with the customer information. The information of the securities system 6730 may include at least one transaction history information, 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 7110.

Here, the ledger information preferably includes customer information, securities product information, securities derivatives information, and transaction history information requested from the special customer group profitability calculation server to the securities system 6730 to calculate profitability for the special customer group. Do.

According to the exemplary embodiment of the present invention, the information extracting unit 7110 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 7105 and the information. The information confirmation unit 7115 may be provided to the identification unit 7115 or the information about the special customer may be extracted from the customer information received from the information receiving unit 7105 or one or more securities derivatives information associated with the customer information. Or to extract the information about the special customer from the customer information received from the information receiving unit 7105, transaction history information for a predetermined period associated with the customer information and provide it to the information confirming unit 7115. Or, the information on the special customer from the customer information received from the information receiving unit 7105, at least one new securities product information associated with the customer information is added. Exports the information to the information checking unit 7115 or extracts information on a special customer from the customer information received from the information receiving unit 7105 or one or more new securities derivatives information linked to the customer information. It is provided to the information confirmation part 7215.

According to the exemplary embodiment of the present invention, the information checking unit 7115 may identify the special customer in the customer information extracted from the information extracting unit 7110 and information on the special customer in one or more securities product information associated with the customer information. The special customer from the information on the special customer in the one or more securities derivatives information linked to the customer information or the customer information extracted from the information extracting unit 7110 or provided to the profitability calculator 7120. By providing to the profitability calculation unit 7120, or by identifying the special customer from the information on the customer information, the transaction history information for a certain period associated with the customer information extracted by the information extraction unit 7110 At least one new increase associated with the customer information or the customer information provided to the profitability calculation unit 7120 or extracted from the information extraction unit 7110. Identify the special customer in the product information and provide it to the profitability calculation unit 7120, or the special customer in one or more new securities derivatives information linked to the customer information, the customer information extracted by the information extraction unit 7110 Check and provide to the profitability calculation unit 7120.

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

The profitability calculation unit 7120 may include the profitability information of the securities products for the special customers, the securities derivatives profit information of the special customers, or the transaction profitability information of the special customers, or the special customers provided by the information checking unit 7115. The special customer profitability is calculated by linking the profitability information of the new securities product for the special customer, or the profitability information of the special customer including at least one new securities derivatives profit information of the special customer. Information and profitability information for the special customer is provided to the information storage unit 7125.

According to the implementation method of the present invention, the profitability calculation unit 7120 is based on the securities product information for the special customer, the profits from securities savings, the profits from profitable 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 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 calculation unit 7120 is characterized in that to calculate the profitability information such as profits from financial futures from the securities derivatives information for the special customer.

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

In addition, the profitability calculation unit 7120 is characterized in that to calculate the 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 7120 is the profit of securities savings, profits from beneficiary certificates, profits from comprehensive tax savings, profits from redemption bonds, corporate papers Profitability, including at least one of profits from profits from negotiable deposits, profits from negotiable deposit certificates, profits from wrap accounts, revenues from bond funds, revenues from mixed funds, profits from box funds, profits from stock-linked securities, etc. It is desirable to calculate the information.

Herein, the 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.

In addition, the profitability calculation unit 7120 preferably calculates profitability information, including profits from financial futures, from the newly registered securities derivatives information of the special customer.

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

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

According to the method of the present invention, the information storage unit 7125 stores the profitability information provided by the profitability calculation unit 7120 in the D / B provided in the special customer group profit calculation server, or the profitability calculation unit 7120 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 6730 provides the ledger information to the special customer group profitability calculation server in connection with the ledger D / B in the securities system 6730 in connection with the special customer group profitability calculation server. It provides a function for, and detailed description of the internal configuration has been described with reference to Figure 67, it will be omitted.

In addition, the ledger information for the ledger D / B of the securities system 6730 has more information than the information shown in the ledger D / B of the securities system 6730 shown in Figure 71, Only information is shown.

Figure 72 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 special customers made by including at least one of the securities product profitability information, new securities derivatives profitability information for the special customer.

More specifically, Fig. 72 shows the ledger information from the ledger D / B of the securities system 6730 shown in Fig. 67 and the five conditions of the special customer group through the special customer group profitability calculation server shown in Fig. 71. 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. The process of calculating the profitability information for the storage and registering the calculated profitability information in the D / B of the special customer group profitability calculation server, and the person having ordinary knowledge in the field to which the present invention belongs, Although various implementation methods of the system for calculating profitability of the special customer group may be inferred, the present invention is not limited to the drawing 72. And all implementation methods inferred above.

Hereinafter, in FIG. 72, the special customer group profitability calculation server shown in FIG. 71 is referred to as "server" for convenience.

Referring to FIG. 72a, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7200a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the securities system 6730 and the 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) 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 securities system 6730 (7205a).

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. (7210a).

Thereafter, the server checks the securities product profitability information corresponding to the special customer group (7215a), and stores and registers the checked profitability information in the server D / B (7220a).

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.

Referring to FIG. 72b, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7200b).

Here, the ledger information may refer to securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 6730.

In addition, the customer information preferably 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 securities system 6730 (7205b).

If information on groups other than the special customer group is extracted from the securities derivatives information, processing is performed with reference to the other drawings shown in the present invention according to each group. Process 7210b.

Thereafter, the server checks the securities derivatives profitability information corresponding to the special customer group (7215b), and stores and registers the checked profitability information in the server D / B (7220b).

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

Referring to FIG. 72c, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7200c).

Here, the ledger information preferably refers to transaction information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 6730.

In addition, the customer information preferably 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 securities system 6730 (7205c).

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, and in FIG. Process (7210c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the special customer group (7215c), and stores and registers the checked profitability information in the server D / B (7220c).

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. 72d, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7200d).

In this case, the ledger information may refer to customer information, which is stored and registered in the ledger D / B of the securities system 6730, 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 securities system 6730 (7205d).

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. (7210d).

Thereafter, the server checks the profitability information of the account corresponding to the special customer group (7215d), and stores and registers the checked profitability information in the server D / B (7220d).

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

Referring to FIG. 72e, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7200e).

Here, the ledger information preferably refers to new securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 6730.

In addition, the customer information preferably 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 securities system 6730 (7205e).

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. (7210e).

Thereafter, the server checks the profitability information of the account corresponding to the special customer group (7215e), and stores and registers the checked profitability information in the server D / B (7220e).

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.

73 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 73 shows customer information (e.g., social security number, customer name, etc.), one or more securities product information (e.g., securities savings, beneficiary certificates, tax benefits) Savings, Repurchase Agreements (RP), Commercial Paper (CP), Certificate of Deposit (CD), Wrap Account, Bond Fund, Mixed Fund, Box Fund (ETF) Traded Fund), 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 6730, extracting information corresponding to a corporate customer group, and confirming information on the corporate customer group from the extracted information. As shown in the internal configuration of the present invention, those skilled in the art to which the present invention belongs, with reference to this figure 73 will be able to infer various implementation methods of the system for calculating the profitability of the corporate customer group, the present invention Is not limited to this drawing 73 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 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 6730 for providing at least one financial transaction (e.g., buying / selling stocks, buying / selling futures options, etc.) through at least one face-to-face or non-face-to-face financial trading channel. 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 associated with the customer information or one or more new securities derivatives information associated with the customer information from the securities system 6730. If a person having ordinary knowledge in the field to which the present invention pertains, the cost for the employee in charge of the enterprise customer (for example, 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. 73, the corporate customer group profitability calculation server includes an information receiver 7305 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the securities system 6730. An information extracting unit 7310 (or information extracting means) for extracting necessary information from the information received from the D / B, an information confirming unit 7315 (or information verifying means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 7320 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 7325 (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 6730, 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 7305 may include customer information, one or more securities product information associated with the customer information, or one or more securities derivatives information associated with the customer information, and a schedule associated with the customer information. The information of the securities system 6730 may include at least one transaction history information, 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 7310.

Here, the ledger information preferably includes customer information, securities product information, securities derivatives information, and transaction history information requested by the securities system 6730 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 7310 extracts information on an enterprise customer from the customer information received from the information receiving unit 7305 and one or more securities product information associated with the customer information. The information confirmation unit 7315 is provided to the identification unit 7315 or the information about the corporate customer is extracted from the customer information received from the information receiving unit 7305 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 7305 and transaction history information for a predetermined period associated with the customer information and provide the extracted information to the information checking unit 7315. Or, the information on the corporate customer from the customer information received from the information receiving unit 7305, one or more new securities product information associated with the customer information Export information provided to the information checking unit 7315 or extracting information on a corporate customer from the customer information received from the information receiving unit 7305 or one or more new securities derivatives information associated with the customer information. Provided to the information confirmation unit 7315.

According to the exemplary embodiment of the present invention, the information checking unit 7315 checks the corporate customer from the information on the corporate customer from the customer information extracted from the information extracting unit 7310 and one or more securities product information associated with the customer information. Providing to the profitability calculation unit 7320 or the customer information extracted from the information extraction unit 7310, the corporate customer from the information on the corporate customer in the one or more securities derivatives information associated with the customer information The corporate customer from the information on the customer information extracted from the information extracting unit 7310 or 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 7320 or extracted from the information extraction unit 7310. The corporate customer is identified from the product information and provided to the profitability calculation unit 7320 or the customer information extracted from the information extraction unit 7310 or at least one new securities derivatives information linked to the customer information. Check and provide to the profitability calculation unit 7320 above.

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

The profitability calculation unit 7320 may be a securities product profitability information for a corporate customer, or a securities derivatives profit information for a corporate customer, or a transaction profitability information for a corporate customer provided by the information verification unit 7315 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 7325.

According to the implementation method of the present invention, the profitability calculation unit 7320 is based on the securities product information for the corporate customer, the profits from securities savings, the profits from beneficiary certificates, the tax preferential savings 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, 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 7320 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 calculator 7320 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 7320 may be based on the newly registered securities product information of the corporate customer, the profits from securities savings, the profits from beneficiary certificates, the profits from tax preferential savings, the profits from repurchase conditions, 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.

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 7320 may calculate profitability information, including profits from financial futures, from the new securities derivatives information of 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 the method of the present invention, the information storage unit 7325 stores the profitability information provided by the profitability calculation unit 7320 in the D / B provided in the corporate customer group profitability calculation server, or the profitability calculation unit 7320 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 6730 provides the ledger information to the corporate customer group profitability calculation server in connection with the ledger D / B in the securities system 6730 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 67, it will be omitted.

In addition, the ledger information for the ledger D / B of the securities system 6730 has more information than the information shown in the ledger D / B of the securities system 6730 shown in Figure 73, Only information is shown.

Figure 74 shows the securities product profitability information for the enterprise customer, the securities derivatives profit information for the enterprise customer, the transaction profitability information for the enterprise customer, the new profit for the enterprise customer according to the implementation method of the present invention It shows the operation flow of the system for calculating the profitability of the corporate customer made by including at least one or more of the securities product profitability information, new securities derivatives profitability information for the corporate customer.

In more detail, the drawing 74 obtains the ledger information from the ledger D / B of the securities system 6730 illustrated in FIG. 67, and the five conditions of the corporate customer group through the corporate customer group profitability calculation server shown in FIG. 73. 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. 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 74 And all implementation methods inferred above.

Hereinafter, in Figure 74, the corporate customer group profitability calculation server shown in Figure 73 is referred to as "server" for convenience.

Referring to FIG. 74A, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7400a).

Here, the ledger information preferably refers to customer information stored and registered in the ledger D / B of the securities system 6730 and the 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) Accounts with clients such as bank accounts, bond accounts, bond funds, mixed funds, exchange traded funds (ETF), equity linked securites (ELS), money market funds and livelihood savings It is preferable to include at least one information about.

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the securities system 6730 (7405a).

If information on groups other than the corporate customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in this figure 74a, only the portion of the corporate customer group is processed. (7410a).

Thereafter, the server checks the profitability information of the securities product corresponding to the corporate customer group (7415a), and stores and registers the confirmed profitability information in the server D / B (7420a).

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. 74B, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7400b).

Here, the ledger information may refer to securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 6730.

In addition, the customer information preferably 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 6730 (7405b).

If information on groups other than the corporate customer group is extracted from the securities derivatives information, processing is performed with reference to the other drawings shown in the present invention according to each group. Process (7410b).

Thereafter, the server checks the profitability information of the securities derivatives corresponding to the corporate customer group (7415b), and stores and registers the confirmed profitability information in the server D / B (7420b).

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. 74C, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7400c).

Here, the ledger information preferably refers to transaction information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 6730.

In addition, the customer information preferably 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 6730 (7405c).

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 (7410c).

Thereafter, the server checks the profitability information of the transaction history corresponding to the corporate customer group (7415c), and stores and registers the checked profitability information in the server D / B (7420c).

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. 74D, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7400d).

In this case, the ledger information may refer to customer information, which is stored and registered in the ledger D / B of the securities system 6730, 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 corporate customer group from the ledger information provided from the securities system 6730 (7405d).

If information about groups other than the corporate customer group is extracted from the securities product information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in this drawing 74d, only the portion of the corporate customer group is processed. (7410d).

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (7415d), and stores and registers the confirmed profitability information in the server D / B (7420d).

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

Referring to FIG. 74E, the server accesses the securities system 6730 through a predetermined communication network, requests the server to provide the ledger information of the securities system 6730 ledger D / B for the profitability calculation. In response, the security system 6730 provides the ledger information of the ledger D / B to the server (7400e).

Here, the ledger information preferably refers to new securities derivatives information associated with customer information and customer information stored and registered in the ledger D / B of the securities system 6730.

In addition, the customer information preferably 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 6730 (7405e).

If information about groups other than the corporate customer group is extracted from the securities product information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in this drawing 74e, only the portion of the corporate customer group is processed. (7410e)

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (7415e), and stores and registers the checked profitability information in the server D / B (7420e).

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.

Figure 75 shows the securities individual customer group profitability calculation server (6700), securities PB customer group profitability calculation server, securities special customer group profitability calculation server (7100), securities corporate customer group profitability calculation server (7300) according to the embodiment of the present invention It shows a system configuration for storing validity and valid profitability information by receiving profitability information from.

In more detail, Figure 75 shows 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. Server (6700), securities PB customer group profitability calculation server (6900), securities special customer group profitability calculation server (7100), securities corporate customer group profitability calculation server (7300), 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 75, but the present invention Not limited to the figure 75, 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 specific point in time or at a future price at a predetermined price (strike price). It is preferable to mean a put option to which an option and a selling right are granted.

In addition, the transaction history profitability information preferably comprises at least one or more handling fees by securities transactions through the call center, handling fees by securities transactions via the Internet.

In addition, the profitability information of the new securities products includes potential operating income from securities savings deposits, potential commission income from beneficiary certificates, potential operating income from comprehensive tax savings, potential commission income from repurchase agreements, and potential commercial bills. Commission income, potential commission revenue from negotiable deposit certificates, potential commission revenue from wrap accounts, potential commission revenue from bond funds, potential commission revenue from hybrid funds, potential commission revenue from box funds, and equity-linked securities It is preferable to include at least one or more potential commission income.

In addition, the profitability information of the new securities derivatives preferably includes at least one fee income from the currency futures, fee income from interest rate futures, fee income from stock index futures, fee income from futures options, and the like. .

According to the implementation method of the present invention, the securities integrated profitability calculation system comprises at least one of the profitability information of the individual customer group, the profitability information of the PB customer group, the profitability information of the special customer group, the profitability information of the corporate customer group Securities integrated customer profit calculation server (7500) to calculate integrated profitability information, profitability information is provided to the securities integrated customer profit calculation server (7500) by calculating profitability by linking profitability information of individual customer groups with the securities system (6730). Securities PB customer group that provides profitability information to the securities integrated customer profitability calculation server (7500) by calculating profitability by linking the profitability information server (6700) and PB customer group profitability information with the securities system (6730). Profitability calculation server (6900) and profitability information of special customer groups in connection with the securities system (6730) to calculate the profitability Securities special customer group profitability calculation server (7100) that provides profitability information to customer profit calculation server (7500), securities integration customer profit calculation server by calculating profitability by linking profitability information of corporate customer group with securities system (6730) 7500), at least one financial transaction (eg, through a face-to-face or non-face-to-face financial transaction channel provided in a branch of a securities corporate customer group profitability calculation server 7300 or a branch of a financial institution) It is characterized in that it comprises a security system (6730) for providing credit, receiving, currency exchange, foreign exchange remittance, financial investment, etc.) services.

The securities integrated customer profitability calculation server 7500 includes customer information, profitability information associated with the customer information, securities individual customer group profitability calculation server 6700, securities PB customer group profitability calculation server 6900, securities special customer group profitability It is preferable to receive the calculation server 7100 and the securities corporate customer group profitability calculation server 7300 to check individual customer group profitability, PB customer group profitability, special customer group profitability, and corporate customer group profitability according to the customer information. And, if you have a general knowledge in the field of the present invention, the securities integration, such as the cost (e.g., employee wages) for the staff in charge of the customer in the method of confirming the profitability of securities integration with reference to this figure 75 Although various information for profitability calculation may be added, in FIG. 75, the factor of employee's cost is not used for profitability calculation. The.

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 7500 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. 75, the securities integrated customer profit calculation server 7500 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 6700. Or receiving the customer information of the PB customer group, the PB customer group profitability information associated with the customer information from the security PB customer group profitability calculation server 6900, or the special customer group from the security special customer group profitability calculation server 7100. 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 7300 Information receiving unit 7505 (or information receiving means) comprising at least one function for receiving, the securities individual customer group profitable Information checking unit 7510 for checking the information received from the server (6700), securities PB customer group profitability calculation server (6900), securities special customer group profitability calculation server (7100), securities corporate customer group profitability calculation server (7300) (Or information confirmation means), an information storage unit 7515 (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 7505 may include customer information, profitability information associated with the customer information, a securities individual customer group profit calculation server 6700, a securities PB customer group profit calculation server 6900, and securities special. The customer group profitability calculation server 7100 and the securities corporate customer group profitability calculation server 7300 are provided to the information verification unit 7510.

According to the exemplary embodiment of the present invention, the information checking unit 7510 checks the individual customer group in the customer information received from the information receiving unit 7505 and the profitability information associated with the customer information, and the information storage unit 7515. Or the PB customer group in the customer information received from the information receiving unit 7505, the profitability information associated with the customer information, and provide the PB customer group to the information storage unit 7515, or the information receiving unit The special customer group is identified from the customer information received at 7505 and the profitability information associated with the customer information and provided to the information storage unit 7515 or the customer information received at the information receiving unit 7505. In addition, the corporate customer group is identified from the profitability information associated with the customer information and provided to the information storage unit 7515.

According to an exemplary embodiment of the present invention, the information storage unit 7515 may include profitability information of the individual customer group, the PB customer group, the special customer group, and the corporate customer group provided by the information receiver 7505. 7500) or a separate D / B for storing profitability information of the individual customer group, the PB customer group, the special customer group, or the corporate customer group provided by the information checking unit 7510. 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 6700 is provided with ledger information from the ledger D / B in the securities system 6730 in conjunction with the securities system to calculate the profitability of the individual customer group It provides a function, and the detailed description of the internal configuration has been described with reference to Figure 67, it will be omitted.

According to an embodiment of the present invention, the PB customer group profitability calculation server 6900 receives the ledger information from the ledger D / B in the securities system 6730 in connection with the securities system to calculate the profitability of the PB customer group. It provides a function, detailed description of the internal configuration has been described with reference to Figure 69, it will be omitted.

According to the implementation method of the present invention, the securities special customer group profitability calculation server 7100 receives the ledger information from the ledger D / B in the securities system 6730 in connection with the securities system to calculate the profitability of the special customer groups. It provides a function, and 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 7300 calculates the profitability of the corporate customer group by receiving ledger information from the ledger D / B in the securities system 6730 in connection with the securities system. It provides a function, and the detailed description of the internal configuration has been described with reference to Figure 73, it is omitted.

According to the embodiment of the present invention, the securities system 6730 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 banking system 5730 ) 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. 67, it is omitted.

In addition, the ledger information for the ledger D / B of the securities system 6730 has more information than the information shown in the ledger D / B of the securities system 6730 shown in Figure 75, 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.

76 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 embodiment of the present invention.

More specifically, FIG. 76 shows the individual customer group profitability information from the D / B of the securities individual customer group profitability calculation server 6700 shown in FIG. 57, or the securities PB customer group profitability calculation server 6900 shown in FIG. PB customer group profitability information from D / B), or special customer group profitability information from D / B of the stock special customer group profitability calculation server 7100 shown in FIG. 61, 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 7300, and the four groups (individual customer group, PB customer group, special group) are obtained through the stock integrated customer profitability calculation server 7500 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 7500, the field to which the present invention belongs Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of securities integration with reference to the drawing 76, but the present invention is not limited to the drawing 76, all the inference method It includes.

Hereinafter, in FIG. 76, the security integrated customer profit calculation server 7500 shown in FIG. 75 is referred to as a "server" for convenience.

Referring to FIG. 76A, the server connects to 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 (7600a). .

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

In addition, the profitability information may include at least one or more securities product profitability information, securities derivatives profitability information, transaction history profitability information, new securities product profitability information, new securities derivatives profitability information.

In addition, the profitability information of the securities product is interest income of borrowing and depositing the deposits on the savings securities products, or profits from the deposit operation of the savings securities products, or interest income of receiving deposits and interest on the savings securities products. Or, at least one or more of the proceeds from the savings management of the savings securities product, or the loan interest income for the loan securities product.

In addition, the securities derivatives profitability information is preferably made of at least one handling fee for the foreign exchange transaction, or handling fees for derivatives, handling fees for securities, or handling fees for ancillary services. .

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

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

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

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

In addition, the transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

Herein, the profitability information of the new securities product is related to the potential interest income that can be borrowed and receive interest on the new savings securities product, or the potential operating income by deposit operation of the new savings securities product, or the new red securities product. It is preferable to include at least one or more potential interest income to borrow and deposit interest, or potential operating income from the savings management of the new deposit securities product, or potential loan interest income on the new loan securities product.

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

Thereafter, the server checks the information corresponding to the individual customer group from the profitability information provided from the securities individual customer group profitability calculation server 6700 (7605a).

If information about groups other than the individual customer group is extracted from the securities product information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in this drawing 76a, only the portion of the individual customer group is processed. (7610a).

Thereafter, the server stores and registers the profitability information of the identified individual customer group in the server D / B (7615a).

Referring to FIG. 76B, the server accesses the security PB customer group profit calculation server 6900 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (7600b).

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

In addition, the profitability information may include at least one or more securities product profitability information, securities derivatives profitability information, transaction history profitability information, new securities product profitability information, new securities derivatives profitability information.

In addition, the profitability information of the securities product is interest income of borrowing and depositing the deposits on the savings securities products, or profits from the deposit operation of the savings securities products, or interest income of receiving deposits and interest on the savings securities products. Or, at least one or more of the proceeds from the savings management of the savings securities product, or the loan interest income for the loan securities product.

In addition, the securities derivatives profitability information is preferably made of at least one handling fee for the foreign exchange transaction, or handling fees for derivatives, handling fees for securities, or handling fees for ancillary services. .

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

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

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

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

In addition, the transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

Herein, the profitability information of the new securities product is related to the potential interest income that can be borrowed and receive interest on the new savings securities product, or the potential operating income by deposit operation of the new savings securities product, or the new red securities product. It is preferable to include at least one or more potential interest income to borrow and deposit interest, or potential operating income from the savings management of the new deposit securities product, or potential loan interest income on the new loan securities product.

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

Thereafter, the server checks information corresponding to the PB customer group from the profitability information provided from the security PB customer group profitability calculation server 6900 (7605b).

If information about groups other than the PB customer group is extracted from the securities product information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in this drawing 76b, only the portion of the PB customer group is processed. (7610b).

Thereafter, the server stores and registers the profitability information of the identified PB customer group in the server D / B (7615b).

Referring to FIG. 76C, the server accesses the stock special customer group profitability calculation server 7100 through a predetermined communication network and provides the server with customer information for profitability calculation and profitability information associated with customer information. (7600c).

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

In addition, the profitability information may include at least one or more securities product profitability information, securities derivatives profitability information, transaction history profitability information, new securities product profitability information, new securities derivatives profitability information.

In addition, the profitability information of the securities product is interest income of borrowing and depositing the deposits on the savings securities products, or profits from the deposit operation of the savings securities products, or interest income of receiving deposits and interest on the savings securities products. Or, at least one or more of the proceeds from the savings management of the savings securities product, or the loan interest income for the loan securities product.

In addition, the securities derivatives profitability information is preferably made of at least one handling fee for the foreign exchange transaction, or handling fees for derivatives, handling fees for securities, or handling fees for ancillary services. .

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

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

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

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

In addition, the transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

Herein, the profitability information of the new securities product is related to the potential interest income that can be borrowed and receive interest on the new savings securities product, or the potential operating income by deposit operation of the new savings securities product, or the new red securities product. It is preferable to include at least one or more potential interest income to borrow and deposit interest, or potential operating income from the savings management of the new deposit securities product, or potential loan interest income on the new loan securities product.

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

Thereafter, the server checks the information corresponding to the special customer group from the profitability information provided from the security special customer group profitability calculation server 7100 (7605c).

If information about groups other than the special customer group is extracted from the securities product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in this drawing 76c, only the part of the special customer group is processed. (7610c).

Thereafter, the server stores and registers the profitability information of the identified special customer group in the server D / B (7615c).

Referring to FIG. 76D, the server connects to the securities corporate customer group profitability calculation server 7300 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (7600d).

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

In addition, the profitability information may include at least one or more securities product profitability information, securities derivatives profitability information, transaction history profitability information, new securities product profitability information, new securities derivatives profitability information.

In addition, the profitability information of the securities product is interest income of borrowing and depositing the deposits on the savings securities products, or profits from the deposit operation of the savings securities products, or interest income of receiving deposits and interest on the savings securities products. Or, at least one or more of the proceeds from the savings management of the savings securities product, or the loan interest income for the loan securities product.

In addition, the securities derivatives profitability information is preferably made of at least one handling fee for the foreign exchange transaction, or handling fees for derivatives, handling fees for securities, or handling fees for ancillary services. .

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

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

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

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

In addition, the transaction profitability information may include at least one of a handling fee for an unpaid and withdrawal transaction, a handling fee for a remittance, or a handling fee for another remittance, a reissuance fee for a lost account, or a reissuance fee for a lost card. It is preferable to include one or more.

Herein, the profitability information of the new securities product is related to the potential interest income that can be borrowed and receive interest on the new savings securities product, or the potential operating income by deposit operation of the new savings securities product, or the new red securities product. It is preferable to include at least one or more potential interest income to borrow and deposit interest, or potential operating income from the savings management of the new deposit securities product, or potential loan interest income on the new loan securities product.

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

Thereafter, the server checks information corresponding to the corporate customer group from the profitability information provided from the stock corporate customer group profitability calculation server 7300 (7605d).

If information about groups other than the corporate customer group is extracted from the securities product information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in this drawing 76d, only the portion of the corporate customer group is processed. (7610d).

Thereafter, the server stores and registers the profitability information of the identified corporate customer group in the server D / B (7615d).

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 (eg, social security number, customer name, etc.), one or more fund product information associated with the customer information (eg, derivatives fund, overseas fund, stock type, etc.) for calculating the 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 7730 to extract information corresponding to an individual customer group, and extract the 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 a general knowledge in the field of the present invention, with reference to this figure 77 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 77. 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 7730 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. Extracting at least one new fund product information associated with the information from the transmission system (7730), it is preferable to check the profitability of the individual customer group according to the customer information, the person having ordinary knowledge in the field of the present invention If so, referring to Figure 77, a variety of information for calculating the profitability of the individual customer group, such as the cost (e.g., employee wages) for the employee in charge of the individual customer, can be added to the method of confirming the profitability of the individual customer group. However, in FIG. 77, 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 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 Figure 77, the personal customer group profitability calculation server, an information receiving unit 7705 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the transmission system 7730, the ledger An information extracting unit 7710 (or information extracting means) for extracting necessary information from the information received from the D / B, an information confirming unit 7715 (or information verifying means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 7720 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 7725 (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 7730, 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 7705 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 7730 and provided to the information extraction unit 7710.

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 7730 to calculate profitability for the individual customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 7710 may include the customer information received by the information receiving unit 7705, 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 7715.

According to the exemplary embodiment of the present invention, the information checking unit 7715 may include the customer information extracted by the information extracting unit 7710, one or more fund product information associated with the customer information, or one or more new information associated with the customer information. The fund product information is provided to the profitability calculation unit 7720 by identifying the individual customer from the information on the individual customer.

The profitability calculation unit 7720 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 7715. The calculated personal customer information and profitability information of the personal customer are provided to the information storage unit 7725.

According to an embodiment of the present invention, the profitability calculation unit 7720 may calculate profitability information including profits based on fund product information for the individual customer.

Herein, the fund product profitability information for the fund product information for the individual customer is the handling fee income by the overseas fund, the operating fee income by the overseas fund, the middle repayment commission income by the overseas fund, and the operation by the equity fund. Commission income, mid-term refund commission income from equity-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 7720 may calculate profitability information including profits based on new fund product information for the individual customer.

Herein, the new fund product profitability information for the new fund product information for the individual 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 method of the present invention, the transmission system 7730 is connected to at least one or more window terminals provided at the branch (and / or branch) of the transmission institution through a predetermined transmission network (for example, 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 7730 may include at least one transmission terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or a branch) of the transmission organ, and / or the transmission organ and 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 7730 is associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (eg, wired Internet, and / or IEEE 802.11x-based At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN / Provides 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 7730 is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. 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 (7730) is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) At least one or more through at least one wireless terminal (e.g., a wireless terminal equipped with 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 7730 is connected to a predetermined telebanking server, and is connected to a predetermined wired voice call network (eg, a public switched telephone network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face trust transaction service to at least one trust transaction customer through a GSM terminal and / or a smartphone).

In addition, the transmission system 7730 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). Etc.) provides non-face-to-face trust trading services to at least one trust trading customer.

In addition, the transmission system (7730) 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 terminal, terrestrial DMB terminal, etc.) provides a non-face-to-face teleconferencing service to at least one telecom customer.

Referring to FIG. 56, the investment system 7730 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, which occur in at least one branch (or counter); At least one non-face-to-face provided with an information system for processing a communication system, an interconnection between the communication system 7730 and at least one other communication system 7730 (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.) Access to the transmission system (7730), and / or an external system that provides a variety of investment transaction interface through at least one or more common network (for example, CD common network, transmission common network), and also The transmission system 7730 includes an interface module corresponding to a middleware platform that provides interfacing between components in the transmission system 7730, and a function required for performing each function in the components in the transmission system 7730. And a DBMS (DataBase Management System) including at least one database for storing and managing predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.).

In addition, the transmission system 7730 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 the transmission system 7730 and the transmission system 7730 is provided with the transmission system (7730). 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 familiar with the technical details of (7730), a detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

In addition, the ledger information of the ledger D / B of the trust system 7730 has more information than the information shown in the ledger D / B of the trust system 7730 shown in Figure 77, but for calculating the individual customer group profitability Only information is shown.

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

More specifically, Fig. 78 shows the ledger information from the ledger D / B of the transmission system 7730 shown in Fig. 77 and the two conditions of the individual customer group through the personal customer group profitability calculation server shown in Fig. 77. 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 78. It includes, but is not limited to, all the methods of inferred above.

Hereinafter, in Fig. 78, the personal customer group profitability calculation server shown in Fig. 77 is referred to as " server " for convenience.

Referring to FIG. 78A, the server accesses the transmission system 7730 through a predetermined communication network, requests the server to provide ledger information of the transmission system 7730 ledger D / B for the profitability calculation. In response, the transmission system 7730 provides the ledger information of the ledger D / B to the server (7800a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the transmission system 7730 and fund product information associated with the customer information.

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

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

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

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

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

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

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

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

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

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

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the transmission system 7730 (7805a).

When extracting information about a group other than the individual customer group 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. 78a, only the portion of the individual customer group is processed. (7810a).

Thereafter, the server checks the profitability information of the securities product corresponding to the individual customer group (7815a), and stores and registers the checked profitability information in the server D / B (7820a).

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. 78B, the server accesses the transmission system 7730 through a predetermined communication network, requests the server to provide ledger information of the transmission system 7730 ledger D / B for the profitability calculation. Correspondingly, the transmission system 7730 provides the ledger information of the ledger D / B to the server (7800b).

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 7730.

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

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

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

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

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

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

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

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

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

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

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the transmission system 7730 (7805b).

If information on 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. 78d, only the portion of the individual customer group is processed. (7810b).

Thereafter, the server checks the profitability information of the account corresponding to the individual customer group (7815b), and stores and registers the confirmed profitability information in the server D / B (7820b).

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.

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

In more detail, FIG. 79 shows customer information (eg, social security number, customer name, etc.), one or more fund product information (eg, derivatives fund, overseas fund, stock type, etc.) associated with the customer information for calculating profitability of the PB customer group. Funds, mixed funds, bond funds, MMF funds), or one or more new fund product information associated with the customer information is provided from the investment system 7730 to extract information corresponding to the PB customer group, and to extract the extracted information. Checking the information about 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 of the present invention, refer to this figure 79 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 79. 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 7730 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. Extracting one or more new fund product information associated with the information from the transmission system (7730), it is preferable to check the profitability of the PB customer group according to the customer information, and those skilled in the field of the present invention Then, referring to FIG. 79, 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. 79, 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. 79, the PB customer group profitability calculation server comprises: an information receiving unit 7905 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the transmission system 7730; An information extracting unit 7810 (or information extracting means) for extracting necessary information from the information received from the D / B, an information confirming unit 7715 (or information verifying means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 7920 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 7825 (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 7730, 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 7905 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 7730 and provided to the information extraction unit 7910.

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 7730 to calculate profitability for the PB customer group.

According to an embodiment of the present invention, the information extraction unit 7910 may include the customer information received by the information receiving unit 7905, 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 7915.

According to an exemplary embodiment of the present invention, the information checking unit 7915 may include the customer information extracted by the information extracting unit 7910, one or more fund product information associated with the customer information, or one or more new information associated with the customer information. The PB customer is identified from the information on the PB customer in the fund product information and provided to the profitability calculation unit 7920.

The profitability calculation unit 7920 calculates PB customer profitability in connection with profitability information for the PB customer including at least one fund product profitability information for the PB customer provided by the information checking unit 7915. The calculated PB customer information and the profitability information of the PB customer are provided to the information storage unit 7825.

According to the exemplary embodiment of the present invention, the profitability calculator 7920 calculates 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 7920 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 7730 provides the ledger information to the PB customer group profit calculation server in connection with the ledger D / B in the investment system 7730 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 77, it is omitted.

In addition, the ledger information of the ledger D / B of the transmission system 7730 has more information than the information shown in the ledger D / B of the transmission system 7730 shown in Figure 79, but for calculating the PB customer group profitability Only information is shown.

80 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.

In more detail, the drawing 80 obtains the ledger information from the ledger D / B of the transmission system 7730 shown in the drawing 77, and the two conditions of the PB customer group through the PB customer group profitability calculation server shown in the drawing 79. 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 may refer to various embodiments of the system for calculating profitability of the PB customer group with reference to FIG. It includes, but is not limited to, all the methods of inferred above.

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 transmission system 7730 through a predetermined communication network, requests the server to provide ledger information of the transmission system 7730 ledger D / B for the profitability calculation. In response, the transmission system 7730 provides the ledger information of the ledger D / B to the server (8000a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the transmission system 7730 and fund product information associated with the customer information.

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

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

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

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

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

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

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

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

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

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

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the transmission system 7730 (8005a).

When extracting information about a group other than the PB customer group 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. 80A, only the portion of the PB customer group is processed. 8010a.

Thereafter, the server checks the profitability information of the securities product corresponding to the PB customer group (8015a), and stores and registers the confirmed profitability information in the server D / B (8020a).

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. 80B, the server accesses the transmission system 7730 through a predetermined communication network, requests the server to provide ledger information of the transmission system 7730 ledger D / B for the profitability calculation. In response, the transmission system 7730 provides the ledger information of the ledger D / B to the server (8000b).

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 7730.

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

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

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

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

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

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

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

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

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

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

Thereafter, the server extracts information corresponding to the PB customer group from the ledger information provided from the transmission system 7730 (8005b).

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. 80D, only the portion of the PB customer group is processed. 8010b.

Thereafter, the server checks the profitability information of the account corresponding to the PB customer group (8015b), and stores and registers the checked profitability information in the server D / B (8020b).

Herein, the new fund product profitability information for the new fund product information for the PB 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.

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.) and one or more fund product information (eg, derivatives fund, overseas fund, stock type) associated with the customer information for calculating profitability of the special customer group. Fund, mixed fund, bond fund, MMF fund) or one or more new fund product information associated with the customer information is provided from the investment system 7730 to extract information corresponding to a special customer group, and extract the 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 a general knowledge in the field of the present invention, refer to this drawing 81 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 81. 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 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. And a transmission system 7730 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. Extracting one or more new fund product information associated with the information from the transmission system (7730), it is preferable to check the profitability of the special customer group according to the customer information, the person having ordinary knowledge in the field of the present invention If so, referring to FIG. 81, a variety of information for calculating the profitability of the special customer group, such as the cost (e.g., employee wages) for the employee in charge of the special customer, can be added to the method of confirming the profitability of the special customer group. However, in FIG. 81, 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. 81, the special customer group profitability calculation server includes an information receiver 8105 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the transmission system 7730. An information extracting unit 8210 (or information extracting means) for extracting necessary information from the information received from the D / B, an information confirming unit 8215 (or information verifying means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 8120 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 8125 (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 7730, and the ledger D / B preferably includes customer information and fund product information necessary for calculating profitability for the special customer group.

According to an embodiment of the present invention, the information receiving unit 8105 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 7730 and provided to the information extraction unit 8110.

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 7730 to calculate profitability for the special customer group.

According to the exemplary embodiment of the present invention, the information extracting unit 8110 may include the customer information received from the information receiving unit 8105, one or more fund product information associated with the customer information, or one or more new information associated with the customer information. Information about the special customer is extracted from the fund product information and provided to the information checking unit 8151.

According to the exemplary embodiment of the present invention, the information checking unit 8215 may include the customer information extracted by the information extracting unit 8110, 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 8120.

The profitability calculation unit 8120 calculates a special customer profitability in connection with the profitability information for the special customer including at least one fund product profitability information for the special customer provided by the information checking unit 8215. The calculated special customer information and profitability information for the special customer are provided to the information storage unit 8125.

According to an embodiment of the present invention, the profitability calculation unit 8120 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 8120 may calculate profitability information including profits based on new fund product information for the special customer.

Herein, the new fund product profitability information for the new fund product information for the special customer is based on the potential 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 investment system 7730 provides the ledger information to the special customer group profit calculation server in connection with the ledger D / B in the transmission system 7730 in connection with the special customer group profitability calculation server It provides a function for, and since the detailed description of the internal configuration has been described with reference to Figure 77, it is omitted.

In addition, the ledger information of the ledger D / B of the transmission system 7730 has more information than the information shown in the ledger D / B of the transmission system 7730 shown in Figure 81, but for calculating the profitability of the special customer group Only information is shown.

82 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, this drawing 82 takes the ledger information from the ledger D / B of the transmission system 7730 shown in FIG. 77 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, one of ordinary skill in the art to which the present invention pertains may refer to this drawing 82, and various implementation methods of a system for calculating profitability of a special customer group may be inferred. It includes, but is not limited to, all the methods of inferred above.

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 transmission system 7730 through a predetermined communication network, requests the server to provide ledger information of the transmission system 7730 ledger D / B for the profitability calculation. In response, the transmission system 7730 provides the ledger information of the ledger D / B to the server (8200a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the transmission system 7730 and fund product information associated with the customer information.

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

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

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

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

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

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

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

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

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

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

Thereafter, the server extracts information corresponding to the special customer group from the ledger information provided from the transmission system 7730 (8205a).

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. 82a, only the part of the special customer group is processed. 8210a.

Thereafter, the server checks the securities product profitability information corresponding to the special customer group (8215a), and stores and registers the checked profitability information in the server D / B (8220a).

Herein, the fund product profitability information of the fund product information for the special customer is the handling fee income by the overseas fund, the operating fee income by the overseas fund, the middle repayment commission income by the overseas fund, and the operation by the equity fund. Commission income, mid-term refund commission income from equity-type funds, mid-term refund commission income from stock-type funds, operating commission income from bond-type funds, mid-term refund commission income from bond-type funds, mid-term refund commission income from bond-type funds, mixed funds Revenue from Management Fees, Pre-Revenue Fees by Mixed Funds, Revenue Fees by Mixed Funds, Revenue from Management Fees by MMFs, Revenues by Prepayment Fees by MMFs, Revenue by Derivatives Revenue from Management Fee, Pre-Revenue from Derivatives, Revenue from Derivatives It comprises at least one sheet or the like fees are preferred.

Referring to FIG. 82B, the server accesses the transmission system 7730 through a predetermined communication network, requests the server to provide ledger information of the transmission system 7730 ledger D / B for the profitability calculation. In response, the transmission system 7730 provides the ledger information of the ledger D / B to the server (8200b).

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 7730.

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

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

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

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

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

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

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

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

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

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

Thereafter, the server extracts information corresponding to the special customer group from the ledger information provided from the transmission system 7730 (8205b).

If information on groups other than the special customer group is extracted from the securities product information, the processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 82d, only the part of the special customer group is processed. (8210b).

Thereafter, the server checks profitability information of the account corresponding to the special customer group (8215b), and stores and registers the confirmed profitability information in the server D / B (8220b).

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.

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 fund product information (eg, derivatives fund, overseas fund, stock type, etc.) associated with the customer information for calculating profitability of the corporate customer group. Fund, mixed fund, bond fund, MMF fund) or one or more new fund product information associated with the customer information is provided from the investment system 7730 to extract information corresponding to the 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 you have ordinary knowledge in the field of the present invention, refer to this figure 83 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 83, 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 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 7730 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. Extracting one or more new fund product information associated with the information from the transmission system (7730), it is preferable to check the profitability of the corporate customer group according to the customer information, and those skilled in the field of the present invention If so, referring to FIG. 83, 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. However, in FIG. 83, 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. 83, the corporate customer group profitability calculation server includes: an information receiving unit 8305 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the transmission system 7730; An information extraction unit 8310 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 8315 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 8320 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 8325 (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 7730, 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 8305 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 7730 and provided to the information extraction unit 8310.

Here, the ledger information preferably includes customer information and fund product information requested from the corporate customer group profitability calculation server to the transmission system 7730 to calculate profitability for the corporate customer group.

According to the exemplary embodiment of the present invention, the information extraction unit 8310 may include the customer information received by the information receiving unit 8305, 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 checking unit 8315.

According to the exemplary embodiment of the present invention, the information checking unit 8315 may include the customer information extracted by the information extracting unit 8310, one or more fund product information associated with the customer information, or one or more new information associated with the customer information. In the fund product information, the corporate customer is identified from the information on the corporate customer and provided to the profitability calculation unit 8320.

The profitability calculation unit 8320 calculates corporate customer profitability by linking with profitability information for the corporate customer including at least one fund product profitability information for the corporate customer provided by the information checking unit 8315. The calculated corporate customer information and profitability information of the corporate customer are provided to the information storage unit 8325.

According to an embodiment of the present invention, the profitability calculation unit 8320 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 comprises at least one sheet or the like fees are preferred.

In addition, the profitability calculation unit 8320 may calculate profitability information including profits based on new fund product information for the corporate customer.

Herein, the new fund product profitability information for the new fund product information for the corporate client is based on the potential 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 7730 provides the ledger information to the corporate customer group profitability calculation server in association with the ledger D / B in the investment system 7730 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 77, it is omitted.

In addition, the ledger information of the ledger D / B of the trust system 7730 has more information than the information shown in the ledger D / B of the trust system 7730 shown in Figure 83, but for calculating the corporate customer group profitability Only information is shown.

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

More specifically, FIG. 84 shows the ledger information from the ledger D / B of the transmission system 7730 shown in FIG. 77 and the two conditions of the corporate customer group through the enterprise customer group profitability calculation server shown in FIG. In the process of calculating profitability information for (fund product profitability information for corporate customers and new fund product profitability information for corporate customers) and storing the calculated profitability information in the D / B of the corporate customer group profitability calculation server Related to the present invention, those skilled in the art to which the present invention pertains may refer to this drawing 84 to infer various implementation methods of the system for calculating the profitability of the corporate customer group. It includes, but is not limited to, all the methods of inferred above.

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 transmission system 7730 through a predetermined communication network, requests the server to provide ledger information of the transmission system 7730 ledger D / B for the profitability calculation. In response, the transmission system 7730 provides the ledger information of the ledger D / B to the server (8400a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the transmission system 7730 and fund product information associated with the customer information.

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

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

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

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

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

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

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

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

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

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

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the transmission system 7730 (8405a).

If information about groups other than the corporate 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. 84a, only the portion of the corporate customer group is processed. (8410a).

Thereafter, the server checks the profitability information of the securities product corresponding to the corporate customer group (8415a), and stores and registers the confirmed profitability information in the server D / B (8420a).

Here, the fund product profitability information of the fund product information for the enterprise customer is the handling fee income by overseas funds, the management fee revenues by overseas funds, the mid-term refund commission income by overseas funds, management by equity funds Commission income, mid-term refund commission income from equity-type funds, mid-term refund commission income from stock-type funds, operating commission income from bond-type funds, mid-term refund commission income from bond-type funds, mid-term refund commission income from bond-type funds, mixed funds Revenue from Management Fees, Pre-Revenue Fees by Mixed Funds, Revenue Fees by Mixed Funds, Revenue from Management Fees by MMFs, Revenues by Prepayment Fees by MMFs, Revenue by Derivatives Revenue from Management Fee, Pre-Revenue from Derivatives, Revenue from Derivatives It comprises at least one sheet or the like fees are preferred.

Referring to FIG. 84B, the server accesses the transmission system 7730 through a predetermined communication network, requests the server to provide ledger information of the transmission system 7730 ledger D / B for the profitability calculation. In response, the transmission system 7730 provides ledger information of the ledger D / B to the server (8400b).

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 7730.

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

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

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

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

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

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

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

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

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

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

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the transmission system 7730 (8405b).

When extracting information on a group other than the corporate customer group 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. 84d, only the portion of the corporate customer group is processed. (8410b).

Thereafter, the server checks the profitability information of the account corresponding to the corporate customer group (8415b), and stores and registers the confirmed profitability information in the server D / B (8420b).

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.

85 is a trust personal customer group profit calculation server 7700, a trust PB customer group profit calculation server, a trust special customer group profit calculation server 8100, and a trust corporate customer group profit calculation server 8300 according to the embodiment of the present invention. It shows a system configuration for storing validity and valid profitability information by receiving profitability information from.

In more detail, Figure 85 shows the individual customer group, PB customer group, special customer group, corporate customer group customer information (e.g. social security number, customer name, etc.), individual customer group profitability calculations using the profitability information associated with the customer information Profitability calculation server (7700), investment PB customer group profitability calculation server (7900), investment special customer group profitability calculation server (8100), investment company customer group profitability calculation server (8300), personal customer group profitability information, PB customer group The internal structure of the system for confirming the validity of the profitability information, the special customer group profitability information, the corporate customer group profitability information, and storing and registering the validated profitability information is shown. Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of the integrated communications with reference to this drawing 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 may include fund product profitability information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF fund), and new fund product profitability information.

Here, the profitability information of the fund product includes the handling fee income by overseas fund, the operating fee income by overseas fund, the middle repayment commission income by overseas fund, the operating fee income by equity fund, and the central repayment fee by equity fund. Revenues, Revenue from Medium Revenue Fees by Equity Funds, Revenue from Management Fees by Bond Type Funds, Revenues by Central Revenue Fees by Bond Funds, Revenues by Central Revenue Fees by Bond Funds, Revenue from Management Fees by Mixed Funds, and Interim by Mixed Funds Revenue commission income, mid-term refund commission income by mixed funds, operating commission income by MMF, mid-term purchase commission income by MMF, mid-term purchase commission income by MMF, operating commission income by derivatives, mid-term buyback by derivatives Include at least one of commission income, middle refund commission income from derivatives, etc. It is preferable to make it.

According to the implementation method of the present invention, the integrated investment profitability calculation system comprises at least one of the profitability information of the individual customer group, the profitability information of the PB customer group, the profitability information of the special customer group, the profitability information of the corporate customer group Integrate customer profit calculation server 8500 to calculate integrated profitability information, calculate profitability by linking profitability information of individual customer groups with investment system 7730 and provide profitability information to the investment integration customer profit calculation server 8500 Investment PB Customer Group that provides profitability calculation server (7700) and PB Customer Group profitability information by calculating profitability by linking with investment system (7730) to provide profitability information to the integrated investment profitability calculation server (8500). Profitability calculation server (7900) by linking the profitability information of the special customer group with the investment system (7730) to calculate the profitability A specialty customer group profitability calculation server 8100 that provides profitability information to the customer profitability calculation server 8500, and the profitability information of the corporate customer group is calculated by linking the profitability information of the enterprise customer group with the investment system 7730 8500) at least one financial transaction (eg, through a face-to-face or non-face-to-face financial transaction channel provided in the branch (or branch) of the financial institution, profitability calculation server 8300) Fund product purchase, fund product repurchase, etc.) is provided with a transmission system (7730) for providing a service.

The investment integration customer profit calculation server 8500 is a customer information, profitability information linked to the customer information, the individual customer group profit calculation server (7700), the investment PB customer group profit calculation server (7900), the investment special customer group profitability It is preferable to receive the calculation server 8100 and the profitability calculation server 8300 from the trust management customer group, and to check the individual 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, refer to the Figure 85, the integration of the cost (e.g., 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. 85, the factor of employee's cost is not used for profitability calculation. The.

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 integrated communication customer profit calculation server 8500 has a D / B for storing the profitability calculation results for each group, or a separate D / B server and communication network having a D / B for saving the profitability calculation results for each group. It is linked through.

Referring to Figure 85, the integrated customer profitability calculation server 8500 receives the customer information of the individual customer group, personal customer group profitability information associated with the customer information from the transmission personal customer group profitability calculation server 7700, 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 7800, or the special customer group from the transmission special customer group profitability calculation server 8100. Receive 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 client enterprise group profitability calculation server 8300 Information receiving unit 8405 (or information receiving means) comprising at least one function of receiving, the profitable personal customer group profitable Information checking unit 8510 that checks the information received from the server 7700, the investment PB customer group profitability calculation server (7900), the investment special customer group profitability calculation server (8100), the investment company customer group profitability calculation server (8300) (Or information confirmation means), an information storage unit 8515 (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 8505 may transmit customer information, profitability information associated with the customer information, a profit calculation server 7700, a payment PB customer group profit calculation server 7900, and a transmission special The customer group profitability calculation server 8100 and the receiving company customer group profitability calculation server 8300 are provided to the information checking unit 8510.

According to the exemplary embodiment of the present invention, the information checking unit 8510 checks the individual customer group in the customer information received from the information receiving unit 8505 and the profitability information associated with the customer information. Or the PB customer group in the customer information received from the information receiving unit 8505, the profitability information associated with the customer information, and providing the PB customer group to the information storage unit 8515, or the information receiving unit The special customer group is identified from the customer information received at 8505 and the profitability information associated with the customer information, and provided to the information storage unit 8515 or the customer information received at the information receiving unit 8505. In addition, the corporate customer group is identified from the profitability information associated with the customer information and provided to the information storage unit 8515.

According to an exemplary embodiment of the present invention, the information storage unit 8515 may be configured to generate profitability information of an individual customer group, a PB customer group, a special customer group, and an enterprise customer group provided by the information receiving unit 8505. 8500) 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 an embodiment of the present invention, the trust personal customer group profitability calculation server 7700 receives the ledger information from the ledger D / B in the trust system 7730 in connection with the trust system to calculate the profitability of the individual customer group. It provides a function, 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 trust PB customer group profitability calculation server 7900 receives the ledger information from the ledger D / B in the trust system 7730 in connection with the trust system to calculate the profitability of the PB customer group. It provides a function, and detailed description of the internal configuration has been described with reference to Figure 79, it will be omitted.

According to the implementation method of the present invention, the investment special customer group profitability calculation server 8100 receives the ledger information from the ledger D / B in the investment system 7730 in connection with the investment system to calculate the profitability of the special customer group. It provides a function, and the detailed description of the internal configuration has been described with reference to FIG.

According to the implementation method of the present invention, the trust enterprise customer group profit calculation server 8300 receives the ledger information from the ledger D / B in the trust system 7730 in conjunction with the trust system to calculate the profitability of the enterprise customer group It provides a function, and detailed description of the internal configuration has been described with reference to FIG.

According to the implementation method of the present invention, the investment system 7730 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 banking system 5730 ) 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 is omitted.

In addition, the ledger information for the ledger D / B of the transmission system 7730 has more information than the information shown in the ledger D / B of the transmission system 7730 shown in Figure 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 trusted personal customer group profitability calculation server 7700 shown in FIG. 57, or the trusted PB customer group profitability calculation server 7900 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 8100 shown in FIG. The four groups (individual customer group, PB customer group, special group) are imported from the corporate customer group profitability information from the D / B of the group profitability calculation server 8300 and through the integrated integrated customer profitability calculation server 8500 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 8500, the field to which the present invention belongs Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of integrated communications with reference to this drawing 86. However, the present invention is not limited to this drawing 86, and all the inference methods are inferred. It includes.

Hereinafter, in FIG. 86, the trusted integrated customer profit calculation server 8500 shown in FIG. 85 is referred to as a "server" for convenience.

Referring to FIG. 86a, 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 (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 fund product profitability information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF fund), and new fund product information.

Herein, the profitability information of the fund product includes handling fee income by overseas fund, operating fee income by overseas fund, middle repayment commission income by overseas fund, operating fee income by equity fund, and middle repurchase by equity fund. Commission income, return on commissions commissioned by equity funds, return on operating commissions by bond funds, return on commissions commissioned by bond funds, return on commissions commissioned by bond funds, return on management fees by hybrid funds, mixed funds Revenue from mid-term commissions, Revenue from mid-term commissions by mixed funds, Income from operating fees by MMFs, Income by commissions by MMFs, Income by commissions by MMFs, Income by commissions by derivatives, In-between by derivatives At least one of a repurchase fee income or a middle repayment fee income from derivatives; It is preferable to comprise.

In addition, the new fund product profitability information includes potential operating fee income from overseas funds, potential operating fee revenue from equity funds, potential operating fee revenue from bond funds, potential operating fee revenue from mixed funds, and potential MMFs. It is preferable to include at least one or more management fee revenue, potential operating fee revenue from derivatives.

Thereafter, the server checks the information corresponding to the individual customer group from the profitability information provided from the transmission personal customer group profitability calculation server 7700 (8605a).

If information on groups other than the individual 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. 86a, only the portion 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 D / B (8615a).

Referring to FIG. 86b, the server accesses the transmission PB customer group profitability calculation server 7900 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, 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 PB customer group from the profitability information provided from the transmission PB customer group profitability calculation server 7900 (8605b).

When extracting information on a group other than the PB customer group 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 this figure 86b, only the portion of 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 D / B (8615b).

Referring to FIG. 86c, the server accesses the transmission special customer group profitability calculation server 8100 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 fund product profitability information (eg, derivatives fund, overseas fund, equity fund, mixed fund, bond fund, MMF fund), and new fund product information.

Herein, the profitability information of the fund product includes handling fee income by overseas fund, operating fee income by overseas fund, middle repayment commission income by overseas fund, operating fee income by equity fund, and middle repurchase by equity fund. Commission income, return on commissions commissioned by equity funds, return on operating commissions by bond funds, return on commissions commissioned by bond funds, return on commissions commissioned by bond funds, return on management fees by hybrid funds, mixed funds Revenue from mid-term commissions, Revenue from mid-term commissions by mixed funds, Income from operating fees by MMFs, Income by commissions by MMFs, Income by commissions by MMFs, Income by commissions by derivatives, In-between by derivatives At least one of a repurchase fee income or a middle repayment fee income from derivatives; It is preferable to comprise.

In addition, the new fund product profitability information includes potential operating fee income from overseas funds, potential operating fee revenue from equity funds, potential operating fee revenue from bond funds, potential operating fee revenue from mixed funds, and potential MMFs. It is preferable to include at least one or more management fee revenue, potential operating fee revenue from derivatives.

Thereafter, the server checks the information corresponding to the special customer group from the profitability information provided from the transmission special customer group profitability calculation server 8100 (8605c).

If information on groups other than the special 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. 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 D / B (8615c).

Referring to FIG. 86D, the server accesses the transmission enterprise customer group profitability calculation server 8300 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 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 8300 (8605d).

When extracting information on groups other than the corporate customer group from the trusted product information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 86d, only the portion of the corporate customer group is processed. (8610d).

Thereafter, the server stores and registers the profitability information of the identified corporate customer group in the server D / B (8615d).

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

More specifically, Figure 87 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 the profitability of the individual customer group. ), Or one or more loan information (eg, card loan loan, credit loan, etc.) associated with the customer information, one or more new card information, or one or more new loan information associated with the customer information from the card system 8730. Provided to extract the information corresponding to the individual customer group, and confirm the information about the individual customer group from the extracted information, showing the internal configuration of the system for calculating the profitability for the individual customer, the present invention If you have ordinary knowledge in the field, various implementation methods of the system for calculating the profitability of the individual customer group with reference to this figure 87 Although it can be inferred that the present invention is not limited to this figure 87, it includes all the implementation methods inferred.

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

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, card loan, credit loan, etc.) is provided with a card system (8730) 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 8730, and 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, refer to this figure 87 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 (for example, employee wage, etc.) can be added. However, in FIG. 87, the factor of the required cost of the employee is omitted since it is not used to calculate the 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 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. 87, the personal customer group profitability calculation server includes: an information receiving unit 8705 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the card system 8730; An information extraction unit 8710 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 8715 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 8720 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 8725 (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 8730, 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 8705 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 8710 receives ledger information from the ledger D / B in association with an external system of the card system 8730 including card information or at least one new loan information associated with the customer information. )

Here, the ledger information may include customer information, card information, and loan information requested by the card system 8730 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 extraction unit 8710 extracts information on the individual customer from the customer information received from the information receiving unit 8705 and one or more card information associated with the customer information to confirm the information. The information about the individual customer is provided to the unit 8715 or the loan information associated with the customer information or the customer information received by the information receiving unit 8905 and provided to the information verification unit 8715. Alternatively, the information about the individual customer is extracted from the customer information received from the information receiving unit 8705 and one or more new card information associated with the customer information, and the information is provided to the information confirming unit 8715, or the information. Check the information by extracting the information on the individual customer from the customer information received from the receiving unit 8705, one or more new loan information associated with the customer information Provided to part 8715.

According to the exemplary embodiment of the present invention, the information checking unit 8715 checks the individual customer from the information on the individual customer from the customer information extracted from the information extraction unit 8710 and one or more card information associated with the customer information. The customer information provided to the profitability calculation unit 8720 or the customer information extracted from the information extraction unit 8710, one or more loan information associated with the customer information to identify the individual customer in the information Providing to the profitability calculation unit 8720, or to the customer information extracted from the information extraction unit 8710, one or more new card information associated with the customer information to the profitability calculation unit 8720 Providing or identifying the individual customer from the customer information extracted from the information extraction unit 8710, one or more new loan information associated with the customer information And provides it to the margins of the calculation unit (8720).

The profitability calculator 8720 may provide card profitability information for the individual customer, loan profitability information for the individual customer, or new card profitability information for the individual customer, or the personal customer provided by the information checking unit 8715. 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 8725 to the calculated personal customer information, the profitability information for the individual customer )

According to the method of the present invention, the profitability calculation unit 8720 includes at least one or more profitability information such as revenue from cash service, installment transaction, or 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 8720 preferably calculates profitability information by including at least one or more profitability information such as revenue from a card loan and a credit loan from 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 8720 includes profitability information including at least one or more profitability information such as revenue by cash service, installment transaction, or annual fee 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 8720 preferably calculates profitability information by including at least one of profits from credit card loans and profits from credit loans 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 8725 stores the profitability information provided by the profitability calculation unit 8720 in the D / B provided in the individual customer group profitability calculation server, or the profitability calculation unit 8720 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 8730 is connected to at least one or more teller terminals provided at the branch (and / or branch) 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.

The card system 8730 may include at least one card terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the card institution, 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 8730 is associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (eg, wired Internet, and / or IEEE 802.11x-based At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provides a non-face-to-face card transaction service to at least one or more card transaction customers through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function.

In addition, the card system 8730 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 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 8730 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., 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 8730 is associated with a predetermined telebanking server, and is connected to a predetermined wired voice call network (eg, a public switched telephone network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face card transaction service to at least one or more card transaction customers through a GSM terminal and / or a smart phone.

In addition, the card system (8730) 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 card transaction service to at least one card transaction customer.

In addition, the card system (8730) 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 card transaction service to at least one card transaction customer.

Referring to FIG. 56, the card system 8730 is provided to a card institution to open at least one card account to at least one card transaction customer, and 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 8730 and at least one other card system 8730 (and / or payment system), and / or at least one non-face-to-face card transaction means (e.g., Internet banking) provided in at least one or more external communications networks. Wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) to access the card system 8730, and And / or an external system that provides various card transaction interfaces through at least one common network (eg, CD common network, card common network), and the card system 8730 may include the card system ( 8730) an interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (eg, ledger information, and the like) required for each function in a component in the card system 8730. / 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.

Further, the card system 8730 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 the card system 8730 each card is provided with the card system (8730). At least one component such as an investment card module (not shown) or an international module (not shown) may be further included, and a person having ordinary knowledge in the technical field to which the present invention pertains may include the card system. Since it will be familiar with the technical details of the (8730), the detailed description thereof will be omitted for convenience, whereby the present invention is not limited.

In addition, the ledger information for the ledger D / B of the card system 8730 has more information than the information shown in the ledger D / B of the card system 8730 shown in Figure 87, but for calculating the individual customer group profitability Only information is shown.

Figure 88 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 in accordance with the method of the present invention. It shows the operation flow of the system for calculating the individual customer profitability made by including at least one information.

More specifically, Fig. 88 shows the ledger information from the ledger D / B of the card system 8730 shown above, and the five conditions of the individual customer group (individual customers) through the personal customer group profitability calculation server shown in Fig. 87. 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 drawing 88 but includes all the inferred implementation methods.

Hereinafter, in Fig. 88, the individual customer group profitability calculation server shown in Fig. 87 is referred to as " server " for convenience.

Referring to FIG. 88A, the server accesses the card system 8730 through a predetermined communication network, requests the server to provide ledger information of the card system 8730 ledger D / B for the profitability calculation. Correspondingly, the card system 8730 provides the ledger information of the ledger D / B to the server (8800a).

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 8730.

In addition, the customer information preferably 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 8730 (8805a).

If information on groups other than the individual customer group is extracted from the card 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 part of the individual customer group is processed. (8810a).

Thereafter, the server checks the profitability information of the card corresponding to the individual customer group (8815a), and stores and registers the checked profitability information in the server D / B (8820a).

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. 88b, the server accesses the card system 8730 through a predetermined communication network, requests the server to provide ledger information of the card system 8730 ledger D / B for the profitability calculation. Correspondingly, the card system 8730 provides ledger information of the ledger D / B to the server (8800b).

Here, the ledger information may mean loan information associated with customer information and customer information stored and registered in the ledger D / B of the card system 8730.

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

The loan information may include at least one loan information subscribed to by a customer such as foreign exchange products, derivatives securities, and ancillary services.

Thereafter, the server extracts information corresponding to the individual customer group from the ledger information provided from the card system 8730 (8805b).

If information about groups other than the individual customer group is extracted from the loan information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 88b, only the part of the individual customer group is processed. (8810b).

Thereafter, the server checks the profitability information of the loan corresponding to the individual customer group (8815b), and stores and registers the checked profitability information in the server D / B (8820b).

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. 88c, the server accesses the card system 8730 through a predetermined communication network, requests the server to provide ledger information of the card system 8730 ledger D / B for the profitability calculation. Correspondingly, the card system 8730 provides ledger information of the ledger D / B to the server (8800c).

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 8730.

In addition, the customer information preferably 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 8730 (8805c).

If information on groups other than the individual customer group is extracted from the card information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 88c, only the part of the individual customer group is processed. (8810c).

Thereafter, the server checks the profitability information of the card corresponding to the individual customer group (8815c), and stores and registers the checked profitability information in the server D / B (8820c).

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. 88d, the server accesses the card system 8730 through a predetermined communication network, requests the server to provide ledger information of the card system 8730 ledger D / B for the profitability calculation. In response, the card system 8730 provides the ledger information of the ledger D / B to the server (8800d).

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 8730.

In addition, the customer information preferably 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 individual customer group from the ledger information provided from the card system 8730 (8805d).

If information on groups other than the individual customer group is extracted from the card 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 part of the individual customer group is processed. (8810d).

Thereafter, the server checks the profitability information of the card corresponding to the individual customer group (8815d), and stores and registers the checked profitability information in the server D / B (8820d).

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.

89 shows a system configuration for calculating the profitability of the corporate 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.), one or more card information (eg, cash service details, installment transaction details, annual fee, etc.) for calculating profitability of the corporate customer group. ), Or one or more loan information (eg, card loan loan, credit loan, etc.) associated with the customer information, one or more new card information, or one or more new loan information associated with the customer information from the card system 8730. 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 implementation methods of the system for calculating the profitability of the corporate customer group with reference to this drawing 89 Although it can be inferred, the present invention is not limited to this drawing 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 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, card loan, credit loan, etc.) is provided with a card system (8730) 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 8730, and 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, refer to the drawing 89 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.), can be added. However, in FIG. 89, the factor of the required cost of the employee is not illustrated in the profitability calculation.

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. 89, the corporate customer group profitability calculation server includes: an information receiving unit 8905 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the card system 8730; An information extraction unit 8910 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 8515 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 8920 (or profitability calculation means) for calculating profitability information from the identified information, and information storage unit 8825 (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 8730, 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 8905 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 8910 receives the ledger information from the ledger D / B by linking the card information or at least one new loan information associated with the customer information with an external system of the card system 8730. )

Here, the ledger information preferably includes customer information, card information, and loan information requested by the card system 8730 from the corporate customer group profitability calculation server in order to calculate profitability for the corporate customer group.

According to an exemplary embodiment of the present invention, the information extractor 8910 extracts information about an enterprise customer from one or more card information associated with the customer information and the customer information received by the information receiver 8905 to confirm the information. The information about the corporate customer may be extracted from the customer information received from the information receiving unit 8905 or one or more loan information associated with the customer information, and provided to the information checking unit 8915. Alternatively, information about an enterprise customer is extracted from the customer information received from the information receiving unit 8905 and one or more new card information associated with the customer information, and provided to the information checking unit 8915, or the information. From the customer information received by the receiving unit 8905, at least one new loan information associated with the customer information to extract information about the corporate customer to confirm the information Provided to section 8915.

According to the exemplary embodiment of the present invention, the information checking unit 8915 may identify the corporate customer from the information on the corporate customer from the customer information extracted from the information extraction unit 8910 and at least one card information associated with the customer information. Providing to the profitability calculation unit 8920, or in the customer information extracted from the information extraction unit 8910, one or more loan information associated with the customer information to check the corporate customer from the information on the corporate customer Providing to the profitability calculation unit 8920, or checks the customer in the at least one new card information associated with the customer information, the customer information extracted from the information extraction unit 8910 to the profitability calculation unit 8920 Providing or verifying the corporate customer from the customer information extracted from the information extraction unit 8910, one or more new loan information associated with the customer information And provides it to the margins of the calculation unit (8920).

The profitability calculation unit 8920 may provide card profitability information for the corporate customer, loan profitability information for the corporate customer, or new card profitability information for the corporate customer provided by the information verification unit 8915. 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 8825 )

According to the implementation method of the present invention, the profitability calculation unit 8920 may include at least one profitability information such as revenue from cash service, installment transaction, or annual fee, etc. 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 8920 preferably calculates profitability information by including at least one profitability information such as revenue from card loans and revenues 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 8920 includes profitability information including at least one or more profitability information such as revenue from cash service, revenue from installment transaction, or annual fee from 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 calculation unit 8920 preferably calculates profitability information by including at least one of profits from credit card loans and profits from credit loans in the newly registered loan information of the corporate customer.

Here, the new loan profitability information for the new loan information of the corporate customer is preferably made of at least one or more potential interest income by credit card loans, potential interest income by credit loans.

According to an embodiment of the present invention, the information storage unit 8825 stores the profitability information provided by the profitability calculation unit 8920 in a D / B provided in the corporate customer group profitability calculation server, or the profitability calculation unit 8920. 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 8730 provides the ledger information to the corporate customer group profitability calculation server in connection with the ledger D / B in the card system 8730 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 of the ledger D / B of the card system 8730 has more information than the information shown in the ledger D / B of the card system 8730 shown in Figure 89, but for calculating the corporate customer group profitability Only information is shown.

90 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.

In more detail, the drawing 90 obtains the ledger information from the ledger D / B of the card system 8730 shown in the drawing 87, and the five conditions of the corporate customer group through the corporate customer group profitability calculation server shown in the drawing 89. Profitability information for (card profitability information for corporate customers, loan profitability information for corporate customers, new card profitability information for corporate customers, new loan profitability information for corporate customers) is calculated and the calculated profitability information is used for corporate customers. Regarding the process of storing and registering in the D / B of the group profit calculation server, a person having ordinary knowledge in the field to which the present invention belongs, various implementations of the system for calculating profitability of the corporate customer group with reference to this drawing 90 The method may be inferred, but the present invention is not limited to this figure 90 and includes all the inferred implementation methods.

Hereinafter, in Figure 90, the corporate customer group profitability calculation server shown in Figure 89 is referred to as "server" for convenience.

Referring to FIG. 90A, the server accesses the card system 8730 through a predetermined communication network, requests the server to provide ledger information of the card system 8730 ledger D / B for the profitability calculation. Correspondingly, the card system 8730 provides ledger information of the ledger D / B to the server (9000a).

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 8730.

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

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

Thereafter, the server extracts information corresponding to the corporate customer group from the ledger information provided from the card system 8730 (9005a).

If information about groups other than the corporate customer group is extracted from the card information, the processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 90a, only the portion of the corporate customer group is processed. (9010a).

Thereafter, the server checks the profitability information of the card corresponding to the corporate customer group (9015a), and stores and registers the checked profitability information in the server D / B (9020a).

Here, the card profitability information of the corporate customer's card information includes at least one of a commission by cash service, interest income by cash service, commission income by installment transaction, interest income by installment transaction, and profit by annual fee. It is preferable to comprise.

Referring to FIG. 90b, the server accesses the card system 8730 through a predetermined communication network, requests the server to provide ledger information of the card system 8730 ledger D / B for the profitability calculation. Correspondingly, the card system 8730 provides the ledger information of the ledger D / B to the server (9000b).

Here, the ledger information may mean loan information associated with customer information and customer information stored and registered in the ledger D / B of the card system 8730.

In addition, the customer information preferably 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 8730 (9005b).

If information about groups other than the corporate customer group is extracted from the loan information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 90b, only the portion of the corporate customer group is processed. (9010b).

Thereafter, the server checks the profitability information of the loan corresponding to the corporate customer group (9015b), and stores and registers the confirmed profitability information in the server D / B (9020b).

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. 90c, the server accesses the card system 8730 through a predetermined communication network, requests the server to provide ledger information of the card system 8730 ledger D / B for the profitability calculation. Correspondingly, the card system 8730 provides the ledger information of the ledger D / B to the server (9000c).

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 8730.

In addition, the customer information preferably 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 8730 (9005c).

If information about groups other than the corporate customer group is extracted from the card information, the processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 90c, only the portion of the corporate customer group is processed. (9010c).

Thereafter, the server checks the profitability information of the card corresponding to the corporate customer group (9015c), and stores and registers the checked profitability information in the server D / B (9020c).

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. 90D, the server accesses the card system 8730 through a predetermined communication network, requests the server to provide ledger information of the card system 8730 ledger D / B for the profitability calculation. In response, the card system 8730 provides the ledger information of the ledger D / B to the server (9000d).

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 8730.

In addition, the customer information preferably 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 8730 (9005d).

If information on groups other than the corporate customer group is extracted from the card information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 90d, only the portion of the corporate customer group is processed. (9010d).

Thereafter, the server checks the profitability information of the card corresponding to the corporate customer group (9015d), and stores and registers the checked profitability information in the server D / B (9020d).

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.

91 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 8700 and a card corporate customer group profitability calculation server 8900 according to an embodiment of the present invention. It is.

In more detail, Fig. 91 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, a card personal customer group profitability calculation server 8700, card corporate customer As shown in the internal configuration of the system for checking the validity of the individual customer group profitability information, the corporate customer group profitability information received from the group profitability calculation server 8900 and storing and registering the validated profitability information. If one of ordinary skill in the art to which the present invention pertains can refer to this drawing 91, various implementation methods of the system for calculating card integrated profitability can be inferred, but the present invention is not limited to this drawing 91, 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 ( 9100), card individual customer group profitability calculation server (8700), corporate customer to provide profitability information to the card integrated customer profitability calculation server (9100) by calculating profitability by linking the profitability information of the individual customer group with the card system (8730) Card corporate customer group profitability calculation server (8900), branch of a financial institution (or branch) that provides profitability information to the card integrated customer profit calculation server (9100) by calculating profitability by linking the profitability information of the group with the card system (8730). 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 (8730) for providing a card issuer, card loans, credit, etc.) the service is characterized in that formed.

The card integrated customer profitability calculation server 9100 receives customer information and profitability information associated with the customer information from a card individual customer group profitability calculation server 8700 and a card corporate customer group profitability calculation server 8900, and the customer It is preferable to check the profitability of the individual customer group and the profitability of the corporate customer group according to the information. Those skilled in the art belong to the present invention. Various information for calculating card integration profitability, such as the cost (e.g., employee wage) for the employee in charge, may be added. However, in FIG. 91, the factor of the employee's cost is not used to calculate profitability. Omit.

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 9100 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. 91, the card integrated customer profitability calculation server 9100 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 8700. Or an information receiving unit 9905 (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 8900. Receiving means), an information checking unit 9110 (or information checking means) for confirming the information received from the card personal customer group profitability calculation server 8700, the card corporate customer group profitability calculation server 8900, the confirmed profitability And an information storage unit 9315 (or information storage means) for storing the information in the D / B.

According to the exemplary embodiment of the present invention, the information receiving unit 9905 receives customer information and profitability information associated with the customer information from the card personal customer group profit calculation server 8700 and the card corporate customer group profit calculation server 8900. The information check unit 9210 is provided.

According to the exemplary embodiment of the present invention, the information checking unit 9110 checks the individual customer group in the customer information received from the information receiving unit 9905 and the profitability information associated with the customer information, and stores the information storage unit 9315. Or the corporate customer group in the customer information received from the information receiving unit 9905 and the profitability information associated with the customer information, and provide the same to the information storage unit 9315.

According to an embodiment of the present invention, the information storage unit 9115 may include the D / B provided in the card integrated customer profitability calculation server 9100 of the profitability information of the individual customer group and the enterprise customer group provided by the information receiver 9305. It is linked to a separate D / B server having a D / B for storing the profitability information of the individual customer group, the enterprise customer group provided by the information verification unit 9110 or via a communication network.

According to an embodiment of the present invention, the card personal customer group profitability calculation server 8700 receives the ledger information from the ledger D / B in the card system 8730 in connection with the card system to calculate the profitability of the personal customer group. It provides a function, and detailed description of the internal configuration has been described with reference to Fig. 87, it will be omitted.

According to the implementation method of the present invention, the card corporate customer group profitability calculation server 8900 receives the ledger information from the ledger D / B in the card system 8730 in conjunction with the card system to calculate the profitability of the corporate customer group It provides a function, and detailed description of the internal configuration has been described with reference to Figure 89, it is omitted.

According to the implementation method of the present invention, the card system 8730 is connected with the ledger D / B in the card system 8730 in conjunction with the individual customer group profitability calculation server, the enterprise customer group profitability calculation server to the ledger information 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 57, it will be omitted.

Further, the ledger information of the ledger D / B of the card system 8730 includes more information than the information shown in the ledger D / B of the card system 8730 shown in FIG. 91. Only the information for calculating customer group profitability is shown.

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

More specifically, FIG. 92 shows individual customer group profitability information from the D / B of the card individual customer group profitability calculation server 8700 shown in FIG. 87, or the card corporate customer group profitability calculation server 8900 shown in FIG. The corporate customer group profitability information from the D / B of the third) through the card integrated customer profitability calculation server 9100 shown in Figure 91 to check the profitability information for the two groups (individual customer group, corporate customer group) Regarding the process of storing and registering the checked information in the D / B of the card integrated customer profitability calculation server 9100, the 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 92, but includes all the implementation methods inferred above.

Hereinafter, in FIG. 92, the card integrated customer profit calculation server 9100 shown in FIG. 91 is referred to as a "server" for convenience.

92A, the server accesses the card personal customer group profitability calculation server 8700 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (9200a).

In addition, the customer information preferably 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 the information corresponding to the individual customer group from the profitability information provided from the card personal customer group profitability calculation server 8700 (9205a).

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. 92a, only the portion of the individual customer group is processed. (9210a).

Thereafter, the server stores and registers the profitability information of the identified individual customer group in the server D / B (9220a).

92B, the server accesses the card corporate customer group profitability calculation server 8900 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (9200b).

In addition, the customer information preferably 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 the information corresponding to the corporate customer group from the profitability information provided from the card corporate customer group profitability calculation server 8900 (9205b).

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. 92b, only the portion of the corporate customer group is processed. (9210b).

Thereafter, the server stores and registers the profitability information of the identified corporate customer group in the server D / B (9220b).

93 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 93 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 (9330), extracts the information corresponding to the individual customer group, and confirms the information about the individual customer group from the extracted information, showing the internal configuration of the system for calculating the profitability for the individual customer As one of ordinary skill in the art to which the present invention pertains, the profitability calculation of the individual customer group can be made with reference to FIG. Although various embodiments of the system may be inferred, the present invention is not limited to FIG. 93 and includes all the inferred implementation methods.

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

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

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

According to the implementation method of the present invention, the profitability calculation system of the individual customer group includes the profitability calculation for the guarantee insurance of the individual customer group, or the profitability calculation for the savings insurance, or the profitability calculation for the new guarantee insurance of the individual customer group, Or at least one face-to-face or non-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. An insurance system 9330 is provided to provide at least one financial transaction (eg, guaranteed insurance, savings insurance, etc.) services through a 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 9330. It is preferable to check the profitability of the individual customer group according to the customer information, and if you have ordinary knowledge in the field to which the present invention belongs, the individual in the method of checking 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 customer (eg, employee wage, etc.) can be added. However, in FIG. 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. 93, the personal customer group profitability calculation server includes an information receiver 9305 (or an information receiver) for receiving information from the ledger D / B in association with the external system of the insurance system 9330. An information extraction unit 9310 (or information extraction means) for extracting necessary information from the information received from the D / B, an information confirmation unit 9315 (or information confirmation means) for confirming the information extracted from the ledger D / B; Profitability calculation unit 9320 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 9325 (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 9330, and the ledger D / B includes customer information, guarantee insurance information, and savings insurance information necessary for calculating profitability for an individual customer group. It is preferable.

According to an embodiment of the present invention, the information receiving unit 9305 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 9330, including at least one new guarantee insurance information or at least one new savings insurance information linked to the customer information. The extraction unit 9310 is provided.

Here, the ledger information may include customer information, guarantee insurance information, and savings insurance information requested by the insurance system 9330 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 9310 extracts information on the individual customer from the customer information received from the information receiving unit 9305 and one or more guarantee insurance information associated with the customer information. The information verification unit 9315 may be provided to the identification unit 9315 or the personal information may be extracted from the customer information received from the information receiving unit 9305 or one or more savings insurance information associated with the customer information. Or extract information about an individual customer from the customer information received from the information receiving unit 9305 or one or more new insurance information associated with the customer information, and provide the information to the information checking unit 9315; Or the one or more new savings insurance information associated with the customer information received by the information receiving unit 9305 and the customer information. The beam is extracted and provided to the information checking unit 9315.

According to the exemplary embodiment of the present invention, the information confirming unit 9315 may identify the individual customer from the information on the individual customer in the customer information extracted by the information extracting unit 9310 and at least one guarantee insurance information associated with the customer information. By providing to the profitability calculation unit 9320 or the customer information extracted from the information extraction unit 9310, 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 9320 or the individual customer may be identified from the customer information extracted from the information extraction unit 9310 or at least one new guarantee insurance information linked to the customer information. 9320 or one or more new savings insurances associated with the customer information or the customer information extracted by the information extraction unit 9310. The customer is identified from the information and provided to the profitability calculator 9320.

The profitability calculation unit 9320 may be guaranteed insurance profitability information for the individual customer provided by the information verification unit 9315, savings insurance profitability information for the individual customer, or new guarantee insurance profitability information for the individual customer, or individual Calculating the individual customer profitability by linking the profitability information with respect to the individual customer including at least one new savings insurance profitability information for the customer, wherein the calculated personal customer information and the profitability information for the individual customer are calculated. The storage unit 9325 is provided.

According to the implementation method of the present invention, the profitability calculation unit 9320 may include profits from cancer insurance, revenues from accident insurance, revenues from driver insurance, revenues from auto insurance, and the like in the guarantee insurance information for the individual customer. Profitability information is preferably calculated by including at least one profitability information.

Here, the guarantee insurance profitability information according to the guarantee insurance information of the individual customer is the profit from the payment for maintaining the cancer insurance, the profit from the payment for maintaining the insurance insurance, the profit from the driver insurance payment, the maintenance of the auto insurance subscription It is preferable to include at least one or more, such as revenue by payment for.

In addition, the profitability calculation unit 9320 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 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 9320 may include 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 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 9320 may calculate profitability information by including at least one of income 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 embodiment of the present invention, the information storage unit 9325 stores the profitability information provided by the profitability calculation unit 9320 in a D / B provided in the individual customer group profitability calculation server, or the profitability calculation unit 9320. 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 insurance system 9330 is connected to at least one or more teller terminal provided in the branch (and / or branch) of the insurance institution through a predetermined insurance network (eg, our 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 9330 may include at least one insurance terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or branch) of the insurance institution, and / or the insurance institution. At least one insurance terminal provided in at least one 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 9330 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x based) connected to the TCP / IP-based backbone network through the Internet banking server At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face insurance transaction service to at least one insurance customer through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the insurance system 9330 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. 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 (9330) is characterized in that it is linked to 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 9330 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 insurance transaction service to at least one insurance customer through a GSM terminal and / or a smartphone).

In addition, the insurance system (9330) is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network through a home banking server) Provide non-face to face insurance services to at least one insurance customer.

In addition, the insurance system 9930 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. 56, the insurance system 9330 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 the 9930 and at least one other insurance system 9330 (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 9330 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 9330 may include the insurance system. An interface module corresponding to a middleware platform that provides inter-component interfacing in the system 9330, and predetermined information (e.g., ledger information) required for each function in a component in the insurance system 9330 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 9330 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 in which the insurance system 9330 is provided, and the purpose and characteristics of the insurance system 9330. 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 ( 9330 will be familiar with the detailed technical matters, detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

In addition, the ledger information for the ledger D / B of the insurance system 9330 has more information than the information shown in the ledger D / B of the insurance system 9330 shown in Figure 93, Only information is shown.

94 shows guarantee insurance profitability information for individual customers, profitability insurance savings information for individual customers, profitability information for individual customers, and profitability information for individual customers according to the method 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, the drawing 94 takes the ledger information from the ledger D / B of the insurance system 9330 shown in the drawing 93, and the five conditions of the individual customer group through the personal customer group profitability calculation server shown in the drawing 93. Profitability information for (guaranteed insurance profitability information for individual customers, savings insurance profitability information for individual customers, new guarantee insurance profitability information for individual customers, and new savings insurance profitability information for individual customers) Regarding the process of storing and registering the information in the D / B of the individual customer group profitability calculation server, and having a general knowledge in the field to which the present invention belongs, referring to FIG. 94 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 FIG. 94 and all inferred implementations It includes.

Hereinafter, in Fig. 94, the individual customer group profitability calculation server shown in Fig. 93 is referred to as " server " for convenience.

Referring to FIG. 94A, the server accesses the insurance system 9330 through a predetermined communication network, requests the server to provide the ledger information of the insurance system 9330 ledger D / B for the profitability calculation. In response, the insurance system 9330 provides the ledger information of the ledger D / B to the server (9400a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the insurance system 9330 and 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 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 9330 (9405a).

When extracting information about a group 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. 94a, only the portion of the individual customer group is processed. (9410a).

Thereafter, the server checks the profitability information of the guarantee insurance corresponding to the individual customer group (9415a), and stores and registers the confirmed profitability information in the server D / B (9420a).

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. 94B, the server accesses the insurance system 9330 through a predetermined communication network, requests the server to provide ledger information of the insurance system 9330 ledger D / B for the profitability calculation. In response, the insurance system 9330 provides the ledger information of the ledger D / B to the server (9400b).

Here, the ledger information preferably refers to savings insurance information associated with customer information and customer information stored and registered in the ledger D / B of the insurance system 9330.

In addition, the customer information preferably 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 9330 (9405b).

If information about groups other than the individual customer group is extracted from the savings insurance information, processing is performed with reference to the other drawings shown in the present invention according to each group, and in FIG. 94b, only the portion of the individual customer group is processed. (9410b).

Thereafter, the server checks the profitability information of the savings insurance corresponding to the individual customer group (9415b), and stores and registers the confirmed profitability information in the server D / B (9420b).

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. 94c, the server accesses the insurance system 9330 through a predetermined communication network, requests the server to provide ledger information of the insurance system 9330 ledger D / B for the profitability calculation. In response, the insurance system 9330 provides the ledger information of the ledger D / B to the server (9400c).

Here, the ledger information preferably refers to customer information registered and stored in the ledger D / B of the insurance system 9330 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 9330 (9405c).

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. 94c, only the portion of the individual customer group is processed. (9410c).

Thereafter, the server checks the profitability information of the guarantee insurance corresponding to the individual customer group (9415c), and stores and registers the checked profitability information in the server D / B (9420c).

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. 94D, the server accesses the insurance system 9330 through a predetermined communication network, requests the server to provide ledger information of the insurance system 9330 ledger D / B for the profitability calculation. In response, the insurance system 9330 provides the ledger information of the ledger D / B to the server (9400d).

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 9330.

In addition, the customer information preferably 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 9330 (9405d).

When extracting information on groups other than the individual customer group 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. 94d, only the portion of the individual customer group is processed. (9410d).

Thereafter, the server checks the profitability information of the guarantee insurance corresponding to the individual customer group (9415d), and stores and registers the confirmed profitability information in the server D / B (9420d).

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.

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

In more detail, FIG. 95 shows customer information (eg, social security number, customer name, etc.) and one or more guarantee insurance information (eg, cancer insurance, accident insurance, car insurance, driver) associated with the customer information for calculating profitability of the corporate group. Insurance), or one or more savings insurance information (e.g., pension insurance, education insurance, etc.) associated with the customer information, one or more new coverage insurance information, or one or more new savings insurance information associated with the customer information The internal configuration of the system for calculating profitability for a company is provided by extracting the information corresponding to the company group from the system 9330 and checking the information on the company group from the extracted information. Those skilled in the art can refer to the drawing 95 to provide a variety of systems for calculating profitability of corporate groups. Although the implementation method may be inferred, the present invention is not limited to this drawing 95, but includes all the implementation methods inferred.

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

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 9330 for providing at least one financial transaction (eg, insurance coverage, insurance savings, etc.) services.

The corporate group profitability calculation server extracts customer information, at least one guarantee insurance information associated with the customer information, at least one savings insurance information, or new guarantee insurance information, or new savings insurance information from the insurance system (9330), The method of checking the profitability of the corporate group according to the customer information is preferred, and if you have ordinary knowledge in the field to which the present invention belongs, referring to Figure 95 is responsible for the company to check the profitability of the corporate group Various information for calculating the profitability of a company group, such as the cost of employees (eg, employee wages), can be added. However, in FIG. 95, elements of the cost of employees are not used to calculate profitability and thus 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 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. 95, the corporate group profitability calculation server includes an information receiver 9505 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the insurance system 9330, and the ledger D. Information extraction unit 9510 (or information extraction means) for extracting necessary information from information received from / B, information confirmation unit 9515 (or information confirmation means) for confirming information extracted from the ledger D / B, And a profitability calculation unit 9520 (or profitability calculation means) for calculating profitability information from the identified information, and an information storage unit 9525 (or information storage means) for storing the 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 9330, and 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 an embodiment of the present invention, the information receiving unit 9505 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 9330, including at least one new guarantee insurance information or at least one new savings insurance information linked to the customer information. The extraction unit 9510 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 9330 in order to calculate profitability for the company group.

According to the exemplary embodiment of the present invention, the information extracting unit 9510 extracts information about a company from the customer information received from the information receiving unit 9505 and one or more guarantee insurance information associated with the customer information to confirm the information. The information about the company may be extracted from the customer information received from the information receiving unit 9505 or one or more savings insurance information associated with the customer information, and provided to the information checking unit 9515. Or extract information about the company from the customer information received from the information receiving unit 9505 or one or more new insurance information associated with the customer information and provide the information to the information checking unit 9515, or the information. The information about the company is extracted from the customer information received from the receiver 9505 and one or more new savings insurance information associated with the customer information. Information provides a confirmation unit (9515).

According to the exemplary embodiment of the present invention, the information checking unit 9515 identifies the company from the customer information extracted from the information extracting unit 9510 and information about the company from one or more guarantee insurance information associated with the customer information. The profitability calculation unit 9520 or the information extraction unit 9510 or the customer information extracted from one or more savings insurance information associated with the customer information from the information on the company to check the company to calculate the profitability Provided to the unit 9520 or the customer information extracted from the information extraction unit 9510 or at least one new guarantee insurance information associated with the customer information to confirm the company to provide to the profitability calculation unit 9520 or Or identify the company from one or more new savings insurance information associated with the customer information extracted from the information extraction unit 9510 and the customer information. And it provides it to open the profitability calculation unit (9520).

The profitability calculation unit 9520 may provide guarantee insurance profitability information for a company provided by the information confirmation unit 9515, 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 including at least one savings insurance profitability information, and provides the calculated company information, the profitability information for the company to the information storage unit 9525. .

jklee

According to the implementation method of the present invention, the profitability calculation unit 9520 is a profitability such as profits from cancer insurance, profits from accident insurance, profits from driver insurance, profits from auto insurance, etc. It is desirable to calculate profitability information by including at least one information.

Here, the guarantee insurance profitability information according to the guarantee insurance information of the company is profits due to the payment for maintaining cancer insurance, profits due to the payment for maintaining insurance insurance, profits from the driver insurance payments, to maintain the auto insurance subscription It is preferable to include at least one or more of profits due to the payment.

In addition, the profitability calculation unit 9520 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 9520 includes 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 9520 may calculate profitability information by including at least one of profits from pension insurance, income from education insurance, and the like in 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 method of the present invention, the information storage unit 9525 stores the profitability information provided by the profitability calculation unit 9520 in the D / B provided in the corporate group profitability calculation server, or the profitability calculation unit 9520 It is linked with a separate D / B server having a D / B for storing profitability information provided by the communication network.

According to the implementation method of the present invention, the insurance system 9330 is for providing the ledger information to the corporate group profitability calculation server in connection with the ledger D / B in the insurance system 9330 in connection with the corporate group profitability calculation server It provides a function, and detailed description of the internal configuration has been described with reference to Figure 93, it will be omitted.

In addition, the ledger information for the ledger D / B of the insurance system 9330 has more information than the information shown in the ledger D / B of the insurance system 9330 shown in Figure 95, but the information for calculating the corporate group profitability Shows the bay.

Figure 96 is a guarantee insurance profitability information for companies, profitability information for savings insurance for companies, new insurance coverage profitability information for companies, new savings insurance profitability information for companies in accordance with the implementation 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.

More specifically, the drawing 96 obtains the ledger information from the ledger D / B of the insurance system 9330 illustrated in FIG. 93, and the five conditions of the corporate group through the corporate group profitability calculation server shown in FIG. Profitability information for guarantee insurance profitability information, profitability information for savings insurance for companies, profitability information for new guarantee insurance for companies, profitability information for new savings insurance for companies, 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 96 to infer various implementation methods of a system for calculating profitability of an enterprise group. As will be appreciated, the present invention is not limited to this drawing 96 but includes all the inferred implementation methods.

Hereinafter, in Fig. 96, the corporate group profitability calculation server shown in Fig. 95 is referred to as " server " for convenience.

Referring to FIG. 96a, the server accesses the insurance system 9330 through a predetermined communication network, requests the server to provide ledger information of the insurance system 9330 ledger D / B for the profitability calculation. In response, the insurance system 9330 provides the ledger information of the ledger D / B to the server (9600a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the insurance system 9330 and 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 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 corporate group from the ledger information provided from the insurance system 9330 (9605a).

If information on groups other than the corporate 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. 9610a).

Thereafter, the server checks the profitability information of the guarantee insurance corresponding to the corporate group (9615a), and stores and registers the confirmed profitability information in the server D / B (9620a).

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. 96b, the server accesses the insurance system 9330 through a predetermined communication network, requests the server to provide ledger information of the insurance system 9330 ledger D / B for the profitability calculation. In response, the insurance system 9330 provides the ledger information of the ledger D / B to the server (9600b).

Here, the ledger information preferably refers to savings insurance information associated with customer information and customer information stored and registered in the ledger D / B of the insurance system 9330.

In addition, the customer information preferably 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 9330 (9605b).

If information about groups other than the corporate group is extracted from the savings insurance information, processing is performed by referring to the other drawings shown in the present invention according to each group, and in FIG. 9610b).

Thereafter, the server checks the profitability information of the savings insurance corresponding to the corporate group (9615b), and stores and registers the confirmed profitability information in the server D / B (9620b).

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. 96c, the server accesses the insurance system 9330 through a predetermined communication network, requests the server to provide ledger information of the insurance system 9330 ledger D / B for the profitability calculation. In response, the insurance system 9330 provides the ledger information of the ledger D / B to the server (9600c).

Here, the ledger information preferably refers to customer information registered and stored in the ledger D / B of the insurance system 9330 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 company group from the ledger information provided from the insurance system 9330 (9605c).

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 in FIG. 96c, only the part of the corporate group is processed ( 9610c).

Thereafter, the server checks the profitability information of the guarantee insurance corresponding to the corporate group (9615c), and stores and registers the confirmed profitability information in the server D / B (9620c).

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. 96d, the server accesses the insurance system 9330 through a predetermined communication network, requests the server to provide ledger information of the insurance system 9330 ledger D / B for the profitability calculation. In response, the insurance system 9330 provides the ledger information of the ledger D / B to the server (9600d).

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 9330.

In addition, the customer information preferably 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 9330 (9605d).

If information on groups other than the corporate group is extracted 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. 9610d).

Thereafter, the server checks the profitability information of the guarantee insurance corresponding to the corporate group (9615d), and stores and registers the confirmed profitability information in the server D / B (9620d).

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.

97 is a diagram illustrating a system configuration for storing valid and valid profitability information by receiving profitability information from an insurance individual customer group profitability calculation server 9300 and an insurance company customer group profitability calculation server 9500 according to an embodiment of the present invention. It is.

In more detail, Figure 97 shows the individual customer group, the customer information of the corporate customer group (for example, social security number, customer name, etc.), the profitability information associated with the customer information insurance personal customer group profit calculation server 9300, insurance corporate customers As shown in the internal configuration of the system for checking the validity of the individual customer group profitability information, the corporate customer group profitability information received from the group profitability calculation server 9500, and storing and registering the validated profitability information. If one of ordinary skill in the art to which the present invention pertains, various embodiments of the system for calculating insurance integrated profitability may be inferred with reference to this drawing 97, but the present invention is not limited to this drawing 97, 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 ( 9700), insurance individual customer group profitability calculation server (9300), corporate customer providing profitability information to insurance integrated customer profitability calculation server (9700) by calculating profitability by linking profitability information of individual customer group with insurance system (9330) Insurance company customer group profitability calculation server 9500, branch of a financial institution (or branch) that provides profitability information to insurance integrated customer profit calculation server 9700 by calculating profitability by linking the profitability information of the group with insurance system 9330 At least one financial transaction (eg, through one or more face-to-face or non-face-to-face financial trading channels) , Protection-type is characterized in that formed by having the care system (9330) for providing sales, savings insurance sales, etc.) services.

The insurance integrated customer profitability calculation server 9700 receives customer information and profitability information associated with the customer information from an insurance individual customer group profitability calculation server 9300 and an insurance company customer group profitability calculation server 9500, wherein the customer It is preferable to check the profitability of the individual customer group and the profitability of the corporate customer group according to the information. Those skilled in the art belong to the present invention. Various information can be added for the calculation of insurance integrated profitability, such as the cost (e.g., employee wages) for the employee in charge, but in FIG. 97, the factor of the employee's cost is not used to calculate profitability. 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 9700 has a D / B for storing the profitability calculation results for each group, or a separate D / B server and communication network having a D / B for saving the profitability calculation results for each group. It is linked through.

Referring to FIG. 97, the insurance integrated customer profitability calculation server 9700 receives customer information of an individual customer group and personal customer group profitability information associated with the customer information from the insurance individual customer group profitability calculation server 9300, Or an information receiving unit 9905 (or information) including at least one function of receiving customer information of the corporate customer group and corporate customer group profitability information associated with the customer information from the insurance corporate customer group profitability calculation server 9500. Receiving means), an information checking unit (9710) (or information confirmation means) for confirming the information received from the insurance individual customer group profitability calculation server 9300, insurance company customer group profitability calculation server 9500, the confirmed profitability And an information storage section 9715 (or information storage means) for storing information in the D / B.

According to the exemplary embodiment of the present invention, the information receiving unit 9905 receives customer information and profitability information associated with the customer information from the insurance individual customer group profit calculation server 9300 and the insurance company customer group profit calculation server 9500. The information checking unit 9710 is provided.

According to the exemplary embodiment of the present invention, the information checking unit 9710 checks the individual customer group in the customer information received from the information receiving unit 9705 and the profitability information associated with the customer information, and stores the information storage unit 9715. Or the corporate customer group is identified from the customer information received from the information receiving unit 9905 and profitability information associated with the customer information, and provided to the information storage unit 9715.

According to an embodiment of the present invention, the information storage unit 9715 is provided with the D / B provided in the insurance integrated customer profitability calculation server 9700 for the profitability information of the individual customer group and the corporate customer group provided by the information receiving unit 9705. It is linked to a separate D / B server having a D / B for storing the profitability information of the individual customer group, the corporate customer group provided by the information check unit (9710) or via a communication network.

According to the implementation method of the present invention, the insurance individual customer group profitability calculation server 9300 is provided with ledger information from the ledger D / B in the insurance system 9330 in connection with the insurance system 9930, the profitability of the individual customer group It provides a function for calculating, and since the detailed description of the internal configuration has been described with reference to Figure 93, it is omitted.

According to the implementation method of the present invention, the insurance corporate customer group profitability calculation server 9500 is provided with ledger information from the ledger D / B in the insurance system 9330 in connection with the insurance system 9930, 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 95, it is omitted.

According to the implementation method of the present invention, the insurance system 9330 is connected to the ledger D / B in the insurance system (9330) in association with the personal customer group profitability calculation server, the corporate customer group profitability calculation server to the ledger information 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 93, it will be omitted.

In addition, the ledger information for the ledger D / B of the insurance system 9330 has more information than the information shown in the ledger D / B of the insurance system 9330 shown in Figure 97, but the individual customer group profitability calculation, Only the information for calculating customer group profitability is shown.

98 shows the operational flow of the system for checking and storing profitability information of individual customer groups and corporate customer groups according to an embodiment of the present invention.

More specifically, FIG. 98 shows individual customer group profitability information from the D / B of the insurance individual customer group profitability calculation server 9300 shown in FIG. 87, or the insurance company customer group profitability calculation server 9500 shown in FIG. The corporate customer group profitability information from the D / B of the third) to check the profitability information for the two groups (individual customer group, corporate customer group) through the insurance integrated customer profitability calculation server (9700) shown in FIG. Regarding the process of storing and registering the checked information in the D / B of the insurance integrated customer profitability calculation server 9700, the person having ordinary knowledge in the field to which the present invention belongs, Various implementation methods of the system for integrated profitability calculation may be inferred, but the present invention is not limited to the drawing 98, and includes all the implementation methods inferred.

Hereinafter, in FIG. 98, the insurance integrated customer profit calculation server 9700 shown in FIG. 97 is referred to as "server" for convenience.

Referring to FIG. 98A, the server accesses the insurance individual customer group profitability calculation server 9300 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (9800a).

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

The profitability information may include at least one guarantee insurance profitability information, savings insurance profitability information, new guarantee insurance profitability information, and new savings insurance profitability information.

In this case, the guarantee insurance profitability information may include at least profits from payments for maintaining cancer insurance, payments from payments for maintaining insurance insurance, revenues from driver insurance payments, and payments from maintenance payments for auto insurance. It is preferable to include one or more.

Here, the savings insurance profitability information may include at least one or more of payments made by pension insurance, payments made by pension insurance, payments made by education insurance, and payments made by education insurance.

Here, the profitability information of the new insurance coverage is potential revenue due to payments for maintaining cancer insurance, potential profits from payments for maintaining insurance insurance, potential profits from driver insurance payments, and payments for maintenance of automobile insurance. It is desirable to include at least one or more potential revenue.

Here, the new savings insurance profitability information includes at least one potential payment income from pension insurance, potential payment operation profit from pension insurance, potential payment income from education insurance, and potential payment operation profit from education insurance. It is preferable.

Thereafter, the server checks the information corresponding to the individual customer group from the profitability information provided from the insurance individual customer group profitability calculation server 9300 (9805a).

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. 98a, only the part of the individual customer group is processed. (9810a).

Thereafter, the server stores and registers the profitability information of the identified individual customer group in the server D / B (9815a).

Referring to FIG. 98B, the server connects to the insurance corporate customer group profitability calculation server 9500 through a predetermined communication network, and provides the server with customer information for profitability calculation and profitability information associated with customer information. (9800b).

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

The profitability information may include at least one guarantee insurance profitability information, savings insurance profitability information, new guarantee insurance profitability information, and new savings insurance profitability information.

In this case, the guarantee insurance profitability information may include at least profits from payments for maintaining cancer insurance, payments from payments for maintaining insurance insurance, revenues from driver insurance payments, and payments from maintenance payments for auto insurance. It is preferable to include one or more.

Here, the savings insurance profitability information may include at least one or more of payments made by pension insurance, payments made by pension insurance, payments made by education insurance, and payments made by education insurance.

Here, the profitability information of the new insurance coverage is potential revenue due to payments for maintaining cancer insurance, potential profits from payments for maintaining insurance insurance, potential profits from driver insurance payments, and payments for maintenance of automobile insurance. It is desirable to include at least one or more potential revenue.

Here, the new savings insurance profitability information includes at least one potential payment income from pension insurance, potential payment operation profit from pension insurance, potential payment income from education insurance, and potential payment operation profit from education insurance. It is preferable.

Thereafter, the server checks the information corresponding to the corporate customer group from the profitability information provided from the insurance corporate customer group profitability calculation server 9500 (9805b).

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. (9810b).

Thereafter, the server stores and registers the profitability information of the identified corporate customer group in the server D / B (9815b).

99 is a bank integrated customer profit calculation server (6500), securities integration customer profit calculation server (7500), trust integration customer profit calculation server (8500), card integrated customer profit calculation server (9100), 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 9700 is shown.

In more detail, Figure 99 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. (6500), securities integration customer profit calculation server (7500), investment integration customer profit calculation server (8500), card integration customer profit calculation server (9100), insurance integrated customer profit calculation server (9700), received by each 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 drawing 99 Various implementation methods of the system for calculating profitability may be inferred, but the present invention is not limited to the drawing 99, but includes all the implementation methods inferred from the above. 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 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.

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 (6500) to calculate profitability by bank's customer group to calculate integrated profitability information, securities integration customer profitability calculation server (7500), and investment integration customer profitability calculation to calculate profitability by customer group of securities Server 8500, card integrated customer profitability calculation server 9100 for calculating profitability of each customer group of cards, insurance integrated customer profitability calculation server (9700), bank, securities, trust, card for calculating profitability by customer group of insurance All customers by receiving customer information and profitability information for each customer group from group affiliates such as insurance, insurance, or affiliates Provided with a group of integrated for the customer group for profitability information calculating customer profitability calculation server (9900) it is characterized in that formed.

The group integrated customer profitability calculation server 9900 may include customer information, profitability information associated with the customer information, bank integrated customer profitability calculation server 6500, securities integration customer profitability calculation server 7500, and trust integration customer profitability calculation server ( 8500), card integrated customer profitability calculation server 9100, insurance integrated customer profitability calculation server (9700) received from the method of calculating the profitability per customer of the group integration according to the customer information is preferred, in the field to which the present invention belongs If you have knowledge of this, you can add various information for calculating group integration profitability, such as the cost (e.g., employee wages), etc. However, in FIG. 99, 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 9900 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. 99, the group integrated customer profit calculation server 9900 receives customer information from the bank integrated customer profit calculation server 6500 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 7500, customer-specific profitability information according to the customer classification of the securities linked to the customer information, or customer information from the investment integration customer profitability calculation server 8500; Receive customer-specific profitability information according to the customer classification of the investment linked to the customer information, or customer information from the card integrated customer profit calculation server 9100, customer-specific profitability information according to the customer classification of the card linked to the customer information Customer profitability based on the customer information received from the insurance integrated customer profitability calculation server 9700 or insurance associated with the customer information Information receiving unit (9905) (or information receiving means), the bank integrated customer profit calculation server 6500, the securities integration customer profit calculation server 7500, the investment integration customer profitability An information extraction unit 9910 (or information extraction means) for extracting necessary information from information received from a calculation server 8500, the card integrated customer profitability calculation server 9100, and the insurance integrated customer profitability calculation server 9700; An information confirmation unit 9915 (or information confirmation means) for confirming the extracted information, a profitability calculation unit 9920 (or a profitability calculation means) for calculating profitability information from the identified information, and the profitability calculation information D / And an information storage section 9925 (or information storage means) stored in B.

According to the exemplary embodiment of the present invention, the information receiving unit 9905 may include customer information and profitability information associated with the customer information in the bank integrated customer profitability calculation server 6500, the securities integration customer profitability calculation server 7500, and the investment. An integrated customer profitability calculation server 8500, the card integrated customer profitability calculation server 9100, and the insurance integrated customer profitability calculation server 9700 are provided to the information extraction unit 9910.

According to the exemplary embodiment of the present invention, the information extracting unit 9910 extracts the customer information for each group to which the customer belongs from the customer information provided by the information receiving unit 9905 and the profitability information associated with the customer information. Provided by (9915).

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 9915 stores the information on the individual customer group in the customer information provided by the information extracting unit 9910 and the profitability information associated with the customer information, and stores the information. The information checking unit 9915 may provide the information to the PB customer group from the customer information provided by the information extracting unit 9910 and the profitability information associated with the customer information. The information providing unit 9915 may be provided to the storage unit 9925, or the information checking unit 9915 may check the information on the special customer group in the customer information provided by the information extraction unit 9910 and the profitability information associated with the customer information. The information storage unit 9925 or the information checking unit 9915 checks the information on the corporate customer group from the customer information provided by the information extraction unit 9910 and the profitability information associated with the customer information. To the information provided to the storage unit (9925).

In addition, the information checking unit 9915 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 9910 to the profitability calculation unit 9920. The information checking unit 9915 may provide information about the PB customer group from the customer information provided by the information extracting unit 9910 and the profitability information associated with the customer information, and the profitability calculating unit 9920. Alternatively, or the information checking unit 9915 may check the information on the special customer group from the customer information provided by the information extraction unit 9910 and the profitability information associated with the customer information, and calculate the profitability calculating unit 9920. Or the information checking unit 9915 checks the information on the corporate customer group in the customer information provided by the information extracting unit 9910 and the profitability information associated with the customer information. Profitability and provides the calculation unit (9920).

The profitability calculation unit 9920 may be provided by an affiliate including at least one of the customer information and the profitability information associated with the customer information provided by the information confirmation unit 9915, such as a bank, a securities, a trust, a card, and an insurance. It is characterized in that to calculate the customer-specific profitability information by the integrated customer group in connection with all of the customer information, and provides the calculated customer information, the profitability information associated with the customer information to the information storage unit (9925).

According to the implementation method of the present invention, the profitability calculation unit 9920 may provide the customer information for the individual customer group provided by the respective servers, the customer matching the individual customer group in the profitability information associated with the customer information, respectively It is preferable to calculate group integrated profitability information for individual customer groups by checking the customer information for each group provided by the server.

In addition, the profitability calculation unit 9920 is a group that provides the customer information for the PB customer group provided by the respective server, the customer corresponding to the PB customer group in the profitability information associated with the customer information in 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 9920 is a group that provides the customer information for the special customer group provided by the respective server, the customer corresponding to the special customer group in the profitability information associated with the customer information in 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 9920 is a group that provides the customer information for the corporate customer group provided by the respective server, the customer matching the enterprise customer group in the profitability information associated with the customer information in each server It is desirable to calculate group integrated profitability information for corporate customer groups by checking customer information.

According to an embodiment of the present invention, the information storage unit 9925 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 9915 or the profitability calculation unit 9920. Is stored in the D / B provided in the group integrated customer profitability calculation server 9900, or provided by the personal information group, PB customer group, special customer group, company provided by the information confirmation unit 9915 or profitability calculation unit 9920 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 6500 is the bank personal customer group profit calculation server 5700, the bank PB customer group profit calculation server 5900, the bank special customer group profit calculation server 6100 ), Receiving the customer information, profitability information associated with the customer information from the bank corporate customer group profitability calculation server 6300 provides a function to calculate the profitability for each customer group, detailed description of the internal configuration through the drawing 65 Since it demonstrated, illustration is abbreviate | omitted.

According to the implementation method of the present invention, the securities integrated customer profit calculation server 7500 is the securities individual customer group profit calculation server 6700, securities PB customer group profit calculation server 6900, securities special customer group profit calculation server 7100 ), The securities corporate customer group profitability calculation server (7300) receives the customer information, the profitability information associated with the customer information to provide the function to calculate the profitability for each customer group, the detailed description of the internal configuration through Figure 75 Since it demonstrated, illustration is abbreviate | omitted.

According to the implementation method of the present invention, the integrated investment customer profit calculation server 8500 is the investment personal customer group profit calculation server 7700, the investment PB customer group profit calculation server 7900, the investment special customer group profit calculation server 8100 ), Receiving the customer information and profitability information associated with the customer information from the trust enterprise customer group profitability calculation server 8300 provides a function to calculate the profitability for each customer group, the detailed description of the internal configuration through the drawing 85 Since it demonstrated, illustration is abbreviate | omitted.

According to the implementation method of the present invention, the card integrated customer profit calculation server 9100 is linked with the customer information, the customer information from the card personal customer group profit calculation server 8700, the card enterprise customer group profit calculation server 8900 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 91, it will be omitted.

According to the implementation method of the present invention, the insurance integrated customer profit calculation server 9700 is connected to the customer information, the customer information from the insurance individual customer group profitability calculation server 9300, the insurance company customer group profitability calculation server 9500 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 FIG.

100 illustrates an operation flow of a system for identifying and storing profitability information for each customer of an individual customer group, a PB customer group, a special customer group, and an enterprise customer group according to an embodiment of the present invention.

In more detail, the drawing 100 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 6500 shown in FIG. 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 stock integrated customer profitability calculation server 7500 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 FIG. 91 from the D / B of the trusted integrated customer profitability calculation server 8500 shown in FIG. From the D / B of the profitability calculation server 9100 From the D / B of the individual customer group profitability information, the corporate customer group profitability information, and the insurance integrated customer profitability calculation server 9700 shown in FIG. The four groups (individual customer group, PB customer group, special customer group, corporate customer group) by bringing the profitability information of the individual customer group and the profitability information of the corporate customer group through the group integrated customer profit calculation server 9900 shown in FIG. (B) confirming the profitability information on the information, and storing and registering the checked information in the D / B of the group integrated customer profit calculation server 9900, and having a general knowledge in the field to which the present invention belongs. With reference to the drawing 100, it will be able to infer various implementation methods of the system for calculating the group integrated profitability, but the present invention is not limited to the drawing 100, and includes all the implementation methods inferred.

Hereinafter, in FIG. 100, the group integrated customer profit calculation server 9900 illustrated in FIG. 99 is referred to as a “server” for convenience.

Referring to FIG. 100a, the server integrated customer profit calculation server 6500, the security integration customer profit calculation server 7500, the investment integration customer profit calculation server 8500, and the card integration through a predetermined communication network in the server. A customer profit calculation server 9100 is connected to the insurance integrated customer profit calculation server 9700, and the bank integrated customer profit calculation server 6500, the securities integration customer profit calculation server 7500, and the investment integration customer profit calculation are made. The server 8500, the card integrated customer profit calculation server 9100 and the insurance integrated customer profit calculation server 9700 provide the server with customer information for profitability calculation and profitability information associated with customer information (10000a). ).

In addition, the customer information preferably 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 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 6500, the securities integrated customer profit calculation server 7500, the investment integration customer profit calculation server 8500, and the card integrated customer profit calculation server 9100. The information corresponding to the individual customer group is extracted from the profitability information provided from the insurance integrated customer profitability calculation server 9700 (10005a).

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. 100a, only the part of the individual customer group is processed. (10010a).

Thereafter, the server calculates profitability information for each customer of the identified individual customer group (10015a), and stores and registers the server D / B (10020a).

Referring to FIG. 100B, the server integrated customer profit calculation server 6500, the securities integration customer profit calculation server 7500, the investment integration customer profit calculation server 8500, and the card integration through a predetermined communication network in the server. A customer profit calculation server 9100 is connected to the insurance integrated customer profit calculation server 9700, and the bank integrated customer profit calculation server 6500, the securities integration customer profit calculation server 7500, and the investment integration customer profit calculation are made. The server 8500, the card integrated customer profit calculation server 9100, and the insurance integrated customer profit calculation server 9700 provide the server with customer information for profitability calculation and profitability information associated with customer information (10000b). ).

In addition, the customer information preferably 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 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 6500, the securities integrated customer profit calculation server 7500, the investment integration customer profit calculation server 8500, and the card integrated customer profit calculation server 9100. The information corresponding to the PB customer group is extracted from the profitability information provided from the insurance integrated customer profitability calculation server 9700 (10005b).

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. (10010b).

Thereafter, the server calculates profitability information for each customer of the identified PB customer group (10015b), and stores and registers the server D / B (10020b).

Referring to FIG. 100c, the server integrates the customer profit calculation server 6500, the securities integration customer profit calculation server 7500, the investment integration customer profit calculation server 8500, and the card integration through a predetermined communication network. A customer profit calculation server 9100 is connected to the insurance integrated customer profit calculation server 9700, and the bank integrated customer profit calculation server 6500, the securities integration customer profit calculation server 7500, and the investment integration customer profit calculation are made. The server 8500, the card integrated customer profit calculation server 9100, and the insurance integrated customer profit calculation server 9700 provide the server with customer information for profitability calculation and profitability information associated with customer information (10000c). ).

In addition, the customer information preferably 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 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 6500, the securities integrated customer profit calculation server 7500, the investment integration customer profit calculation server 8500, and the card integrated customer profit calculation server 9100. The information corresponding to the special customer group is extracted from the profitability information provided from the insurance integrated customer profitability calculation server 9700 (10005c).

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. 100c, only the part of the special customer group is processed. (10010c).

Thereafter, the server calculates profitability information for each customer of the identified special customer group (10015c), and stores and registers the server D / B (10020c).

Jklee

Referring to FIG. 100D, the server integrates the customer profit calculation server 6500, the security integration customer profit calculation server 7500, the investment integration customer profit calculation server 8500, and the card integration through a predetermined communication network. A customer profit calculation server 9100 is connected to the insurance integrated customer profit calculation server 9700, and the bank integrated customer profit calculation server 6500, the securities integration customer profit calculation server 7500, and the investment integration customer profit calculation are made. The server 8500, the card integrated customer profit calculation server 9100, and the insurance integrated customer profit calculation server 9700 provide the server with customer information for profitability calculation and profitability information associated with customer information (10000d). ).

In addition, the customer information preferably 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 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 6500, the securities integrated customer profit calculation server 7500, the investment integration customer profit calculation server 8500, and the card integrated customer profit calculation server 9100. The information corresponding to the special customer group is extracted from the profitability information provided from the insurance integrated customer profitability calculation server 9700 (10005d).

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. 100d, only the part of the special customer group is processed. (10010d).

Thereafter, the server calculates profitability information for each customer of the identified special customer group (10015d), and stores and registers the server D / B (10020d).

101 shows the configuration of the entire system for profitability calculation for each non-facing channel according to the embodiment of the present invention.

In more detail, in FIG. 101, in order to calculate the profitability of each non-face-to-face channel according to the customer, the unit of profitability calculation is divided into eight units, the profitability of each unit is calculated in each of the eight servers, and the results of the eight servers are non-face-to-face. Figure 1 shows a system for operating the profitability calculation results through the channel-specific profitability calculation server 10100, and those skilled in the art to which the present invention pertains, the profitability for each non-facing channel with reference to FIG. Various implementation methods of operating the calculations and calculation results may be inferred, but the present invention is not limited to this drawing 101, and includes all the implementation methods inferred from the above.

Referring to FIG. 101 according to the embodiment of the present invention, the entire system 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 10105 and a PB customer group profitability calculation server 10110. Special customer group profitability calculation server (10115), corporate customer group profitability calculation server (10120), age-specific profitability calculation server (10125), regional profitability calculation server (10130), gender profitability calculation server (10135), job profitability calculation server 10140, the non-facing channel-specific profitability calculation server 10100 and the financial system 10150 are provided.

In addition, individual customer group profitability calculation server (10105), PB customer group profitability calculation server (10110), special customer group profitability calculation server (10115), corporate customer group profitability calculation server (10120), age-specific profitability calculation server (10125), Regional profitability calculation server (10130), gender profitability calculation server (10135), job profitability calculation server (10140), non-facing channel profitability calculation server (10100) may be provided inside the financial system (10150), It may be provided outside of the system 10150.

In addition, individual customer group profitability calculation server (10105), PB customer group profitability calculation server (10110), special customer group profitability calculation server (10115), corporate customer group profitability calculation server (10120), age-specific profitability calculation server (10125), Regional profitability calculation server 10130, gender profitability calculation server 10135, job profitability calculation server 10140, non-facing channel-specific profitability calculation server 10100 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 10150 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 may calculate the profitability of the individual customer group non-face-to-face channel, the profitability calculation result of the PB customer group non-face-to-face channel, the profitability calculation result of the non-face-to-face channel of the special customer group, and the profitability calculation result of the non-face-to-face channel of the corporate customer group. , 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 results of profitability calculation by non-face-to-face channel for job. Characterized in that it comprises at least one or more functions to calculate 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 10105 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 10110 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 10115 calculates profitability by the account product or non-account product of the special customer group or profitability by joining a new account product or a new non-account product of the special customer group. It is characterized by providing a calculation function.

According to an embodiment of the present invention, the corporate customer group profitability calculation server 10120 may calculate profitability by accounting products or non-accounting products of the corporate customer group, or profitability of 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 10125 provides a profitability calculation function according to age-based accounting products or non-accounting product profitability calculation or age-specific new accounting products or new non-accounting product subscription. It is done.

According to the implementation method of the present invention, the regional profitability calculation server 10130 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 10135 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 10140 for each job provides a profitability calculation function according to a profitability calculation by a job account product or a non-account product or a new account product or a new non-account product subscription by job. Characterized in that.

According to the exemplary embodiment of the present invention, the non-facing channel-specific profitability calculation server 10100 may be calculated by the profitability information calculated by the individual customer group profitability calculation server 10105 or the PB customer group profitability calculation server 10110. Profitability information, or profitability information calculated by the special customer group profitability calculation server 10115, or profitability information calculated by the corporate customer group profitability calculation server 10120, or profitability calculated by the age-specific profitability calculation server 10125 Integrated profitability calculation function comprising at least one of information or profitability calculation server 10140, profitability information calculated by gender profitability calculation server 10135, or profitability information calculated by job profitability calculation server 10140. It characterized in that to provide.

According to an embodiment of the present invention, the financial system 10150 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 10150 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 10150 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based network connected to the TCP / IP-based backbone network through the Internet banking server) At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 10150 is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. 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 10150 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 10150 is characterized in that it is associated with a predetermined telebanking server, and is connected to a predetermined wired voice call 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 10150 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 10150 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. 101, the financial system 10150 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 10150 and at least one other financial system 10150 (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.) And an external system that provides access to the stem 10150 and / or provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). 10150 is an interface module corresponding to a middleware platform that provides inter-component interfacing within the financial system 10150, and predetermined functions required for performing respective functions in the components in the financial system 10150. 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 10150 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 10150 and the purpose of the financial system 10150. 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 of ordinary skill in the art will be familiar with the detailed technical details of the financial system 10150, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

102 is a diagram showing a system configuration for calculating the profitability of an individual customer non-facing channel according to the embodiment of the present invention.

In more detail, Figure 102 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. 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 about individual customers from the extracted information to calculate profitability for each non-face-to-face channel. As those skilled in the art to which the present invention pertains, various embodiments of the system for calculating profitability of individual customers may be inferred with reference to this drawing 102, but the present invention is not limited to this drawing 102. 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 (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 individual customer group profitability calculation server 10105, the branch (or branch) of the financial institution Remittance, financial investment, etc.) is provided with a financial system 10150 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 10105 includes customer information, one or more subscription account information or one or more subscription cost information associated with the customer information, non-facing 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 10150 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. 102, a variety of information 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. 102, the factor for the cost of the non-facing channel is not shown in the figure because it is not used to calculate profitability. All.

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 personal customer group profitability calculation server 10105 has a D / B for storing profit results of individual customers or a separate D / B server and communication network having a D / B for saving profit results of individual customers. It is linked through.

Referring to FIG. 102, the personal customer group profitability calculation server 10105 is an information receiving unit 10205 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 10150. An information extracting unit 10210 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 10215 for confirming profitability information among information extracted from the ledger D / B ( Or information checking means), a profitability calculating unit 10220 (or profitability calculating means) for calculating profitability information from the profitability confirmation information, and an information storage unit 10225 (or information storing the profitability calculation information in the D / B). Storage means).

Here, the ledger D / B is a D / B provided in the financial system 10150, and the ledger D / B includes customer information, account information, non-account information, and non-facing channel information necessary for calculating profitability for an individual customer. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information receiving unit 10205 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. It receives the ledger information from the ledger D / B in conjunction with the external system of the financial system 10150 to provide to the information extraction unit 10210.

Here, the ledger information includes customer information, account information, non-account information, and non-facing channel information requested by the financial system 10150 from the individual customer group profitability calculation server 10105 to calculate profitability for the individual customer. It is preferable.

According to the exemplary embodiment of the present invention, the information extracting unit 10210 may include the customer information received from the information receiving unit 10205, 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 about the individual customer from the non-face-to-face channel information processed to the information verification unit 10215 or the new subscription account associated with the customer information, the customer information received by the information receiving unit 10205 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 10215.

According to the exemplary embodiment of the present invention, the information checking unit 10215 may include the customer information extracted by the information extracting unit 10210, one or more subscription account information or subscription account information associated with the customer information, the subscription account or subscription 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 10210, 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 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 10225 and the Provided to the profitability calculation unit 10220.

The profitability calculation unit 10220 may provide subscription account profitability information for the individual customer or subscription non-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 confirmation unit 10215. Profitability is calculated by linking with profitability information for several individual customers including at least one new subscription non-account profitability information, and provides the calculated profitability information for the individual customer to the information storage unit 10225.

According to the implementation method of the present invention, the profitability calculation unit 10220 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 10220 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 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. desirable.

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.

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 10225 stores profitability information provided by the profitability calculation unit 10220 in a D / B provided in the personal customer group profitability calculation server 10105 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 10220 through a communication network.

According to the implementation method of the present invention, the financial system 10150 calculates the profitability of the individual customer group ledger information in association with the ledger D / B in the financial system 10150 in connection with the personal customer group profitability calculation server 10105 It provides a function for providing to the server 10105, the detailed description of the internal configuration has been described with reference to Figure 101, it will be omitted.

In addition, the ledger information for the ledger D / B of the financial system 10150 has more information than the information shown in the ledger D / B of the financial system 10150 shown in Figure 102, but the information for calculating the individual customer profitability Shows the bay.

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

More specifically, the drawing 103 takes the ledger information from the ledger D / B of the financial system 10150 shown in the drawing 101, and the five conditions of the individual customer through the personal customer profitability calculation server shown in the drawing 102. Individual customer group profitability calculation server by checking profitability information about subscription account profitability information for customers, subscription expense account profitability information for individual customers, new subscription account profitability information for individual customers, and new subscription non-account profitability information for individual customers Regarding the process of storing and registering in D / B of 10105, those skilled in the art to which the present invention pertains will now refer to FIG. 103 for various implementation methods of a system for calculating profitability of an individual customer. It may be inferred, but the present invention is not limited to this drawing 103 but includes all the inferred implementation methods.

Hereinafter, in Fig. 103, the personal customer group profitability calculation server 10105 shown in Fig. 102 is referred to as " server " for convenience.

Referring to FIG. 103A, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10300a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription account information associated with the customer information, and non-face-to-face channel information processing the subscription account. Do.

In addition, the customer information preferably 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 10150 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 (10305a).

If information on groups other than the individual 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. 103a, only the part of the individual customer is processed (10310a).

Thereafter, the server checks the profitability information of the subscription account corresponding to the individual customer (10315a), and stores and registers the checked profitability information in the server D / B (10320a).

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. 103B, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for calculating the profitability. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10300b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription cost account information associated with the customer information, and non-face-to-face channel information processing the subscription cost account. Do.

In addition, the customer information preferably 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 10150 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 (10305b).

If information on groups other than the individual 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. 103b, only the part of the individual customer is processed (10310b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the individual customer (10315b), and stores and registers the checked profitability information in the server D / B (10320b).

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. 103c, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10300c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription account information associated with the customer information, and non-face-to-face channel information processing the new 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.

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 10150 as described above, the server extracts the new subscription account information from the ledger information and extracts information about the individual customer from the new subscription account information (10305c).

If information about groups other than the individual 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. 103c, only the part of the individual customer is processed (10310c).

Thereafter, the server checks the new subscription account profitability information corresponding to the individual customer (10315c), and stores and registers the checked profitability information in the server D / B (10320c).

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. 103D, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10300d).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription ratio account information associated with the customer information, and non-facing channel information processing the new subscription ratio 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.

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 10150 as described above, the server extracts the new subscription ratio account information from the ledger information and extracts information about the individual customer from the new subscription ratio account information (10305d).

If information on groups other than the individual 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. 103d, only the portion of the individual customer is processed (10310d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the individual customer (10315d), and stores and registers the confirmed profitability information in the server D / B (10320d).

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.

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

More specifically, Figure 104 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 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 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, Those skilled in the art can infer various implementation methods of the system for calculating the profitability of the PB customer with reference to this figure 104, but the present invention is not limited to this figure 104, 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 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 10110, 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 10150 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 10110 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 and new subscription account information that processed the subscription account or subscription cost account. Alternatively, a method of extracting new subscription ratio account information from the financial system 10150 and confirming the profitability of PB customers for each non-face-to-face channel based on the non-face-to-side channel information is preferable, and has a general knowledge in the field to which the present invention belongs. If so, referring to FIG. 104, various information for calculating the profitability of PB customers such as the cost of non-face-to-face channels (eg, non-face-to-face channel maintenance costs) used by PB customers may be added to the method of confirming the profitability of PB customers. However, in FIG. 104, the factor of the cost of the non-facing channel is omitted since it is not used to calculate the 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 PB customer group profitability calculation server 10110 has a D / B for storing the profitability calculation result of the PB customer or a separate D / B server and communication network having a D / B for saving the profitability calculation result of the PB customer. It is linked through.

Referring to FIG. 104, the PB customer group profitability calculation server 10110 is an information receiving unit 10405 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 10150. An information extracting unit 10410 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 10515 for confirming profitability information among information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 10420 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 10425 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 10150. The ledger D / B includes customer information, account information, non-account information, and non-facing channel information necessary for calculating profitability for PB customers. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information receiving unit 10405 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 in conjunction with the external system of the financial system 10150 and provides the information to the information extraction unit 10410.

Here, the ledger information includes customer information, account information, non-account information, and non-face-to-face channel information requested from the PB customer group profitability calculation server 10110 to the financial system 10150 in order to calculate profitability for the PB customer. It is preferable.

According to the exemplary embodiment of the present invention, the information extracting unit 10410 may include the customer information received from the information receiving unit 10405, 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 PB customer from the non-face-to-face channel information processed to provide to the information verification unit 10515, or the new subscription account associated with the customer information, the customer information received by the information receiving unit 10405 The 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 10515.

According to the exemplary embodiment of the present invention, the information checking unit 10515 may include the customer information extracted from the information extracting unit 10410, one or more subscription account information or subscription non-account information associated with the customer information, the subscription account or subscription account. Subscription account profitability information or non-account profitability information in the non-face-to-face channel information processing the non-face-to-face information, or the customer information extracted by the information extraction unit 10410, 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 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 10425 and the above The profitability calculation unit 10420 is provided.

The profitability calculation unit 10420 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 the PB customer provided by the information checking unit 10515. 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 customers is provided to the information storage unit 10425.

According to an embodiment of the present invention, the profitability calculation unit 10420 borrows a deposit for a savings account or a savings account from a subscription account information for a PB customer and receives profits such as interest income or loan interest income for a loan account. 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 (10420) in the subscription fee account information for the PB customer in the handling fees or derivative fees for the trading of derivatives or operating fees for derivatives or handling fees for the securities or ancillary services 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 an embodiment of the present invention, the information storage unit 10425 stores profitability information provided by the profitability calculation unit 10420 in a D / B provided in the PB customer group profitability calculation server 10110 or calculates the profitability. Interworking with a separate D / B server having a D / B for storing the profitability information provided by the unit 10420 through a communication network.

According to an embodiment of the present invention, the financial system 10150 calculates the profitability of the PB customer group in connection with the ledger D / B in the financial system 10150 in connection with the PB customer group profitability calculation server 10110. It provides a function for providing to the server 10110, the detailed description of the internal configuration has been described with reference to Figure 101, it will be omitted.

In addition, the ledger information for the ledger D / B of the financial system 10150 has more information than the information shown in the ledger D / B of the financial system 10150 shown in Figure 104, but the information for calculating the profitability of PB customers Shows the bay.

105 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.

More specifically, the drawing 105 takes the ledger information from the ledger D / B of the financial system 10150 shown in the drawing 101, and the five conditions (PB) of the PB customer through the PB customer profitability calculation server shown in the drawing 104. PB customer group profitability calculation server by checking profitability information on subscription account profitability information for customers, subscription cost account profitability information for PB customers, new subscription account profitability information for PB customers, and new subscription cost account profitability information for PB customers) Regarding the process of storing and registering in D / B of 10110, those of ordinary skill in the art to which the present invention pertains will refer to the drawing 105 and various implementation methods of a system for calculating profitability of PB customers. It may be inferred, but the present invention is not limited to this figure 105 and includes all the inferred implementation methods.

Hereinafter, in FIG. 105, the PB customer group profitability calculation server 10110 shown in FIG. 104 is referred to as "server" for convenience.

Referring to FIG. 105a, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10500a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription account information associated with the customer information, and non-face-to-face channel information processing the subscription account. Do.

In addition, the customer information preferably 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 10150 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 (10505a).

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. 105a, only a portion of the PB customer is processed (10510a).

Thereafter, the server checks the profitability information of the subscription account corresponding to the PB customer (10515a), and stores and registers the checked profitability information in the server D / B (10520a).

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.

105b, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10500b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription cost account information associated with the customer information, and non-face-to-face channel information processing the subscription cost account. Do.

In addition, the customer information preferably 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 10150 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 (10505b).

If information on 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. 105b, only the part for the PB customer is processed (10510b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the PB customer (10515b), and stores and registers the confirmed profitability information in the server D / B (10520b).

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.

105c, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10500c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription account information associated with the customer information, and non-face-to-face channel information processing the new 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.

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 10150 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 (10505c).

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. 105c, only the portion of the PB customer is processed (10510c).

Thereafter, the server checks the new subscription account profitability information corresponding to the PB customer (10515c), and stores and registers the confirmed profitability information in the server D / B (10520c).

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.

105D, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10500d).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription ratio account information associated with the customer information, and non-facing channel information processing the new subscription ratio 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.

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 10150 as described above, the server extracts the new subscription ratio account information from the ledger information and extracts information about the PB customer from the new subscription ratio account information (10505d).

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. 105d, only the portion of the PB customer is processed (10510d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the PB customer (10515d), and stores and registers the confirmed profitability information in the server D / B (10520d).

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.

106 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.

More specifically, Figure 106 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 (Lancus) for calculating profitability of a special customer. 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. As those skilled in the art to which the present invention pertains, various embodiments of the system for calculating profitability of special customers may be inferred with reference to this drawing 106, but the present invention is not limited to this drawing 106. 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. At least one financial transaction (eg, credit, receiving, currency exchange, foreign exchange) through a special customer group profitability calculation server 10115, at least one face-to-face or non-face-to-face financial transaction channel provided at a branch (or branch) of a financial institution. Remittance, financial investment, etc.) is provided with a financial system 10150 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 10115 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 fee account, and new subscription account information. Alternatively, a method of extracting new subscription non-account information from the financial system 10150 and confirming the profitability of the special 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. In this case, referring to FIG. 106, a variety of information for calculating the profitability of the special customer, such as the cost of the non-face-to-face channel used by the special customer (eg, the non-face-to-face channel maintenance cost), can be added to the method of confirming the profitability of the special customer. However, in FIG. 106, the factor of the cost of the non-facing channel is not shown in the figure because it is not used to calculate profitability. All.

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 special customer group profitability calculation server 10115 has a D / B for storing the profit calculation results of the special customers or a separate D / B server and communication network having a D / B for saving the profit results for the special customers. It is linked through.

106, the special customer group profitability calculation server 10115 receives an information receiver 10605 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 10150. An information extracting unit 10610 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 10515 for confirming profitability information among the information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 10620 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 10625 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 10150, and the ledger D / B includes customer information, account information, non-account information, and non-facing channel information necessary for calculating profitability for a special customer. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information receiving unit 10605 may include the customer information, the account information subscribed to the customer, 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 in conjunction with the external system of the financial system 10150 and provided to the information extraction unit (10610).

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 10115 to the financial system 10150 in order to calculate profitability for the special customer. It is preferable.

According to the exemplary embodiment of the present invention, the information extracting unit 10610 may include the customer information received from the information receiving unit 10605, 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 the information to the information confirmation unit 10515, or the new subscription account associated with the customer information, the customer information received by the information receiving unit 10605 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, and provided to the information verification unit 10615.

According to the exemplary embodiment of the present invention, the information checking unit 10515 may include the customer information extracted by the information extracting unit 10610, one or more subscription account information or subscription non-account information associated with the customer information, the subscription account or subscription account. Subscription account profitability information or non-account profitability information from the non-face-to-face channel information processed by the non-face-to-channel information, or the customer information extracted from the information extraction unit 10610, 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, the non-face-to-face channel information for managing the new subscription account or the new subscription account, the information storage unit 10625 and the above The profitability calculation unit 10620 is provided.

The profitability calculation unit 10620 may include subscription account profitability information for the special customer or subscription ratio account profitability information for the special customer or new subscription account profitability information for the special customer or the special customer provided by the information checking unit 10615. Profitability is calculated by linking with 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 10625.

According to the implementation method of the present invention, the profitability calculation unit 10620 is profitable, such as interest income or loan interest income for the loan account loans to the savings account or savings account from the subscription account information for the special customer and receive interest 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 10620 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 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 the method of the present invention, the information storage unit 10625 stores profitability information provided by the profitability calculation unit 10620 in a D / B provided in the special customer group profitability calculation server 10115 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 10620 through a communication network.

According to the implementation method of the present invention, the financial system 10150 in conjunction with the special customer group profitability calculation server 10115, the ledger information in conjunction with the ledger D / B inside the financial system 10150 special customer group profitability calculation It provides a function for providing to the server 10115, and since the detailed description of the internal configuration has been described with reference to FIG.

In addition, the ledger information for the ledger D / B of the financial system 10150 has more information than the information shown in the ledger D / B of the financial system 10150 shown in Figure 106, but the information for calculating the profitability of special customers Shows the bay.

Figure 107 shows the profitability information of the subscription account for the special customer, the profitability information of the subscription account for the special customer, the profitability information of the new subscription account for the 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 made by including at least one profitability information of the new subscription fee account.

In more detail, the drawing 107 shows the ledger information from the ledger D / B of the financial system 10150 shown in the drawing 101 and the five conditions of the special customer through the special customer profitability calculation server shown in the drawing 106. Special customer group profitability calculation server by checking profitability information on subscription account profitability information for customers, subscription cost account profitability information for special customers, new subscription account profitability information for special customers, and new subscription non-account profitability information for special customers. Regarding the process of storing and registering in D / B of 10115, a person having ordinary knowledge in the field to which the present invention belongs, will refer to this drawing 107 for various implementation methods of a system for calculating profitability of a special customer. It may be inferred, but the present invention is not limited to this figure 107 and includes all the inferred implementation methods.

Hereinafter, in FIG. 107, the special customer group profitability calculation server 10115 shown in FIG. 106 is referred to as "server" for convenience.

Referring to FIG. 107a, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10700a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription account information associated with the customer information, and non-face-to-face channel information processing the subscription account. Do.

In addition, the customer information preferably 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 10150 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 (10705a).

If information about 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. 107a, only the part of the special customer is processed (10710a).

Thereafter, the server checks the profitability information of the subscription account corresponding to the special customer (10715a), and stores and registers the checked profitability information in the server D / B (10720a).

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. 107b, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10700b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription cost account information associated with the customer information, and non-face-to-face channel information processing the subscription cost account. Do.

In addition, the customer information preferably 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 10150 as described above, the server extracts the subscription ratio account information from the ledger information and extracts the information about the special customer from the subscription ratio account information (10705b).

If information about groups other than the special customer 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. 107b, only the part of the special customer is processed (10710b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the special customer (10715b), and stores and registers the checked profitability information in the server D / B (10720b).

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. 107c, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide the ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10700c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription account information associated with the customer information, and non-face-to-face channel information processing the new 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.

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 10150 as described above, the server extracts new subscription account information from the ledger information and extracts information on a special customer from the new subscription account information (10705c).

If information about groups other than the special customer is extracted from the subscription account information, the respective processes are referred to according to each group with reference to the drawings shown below, and in FIG.

Thereafter, the server checks the new subscription account profitability information corresponding to the special customer (10715c), and stores and registers the checked profitability information in the server D / B (10720c).

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. 107d, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10700d).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription ratio account information associated with the customer information, and non-facing channel information processing the new subscription ratio 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.

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 10150 as described above, the server extracts the new subscription ratio account information from the ledger information and extracts the information on the special customer from the new subscription ratio account information (10705d).

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 only the part of the special customer is processed in this figure 107d (10710d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the special customer (10715d), and stores and registers the checked profitability information in the server D / B (10720d).

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.

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

More specifically, Figure 108 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 Figure 1 shows the internal configuration of a system for extracting non-face-to-face channel information, and extracting information about 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 this drawing 108, but the present invention is not limited to this drawing 108. 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 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 profit calculation server 10120, 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 10150 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 10120 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, it is preferable to extract the new subscription ratio account information from the financial system 10150 and to determine the profitability of the non-face-to-face corporate customers based on the non-face-to-face channel information, and having a general knowledge in the field to which the present invention belongs. If so, referring to FIG. 108, a variety of information for calculating corporate customer profitability, such as the cost of non-face-to-face channels (eg, non-face-to-face channel maintenance costs) used by the corporate customer, can be added to the method of confirming the profitability of the corporate customer. However, in FIG. 108, the factor for the cost of the non-facing channel is not shown in the figure because it is not used to calculate profitability. All.

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 (10120) has a D / B for storing the profitability calculation result of the corporate customer or a separate D / B server and communication network having a D / B for storing the profitability calculation result of the corporate customer. It is linked through.

Referring to FIG. 108, the corporate customer group profitability calculation server 10120 is an information receiver 10805 (or information receiving means) for receiving information from the ledger D / B in association with the external system of the financial system 10150. An information extracting unit 10810 (or information extracting means) for extracting necessary information from the information received from the ledger D / B, and an information checking unit 10515 for confirming profitability information among information extracted from the ledger D / B ( Or information confirmation means), a profitability calculation unit 10820 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 10825 (or information) for storing the profitability calculation information in the D / B. Storage means).

Here, the ledger D / B is a D / B provided in the financial system 10150, and the ledger D / B includes customer information, account information, non-account information, and non-facing channel information necessary for calculating profitability for the corporate customer. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information receiving unit 10805 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. It receives the ledger information from the ledger D / B in association with the external system of the financial system 10150 and provides the information to the information extraction unit (10810).

Here, the ledger information includes customer information, account information, non-account information, and processing non-facing channel information requested from the corporate customer group profitability calculation server 10120 to the financial system 10150 in order to calculate profitability for the corporate customer. It is preferable.

According to the exemplary embodiment of the present invention, the information extracting unit 10810 may include the customer information received from the information receiving unit 10805, 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 non-face-to-face channel information processed to provide to the information verification unit 10815, or the new subscription account associated with the customer information, the customer information received by the information receiving unit 10805 Information about the corporate 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 10815.

According to an embodiment of the present invention, the information checking unit 10815 may include the customer information extracted from the information extracting unit 10810, 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 10810, new subscription account information associated with the customer information or new The information storage unit 10825 and the information storage unit 10825 may be identified by checking new subscription account profitability information or new subscription non-account profitability information in the subscription ratio account information, the non-facing channel information managing the new subscription account or the new subscription account. Provided to the profitability calculation unit 10820 of.

The profitability calculation unit 10820 may provide 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 10815. 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 10825.

According to the implementation method of the present invention, the profitability calculation unit 10820 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 corporate customer 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 10820 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.

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, 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 10825 stores profitability information provided by the profitability calculation unit 10820 in a D / B provided in the corporate customer group profitability calculation server 10120 or calculates the profitability. Interworking with a separate D / B server having a D / B for storing the profitability information provided by the unit 10820 through a communication network.

According to the implementation method of the present invention, the financial system 10150 in conjunction with the corporate customer group profitability calculation server 10120 calculates the corporate customer group profitability of the ledger information in connection with the ledger D / B inside the financial system 10150 It provides a function for providing to the server 10120, and since the detailed description of the internal configuration has been described with reference to FIG.

In addition, the ledger information for the ledger D / B of the financial system 10150 has more information than the information shown in the ledger D / B of the financial system 10150 shown in Figure 108, but the information for calculating the corporate customer profitability Shows the bay.

Figure 109 shows the subscription account profitability information for the corporate customer, profitability information for the non-facing channel for the corporate customer, profitability information for the new customer subscription account, 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 109 shows the five conditions of the corporate customer through the corporate customer profitability calculation server shown in Figure 108 by taking the ledger information from the ledger D / B of the financial system 10150 shown in Figure 101 Corporate customer group profitability calculation server by checking profitability information about subscription account profitability information for customers, subscription expense 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 D / B of 10120, those skilled in the art to which the present invention pertains will now refer to FIG. 109 for various implementation methods of a system for calculating profitability of a corporate customer. It may be inferred, but the present invention is not limited to this figure 109 and includes all the inferred implementation methods.

Hereinafter, in FIG. 109, the corporate customer group profitability calculation server 10120 illustrated in FIG. 108 is referred to as a “server” for convenience.

Referring to FIG. 109a, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10900a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription account information associated with the customer information, and non-face-to-face channel information processing the subscription account. Do.

In addition, the customer information preferably 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 10150 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 (10905a).

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. 109a, only the portions of the corporate customers are processed (10910a).

Thereafter, the server checks the profitability information of the subscription account corresponding to the corporate customer (10915a), and stores and registers the checked profitability information in the server D / B (10920a).

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. 109b, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10900b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription cost account information associated with the customer information, and non-face-to-face channel information processing the subscription cost account. Do.

In addition, the customer information preferably 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 10150 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 (10905b).

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. 109b, only portions of corporate customers are processed (10910b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the corporate customer (10915b), and stores and registers the checked profitability information in the server D / B (10920b).

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. 109c, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10900c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription account information associated with the customer information, and non-face-to-face channel information processing the new 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.

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 10150 as described above, the server extracts the new subscription account information from the ledger information and extracts information about the corporate customer from the new subscription account information (10905c).

If information about groups other than corporate customers is extracted from the subscription account information, the respective processes are referred to by referring to the drawings shown below, and in FIG. 109c, only the parts of the corporate customers are processed (10910c).

Thereafter, the server checks the new subscription account profitability information corresponding to the corporate customer (10915c), and stores and registers the checked profitability information in the server D / B (10920c).

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. 109d, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (10900d).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription ratio account information associated with the customer information, and non-facing channel information processing the new subscription ratio 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.

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 10150 as described above, the server extracts the new subscription ratio account information from the ledger information and extracts information about the corporate customer from the new subscription ratio account information (10905d).

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. 109d, only the portions of the corporate customers are processed (10910d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the corporate customer (10915d), and stores and registers the checked profitability information in the server D / B (10920d).

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.

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

In more detail, FIG. 110 shows customer information (eg, social security number), one or more subscription account information (eg, savings account, savings account, etc.) or subscription cost account information (eg, foreign exchange products (eg, heritages) for calculating profitability by age. 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 to which the present invention pertains may refer to various embodiments of the system for calculating profitability by age with reference to this drawing 110, but the present invention is not limited to this drawing 110, but 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 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. 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 in a group profit calculation server or branch (or branch) of a financial institution It is characterized by comprising a financial system 10150 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 group profitability calculation server may include customer information, one or more subscription account information or one or more subscription cost account information associated with the customer information, non-face-to-face channel information, new subscription account information, or new subscription account account that processed the subscription account or subscription fee account. A method of extracting information from the financial system 10150 and confirming profitability by age for each non-facing channel according to the non-facing channel information is preferred. In the method of confirming the profitability by age, various information for calculating the profitability by age such as the cost of the non-face-to-face channel used by age (eg, the cost of maintaining the non-face-to-face channel) can be added. The cost factor for the face-to-face channel is omitted because 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 age group profitability calculation server 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. 110, the age group profitability calculation server includes an information receiver 11005 (or information receiving means) that receives information from the ledger D / B in association with the external system of the financial system 10150, the ledger D. Information extraction unit 11010 (or information extraction means) for extracting necessary information from the information received from / B, information confirmation unit 11015 (or information confirmation means for confirming profitability information among the information extracted from the ledger D / B) ), A profitability calculation unit 11020 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 11025 (or information storage means) for storing the profitability calculation information in the D / B. It is characterized by comprising.

Here, the ledger D / B is a D / B provided in the financial system 10150. The ledger D / B includes customer information, account information, non-account information, and non-facing channel information necessary for calculating profitability for each age. It is preferable to make it.

According to the exemplary embodiment of the present invention, the information receiving unit 11005 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 provided with the ledger information from the ledger D / B in conjunction with the external system of the financial system 10150 to provide to the information extraction unit (11010).

Here, the ledger information may include customer information, account information, non-account information, and non-facing channel information requested by the financial system 10150 from the age group profitability calculation server to calculate profitability for each age group.

According to the exemplary embodiment of the present invention, the information extracting unit 11010 may include the customer information received from the information receiving unit 11005, 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 the age-specific information from the non-face-to-face channel information that is processed to the information verification unit 11015, or the new subscription account information associated with the customer information, the customer information received by the information receiving unit (11005) 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 11015.

According to the exemplary embodiment of the present invention, the information checking unit 11015 may include the customer information extracted from the information extracting unit 11010, one or more subscription account information or subscription non-account information associated with the customer information, the subscription account or subscription account. Subscription account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 11010 from the non-face-to-face information of the non-face-to-face channel information processed, the new subscription account information or new subscription fee associated with the customer information Checking the new subscription account profitability information or the new subscription non-account profitability information in the account information, the non-face-to-face channel information managing the new subscription account or the new subscription ratio account, the information storage unit 11025 and the profitability Provided to the calculator 11020.

The profitability calculation unit 11020 may provide the subscription account profitability information for each age or the subscription cost account profitability information for each age or the new subscription account profitability information for each age or the new subscription cost profitability for each age provided by the information checker 11015. 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 11025.

According to the implementation method of the present invention, the profitability calculation unit 11020 profits 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 age and receiving interest 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 1102 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 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 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 method of the present invention, the information storage unit 11025 stores the profitability information provided by the profitability calculation unit 11020 in the D / B provided in the age group profitability calculation server, or the profitability calculation unit 11020 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 financial system 10150 is linked with the age group profitability calculation server to provide ledger information to the age group profitability calculation server in association with the ledger D / B in the financial system 10150. It provides a function, detailed description of the internal configuration has been described with reference to Figure 101, it will be omitted.

In addition, the ledger information for the ledger D / B of the financial system 10150 has more information than the information shown in the ledger D / B of the financial system 10150 shown in Figure 110, but only information for calculating profitability by age Illustrated.

111 shows profitability information for each age for calculating profitability for each non-face-to-face channel according to an embodiment of the present invention, profitability information for age-specific subscription accounts, profitability information for new subscription accounts for each age, and new subscription expense accounts for each age group. It shows the operation flow of the system for calculating the profitability by age, including at least one of the profitability information.

In more detail, Figure 111 shows the ledger information from the ledger D / B of the financial system (10150) shown in Figure 101 and the five conditions (by age) through the age-based profitability calculation server (10125) shown in Figure 110 D / B of age group profitability calculation server by checking profitability information about subscription account profitability information by age, subscription expense 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 the present invention, a person having ordinary knowledge in the field to which the present invention belongs may infer various implementation methods of the system for calculating profitability by age with reference to FIG. Is not limited to this figure 111 and includes all the inferred implementation methods.

Hereinafter, in FIG. 111, the age group profitability calculation server illustrated in FIG. 110 is referred to as a “server” for convenience.

Referring to FIG. 111A, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11100a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription account information associated with the customer information, and non-face-to-face channel information processing the subscription account. Do.

In addition, the customer information preferably 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 10150 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 (11105a).

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. 111a, only parts of ages are processed (11110a).

Thereafter, the server checks profitability information of the subscription account corresponding to each age (11115a), and stores and registers the checked profitability information in the server D / B (11120a).

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. 111B, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11100b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription cost account information associated with the customer information, and non-face-to-face channel information processing the subscription cost account. Do.

In addition, the customer information preferably 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 10150 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 (11105b).

When extracting information on groups other than ages from the subscription account information, processing is performed by referring to the drawings shown below according to each group, and in FIG. 111b, only parts of ages are processed (11110b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to each age (11115b), and stores and registers the checked profitability information in the server D / B (11120b).

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. 111c, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for calculating the profitability. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11100c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription account information associated with the customer information, and non-face-to-face channel information processing the new 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.

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 10150 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 (11105c).

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. 111c, only parts for ages are processed (11110c).

Thereafter, the server checks new subscription account profitability information corresponding to age (11115c), and stores and registers the checked profitability information in the server D / B (11120c).

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.

111D, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11100d).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription ratio account information associated with the customer information, and non-facing channel information processing the new subscription ratio 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.

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 10150 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 (11105d).

When extracting information on groups other than ages from the subscription account information, processing is performed by referring to the drawings shown below according to each group, and in FIG. 111d, only parts of ages are processed (11110d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to each age (11115d), and stores and registers the checked profitability information in the server D / B (11120d).

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.

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

More specifically, Figure 112 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 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 region from the extracted information to calculate profitability for each non-facing channel for each region, 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 region with reference to this drawing 112, but the present invention is not limited to this drawing 112, but 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 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. 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 in a group profit calculation server or branch (or branch) of a financial institution It is characterized by comprising a financial system 10150 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 group profitability calculation server may include customer information, one or more subscription account information or one or more subscription cost account information associated with the customer information, non-face-to-face channel information, a new subscription account information, or a new subscription account account that processed the subscription account or subscription fee account. A method of extracting information from the financial system 10150 and confirming the profitability of each non-facing channel region according to the non-facing channel information is preferable. In the method of confirming the profitability by region, various information for calculating profitability by region, such as the cost of the non-face-to-face channel used by region (for example, non-face-to-face channel maintenance cost), can be added. The cost factor for the face-to-face channel is omitted because 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 regional group profitability calculation server 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. 112, the regional group profitability calculation server includes an information receiver 11205 (or an information receiver) for receiving information from the ledger D / B in association with the external system of the financial system 10150, the ledger D. Information extracting unit 1210 (or information extracting means) for extracting necessary information from information received from / B, and information checking unit 1215 (or information checking means for confirming profitability information among information extracted from the ledger D / B) ), A profitability calculation unit 1220 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 1125 (or information storage means) for storing the profitability calculation information in the D / B. It is characterized by comprising.

Here, the ledger D / B is a D / B provided in the financial system 10150, and the ledger D / B includes customer information, account information, non-account information, and non-facing channel information necessary for calculating profitability for each region. It is preferable to make it.

According to the exemplary embodiment of the present invention, the information receiving unit 11205 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 the ledger information from the ledger D / B in conjunction with the external system of the financial system 10150 to provide to the information extraction unit 1112.

Here, the ledger information may include customer information, account information, non-account information, and non-facing channel information requested by the financial system 10150 from the regional group profitability calculation server to calculate profitability for each region.

According to the exemplary embodiment of the present invention, the information extracting unit 1112 may include the customer information received from the information receiving unit 11205, 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 the information verification unit 1215, or the customer information received from the information receiving unit 1205, new subscription account information associated with the customer information Alternatively, information about each region 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 1215.

According to the exemplary embodiment of the present invention, the information checking unit 1215 may include the customer information extracted by the information extracting unit 1112, 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 in the region-specific information of the non-face-to-face channel information processed, or the customer information extracted from the information extraction unit 1112, new subscription account information or new subscription fee associated with the customer information Checking the new subscription account profitability information or the new subscription non-account profitability information in the account information, non-face-to-face channel information managing the new subscription account or the new subscription ratio account by region, the information storage unit 1125 and the profitability Provided to the calculator 1112.

The profitability calculation unit 1120 may include 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 verification unit 1215. Profitability is calculated in connection 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 1125.

According to an embodiment of the present invention, the profitability calculation unit 1120 may borrow profits for savings accounts or savings accounts from subscription account information for each region and receive profits such as interest income or loan interest income for loan accounts. 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 1120 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 a securities in a subscription fee account information for each region. 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 FX product transaction, a handling fee for a new derivative product subscription, a potential operation 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 1125 stores the profitability information provided by the profitability calculation unit 1120 in a D / B provided in the regional group profit calculation server, or the profitability calculation unit 1220 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 financial system 10150 is linked with the regional group profitability calculation server to provide the ledger information to the regional group profitability calculation server in connection with the ledger D / B in the financial system 10150. It provides a function, detailed description of the internal configuration has been described with reference to Figure 101, it will be omitted.

In addition, the ledger information for the ledger D / B of the financial system 10150 has more information than the information shown in the ledger D / B of the financial system 10150 shown in Figure 112, but only information for calculating profitability by region Illustrated.

113 shows the profitability information for each region, the profitability information for each subscription region, the profitability information for the new subscription account for each region, and the new subscription account for each region, according to the method of the present invention. The operation flow of the system for calculating profitability by region including at least one of profitability information is shown.

More specifically, FIG. 113 shows the ledger information from the ledger D / B of the financial system 10150 shown in FIG. 101 and the five conditions of each region through the regional profitability calculation server 10130 shown in FIG. Check the profitability information of subscription account profitability information for each region, subscription expense account profitability information for each region, new subscription account profitability information for each region, and new subscription expense account profitability information for each region. Regarding the process of storing and registering in the present invention, 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 for each region by referring to FIG. 113. Is not limited to this figure 113, but includes all the inferred implementation methods.

Hereinafter, in FIG. 113, the regional group profitability calculation server shown in FIG. 112 is referred to as a “server” for convenience.

Referring to FIG. 113A, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the financial system 10150 ledger D / B for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11300a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription account information associated with the customer information, and non-face-to-face channel information processing the subscription account. Do.

In addition, the customer information preferably 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 10150 as described above, the server extracts subscription account information from the ledger information, and extracts information on each region from the subscription account information (11305a).

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. 113a, only portions of regions are processed (11310a).

Thereafter, the server checks the profitability information of the subscription account corresponding to the region (11315a), and stores and registers the checked profitability information in the server D / B (11320a).

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. 113b, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11300b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription cost account information associated with the customer information, and non-face-to-face channel information processing the subscription cost account. Do.

In addition, the customer information preferably 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 10150 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 (11305b).

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. 113b, only portions of regions are processed (11310b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the region (11315b), and stores and registers the checked profitability information in the server D / B (11320b).

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. 113c, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11300c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription account information associated with the customer information, and non-face-to-face channel information processing the new 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.

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 10150 as described above, the server extracts the new subscription account information from the ledger information and extracts information for each region from the new subscription account information (11305c).

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. 113c, only portions of regions are processed (11310c).

Thereafter, the server checks the new subscription account profitability information corresponding to each region (11315c), and stores and registers the checked profitability information in the server D / B (11320c).

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. 113d, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11300d).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription ratio account information associated with the customer information, and non-facing channel information processing the new subscription ratio 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.

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 10150 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 (11305d).

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. 113d, only portions of regions are processed (11310d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to each region (11315d), and stores and registers the checked profitability information in the server D / B (11320d).

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.

114 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 114 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., 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 embodiments of the system for calculating the profitability of gender with reference to this drawing 114, but the present invention is not limited to this drawing 114, it is inferred 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 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 in a group profit calculation server or branch (or branch) of a financial institution It is characterized by comprising a financial system 10150 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 group profitability calculation server may include customer information, one or more subscription account information or one or more subscription cost account information associated with the customer information, non-face-to-face channel information, new subscription account information, or new subscription cost account that processed the subscription account or subscription fee account. Extracting the information from the financial system 10150, a method of confirming the profitability of the gender for each non-face-to-face channel according to the non-face-to-channel information is preferred, if the person having ordinary knowledge in the field of the present invention, this figure 114 Various information for calculating gender profitability, such as the cost of non-face-to-face channels used by gender (eg, non-face-to-face channel maintenance costs, etc.) may be added to the method of confirming the profitability of gender, in FIG. 114. The cost factor for the face-to-face channel is omitted because 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 gender group profitability calculation server has a D / B for storing the profitability calculation result of gender, or is linked through a communication network with a separate D / B server having a D / B for saving the profitability calculation result of gender.

Referring to FIG. 114, the gender group profitability calculation server comprises: an information receiving unit 11405 (or information receiving means) that receives information from the ledger D / B in association with the external system of the financial system 10150, the ledger D Information extracting unit 1114 (or information extracting means) for extracting necessary information from information received from / B, and information checking unit 1415 (or information checking means for confirming profitability information among information extracted from the ledger D / B) ), A profitability calculation unit 11420 (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit 1425 (or information storage means) for storing the profitability calculation information in the D / B. It is characterized by comprising.

Here, the ledger D / B is a D / B provided in the financial system 10150, and the ledger D / B includes customer information, account information, non-account information, and non-facing channel information necessary for calculating profitability for the gender. It is preferable to make it.

According to the exemplary embodiment of the present invention, the information receiving unit 11405 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. Is provided with the ledger information from the ledger D / B in conjunction with the external system of the financial system 10150 to provide to the information extraction unit 1114.

Here, the ledger information may include customer information, account information, non-account information, and non-face-to-face channel information requested from the gender group profitability calculation server to the financial system 10150 to calculate profitability for the gender.

According to the exemplary embodiment of the present invention, the information extracting unit 1114 may include the customer information received from the information receiving unit 11405, 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 1415 or the new subscription account information associated with the customer information and the customer information received by the information receiving unit 1405. Alternatively, information about gender is extracted from the non-facing channel information managing the new subscription ratio account information, the new subscription account or the new subscription ratio account, and provided to the information verification unit 1315.

According to the exemplary embodiment of the present invention, the information checking unit 1415 may include the customer information extracted from the information extracting unit 1114, 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 1110, new subscription account information or new subscription fee associated with the customer information The information storage unit 11425 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 checks the new subscription account profitability information or the new subscription non-account profitability information from the gender information. Provided to the calculator 11420.

The profitability calculation unit 11420 may provide the subscription account profitability information for the gender or the subscription ratio account profitability information for the gender or the new subscription account profitability information for the gender or the new subscription ratio account profitability for the gender provided by the information checker 11415. Profitability may be calculated by linking profitability information about various genders including at least one information, and the profitability information about the calculated gender is provided to the information storage unit 1425.

According to the exemplary embodiment of the present invention, the profitability calculation unit 11420 borrows a deposit on a savings account or a savings account from the subscription account information on gender and receives profits such as interest income or loan interest income on a loan account. It is preferable to calculate.

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 11420 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 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 exemplary embodiment of the present invention, the information storage unit 1415 stores the profitability information provided by the profitability calculation unit 11420 in a D / B provided in the gender group profitability calculation server, or the profitability calculation unit 11420. 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 financial system 10150 is linked with the gender group profitability calculation server to provide ledger information to the gender group profitability calculation server in connection with the ledger D / B in the financial system 10150. It provides a function, detailed description of the internal configuration has been described with reference to Figure 101, it will be omitted.

In addition, the ledger information for the ledger D / B of the financial system 10150 has more information than the information shown in the ledger D / B of the financial system 10150 shown in Figure 114, but only information for calculating gender profitability Illustrated.

115 shows the profitability information of the subscription account for the gender, the profitability information for the subscription ratio for the gender, the profitability information for the new subscription account for the gender, and the new subscription ratio account for the 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.

More specifically, FIG. 115 shows the ledger information from the ledger D / B of the financial system 10150 shown in FIG. 101 and the five conditions of gender through the gender profitability calculation server 10135 shown in FIG. Profitability information on the subscription account profitability information for gender, the non-account subscription profitability information for gender, the new subscription account profitability information for gender, and the new subscription ratio account profitability information for gender) The present invention relates to a process of storing and registering in the present invention, and those skilled in the art to which the present invention pertains may refer to various examples of the system for calculating profitability of gender with reference to FIG. Is not limited to FIG. 115 and includes all the inferred implementation methods.

Hereinafter, in FIG. 115, the gender group profitability calculation server shown in FIG. 114 is referred to as "server" for convenience.

Referring to FIG. 115a, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11500a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription account information associated with the customer information, and non-face-to-face channel information processing the subscription account. Do.

In addition, the customer information preferably 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 10150 as described above, the server extracts subscription account information from the ledger information and extracts gender information from the subscription account information (11505a).

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. 115a, only the part of the gender is processed (11510a).

Thereafter, the server checks the profitability information of the subscription account corresponding to the gender (11515a), and stores and registers the checked profitability information in the server D / B (11520a).

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. 115b, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11500b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription cost account information associated with the customer information, and non-face-to-face channel information processing the subscription cost account. Do.

In addition, the customer information preferably 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 10150 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 (11505b).

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. 115b, only the portion of the gender is processed (11510b).

Thereafter, the server checks the profitability information of the subscription fee account corresponding to the gender (11515b), and stores and registers the checked profitability information in the server D / B (11520b).

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. 115c, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11500c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription account information associated with the customer information, and non-face-to-face channel information processing the new 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.

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 10150 as described above, the server extracts new subscription account information from the ledger information and extracts gender information from the new subscription account information (11505c).

If information on 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. 115c, only the portion of the gender is processed (11510c).

Thereafter, the server checks the new subscription account profitability information corresponding to the gender (11515c), and stores and registers the checked profitability information in the server D / B (11520c).

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. 115d, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11500d).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription ratio account information associated with the customer information, and non-facing channel information processing the new subscription ratio 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.

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 10150 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 (11505d).

If information on 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. 115d, only a portion of gender is processed (11510d).

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to the gender (11515d), and stores and registers the checked profitability information in the server D / B (11520d).

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.

116 illustrates a system configuration for calculating profitability of non-face-to-face channels for each occupation according to an embodiment of the present invention.

More specifically, Figure 116 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 by job. 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 116, but the present invention is not limited to this drawing 116, 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.

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. At least one financial transaction (e.g., credit, receiving, currency exchange, foreign currency remittance, financing) through at least one face-to-face or non-face-to-face financial transaction channel provided by a job-specific group profitability calculation server or branch (or branch) of a financial institution. Investment, etc.) is provided with a financial system (10150) 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 occupational group profitability calculation server may include customer information, one or more subscription account information or one or more subscription cost account information associated with the customer information, non-face-to-face channel information, new subscription account information, or new subscription fee that processed the subscription account or subscription fee account. Extracting the account information from the financial system 10150, a method of checking the profitability of each job by non-face-to-face channel according to the non-face-to-channel information is preferable, if the person having ordinary knowledge in the field of the present invention, Referring to FIG. 116, various information for calculating profitability by occupation such as the cost (eg, non-face-to-face maintenance cost) for the non-face-to-face channel used by the occupation may be added to the method of confirming the profitability of each occupation. In FIG. 116, 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 profitability calculation server for each job group has a D / B for storing profitability calculation results for each job or is linked with a separate D / B server having a D / B for storing profitability calculation results for each job through a communication network. do.

Referring to FIG. 116, the occupation group profit calculation server includes an information receiver 11605 (or information receiver) for receiving information from the ledger D / B in association with the external system of the financial system 10150, the ledger. An information extracting unit 1116 (or information extracting means) for extracting necessary information from the information received from the D / B, and an information checking unit 1115 (or information confirmation for confirming profitability information among the information extracted from the ledger D / B) Means), a profitability calculation unit (11620) (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and an information storage unit (11625) (or information storage means) for storing the profitability calculation information in the D / B. It characterized by comprising a.

Here, the ledger D / B is a D / B provided in the financial system 10150. The ledger D / B includes customer information, account information, non-account information, and non-facing channel information necessary for calculating profitability for each job. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information receiving unit 11605 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. Is received in the ledger information from the ledger D / B in conjunction with the external system of the financial system 10150 and provided to the information extraction unit (11610).

Here, the ledger information preferably includes customer information, account information, non-account information, and non-facing channel information requested by the financial system 10150 from the job group profitability calculation server for job profit calculation. .

According to the exemplary embodiment of the present invention, the information extracting unit 1116 may include the customer information received from the information receiving unit 11605, 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 on each job from the non-face-to-face channel information processed and provides the information to the information confirming unit 1115 or the new subscription account associated with the customer information and the customer information received by the information receiving unit 11605. 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 extracted and provided to the information verification unit 1115.

According to the exemplary embodiment of the present invention, the information checking unit 11115 may include the customer information extracted by the information extracting unit 1116, 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 in the non-face-to-face channel information processed by the job, or the customer information extracted from the information extraction unit 1116, 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 (11625) The profitability calculation unit 1116 is provided.

The profitability calculation unit 1116 may include subscription account profitability information for each job or subscription ratio account profitability information for each job or new subscription account profitability information for each job or job provided by the information checking unit 11115. 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 1625.

According to the implementation method of the present invention, the profitability calculation unit 1116 may borrow profits from a savings account or a savings account in the subscription account information for each job and receive profits such as interest income or loan interest income for 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 1116 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 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 exemplary embodiment of the present invention, the information storage unit 1625 stores the profitability information provided by the profitability calculation unit 1620 in a D / B provided in the job group profit calculation server, or the profitability calculation unit 1116 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 financial system 10150 is linked with the ledger group profitability calculation server for each job and provides the ledger information to the group profit calculation server for each job in association with the ledger D / B in the financial system 10150. It provides a function for, and detailed description of the internal configuration has been described with reference to Figure 101, it will be omitted.

In addition, the ledger information for the ledger D / B of the financial system 10150 has more information than the information shown in the ledger D / B of the financial system 10150 shown in Figure 116, but the information for calculating profitability by occupation Shows the bay.

Figure 117 is a subscription account profitability information for each job for profitability calculation by non-face-to-face channel according to the practice 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.

More specifically, FIG. 117 shows the ledger information from the ledger D / B of the financial system 10150 shown in FIG. 101, and the five kinds of jobs by occupation through the occupational profitability calculation server 10140 shown in FIG. Profitability information on the conditions (subscription account profitability information for each job, subscription cost account profitability information for each job, new subscription account profitability information for each job, and new subscription cost account profitability information for each job) Regarding the process of storing and registering in the D / B of the profitability calculation server, a person having ordinary knowledge in the field to which the present invention belongs, will refer to this drawing 117 for various implementation methods of the system for profitability calculation by job. It may be inferred, but the present invention is not limited to this figure 117 and includes all the inferred implementation methods.

Hereinafter, in FIG. 117, the job-specific group profitability calculation server shown in FIG. 116 is referred to as "server" for convenience.

Referring to FIG. 117a, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the financial system 10150 ledger D / B for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11700a).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription account information associated with the customer information, and non-face-to-face channel information processing the subscription account. Do.

In addition, the customer information preferably 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 10150 as described above, the server extracts subscription account information from the ledger information and extracts job information from the subscription account information (11705a).

If information on groups other than occupations 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. 117a, only parts for occupations are processed (11710a).

Thereafter, the server checks the profitability information of the subscription account corresponding to each job (11715a), and stores and registers the checked profitability information in the server D / B (11720a).

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. 117B, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11700b).

Here, the ledger information may refer to customer information stored and registered in the ledger D / B of the financial system 10150, subscription cost account information associated with the customer information, and non-face-to-face channel information processing the subscription cost account. Do.

In addition, the customer information preferably 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 10150 as described above, the server extracts subscription fee account information from the ledger information and extracts job information from the subscription cost account information (11705b).

If information about groups other than occupations is extracted from the subscription account information, the information is processed 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 each job (11715b), and stores and registers the checked profitability information in the server D / B (11720b).

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. 117c, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11700c).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription account information associated with the customer information, and non-face-to-face channel information processing the new 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.

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 10150 as described above, the server extracts new subscription account information from the ledger information and extracts job information from the new subscription account information (11705c).

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

Thereafter, the server checks new subscription account profitability information corresponding to each job (11715c), and stores and registers the checked profitability information in the server D / B (11720c).

In this case, the profitability information of the new subscription account for each job 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.

Referring to FIG. 117d, the server accesses the financial system 10150 through a predetermined communication network, requests the server to provide ledger information of the ledger D / B of the financial system 10150 for the profitability calculation. In response, the financial system 10150 provides the ledger information of the ledger D / B to the server (11700d).

Here, the ledger information means customer information stored and registered in the ledger D / B of the financial system 10150, new subscription ratio account information associated with the customer information, and non-facing channel information processing the new subscription ratio 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.

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 10150 as described above, the server extracts the new subscription fee account information from the ledger information, and extracts the job information from the new subscription fee account information (11705d).

If information on groups other than occupations is extracted from the subscription account information, the information is processed with reference to the drawings shown below for each group, and in FIG.

Thereafter, the server checks the profitability information of the new subscription fee account corresponding to each job (11715d), and stores and registers the checked profitability information in the server D / B (11720d).

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.

118 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.

More specifically, FIG. 118 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, 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 10105, or the PB customer group profitability calculation server 10110, or the special customer group profitability calculation server 10115, or the company. Customer received from the customer group profitability calculation server 10120, the age-specific profitability calculation server 10125, or regional profitability calculation server 10130, or gender profitability calculation server 10135, or occupational profitability calculation server 10140. 11 shows an internal configuration of a system for calculating profitability information for each non-facing channel according to the present invention. Although various implementation methods of the system for operating profitability calculation results for each non-facing channel can be inferred with reference to FIG. 8, the present invention is not limited to this drawing 118 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 Profitability calculation server by non-face-to-face channel for profitability calculation by non-face-to-face channel based on information, personal customer group profitability calculation server (10105), PB customer to calculate profitability by non-face-to-face channel based on customer information of individual customer group PB customer group profitability calculation server 10110 for calculating profitability for each non-face-to-face channel based on group customer information, and profitability calculation for each non-face-to-face channel based on customer information of special customer group Special customer group profitability calculation server (10115), corporate customer group profitability calculation server (10120) to calculate profitability for each non-face-to-face channel based on customer information of corporate customer group, and Profitability calculation server by age (10125), Profitability calculation server by region for calculating non-face-to-face profitability based on customer information by region (10130), Gender profitability calculation server (10135) for calculation of profitability by non-face-to-face channel based on gender customer information, Profitability calculation server for each job to calculate profitability for each non-face-to-face channel based on the customer information by job, at least one or more financing 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 is provided with a financial system 10150 for providing a transaction (eg, credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) services And that is characterized.

The non-facing channel-specific profitability calculation server 10100 may include customer information, non-face-to-face channel information based on the customer information, profitability information of an individual customer group linked to the non-face-to-face channel information, profitability information of a 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, profitability information by occupation, individual customer group profitability calculation server (10105), PB customer group profitability calculation server (10110), special customers Group profitability calculation server (10115), corporate customer group profitability calculation server (10120), age-specific profitability calculation server (10125), regional profitability calculation server (10130), gender profitability calculation server (10135), profitability calculation server by job (10140) A method of 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 pertains, FIG. In addition, various information for calculating profitability by non-face-to-face channels, such as the cost of employees (eg, employee wages), may be added to the method of confirming the profitability of each non-face-to-face channel. The factor for is not shown in the figure 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 non-face-to-face profitability calculation server 10100 has a D / B for storing profitability calculation results for non-face-to-face channels, or a separate D / B with D / B for storing profitability calculation results for non-face-to-face channels. It is linked with server through communication network.

Referring to FIG. 118, the non-facing channel-specific profitability calculation server 10100 includes the personal customer group profitability calculation server 10105, the PB customer group profitability calculation server 10110, the special customer group profitability calculation server 10115, Corporate server group profitability calculation server (10120), age-specific profitability calculation server (10125), regional profitability calculation server (10130), gender profitability calculation server (10135), job profitability calculation server (10140) in connection with each server D / Information receiving unit 11805 (or information receiving means) for receiving profitability information from B, the individual customer group profitability calculation server D / B 1118, PB customer group profitability calculation server D / B (11835), special customer group profitability Calculation server D / B (11840), corporate customer group profit calculation server D / B (11845), age-based profit calculation server D / B (11850), regional profit calculation server D / B (11855), gender profit calculation server D / Information received from B (11860), profitability calculation server D / B by job (11865) Information extracting unit (11810) (or information extraction means) for extracting the necessary information, the individual customer group profitability calculation server D / B (11830), PB customer group profitability calculation server D / B (11835), special customer group profitability Calculation server D / B (11840), corporate customer group profit calculation server D / B (11845), age-based profit calculation server D / B (11850), regional profit calculation server D / B (11855), gender profit calculation server D / B (11860), information confirmation unit (11815) (or information confirmation means) for confirming the non-facing channel among the information extracted from the job-specific profitability calculation server D / B (11865), non-face-to-face in the information confirming the non-facing channel Profitability calculation unit (11820) (or profitability calculation means) for calculating the profitability for each channel, and an information storage unit (11825) (or information storage means) for storing the above-mentioned non-facing channel-specific profitability calculation information in the D / B Characterized in that made.

Here, the personal customer group profitability calculation server D / B 1830 preferably includes profitability information, non-facing channel information, and customer information for the individual customer group.

In addition, the PB customer group profit calculation server D / B (11835) is preferably made to include profitability information, non-face-to-face channel information, customer information for the PB customer group.

In addition, the special customer group profitability calculation server D / B 11840 preferably includes profitability information, non-facing channel information, and customer information for the special customer group.

In addition, the corporate customer group profitability calculation server D / B (11845) is preferably made to include the profitability information, non-facing channel information, customer information for the enterprise customer group.

In addition, the age-based profitability calculation server D / B 11850 preferably includes age-related profitability information, non-facing channel information, and customer information.

In addition, the regional profitability calculation server D / B (11855) is preferably made to include regional profitability information, non-face-to-face channel information, customer information.

In addition, the gender profitability calculation server D / B 11860 may include gender profitability information, non-facing channel information, and customer information.

In addition, the job profitability calculation server D / B 11865 for each job may include job profitability information, non-face-to-face channel information, and customer information.

According to the exemplary embodiment of the present invention, the information receiving unit 11805 may include customer information, non-face-to-face channel information based on the customer information, personal customer group profitability information associated with the non-face-to-face channel information, or PB customer group profitability information, special customer. Information including at least one group profitability information, age profitability information, regional profitability information, gender profitability information, occupational profitability information includes individual customer group profitability calculation server (10105), PB customer group profitability calculation server (10110), special Customer group profit calculation server (10115), corporate customer group profit calculation server (10120), age-based profit calculation server (10125), regional profit calculation server (10130), gender profit calculation server (10135), job profit calculation server (10140) Receives profitability information from) and provides it to the information extraction unit (11810).

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 1118 may generate the personal customer group profitability associated with the customer information received from the information receiving unit 11805, non-face-to-face channel information based on the customer information, and non-face-to-face channel information. The information verification unit extracts profitability information by non-face-to-face channels from 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 occupational profitability information. Provided at (11815).

According to the exemplary embodiment of the present invention, the information checking unit 11815 is a personal customer group associated with the customer information provided by the information extracting unit 1118, non-face-to-face channel information by the customer information, and non-face-to-face channel information. Profitability calculation unit (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) 11820).

The profitability calculation unit 1118 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, and the like provided by the information checking unit 1118. Profitability is calculated by linking gender profitability information and occupational profitability information with non-face-to-face channel information, and provides the calculated non-face-to-face profitability information to the information storage unit 1825.

According to the exemplary embodiment of the present invention, the profitability calculation unit 1820 may calculate profitability in connection with non-face-to-face channel information in the personal customer group profitability information provided by the information checking unit 11815.

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 1118 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 111815.

In addition, the profitability calculation unit 1820 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 11815.

In addition, the profitability calculator 1820 may calculate profitability in association with non-face-to-face channel information in the corporate customer group profitability information provided by the information checker 11815.

In addition, the profitability calculation unit 1820 may calculate profitability in association with non-face-to-face channel information in the age-specific profitability information provided by the information checking unit 11815.

In addition, the profitability calculation unit 1820 may calculate profitability in connection with non-face-to-face channel information in the regional profitability information provided by the information checking unit 11815.

In addition, the profitability calculator 1118 may calculate profitability in connection with non-face-to-face channel information from gender profitability information provided by the information checking unit 111815.

In addition, the profitability calculation unit 1820 may calculate profitability in connection with non-face-to-face channel information in the job-specific profitability information provided by the information checking unit 11815.

According to an exemplary embodiment of the present invention, the information storage unit 1825 stores the profitability information provided by the profitability calculator 1118 in a D / B provided in the non-facing channel-specific profitability calculation server 10100 or the profitability. It is linked through a communication network with a separate D / B server having a D / B for storing the profitability information provided by the calculating unit (11820).

Figure 119 shows the individual 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, 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.

More specifically, FIG. 119 shows the individual customer group profitability calculation server 10105 shown in FIG. 102, the PB customer group profitability calculation server 10110 shown in FIG. 104, and the special customer group profitability calculation server shown in FIG. 10115), the corporate customer group profitability calculation server 10120 shown in FIG. 108, the age-specific profitability calculation server 10125 shown in FIG. 110, the regional profitability calculation server 10130 shown in FIG. 112, and the gender shown in FIG. Profitability calculation server 10135 and profitability information from non-facing channels by calculating profitability information from non-face-to-face channels shown in FIG. 118 by taking profitability information from the D / B of the job-specific profitability calculation server 10140 shown in FIG. Regarding the process of storing and registering in the D / B of the server 10100, those of ordinary skill in the art to which the present invention pertains will refer to the drawings. Although the method of inference may be inferred, the present invention is not limited to this drawing 119, but includes all the inferred methods of implementation.

Hereinafter, in FIG. 119, the non-facing channel-specific profitability calculation server 10100 illustrated in FIG. 118 is referred to as a “server” for convenience.

Referring to FIG. 119, the individual customer group profitability calculation server 10105, the PB customer group profitability calculation server 10110, or the special customer group profitability calculation server 10115, or a corporate customer through a predetermined communication network in the server. The individual customer group for the profitability calculation server 10120, the age-specific profitability calculation server 10125, or the regional profitability calculation server 10130, or the gender profitability calculation server 10135, is connected to the server. Profitability calculation server 10105, or PB customer group profitability calculation server 10110, or special customer group profitability calculation server 10115, or corporate customer group profitability calculation server 10120, or age-specific profitability calculation server 10125, or Requests to provide the registered profitability information stored in the D / B of each regional profitability calculation server (10130), gender profitability calculation server (10135), or occupational profitability calculation server (10140), respectively, Correspondingly, the individual customer group profitability calculation server 10105, or the PB customer group profitability calculation server 10110, or the special customer group profitability calculation server 10115, or the corporate customer group profitability calculation server 10120, or age-specific profitability calculation The server 10125 or the regional profitability calculation server 10130, the gender profitability calculation server 10135, or the occupational profitability calculation server 10140 provides non-facing channel information and profitability information of the D / B to the server. (11900).

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 10105, or PB customer group profitability calculation server 10110, or special customer group profitability calculation server 10115, or corporate customer group profitability calculation server 10120, or The non-facing channel is identified from information received from the age-based profitability calculation server 10125, the regional profitability calculation server 10130, the gender profitability calculation server 10135, or the job-specific profitability calculation server 10140 (11905).

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 (11910).

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 (11915), and the calculated profitability information is stored and registered in the server D / B (11920).

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 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.

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.

1 is a view showing a preferred configuration of the integrated management information providing system for providing integrated management information according to the embodiment of the present invention.

2 illustrates a system of an interface screen and a menu for providing integrated management information according to an embodiment of the present invention.

Figure 3 shows the configuration of a profitability calculation system for each channel / employee for calculating the profitability of each channel / employee according to the embodiment of the present invention and the operation of the calculation results.

Figure 4 illustrates a system configuration for calculating the profitability of the individual customer service staff according to the embodiment of the present invention.

5 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.

Figure 6 shows the system configuration for calculating the profitability of the PB customer service staff according to the embodiment of the present invention.

Figure 7 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 8 shows the system configuration for calculating the profitability of the special customer service staff according to the embodiment of the present invention.

9 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 customers 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.

10 illustrates a system configuration for calculating the profitability of the employee of the enterprise customer service window according to the embodiment of the present invention.

11 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 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 subscription account profitability information, new subscription non-account profitability information for the corporate customer.

Figure 12 illustrates a system configuration for calculating the profitability of employees of the general financial window according to the embodiment of the present invention.

13 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.

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

FIG. 15 shows the won or foreign currency profitability information, the foreign exchange business profitability information, the derivatives profitability information, the 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 16 shows the system configuration for calculating the profitability of the trust clerk according to the embodiment of the present invention.

Figure 17 is a system for calculating trust group profitability comprising at least one or more trust profitability information, trust profitability information, fund profitability information for the trust group for calculating the profitability of each employee for the trust group according to an embodiment of the present invention It shows the operation flow.

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

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

20 illustrates the configuration of an entire system for analyzing profitability in the past and predicting profitability in the future according to an embodiment of the present invention.

Figure 21 shows a system configuration for calculating the profitability of the individual customer service staff according to the embodiment of the present invention.

Figure 22 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 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 subscription account profitability information and new subscription non-account profitability information for individual customers, is illustrated.

Figure 23 shows the system configuration for calculating the profitability of the PB customer service staff according to the embodiment of the present invention.

Figure 24 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.

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

Figure 26 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.

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

Figure 28 is a subscription account profitability information for the enterprise customer, profitability information for the non-account subscription for the enterprise customer, profitability information for the enterprise customer, new to 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 subscription account profitability information, new subscription non-account profitability information for the corporate customer.

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

30 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 an embodiment of the present invention The operating flow of the system is shown.

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

32 is a view of the won 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 33 shows the system configuration for calculating the profitability of the trust clerk according to the embodiment of the present invention.

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

35A and 35B 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.

36A illustrates profit or loss by organization / branch using profitability information as a profit and loss statement (P / L) according to one embodiment of the present invention.

36B 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.

36C is a diagram 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.

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

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

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

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

Fig. 41 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.

42 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. 43 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.

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

Figure 45 is a subscription account profitability information for the enterprise customer group, profitability information for the subscription account for the enterprise customer group, new subscription account profitability information for the enterprise customer group according to the implementation method of the present invention For example, it illustrates the operation flow of the system for calculating the profitability of the corporate customer group, which includes at least one profitability information of the new subscription fee for the corporate customer group.

46 is a diagram showing the system configuration for calculating the profitability of the counter staff according to age according to the embodiment of the present invention.

FIG. 47 includes at least one age-related subscription account profitability information, age-specific subscription expense account profitability information, age-specific subscription account profitability information, and age-specific subscription fee profitability information according to an embodiment of the present invention. It shows the operation flow of the system for calculating profitability by age.

48 is a diagram illustrating a system configuration for calculating the profitability of a window staff according to an embodiment of the present invention.

FIG. 49 includes at least one regional subscription account profitability information, regional subscription fee account profitability information, regional subscription account profitability information, and regional subscription subscription profitability information according to an embodiment of the present invention. It shows the operation flow of the system for calculating profitability by region.

50 is a diagram illustrating a system configuration for calculating the profitability of a gender teller according to an embodiment of the present invention.

FIG. 51 includes at least one gender joining account profitability information, a gender joining account profitability information, a new gender joining account profitability information, and a gender new joining account profitability information according to an embodiment of the present invention. It shows the operation flow of the system for calculating gender profitability.

52 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.

Figure 53 is a job accounting account profitability information, job registration fee account profitability information, job registration fee account profitability information, job registration new account profitability information, job registration new accounting profitability information 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.

54 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.

55 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.

56 is a diagram showing the configuration of an entire system for group integrated customer profitability evaluation according to an embodiment of the present invention.

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

58 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.

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

60 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.

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

62 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.

63 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.

64 illustrates 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.

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

66 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.

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

Figure 68 shows the securities product profitability information for individual customers, profits of securities derivatives for individual customers, transaction profitability information for individual customers, new to 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.

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

70 is a view of the profitability of securities products for PB customers, the profitability of securities derivatives for PB customers, the profitability of transactions 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 securities product profitability information and new securities derivatives profitability information for PB customers is shown.

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

Fig. 72 shows securities product profitability information for special customers for profit calculation of special customer groups, securities derivatives profit information for special customers, transaction profitability information for special customers, and new customers for special customers according to the embodiment of the present invention. At least one or more securities product profitability information, new securities derivatives profitability information for special customers.

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

74 shows securities product profitability information for corporate customers, profits of securities derivatives for corporate customers, transaction profitability information for corporate customers, and new 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 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.

75 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 embodiment of the present invention. A system configuration for storing profitability information is shown.

76 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.

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 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.

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 is a system for calculating PB customer profitability 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.

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

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

85 is provided with the profitability information from the trust individual customer group profit calculation server, the trust PB customer group profit calculation server, the trust special customer group profit calculation server, the trust enterprise customer group profit calculation server according to the 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.

88 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.

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

90 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.

91 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.

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

93 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.

94 shows guarantee insurance profitability information for individual customers, profitability insurance savings information for individual customers, profitability information for individual customers, and profitability insurance for individual customers according to an 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.

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

96 is a diagram of guarantee insurance profitability information for a company for profit calculation of a company group, savings insurance profitability information for a company, new guarantee insurance profitability information for a company, and new savings insurance profitability information for a company according to an embodiment of the present invention. It shows the operation flow of the system for calculating the profitability of the enterprise made up of at least one.

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

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

99 shows customer information and profitability information from a 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.

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

101 is a diagram showing the configuration of the entire system for calculating profitability for each non-facing channel according to the embodiment of the present invention.

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

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

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

105 shows 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 an embodiment 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.

FIG. 106 is a diagram illustrating a system configuration for calculating profitability of a special customer non-face-to-face channel according to an embodiment of the present invention.

Figure 107 is a subscription account profitability information for a special customer for profitability calculation for each non-face-to-face special customer according to the implementation method of the present invention, subscription non-account profitability information for a special customer, new subscription account profitability information for a special customer, special customers 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.

108 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.

109 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.

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

111 shows profitability information for age-related subscription accounts, profitability information for age-related subscription accounts, profitability information for age-related new subscription accounts, and age-based new subscription ratio accounts for age-based non-facing channel profitability calculations according to an embodiment 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.

112 is a diagram illustrating a system configuration for calculating profitability of a non-facing channel for each region according to an embodiment of the present invention.

113 shows profitability information for each region, profitability information for each region, new subscription account profitability information for each region, and 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. The operation flow of the system for calculating profitability by region including at least one of profitability information is shown.

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

115 is a view illustrating a subscription account profitability information for a gender, a subscription ratio account profit ratio information for a gender, a new subscription account profitability information for a gender, and a new subscription ratio account for a gender according to an exemplary 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.

116 illustrates a system configuration for calculating profitability of non-face-to-face channels for each occupation according to an embodiment of the present invention.

117 is a subscription account profitability information for each job for profitability calculation by non-face-to-face channel by occupation 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.

118 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. 119 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.

<Description of main parts of drawing>

100: integrated management information server 105: Web interface unit

110: management information interface unit 115: web page operation unit

120: DBMS 125: management information provider

130: information storage unit 135: information extraction unit

140: information receiving unit 145: employee terminal

Claims (4)

First-tier items including sales management items, profitability analysis items, and profit and loss management items by group, individual customer group items belonging to the sales items by group of the first hierarchy, private bank (PB) customer group items, and special customer groups. A second tier item including at least one item and a corporate group customer item, a second tier item including at least one customer profit analysis item and an organizational profitability analysis item belonging to the profitability analysis item of the first tier; Management information interface means for providing an interface hierarchically including a second hierarchical item including at least one of a profit and loss analysis item and a profit and loss prediction item belonging to the profit and loss management item of the first hierarchy; Profitability analysis items of the first tier corresponding to at least one or more of a personal customer group, a private bank (PB) customer group, a special customer group, and a corporate customer group of the second tier belonging to the group-specific sales item of the first tier Profitability information calculating means for calculating profitability information for each customer and profitability information for each organization; Profit management items of the first tier corresponding to at least one or more of a personal customer group, a private bank (PB) customer group, a special customer group, and a corporate customer group of the second tier belonging to the group-specific sales item of the first tier Profit and loss information generating means for generating profit and loss analysis information and profit and loss prediction information belonging to each other; And Profitability information for each customer of the second tier calculated by corresponding to at least one or more of the individual customer group, private bank (PB) customer group, special customer group, and corporate customer group in association with the management information interface means A third tier based on profitability information and profit and loss analysis information and profit and loss forecast information of a second tier generated corresponding to at least one or more of the individual customer group, private bank (PB) customer group, special customer group, and corporate customer group; And a management information providing means for generating an itemized evaluation profit and loss status table corresponding to the and providing the generated itemized evaluation profit and loss status table to the terminal. The first layer item is It characterized in that it comprises one or more financial accounting items and common business management items, The second layer item is, And at least one financial accounting general item, a financial statement item, and a headquarters management item belonging to the financial accounting item of the first tier, and include at least one daily management status item and various campaign items belonging to the common business management item of the first tier. Characterized in that it further comprises one or more, The third layer is, Integrated management information providing system, characterized in that further comprises a valuation profit and loss status table for one or more items belonging to the second layer items. delete delete delete