KR100918418B1 - System and Method for Predicting Profit and Loss, and Program Recording Medium - Google Patents

Abstract

The present invention relates to a profit and loss prediction method and system and a recording medium therefor, wherein the profit and loss prediction method according to the present invention comprises at least a profitability calculation server for calculating profitability information for each of the profitability calculation targets at least one profitability information receiving means. Receiving profitability information for each of the at least one profit and loss prediction target; extracting at least one profit information and revenue generation cost information from the received profitability information in a predetermined information extraction means; and the profitability in a predetermined simulation means. Performing a simulation for predicting the profit and loss of the profit and loss target through profit and loss statement information including the profit information extracted from the information as a profit account and the income and expenses required information as a loss account and the balance sheet information of the financial institution; Step and given information And generating profit and loss prediction information for each profit and loss prediction target corresponding to the simulation result.

Profitability, Forecast, Output

Description

Profit and loss forecasting method and system and recording medium for the same {System and Method for Predicting Profit and Loss, and Program Recording Medium}

Figure 1 shows the configuration of the entire system for the past profitability analysis and future profitability analysis according to the embodiment of the present invention.

Figure 2 illustrates a system configuration for calculating the profitability of the individual customer service staff according to the embodiment of the present invention.

Figure 3 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 4 illustrates a system configuration for calculating the profitability of the PB customer service staff according to the embodiment of the present invention.

5 is a subscription account profitability information for PB customers, profitability information for subscription accounts for PB customers, transaction profitability information for PB customers, and new PB customers according to an embodiment 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 6 illustrates a system configuration for calculating the profitability of the special customer service staff according to the embodiment of the present invention.

7 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.

8 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.

9 is a subscription account profitability information for the enterprise customer, profitability information for the subscription account for the enterprise customer, transaction profitability information for the enterprise customer, new to the 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 10 shows the system configuration for calculating the profitability of employees of the general financial window according to the embodiment of the present invention.

11 is a comprehensive financial group profitability calculation comprising at least one or more investment profitability information, credit profitability information, received 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.

Figure 12 illustrates a system configuration for calculating the profitability of the funds / international teller staff in accordance with an embodiment of the present invention.

FIG. 13 is a view of 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.

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

15 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 in accordance with an embodiment of the present invention It shows the operation flow.

FIG. 16 illustrates 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.

FIG. 17 is a diagram illustrating a model profit and loss simulation model that operates based on an income statement extracted from balance sheet information and profitability information of a financial institution according to an embodiment of the present invention.

FIG. 18 is a diagram illustrating 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.

19 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.

20 is a diagram illustrating a process of estimating 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.

<Description of main parts of drawing>

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

110: profitability calculation server for special customer group 115: profitability calculation server for financial group

120: profitability calculation server of trust group 125: profitability calculation server of PB customer group

130: corporate customer group profitability calculation server 135: fund / international group profitability calculation server

140: financial system 145: account

150: information system 155: external system

160: interface module (middleware) 165: DBMS

The present invention comprises the steps of receiving at least one profitability information for each profit or loss prediction target from the profitability calculation server that calculates profitability information for each one or more profitability calculation targets in a predetermined profitability information receiving means, and the received information in the predetermined information extraction means Extracting at least one profit information and revenue generation cost information from profitability information, including profit information extracted from the profitability information in a predetermined simulation means as a profit account and including the profit generation cost information as a loss account; Performing a simulation for predicting the profit or loss of the profit and loss target through the income statement information and the balance sheet information of the financial institution; and generating profit and loss forecast information for each profit and loss target corresponding to the simulation result by a predetermined information generating means; Steps to It relates to a method for predicting income also.

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 huge loss from the financial institution's point of view without operating the business by analyzing the past and forecast of the various businesses of the financial company.

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

However, such a unit-level profitability analysis may be useful for calculating the unit-level past profitability analysis results for various businesses of financial institutions. It is meaningless without past profitability analysis and future profitability prediction of the results of the employee, and besides the employees of the unit branch, the financial company can calculate and predict profitability across all business areas of the financial company. In addition, the analysis of profitability at the unit level in the past includes difficulty in calculating and predicting the true profitability of financial companies.

An object of the present invention for solving the above problems is, profitability information receiving means for receiving at least one profitability information for each profit or loss prediction target from the profitability calculation server for calculating profitability information for each one or more profitability calculation target, and the received profitability Information extracting means for extracting at least one profit information and revenue generation cost information from the information, and income statement information including profit information extracted from the profitability information as a profit account and including the profit generation expenses information as a loss account; And a profit and loss prediction comprising simulation means for performing a simulation for predicting profit and loss of the profit and loss target through balance sheet information of the financial institution and information generating means for generating profit and loss prediction information for each profit and loss target corresponding to the simulation result. System In the gongham.

The profit and loss prediction method according to the present invention comprises the steps of: receiving at least one profitability information for each profit or loss prediction target from a profitability calculation server that calculates profitability information for each one or more profitability calculation targets in the predetermined profitability information receiving means; Extracting at least one or more profit information and revenue generation cost information from the received profitability information in the extracting means; and including profit information extracted from the profitability information in a predetermined simulation means as a profit account and generating the profit generation cost Performing a simulation for predicting the profit or loss of the profit and loss target through the income statement information including the information as a loss account and the balance sheet information of the financial institution; and a predetermined profit and loss forecast object corresponding to the simulation result Profit and Loss Forecast And generating a beam.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described profit and loss method.

On the other hand, the profit and loss prediction system according to the present invention, profitability information receiving means for receiving at least one profitability information for each profit or loss prediction target from the profitability calculation server for calculating profitability information for each one or more profitability calculation target, and the received profitability information Information extracting means for extracting at least one profit information and revenue generation cost information from the profit and loss statement information including profit information extracted from the profitability information as a profit account and including the profit generation expenses information as a loss account; And simulation means for performing a simulation for predicting the profit and loss of the target for profit and loss through the balance sheet information of the financial institution, and information generating means for generating the profit and loss forecast information for each profit and loss target corresponding to the simulation result. One All.

According to the present invention, the simulation means may further include at least one or more of sales strategy information, market environment information, asset / liabilities balance information, and budget information of the financial institution to perform a simulation for predicting the profit or loss of the profit and loss target. It is characterized by.

According to the present invention, the profit and loss prediction system further includes information analysis means for calculating future achievement target information for the profit and loss target through trend analysis (Trend Analysis) on the at least one profit or loss prediction information for a certain period in the past. It is characterized by comprising.

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.

Figure 1 shows the configuration of the entire system for past profitability analysis and future profitability prediction according to the method of the present invention.

More specifically, Figure 1 divides the profit calculation unit into seven for profitability analysis in the past, calculates the profitability of each unit according to the date in each of the seven servers, and calculates the results of the seven servers in the profitability prediction server ( 100 shows a system for predicting and operating past profitability analysis and future profitability prediction, and those skilled in the art to which the present invention pertains may refer to FIG. Various implementation methods for analyzing and predicting and operating future profitability predictions may be inferred, but the present invention is not limited to the drawing 1, but includes all the implementation methods inferred.

Referring to FIG. 1 according to an embodiment of the present invention, the entire system for predicting and operating past profitability analysis and future profitability prediction includes individual customer group profitability calculation server 105 and PB customer group profitability calculation server 125. , Special customer group profitability calculation server (110), corporate customer group profitability calculation server (130), comprehensive financial group profitability calculation server (115), fund / international group profitability calculation server (135), trust group profitability calculation server (120) Profitability prediction server 100, characterized in that it comprises a financial system 140.

In addition, individual customer group profitability calculation server 105, PB customer group profitability calculation server 125, special customer group profitability calculation server 110, corporate customer group profitability calculation server 130, comprehensive financial group profitability calculation server ( 115), the fund / international group profit calculation server 135, the trust group profit calculation server 120, and the integrated profit calculation server may be provided inside the financial system 140 or provided outside the financial system 140. May be

In addition, individual customer group profitability calculation server 105, PB customer group profitability calculation server 125, special customer group profitability calculation server 110, corporate customer group profitability calculation server 130, comprehensive financial group profitability calculation server (115) ), The fund / international group profit calculation server 135, the trust group profit calculation server 120, and the integrated profit calculation server may be provided in the form of a module in one or several servers.

Here, the integrated server is connected to the external system 155 of the financial system 140, the information receiving unit (or information receiving means) for receiving information of the individual customer group receiving information from the ledger D / B, PB customer group Information receiving unit for receiving information, Information receiving unit for receiving information of special customer group, Information receiving unit for receiving information of corporate customer group, Information receiving unit for receiving information of comprehensive financial group, Information for receiving information of fund / international group Receiving unit, characterized in that it comprises at least one or more information receiving unit for receiving information of the trust group.

In addition, the integrated server is an information extraction unit (or information extraction means) for extracting information on the individual customer group of the information received from the information receiving unit, the information extraction unit for extracting information about the PB customer group, special customer group 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 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 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 by using date profitability information of employee organization of PB customer group, and calculate profitability prediction result forecasting future profitability, and date profitability information about employee organization of special customer group. Analyze past profitability using the profitability prediction result calculation unit that predicts future profitability and date profitability information of the employee organization of the corporate customer group to analyze past profitability and predict future profitability. Profitability prediction result calculation unit, past profitability by using profitability information by date of employee organization 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 using profitability prediction result calculation unit that predicts future profitability and date profitability information of employees' branches of corporate customer group, and predict future profitability Profitability in the past using forecast result calculation department and profitability information by date for employees' branches of the comprehensive financial group Profit forecasting result calculating section for analyzing and predicting future profitability, Profitability forecasting result calculating section for analyzing past profitability by using profitability information by date of employee's branch of fund / international group and predicting future profitability In addition, by analyzing the profitability of the past by using the profitability information for each day of the employee branch of the trust group, characterized in that it comprises at least one profitability prediction result calculation unit for predicting the future profitability.

In addition, the integrated server information storage unit (or information storage means) for storing the daily profitability information according to the employee calculated by the profitability calculation unit in the daily profitability calculation information D / B for the individual customer group, PB customer group Profitability calculation information stored in D / B for each day, Information storage unit stored in the profitability calculation information D / B for the special customer group, Profitability calculation information D / B for the corporate customer group Information storage 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 105 may calculate profitability by date or transaction details of individual customer groups by date or by individual customer group's account products or non-account products. It is characterized in that it provides a function to calculate the individual customer group profitability 105 to calculate the profitability according to the new account product or new non-account product subscription of the individual 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 125 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. Providing a function of calculating the profitability of the PB customer group to calculate the profitability of joining a new account product or a new non-account product.

According to the exemplary embodiment of the present invention, the special customer group profitability calculation server 110 calculates 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 the implementation method of the present invention, the corporate customer group profitability calculation server 130 calculates the profitability by the account product or non-account product of the corporate customer group or the profitability calculation or the corporate customer group by a certain period of transaction history of the corporate customer group It provides a function of calculating the profitability of the corporate customer group to calculate the profitability of joining a new account product or a new non-account product.

According to the implementation method of the present invention, the comprehensive financial group profitability calculation server 115 is based on investment finance or international finance or Asset-Backed Securities (ABS) or SOC (Social Overhead Capital) 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 135 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 120 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 embodiment of the present invention, the integrated profitability calculation server may include profitability information calculated by the individual customer group profitability calculation server 105, profitability information calculated by the PB customer group profitability calculation server 125, or the special information. Profitability information calculated by the customer group profitability calculation server 110, profitability information calculated by the corporate customer group profitability calculation server 130, profitability information calculated by the comprehensive financial group profitability calculation server 115, or funds / International group profitability calculation server 135, characterized in that it provides an integrated profitability calculation function comprising at least one or more profitability information calculated by the trust group profitability calculation server 120.

According to an embodiment of the present invention, the financial system 140 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 140 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 140 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based) connected to the TCP / IP-based backbone network through the Internet banking server At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face 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 140 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 140 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 140 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 140 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 140 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 1, the financial system 140 is provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. As a computer system, an accounting system (145) that processes a window service such as a credit or a reception or a trust or a foreign exchange occurring in at least one branch (or window), and processes the headquarters business, supports branch information, and manages customer information. Interconnection between the information system 150 and the financial system 140 and at least one other financial system 140 (and / or payment system), and / or at least one non-face-to-face provided in at least one external communication network. The financial in the means of financial transactions (e.g., internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) And an external system 155 which provides access to the system 140 and / or various financial transaction interfaces through at least one or more common networks (e.g., CD common networks, financial common networks). The financial system 140 performs an interface module 160 corresponding to a middleware platform that provides interfacing between components in the financial system 140, and performs functions in each component of the financial system 140. Has a DBMS 165 (DataBase Management System) comprising at least one database for storing and managing predetermined information (e.g., ledger information, and / or customer information, and / or management information, etc.) required for Characterized in that made.

In addition, the financial system 140 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 140 and the purpose of the financial system 140. 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 140, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

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

More specifically, Figure 2 shows customer information 205 (e.g., social security number, etc.), one or more subscription account information 210 (e.g., savings account, savings account, etc.) or subscription cost information ( 215) (e.g., foreign exchange products (eg imports and exports, etc.), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), collateral services (exchanges, etc.), subscription accounts, or Employee information in charge of the subscription fee account, transaction details (225) for a period associated with the customer information (205), employee information in charge of the transaction details (225), new subscription account information (210) or new subscription fee The employee information of the account information 215, the new subscription account information 210 or the new subscription cost account information 215 is extracted, and the information about the individual customer is extracted from the extracted information. Internal system for calculating profitability As shown in the configuration, a person having ordinary knowledge in the field of the present invention can infer various implementation methods of the system for calculating the profitability of the individual customer group with reference to FIG. It is not limited to Fig. 2, but includes all the implementation methods inferred.

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

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

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

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

In addition, 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 history 225 is preferably a bank account, withdrawal transaction history 225, the current or other remittances, etc. preferably means.

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 personal customer teller is calculated by the profitability of the account product or non-account product of the individual customer group or the profitability calculation by the transaction history 225 of the individual customer group At least one face-to-face or non-face-to-face financial transaction channel provided in the individual customer group profitability calculation server 105 and the branch (or branch) of the financial institution for calculating the profitability of the new group of accounts or new non-account products. It is characterized in that it comprises a financial system 140 for providing at least one or more financial transactions (for example, credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) services.

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

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

The personal customer group profitability calculation server 105 may include customer information 205, one or more subscription account information 210 or one or more subscription cost account information 215 associated with the customer information 205, the subscription account or subscription cost account. Employee information in charge of, transaction details 225 for a certain period of time associated with the customer information 205, employee information in charge of the transaction details 225, new subscription account information 210 or new subscription fee Extracting the account information 215 from the financial system 140, 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, With reference to Figure 2, various information for calculating the individual customer group profitability 105, such as the cost (e.g., employee wages) for the employee in charge of the individual customer, is added to the method of confirming the profitability of the individual customer group. But it can, in the case of FIG. 2 elements for the costs of the staff will be omitted because it was not used in the calculation shown 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 105 may include a D / B for storing profitability calculation results of individual customer groups for each channel or employee, or a D / B for storing profitability calculation results for individual customer groups for each channel or employee. Interworking with a separate D / B server having a B and a communication network.

Referring to FIG. 2, the personal customer group profitability calculation server 105 receives an information from the ledger D / B 200 in association with the external system 155 of the financial system 140. (Or information receiving means), information extraction unit 235 (or information extraction means) for extracting the necessary information from the information received from the ledger D / B (200), among the information extracted from the ledger D / B (200) Information confirmation unit 240 (or information confirmation means) for confirming the profitability information, a profitability calculation unit (or profitability calculation means) for calculating the profitability information from the profitability confirmation information, storing the profitability calculation information in the D / B It is characterized by comprising an information storage unit 250 (or information storage means).

Here, the ledger D / B 200 is a D / B provided in the financial system 140. The ledger D / B 200 includes customer information 205 and account information necessary for calculating profitability for an individual customer group. (210), the non-account information 215, the employee information 220, the transaction history 225 is preferably included.

According to the exemplary embodiment of the present invention, the information receiving unit 230 may include the customer information 205, the account information 210 and the account staff information 220 registered by the customer, or the non-account information 215 subscribed to the customer. ) And non-account employee information 220 or the transaction details (225) that the customer has dealt with the employee information processing the transaction or the new subscription account information (210) and the new subscription account for the account that the customer newly registered External information 155 of the financial system 140 includes information including at least one of employee information 220 or new subscription fee account information 215 and new subscription fee account staff information 220 newly registered by the customer. In response to the ledger information received from the ledger D / B (200) is provided to the information extraction unit (235).

Here, the ledger information is customer information 205, account information 210, and non-account information 215 that the individual customer group profitability calculation server 105 requests from the financial system 140 to calculate profitability for the individual customer group. It is preferable that the staff member 220, the transaction history 225, including the information.

According to the exemplary embodiment of the present invention, the information extracting unit 235 may include the customer information 205 received from the information receiving unit 230, one or more subscription account information 210 associated with the customer information 205, or a subscription fee. The account information 215, extract the information on the individual customer from the employee information in charge of the subscription account or subscription fee account provided to the information verification unit 240, or the customer received by the information receiving unit 230 The information confirmation unit extracts information on the individual customer from the information 205, the transaction history 225 for a predetermined period associated with the customer information 205, and the employee information in charge of the transaction history 225. 240 or new subscription account information 210 or new subscription ratio account information 215 associated with the customer information 205, the customer information 205 received from the information receiving unit 230, or the new information. Manage your subscription account or new subscription account Li ha extracts information on the individual customer from the employee information and provides it to the information verification unit 240.

According to the exemplary embodiment of the present invention, the information checking unit 240 may include the customer information 205 extracted from the information extracting unit 235, one or more subscription account information 210 associated with the customer information 205, or a subscription fee. From account information 215, employee information in charge of the subsidiary account or subscription account, the information on the individual customer subscription account profitability information or non-account profitability information, or the customer information extracted from the information extraction unit 235 (205) ), Transaction profitability information from the transaction history 225 for a predetermined period associated with the customer information 205, the personal information of the employee information in charge of the transaction history 225, or the information extraction unit ( Among the customer information 205 extracted from the customer information 205, the new subscription account information 210 or new subscription cost information 215 associated with the customer information 205, the new subscription account or the employee information for managing the new subscription cost account; dog In the information for the customer make a new subscription account profitable information or new subscription account margin information, and provides part of the information storage unit 250 and the calculation of margins.

The profitability calculation unit may include subscription account profitability information for individual customers, subscription ratio account profitability information for individual customers, transaction profitability information for individual customers, or new subscription account profitability information for individual customers provided by the information checking unit 240, Profitability is calculated in connection with profitability information for a plurality of individual customers including at least one new subscription non-account profitability information for the individual customer, the information storage unit 250 for the calculated profitability information for the individual customer To provide.

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

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, such as the handling fee for foreign exchange product transactions, the handling fee for derivatives, the operating fee for derivatives, the handling fee for securities, or the handling fee for ancillary services, etc. It is desirable to calculate the profitability information of each day.

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

In addition, it is preferable that the profitability calculation unit for the individual customer calculates profitability information such as handling fees for the unpaid deposit in the transaction history 225 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 the implementation method of the present invention, the information storage unit 250 stores the profitability information provided by the profitability calculation unit in the D / B provided in the individual customer group profitability calculation server 105, or provided by the profitability calculation unit It is linked with a separate D / B server having a D / B storing profitability information through a communication network.

According to the implementation method of the present invention, the financial system 140 is linked to the personal customer group profitability calculation server 105 in connection with the ledger D / B (200) in the financial system 140, the individual customer It provides a function for providing to the group profit calculation server 105, and detailed description of the internal configuration has been described with reference to Figure 1, it will be omitted.

In addition, the ledger information for the ledger D / B 200 of the financial system 140 has more information than the information shown in the ledger D / B 200 of the financial system 140 shown in Figure 2, Only the information for calculating the customer group profitability 105 is shown.

Figure 3 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.

In more detail, Figure 3 shows the ledger information from the ledger D / B (200) of the financial system 140 shown in Figure 1 and the individual customer through the individual customer group profitability calculation server 105 shown in Figure 2 The above five conditions of the group (subscription account profitability information for individual customers, subscription account profitability information for individual customers, transaction profitability information for individual customers, new subscription account profitability information for individual customers, new subscription account accounts for individual customers) Profitability information) to check the profitability information and to store and register in the D / B of the individual customer group profitability calculation server 105, if the person having ordinary knowledge in the field of the present invention, Figure 3 With reference to the various implementation methods of the system for calculating the profitability of the individual customer group can be inferred, the present invention is not limited to this Figure 3, the inferred mother It includes an exemplary method.

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

Referring to FIG. 3A, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 200 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 200 to the server.

Here, the ledger information is stored in the ledger D / B 200 of the financial system 140, registered customer information 205, subscription account information 210 associated with the customer information 205, the subscription account described above It is desirable to mean employee information in charge.

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

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

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 140 as described above, the server extracts the subscription account information 210 from the ledger information and extracts the information on the individual customer group from the subscription account information 210.

If information about groups other than the individual customer group is extracted from the subscription account information 210, the group is processed by referring to the information shown in the other drawings of the present invention according to each group. Only the parts for

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

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. 3B, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 200 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 200 to the server.

Here, the ledger information is stored in the ledger D / B 200 of the financial system 140, registered customer information 205, subscription cost account information 215 associated with the customer information 205, the subscription fee account It is desirable to mean employee information in charge.

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

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

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

In addition, 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 140 as described above, the server extracts the subscription ratio account information 215 from the ledger information, and extracts the information on the individual customer group from the subscription ratio account information 215.

If information about groups other than the individual customer group is extracted from the subscription account information 210, the group is processed with reference to the information shown in the other drawings of the present invention according to each group, and in this figure 3b, the individual customer group Only the parts for

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

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. 3c, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 200 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 200 to the server.

Here, the ledger information is stored in the ledger D / B 200 of the financial system 140, registered customer information 205, transaction history 225 information associated with the customer information 205, the transaction history (225) It is preferable to mean the employee information in charge.

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

In addition, the transaction history 225 is preferably a bank account, withdrawal transaction history 225, the current or other remittances, etc. preferably means.

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 140 as described above, the server extracts the transaction history 225 information from the ledger information, and extracts the information on the individual customer group from the transaction history 225 information.

If information about groups other than the individual customer group is extracted from the subscription account information 210, the individual account group is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the parts for

Thereafter, the server calculates the profitability of the transaction history 225 corresponding to the individual customer group, and stores and registers the calculated profitability information in the server D / B.

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

Referring to FIG. 3D, the server accesses the financial system 140 through a predetermined communication network and provides the server with ledger information of the ledger D / B 200 of the financial system 140 for calculating the profitability. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 200 to the server.

Here, the ledger information is stored in the ledger D / B 200 of the financial system 140, registered customer information 205, new subscription account information 210 associated with the customer information 205, the new It is preferable to mean the employee information in charge of the subscription account.

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

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

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

When the ledger information is provided from the financial system 140 as described above, the server extracts the new subscription account information 210 from the ledger information, and the information about the individual customer group in the new subscription account information 210. Extract.

If the information on the groups other than the individual customer group is extracted from the subscription account information 210, the individual customer group is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the parts for

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

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. 3E, the server accesses the financial system 140 through a predetermined communication network and provides the server with the ledger information of the ledger D / B 200 of the financial system 140 for calculating the profitability. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 200 to the server.

Here, the ledger information is stored in the ledger D / B 200 of the financial system 140, registered customer information 205, new subscription ratio account information 215 associated with the customer information 205, the new It is preferable to mean the employee information in charge of the subscription account.

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

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

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

In addition, 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 140 as described above, the server extracts the new subscription ratio account information 215 from the ledger information, and extracts the information on the individual customer group from the new subscription ratio account information 215. do.

If information about groups other than the individual customer group is extracted from the subscription account information 210, the individual account group is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the parts for

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

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

In more detail, Figure 4 shows customer information 405 (eg, social security number, etc.), one or more subscription account information 410 (eg, savings account, savings account, etc.) or subscription cost information ( 415) (e.g., foreign exchange products (eg imports and exports, etc.), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), collateral services (exchanges, etc.), subscription accounts, or Employee information in charge of subscription fee account, transaction details 425 for a certain period of time associated with customer information 405, employee information in charge of the transaction details 425, new subscription account information 410 or new subscription fee The employee information of the account information 415, the new subscription account information 410, or the new subscription fee account information 415 is extracted, and the information about the PB customer is extracted from the extracted information. The internal structure of the system As a matter of fact, those skilled in the art to which the present invention pertains may refer to various embodiments of the system for calculating the profitability of the PB customer group with reference to FIG. 4, but the present invention is shown in FIG. It includes, but is not limited to, all the methods of inferred above.

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

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

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

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

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

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

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

In addition, the transaction history 425 preferably means a bank account, transaction details 425, the current or other remittance history.

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 teller is calculated based on the profitability of the account product or non-account product of the PB customer group or the profitability calculation of the PB customer group for a certain period of time (425) At least one face-to-face or non-face-to-face financial transaction channel provided in the PB customer group profitability calculation server 125 and the branch (or branch) of the financial institution for calculating the profitability of the customer group's new account or new non-account product subscription. It is characterized in that it comprises a financial system 140 for providing at least one or more financial transactions (for example, credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) services.

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

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

The PB customer group profitability calculation server 125 may include customer information 405, one or more subscription account information 410 or one or more subscription cost account information 415 associated with the customer information 405, the subscription account or subscription account. Employee information in charge of the transaction, the transaction history 425 for a predetermined period associated with the customer information 405, employee information in charge of the transaction history 425, new subscription account information 410 or a new subscription account Extracting the information 415 from the financial system 140, it is preferable to check the profitability of the employee-specific PB customer group according to the employee information, if the person having ordinary knowledge in the field of the present invention, this figure Referring to 4, various information for calculating the profitability of the PB customer group, such as the expenses (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. The four elements of the costs of the staff 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 125 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 the profitability calculation results of the PB customer group for each channel / employee. Interworking with a separate D / B server having a B and a communication network.

Referring to FIG. 4, the PB customer group profitability calculation server 125 receives an information from the ledger D / B 400 in association with the external system 155 of the financial system 140. (Or information receiving means), information extraction unit 435 (or information extraction means) for extracting the necessary information from the information received from the ledger D / B 400, of the information extracted from the ledger D / B 400 An information checking unit 440 (or information checking means) for checking profitability information, a profitability calculating unit (or profitability calculating means) for calculating profitability information from the profitability checking information, and storing the profitability calculation information in D / B And an information storage unit 450 (or information storage means).

Here, the ledger D / B 400 is a D / B provided in the financial system 140, and the ledger D / B 400 includes customer information 405 and account information necessary for calculating profitability for the PB customer group. 410, the non-account information 415, the employee information 420, and the transaction history 425 information are preferably included.

According to the exemplary embodiment of the present invention, the information receiving unit 430 may include the customer information 405, the account information 410 and the account employee information 420 subscribed to the customer, or the non-account information 415 subscribed to the customer. ) And non-account employee information 420 or the transaction details 425 and the employee information processing the transaction or the new subscription account information 410 and the new subscription account for the account newly registered by the customer External information 155 of the financial system 140 includes information including at least one of employee information 420 or new subscription fee account information 415 newly registered by the customer and new employee account charge staff information 420. In response to the ledger information received from the ledger D / B 400 is provided to the information extraction unit 435.

Here, the ledger information is customer information 405, account information 410, non-account information 415, which is requested from the PB customer group profitability calculation server 125 to the financial system 140 in order to calculate profitability for the PB customer group. It is preferable that the information including the staff information 420, transaction history 425 information.

According to the exemplary embodiment of the present invention, the information extracting unit 435 may include the customer information 405 received from the information receiving unit 430, one or more subscription account information 410 associated with the customer information 405, or a subscription fee. The account information 415, the employee information in charge of the subscription account or subscription account, extracts the information about the PB customer to provide to the information verification unit 440, or the customer received by the information receiving unit 430 Information about the PB customer from the information 405, the transaction history 425 for a predetermined period associated with the customer information 405, and the employee information in charge of the transaction history 425; 440 or new subscription account information 410 or new subscription ratio account information 415 associated with the customer information 405, the customer information 405 received from the information receiving unit 430, and the new account. Manage your signup account or new signup account Of the employee information by extracting the information about the PB customer provides to the information check unit 440.

According to the exemplary embodiment of the present invention, the information checking unit 440 may include the customer information 405 extracted from the information extracting unit 435, one or more subscription account information 410 associated with the customer information 405, or a subscription fee. Account information 415, subscription account profitability information or non-account profitability information from the information on the PB customer of the subscription account or subscription account, or the customer information 405 extracted from the information extraction unit 435 ), Transaction profitability information from the transaction details 425 for a predetermined period associated with the customer information 405, information about PB customers among the employee information in charge of the transaction details 425, or the information extraction unit ( Among the customer information 405, the new subscription account information 410 or new subscription account information 415 associated with the customer information 405, the employee information to manage the new subscription account or new subscription cost account extracted from 435) To PB customers In the information make a new subscription account profitable information or new subscription account margin information, and provides the portion of the data storage unit 450 and the calculation of margins.

The profitability calculation unit may include subscription account profitability information for the PB customer or subscription cost account profitability information for the PB customer or transaction profitability information for the PB customer or new subscription account profitability information for the PB customer provided by the information checking unit 440 or Profitability is calculated in connection with profitability information for various PB customers including at least one new subscription non-account profitability information for PB customers, and the information storage unit 450 stores the profitability information for the PB customers. To provide.

According to an embodiment of the present invention, the profitability calculation unit borrows deposits for savings accounts or savings accounts from subscription account information for PB customers and receives profitable information such as interest income or loan interest income for loan accounts by date. It is preferable to calculate.

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, such as the handling fee for foreign exchange commodity trading, the handling fee for derivatives, the operating fee for derivatives or the handling fee for securities, or the handling fee for ancillary services, etc. It is desirable to calculate the profitability information of each day.

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 for the PB customer it is preferable to calculate the profitability information, such as handling fees for the unpaid bank deposit in the transaction history 425 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.

In this case, the profitability information of the new subscription account for the PB customer is potential interest profitability or new potential loan profitability or new interest loan that can be borrowed and receive interest on the newly registered savings account or the newly subscribed savings account. 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 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 450 stores the profitability information provided by the profitability calculation unit in a D / B provided in the PB customer group profitability calculation server 125 or provided by the profitability calculation unit. It is linked with a separate D / B server having a D / B storing profitability information through a communication network.

According to the implementation method of the present invention, the financial system 140 in connection with the ledger D / B 400 in the financial system 140 in connection with the PB customer group profitability calculation server 125, the PB customer It provides a function for providing to the group profit calculation server 125, and since the detailed description of the internal configuration has been described with reference to Figure 1, it is omitted.

In addition, the ledger information for the ledger D / B 400 of the financial system 140 has more information than the information shown in the ledger D / B 400 of the financial system 140 shown in Figure 4, PB Only the information for calculating customer group profitability is shown.

Figure 5 is a subscription account profitability information for PB customers, profitability information 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.

In more detail, FIG. 5 shows the ledger information from the ledger D / B 400 of the financial system 140 shown in FIG. 1, and the PB customer through the PB customer group profitability calculation server 125 shown in FIG. The above five conditions of the Group (subscription account profitability information for PB customers, subscription cost account profitability information for PB customers, transaction profitability information for PB customers, new subscription account profitability information for PB customers, and new subscription account accounts for PB customers Profitability information) to check the profitability information and to store and register in the D / B of the PB customer group profitability calculation server 125, if the person having ordinary knowledge in the field of the present invention, this figure 5 With reference to the various implementation methods of the system for calculating the profitability of the PB customer group may be inferred, but the present invention is not limited to this figure 5, and includes all the implementation methods inferred.

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

Referring to FIG. 5A, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 400 to calculate the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 400 to the server.

Here, the ledger information is stored in the ledger D / B 400 of the financial system 140, registered customer information 405, subscription account information 410 associated with the customer information 405, the subscription account described above It is desirable to mean employee information in charge.

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

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

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

Upon receiving the ledger information from the financial system 140 as described above, the server extracts the subscription account information 410 from the ledger information, and extracts the information on the PB customer group from the subscription account information 410.

If information about groups other than the PB customer group is extracted from the subscription account information 410, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the parts for

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

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

Referring to FIG. 5B, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 400 to calculate the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 400 to the server.

Here, the ledger information is stored in the ledger D / B 400 of the financial system 140, registered customer information 405, subscription cost account information 415 associated with the customer information 405, the subscription fee account It is desirable to mean employee information in charge.

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

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

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

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

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

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

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

When the ledger information is provided from the financial system 140 as described above, the server extracts the subscription ratio account information 415 from the ledger information and extracts the information on the PB customer group from the subscription ratio account information 415.

If information on groups other than the PB customer group is extracted from the subscription account information 410, the group is processed with reference to the information shown in the other drawings of the present invention according to each group, and in this figure 5b, the PB customer group Only the parts for

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

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. 5C, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 400 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 400 to the server.

Here, the ledger information is stored in the ledger D / B 400 of the financial system 140, registered customer information 405, transaction history 425 information associated with the customer information 405, the transaction history It is preferred to mean employee information in charge of (425).

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

In addition, the transaction history 425 preferably means a bank account, transaction details 425, the current or other remittance history.

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 140 as described above, the server extracts the transaction history 425 information from the ledger information and extracts the information on the PB customer group from the transaction history 425 information.

If information about groups other than the PB customer group is extracted from the subscription account information 410, the PB customer group is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the parts for

Thereafter, the server calculates the profitability of the transaction history 425 corresponding to the PB customer group, and stores and registers the calculated profitability information in the server D / B.

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

Referring to FIG. 5D, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 400 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 400 to the server.

Here, the ledger information is stored in the ledger D / B 400 of the financial system 140, registered customer information 405, new subscription account information 410 associated with the customer information 405, the new It is preferable to mean the employee information in charge of the subscription account.

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

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

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

When the ledger information is provided from the financial system 140 as described above, the server extracts the new subscription account information 410 from the ledger information, and extracts the information on the PB customer group from the new subscription account information 410. do.

If information about groups other than the PB customer group is extracted from the subscription account information 410, the PB customer group is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the parts for

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

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. 5E, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 400 to calculate the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 400 to the server.

Here, the ledger information is stored in the ledger D / B 400 of the financial system 140, registered customer information 405, new subscription ratio account information 415 associated with the customer information 405, the new It is preferable to mean the employee information in charge of the subscription account.

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

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

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

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

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

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

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

When the ledger information is provided from the financial system 140 as described above, the server extracts the new subscription fee account information 415 from the ledger information, and extracts the information on the PB customer group from the new subscription fee account information 415. do.

If information about groups other than the PB customer group is extracted from the subscription account information 410, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the parts for

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

Here, the profitability information of the new subscription fee for the PB customer 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.

Figure 6 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 6 shows customer information 605 (eg, social security number, etc.), one or more subscription account information 610 (eg, savings account, savings account, etc.) or subscription cost information ( 615) (e.g., foreign exchange products (eg imports and exports, etc.), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), collateral services (exchanges, etc.), subscription accounts, or Employee information in charge of the subscription fee account, transaction history 625 for a certain period associated with the customer information (605), employee information in charge of the transaction history (625), new subscription account information (610) or new subscription fee The employee information of the account information 615, the new subscription account information 610, or the new subscription fee account information 615 is extracted, and the information about the special customer is extracted from the extracted information, and the counter staff for the special customer group is extracted. Internal system for calculating profitability As shown in the configuration, a person having ordinary knowledge in the field to which the present invention pertains will be able to infer various implementation methods of the system for calculating the profitability of the special customer group with reference to FIG. It is not limited to Fig. 6, but includes all the implementation methods inferred.

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

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

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

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

In addition, 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 625 may mean a bank account, transaction details 625, current or other remittances, and 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 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 625 of the special customer group or the special period. At least one face-to-face or non-face-to-face financial transaction channel provided in a special customer group profitability calculation server 110 and a branch (or branch) of a financial institution for calculating the profitability of a new group of accounts or a new non-account product. It is characterized in that it comprises a financial system 140 for providing at least one or more financial transactions (for example, credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) services.

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

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

The special customer group profitability calculation server 110 may include customer information 605, one or more subscription account information 610 associated with the customer information 605, or one or more subscription cost account information 615, the subscription account or subscription account. Employee information in charge of the transaction, the transaction history 625 for a predetermined period associated with the customer information 605, employee information in charge of the transaction history 625, new subscription account information 610 or a new subscription account Extracting the information 615 from the financial system 140, 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 6, you can add a variety of information to calculate the profitability of the special customer group, such as the expenses (e.g., employee wages), etc. However, in FIG. 6, the factor of the employee's cost 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 garden oil costs, retirement allowance allowances, depreciation expenses, and masonry.

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

The special customer group profitability calculation server 110 includes a D / B for storing the profitability calculation result of the special customer group for each channel or employee, or the D / B for storing the profitability calculation result 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. 6, the special customer group profitability calculation server 110 receives an information from the ledger D / B 600 in association with the external system 155 of the financial system 140. (Or information receiving means), information extraction unit 635 (or information extraction means) for extracting the necessary information from the information received from the ledger D / B 600, of the information extracted from the ledger D / B 600 An information checking unit 640 (or information checking means) for checking profitability information, a profitability calculating unit (or profitability calculating means) for calculating profitability information from the profitability checking information, and storing the profitability calculation information in D / B An information storage unit 650 (or information storage means) is provided.

Here, the ledger D / B 600 is a D / B provided in the financial system 140. The ledger D / B 600 includes customer information 605 and account information necessary for calculating profitability for a special customer group. 610, non-account information 615, staff information 620, and transaction details 625.

According to the exemplary embodiment of the present invention, the information receiving unit 630 may include the customer information 605, the account information 610 subscribed to the customer, the account employee information 620, or the non-account information 615 subscribed to by the customer. ) And non-account staff information (620) or the transaction details 625 and the transaction information of the customer and the employee processing the transaction or new subscription account information (610) and new subscription account for the account newly signed up by the customer External information 155 of the financial system 140 includes information including at least one of employee information 620 or new subscription fee account information 615 and new subscription fee staff information 620 newly registered by the customer. In response to the ledger information received from the ledger D / B 600 is provided to the information extraction unit 635.

Here, the ledger information is customer information 605, account information 610, non-account information 615 that the special customer group profitability calculation server 110 requests from the financial system 140 to calculate the profitability for the special customer group. It is preferable that the information including the staff information 620, transaction history 625.

According to the exemplary embodiment of the present invention, the information extracting unit 635 may include the customer information 605 received from the information receiving unit 630, one or more subscription account information 610 associated with the customer information 605, or Extracting the information on the special customer from the subscription ratio account information 615, the employee information in charge of the subscription account or subscription account, and provides the information to the information verification unit 640, or received from the information receiving unit 630 The information checking unit extracts information on a special customer among customer information 605, transaction details 625 for a predetermined period associated with the customer information 605, and employee information in charge of the transaction details 625. 640 or the new subscription account information 610 or the new subscription ratio account information 615 associated with the customer information 605, the customer information 605 received from the information receiving unit 630. Manage new or non-new account We extract the information about the special customer from the employee information and provide it to the information verification unit 640.

According to an exemplary embodiment of the present invention, the information checking unit 640 may include one or more subscription account information 610 or subscription fees associated with the customer information 605 and the customer information 605 extracted by the information extraction unit 635. Account information 615, subscription account profitability information or non-account profitability information from the information on the special customer among the account information in charge of the subscription account or subscription account, or the customer information 605 extracted from the information extraction unit 635 ), Transaction profitability information from the transaction history 625 for a predetermined period associated with the customer information 605, information about a special customer among the employee information in charge of the transaction history 625, or the information extraction unit ( Among the customer information 605, the new subscription account information 610 or new subscription account information 615 associated with the customer information 605, the employee information managing the new subscription account or the new subscription ratio account extracted from 635) Scoop In the information for the customer make a new subscription account profitable information or new subscription account margin information, and provides the portion of the data storage unit 650 and the calculation of margins.

The profitability calculation unit may include subscription account profitability information for the special customer or subscription non-account profitability information for the special customer, transaction profitability information for the special customer, or new subscription account profitability information for the special customer provided by the information checking unit 640. Profitability is calculated by linking profitability information for various special customers including at least one new subscription non-account profitability information for the special customer, and the information storage unit 650 for the calculated profitability information for the special customer. To provide.

According to an embodiment of the present invention, the profitability calculation unit borrows deposits for savings accounts or savings accounts from subscription account information for special customers and receives profitable information such as interest income or loan interest income for loan accounts by date. It is preferable to calculate.

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, such as the handling fee for foreign exchange commodity trading, the handling fee for derivatives, the operating fee for derivatives or the handling fee for securities, or handling fees for ancillary services, etc. It is desirable to calculate the profitability information of each day.

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 for the special customer calculates profitability information such as handling fees for the unpaid deposit in the transaction history 625 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 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 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 embodiment of the present invention, the information storage unit 650 stores the profitability information provided by the profitability calculation unit in a D / B provided in the special customer group profitability calculation server 110 or provides the profitability calculation unit. It is linked with a separate D / B server having a D / B storing profitability information through a communication network.

According to the implementation method of the present invention, the financial system 140 in conjunction with the special customer group profitability calculation server 110 in conjunction with the ledger D / B 600 in the financial system 140, the special customer information It provides a function for providing to the group profit calculation server 110, and detailed description of the internal configuration has been described with reference to Figure 1, it will be omitted.

In addition, the ledger information for the ledger D / B 600 of the financial system 140 has more information than the information shown in the ledger D / B 600 of the financial system 140 shown in Figure 6, Only the information for calculating customer group profitability is shown.

Figure 7 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.

In more detail, Figure 7 takes the ledger information from the ledger D / B 600 of the financial system 140 shown in Figure 1 and the special customer through the special customer group profitability calculation server 110 shown in Figure 6 The above five conditions of the Group (subscription account profitability information for special customers, subscription account profitability information for special customers, transaction profitability information for special customers, new subscription account profitability information for special customers, new subscription account accounts for special customers) Profitability information) to check the profitability information and to store and register in the D / B of the special customer group profitability calculation server 110, if the person having ordinary knowledge in the field of the present invention, Figure 7 With reference to the various implementation methods of the system for calculating the profitability of the special customer group may be inferred, but the present invention is not limited to this figure 7, the inferred mother It includes an exemplary method.

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

Referring to FIG. 7A, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 600 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 600 to the server.

Here, the ledger information is stored in the ledger D / B 600 of the financial system 140, registered customer information 605, subscription account information 610 associated with the customer information 605, the subscription account It is desirable to mean employee information in charge.

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

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

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

When the ledger information is provided from the financial system 140 as described above, the server extracts the subscription account information 610 from the ledger information, and extracts the information on the special customer group from the subscription account information 610.

If information on groups other than the special customer group is extracted from the subscription account information 610, the group is processed with reference to the information shown in the other drawings of the present invention according to each group. Only the parts for

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

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. 7B, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 600 to calculate the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 600 to the server.

Here, the ledger information is stored in the ledger D / B 600 of the financial system 140, registered customer information 605, subscription cost account information 615 associated with the customer information 605, the subscription cost account It is desirable to mean employee information in charge.

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

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

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

In addition, 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 140 as described above, the server extracts the subscription ratio account information 615 from the ledger information and extracts the information on the special customer group from the subscription ratio account information 615.

If information on groups other than the special customer group is extracted from the subscription account information 610, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the parts for

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

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. 7C, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 600 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 600 to the server.

Here, the ledger information is stored in the ledger D / B 600 of the financial system 140, registered customer information 605, transaction details 625 information associated with the customer information 605, the transaction details It is desirable to mean employee information in charge of (625).

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

In addition, the transaction details 625 may mean a bank account, transaction details 625, current or other remittances, and 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 140 as described above, the server extracts the transaction history 625 information from the ledger information, and extracts the information on the special customer group from the transaction history 625 information.

If information on groups other than the special customer group is extracted from the subscription account information 610, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the parts for

Thereafter, the server calculates the profitability of the transaction history 625 corresponding to the special customer group, and stores and registers the calculated profitability information in the server D / B.

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

Referring to FIG. 7D, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 600 to calculate the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 600 to the server.

Here, the ledger information is stored in the ledger D / B 600 of the financial system 140, registered customer information 605, new subscription account information 610 associated with the customer information 605, the new It is preferable to mean the employee information in charge of the subscription account.

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

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

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

Upon receiving the ledger information from the financial system 140 as described above, the server extracts the new subscription account information 610 from the ledger information, and extracts the information on the special customer group from the new subscription account information 610. do.

If information on groups other than the special customer group is extracted from the subscription account information 610, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the parts for

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

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 of the loan handling fee.

Referring to FIG. 7E, the server accesses the financial system 140 through a predetermined communication network and provides the server with the ledger information of the ledger D / B 600 of the financial system 140 for calculating the profitability. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 600 to the server.

Here, the ledger information is stored in the ledger D / B 600 of the financial system 140, registered customer information 605, new subscription ratio account information 615 associated with the customer information 605, the new It is preferable to mean the employee information in charge of the subscription account.

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

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

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

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

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

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

In addition, the 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 140 as described above, the server extracts the new subscription ratio account information 615 from the ledger information, and extracts the information on the special customer group from the new subscription ratio account information 615. do.

If information on groups other than the special customer group is extracted from the subscription account information 610, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only the parts for

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

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 8 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.

More specifically, Figure 8 shows customer information 805 (e.g., social security number, etc.), one or more subscription account information 810 (e.g., savings account, savings account, etc.) or subscription cost information ( 815) (e.g., foreign exchange products (eg imports and exports, etc.), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), collateral services (exchanges, etc.), subscription accounts, or Employee information in charge of the subscription fee account, transaction history (825) for a period associated with the customer information (805), employee information in charge of the transaction history (825), new subscription account information (810) or new subscription fee The employee information of the account information 815, the new subscription account information 810, or the new subscription cost account information 815 is extracted, and the information about the corporate customer is extracted from the extracted information. Internal system for calculating profitability As shown in the configuration, a person having ordinary knowledge in the field of the present invention can infer various implementation methods of the system for calculating the profitability of the corporate customer group with reference to FIG. It is not limited to Fig. 8 but includes all the inferred implementation methods.

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

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

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

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

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

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

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

In addition, the transaction history 825 is preferably a bank account, transaction details 825, the current or other remittances, etc. preferably.

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 the account product or non-account product of the corporate customer group or the profitability calculation by the transaction history 825 of the corporate customer group At least one face-to-face or non-face-to-face financial transaction channel provided in the corporate customer group profitability calculation server 130 and the branch (or branch) of the financial institution for calculating the profitability of the customer group's new account product or new non-account product subscription. It is characterized in that it comprises a financial system 140 for providing at least one or more financial transactions (for example, credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) services.

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

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

The corporate customer group profitability calculation server 130 may include customer information 805, one or more subscription account information 810 or one or more subscription cost account information 815 associated with the customer information 805, the subscription account or subscription account. Employee information in charge of the transaction, the transaction history (825) for a predetermined period associated with the customer information (805), employee information in charge of the transaction history (825), new subscription account information (810) or a new subscription fee account Extracting the information 815 from the financial system 140, it is preferable to check the profitability of the employee-specific corporate customer group according to the employee information, if the person having ordinary knowledge in the field of the present invention, this figure 8, you can add a variety of information to calculate the profitability of the corporate customer group, such as the expenses (e.g., employee wages) for the employees in charge of the corporate customer, to determine the profitability of the corporate customer group. However, in FIG. 8, 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 may mean a cost such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

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

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

The corporate customer group profitability calculation server 130 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. 8, the corporate customer group profitability calculation server 130 receives an information from the ledger D / B 800 in association with the external system 155 of the financial system 140. (Or information receiving means), information extraction unit 835 (or information extraction means) for extracting the necessary information from the information received from the ledger D / B 800, of the information extracted from the ledger D / B 800 Information confirmation unit 840 (or information confirmation means) for confirming the profitability information, profitability calculation unit (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and storing the profitability calculation information in D / B And an information storage unit 850 (or information storage means).

Here, the ledger D / B 800 is a D / B provided in the financial system 140, and the ledger D / B 800 includes customer information 805 and account information necessary for calculating profitability for the corporate customer group. 810, non-account information 815, staff information 820, transaction details 825, and the like.

According to the exemplary embodiment of the present invention, the information receiving unit 830 includes the customer information 805, the account information 810 and the account staff information 820 subscribed to the customer, or the non-account information 815 subscribed to the customer. ) And non-account employee information (820) or the transaction details (825) the customer has dealt with the transaction information or new subscription account information (810) and new subscription account for the account newly signed up by the customer External information 155 of the financial system 140 includes information including at least one of employee information 820 or new subscription fee account information 815 and new subscription fee employee information 820 newly registered by the customer. In connection with the ledger information received from the ledger D / B (800) is provided to the information extraction unit 835.

Here, the ledger information is customer information (805), account information (810), non-account information (815) requested from the corporate customer group profitability calculation server 130 to the financial system 140 in order to calculate profitability for the corporate customer group. ), The employee information 820, the transaction history (825) is preferably included.

According to the exemplary embodiment of the present invention, the information extracting unit 835 may include the customer information 805 received from the information receiving unit 830, one or more subscription account information 810 associated with the customer information 805, or a subscription fee. The account information 815, the employee information in charge of the subscription account or subscription account, extracts the information about the corporate customer to provide to the information verification unit 840, or the customer received by the information receiving unit 830 The information confirmation unit extracts information about a corporate customer from among information 805, transaction details 825 for a predetermined period associated with the customer information 805, and employee information in charge of the transaction details 825. 840 or new subscription account information 810 or new subscription ratio account information 815 associated with the customer information 805, the customer information 805 received from the information receiving unit 830, or the new information. Manage your subscription account or new subscription account Extracting information on enterprise customers of employee information to be provided to the information check unit 840.

According to an exemplary embodiment of the present invention, the information checking unit 840 may include the customer information 805 extracted from the information extracting unit 835, one or more subscription account information 810 associated with the customer information 805, or a subscription fee. Account information 815, employee accountability in charge of the subscription account or subscription account account information from the corporate customer, subscription account profitability information or non-account profitability information, or the customer information 805 extracted from the information extraction unit 835 ), Transaction profitability information, or the information extraction unit from the transaction history 825 for a predetermined period associated with the customer information 805, the information on the corporate customer among the employee information in charge of the transaction history 825. The customer information 805 extracted from 835, the new subscription account information 810 or new subscription account information 815 associated with the customer information 805, the employee information for managing the new subscription account or new subscription cost account Medium In the information for the customer make a new subscription account profitable information or new subscription account margin information, and provides part of the information storage unit 850 and the calculation of margins.

The profitability calculation unit may include subscription account profitability information for a corporate customer or subscription ratio account profitability information for a corporate customer, transaction profitability information for a corporate customer, or new subscription account profitability information for a corporate customer provided by the information verification unit 840. Profitability is calculated in connection with profitability information for a plurality of corporate customers including at least one new subscription non-account profitability information for a corporate customer, the information storage unit 850 To provide.

According to an embodiment of the present invention, the profitability calculation unit borrows deposits for savings accounts or savings accounts from subscription account information for corporate customers and receives profitable information such as interest income or loan interest income for loan accounts by date. It is preferable to calculate.

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 may include a handling fee for a foreign exchange transaction, a handling fee for a derivative product, a management fee for a derivative product, a handling fee for a securities, or a handling fee for ancillary services. It is desirable to calculate the profitability information of each day.

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 for the corporate customer calculates profitability information such as handling fees for the unpaid deposit in the transaction history 825 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 the implementation method of the present invention, the information storage unit 850 stores the profitability information provided by the profitability calculation unit in the D / B provided in the corporate customer group profitability calculation server 130, or provided by the profitability calculation unit It is linked with a separate D / B server having a D / B storing profitability information through a communication network.

According to the implementation method of the present invention, the financial system 140 is linked to the corporate customer group profitability calculation server 130 and the ledger information in association with the ledger D / B 800 in the financial system 140, corporate customers It provides a function for providing to the group profitability calculation server 130, and since the detailed description of the internal configuration has been described with reference to Figure 1, it is omitted.

In addition, the ledger information for the ledger D / B 800 of the financial system 140 has more information than the information shown in the ledger D / B 800 of the financial system 140 shown in Figure 8, Only the information for calculating customer group profitability is shown.

Figure 9 is a subscription account profitability information for the enterprise customer, profitability information for the subscription fee for the enterprise customer, transaction profitability information for the enterprise customer, new to the corporate customer according to the implementation method of the present invention It shows the operation flow of the system for calculating corporate customer profitability, which includes at least one of subscription account profitability information and new subscription cost account profitability information for the enterprise customer.

In more detail, Figure 9 shows the ledger information from the ledger D / B (800) of the financial system 140 shown in Figure 1 and the corporate customer through the corporate customer group profitability calculation server 130 shown in Figure 8 The above five conditions of the group (subscription account profitability information for corporate customers, subscription account profitability information for corporate customers, transaction profitability information for corporate customers, new subscription account profitability information for corporate customers, new subscription account accounts for corporate customers Profitability information) to check the profitability information and to store and register in the D / B of the corporate customer group profitability calculation server 130, if the person having ordinary knowledge in the field of the present invention, this figure 9 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 9, the inferred mother It includes an exemplary method.

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

Referring to FIG. 9A, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 800 to calculate the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 800 to the server.

Here, the ledger information is stored in the ledger D / B 800 of the financial system 140, registered customer information 805, subscription account information 810 associated with the customer information 805, the subscription account described above It is desirable to mean employee information in charge.

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

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

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

When the ledger information is provided from the financial system 140 as described above, the server extracts the subscription account information 810 from the ledger information and extracts the information on the corporate customer group from the subscription account information 810.

If information on groups other than the corporate customer group is extracted from the subscription account information 810, the group is processed with reference to the information shown in the other drawings of the present invention according to each group, and in this figure 9a, the corporate customer group Only the parts for

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

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. 9B, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 800 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 800 to the server.

Here, the ledger information is stored in the ledger D / B 800 of the financial system 140, registered customer information 805, subscription cost account information 815 associated with the customer information 805, the subscription cost account described above It is desirable to mean employee information in charge.

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

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

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

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

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

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

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

When the ledger information is provided from the financial system 140 as described above, the server extracts the subscription ratio account information 815 from the ledger information and extracts the information on the corporate customer group from the subscription ratio account information 815.

If information on groups other than the corporate customer group is extracted from the subscription account information 810, the group is processed by referring to the information shown in the other drawings of the present invention according to each group. Only the parts for

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

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. 9C, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 800 to calculate the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 800 to the server.

Here, the ledger information is stored in the ledger D / B 800 of the financial system 140, registered customer information 805, transaction history 825 information associated with the customer information 805, the transaction history (825) preferably refers to employee information.

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

In addition, the transaction history 825 is preferably a bank account, transaction details 825, the current or other remittances, etc. preferably.

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 140 as described above, the server extracts the transaction history 825 information from the ledger information, and extracts the information on the corporate customer group from the transaction history 825 information.

If information about groups other than the corporate customer group is extracted from the subscription account information 810, the group is processed by referring to the information shown in the other drawings of the present invention according to each group, and in this figure 9c, the corporate customer group Only the parts for

Thereafter, the server calculates the profitability of the transaction history 825 corresponding to the corporate customer group, and stores and registers the calculated profitability information in the server D / B.

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

Referring to FIG. 9D, the server accesses the financial system 140 through a predetermined communication network and provides the server with the ledger information of the ledger D / B 800 of the financial system 140 for calculating the profitability. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 800 to the server.

Here, the ledger information is stored in the ledger D / B 800 of the financial system 140, registered customer information 805, new subscription account information 810 associated with the customer information 805, the new It is preferable to mean the employee information in charge of the subscription account.

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

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

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

When the ledger information is provided from the financial system 140 as described above, the server extracts the new subscription account information 810 from the ledger information, and extracts the information on the corporate customer group from the new subscription account information 810. do.

If information on groups other than the corporate customer group is extracted from the subscription account information 810, the group is processed with reference to the information shown in the other drawings of the present invention according to each group, and in this figure 9d, the corporate customer group Only the parts for

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

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. 9E, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the ledger D / B 800 of the financial system 140 to calculate the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 800 to the server.

Here, the ledger information is stored in the ledger D / B 800 of the financial system 140, registered customer information 805, new subscription ratio account information 815 associated with the customer information 805, the new It is preferable to mean the employee information in charge of the subscription account.

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

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

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

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

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

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

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

When the ledger information is provided from the financial system 140 as described above, the server extracts the new subscription ratio account information 815 from the ledger information, and extracts the information on the corporate customer group from the new subscription ratio account information 815. do.

If information on groups other than the corporate customer group is extracted from the subscription account information 810, the group is processed by referring to the information shown in the other drawings of the present invention according to each group. Only the parts for

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

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

In more detail, Figure 10 shows employee information 1005, investment finance, international finance, Asset-Backed Securities (ABS), and SOC (Social Overhead Capital) associated with employee information (1005) to calculate profitability of a comprehensive financial group. Profitability information by extracting only information corresponding to a comprehensive financial group from investment information (1010), credit management information, or receiving procurement information, including one or more of financial restructuring, real estate, and the like. Based on the internal configuration of the system for calculating the profitability of each financial group based on the employee, if you have ordinary knowledge in the field of the present invention, referring to Figure 10 for the profitability calculation of the comprehensive financial group Various implementations of the system may be inferred, but the present invention is not limited to this figure 10 and includes all such inferred implementations.

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 1005 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 140 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 115 may include employee information 1005, investment finance or international finance or asset-backed securities (ABS) or social overhead capital (SOC) or restructuring associated with the employee information 1005, or Identifying the profitability of the comprehensive financial group for each employee according to the employee information 1005 by extracting investment information 1010, credit management information, or procurement information, including one or more in real estate, from the financial system 140. If a person having ordinary knowledge in the field to which the present invention belongs, the cost for the employee belonging to the comprehensive financial group in the method of confirming the profitability of the comprehensive financial group with reference to FIG. Various information for calculating profitability of a comprehensive financial group such as wages, etc. can be added. However, in FIG. 10, the factor of employee's expenses is not used to calculate profitability. Since it is not shown, the illustration is 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 115 may include a D / B for storing the profitability calculation results of the general financial group for each employee or a separate D / B for storing the profitability calculation results of the general financial group for each employee. Interlocked with D / B server and communication network.

Referring to FIG. 10, the comprehensive financial group profitability calculation server 115 receives an information receiver 1025 that receives information from the ledger D / B 1000 in association with the external system 155 of the financial system 140. (Or information receiving means), information extraction unit 1030 (or information extraction means) for extracting the necessary information from the information received from the ledger D / B (1000), among the information extracted from the ledger D / B (1000) An information checking unit 1035 (or information checking means) for checking profitability information, a profitability calculating unit (or profitability calculating means) for calculating profitability information from the profitability checking information, and storing the profitability calculation information in D / B And an information storage unit 1045 (or information storage means).

Here, the ledger D / B 1000 is a D / B provided in the financial system 140. The ledger D / B 1000 includes employee information 1005 and investment information necessary for calculating profitability for the comprehensive financial group. 1010, credit information 1020, and reception information 1015.

According to an embodiment of the present invention, the information receiving unit 1025 may include employee information 1005, investment finance or international finance or asset-backed securities (ABS) or social overhead capital (SOC) or Investment information 1010 including at least one of restructuring or real estate, or information including at least one or more of credit management information or procurement information is linked to the external system 155 of the financial system 140. The ledger information is received from / B 1000 and provided to the information extraction unit 1030.

Here, the ledger information is employee information 1005 requesting the financial system 140 from the comprehensive financial group profitability calculation server 115 to calculate profitability for the comprehensive financial group, and investment information associated with the employee information 1005 ( 1010), the credit management information, and the reception procurement information is preferably made.

According to the embodiment of the present invention, the information extraction unit 1030 is the investment information or international finance or ABS associated with the employee information 1005, the employee information 1005 received from the information receiving unit 1025. Extract information on a comprehensive financial group from investment information 1010 including one or more from backed securities (SOC) or SOC (Social Overhead Capital) or restructuring or real estate, and provide the information to the information verification unit 1035, or Employee information (1005), credit information extracted from the credit management information associated with the employee information (1005) to provide the information to the information verification unit 1035, or the employee information (1005), the employee information Information about the comprehensive financial group is extracted from the received procurement information associated with 1005 and provided to the information checking unit 1035.

According to the embodiment of the present invention, the information confirmation unit 1035 is the investment information or international finance or ABS associated with the employee information (1005), the employee information (1005) provided by the information extraction unit (1030). Profitability information of the comprehensive financial group, or the employee information (1005), the employee information (1005) in the investment information (1010) comprising one or more in the backed Securities (SOC) or SOC (Social Overhead Capital) or restructuring or real estate, etc. The profitability information of the comprehensive financial group in the credit management information associated with the credit information, or the procurement information linked to the employee information 1005 and the employee information 1005, is provided to the profitability calculation department. do.

The profitability calculation unit may include at least one or more profitability information in investment financing or international finance or asset-backed securities (ABS) or social overhead capital (SOC) or restructuring or real estate, etc. provided by the information verification unit 1035. It is characterized by calculating profitability in connection with the received profitability information which confirmed profitability information from the profitability information which confirmed profitability information or the credit management information of the comprehensive financial group or the credit management information of the comprehensive financial group. In addition, the calculated profitability information for the comprehensive financial group is provided to the information storage unit 1045.

According to the implementation method of the present invention, the profitability calculation unit investment finance or international finance or Asset-Backed Securities (ABS) or Social Overhead Capital (SOC) or restructuring for the comprehensive financial group provided by the information confirmation unit 1035 Or calculating profitability by linking with profitability information of a comprehensive financial group including at least one investment profitability information having confirmed at least one profitability information in real estate, etc. It is preferable to calculate it very much.

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 may calculate profitability by linking with profitability information for the general financial group including at least one or more credit profitability information in which at least one profitability information has been identified in the credit management information for the general financial group.

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 preferably calculates profitability in connection with 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.

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 implementation method of the present invention, the information storage unit 1045 stores the profitability information provided by the profitability calculation unit in the D / B provided in the comprehensive financial group profit calculation server 115, or provided in the profitability calculation unit It is linked with a separate D / B server having a D / B storing profitability information through a communication network.

According to the implementation method of the present invention, the financial system 140 is integrated with the general financial group profitability calculation server 115 and the general ledger information in conjunction with the ledger D / B (1000) in the financial system 140 It provides a function for providing to the group profit calculation server 115, and a detailed description of the internal configuration has been described with reference to Figure 1, it will be omitted.

In addition, the ledger information for the ledger D / B 1000 of the financial system 140 has more information than the information shown in the ledger D / B 1000 of the financial system 140 shown in Figure 10, Only the information for financial group profitability calculations is shown.

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

In more detail, FIG. 11 shows general ledger information from the general ledger D / B 1000 of the financial system 140 shown in FIG. 1 through the comprehensive financial group profitability calculation server 115 shown in FIG. Comprehensive financial group profitability calculation server 115 by checking profitability information on the three conditions of the group (investment profitability information for the comprehensive financial group, credit profitability information for the comprehensive financial group, and received profitability information for the comprehensive financial group). The process of storing and registering in the D / B of the present invention, those of ordinary skill in the field to which the present invention belongs, can infer various implementation methods of the system for calculating the profitability of the comprehensive financial group with reference to FIG. As will be appreciated, the present invention is not limited to this Figure 11 and includes all such implementation methods inferred.

Hereinafter, in FIG. 11, the comprehensive financial group profitability calculation server 115 illustrated in FIG. 10 is referred to as a “server” for convenience.

Referring to FIG. 11A, the server accesses the financial system 140 through a predetermined communication network and provides the server with ledger information of the ledger D / B 1000 of the financial system 140 for calculating the profitability. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 1000 to the server.

Here, it is preferable that the employee information 1005 includes at least one or more pieces of information such as employee number and employee ID information of the employee.

In addition, the ledger information is stored and registered in the ledger D / B (1000) of the financial system 140, investment financial information, international financial information, ABS (Asset) associated with the employee information (1005) It is preferable to include at least one investment information (1010) invested in the backed securities information, SOC information, restructuring information, real estate information and the like.

In addition, the investment financial information is preferably made of at least one or more loans or foreign currency loans or payment guarantees so as to lend necessary funds or credit transactions to those who buy securities.

In addition, the above international financial information relates to the distribution of funds between countries, and foreign currency loans, payment guarantees, equity investments for goods and services transactions such as commodity trade and for loans required for government loans, private loans, and foreign debts. It is preferable to include at least one.

In addition, the ABS (Asset-Backed Securities) refers to a bond issued as collateral for various types of assets, including real estate of the company, according to the method of investing in the bond, the purchase of C / L agreement, CP (Commercial paper) It is preferable to include at least one agreement or equity investment.

In addition, the C / L is preferably the amount of capital equipment per worker, that is, tangible fixed assets per worker.

In addition, it is preferable that the CP means a promissory note issued by a company having a good credit status for the purpose of procuring short-term funds, unlike notes issued and plied with commerce.

In addition, the SOC (= social overhead capital) is a social infrastructure that is not directly used for production activities but is essential for smooth economic activities, and is used for won loans or equity investment for investment in social overhead capital. It is preferable to comprise at least one or more.

In addition, the restructuring is to increase the efficiency by reorganizing the unreasonable structure of the company, it is preferable to mean the return on investment through the improvement of the corporate structure by investing in the company under restructuring.

In addition, the real estate preferably refers to items such as won loans or equity investment in real estate as collateral.

The comprehensive financial group profitability calculation server 115 extracts information of the comprehensive financial group from the ledger information provided from the financial system.

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. In FIG. Only handle

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

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 calculates the profitability of handling fees, potential interest income, rental income from real estate lease, etc. to provide services such as loans in won or equity investment in real estate as collateral. It is desirable to.

Referring to FIG. 11B, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 1000 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 1000 to the server.

Here, it is preferable that the employee information 1005 includes at least one or more pieces of information such as employee number and employee ID information of the employee.

In addition, the ledger information is stored and registered in the ledger D / B (1000) of the financial system 140, the employee information (1005), the credit information associated with the employee information (1005) linked to the employee information (1005) It is preferable to include 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 115 extracts the information of the comprehensive financial group from the ledger information provided from the financial system.

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 handle

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

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. 11C, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 1000 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 1000 to the server.

Here, it is preferable that the employee information 1005 includes at least one or more pieces of information such as employee number and employee ID information of the employee.

In addition, the ledger information is stored and registered in the ledger D / B (1000) of the financial system 140, the receiving procurement associated with the employee information (1005), the employee information (1005) associated with the employee information (1005) It is preferable to include 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 115 extracts information of the comprehensive financial group from the ledger information provided from the financial system.

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. Only handle

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

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, and the trust reception.

Figure 12 shows a system configuration for calculating the profitability of the funds / international teller staff in accordance with the method of the present invention.

More specifically, FIG. 12 shows employee information 1205, won money management information 1210 or foreign currency money management information 1215, and foreign exchange business, which are linked to the employee information 1205 to calculate profitability of funds / international groups. Business information, derivatives management information (1225), stock management information (1230), bond management information (1235), and marketing performance information to extract only the information corresponding to funds / international groups to check the profitability information, and The internal configuration of the system for calculating profitability of each employee based on profitability information based on profitability information, and those skilled in the art to which the present invention pertains, will be described with reference to FIG. 12. 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 12, but includes all the implementation methods inferred.

Here, the won currency management information 1210 or foreign currency money management information 1215 preferably comprises at least one or more of the 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 derivative product management information 1225 preferably comprises at least one or more information, such as stock price futures, swaps, options management.

In addition, the stock management information 1230 may include at least one or more information, such as operations for stock purchase or sale, stock transaction fees, and the like.

In addition, the bond management information 1235 preferably includes at least one piece of information, such as operation information on purchase or sale of a bond, a bond transaction fee, and interest income on the bond.

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 1205 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 foreign currency fund management information 1210 or foreign currency fund management information 1215 of the funds / international group, or the foreign exchange business of the funds / international group Business information, or fund / international group derivatives management information (1225), or fund / international group stock management information (1230), or fund / international group bond management information (1235), or funds / international group At least one financial transaction through the fund / international group profit calculation server 135 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 profitability calculation based on marketing performance information of For example, it is characterized in that it comprises a financial system 140 for providing services such as credit, reception, currency exchange, foreign exchange transfer, financial investment, etc.).

The fund / international group profitability calculation server 135 may include employee information 1205, won money management information 1210 or foreign currency money management information 1215 associated with the employee information 1205, business information for foreign exchange business, Derivative product management information 1225, stock management information 1230, bond management information 1235, and marketing performance information were extracted from the financial system 140, and the fund / international group of each employee according to the employee information 1205. A method of checking profitability is preferable, and a person having ordinary knowledge in the field to which the present invention belongs, the requirements for employees belonging to the fund / international group in the method of confirming the profitability of the fund / international group with reference to FIG. Various information for calculating profits of the international group such as expenses (for example, employee wages, etc.) may be added. However, in FIG.

Here, the information on the required cost of the employee preferably means costs such as direct and indirect costs for employees in charge of won or foreign currency money management, foreign exchange business or derivatives management, stock management or bond management or marketing.

It is preferable that the direct costs mean labor costs, labor costs, marketing costs, other goods costs, eastern 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 135 has a D / B for storing profit / calculation results of employees / funds for an international group or a D / B for saving profitability calculation results of staff / international groups for each employee It is linked with a separate D / B server and communication network.

Referring to FIG. 12, the fund / international group profitability calculation server 135 receives an information from the ledger D / B 1200 in association with the external system 155 of the financial system 140. (Or information receiving means), an information extracting unit 1250 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 1200, extracted from the ledger D / B 1200 Information checking unit (1255) (or information checking means) for checking profitability information of the information, a profitability calculating unit (or profitability calculating means) for calculating profitability information from the profitability confirmation information, and the profitability calculation information to the D / B. It is characterized by comprising an information storage unit 1265 (or information storage means) for storing.

Here, the ledger D / B 1200 is a D / B provided in the financial system 140, and the ledger D / B 1200 includes employee information (1205) and won required for calculating profitability for funds / international groups. Fund management information (1210) or foreign currency money management information (1215), foreign exchange business information (1220), derivatives management information (1225), stock management information (1230), bond management information (1235), marketing information (1240) It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information receiving unit 1245 may correspond to employee information 1205, won money management information 1210 or foreign currency money management information 1215 associated with the employee information 1205, or foreign exchange business. Derivatives management information (1225) based on business information or derivatives management, stocks management information (1230) based on stock management, bonds management information (1235) based on bond management, marketing information (1240) that generates profits from marketing ) Is provided with the ledger information from the ledger D / B 1200 in association with the external system 155 of the financial system 140 and provided to the information extraction unit 1250.

Here, the ledger information is employee information 1205 requested from the fund / international group profitability calculation server 135 to the financial system 140 in order to calculate profitability for the fund / international group, and won in connection with the employee information 1205. Money management information (1210) or foreign currency money management information (1215), business information based on the foreign exchange business, derivative product management information (1225) based on derivatives management, stock management information (1230) based on stock management, bond management In accordance with the bond management information 1235, marketing information 1240 for generating revenue by marketing is preferably made.

According to the exemplary embodiment of the present invention, the information extracting unit 1250 may receive the employee information 1205 received from the information receiving unit 1245, the won money management information 1210 associated with the employee information 1205, or foreign currency funds. Extract information about funds / international group from management information 1215 and provide it to the information verification unit 1255, or business information according to the foreign exchange business linked to the employee information 1205 and the employee information 1205. Extracts information about the fund / international group and provides it to the information verification unit 1255, or from the derivative / information management information 1225 associated with the employee information 1205 and the employee information 1205. Extract information about the group and provide the information to the information checking unit 1255, or the information on the fund / international group from the employee information 1205, the stock management information 1230 associated with the employee information 1205 Extract it and provide it to the information verification unit 1255, or Extracts information on funds / international groups from the employee information 1205 and the bond management information 1235 associated with the employee information 1205 and provides the information to the information verification unit 1255, or the employee information ( 1205, the information on the fund / international group is extracted from the marketing information 1240 associated with the employee information 1205 and provided to the information verification unit 1255.

According to the exemplary embodiment of the present invention, the information confirming unit 1255 may be provided with the employee information 1205 provided by the information extracting unit 1250, the won money management information 1210 associated with the employee information 1205, or foreign currency. In the money management information 1215, the funds in the profit / information of the international group or the business information according to the foreign exchange business linked to the employee information 1205 and the employee information 1205 provided by the information extraction unit 1250; Profitability information of the international group, or the funds from the employee information 1205, the employee information 1205, the derivative information management information 1225 associated with the employee information 1205 provided by the information extraction unit 1250 Profitability information of the international group, or profitability information of the fund / international group in the employee information 1205 provided by the information extraction unit 1250, the stock management information 1230 associated with the employee information 1205, or The employee information 1205 and the job provided by the information extraction unit 1250 In the bond management information 1235 associated with the original information 1205, the profitability information of the fund / international group, or the employee information 1205 and the employee information 1205 provided by the information extraction unit 1250. In the marketing information 1240, the profitability information of the fund / international group is confirmed and provided to the profitability calculation unit.

The profitability calculation unit is the won or foreign currency fund profitability information, funds / confirmed in the foreign currency fund management information 1210 or foreign currency fund management information 1215 for the funds / international group provided by the information check unit 1255 Forex business profitability information confirmed in the foreign exchange business information for international group (1220), derivatives profitability information confirmed in profitability information in derivatives management information (1225) for fund / international group, Stock profitability information confirmed profitability information in stock management information (1230), bond profitability information confirmed profitability information in funds / international group (1235), profitability information in marketing information (1240) for funds / international group Profitability is calculated in connection with the marketing profitability information confirmed, and the information storage the profitability information for the fund / international group And it provides it to 1265.

According to the implementation method of the present invention, the profitability calculation unit at least one of the won or foreign currency fund profitability information that confirmed the profitability information in the won or foreign currency fund management information for the funds / international group provided by the information verification unit 1255 It is preferable to calculate profitability information including the above 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 calculates, by date, profitability information including at least one or more foreign exchange business profitability information obtained from the foreign exchange business information 1220 for the funds / international group provided by the information checking unit 1255. It is preferable.

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 calculates, by date, profitability information including at least one or more derivatives profitability information obtained from the derivatives management information 1225 for the funds / international group provided by the information verification unit 1255. It is desirable to.

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 may calculate profitability information including at least one or more stock profitability information obtained from the stock management information 1230 for the fund / international group provided by the information checking unit 1255 by date. desirable.

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 calculates, by date, profitability information including at least one or more bond profitability information obtained from the bond management information 1235 for the fund / international group provided by the information verification unit 1255. 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 may calculate profitability information including at least one or more marketing profitability information having confirmed the profitability information in the marketing information 1240 provided for the fund / international group provided by the information checking unit 1255 by date. Do.

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 1265 stores the profitability information provided by the profitability calculation unit in the D / B provided in the fund / international group profit calculation server 135, or in the profitability calculation unit It is linked with a separate D / B server having a D / B for storing the provided profitability information through a communication network.

According to the implementation method of the present invention, the financial system 140 is linked with the ledger D / B 1200 in the financial system 140 in association with the fund / international group profit calculation server 135 to obtain ledger information. It provides a function to provide to the fund / international group profitability calculation server 135, and detailed description of the internal configuration has been described through Figure 1, it is omitted.

In addition, the ledger information for the ledger D / B 1200 of the financial system 140 has more information than the information shown in the ledger D / B 1200 of the financial system 140 shown in Figure 12, / Show only information for international group profitability calculations.

Figure 13 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, FIG. 13 shows the ledger information from the ledger D / B 1200 of the financial system 140 shown in FIG. 1, and the funds through the fund / international group profitability calculation server 135 shown in FIG. Check the profitability information on the above six conditions of the international group: won or foreign currency profitability information, foreign exchange business profitability information, derivatives profitability information, stock profitability information, bond profitability information, and marketing profitability information. Regarding the process of storing and registering in the D / B of the profit generating server 135, and having ordinary knowledge in the field to which the present invention pertains, referring to FIG. While various implementations of the system may be inferred, the present invention is not limited to this figure 13 and includes all such inferred implementations.

Hereinafter, in FIG. 13, the fund / international group profitability calculation server 135 shown in FIG. 12 is referred to as a “server” for convenience.

Referring to FIG. 13A, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 1200 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 1200 to the server.

Here, it is preferable that the employee information 1205 includes at least one or more information such as employee number, employee ID information, and the like of the employee.

In addition, the ledger information is at least one or more of the won or foreign currency funds management information associated with the employee information 1205, employee information 1205 stored and registered in the ledger D / B (1200) of the financial system 140 It is preferable to comprise.

The fund / international group profitability calculation server 135 extracts the fund / international group information from the ledger information provided from the financial system.

If information on groups other than funds / international groups is extracted from the won or foreign currency fund management information, the respective groups are processed with reference to the information shown in the other drawings of the present invention. Only handle parts of international groups.

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, and stores and registers the calculated profitability information on the server D / B.

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. 13B, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 1200 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 1200 to the server.

Here, it is preferable that the employee information 1205 includes at least one or more information such as employee number, employee ID information, and the like of the employee.

In addition, the ledger information is to include the business information for the foreign exchange business associated with the employee information (1205), employee information (1205) stored and registered in the ledger D / B (1200) of the financial system 140 desirable.

The fund / international group profitability calculation server 135 extracts the fund / international group information from the ledger information provided from the financial system.

If information on groups other than funds / international groups is extracted from the business information on the foreign exchange business, processing is performed by referring to the information shown in other drawings of the present invention according to each group, and in FIG. Only parts of international groups are dealt with.

Thereafter, the server calculates the profitability of the foreign exchange business corresponding to the fund / international group from the business information on the foreign exchange business, and stores and registers the calculated profitability information in the server D / B.

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. 13C, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 1200 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 1200 to the server.

Here, it is preferable that the employee information 1205 includes at least one or more information such as employee number, employee ID information, and the like of the employee.

In addition, the ledger information is stored in the ledger D / B (1200) of the financial system 140, registered employee information (1205), derivatives management information (1225) for derivative products management associated with employee information (1205) It is preferable to comprise).

The fund / international group profitability calculation server 135 extracts the fund / international group information from the ledger information provided from the financial system.

If information on groups other than funds / international groups is extracted from the derivative product management information 1225, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only handle parts of international groups.

Thereafter, the server calculates the profitability of the derivative product corresponding to the fund / international group in the derivative product management information 1225, and stores and registers the calculated profitability information in the server D / B.

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. 13D, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 1200 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 1200 to the server.

Here, it is preferable that the employee information 1205 includes at least one or more information such as employee number, employee ID information, and the like of the employee.

In addition, the ledger information is stored and registered in the ledger D / B (1200) of the financial system 140, employee information 1205, stock management information 1230 for stock management associated with employee information (1205) It is preferable to comprise a.

The fund / international group profitability calculation server 135 extracts the fund / international group information from the ledger information provided from the financial system.

If information on groups other than funds / international group is extracted from the stock management information 1230, the information is processed according to each group with reference to the information shown in another drawing of the present invention. Only parts of international groups are dealt with.

Thereafter, the server calculates the profitability of the derivative product corresponding to the fund / international group in the stock management information 1230, and stores and registers the calculated profitability information in the server D / B.

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. 13E, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 1200 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 1200 to the server.

Here, it is preferable that the employee information 1205 includes at least one or more information such as employee number, employee ID information, and the like of the employee.

In addition, the ledger information is stored in the ledger D / B (1200) of the financial system 140, registered employee information (1205), bond management information (1235) for bond management associated with the employee information (1205) It is preferable to comprise.

The fund / international group profitability calculation server 135 extracts the fund / international group information from the ledger information provided from the financial system.

If information on groups other than funds / international groups is extracted from the bond management information 1235, processing is performed by referring to the information shown in other drawings of the present invention according to each group, and in FIG. Only parts of international groups are dealt with.

Thereafter, the server calculates the profitability of the derivatives corresponding to the funds / international group in the bond management information 1235, and stores and registers the calculated profitability information in the server D / B.

In this case, it is preferable that the bond profitability information for the fund / international group includes profits and operating fees due to profits from the bond management.

Referring to FIG. 13F, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 1200 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 1200 to the server.

Here, it is preferable that the employee information 1205 includes at least one or more information such as employee number, employee ID information, and the like of the employee.

In addition, the ledger information preferably includes marketing performance information associated with employee information 1205 and employee information 1205 stored and registered in the ledger D / B 1200 of the financial system 140.

The fund / international group profitability calculation server 135 extracts the fund / international group information from the ledger information provided from the financial system.

If information about groups other than funds / international group is extracted from the marketing performance information, the information is processed according to each group with reference to the information shown in another drawing of the present invention. Only the part that handles

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

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

More specifically, FIG. 14 shows employee information 1405, trust information 1410, trust business information 1415, or fund office management information 1420 for calculating profitability of the trust group. Shows the internal configuration of the system for calculating profitability information by extracting only the information corresponding to the trust group, and calculating profitability by employee for the trust group based on the identified profitability information. Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of the trust group with reference to the drawing 14, but the present invention is not limited to the drawing 14, all the inferred implementation method Include.

In this case, the trust information 1410 may include at least one or more of performance fee, real estate fee, and drug information.

In addition, the entrusted business information 1415 preferably includes at least one or more of consignment fees, asset storage fees, and the like.

In addition, the fund office management information 1420 preferably comprises a business commission.

In addition, the employee information 1405 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 for the profitability calculation by trust information 1410, or trust business information 1415, or fund office management information 1420 of the trust group. Trust group profitability calculation server 120, at least one or more face-to-face or non-face-to-face financial transaction channels provided in branches (or branches) of financial institutions (eg, credit, receiving, currency exchange, foreign currency remittance, financing) Investment, etc.) is provided with a financial system 140 to provide a service.

The trust group profitability calculation server 120 may store the employee information 1405, the trust information 1410 associated with the employee information 1405, or the trust business information 1415, or the fund office management information 1420. Extracted from the 140, a method of confirming the profitability of the trust group for each employee according to the employee information 1405 is preferred, if the person having ordinary knowledge in the field of the present invention, with reference to this figure 14 Various information for estimating the profitability of the trust group, such as the expenses (e.g., employee wages) for the employees belonging to the trust group, can be added to the method of confirming the profitability of the group. The factor is omitted since it is not used to calculate profitability.

Here, the information on the required cost of the employee preferably means costs such as direct and indirect costs for employees in charge of won or foreign currency money management, foreign exchange business or derivatives management, stock management or bond management or marketing.

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

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

The trust group profitability calculation server 120 includes a D / B storing the profitability calculation results of the trust group for each employee or a separate D / B having the D / B storing the profitability calculation results of the trust group for each employee. It is linked with server through communication network.

Referring to FIG. 14, the trust group profit calculation server 120 receives an information receiver 1425 receiving information from the ledger D / B 1400 in association with the external system 155 of the financial system 140 ( Or information receiving means), an information extracting unit 1430 (or information extracting means) for extracting necessary information from the information received from the ledger D / B 1400, and the profitability of the information extracted from the ledger D / B 1400. Information confirmation unit 1435 (or information confirmation means) for confirming information, a profitability calculation unit (or profitability calculation means) for calculating profitability information from the profitability confirmation information, and information for storing the profitability calculation information in D / B And a storage unit 1445 (or information storage means).

Here, the ledger D / B 1400 is a D / B provided in the financial system 140, and the ledger D / B 1400 includes employee information 1405 and trust business information necessary for calculating profitability for the trust group. 1415, fund office management information 1420 is preferably included.

According to the exemplary embodiment of the present invention, the information receiving unit 1425 may include employee information 1405, trust information 1410 associated with the employee information 1405, or trust task information 1415, or fund office management information 1420. ) Is provided with the ledger information from the ledger D / B 1400 in association with the external system 155 of the financial system 140 and provided to the information extraction unit 1430.

Here, the ledger information is employee information 1405 requesting the financial system 140 from the trust group profitability calculation server 120 to calculate profitability for the trust group, and trust information 1410 associated with the employee information 1405. Or trust service information 1415 or fund office management information 1420.

According to the exemplary embodiment of the present invention, the information extracting unit 1430 may be configured for the trust group in the employee information 1405 and the trust information 1410 associated with the employee information 1405 received by the information receiving unit 1425. Extract information and provide the information to the information verification unit 1435 or extract information on the trust group from the employee information 1405 and the trust information 1415 associated with the employee information 1405. 1435, or extract information about the trust group from the employee information 1405 and the fund office management information 1420 associated with the employee information 1405 and provide the information to the information confirming unit 1435. .

According to the exemplary embodiment of the present invention, the information checking unit 1435 may be configured as a trust group in the trust information 1410 associated with the employee information 1405 and the employee information 1405 provided by the information extracting unit 1430. Profitability information or profitability information of a trust group in the employee information 1405 provided by the information extraction unit 1430, the trust information 1415 associated with the employee information 1405, or the information extraction unit ( The employee information 1405 provided at 1430 and the fund office management information 1420 associated with the employee information 1405 are provided to the profitability calculation unit by checking profitability information of the trust group.

The profitability calculation unit includes the trust profitability information confirmed in the trust information 1410 for the trust group provided by the information checking unit 1435, the trust profitability information identified in the trust business information 1415 for the trust group, and the fund for the trust group. It is characterized in that the profitability is calculated in connection with the fund profitability information identified in the office management information (1420), and provides the information storage unit 1445 the profitability information for the calculated trust group.

According to the method of the present invention, it is preferable that the profitability calculation unit calculates profitability information by date from the trust information 1410 for the trust group provided by the information checking unit 1435.

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 preferably calculates profitability information by date from the trust service information 1415 for the trust group provided by the information checking unit 1435.

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 preferably calculates profitability information by date from the fund office management information 1420 for the trust group provided by the information checking unit 1435.

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

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

According to the implementation method of the present invention, the financial system 140 is linked to the trust group profitability calculation server 120, the ledger information in connection with the ledger D / B (1400) in the financial system 140, the trust group profitability It provides a function for providing to the calculation server 120, and since the detailed description of the internal configuration has been described with reference to Figure 1, it is omitted.

Further, the ledger information for the ledger D / B 1400 of the financial system 140 has more information than the information shown in the ledger D / B 1400 of the financial system 140 shown in FIG. Only information for group profitability calculations is shown.

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

In more detail, Figure 15 shows the ledger information from the ledger D / B (1400) of the financial system 140 shown in Figure 1 and the trust group through the trust group profit calculation server 120 shown in Figure 14 The present invention relates to a process of checking and storing profitability information on the three conditions (trust profitability information, trust profitability information, and fund profitability information) in the D / B of the trust group profitability calculation server 120. 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 figure 15, but the present invention is not limited to this figure 15, and all inferred It includes the method of implementation.

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

Referring to FIG. 15A, the server accesses the financial system 140 through a predetermined communication network and provides the server with the ledger information of the ledger D / B 1400 of the financial system 140 for calculating the profitability. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 1400 to the server.

Here, the employee information 1405 preferably comprises 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 1405 and trust information 1410 associated with employee information 1405 that are stored and registered in the ledger D / B 1400 of the financial system 140. Do.

In this case, the trust information 1410 may include at least one or more of performance fee, real estate fee, and drug information.

The trust group profitability calculation server 120 extracts the trust group information from the ledger information provided from the financial system.

When extracting information on a group other than a trust group from the trust information 1410, the information is processed according to each group with reference to the information shown in another figure of the present invention. Only handle

Thereafter, the server calculates a trust profitability corresponding to the trust group from the trust information 1410, and stores and registers the calculated profitability information in the server D / B.

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. 15B, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 1400 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 1400 to the server.

Here, the employee information 1405 preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

The ledger information may include employee information 1405 stored in the ledger D / B 1400 of the financial system 140 and registered business information 1415 associated with the employee information 1405. desirable.

In addition, the entrusted business information 1415 preferably includes at least one or more of consignment fees, asset storage fees, and the like.

The trust group profitability calculation server 120 extracts the trust group information from the ledger information provided from the financial system.

If information on groups other than the trust group is extracted from the trust service information 1415, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Only part is processed.

Thereafter, the server calculates a trust profitability corresponding to the trust group from the trust information 1410, and stores and registers the calculated profitability information in the server D / B.

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. 15c, the server accesses the financial system 140 through a predetermined communication network, and provides the ledger information of the financial system 140 ledger D / B 1400 for calculating the profitability to the server. In response to the request, the financial system 140 provides the ledger information of the ledger D / B 1400 to the server.

Here, the employee information 1405 preferably comprises at least one or more information, such as employee number, employee ID information of the employee.

The ledger information includes employee information 1405 and fund office management information 1420 associated with employee information 1405 that are stored and registered in the ledger D / B 1400 of the financial system 140. It is preferable.

In addition, the fund office management information 1420 preferably comprises a business commission.

The trust group profitability calculation server 120 extracts the trust group information from the ledger information provided from the financial system.

If the fund office management information 1420 extracts information about groups other than the trust group, the group is processed with reference to the information shown in the other drawings of the present invention according to each group. Only the part that handles

Thereafter, the server calculates a trust profitability corresponding to the trust group from the trust information 1410, and stores and registers the calculated profitability information in the server D / B.

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

16 illustrates 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.

In more detail, FIG. 16 shows profitability information calculated by the individual customer group profitability calculation server 105, profitability information calculated by the PB customer group profitability calculation server 125, or the special customer group profitability calculation server 110. ) Profitability information calculated from, or the profitability information calculated by the corporate customer group profitability calculation server 130, or the profitability information calculated by the comprehensive financial group profitability calculation server 115, or fund / international group profitability calculation server ( At least one of the profitability information calculated in 135) and the profitability information calculated in the trust group profit calculation server 120 are substituted into a predetermined model profit and loss simulation model using the profit and loss statement (P / L). In the system configuration for predicting the profit and loss of the above-mentioned profit and loss targets (for example, organization / branch, financial products, customer group (or specific customer), etc.) For those of ordinary skill in the art to which the present invention pertains, at least one or more profit or loss prediction targets are described using the at least one profitability information as a profit and loss statement (P / L) by referring to and / or modifying the drawing 16. 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 are not limited to the implementation method shown in FIG. .

Referring to FIG. 16, a system for predicting profit or loss by at least one or more profit and loss targets using at least one profitability information as an income statement (P / L) includes profitability information by date (or for a period of time) of an individual customer group. Individual customer group profitability calculation server 105 that calculates the PB customer group profitability calculation server 125 that calculates profitability information by date (or for a certain period) of the PB customer group, and by date (or a certain period of the special customer group) Special customer group profitability calculation server 110 that calculates profitability information, corporate customer group profitability calculation server 130 that calculates profitability information by date (or for a certain period) of corporate customers, and by date of the comprehensive financial group ( Or a comprehensive financial group profitability calculation server 115 for calculating profitability information for a certain period of time, and a fund / international group for calculating profitability information by date (or for a period of time) of a fund / international group. Profitability calculation server 135, characterized in that comprises a trust group profitability calculation server for calculating the profitability information by date (or for a certain period) of the trust group, the sales strategy information, market environment information, A financial system 140 having a DBMS for storing at least one asset / liability balance information and budget information and balance sheet (B / S) information including asset information, debt information and capital information of the financial institution; And a profit and loss prediction server 100 having a model profit and loss simulation model for predicting profit or loss by at least one or more profit and loss targets using at least one profitability information as a profit and loss statement (P / L). Characterized in that made.

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

According to an embodiment of the present invention, the profit and loss prediction server 100 for predicting the profit / loss for each organization / branch is the individual customer group profit calculation server 105, the PB customer group profit calculation server 125, and the special customer group profitability. The individual in connection with the calculation server 110, corporate customer group profitability calculation server 130, comprehensive financial group profitability calculation server 115, funds / international group profitability calculation server 135, trust group profitability calculation server 120, etc. Customer group profitability calculation server D / B (1630), PB customer group profitability calculation server D / B (1635), special customer group profitability calculation server D / B (1640), corporate customer group profitability calculation server D / B (1645) At least one corresponding to a predetermined organization / branch from the general financial group profit calculation server D / B 1650, the fund / international group profit calculation server D / B 1655, and the trust group profit calculation server D / B 1660. Information receiving unit 1600 for receiving the above profitability information (or the number of profitability information) New means) and an information extraction unit 1605 which extracts revenue information corresponding to an organization / branch from the received at least one profitability information and extracts revenue generation cost information corresponding to the organization / branch from the profitability information. (Or information extracting means), and the information receiving unit 1600 (or information receiving means) is connected to the financial system 140 from the predetermined DBMS (or predetermined terminal) from the financial unit. And further receiving balance sheet (B / S) information including asset information, debt information, and capital information of the financial institution, including sales strategy information, market environment information, asset / debt balance information, and budget information of the institution. do.

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 1605. 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 1600 in the simulation model ( 1610 (or simulation means) and an information generating unit 162 for generating profit and loss prediction information of the organization / branch corresponding to the model profit and loss simulation result. 0) (or information generating means) and an information storage unit 1625 (or information storage means) for storing the generated profit / prediction information of the tissue / branch in a predetermined storage medium in association with the tissue / branch information. It is characterized by comprising.

In addition, the profit / loss prediction server 100 predicting the profit / loss for each organization / branch is performed through a trend analysis of profit and loss prediction information for a predetermined period of time generated by the information generator 1620. And an information analysis unit 1615 (or information analysis means) for calculating achievement goal information for a predetermined period of time for the organization / branch, and the information storage unit 1625 may store the achievement goal information. The storage device may be stored in a predetermined storage medium in association with the organization / branch information.

The model profit and loss simulation unit 1610 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 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 1610 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 forecast 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 1610 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 1610 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 exemplary embodiment of the present invention, the model profit and loss simulation unit 1610 calculates the individual customer group profitability calculation server D / B 1630, the PB customer group profitability calculation server D / B 1635, and the special customer group profitability calculation. Server D / B (1640), Corporate Customer Group Profitability Calculation Server D / B (1645), Comprehensive Financial Group Profitability Calculation Server D / B (1650), Fund / International Group Profitability Calculation Server D / B (1655), Trust Group Extracting the income statement information from at least one profitability information provided in real time from the profit calculation server D / B 1660 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 at least one or more of the business strategy information, market environment information, asset / liabilities balance information, and budget information of the financial institution corresponding to the profit or loss estimation target, On it is desirable to provide an ad-hoc (Ad-hoc) for real-time simulation function performing a simulation to predict the loss of the tissue / point.

According to another 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 105, the PB customer group profit calculation server 125, and the special customer group profitability. The individual in connection with the calculation server 110, corporate customer group profitability calculation server 130, comprehensive financial group profitability calculation server 115, funds / international group profitability calculation server 135, trust group profitability calculation server 120, etc. Customer group profitability calculation server D / B (1630), PB customer group profitability calculation server D / B (1635), special customer group profitability calculation server D / B (1640), corporate customer group profitability calculation server D / B (1645) One or more corresponding financial products from the comprehensive financial group profit calculation server D / B 1650, the fund / international group profit calculation server D / B 1655, and the trust group profit calculation server D / B 1660. Information receiving unit 1600 for receiving the profitability information, and the received At least one of the one or more profitability information to extract the revenue information corresponding to the financial product, from the profitability information characterized in that it comprises an information extraction unit 1605 for extracting the cost of the revenue generation corresponding to the financial product, and The information receiving unit 1600 is connected to the financial system 140 from a predetermined DBMS (or a predetermined terminal) sales strategy information, market environment information, asset / debt balance information and budget information of the financial institution, and the financial Characterized in that it further receives the balance sheet (B / S) information, including asset information, debt information and capital information of the institution.

In addition, the profit and loss prediction server 100 predicting the profit or loss for each financial product includes balance sheet information including asset information, debt information, and capital information of the financial institution, and extracted by the information extraction unit 1605. 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 1610 that 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 1600; An information generator 1620 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 1625 for storing 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 1620 And an information analyzer 1615 for calculating achievement target information for a certain period of time for the product, wherein the information storage unit 1625 is configured to associate the achievement target information with the financial product information. It characterized in that the storage in the storage medium.

The model profit and loss simulation unit 1610 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 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 1610 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, etc.) and maturity.

In addition, the model profit and loss simulation unit 1610 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 1610 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 1610 calculates the individual customer group profitability calculation server D / B 1630, the PB customer group profitability calculation server D / B 1635, and the special customer group profitability calculation. Server D / B (1640), Corporate Customer Group Profitability Calculation Server D / B (1645), Comprehensive Financial Group Profitability Calculation Server D / B (1650), Fund / International Group Profitability Calculation Server D / B (1655), Trust Group Extracting the income statement information from at least one profitability information provided in real time from the profit calculation server D / B 1660 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 financial product.

According to another exemplary embodiment of the present invention, the profit and loss prediction server 100 predicting the profit or loss for each customer group (or a specific customer) includes the individual customer group profitability calculation server 105 and the PB customer group profitability calculation server 125. ), Special customer group profitability calculation server (110), corporate customer group profitability calculation server (130), comprehensive financial group profitability calculation server (115), fund / international group profitability calculation server (135), trust group profitability calculation server (120) The individual customer group profitability calculation server D / B 1630, the PB customer group profitability calculation server D / B (1635), the special customer group profitability calculation server D / B (1640), the corporate customer group profitability calculation server Predetermined customer groups from D / B (1645), Profitability calculation server D / B (1650), Financial / International Group profitability calculation server D / B (1655), Trust Group profitability calculation server D / B (1660) (Or receive at least one profitability information corresponding to a particular customer) The information receiver 1600 extracts revenue information corresponding to a customer group (or a specific customer) from the received at least one or more profitability information, and generates revenue corresponding to the customer group (or a specific customer) from the profitability information. And an information extracting unit 1605 for extracting information, and the information receiving unit 1600 may be connected to the financial system 140 from a predetermined DBMS (or predetermined terminal). And further receiving balance sheet (B / S) information including sales strategy information, market environment information, asset / debt balance information and budget information, and 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 1605. 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 / debt balance information, and budget information of the financial institution received through the information receiver 1600 into the model profit and loss simulation model. Model profit and loss simulation unit 1610 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 1620 for generating profit and loss prediction information of a specific customer) and profit and loss prediction information of the generated customer group (or a specific customer) in association with the customer group (or specific customer) information to a predetermined storage medium. And an information storage unit 1625 for storing.

In addition, the profit and loss prediction server 100 that predicts the profit and loss for each customer group (or a specific customer) is a trend analysis of the profit and loss prediction information for a predetermined period generated by the information generator 1620. And an information analyzer 1615 for calculating achievement target information for a predetermined period of time for the customer group (or a specific customer), wherein the information storage unit 1625 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 1610 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 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 1610 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 1610 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 desirable to substitute at least one piece of budget information to predict the interest gains and losses of the customer group (or a specific customer) by utilizing interest rate differences or liquidity differences in Asset Liability Management (ALM).

In addition, the model profit and loss simulation unit 1610 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 1610 calculates the individual customer group profitability calculation server D / B 1630, the PB customer group profitability calculation server D / B 1635, and the special customer group profitability calculation. Server D / B (1640), Corporate Customer Group Profitability Calculation Server D / B (1645), Comprehensive Financial Group Profitability Calculation Server D / B (1650), Fund / International Group Profitability Calculation Server D / B (1655), Trust Group Extracting the income statement information from at least one profitability information provided in real time from the profit calculation server D / B 1660 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).

FIG. 17 is a diagram illustrating a model profit and loss simulation model that operates based on an income statement extracted from balance sheet information and profitability information of a financial institution according to an embodiment of the present invention.

In more detail, FIG. 17 shows balance sheet (B / S) information including asset information, debt information and capital information of the financial institution, profitability information calculated by the individual customer group profitability calculation server 105, or the Profitability information calculated by the PB customer group profitability calculation server 125, profitability information calculated by the special customer group profitability calculation server 110, or profitability information calculated by the corporate customer group profitability calculation server 130, or At least one of profitability information calculated by the comprehensive financial group profitability calculation server 115, profitability information calculated by the fund / international group profitability calculation server 135, and profitability information calculated by the trust group profitability calculation server 120. This is a model profit and loss simulation model that operates based on the income statement information extracted from the profitability information. Those skilled in the art can refer to and / or modify this drawing 17 to infer various implementation methods for model profit and loss simulation models that operate based on the income statement extracted from the balance sheet information and profitability information of the financial institution. However, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 17, 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, profitability information calculated by the individual customer group profitability calculation server 105, or the Profitability information calculated by the PB customer group profitability calculation server 125, profitability information calculated by the special customer group profitability calculation server 110, or profitability information calculated by the corporate customer group profitability calculation server 130, or Profit and loss prediction targets include profitability information calculated by the comprehensive financial group profitability calculation server 115, profitability information calculated by the fund / international group profitability calculation server 135, and profitability information calculated by the trust group profitability calculation server 120. At least one profitability information corresponding to the profit and loss prediction target, including profits of at least one profitability information corresponding to It is desirable to include the revenue incurred by the 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 / debt balance information is calculated from asset information and debt information of the balance sheet, and the budget information is preferably calculated from labor costs and various expenses of the financial institution.

18 is a diagram illustrating a process of estimating profit / loss for each organization / branch using profitability information as a profit / loss statement (P / L) according to an exemplary embodiment of the present invention.

More specifically, FIG. 18 shows profitability information calculated by the individual customer group profitability calculation server 105, profitability information calculated by the PB customer group profitability calculation server 125, or the special customer group profitability calculation server 110. ) Profitability information, or profitability information calculated by the corporate customer group profitability calculation server 130, or profitability information calculated by the comprehensive financial group profitability calculation server 115, or fund / international group profitability calculation server ( By using at least one of the profitability information calculated in 135) and the profitability information calculated in the trust group profit calculation server 120 as a profit / loss statement (P / L), a predetermined model profit and loss simulation model is used. As a system configuration for predicting profit and loss per point, those skilled in the art to which the present invention pertains, refer to FIG. And / or may be modified to infer various implementation methods for predicting profit / loss for each organization / branch using at least one profitability information as a profit / loss statement (P / L). It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 18, the profit and loss prediction server 100 includes the individual customer group profitability calculation server 105, the PB customer group profitability calculation server 125, the special customer group profitability calculation server 110, and the corporate customer group profitability calculation. The individual customer group profitability calculation server D / B 1630 in connection with the server 130, the comprehensive financial group profitability calculation server 115, the fund / international group profitability calculation server 135, the trust group profitability calculation server 120, and the like. , PB customer group profit calculation server D / B (1635), special customer group profit calculation server D / B (1640), corporate customer group profit calculation server D / B (1645), comprehensive financial group profit calculation server D / B ( 1650), the fund / international group profit calculation server D / B 1655 and the trust group profit calculation server D / B 1660 receive at least one or more profitability information corresponding to a predetermined organization / branch (1800). Revenue corresponding to organization / branch of the received one or more profitability information Information is extracted and revenue generation cost information corresponding to the organization / branch is extracted from the profitability information (1805).

In operation 1810, 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 (1810).

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 expenses information is generated as a loss account (1815), the profit and loss prediction server 100 generates the financial information. In operation 1820, the balance sheet (B / S) information including asset information, debt information, and capital information of the financial institution is received in association with the system 140.

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 (1825).

In addition, the profit and loss prediction server 100 connects the financial institution 140 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 (1830).

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 (1835). 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 (1840), 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 (1845).

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 trends the generated profit and loss forecast information for a certain period of time to calculate the achievement goal information for the future period for the organization / branch (1850), and calculates the achievement goal information. Stores a predetermined storage medium in association with the organization / branch information (1855).

19 is a diagram illustrating a process of estimating the profit and loss of each financial product using profitability information as an income statement (P / L) according to another embodiment of the present invention.

More specifically, FIG. 19 shows profitability information calculated by the individual customer group profitability calculation server 105, profitability information calculated by the PB customer group profitability calculation server 125, or the special customer group profitability calculation server 110. ) Profitability information calculated from, or the profitability information calculated by the corporate customer group profitability calculation server 130, or the profitability information calculated by the comprehensive financial group profitability calculation server 115, or fund / international group profitability calculation server ( By using at least one of the profitability information calculated in 135) and the profitability information calculated in the trust group profit calculation server 120 as a profit / loss statement (P / L), it is substituted into a predetermined model profit and loss simulation model. As a system configuration for predicting profit and loss per person, those of ordinary skill in the art to which the present invention belongs, refer to this figure 19 And / or may be modified to infer various implementation methods for predicting the profit or loss of each financial instrument using at least one profitability information as a profit / loss statement (P / L). It is made, including the law, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 19, the profit / loss prediction server 100 may include the personal customer group profit calculation server 105, the PB customer group profit calculation server 125, the special customer group profit calculation server 110, and the corporate customer group profit calculation. The individual customer group profitability calculation server D / B 1630 in connection with the server 130, the comprehensive financial group profitability calculation server 115, the fund / international group profitability calculation server 135, the trust group profitability calculation server 120, and the like. , PB customer group profit calculation server D / B (1635), special customer group profit calculation server D / B (1640), corporate customer group profit calculation server D / B (1645), comprehensive financial group profit calculation server D / B ( 1650), at least one or more profitability information corresponding to a predetermined financial product is received from the fund / international group profitability calculation server D / B 1655 and the trust group profitability calculation server D / B 1660 (1900). Corresponding to financial instruments of at least one profitable information The information is extracted, and extracting cost information required revenue corresponding to financial products from the margin information (1905).

Thereafter, the profit and loss prediction server 100 includes profit information extracted from the profitability information as a profit account, and generates profit and loss statement information including the extracted revenue generation expense information as a loss account (1910).

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 (1915), the profit and loss prediction server 100 generates the financial information. In operation 1920, the balance sheet (B / S) information including asset information, debt information, and capital information of the financial institution is received.

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 (1925).

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 140. (1930).

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 (1935). Correspondingly, the profit and loss prediction information for each financial product predicting the profit or loss of the financial product is generated from the model profit and loss simulation model (1940), and the generated profit and loss prediction information for the financial product is linked with the corresponding financial product information. Media storage (1945).

According to an embodiment 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, It is desirable to predict the gain 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 asset / liabilities 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 preferable 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 (1950), and calculates the calculated achievement goal information. A predetermined storage medium is stored in association with the financial product information (1955).

20 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.

In more detail, FIG. 20 shows profitability information calculated by the individual customer group profitability calculation server 105, profitability information calculated by the PB customer group profitability calculation server 125, or the special customer group profitability calculation server 110. ) Profitability information calculated from, or the profitability information calculated by the corporate customer group profitability calculation server 130, or the profitability information calculated by the comprehensive financial group profitability calculation server 115, or fund / international group profitability calculation server ( By using at least one of the profitability information calculated in 135) and the profitability information calculated in the trust group profit calculation server 120 as a profit / loss statement (P / L), the customer group is inserted into a simulation model. (Or a specific customer) is a system configuration for predicting the profit and loss, if one of ordinary skill in the art By referring to and / or modifying the drawing 20, it is possible to infer various implementation methods for the process of estimating the profit or loss of each customer group (or a specific customer) using at least one profitability information as an income statement (P / L). However, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 20, the profit and loss prediction server 100 may include the individual customer group profit calculation server 105, the PB customer group profit calculation server 125, the special customer group profit calculation server 110, and the corporate customer group profit calculation. The individual customer group profitability calculation server D / B 1630 in connection with the server 130, the comprehensive financial group profitability calculation server 115, the fund / international group profitability calculation server 135, the trust group profitability calculation server 120, and the like. , PB customer group profit calculation server D / B (1635), special customer group profit calculation server D / B (1640), corporate customer group profit calculation server D / B (1645), comprehensive financial group profit calculation server D / B ( 1650), at least one or more profitability information corresponding to a predetermined customer group (or a specific customer) is received from the fund / international group profit calculation server D / B 1655 and the trust group profit calculation server D / B 1660; 2000) a customer group (or Extracts revenue information corresponding to a specific customer) and extracts revenue generation cost information corresponding to a customer group (or a specific customer) from the profitability information (2005).

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 (2010).

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 (2015), the profit and loss prediction server 100 may generate the financial information. In operation 2020, the balance sheet (B / S) information including asset information, debt information, and capital information of the financial institution is received in association with the system 140.

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 (2025).

In addition, the profit and loss prediction server 100 is linked to the financial system 140, the sales strategy information, market environment information, asset / debt balance information of the financial institution for the customer group (or specific customer) stored in the DBMS. And 2020, budget information.

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 into the model profit and loss simulation model to perform a profit and loss prediction simulation (2035). 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 (2040), and the generated 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 (2045).

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 of the information, it is desirable to predict the interest gains and losses of the customer group (or a specific customer) by utilizing interest rate differences or liquidity differences in 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 trends the generated profit and loss prediction information for a predetermined period of time to calculate achievement target information for a future period for the customer group (or a specific customer) (2050). The stored target information is stored in association with the corresponding customer group (or specific customer) information in a predetermined storage medium (2055).

According to the present invention, the profitability calculation targets are divided into individual customer groups, PB customer groups, special customer groups, comprehensive financial groups, funds / international groups, trust groups, and the like. By calculating and predicting future profitability based on the calculated results, it is possible to propose a method for rational staff operation based on the results of profitability calculation and profitability prediction for each employee.

Here, the employee's management of the profitability calculation result is that a predetermined employee predicts the future profitability of the individual customer group's profitability analysis and derives the migration path for achieving the target, or the profitability analysis result for the PB customer group. Forecasting future profitability to derive a migration path for achieving a goal, or profitability analysis results for a special customer group Forecasting future profitability to derive a migration path for achieving a goal, or profitability analysis for a corporate customer group Predict future profitability to derive a migration path to achieve a goal, or profitability analysis of a comprehensive financial group to predict future profitability to derive a migration path to achieve a goal, or to analyze the profitability of a fund / international group As a result, the migration path for achieving the goal is derived by predicting future profitability, or As a result of profitability analysis for the trust group, it is possible to predict the future profitability and derive a migration path to achieve the goal.

In addition, the financial company calculates a future profitability prediction result by calculating profitability by integrated organization / branch based on the profitability calculation result of each employee, and then, based on the future profitability prediction result calculated, a rational organization and branch management plan is proposed. Can present

In addition, the financial company calculates the profitability of each group based on the calculation result of each employee according to the group, and calculates the profitability prediction result of the future based on the calculated group profitability calculation result Can suggest the operation plan according to the group.

Claims (5)

In the profit and loss prediction method through a model profit and loss simulation model that predicts the profit and loss of financial institutions through accounting analysis based on the income statement information and the balance sheet information, In accordance with the profitability calculation target of the financial institution, the customer group of the financial institution in the means of receiving profitability information is divided into individual customer group, private bank (PB) customer group, special customer group, corporate customer group, comprehensive financial group, fund / international group, trust Revenue information including profits generated through the work of the employee (or financial transaction channel) for each group, direct cost-labor cost, labor cost, etc. Includes marketing expenses, goods expenses, eastern estate maintenance expenses, retirement allowance allowances, depreciation expenses, and one or more manufacturing expenses; and indirect expenses including personnel expenses, after-life expenses, eastern estate management expenses, and financial planning activities expenses. Individual customer group profit calculation server, PB customer group profit calculation server, special customer group profitability Revenue calculation and profit generation by each profit calculation target from profitability calculation server including one or more calculation server, corporate customer group profitability calculation server, comprehensive financial group profitability calculation server, fund / international group profitability calculation server, and trust group profitability calculation server Receiving profitability information including required cost information; Extracting one or more revenue information and revenue generation cost information from the received profitability calculation target profitability information by information extracting means; Generating profit and loss statement information including the extracted one or more profit information as a profit account, and including the extracted one or more profit generation expenses information as a loss account, and generating the income statement information and the financial institution; And substituting the balance sheet information into the model profit and loss simulation model. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In the profit and loss prediction method through a model profit and loss simulation model that predicts the profit and loss of financial institutions through accounting analysis based on the income statement information and the balance sheet information, Client groups of financial institutions are classified into individual customer groups, private bank (PB) customer groups, special customer groups, corporate customer groups, comprehensive financial groups, funds / international groups, and trust groups according to the profitability calculation target of the financial institutions. Revenue information including profits generated from the work of employees (or financial transactions channels) for each group, and direct, labor, labor costs, marketing costs, goods costs, Information on expenses incurred to generate income, including real estate maintenance expenses, pension allowances, depreciation expenses, and at least one tax-related expense-and overhead costs-personnel expenses, post-salary living expenses, eastern real estate management expenses, and financial planning activities expenses. Individual customer group profitability calculation server, PB customer group profitability calculation server, special customer group profitability calculation server, corporate customer group Profit calculation server that includes one or more Iksung calculation server, comprehensive financial group profitability calculation server, fund / international group profitability calculation server, and trust group profitability calculation server, including profit information for each profitability calculation target and revenue generation cost information Profitability information receiving means for receiving profitability information; Information extraction means for extracting one or more revenue information and revenue generation cost information from the received profitability information for each profitability calculation target; And Generating profit and loss statement information including the extracted one or more revenue information as a profit account, and including the extracted one or more revenue generation expenses information as a loss account, and generating the income statement information and the balance sheet of the financial institution; And a simulation means for substituting information into the model profit and loss simulation model. The method of claim 3, wherein the simulation means, The financial institution's sales strategy information-margin rate, extension rate, new amount-, market environment information-interest rate, exchange rate-, asset / debt balance information-cash flow, interest rate maturity-, budget information-labor cost, expense- Profit and loss forecasting system, characterized in that the one or more information of the balance sheet through the information on the model profit and loss simulation model. delete

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