KR101039731B1 - Method for Managing Customer's Information - Google Patents

Abstract

The present invention relates to a method for integrated management of customer information, comprising providing raw data of a customer provided by a specific customer or an institution to a plurality of servers in a central server, and providing a plurality of servers to a plurality of servers in a central server. Receiving characteristic information or credit information of a customer corresponding to the raw data, re-editing or statistically processing characteristic information or credit information of the customer provided from the plurality of servers in a central server, and a central server; And providing the third party or the customer with the characteristic information or the credit information about the customer which has been re-edited or statistically processed.

Customer, Information, Raw Data

Description

Integrated Customer Information Management Method {Method for Managing Customer's Information}

1 is a simplified block diagram of a customer information integrated management system according to a preferred embodiment of the present invention.

2 is an exemplary diagram for a detailed configuration diagram showing a central server and a plurality of servers 1 to N according to the present invention.

Figure 3 is a simplified illustration of a preferred information storage medium according to the present invention.

4 is a simple flowchart of a customer information integrated management process according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: central server 105: client (customer, institution)

110: server (1, ..., N) 115: network communication network

The present invention provides a raw data of a customer provided by a specific customer or an institution in a central server to a plurality of servers, and the characteristic information of the customer corresponding to the raw data of the customer from a plurality of servers in the central server Or receiving credit information, re-editing or statistically processing characteristic information or credit information of the customer provided from the plurality of servers in a central server, and re-editing or statistically processing the central server. It relates to a customer information integrated management method further comprising the step of providing the characteristic information or credit information about the customer to a third party or the customer.

Due to the development of the Internet infrastructure, the network has been able to handle a variety of information necessary for at least one or more various consumption and sales activities or corporate management. In particular, companies based on the Internet have their own or try to obtain a variety of information about the user (consumer).

For example, the shopping mall analyzes, processes, and stores the user's purchase pattern, purchase item, etc. based on the user's subscription information (eg, information such as gender, age, occupation, place of residence, etc.), and thus the stored analysis and / or Based on the processed user information, it is used as data for more customer service or sales.

In another example, a financial institution such as a bank or a credit card company analyzes and stores financial information of a user based on loan information, card usage information, balance history, deposit and withdrawal history, and the like.

The individual analysis information of the shopping mall or financial institution may, of course, be shared or obtained by affiliates, affiliates, government agencies, etc. through a predetermined procedure (for example, agreement from a member or national policy). It is not easy to use the individual analysis information.

Accordingly, an object of the present invention for resolving the above problems is to provide raw data of a customer provided by a specific customer or an institution to a plurality of servers in a central server, and from a plurality of servers in a central server. Receiving characteristic information or credit information of the customer corresponding to the raw data of the customer, re-editing or statistically processing characteristic information or credit information of the customer provided from the plurality of servers in a central server; The method may further include providing the third party or the customer with characteristic information or credit information about the customer that has been re-edited or statistically processed by the central server.

The integrated customer information management method according to the present invention includes providing raw data of a customer provided by a specific customer or an institution in a central server to a plurality of servers, and rows of the customer from a plurality of servers in a central server. Receiving characteristic information or credit information of the customer corresponding to the data, re-editing or statistically processing characteristic information or credit information of the customer provided from the plurality of servers at the central server, and at the central server And providing the third party or the customer with the characteristic information or the credibility information of the customer who has been re-edited or statistically processed.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In addition, in describing 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 thereof will be omitted.

1 is a simplified configuration diagram of a customer information integrated management system according to a preferred embodiment of the present invention.

According to Figure 1, the central server 100 according to the present invention, a plurality of servers (1 ~ N) 110 and the client 105 distributed on the network is connected to the customer through a network communication network 115 A preferred embodiment of the integrated information management system is shown.

The network communication network 115 connects the central server 100 and the plurality of servers 110 by wire or wirelessly. Here, the network communication network 115 may include a LAN, a WAN, a Public Switched Telephone Network (PSTN), a Public Switched Data Network (PSDN), a cable TV network, a wireless communication network, and the like, including the Internet.

Preferably, the central server 100 receives the raw data of a specific customer from the client 105 (for example, a specific customer or institution), and receives the raw data corresponding to the specific customer. It serves as a plurality of servers 110 (server 1, server 2, server 3 ... server (N)).

In addition, the central server 100 is the customer information and / or credit information of the customer extracted or generated from the plurality of servers 110 in response to the raw data from the plurality of servers 110 providing the raw data Receive

In addition, the central server 100 stores the characteristic information and / or credit information of the customer provided from the plurality of servers 110 in a predetermined storage medium 220 in association with the raw data of the customer.

In addition, the central server 100 stores the characteristic information and / or credit information of the customer provided from the plurality of servers 110 in a predetermined storage medium 220 in association with the raw data of the customer, It is specified that the characteristic information and / or credit information of the customer can be re-edited and stored.

According to the present invention, the raw data of the customer is characterized in that it includes the social security number data of the customer, but not limited to this includes all other personal ID, code, number, etc. indicating the uniqueness of a specific customer.

A plurality of servers 110 connected to the central server 100 through the network communication network 115 on the integrated customer information management system using the raw data of the specific customer provided from the central server 100, Characteristic information and / or credit rating information is generated or extracted from the pre-stored database 235, and provides the generated or extracted characteristic information and / or credit information of the customer to the central server (100).

Preferably, the plurality of servers 100 may be a financial company server and / or a mobile communication company server and / or VAN company server.

For example, the server 110 (one of a plurality of servers) generates and / or extracts characteristic information and / or credit information of the customer by using raw data of a specific customer provided from the central server 100. For example, when the server 110 is a shopping mall server, and the raw data of the specific customer provided from the central server 100 is the resident registration number of the specific customer, the sales information of the customer using the resident registration number data and And / or create navigation information and / or shopping cart information and / or job information and / or visit information and / or holding point information and / or purchase product information and / or the like in a database in which the information is stored in advance (235). It is preferable to extract from.

In another example, when the server 110 (one of a plurality of servers) is a financial company server, the financial company server may use the raw data (eg, social security number data, etc.) of a specific customer provided from the central server 100. It is preferable to generate the transaction information and / or loan transaction information and / or nonpayment information and / or credit card information of the customer, and / or to extract the information from the database 235 in which the information is already stored.

In another example, when the server 110 is one of a plurality of servers, the mobile telecommunication company server uses the raw data of a specific customer provided from the central server 100 to determine the customer's data. Call volume information, device change information, fee late payment information, additional service information, and the like may be provided to the central server 100.

According to the present invention, the central server 100 is characterized in that the statistical information processing characteristics and / or credit information for the customer provided from the plurality of servers 110 through a predetermined statistical processing algorithm for storing. .

Preferably, the central server 100 has the feature information and / or credit information about the customer provided from the plurality of servers 110 has a function (eg, financial transaction function of the financial company server, shopping mall) This can vary greatly depending on the e-commerce function of the server. For example, when the server 110 is a financial company server, the information that the financial company server may generate or extract through the raw data of the customer provided from the central server 100 may generally be financial transaction related information. When the server 110 is a shopping mall server, the information that the shopping mall server may generate or extract through the raw data of the customer provided from the central server 100 may be electronic commerce related information.

Accordingly, the central server 100 processes overlapping information (eg, work, address, age information, etc.) among the characteristic information and / or credit information of the customer provided from the plurality of servers 110, and also relevance Operations such as aggregation and / or averaging of existing information (eg, information pertaining to multiple server groups) may be required.

For example, among the characteristic information provided from the A financial company to the central server 100 in response to the low data of the customer, the loan information and loan information of the customer are integrated with the loan information provided from the B financial company by the central server 100. Processing to obtain comprehensive loan information of the customer. In addition, the loan information of the customer obtained comprehensively from the A financial company and the B financial company can be very important data for the C financial company transactions (eg, loans or loans) with the customer.

In addition, according to the present invention, the central server 100 may provide the third party or the third party with the characteristic information and / or credit information about the customer provided from the plurality of servers 110, At this time, the central server 100 is characterized by paying a predetermined price corresponding to the information provided to the plurality of servers 110 provided the characteristic information and / or credit information for the customer.

For example, the characteristic information and / or credit information of the customer collected by the central server 100 from the plurality of servers 110 distributed on the network may be collected and collected by the plurality of servers 110. The central server 100 responds to the provision of the information to the plurality of servers 110 providing the characteristic information and / or the credit information of the customer because it is excellent information and high value-added high-level information on the corresponding customer. It is desirable to pay a certain price.

In addition, the price provided by the central server 100 to the plurality of servers 110 is provided in proportion to the profit generated by using the characteristic information and / or credit information of the customer stored in the storage medium 220. Characterized in that.

In addition, according to the present invention, the central server 100 is characterized in that the financial company server and / or mobile communication company server.

On the other hand, the central server 100 has a function of receiving the raw data (Raw Data) of the customer from a specific customer or institution; Providing the received raw data to a plurality of servers (server (1), server (2), server (3) ... server (N)); Receiving a plurality of servers using the raw data of the customer, when the characteristic information and / or credit information of the customer is generated or extracted from a previously stored database; Re-editing or statistically processing the characteristic information and / or credit information of the customer provided by the plurality of servers; And a program for realizing the re-edited and / or statistically processed characteristic information and / or credit information of the customer to a third external agency or client.

Preferably, the recording medium records a program for further realizing a function of storing and managing the re-edited and / or statistically processed characteristic information and / or credit information of the customer in a predetermined storage medium.

The recording medium also records a program for further realizing a function of paying a predetermined price corresponding to the provision of the information to the plurality of servers that provided the characteristic information and / or the credibility information for the customer.

In addition, the recording medium may be located at a financial institution server and / or a mobile communication company server.

2 is an exemplary diagram for a detailed configuration diagram showing a central server 100 and a plurality of servers 110 (1 to N) according to the present invention.

The central server 100 according to the present invention is preferably provided with a predetermined storage medium 220 inside or outside, and the raw data (eg, social security number data, etc.) of a specific customer to a plurality of servers 110 on the network. And receiving characteristic information and / or credit information corresponding to the customer row data from the plurality of servers 110 and storing them in the storage medium 220.

Preferably, the central server 100 includes a receiver 205, a provider 215, a processor 200, a storage 210 and a storage medium 220.

The receiving unit 205 of the central server 100 receives raw data of a specific customer from the client 105 (for example, a specific customer or an institution, etc.) and transmits the raw data to the providing unit 215 and / or the storage unit 210. do. Also, the receiving unit 205 may correspond to the raw data generated or extracted from the plurality of servers 110 after the received raw data is provided to the plurality of servers 110 through the providing unit 215. Receive customer characteristic information and / or credit information.

The providing unit 215 of the central server 100 provides the raw data of a specific customer to the plurality of servers 110. In this case, the plurality of servers 110 includes a financial company server, a shopping mall server, a mobile communication company server, etc. having a predetermined relationship (eg, an affiliated relationship) with the central server 100.

When the processor 210 provides the central server 100 with the characteristic information and / or the credit information of the customer generated or extracted in response to the raw data of the customer from the plurality of servers 110, the plurality of servers 110. Predetermined re-editing and / or statistical processing to facilitate storage on the storage medium 220 and / or to third party or client information about the characteristic and / or credit information of a particular customer provided from do.

For example, the central server 100 includes at least one or more characteristic information and / or credit information about a specific customer obtained from the plurality of servers 110 by sub-items (eg, e-commerce, credit information, etc.), You can re-edit and save by date and time.

Preferably, the plurality of servers 110 shown in FIG. 2 may include a financial company server, a mobile communication company server, an e-commerce server, and the like, and an interface 225 interworking with the central server 100 through a network; An extraction or generation unit 230 and a customer information (or credit information) database 235 for extracting and / or generating characteristic information and / or credit information of the customer corresponding to the raw data of the customer provided from the central server 100. Characterized in having a.

The interface 225 receives the raw data of the specific customer from the central server 100 through the network communication network 115, and also through the extraction or generation unit 230 in the server 110, the row of the specific customer. Customer characteristic information and / or credibility information generated or extracted corresponding to the data are provided to the central server 100 through the network communication network 115.

The extraction or generation unit 230 of the server 110 generates at least one or more characteristic information and / or credit information related to the specific customer based on the raw data of the specific customer provided from the central server 100; And / or extract.

Preferably, the extraction or generation unit 230 is characterized in that it is linked with at least one or more databases 235 (eg, customer characteristic information database, credit information database, etc.) provided in the server 110.

3 is a simplified illustration of a preferred information storage medium 220 according to the present invention.

3 is linked with the central server 100 in accordance with the present invention, the characteristic information and / or credit information of the customer provided from the plurality of servers 110 corresponding to the raw data of the specific customer is the raw data of the specific customer An embodiment of a storage medium 220 that is stored in association with the present invention.

Referring to FIG. 3, the preferred information storage medium 220 includes a customer basic information data file storing raw data of a customer provided from a specific customer or an institution and a plurality of servers corresponding to the customer raw data. Characterized in that the customer characteristic information data file storing the customer characteristic information and / or the credibility information provided from 110 is linked and stored.

Preferably, the customer basic information data file is the raw data of the customer, characterized in that for storing the resident registration number information of the customer. However, it is noted that the raw data of the customer is not limited to the customer social security number but may further include a unique ID, a unique code, a unique number, and the like of the customer.

According to FIG. 3, the customer basic information data file stored in the storage medium 220 may store customer specific information such as a social security number and / or name and / or ID and / or mobile phone number (phone number) and / or e-mail. It can be configured to include.

Preferably, the customer characteristic information data file includes a plurality of servers (server 1, server 2, ... server (N) providing the customer characteristic information and / or credit information corresponding to the customer raw data. It is characterized by further comprising information).

According to a preferred embodiment, the customer characteristic information data file shown in FIG. 3 is divided into two types according to the type of characteristic information of the customer. This is to help the understanding of the customer characteristic information according to the present invention, it is revealed that the two customer characteristic information data files shown in FIG. 3 may be presented in one.

More specifically, according to the present invention, the central server 100 provides the raw data of the customer in order to receive specific customer characteristic information and / or credit information from the plurality of servers 110 (1 to N). In this case, the plurality of servers 110 that receive the raw data of the customer from the central server 100 may be, for example, an e-commerce related server (eg, a shopping mall server, etc.) and / or a finance related server (eg, a bank or a card company). Server, etc.) and / or mobile carrier server.

The customer characteristic information data file 1 shown in FIG. 3 includes customer characteristic information (eg, e-commerce related characteristics) obtained from e-commerce related servers among a plurality of servers 110 in which raw data is sent from the central server 100. Information).

According to the customer characteristic information data file 1, the central server 100 from the A shopping mall sales information and / or navigation information and / or shopping cart information and / or age information and / or job information and / or Visit information and / or point information may be obtained.

In addition, the central server 100 from the shopping mall B purchase product information and / or purchase price information and / or shopping cart information and / or age information and / or job information and / or visit information and / or point information Etc. can be obtained.

Preferably, the customer characteristic information acquired by the central server 100 from the shopping mall A and the shopping mall B is customer related information previously held by the shopping mall A and the shopping mall B, or according to a request of the central server 100. It may be generated information.

In addition, the customer characteristic information data file 2 shown in FIG. 3 is customer characteristic information (eg, credit rating) obtained from credit or financial related servers among a plurality of servers 110 to which raw data is sent from the central server 100. Related characteristic information).

For example, the customer characteristic information data file 2 includes transaction information and / or loan transaction information and / or arrears information and / or default information of the customer obtained from the A financial institution server corresponding to the raw data of the specific customer. And / or credit rating information and the like.

In addition, the customer characteristic information data file 2 includes transaction information and / or installment (loan) information and / or arrears information and / or age information of the customer obtained from the B financial company server corresponding to the raw data of the specific customer. And / or credit card information may be stored.

For example, the arrears information obtained from the financial institution server may include information on the number of late payments and / or the maximum amount of overdue information and / or the information on the amount of time since the delinquency and / or the maximum consecutive overdue date information and / or the recent overdue amount information.

In addition, the existing loan transaction information acquired by the central server 100 from the financial institution server includes credit type information and / or deposit method information and / or loan condition information and / or loan amount information and / or interest rate information and / or guarantor information. And / or property tax payment performance information and / or collateral amount information.

In addition, the credit card information obtained from the financial institution server includes the information at the time of joining and / or the elapsed month after the subscription and / or the monthly use count information and / or the monthly use amount information and / or the use rate information for each product (cash service, installment) And / or limit burnout information.

In addition, although not shown in the customer characteristic information data file 2 of FIG. 3, information such as age, income, occupation, position, and / or residence and housing type information and / or vehicle ownership information and / or a bankbook of the customer It may further include the balance information and / or property tax payment performance information and / or financial bad trader information and / or customer lifestyle information of the.

As described above, the central server 100 provides the raw data for a specific customer to a plurality of servers (eg, shopping mall A, shopping mall B, financial company A, financial company B, etc.) distributed on the network. Obtaining the characteristic information of the customer from a plurality of servers 110, and stored in a predetermined storage medium 220 as shown in Figure 3 to manage.

In addition, according to the present invention, the characteristic information and / or credit information obtained by the central server 100 from the plurality of servers corresponding to the raw data of a specific customer compared to the customer characteristic information that each individual server (institution) has In addition, more diversified and higher reliability can be guaranteed, and sufficient basis for re-evaluation of the specific customer and provision of new service is provided.

For example, the central server 100 transmits the raw data of a specific customer to the mobile communication company server, the financial company server, and the shopping mall server of the customer, and the terminal replacement cycle information and the main call time zone information of the customer from the mobile communication company server. And acquiring the delinquent information of the customer from the financial company server, and acquiring the purchase pattern information (monthly purchase amount information, preferred maker information, etc.) of the customer from the shopping mall server, and the central server from the plurality of servers. The acquired characteristic information about the customer may, for example, provide new product information of the preferred maker in the form of a text message during the main call time of the customer, on the basis of the terminal replacement cycle of the customer.

The characteristic information of the customer collected by the central server 100 may be more customer-oriented than the characteristic information of each individual server, and may be positioned as very valuable information leading to the corresponding service. Is self explanatory.

4 is a simple flowchart of the integrated customer information management process according to the preferred embodiment of the present invention.

4 shows that the central server 100 that obtains the raw data of the customer (for example, a social security number) provides the raw data of the customer to a plurality of servers 110 (1 to N) connected to a network. Extract or generate corresponding to the raw data through 110, and receive the generated characteristic and / or credit information of the customer from the plurality of servers 110 to the central server 100. In one embodiment, a process of storing and managing the characteristic information and / or credit information of the customer in a predetermined storage medium 220.

Referring to FIG. 4, the central server 100 receives raw data of a specific customer from a specific customer or institution 105 (400). For example, the raw data of the customer may include social security number data, and may further include a unique ID and a unique code of the customer.

The central server 100 provides raw data of the specific customer received from the specific customer or institution 105 to the plurality of servers 110 through the network communication network 115 (405). For example, the plurality of servers 110 may include a financial institution server and / or a mobile communication company server, in addition to any server on the network that may store or extract at least one or more characteristic information and / or credit information of the customer. For example, e-commerce related server, etc.) is further included.

The process of transmitting the raw data of the specific customer in the central server 100 is repeated until the transmission is completed to the plurality of servers 110 (1 ... N) to receive the raw data (410).

When the transmission of the raw data of the specific customer from the central server 100 to the plurality of servers 110 through the network communication network 115 is completed (415), the plurality of servers 110 is the central server 100 The customer characteristic information corresponding to the customer raw data received from the user is extracted or generated in the pre-built database 235 (420).

For example, if the server 110 is a mobile communication company server, the mobile communication company server corresponds to the raw data (eg, social security number, etc.), and the characteristic information of the customer owned or generated by the mobile communication company server ( For example, call volume information and / or terminal replacement information and / or call charge information and / or charge delinquency information and / or subscriber information (age, gender, residence, etc.) are extracted or generated.

In addition, if the server is a financial company server, the financial company server corresponding to the raw data (eg, social security number) of a specific customer provided from the central server 100, the financial company server owns or can be generated customer characteristic information (Eg, nonpayment information and / or loan transaction information and / or credit card information and / or credit rating information and / or subscriber information, etc.).

When the characteristic information and / or credit information about the specific customer, each of which is owned by the plurality of servers 110, is extracted or generated in the built-up database 235, the plurality of servers 110 may be extracted. The generated characteristic information or credit information of the specific customer is provided to the central server 100 through the network communication network 115 (425).

According to a preferred embodiment, when the plurality of servers 110 provides the extracted or generated characteristic information or credit information of the specific customer to the central server 100 via a network, the central server 100 is the The plurality of servers 110 providing the characteristic information and / or the credit information about the customer may pay a predetermined price corresponding to the provision of the information.

Preferably, the central server 100 provides the plurality of servers 110 with respect to providing the characteristic information and / or the credit information about the customer, and the type and / or amount of the information and / or Differentiation may be possible depending on the credibility (or reputation) of the provider and / or the (valid) duration of the information.

For example, when the server 110 (one of a plurality of servers) is a government agency or a highly-ranked industry leader, the information of a particular customer provided from the server 110 may be more reliable than other organizations. .

In addition, if the specific server 110 has acquired at least 10 characteristic information about the specific customer and another server has acquired five characteristic information about the specific customer, the server providing the at least 10 characteristic information may be provided. It is obvious that more costs can be paid.

When the provision of the characteristic information and / or credit information for a specific customer from the plurality of servers 110 (1 ... N) to the central server 100 is completed (430), the central server 100 is the plurality of servers. Customer characteristic information and / or credit information provided from 110 are stored in the storage medium 220 (435).

For example, the storage of the customer characteristic information and / or credit information may be stored in association with the raw data of the specific customer. In addition, the customer characteristic information and / or credit information obtained from the plurality of servers 110 may be stored in a detailed category.

After the customer characteristic information and / or the credit information about the specific customer provided from the plurality of servers 110 is stored in the storage medium 220, the central server 100, if necessary or as requested by the storage medium 220 Re-edit or reprocess the customer characteristic information and / or credit information stored in the) is checked (440).

If it is necessary to re-edit (reprocess) the characteristic information and / or credit information stored in the storage medium 220 (445), the central server 100 for the stored customer characteristic information and / or credit information Re-editing is performed (450).

For example, the re-editing of the customer characteristic information and / or credit information may be performed according to a predetermined period of time (e.g., the validity period of use of the information, etc.), and / or the specific need of the customer characteristic information and / or credit information. It may be possible depending on the item of interest of the institution or client, and / or related (similar) item.

The central server 100 checks whether there is a request for the characteristic information and / or credit information for the customer (455), and if the characteristic information of the customer stored in the storage medium 220 from a third external agency or client and / or Or if there is a request for credit information (460), the central server 100 provides the feature information and / or credit information to the institution and / or client requesting the customer's personality information and / or credit information (465) ).

* Preferably, the central server 100 provides the characteristic information and / or credit information to the storage medium 220 to the agency and / or client that requested the characteristic information of the customer, the central server 100 is It is noted that a predetermined price can be obtained from the institution and / or the client requesting the characteristic information.

According to the present invention, by centrally managing the customer information distributed in a plurality of servers using the raw data (Raw Data) of the customer in the central server on the network,

There is an advantage in that centralized management and distribution of high value-added customer characteristic information is possible by collecting various information (eg, customer characteristic information and / or credit rating information) about a specific customer distributed on the network.

In addition, by integrating information about a specific customer that each individual institution or server independently, there is an advantage that can utilize a more reliable and various characteristic information.

Claims (1)

Providing raw data of a customer provided by a specific customer or an institution in a central server to a plurality of servers capable of providing characteristic information or credit information of the customer; Receiving customer characteristic information or credit information corresponding to the raw data of the customer from a plurality of servers at a central server; Integrating, re-editing or performing statistical processing on the central server by integrating the characteristic information or the credit information of the customer provided from each of the plurality of servers; And providing the third party or the customer with the characteristic information or the credibility information of the customer which has been re-edited or statistically processed by the central server.

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