KR20160059294A - Method, apparatus and computer program for customer consulting - Google Patents

Abstract

The purpose of the present invention is to provide optimum information and know-how for receiving a customer to FC individual. Disclosed is a computer program stored in a computer readable medium for customer consulting according to an embodiment of the present invention to realize a subject as previously stated. The computer program makes a computer execute following operations. The operations can comprise: an operation to collect customer identification data; an operation to quantify a collection level of the collected customer identification data by adding a weighted value based on a predetermined standard to the collected customer identification data; an operation to evaluate the collection level of the customer identification data by determining whether the collection level of the quantified customer identification data exceeds a threshold value wherein the threshold value is defined in advance; and an operation to produce consulting information including either personalized consulting information or standard consulting information based on an evaluation partially.

Description

[0001] METHOD, APPARATUS AND COMPUTER PROGRAM FOR CUSTOMER CONSULTING [0002]

The present invention relates to an integrated sales support system, and more specifically, to systematically provide an insurance consultant (FC) with an optimal consulting proposal based on a customer's situation and needs.

An insurance agent (FC) is a person who recommends and sells various insurance products such as life, guarantee, pension, savings, etc. suitable for an individual considering the individual's income, expenditure and characteristics. Recently, it has become a professional with financial knowledge as well as insurance knowledge and armed with financial design techniques. Also called as RC (risk consultant), TRM (total risk manager), RFC (risk financial consultant) Financial consultant (FC) and financial planner (FP).

As mentioned above, the current insurance agent (FC) business is expanding beyond the simple recruitment of customers to the area of financial consulting, life design, loan consultation, and home financial design. In other words, financial counseling in conjunction with insurance products, efficient financial investment for property saving and property proliferation, counseling on the necessary fund design for the guarantee of old age and the guarantee of old age according to the life cycle of the customer, counseling on the household loan and housing loan Because it is necessary to carry out the work, a wide knowledge about finance overall can be required for FC.

Furthermore, because insurance agents (FCs) perform tasks directly facing customers at the forefront of operations, the ability to respond to customers may also be required by FC.

Under these circumstances, the ability to respond to customers and their understanding of the overall finance can vary from person to person depending on the nature and ability of the FC. However, since most of FC's operations depend on the consultant's personal capabilities, there may be difficulty in capitalizing on the know-how of the field.

In other words, because there is a difference in consulting capability by FC, it is necessary to improve the overall consulting capability of FC. Furthermore, there is a need to upgrade FC consulting capabilities to improve the company's operating performance.

In order to strengthen the capacity of these insurance planners (FCs), FC's advice should be provided by experts considering the situation of the customer's life stage and customer's needs. However, it can be difficult in reality for FC to understand individual characteristics such as the life stage situation and needs of the customer, and to prepare the consulting of appropriate contents at a proper time point desired by the customer.

Also, in the past, attempts have been made to present a prescription book for problem solving to a person having a problem related to an individual's job through various vocational aptitude tests and interest tests, and to provide various job related education information. However, it is far from being a subjective consultation through analysis related to an individual's aptitude or interest, analyzing the physical characteristics and behaviors of individuals observed in common to excellent people, and suggesting appropriate solutions to those who are lacking .

Thus, there is a need in the art for a system for extracting know-how from high efficiency experts and providing differentiated information suitable for serving customers to FCs.

DISCLOSURE OF THE INVENTION The present invention has been made in view of the above-mentioned problems, and it is an object of the present invention to provide optimal information and know-how for responding to customers of FCs.

The present invention is to derive an optimal proposal for each customer, and to provide the database of the knowledge and know-how of the experts to FC.

A computer program stored on a computer readable medium for customer consultation in accordance with an embodiment of the present invention for realizing the above-mentioned problems is disclosed. The program causing a computer to perform the following operations and operations: collecting customer identification data; Quantifying the collection level of collected customer identification data by adding a weight based on the predetermined criteria to the collected customer identification data; Evaluating an acquisition level of the customer identification data by determining whether the level of collection of the quantified customer identification data exceeds a predefined threshold; And generating consulting information based on the assessment at least in part, the consulting information including one of custom consulting information and standard consulting information; . ≪ / RTI >

According to another aspect of the present invention, a financial server for customer consulting is disclosed. The financial server includes: a database for collecting customer identification data and expert know-how data; Quantifying the collection level of the collected customer identification data by adding a weight based on the predetermined criterion to the collected customer identification data and determining whether the collection level of the quantified customer identification data exceeds a predefined threshold value A processor for evaluating an acquisition level of the customer identification data to generate one of customized consulting information and standard consulting information according to the collection level and generating response information for the customer based on the collected expert know-how data; And a transmitting unit for transmitting the generated consulting information and the generated response information to a corresponding FC terminal. . ≪ / RTI >

According to another aspect of the present invention, a user terminal for customer consulting is presented. The user terminal includes an input unit for collecting customer identification data and expert know-how data; Quantifying the collection level of the collected customer identification data by adding a weight based on the predetermined criteria to the collected customer identification data and determining whether the collection level of the quantified customer identification data exceeds a predefined threshold value A receiving unit for receiving the consulting information, the consulting information being generated based at least in part on the evaluation, the consulting information including one of customized consulting information and standard consulting information; An output unit for outputting the generated consulting information and the generated response information; . ≪ / RTI >

According to one aspect of the present invention, it is possible to provide optimal information for responding to a customer to each FC.

According to one aspect of the present invention, it is possible to derive an optimal proposal for each customer, and to provide the database of expert knowledge and know-how to the FC.

The effects of the present invention are not limited to those mentioned above, and other effects not mentioned can be clearly understood by those skilled in the art from the following description.

Various aspects are now described with reference to the drawings, wherein like reference numerals are used to refer to like elements throughout. In the following examples, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of one or more aspects. However, it will be apparent that such aspect (s) may be practiced without these specific details. In other instances, well-known structures and devices are shown in block diagram form in order to facilitate describing one or more aspects.
1 is an exemplary block diagram of a financial system in which various aspects of the present invention may be implemented in accordance with one embodiment of the present invention.
Figure 2 shows an implementation block diagram of a financial server (inference engine) in accordance with an embodiment of the present invention.
3 is a flowchart of an exemplary method of implementing a total solution system for customer consulting at a financial server in accordance with an embodiment of the present invention.
4A illustrates a flowchart of an exemplary method for a total solution system for customer consulting in accordance with an embodiment of the present invention.
Figure 4B illustrates a flowchart of an exemplary method for databaseing expert consulting knowledge in accordance with an embodiment of the present invention.
4C depicts a flowchart of an exemplary method for selecting a target customer in accordance with an embodiment of the present invention.
Figure 4d shows a flowchart of an exemplary method for generating consulting information in accordance with an embodiment of the present invention.
5 illustrates an exemplary UI for providing a selected target customer in accordance with an embodiment of the present invention.
Figure 6 illustrates an exemplary top 10 proposal chart based on contract importance and contact urgency information in accordance with an embodiment of the present invention.
Figure 7 illustrates a consulting chart presenting financial design consulting during custom consulting in accordance with an embodiment of the present invention.
FIG. 8 shows a Top 10 proposal chart (proposal reason / statistical data) according to an embodiment of the present invention.
FIG. 9 shows a Top 10 proposal chart (script type) according to an embodiment of the present invention.
FIG. 10 shows a suggestion reason UI of customized consulting according to an embodiment of the present invention.
Figure 11 illustrates a UI in which customized consulting for a target customer is provided in accordance with an embodiment of the present invention.
12 illustrates a UI associated with a phone buddy in accordance with an embodiment of the present invention.
FIG. 13 shows a UI in which company and consultant input information for customer's core information is inquired according to an embodiment of the present invention.
FIG. 14 illustrates a UI for predicting a standard model by reflecting virtual data according to an embodiment of the present invention.
FIG. 15 illustrates a financial design consulting graph in a consulting chart of standard consulting information generated through the standard model prediction according to an embodiment of the present invention.
16 illustrates a customer grid according to an embodiment of the present invention.
FIG. 17 illustrates a UI for providing information based on standard data of a selected customer group according to an embodiment of the present invention.
FIG. 18 shows a UI in which a best collection is selected among methods for providing a marketing tool according to an embodiment of the present invention.
Figure 19 illustrates a detail screen associated with a product proposal selected from a best collection of methods for providing a marketing tool according to an embodiment of the present invention.
FIG. 20 illustrates a UI in which a summary report is selected from a result report of a marketing tool according to an embodiment of the present invention.
21 shows a UI of a customer information input window.

Various embodiments and / or aspects are now described with reference to the drawings. In the following description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of one or more aspects. However, it will also be appreciated by those of ordinary skill in the art that such aspect (s) may be practiced without these specific details. The following description and the annexed drawings set forth in detail certain illustrative aspects of one or more aspects. It is to be understood, however, that such aspects are illustrative and that some of the various ways of practicing various aspects of the principles of various aspects may be utilized, and that the description set forth is intended to include all such aspects and their equivalents.

In addition, various aspects and features will be presented by a system that may include multiple devices, components and / or modules, and so forth. It should be understood that the various systems may include additional devices, components and / or modules, etc., and / or may not include all of the devices, components, modules, etc. discussed in connection with the drawings Must be understood and understood.

As used herein, the terms "an embodiment," "an embodiment," " an embodiment, "" an embodiment ", etc. are intended to indicate that any aspect or design described is better or worse than other aspects or designs. . As used herein, the terms 'component,' 'module,' 'system,' 'interface,' and the like generally refer to a computer-related entity and include, for example, hardware, It can mean software.

In addition, the term "or" is intended to mean " exclusive or " That is, it is intended to mean one of the natural inclusive substitutions "X uses A or B ", unless otherwise specified or unclear in context. That is, X uses A; X uses B; Or when X uses both A and B, "X uses A or B" can be applied to either of these cases. It should also be understood that the term "and / or" as used herein refers to and includes all possible combinations of one or more of the listed related items.

It is also to be understood that the term " comprises "and / or" comprising " means that the feature and / or component is present, but does not exclude the presence or addition of one or more other features, components and / It should be understood that it does not. Also, unless the context clearly dictates otherwise or to the contrary, the singular forms in this specification and claims should generally be construed to mean "one or more. &Quot;

As used herein, the terms "information" and "data" are often used interchangeably. As used herein, the terms "client device" and "FC device" are often used interchangeably. As used herein, the term "customer identification data" may often be used interchangeably with "customer information ". In addition, the terms UI and screen, as used herein, are also often used interchangeably.

1 is an exemplary block diagram of a financial system in which various aspects of the present invention may be implemented in accordance with one embodiment of the present invention.

As shown, the client device 110 and the financial server 100 are connected to the data network 120 and operated. The client device 110 collectively refers to all kinds of devices connected to the data network 120 such as a window terminal, mobile, PC, FC terminal, tablet, According to an aspect of the present invention, the client device 110 may be used interchangeably with an FC terminal or a user terminal. The client device 110 collects information including customer identification data from the client and / or the FC. In addition, the client device 110 receives information including consulting information and / or response information from the financial server 100. The client device 110 may be connected to the data network 120 and a comprehensive solution system for customer consulting may be initiated through the database 107 and the processor 105 of the financial server 100.

The data network 120 may be a wired Internet, a wireless Internet, or a combination of a wired Internet and a wireless Internet. In addition, WLAN (Wi-Fi), Wibro (Wireless broadband), Wimax (World Interoperability for Microwave Access), HSDPA (High Speed Downlink Packet Access) and the like may be used as the data network 120. Wired Internet technologies include XDSL (Digital Subscriber Line), FTTH (Fiber to the home), and PLC (Power Line Communication). In addition, a short distance communication module such as Bluetooth, Radio Frequency Identification (RFID), infrared data association (IrDA), Ultra Wideband (UWB), and ZigBee may be used.

The financial server 100 includes a transmission module 103 for transmitting consulting information and / or response information to a receiving module 101 and a client device 110 receiving a customer identification data input from the client device 110 . The consulting information collectively refers to customized consulting information and / or standard consulting information. In addition, the financial server 100 includes a processor 105 for selecting a target customer and generating consulting information and / or response information, and a database 107 for storing and storing the collected customer identification data and expert know- And the like.

The expert know-how data includes at least one of consulting method data for each sales process, consulting method data for each customer type, consulting method data for each type of FC, customized consulting information, and descriptive data for a plurality of parameters of standard consulting information It is constantly updated.

The receiving module 101 and the transmitting module 103 are modules for communicating with the client device 110. The receiving module 101 is a module for receiving the customer data transmitted by the client device 110. The transmitting module 103 is a module for receiving the customer data transmitted from the client device 110 through the database 107 of the financial server 100 and the processor 105 To the client device 110, the target customer information, the consulting information, and / or the response information. Herein, the information transmitted from the client device 110 to the financial server 100 is collectively referred to as 'customer identification data' or 'customer information', and the customer identification data includes customer input information and FC input And one additional input information.

The processor 105 calculates a customer list having high contract importance and contact urgency for each day and provides the list to a consultant. A customer provided on the customer list is referred to as a " target customer ". In addition, the processor 105 may determine the target customer selection reason and the proposal content for each customer as a rule, and present it to the consultant. In addition, for a customer whose information is insufficient, it is possible to infer the similar customer group to present the reason for the target customer and the content of the proposal. In addition, the processor 105 provides the customer-specific response information so that the FC can effectively respond to the customer.

As used herein, the term "response information" may refer to any form of information that may be utilized to service a customer. For example, the response information may include speech information according to the type of the customer, facial expression information corresponding to the rejection type of the customer, voice tone information, behavior information, text message information, data that can evoke the needs of the customer, , Images and images, and the like.

In a further aspect, the processor 105 may reside within the client device 110 or may reside outside of the financial server 100 and be capable of communicating with the financial server 100.

The database 107 receives and stores both quantitative data and qualitative data, as described later. Stores inputted customer information and expert know-how data, and updates it in real time whenever new data is inputted, corrected and / or deleted. The inputted customer information includes at least one of basic information, product subscription information, company contact information, and secondary information obtained by analyzing the customer information. The customer information is used for target customer selection and customized proposal. The expert know-how data includes at least one of consulting method data for each sales process, consulting method data for each customer type, consulting method data for each characteristic of FC, customized consulting information, and descriptive data for a plurality of parameters of standard consulting information . In addition, the target customer information utilization (acceptance or rejection) of the target customer and the FC selected through the processor 105 can be dataized and additionally stored in the database 107. [

In a further aspect, the database 107 resides outside the financial server 100 and may be capable of communicating with the financial server 100.

An inference engine for the present invention operates through the database 107 and the processor 105. [ The reasoning engine will be described later with reference to FIG. 2 and FIG.

FIG. 2 illustrates an implementation block diagram of a financial server inference engine in accordance with an embodiment of the present invention.

The present invention provides a customized proposal for each customer by applying an inference engine solution. That is, when the expert know-how data constituted by the quantitative data and the expert data constituted by the qualitative data are in-put (201), the expert-level problem solving method (that is, consulting information and response information) is utilized by utilizing the customer data and expert know- (202).

In one aspect of the invention, the inference engine may be referred to interchangeably with financial server 100, or may be used to refer to processor 105 and database 107 of financial server 100. Also, the inference engine may refer to a specialized processor or a program in the processor that performs a reasoning operation through a knowledge base in a part where reasoning is executed, and searches for a new fact using a given rule and fact. There are two strategies for reasoning: forward reasoning and backward reasoning. Forward chaining is about starting from the present fact and reaching the final conclusion. Therefore, the database is searched from the information entered by the user until the conclusion is reached. On the contrary, it is the backward chaining that starts from the conclusion and pursues the establishment of preconditions for him. Start with a hypothesis and ask the user to select the hypothesis until it is adopted or rejected. The starting point of this reasoning is called the goal, and the direction of the reasoning proceeds in the direction of checking whether the subordinate goal or facts supporting this goal is true. In the present invention, both forward and backward reasoning can be applied.

Matching and ignition are repeatedly performed in the inference engine. 'Consistency' is the process of determining whether a given rule matches the facts in the database, and 'ignition' is the process of adding the conclusions derived from the matched rules to the database.

According to an embodiment of the present invention, the database 107 of the financial server 100 may store customer data and expert know-how data. The business logic (Rule) of the inference engine may be set in the processor 105 of the financial server 100. [ An inference engine in which information and rule are matched through the interconnection of the database 107 and the processor 105 is operated. This may provide reasons for recommending target customers and target customers. In addition, conclusions derived through mutual matching of the inference engine of the database 107 and the processor 105 are added to the database 107 and used as new information of the inference engine.

That is, when the customer data and the expert know-how data are in-put 201 to the financial server 100, matching with data is performed through the inference engine using the database 107 and the processor 105 of the financial server 100 And infer the new result through the inference engine of the processor 105. [ Additionally, an ignition to add the inferred new results to the database 107 is repeatedly executed. The consulting information and the response information are transmitted to the terminal of the FC through the Out-Put 202. This enables FC to provide professional consulting and response information to customers.

The customer data is composed of quantitative data. In other words, quantitative data is data whose data is expressed numerically and numerically. The expert know-how data is composed of qualitative data. Thus, such qualitative data is not expressed numerically but can be expressed in terms of words. Therefore, the shape of the Out-Put 202 may also be different depending on the type of data. For example, data represented as a numerical value can be provided as a table, a graph, a chart, and the like. In addition, data represented in the form of text may be provided as a pop-up window including script, script, picture, voice, and video.

According to one aspect of the present invention, the format of the Out-Put 202 may differ depending on the type and content of the data. The Out-Put 202 may have a form that can be intuitively confirmed by the customer and the FC.

In accordance with an aspect of the present invention, any inference engine may be an inference engine associated with an open source capable of mounting thousands of inference and / or statistical model cases, or may provide a matching rule model and / It can be a speculative reasoning and statistics engine that can be used for statistical analysis. Another exemplary inference engine according to an aspect of the present invention may be a business rule specific inference engine that is specialized in a matching rule according to a business to support development and management of business rules and procedures of the company effectively.

In addition, the inference engine can serve to retrieve targeted customer offerings, suggestions, and recommendation reasons, and can be used to re-target (scoring) customers through an inference engine. For example, when a variable such as a new variable input is generated, the target customer can be reset. Additionally, the inference engine may include inference implementation and data storage functionality for new information. The new information may include at least one of suggestion by new information and / or automatic addition of recommendation reason.

3 is a flowchart of an exemplary method of implementing a total solution system for customer consulting at a financial server in accordance with an embodiment of the present invention.

The comprehensive solution system consists of four stages: customer information accumulation, target customer selection, customized consulting, and marketing tool presentation. In the step 4, a comprehensive solution system for customer consulting is implemented in the financial server It is only an example method, and each step may be omitted or added.

According to one aspect of the present invention, the step of accumulating customer information can be performed by the database 107, and the step of presenting the target customer selection, consulting and marketing tool can be performed by the processor 105. [

As described above, in step 4, the customer information storage step may be performed by the client device 110 or the like and may be performed through the database 107. [ The customer information stored in the database 107 includes at least one of customer basic information, product subscription information, company contact and transaction information, and customer identification information received from the client device 110 (see FIG. 1). In addition, the customer information may include secondary information deduced by analyzing the customer information, such as the customer orientation and / or the relationship between the customer and the FC. The aforementioned customer information is stored in the database 107 and used for a target customer selection and a tailored proposal for a target customer. In addition, the information presented through the inference engine, the utilization of the FC for the target customer, and the like are stored in the database 107. In addition, information directly input from the FC is stored in the database 107 as customer information, such as the 'first international admission plan 1201' shown in FIG. In addition, customer-specific marketing information such as marketing contents and results obtained at the marketing tool presentation stage may be accumulated as customer information. In addition, the customer information may be modified and deleted through the client device 110. [

According to an aspect of the present invention, a phrase, pop-up and notification function for collecting customer information for collecting customer information may also be input, generated and / or stored.

Wherein the target customer selection step includes the steps of extracting at least one of the contact urgency information for prioritizing the occurrence event of the customer and the contract importance information indicating the customer's needs, And determining the customer. (D-7), 'Thyroid cancer surgery (D-3)', 'Accidental insurance receipt (D-8)', 'Smart VUL CI delinquency' , 'Wedding Anniversary (D-27)', and 'Birthday (D-15)' are some examples of urgent contact information. 'Need for increased death benefit insurance', 'Need for medical expenses for children', and 'lack of assets for retirement preparation' are examples of contract importance information. The contact urgency information and contract importance information will be described later with reference to FIG.

The target customer selecting step is performed by modeling the existing customer information, product information, and contact information between the customer and the company through an inference engine to generate a target customer. The target customer selection stage may be based on a scoring model, and the scoring model is to prioritize the target customer through parameter selection and modeling, which is expected to have an impact on whether or not to additionally subscribe. In addition, a method of extracting a target customer by inputting a specific condition may be used.

Additionally, the target customer is updated in a predetermined period of time (e.g., daily, weekly, or monthly). Target customers are updated in predetermined time intervals to extract target customers having high sales opportunities. The sales opportunity is based at least in part on the above-mentioned contact urgency and contract importance. Based on the sales opportunity, all customers including the holders and the prospective customers are scored to generate the target customers in the order of rank. The generated target customer may be provided as Daily Top 3 (501) of FIG.

In addition, subordinate target customer information and its reason can also be generated and output by 'search by ranking', 'search by entire list', and the like. Additionally, the FC utilization for the target customer validity, such as the reasons and results of the FC accepting or rejecting the contact with the target customer, is stored in the database 107, thereby further enhancing the target customer extraction logic.

In addition, various data such as contact information between the customer and the customer other than the existing customer information and product information may be remodeled by integrating them in the inference engine. As described above with reference to FIG. 2, the inference engine can provide a professional-level problem solving method through the information stored in the database 107 and the inference engine logic stored in the processor 105.

Once the target customer is created, the consulting step for the generated target customer is initiated. The consulting phase may include a custom consulting phase and a standard consulting phase.

In this specification, the step of generating information suggesting a 'how to Do' unique to the target customer by using the information of the target customer generated after the target customer is created is referred to as a 'customized consulting' step. In the customized consulting step, quantitative information such as customer identification data, qualitative information such as FC know-how and knowledge can be matched with the Business Rule to provide a customized proposal for each customer. In the customized consulting step, a basis and reason for a proposal unique to the target customer can be presented.

Additionally, in the customized consulting phase, customized response information may also be generated to serve a target customer other than the consulting information unique to the target customer. Here, the response information may be based, at least in part, on a consulting technique adapted to a concept selling based on a customer's life stage. For example, if the target customer is determined to have the strongest need for how to increase the size of total assets, then use speech, video, images, scripts And so on.

In addition, the 'standard consulting stage' includes generating consulting information on a group of other customers having characteristics most similar to the customer based on the information collected about the customer, when the advance information on the customer is below a predetermined level can do. If the updated customer identification data is received from the customer after presenting the standard consulting information, the consulting information may be updated from the standard consulting information to the customized consulting information.

Since the consulting information and the response information are based on customer needs, persuasive suggestions and reasons for selected customers can be provided through scripts, voice, images, and images. In addition, convenience may be enhanced by graphically rendering the proposed content according to the importance of the proposal and the content of the proposal, thereby increasing the intuitiveness of the FC and / or the target customer.

According to one aspect of the present invention, a Marketing Tool is presented for the selected target customer. A customized tool for assisting effective consulting for each of the selected target clients can be matched. As an example of the customized tool, a marketing tool necessary for the customer may be presented for each sales process. For example, such a marketing tool may include at least one of SMS content, gift content for courier delivery, data to increase familiarity with customers, customer venture data, product proposal data, and standard subscription design data . As another example, a phone buddy function included in the UI displayed when a target customer is created can be included in the marketing tool. In addition, the marketing tool may include at least one of a best collection 1802, a summary report 1803, and a summary report 1804.

As described above, according to one aspect of the present invention, the financial server (or the user terminal) can generate optimal information suitable for the customer and the FC, based on the inputted customer data and expert know-how data.

4A illustrates a flowchart of an exemplary method for a total solution system for customer consulting in accordance with an embodiment of the present invention.

According to an aspect of the present invention, as shown in FIG. 4A, customer identification data and expert know-how data are collected (401) for a total solution system for customer consulting. The customer identification data is input to a financial server 100 (FIG. 1) connected to a data network 120 (see FIG. 1) via a client device 110 such as a window terminal, a mobile terminal, a PC terminal, 1) in the database 107. In a further aspect of the present invention, if the inference engine is embedded in the client device 110, customer identification data and expert know-how data may be stored in the database 107 included in the client device 110. [

The customer identification data may be composed of basic information, product subscription information, company contact and / or transaction information, and secondary information (customer orientation, relationship with FC, etc.) incorporating the customer information. In addition, the customer identification data may include customer information fidelity, monthly income, monthly living expenses, spouse information (spouse name, age, occupation, etc.), child information (name, age, occupation, Payment information, etc.), third party contract information, address, telephone number, e-mail, and key information.

The key information in this specification may be, for example, additional information such as 'first international admission plan' as shown in 1201 of FIG. 12, which may be information that can express the customer's needs, As shown in FIG. In addition, the customer identification data is based on information entered by the customer when subscribing the product. Additionally, the customer identification data may be modified and deleted through the customer's client device 110 and / or the FC device. The revised and deleted customer information is updated in real time in the database 107 and can be reflected when providing consulting information.

The expert know-how data is stored in the database 107 of the financial server 100 (see FIG. 1) by converting the know-how of various FCs into data. The expert know-how data includes at least one of consulting method data per sales process, consulting method data by customer type, consulting method data by characteristic of FC, customized consulting information, and descriptive data on a plurality of parameters of standard consulting information . The expert know-how data can be generated by defining and / or classifying knowledge and / or know-how of various FCs as facts and grouping the facts according to sales processes such as customer discovery, consultation, proposal, conclusion, and service.

In addition, the expert know-how data may include not only FC but also consulting knowledge of field experts such as branch managers and FPs, methods for proposing and utilization data methods and case analysis for customers, and data collected through expert interviews. Such expert know-how data can be represented by various types of data such as voice, image, image, and script.

Additionally, the expert know-how data may be continuously updated at predetermined time intervals. Additionally, the expert know-how data collection step may group and store the expert know-how data by a factor of similar attributes, based on at least one predetermined factor. For example, appropriate expert know-how data can be grouped and stored and managed according to sales process, customer orientation, and the like.

According to one embodiment of the present invention, the customer identification data and expert know-how data collection step (401) may be omitted when the customer identification data and / or expert know-how data are not newly updated. That is, when the FC terminal connects to the financial server, step 401 may be omitted and the method may be initiated in step 403.

After the customer identification data and the expert know-how data are collected (401) for the comprehensive solution system, the target customer is determined based on the collected customer identification data (403). The target customer determination may be performed by extracting at least one of the contact urgency information for prioritizing the occurrence event of the customer from the collected customer identification data and the contract importance information indicating the customer's needs. The contact's urgency information includes 'D-7', 'D-3', 'D-8', 'Smart VUL CI delinquency' D-13, D-27, D-15, etc., and the importance of the above contracts are as follows: 'And' lack of assets to prepare for old age '.

The quantification for determining the target customer can be variably determined according to the type of the customer such as the age, sex, and income of the customer. For example, if the customer is 60 years old, the information on the "scheduled medical examination" can be given a weight rather than the "birthday" or "wedding anniversary".

Wherein the target customer determination step includes the steps of extracting at least one of the contact urgency information for prioritizing the occurrence event of the customer and the contract importance information for indicating the customer's needs, And determining the customer. Thus, the target customer can be determined on a predetermined period basis based on the extracted information. Additionally, the determination of the target customer may include providing a scoring value for the combination of the extracted contact urgency information and contract importance information on a predetermined time period basis, and determining the target customer according to the given scoring value can do.

The determined target customer may be output to the Daily Top 3 501 (see FIG. 5) and / or the activity calendar 505 (see FIG. 5) of the UI 500 (see FIG. 5). Additionally, the user interface for the target customer may be provided in a full list or a list of scheduled lists. Therefore, the FC can confirm the schedule through the activity calendar 505 (see FIG. 5), adjust the customer consultation schedule, fill out the customer consultation contents, classify the customer consultation contents, and write the customer information. The activity calendar 505 (see FIG. 5) of the UI 500 (see FIG. 5) shows a weekly schedule, but may be variably adjusted to FC by day, week, and / or month, etc. by selection. In addition, when the customer name of the activity calendar 505 (see FIG. 5) is selected, the user can be moved to the consulting screen of the clicked customer, or directly connected to other applications such as a memo function or a voice recording function.

If the target customer is determined in step 403, at least one of customized consulting information and standard consulting information for the determined target customer may be generated (405). In the present specification, 'customized consulting information' and 'standard consulting information' are collectively referred to as 'consulting information'.

According to an embodiment of the present invention, the consulting information may be determined based on the customer information of the target customer and the expert know-how data. In addition, the consulting information may be provided as 'customized consulting information' and / or 'standard consulting information' depending on the information collection level of the target customer. To this end, the financial server 100 (or the client device 110) may quantify the degree of collection of customer information as 'customer information fidelity', and thereby evaluate the level of collection of the customer identification data.

If the 'customer information fidelity' exceeds a predefined threshold, customized consulting information may be generated based on information of the target customer and expert know-how data.

In addition, when the customer information is insufficient, that is, when the 'customer information fidelity' does not exceed the threshold, based on the customer information including the standard data generated by the standard model prediction (virtual data simulation) Can be generated.

The standard consulting information is determined by determining non-collected portions of the target customer's customer identification data and determining other customers having the customer identification data having the highest degree of similarity to the customer identification data collected from the target customer. In addition, the averaged customer identification data is averaged as the non-collected portion of the target customer by averaging the values for the non-collected portion of the customer identification data collected from the determined other customers. For example, if the collection level of the collected customer identification data does not exceed the predefined threshold, the standard data may be output via the standard model prediction screen 1400 (see FIG. 14). The standard model predictions are filled with standard data of the customer group having the customer information having the highest degree of similarity with the customer information, and the consulting information can be generated based thereon. In the present specification, the above-described 'averaged input data' may be referred to as 'standard data' or 'simulation estimate'.

In addition, the standard data of the customer's similar customer group includes monthly income, monthly living expenses, spouse, child, premium (number), third party contract information, and the like. The standard data is output in a tabular form, and the FC may be stored after direct selection. After storage, the customer information is updated in real time and the changed contents can be applied to the consulting screen. With reference to the " standard model prediction ", it will be described later in Fig.

In addition, it induces the customer to continuously update his or her information to provide customized consulting information (see FIG. 9). The customer information inputted from the customer and the standard data written through the standard model prediction may be displayed intuitively by different colors or different fonts.

According to an embodiment of the present invention, the consulting information can be intuitively expressed by text (script) and / or graphical interface. Additionally, the consulting proposal and / or the consulting reason based on the customer-specific information can be provided as various information means such as script, image, voice and image.

division Customized Consulting Standard Consulting
Customer information collection level

If the predefined threshold is exceeded
If the predefined threshold is not exceeded

Characteristic
Generate consulting information based on customer information
Generate consulting information based on customer information including standard data written through standard model prediction

Table 1 is an exemplary comparison between custom consulting and standard consulting.

The consulting information may be classified into customized consulting information or standard consulting information according to the level of customer information collection, and the basis of the consulting information may be provided as image, voice, image, script, table and statistical data.

In addition, the consulting information can be divided according to level and importance, and can be output in a form (for example, compressed in one page) that enhances the intuitiveness of the user. In addition, the changed customer information such as addition and / or deletion is reflected in the real-time database, and the consulting contents can be updated in real time. This allows FC to receive updated customer consulting information in response to new customer information when customer information is changed.

Such consulting information may include, for example, financial design consulting, support consulting, golden balance consulting, and the like. Standard consulting information can include customer selection, standard data entry, and standardized financial planning. As described above, when the customer information is insufficient, the standard model is applied, at least the consulting information is generated based on the applied information, and a series of processes in which the new input data is stored in real- . ≪ / RTI >

 The present invention can enhance customer satisfaction by providing customized consulting based on the customer's information collection level and standard type and customized consulting using the information of the customer group in a mixed manner.

According to an embodiment of the present invention, when at least one of customized consulting information and standard consulting information for the determined target customer is generated (405), based on the collected expert know-how data, (407).

Such response information may include a customer response scheme for more easily completing the relationship with the customer when performing consulting with the customer or other sales process.

Such response information includes information on the consulting method by the sales process, information on the target customer customized consulting method, information on the customized consulting method of the relevant FC, explanatory information on the customized consulting information of the target customer, and explanatory information on the standard consulting information of the target customer And may include at least one. The FC includes an inference engine for the customer management through the inference engine based on the collected expert know-how data, a greeting relating to the customer's core event, a product description and a recommendation method for the customer, Customer response type such as response to customer rejection type, and contents of customer response, information on speech, and so on. Thus, the FC can provide efficient customer consultation by providing the action plan, the corresponding pattern, and the conversation method of the FC according to the target customer for each process. This will be described later with reference to Figs. 8, 9, 10, and 11. Fig.

The determined information on the target customer, the consulting information and the response information are transmitted to the corresponding FC terminal connected to the data network 120 (409). The FC receives the above information through the client device 110 such as a window terminal, mobile, PC, PDA, etc., and provides the best consulting reflecting the life stage of the customer, thereby managing the customer and selling the product. By providing high-quality customized consulting, customer satisfaction and FC satisfaction can be enhanced.

The foregoing steps are merely exemplary methods of a total solution system for customer consulting, and each step may be omitted or added.

Figure 4B illustrates a flowchart of an exemplary method for databaseing expert consulting knowledge in accordance with an embodiment of the present invention.

The flowchart shown in FIG. 4B is exemplary only, and some of the steps shown in FIG. 4B may be omitted in accordance with an aspect of the present invention, and additional steps may also be included.

FIG. 4B may be performed by a financial server or a user terminal or a combination thereof according to an aspect of the present invention. Hereinafter, the steps of the method shown in FIG. 4B are illustrated as being performed in a financial server according to an aspect of the present invention.

As shown in FIG. 4B, the financial server may collect quantitative data including FC information and customer information (410).

In one aspect of the present invention, the FC information included in the quantitative data may include FC identification information, FC propensity information, consulting time information, sales process information, and / or customer information of FC. For example, the FC identification information may include any information related to the FC individual to identify the FC, such as the address, age, name, affiliation, and location of the FC. In addition, the FC propensity information is information related to a congenital or acquired formed substrate or behavior pattern of the FC, and may be an outward, introverted, introverted, intangible, intuitive, thinking, emotional, judging, recognizing, And can be distinguished by careful type and stable type.

The customer information included in the quantitative data includes customer identification information, customer orientation information, customer's scheduled event information, customer's needs information, customer's product subscription information, customer's contact information and / or customer response information can do. For example, the customer identification information may include any information related to the customer's individual to identify the customer, such as the customer's address, age, name, affiliation and location. In addition, the propensity information of the customer may mean information obtained by classifying the individual qualities of the customers, which are determined through the contact with the customer, according to a predetermined classification. In addition, the customer's event information to be generated may be information on what event to be generated by the customer, which is detected through contact with the customer, when the event occurs, or how important the event is to the event . The customer's needs information may include information related to a product or guarantee that the customer identified through contact with the customer currently or later needs. In addition, the customer's reaction information may include feedback information of the customer about the contact with the customer, feedback or complaint information of the customer, etc., obtained through the voice of customer (VOC) or the like.

Returning to FIG. 4B, the financial server may collect qualitative data including expert know-how data (420). This expert know-how data includes the FC's behavior method data and the conversation method data of the FC to assist the FC in efficiently responding to the customer, and detailed examples are described in detail in the preceding drawings It will be omitted.

The financial server may then extract 430 parameters for grouping the qualitative data from the collected quantitative data. One or more factors for grouping the qualitative data may include factors selected from the FC information and the customer information. That is, the financial server can analyze factors included in the collected FC information and the factors included in the customer information to determine how to group or structure collected collected qualitative data.

The financial server may generate a plurality of qualitative data groups by structuring the qualitative data based on the extracted factor (s) and store the generated qualitative data groups in a database or the like (440). For example, the financial server selects qualitative data including expert know-how data associated with the extracted one or more factors from among the collected qualitative data, and groups the qualitative data through the operation of grouping the selected qualitative data Groups can be created.

As described above, the financial server can group collected qualitative data based on quantitative data. For example, the financial server may use the know-how data of an expert (for example, data on behaviors of FCs or data on conversations of FCs) by customer orientation, sales process, FC orientation, And / or by the type of occupation of the customer. In other words, scattered and stored expert know-how data can be appropriately mapped and managed with specific factors.

For example, each of the generated plurality of qualitative data groups may include consulting method data by sales process, consulting method data by customer propensity, consulting method data by propensity of FC, consulting method data by customer's response, Consulting method data by customer, consulting method data by customer's needs, and consulting method data by consulting point of time. Such consulting method data may include various types of data, for example, image data, voice data, image data, and / or text data.

The financial server may then receive input for the desired condition from the FC terminal. In response to the input received from the FC terminal, the financial server may select one or more of the stored plurality of qualitative data groups (450). For example, an input may be received for a type of rejection of the customer (e.g., too busy to meet you). In this case, the financial server may select grouped qualitative data (e.g., mapping data) corresponding to the tendency of the customer and / or the tendency of the corresponding FC. In such a case, for example, " I am glad that you are busy, and many of the successful people are always busy, so I contacted you beforehand. There will be qualitative data related to the mapping method, "I will not contact you if you think 15 minutes after you met me. "

In a further aspect of the present invention, the financial server may transmit information (e.g., customer response information) related to the selected qualitative data group to the FC terminal automatically or periodically, irrespective of the input of the condition from the FC terminal.

In addition, the financial server may variably change the type of consulting information generated according to the collected level of customer information about the collected customers (for example, customized consulting information or standard consulting information). Since this has been described in detail above, a detailed description thereof will be omitted here.

In one aspect of the present invention, the FC terminal can perform contact with a customer based on information obtained from a financial server. During or after contact with the customer, the FC terminal may send information (e.g., feedback information) generated by contact with the customer to the financial server.

In this case, the financial server may perform an operation of updating the customer information and the FC information based on the feedback information received from the FC terminal. The financial server may further comprise: extracting one or more factors for grouping the qualitative data based on the updated customer information and FC information; generating and storing a plurality of qualitative data groups by structuring the collected qualitative data; And in response to the input received from the FC terminal, selecting one or more of the stored plurality of qualitative data groups.

Accordingly, through the above-described methodology, it is possible to construct a database of correspondence patterns for various consulting situations by structuring knowledge and know-how of experts, and to provide DBs for providing optimal consulting techniques for each activity stage of FC, for example . Further, as described above, in accordance with an aspect of the present invention, it is possible to provide a system and a method for providing a service (for example, a customer's identification information, product subscription information, (Including informal data such as data-related methods and behavioral methods related to expert know-how) can be derived. In addition, according to one aspect of the present invention, since know-how data on each step of the FC activity process (customer discovery → familiar → product proposal → post-service), behavior pattern, meeting time, meeting interval, Efficient consulting and customer response.

4C depicts a flowchart of an exemplary method of determining a target customer in accordance with an embodiment of the present invention.

FIG. 4C can correspond to step 403 of FIG. 4A. In other words, the step 403 of determining the target customer based on the collected customer identification data is more specifically described in FIG. 4C.

Additional steps other than those shown may also be included in one aspect of the present invention. Further, the steps of some of the steps shown in FIG. 4C may be omitted. In addition, at least a portion of the steps shown in Figure 4C may be performed by the client device 110. [

Customer identification data may be collected (411) to determine the target customer.

From the collected customer identification data, at least one of the contact urgency information for prioritizing the occurrence event of the customer and the contract importance information indicating the customer's needs can be extracted (413).

The contact urgency information is a prioritized event of the customer's event that is extracted from the collected customer identification data. The contact emergency information is classified into 'D-7 for health examination', 'D-3 for thyroid cancer' (D-8), 'Smart VUL CI delinquency', 'Studying in America with a big son (D-13)', 'Wedding anniversary of the third anniversary (D-27)', .

The contract importance information is customer information including the needs of customers who need new contracts or who can induce new contracts. The information on the importance of contracts, such as the need for increased death insurance, the need for medical expenses for children, . This will be described later in more detail with reference to FIG.

Scored values for extracted contact urgency information and contract importance information may be provided (415). Step 415 may be performed on a predetermined time period basis.

The target customer can be prioritized by selecting and modeling variables that are expected to affect the addition or non-addition through step 415.

The processor 105 may score factors related to the contact urgency 602 and the contract importance 603 based on the customer identification data for the customer. That is, for scoring factors related to contact urgency 602, the processor 105 may place a high weight on the factor that the child will be promoted in 2015 than the factor that the child will turn 15 in 2017.

In addition, for scoring factors related to the contract importance 603, the processor 105 may weight the factor that the increase in the death benefit is necessary based on the customer's age information, etc., higher than the factor that the actual cost of the child medical treatment is necessary.

Customer A Contact urgency Scoring Value Significance of contract Scoring Value Health checkup schedule (D-7) 95 Need medical expenses for children 95 Birthday Coming (D-15) 80 Lack of retirement assets 75 Arrive on the date of the birthday (D-15) 85 Spouse CI Not Included 65 synthesis 260 + 235 = 495

Customer B Contact urgency Scoring Value Significance of contract Scoring Value D-5 95 Need medical expenses for children 95 Birthday Coming (D-15) 80 Inheritance tax resources needed 80 Medical examination scheduled (D-15) 70 Older children prepare marriage fund 70 synthesis 250 + 245 = 495

Table 2 is a scoring value for the contact urgency and contract importance factors extracted from customer A's customer identification data.

Table 3 is a scoring value for the contact urgency and contract importance factors extracted from customer B's customer identification data.

As shown in Table 2 and Table 3, the scheduled health examination (D-7) can be scored higher than the scheduled health examination (D-15). As another example, the coming-of-the-day date (D-5) may be scored higher than the coming-of-the-day date (D-15).

Customer A Contact urgency Scoring Value Significance of contract Scoring Value Health checkup schedule (D-7) 95 Need medical expenses for children 95 Birthday Coming (D-15) 80 Lack of retirement assets 75 Arrive on the date of the birthday (D-15) 85 Spouse CI Not Included 65 synthesis 260 * 1.0 + 235 * 0.8 = 448

Customer B Contact urgency Scoring Value Significance of contract Scoring Value D-5 95 Need medical expenses for children 95 * 0.8 = 76 Birthday Coming (D-15) 80 Inheritance tax resources needed 80 * 0.8 = 64 Medical examination scheduled (D-15) 70 Older children prepare marriage fund 70 * 0.8 = 56 synthesis 250 * 1.0 + 245 * 0.8 = 446

Table 4 is a scoring value weighted for the contact urgency and contract importance factors extracted from customer A's customer identification data.

Table 5 is a weighted scoring value for the contact urgency and contract importance factors extracted from customer B's customer identification data.

According to a further aspect of the present invention, when the step 415 is performed, the contact urgency information may be given a weight of 100%, and the contract importance information may be given a weight of 80%.

Table 2 and Table 4 contain the same contact urgency information and contract importance information extracted from customer A's customer identification data. Tables 3 and 5 contain the same contact urgency information and contract importance information extracted from customer B's customer identification data.

In Table 4 and Table 5, however, customer A is given the same scoring value as in Table 2 and Table 3, given the weighting of 100% for contact urgency and the weight of contract 80% Customer B was given a somewhat higher scoring value.

The foregoing is an exemplary method of scoring by weighting extracted parameters, various methods and criteria may be suggested.

In addition, a method of creating a target customer by receiving a specific condition may be used. For example, a target customer may be extracted by inputting a 'non-parented child education insurance policy' of a parent who is 7 years old. As another example, a target customer may be extracted by inputting a specific condition such as' a person with a family history of cancer who is not in the thirties.

Depending on the scored value, the target customer may be determined 417.

Step 417 may be performed on a predetermined time period basis. For example, a daily target can be determined. Alternatively, a weekly target may be determined. The predetermined period may be changed by the server and / or the FC.

If the target customer is determined through step 417, a target customer list may be generated (419).

A target customer list corresponding to a predetermined number can be generated. Three people can be determined as target customers. Alternatively, ten people may be determined as target customers.

Through steps 417 and 419, the target customer may be created as Daily Top 3. Daily Top 3 is only an example according to an embodiment of the present invention, and may be represented by another name such as top 3 suggestion, three-person recommendation, or the number of recommended customers such as Daily Top 5 and Top 7 may vary.

Furthermore, it is possible to provide a function of inquiring the subordinate customers other than the generated target customer list. Additionally, the information about the next target customer and its reason may also be output so that it can be confirmed.

The target customer list generated through step 419 may be provided in the form of at least one of text, image, audio, and video. Reference is made to Fig. 5 in this regard

The target customer may be selected through steps 413, 415, 417, and 419 as described above. That is, the target customer selecting step may include: extracting at least one of the contact urgency information for prioritizing the occurrence event of the customer and the contract importance information indicating the customer's needs; And determining the target customer as the target customer.

The target customer selection stage may be based on a scoring model, and the scoring model is to prioritize the target customer through parameter selection and modeling, which is expected to have an impact on whether or not to additionally subscribe. In addition, a method of extracting a target customer by inputting a specific condition may be used.

Additionally, the target customer may be updated in a predetermined period of time (e.g., daily, weekly, or monthly). A target customer having a high sales opportunity can be extracted by updating the target customer on a predetermined period basis. The sales opportunity may be based at least in part on the contact urgency and contract importance described above.

Based on the sales opportunity, target customers can be created in a ranked order by scoring all customers including the holders and prospective customers. The generated target customer may be provided as Daily Top 3 (501) of FIG.

In addition, various data such as contact information between the customer and the customer other than the existing customer information and product information may be remodeled by integrating them in the inference engine. As described above with reference to FIG. 2, the inference engine can provide a professional-level problem solving method through the information stored in the database 107 and the inference engine logic stored in the processor 105.

Once the target customer is created 419, FC feedback information may be received 421.

The FC feedback information may include whether or not the FC will conduct consultation with the determined target customer. That is, the FC may perform the 'accept' and 'reject' steps for the target customer presented to the FC by the target customer. If the 'accept' or 'decline' input to the target customer is received from the FC, the data for each response may be stored and the content of the response may be reflected.

As a result, it can be used as an inference engine as feedback information on target customer selection. That is, the FC utilization degree with respect to the target customer effectiveness, such as the reason and the result of the FC accepting or rejecting the contact with the target customer, is stored in the database 107, so that the target customer extraction logic can be further upgraded.

According to a further embodiment of the present invention, the scheduling information may be generated 423 based at least in part on the location information and meeting preference time information of the target customer determined through step 417.

The scheduling information of the FC can be generated based at least in part on the location information and the meeting preference time information of the target customer included in the inputted information. Therefore, the movement distance and the movement time of the FC on the same day can be minimized.

Additionally, the scheduling information generation may be performed by receiving an input to a tab of an activity calendar 505 (FIG. 5).

In order to generate the meeting scheduling information, the financial server 100 may instruct the target FC to record a schedule such as a meeting, a consultation, and a visit to the target customer.

According to a further embodiment of the present invention, FC terminal location identification information may be collected (425). The location information may include a GPS module.

Traffic information may be generated 427 based, at least in part, on the collected FC terminal location identification information and the determined target customer location information through step 425.

The traffic information may include at least one of a moving optimal route to a promised place with a target customer, a transfer guide, a travel time, a travel required amount, and a recommended transportation means. Or may request a call to the neighboring area based on the location information of the FC.

For example, if the location of the FC by the FC terminal location identification information is Yeouido station and the appointment place with the first customer is Noksapyeong station, 5 minutes later, after getting off at the bus stop in front of exit 1 of Sadang station of the National Assembly, , Moving from Gwanghwangchang Station (Line 6) to Noksapyeong Station, the expected time is about 20 minutes, and the required amount is 1,050 won.

According to a further aspect of the present invention, it is assumed that there is a first customer scheduled to meet at 10:00 AM, and a second customer scheduled to meet at 1:00 PM. The appointment place with the first customer, the appointment time, the appointment place with the second customer, and the appointment time are determined through the meeting scheduling step 423, so that the appointment place with the first customer Based on at least part of the travel time and traffic information from the second customer to the appointment place with the second customer. The push function may also be provided as a pop-up window including vibration notifications.

The meeting scheduling for the final determined customer is generated according to the FC feedback for the generated target customer, so that the FC can easily make the consultation. Thereafter, consultation data results may be collected 429 based on performance for the target customer (e.g., insured and increased insurance, etc.).

The consultation data results collected through step 429 can be regenerated as statistical data and stored in the database 107. [ This allows the target customer extraction logic to be further enhanced.

As described above, statistical data on the FC utilization for the target customer information may be generated (431) based at least in part on the collected FC feedback information and the consultation result data through steps 421 and 429.

By providing the generated statistical data to the FC, participation of the FC can be induced. In addition, by updating the database 107 based on the statistical data, the target customer extraction logic can be improved.

The customer identification data may be updated 433 based at least in part on the collected FC feedback information and consultation result data through steps 421 and 429. [ Additionally, it may be stored in the database 107 based at least in part on the FC feedback information and the consultation result data. That is, the FC feedback information (customer information utilization of FC) for the customer may be stored in the database 107 in addition to data. FC customer information utilization and FC feedback information are often interchangeable.

Additionally, the customer identification data may be updated in response to a change in the customer identification data.

Through the updating step 433, the target customer extraction logic can be further upgraded.

Additional steps other than the steps shown in FIG. 4C may also be included in one aspect of the present invention, and steps of some of the steps shown in FIG. 4C may be omitted. In addition, at least a portion of the steps shown in Figure 4C may be performed by the client device 110. [

When the target customer is created through the above-described steps, the consulting step for the generated target customer is started. The consulting phase may include a custom consulting phase and a standard consulting phase.

Referring to FIG. 4D, step 405 of generating consulting information can be described in more detail.

FIG. 4D shows a flowchart of an exemplary method of generating one of customized consulting information and standardized consulting information according to customer identification data collection level according to an embodiment of the present invention.

Additional steps other than those shown in Figure 4d may also be included in one aspect of the present invention. Further, the steps of some of the steps shown in FIG. 4D may be omitted. Further, at least a portion of the steps illustrated in Figure 4D may be performed by the client device 110. [

Customer identification data and expert know-how data may be collected 441 for the generation of consulting information and / or response information. The customer identification data and the expert know-how data are input through the client device 110 such as a window terminal, a mobile terminal, a PC terminal, and an FC terminal in advance before the consulting information is generated, and are transmitted to the financial servers 100, (See FIG. 1).

In addition, step 441, in which customer identification data and expert know-how data are collected for the generation of consulting information and / or response information, may be performed in two separate steps. For example, customer identification data collection and expert know-how data collection may have different steps and procedures. For ease of explanation of the present invention, FIG. 4D collectively defines customer identification data collection step and expert know-how data collection step as step 441.

The customer identification data may be composed of basic information, product subscription information, company contact and / or transaction information, and secondary information (customer orientation, relationship with FC, etc.) incorporating the customer information. In addition, the customer identification data may include customer information fidelity, monthly income, monthly living expenses, spouse information (spouse name, age, occupation, etc.), child information (name, age, occupation, Payment information, etc.), third party contract information, address, telephone number, e-mail, and key information.

The inputted customer identification data can be stored as customer data according to the grouping factors. For example, it can be divided into categories such as age, sex, region, and job category. According to a further embodiment of the present invention, the grouping factors may include at least one of basic information, product subscription information, customer information fidelity, and FC input information.

In a further aspect of the present invention, if the inference engine is embedded in the client device 110, the customer identification data may be stored in the database 107 included in the client device 110.

The expert know-how data includes at least one of consulting method data for each sales process, consulting method data for each customer type, consulting method data for each type of FC, customized consulting information, and descriptive data for a plurality of parameters of standard consulting information It can be continuously updated.

When the customer identification data is collected through step 441, steps 443 and 445 for evaluating the collection level of customer identification data may be initiated.

Through step 443, the financial server 100 can quantify the degree of collection of customer identification data. The degree of collection of the quantified customer identification data may be referred to as " customer information fidelity ". As used herein, the terms " customer identification data " and " customer information " are often interchangeable.

The financial server 100 may add a weight based on a predetermined criterion to the customer identification data collected through step 441 to quantify the degree of collection of the customer identification data.

According to an embodiment of the present invention, criteria for quantifying the degree of collection of customer identification data may be predetermined. The predetermined criterion for quantifying the degree of collection of the customer identification data may be set based on at least one of the amount of collected customer identification data, the type of collected customer identification data, and the time of collecting the customer identification data. The factors for quantification described above are merely examples, and various factors for quantifying the degree of collection of customer identification data may be included.

If the collection level of the collected customer identification data is quantified by adding a weight based on the predetermined criterion to the collected customer identification data, step 445 can confirm that the customer identification data collection level exceeds the threshold value. That is, the collection level of the customer identification data can be evaluated.

Additionally, thresholds that serve as a basis for evaluating customer information fidelity may be determined, for example, by the server administrator.

If the collection level of customer identification data exceeds the threshold value by step 445, then consulting information based on step 455 of receiving a consulting importance level selection input and step 457 of receiving a consulting difficulty level selection input may be generated 459 ). At this time, the generated consulting information can be referred to as 'customized consulting information'.

That is, if the customer information fidelity exceeds the predefined threshold 445, customized consulting information may be generated 459 based on the customer's information.

The consulting information may include at least one of financial design consulting, support consulting, and golden balance consulting.

It may also be provided in the form of at least one of text, image, audio, and video based at least in part on the importance of the proposal and the content of the proposal. For example, by providing information in the form of a graph or table, you can maximize your intuition.

According to an embodiment of the present invention, when there is a shortage of customer identification data, a customer having a high degree of similarity among the customers in the model may be matched through comparison inference between customers, and consulting information may be generated by inferring the customer identification data based thereon.

In other words, if the collection level of the customer identification data does not exceed the threshold value, the non-collected customer identification data may be determined as the averaged customer identification data through the process of steps 447, 449, 451 and 453. The consulting information may then be generated 459 based on the step 455 of receiving the consulting importance level selection input and the step 457 of receiving the consulting difficulty level selection input. The consulting information generated at this time may be referred to as 'standard consulting information'.

The standard consulting information is determined through non-collected portions in the customer identification data of the target customer, and by determining other customers (customer grids) having the customer identification data having the highest degree of similarity to the customer identification data collected from the target customer Lt; / RTI >

More specifically, the generation of the standard consulting information includes averaging the values for the non-collected portion of the customer identification data collected from the determined other customers, and storing the averaged customer identification data as a non-collected portion of the target customer And a process for judging whether or not there is a problem. In the present specification, the above-described 'averaged input data' is referred to as 'standard data' or 'simulation estimation'.

As a result, even if the collection level of customer identification data is low, the lack of information can be obtained from other customers having similar tendencies in the database, thereby maximizing the consulting effect.

That is, if the customer information fidelity does not exceed the predefined threshold (445), the standardized consulting information may be generated based on the customer information including the standard data generated by the standard model prediction of the unattached customer identification data ( 459).

An exemplary method of predicting the standard model according to an embodiment of the present invention is presented in steps 447, 449, 451, 453.

If the customer information fidelity does not exceed the predefined threshold, the non-collected portion of the customer identification data may be determined 447.

Based on, at least in part, the pre-entered customer identification data, other customers having customer identification data with the highest degree of similarity to the customer may be determined (449). The number of other customers having the customer identification data having the highest degree of similarity to the customer may be arbitrarily determined by the server.

The averaged portion of the customer identification data collected from other determined customers may be averaged (451)

The customer identification data averaged through step 451 may be determined as the non-collected information of the customer (453).

For example, it is assumed that there is a first client who is a 35-year-old college male resident in Youngdeungpo-gu, Seoul. If the collection level of the customer identification data of the first customer does not exceed the predefined threshold, the financial server 100 may determine the non-collected customer identification data of the first customer.

For example, it is assumed that the salary information of the first customer is not collected. Other customers having customer identification data having the highest degree of similarity with the first customer can be determined based at least in part on the customer identification data of the first customer. For example, a 35-year-old male university graduate resident in Yeongdeungpo-gu, Seoul may be a second, third, fourth, or fifth customer.

The salary information of the first customer can be determined by averaging the salary information of the second, third, fourth, and fifth customers who are 35-year-old male college graduates living in Youngdeungpo-gu, Seoul. That is, a 35-year-old male first client residing in Yeongdeungpo-gu, Seoul, where the salary information is not filled, calculates the average value of salary data of a second customer, a third customer, a fourth customer, And the consulting information can be generated.

That is, the non-participation information among the customer identification data can be virtually written through the standard model prediction. In other words, the average value of the data of the customer group having the customer information having the highest degree of similarity may be input, and the standard consulting information may be generated.

The above-described steps are merely an exemplary method of filling unincorporated information among collected customer identification data to provide standard consulting as standard data. In order to provide standard consulting, unused information among the collected customer identification data is converted into standard data Various methods of writing can be presented.

In a further aspect of the present invention, in addition to a method of collectively averaging the input values of customers in a customer's grid that is the basis for generating standard consulting information, standard data may be generated through various methods (e.g., The average for the rest of the customers except for the lowest 10% and the highest 10%).

According to a further embodiment of the present invention, it is assumed that the salary of the second customer is one billion won, the salary of the third customer is eighty million won, the salary of the fourth customer is thirty million won, and the salary of the fifth customer is ten million won. The salary information of the first customer can be predicted by averaging the salary information of the third and fourth customers excluding the salary information of the second and fifth customers.

In accordance with a further embodiment of the present invention, the financial server 100 in the step 449 of determining other customers with the highest degree of similarity customer identification data may determine whether the customer identification < RTI ID = 0.0 > Data can be grouped into a plurality of groups. It is possible to determine other customers having the highest degree of similarity to the customer by selecting a group having the highest degree of similarity with the customer identification data of the customer among the grouped plurality of groups.

For example, unpaid salary information can be predicted and input by selecting a self-employed person (food and beverage business) for the third year as a similar group to the occupation group of the first customer who is a 35-year-old college graduate resident in Youngdeungpo-gu, Seoul.

In one aspect of the present invention, a customer's group, which is the basis for generating standard consulting information, may include a plurality of groups (a plurality of grids). That is, not only the customer group having the highest degree of similarity with the inputted identification data of the customer but also the customer group having the highest degree of similarity, the customer group having the same degree of similarity as the customer, May be added to reflect the unexposed portion of the customer through the average of the input values of the customers included in the one or more grids.

Through the standard model prediction, the simulation estimate of the customer group having the customer information having the highest degree of similarity with the customer information is filled up, and the consulting information can be generated based thereon.

Therefore, through the above-described standard model prediction, even if the input portion of the customer information is insufficient, the consulting information most suitable for the customer can be generated. In other words, even if the amount of information provided by the customer is insufficient, the insufficient information can be acquired from other customers having similar tendencies in the database, thereby maximizing the consulting effect.

In addition, if the updated customer identification data is received from the customer after presenting the standard consulting information, the consulting information may be updated from the standard consulting information to the customized consulting information.

Although not shown, a series of steps may be further performed to generate consulting information based on the updated customer identification data by additionally inputting the customer identification data by the FC to generate consulting information.

According to an embodiment of the present invention, the financial server 100 generates a customer list having a low collection level of customer identification data (i.e., does not exceed a threshold value) and transmits the generated customer list information to the corresponding FC terminal Lt; / RTI > This enables FC to identify at a glance which customer it is under the low level of collecting customer information and to contact the customer for further collection of customer identification data.

In addition, when a customer list with a low level of customer information collection is provided, response information may be provided for the customer.

The inputted customer identification data according to an embodiment of the present invention is stored in the database 107 and can be updated in real time whenever new data is inputted, corrected and / or deleted.

Additionally, the financial server 100 may evaluate the level of collection of customer identification data in response to a change in customer identification data and generate one of updated customized consulting information and updated standardized consulting information based, at least in part, on the changed rating It is possible.

A selection input for consulting difficulty level and / or consulting importance level may be received via steps 455 and 457 to generate consulting information.

May be generated at a consulting importance level of one of a plurality of predetermined consulting importance levels based at least in part on the received selection input through step 455. [

May be generated at a consulting difficulty level of one of a plurality of predetermined consulting difficulty levels based at least in part on the received selection input through step 457. [

The consulting information generated based at least in part on the collected customer identification data may vary depending on the selected consulting importance level and the consulting difficulty level.

The consulting importance level may be determined by selection by the FC and / or determination by the server, based in part on the importance of the contract to the customer, as a measure of the importance of the consulting content to the customer.

The consulting difficulty level may be determined by the selection by the FC and / or by the server based, at least in part, on the capabilities of the FC and the customer identification data, as a difficulty with respect to the consulting content for the customer.

The consulting importance level and / or the consulting difficulty level may be represented by numbers (e.g., LV1, NO.1, 1, etc.) or represented by letters (e.g., 'very important', 'high', 'easy' . For example, the consulting difficulty shown in FIG. 8 may be displayed as 'sun', 'month', or 'star'.

In addition, the consulting importance level and / or the consulting difficulty level may be expressed in symbols and equals (e.g., II, +,%, etc.). The consulting importance level and / or the consulting difficulty level may be represented by including both numbers, letters, symbols, and equal signs.

The consulting importance level and the consulting difficulty level can be determined by receiving a selection input. Or may be determined and determined by the server. This will enable the creation of customer consulting information tailored to the situation.

Additionally, the number of consulting importance levels and the number of consulting difficulty levels may be predetermined.

The above description is only an example, and according to an embodiment of the present invention, various consulting level setting steps for providing a consulting method can be included in the present invention.

Also, the steps of some of the steps shown in FIG. 4D may be omitted or the order may be different. For example, step 457 may be performed before step 455.

Further, the steps depicted in FIG. 4D are exemplary and additional steps may also be included within the scope of the present invention, and at least some of the depicted steps may be performed by an external server.

Once consulting information is generated (459), response information based at least in part on customer identification data and expert know-how data may be generated (461).

That is, in the consulting step, customized response information for responding to a target customer other than the consulting information unique to the target customer may also be generated. Here, the response information may be based, at least in part, on a consulting technique adapted to a concept selling based on a customer's life stage. For example, if the target customer is determined to have the strongest need for how to increase the total assurance wealth, then the incentives, videos, and images related to how to extend the total assurance wealth with life insurance , Script, and so on.

The response information includes at least one of consulting method information by sales process, customized consulting method information, customized consulting method information of the FC, explanation information on customized consulting information of the customer, and explanation information on standard consulting information of the customer can do.

The characteristics of the FC customized consulting method information may be generated based on at least one of an MBTI (Myers Briggs Type Indicator) test result, an DISC test result and an evaluation for the FC including feedback information on the FC of the customer.

The Myers-Briggs Type Indicator (MBTI) test is a self-reported personality type indicator designed based on Jung's psychological function theory on recognition and judgment, and Jung's attitude theory that determines the direction of recognition and judgment.

These MBTI tests are based on self-report items that can be easily answered by individuals. They find their preferences when they recognize and judge them, and how these preferences tend to be grouped together to affect human behavior. It is a psychological test that is designed to apply to real life.

In other words, MBTI refers to the innate psychological tendency that is latent to human beings before being influenced by education or environment, and belongs to one of two categories shown in the following four bipolar indices according to their temperament and disposition. Since there are two cases for each of the four indicators, a total of 16 types are created.

division Sensation / Accident Sensation / emotion Intuition / emotion Intuition / Accident Introversion / Judgment ISTJ ISFJ INFJ INTJ Introversion / Recognition ISTP ISFP INFP INFP Extroversion / Recognition ESTP ESFP ENFP ENTP Extroversion / judgment ESTJ ESFJ ENFJ ENTJ

Preferred indicator Extraversion Introversion Explanation It maintains a wide range of interpersonal relationships and is social, passionate and active. Keeping in-depth interpersonal relationships and experiencing quiet, careful, and understanding Representative expression Attention to self outside
External Activity and Aggressiveness
Passive, active
Verbal
Understanding after experiencing
Easily known Focus on self
Internal activity and concentration
Quiet and discreet
Written expression
After understanding, experience
Slowly known

Preferred indicator Sensing Intuitive (iNturition) Explanation It relies on the five senses and focuses on the actual experience, focuses on the present, and accurately and thoroughly manages the work. It relies on intuition or inspiration, is forward-looking, feasible, meaningful, quick and fast. Representative expression Now, focus on the present
Actual experience
Accurate, thorough work
Realistic Event Description
The tendency to see trees
Harvest and harvest Focus on future possibilities
idea
Quick and easy handling
Figurative, implicit depiction
The tendency to see the forest
Seed

Preferred indicator Thinking Feeling Explanation It is logical, analytical, and objectively judged with genuine interest in facts and facts. Have a sincere interest in the relationship with the person and explain it in a situational and normal way. Representative expression Truth, attention to facts
Principles and Principles
Argument, analytic
Right, wrong.
Norms and standards
Intellectual comment Interest in people, relationships
Meaning and Influence
Situational, inclusive
Good, bad.
Meaning to me
Friendly cooperation

Preferred indicator Judging Perceiving Explanation There is a clear purpose and direction, and the deadline is strict and thoroughly planned and systematic. Purpose and direction are changeable, schedule changes according to the situation, autonomous and flexible Representative expression Arrangement and planning
Willpower promotion
A quick conclusion
Control and coordination
Clear sense of purpose and direction
A clear standard and self-doctor Openness to fit the situation
Acceptance by understanding
A leisurely process
Flexibility and adaptation
Openness that purpose and direction can change
Inclusion that can be treated at discretion

Table 6 shows the 16 types of MBTI test results.

Table 7 shows the explanations and representative representations of outward and inward out of bipolar indicators.

Table 8 shows the explanations and representative representations of the tetragon and intuition types in the bipolar indices.

Table 9 shows the explanations and representative expressions of the thinking type and emotion type among the bipolar indicators.

Table 10 shows the explanations and representative expressions of judgment type and recognition type in the bipolar indicator.

The DISC test is a method of examining patterns of human behavior patterns devised by Dr Marston of Columbia University in 1928. Human beings behave in a selective or constant manner by their own unique motivational factors, and these behaviors repeat to form a single tendency. Or behavior pattern or behavior style in unconsciously acting naturally.

D type I sociable C carefully S stable type Outstanding achievement
Act lively
Accept the challenge
Has leadership
Quickly decide Contact with people
Give a favorable impression
Motivate others
Pleasing people
Join the group Pay attention to details
Prefer familiar environment
Work exactly
Strict mindset
Analyze the situation and identify risk factors Perform a fixed job
Be patient
Dedicated to the job
Considering and cooperating with others
Listen to someone's story

Dr. Marston defined four types of types: Dominance, Influence, Steadiness, and Conscientiousness.

Table 11 shows the four types of behavior patterns that may appear as a result of the DISC test.

The characteristics of the FC customized consulting method information may be generated based on at least one of an MBTI (Myers Briggs Type Indicator) test result, an DISC test result and an evaluation for the FC including feedback information on the FC of the customer.

In this way, FC customized response information can be generated rather than uniformized response information. This can maximize the merits of the FC only, and it can strengthen the business ability effectively by understanding itself. In addition, it can be effective in identifying customer orientation by conducting individual orientation training for FC and developing customer response technology.

According to a further embodiment of the present invention, the financial server 100 groups the FCs by their characteristics based at least in part on the characteristics of the FC according to the results of MBTI (Myers Briggs Type Indicator) test and / or DISC test, A content exchange platform can be provided to exchange information between the same personality types. This allows the FC to recognize the lack of it and provide a route to develop it.

In accordance with a further embodiment of the present invention, an MBTI test and / or a DISC test may be provided upon receipt of customer identification data via step 441. This can lead to an update of the customer identification data. Further, customer response information based partially on the customer ' s personality type may be generated.

According to an embodiment of the present invention, optimum consulting information and response information can be generated based on the life stage of the customer and customer needs based at least in part on the customer identification data. The information may be provided to the FC at any time through the client device 110 (e.g., a window terminal, mobile, PC, FC terminal, tablet, etc.) connected to the data network 120. This allows a level of consulting to be achieved by anyone who is away from the existing consulting methods that depend on the individual capabilities of the FC and branch managers.

According to a further embodiment of the present invention, by providing customized information for each customer to the FC, it is possible to provide a way to do (e.g., How to Touch, How to Communicate and How to Sell) Information can be provided. Furthermore, FC's capabilities may be enhanced by pulling FCs through the system to enable self-learning.

5 illustrates an exemplary UI for providing a selected target customer in accordance with an embodiment of the present invention.

The UI related to target customer selection is composed of tabs such as Daily Top3, customer search by theme and activity calendar. The customized consulting is composed of "customized consulting service" tab including financial design consulting, support consulting and Golden Ballus consulting, Information consulting, information input, and standard financial planning. The above-described tab and UI configuration is only an exemplary method according to an embodiment of the present invention, and the content and the configuration method of the UI constituting the UI may be different.

5, when the FC accesses the target customer selection screen (UI) 500 through an identification process such as a login process, the FC selects the Daily Top 3 501, the customer search for each theme 504, the activity calendar 505 ) At a glance intuitively. The UI can be expressed in a clear manner by using tables and charts for analysis of each customer. In addition, the UI may be combinable as a presentation.

The Daily Top 3 (501) selects the most important n (for example, three) of urgent customers, such as a consultation or a meeting, among the customers of the FC and presents the reasons. The Daily Top 3 501 is only an example according to an embodiment of the present invention, and may be represented by another name such as Top 3 suggestion, 3-person recommendation, or may change the number of recommended customers such as Daily Top 5 and Top 7. The Daily Top 3 501 may be proposed based at least in part on contact urgency (or touch urgency) 502 and contract importance 503. Additionally, as shown in FIG. 5, the information about the subordinate target customer other than Daily Top 3 and its reason may also be output so as to be identifiable. In addition, the UI may provide a function of inquiring the subordinate customers by permitting them to be arranged by turning the customer list left or right. In addition, the UI may allow the customer list to be viewed by turning the customer list up or down or by turning clockwise and / or counterclockwise according to the configuration of the screen 500.

As described above, Daily Top 3 501 can be selected based on the inference engine. The UI may select a target customer as shown in Daily Top 3 501 and provide an 'activity plan' tab 507 so that activity planning for the selected target customer can be continued. Such activity planning can include a date selection function and an activity content selection function. Also, if a selection is made for an activity plan establishment tab, the UI may create an input window for the target customer so that the FC can record a schedule of meetings, consultations, visits, and the like. In addition, the UI associated with the target customer selection may provide a memo function, thereby creating a window for directly inputting the activity contents and the additional input items from the FC.

A 'Accept' 508 and a 'Reject' 509 tabs may be provided for the target customer presented in the Daily Top 3 (501). When an input from an FC that "accepts" or "rejects" the target customer is received, the data for each response may be stored and the content of the response reflected. Additionally, it may be possible to allow the FC to check whether to establish an activity plan for the proposed target customer via the 'Accept' or 'Decline' tabs 508 and 509, and deduce this as feedback information for target customer selection It can be utilized in the engine. Additionally, when an input for selecting a customer name in the Daily Top 3 (501) and the subordinate customer list is received, it can be switched to a consulting chart screen.

Based on at least one of the contact urgency information 502 for prioritizing the occurrence schedule event of the customer and the contract importance information 503 for indicating the customer's needs from the collected customer identification data, . A scoring value for a combination of the extracted contact urgency information and contract importance information may be given in a predetermined time unit, and the target customer may be determined according to the given scoring value. The financial server 100 may generate meeting scheduling information of the corresponding FC based at least in part on the determined target customer's location information and meeting preferred time information.

In Figure 5, Hong Gil-dong (40 years old), Kim Sam-sung (47 years old) and Jeon Ji-hyeon (38 years old) are taken as examples of Daily Top 3 (501). In one aspect of the present invention, the reason why Hong Gil-dong (40 years old / male) is recommended as the first among the Daily Top 3 501 appears in the contact urgency 502 and the contract importance 503. In the case of Hong Gil-dong (40 years old / male), it is decided as the contact urgency (502) of the health checkup (D-7), the coming-of-age (D-19) and the accident insurance payment receipt (D-8) , The need for medical expenses for children, and the lack of retirement assets are determined by the importance of the contract (503). Based on the screen output through this UI, FC can select whether or not to accept Hong Gil-dong (40 years old / male) as a target customer of today and establish an action plan.

As shown in FIG. 5, the customer search tab 504 for each theme includes contact temporaryities 511, recent touch status 512, success list 513, customer profile 514, target customer full list 515, A customer inquiry 516 and an individual customer search 510 function. Here, when the selection for the contact urgency tab 511 is received, as shown in FIG. 5, a list of prioritized target customers is output based on the contact urgency, or a contact urgency Information may be output, or a criterion for scoring contact urgency information may be output. In addition, when a selection of the latest touch status tab 512 is received, a list of customers who have recently performed a touch process such as meeting, consultation, etc., and touch result information may be output. In addition, when a selection for the success list 513 tab is received, a list of customers whose contracted FC has come through a meeting, consultation, etc., may be output. In addition, when a selection for the customer profile 514 tab is received, the customer identification data of the customers who contracted through the FC or the customer identification of the customers who have not contracted with the FC, Data can be output. Further, when a selection for the entire customer inquiry 515 tab is received, a list of all the customers managed by the FC or the group to which the FC belongs, etc., may be output. When a selection for individual customer search 510 tab is received, a search window may be output to allow the FC to search for the desired customer through one or more of the customer's identification data.

Accordingly, such a theme-specific customer search 504 may permit linkage to other systems, inquiry to a specific customer, and / or retrieve data for a specific customer. In addition, the function of searching for customers by theme (504) may include various filtering conditions (such as touch urgency 511, recent touch status 512, success list 513 and customer profile 514, ), An entire customer inquiry 516, and an individual customer search 510).

In one aspect of the present invention, when a selection for 'search by rank' shown in FIG. 5 is received, a list of target customers of subordinates other than Daily Top 3 may be output. The 'search by rank' is an exemplary name according to an embodiment of the present invention, and the name or the position in the UI where the 'search by rank' is placed may be variable according to user setting and system setting.

As shown in FIG. 5, the activity calendar 505 may provide a customer meeting scheduling table of the FC in a predetermined period unit (e.g., weekly). Here, if a selection for the weekly detailed view 518 tab is received, more specific information related to the customers who will be meeting or consulting on a weekly basis may be output, and a selection for the monthly calendar view 520 tab is received , The scheduling table of the corresponding FC on a monthly basis can be output.

In addition, when a selection of the customer name and the emoticon of the activity calendar 505 is received, the UI can output the information of the customer and the activity contents with the corresponding customer.

In addition, the activity calendar 505 allows the FC to establish appointments and action plans with the customer. Meeting scheduling information of the FC may be generated based at least in part on location information and meeting preference time information of the target customer included in the information entered in the activity calendar 505 and the activity plan establishment 507. [ Therefore, the movement distance and the movement time of the FC on the same day can be minimized.

In addition, when a selection of the customer name of the activity calendar 505 is received, the UI can output the selected customer's consulting screen. Further, the activity calendar 505 is connected to a memo function or a voice recording function for each customer, thereby allowing the FC to record customer additional information for each customer. The memo function may be based on at least one of voice recording, video recording, handwriting and typing. In addition, the UI can provide an event customer inquiry and notification function for each day, thereby improving the customer contact opportunity of the FC.

As described above, according to one aspect of the present invention, a target customer is created through customer identification data, expert know-how data, and an inference engine, and the generated target customer is linked to the activity calendar 505, Efficiency and convenience can be improved.

In addition, the activity calendar 505 allows the FC to establish appointments and action plans with the customer. Meeting scheduling information of the FC may be generated based at least in part on location information and meeting preference time information of the target customer included in the information entered in the activity calendar 505 and the activity plan establishment 507. [ Therefore, the movement distance and the movement time of the FC on the same day can be minimized.

In addition, if the customer name of the activity calendar 505 is clicked, the consulting screen of the clicked customer is displayed. In addition, the activity calendar 505 allows the FC to record customer additional information for each customer by connecting a memo function or a voice recording function for each customer. The memo function is based on at least one of handwriting and typing. In addition, event customer inquiries and alerts can be provided on a daily basis to enhance customer contact opportunities.

As described above, according to the present invention, a target customer is created through customer identification data, expert know-how data, and an inference engine, and the efficiency and convenience of establishing a customer contact plan are enhanced by linking the generated target customer and the activity calendar 505 do.

Figure 6 illustrates an exemplary top 10 proposal chart based on contract importance and contact urgency information in accordance with an embodiment of the present invention.

According to one aspect of the present invention, the processor 105 may derive a customer-related insight based on customer data, select a target customer, and generate consulting information for the selected target customer. The processor 105 can select a customer as a target customer having a contract-based contract importance and a contact urgency. This can target and list highly urgent customers, such as customers with high contract importance and business days. The target customer selection model design described above may be based on modeling and reasoning areas.

As shown in FIG. 6, the processor 105 may select a total of ten factors, each with five scoring high, based on the contact urgency 602 and the contract importance 603 as 'Top 10'. In this specification, the target customer's sales opportunity scoring chart based on "Top 10" is referred to as the Top 10 chart.

As described above, the target customer selection can be extracted based on at least one of the contact urgency 602 and the contract importance 603. [ As shown in FIG. 6, the contact urgency 602 is a priority order of a customer's scheduled event that is extracted from the collected customer identification data. As shown in FIG. 6, 'contact date urgency' , 'Plan to be promoted in 2015', and 'Children 15 years of age in 2017'. The contract importance 603 is customer information including the needs of customers who need new contracts or can induce new contracts, as shown in FIG. 6, Lack of ready assets, '' no variable insurance coverage ', and' foreclosure. '

As shown in Figure 6, the processor 105 may score factors related to contact urgency 602 and contract importance 603 based on the identification data for the customer Hong Kil-dong (40 years old / male) . That is, for scoring factors related to contact urgency 602, the processor 105 may place a high weight on the factor that the child will be promoted in 2015 than the factor that the child will turn 15 in 2017. In addition, for scoring factors related to the contract importance 603, the processor 105 may weight the factor that the increase in the death benefit is necessary based on the customer's age information, etc., higher than the factor that the actual cost of the child medical treatment is necessary.

According to an aspect of the present invention, a target customer can be selected based on the contact urgency and contract importance of each customer through the Top 10 selection, and a scheduling function with the target customer can be provided. By providing a Top 10 proposal chart, FC can provide a variety of key information that can be presented to customers.

Figure 7 illustrates a consulting chart presenting financial design consulting during custom consulting in accordance with an embodiment of the present invention.

The screen (UI) 700 of FIG. 7 is an exemplary UI for customized consulting information for a selected target customer. In one aspect of the present invention, Top 10 proposal charts and the like can be output together with customized consulting information, so that customers' needs can be sought.

In addition, the UI 700 may include a consulting chart 701, a selection window for the steps of a comprehensive solution process such as a recommendation reason, a marketing tool, etc., a financial design consulting 702, A selection window for the sub-steps for the consulting chart 701 of the solution process. Thus, the user (e.g., FC) utilizing the UI can easily move to each step by using the UI shown in FIG.

According to one embodiment of the present invention, as shown in FIG. 7, the UI 700 may be provided with a customer search 709 tab that includes a customer search 709 function. Accordingly, the FC can inquire the customer list and the target customer list stored in the database 105 through the customer search 709 tab. In addition, the customer search 709 can directly input and retrieve the customer name, such as the individual customer search 510 tab of FIG. In addition, the daily urgency 511, the latest touch status 512, the success list 513, the customer profile 514, the target customer Full list 515, And the like may be generated as an emoticon and / or a list and may be interlocked with the function of the customer search 709 so that the UI 709 allows the user to select the DailyTop3 (See FIG. 5) and a theme-specific customer search 504 (see FIG. 5).

The analyzed contents of the target customer can be expressed in a clear manner using a table and a chart as shown in the UI 700. Additionally, at the bottom of the chart, you can display debt, child education fees, marriage funding and retirement funds.

For a detailed description of the present invention, the example of Hong Gil-dong (40 years old / male) presented in Daily Top 3 501 (see FIG. 5) will be described as an example. As described above with reference to FIG. 6, the factors such as the need for increase in death benefit insurance, the need for medical expenses for children, and the lack of aged reserve assets are output for Hong Gil-dong (40 years old / male) on the basis of contract importance (503). Customized consulting is provided based on customer information, so customer information can also be output. In FIG. 7, this can be displayed as 'major customer information'. The main customer information includes customer information fidelity, monthly income, monthly living expenses, spouse information, child information, insurance premiums, third party contracts, addresses, telephone numbers, e-mail, etc. Also, key information such as' do. The key information may be inferred information based on data of the customer inquiry screen and / or additional information entered by the FC.

The fidelity of the customer information is a numerical value indicating the degree of filling of the customer information. If the 'customer information fidelity' exceeds a predefined threshold, the processor 105 may generate customized consulting information based on the target customer's information and expert know-how data. In addition, the standard consulting information may be generated when the customer information is insufficient, that is, when the 'customer information fidelity' does not exceed the threshold value. In addition, the standard consulting information is generated by averaging the data values of other customers having the customer identification data having the highest degree of similarity to the customer identification data collected from the target customer, by collecting portions not collected in the customer identification data of the target customer . According to a further aspect of the present invention, the threshold for determining the fidelity of customer information may be variable depending on user settings, system settings, and so on.

According to an aspect of the present invention, the UI 700 may provide a standard model prediction (virtual data simulation), a customer search function, a phone buddy function, and the like. When receiving the selection for the standard model prediction (virtual data simulation), the processor 105 can generate a chart by applying an average value of the input information of other similar customers to the insufficient information among the written customer information. This will be described later in more detail with reference to FIG.

The UI 700 of FIG. 7 is a consulting chart used in customized consulting for Hong Gil-dong (40 years old / male) according to an embodiment of the present invention. In addition, the consulting chart 701 may include financial design consulting 702, bracketing consulting, a golden balance consulting chart, etc., allowing the user to select according to the tendency and ease of explanation of the customer. Here, the consulting chart of Financial Planning Consulting (702) is used to calculate the happiest assets on the Life Stage and to express the present assets, real estate, stock funds, cash and debt status including guaranteed assets in various images, scripts and images This is a chart that supports your financial planning.

With respect to this financial design consulting 702, when the most disagreement 705 tab is selected, a financial design consulting chart is created assuming the worst case scenario, and when the disease disaster 706 tab is selected, A hypothetical financial design consulting chart can be generated. The most disadvantaged 705 and disease disaster 706 are examples of assumptions for financial design consulting, and other assumptions (e.g., unemployment, parental death, etc.) may also be included within the scope of the present invention.

Although not shown, when the selection for the 'highest arguement 705' at the bottom of the screen 700 of FIG. 7 is received, an action is displayed that breaks the impersonal economic value graph and the 'disaster 706' When a choice is received, it can be shown that real estate, equity funds, reduced cash, and ready assets change to a downward trend. Therefore, the intuitiveness to the user can be emphasized through these functions.

Supporting consulting can be composed of scripts, images, and images of safety devices and risk factors for improving the quality of life of the aged and the family, based at least in part on information input and input information. Means a chart. In addition, the Golden Balance Consulting refers to scripts, images, and images that contain information indicating how much the customer is prepared for predetermined conditions (e.g., family, age, life and medical).

Additionally, if a selection is entered for each part of the chart (e.g., 'real estate', 'debt', and 'personal pension') provided in the UI 700, the corresponding information may be output.

In addition, when receiving a selection of the Top Ten proposal chart 707 of the UI 700, a Top 10 proposal chart for the customer is provided. This will be described later with reference to FIG. Additionally, the name and location of each tab, icon, and / or emoticon within UI 700 described above may be variable.

FIG. 8 shows a Top 10 proposal chart (proposal reason / statistical data) according to an embodiment of the present invention.

When the selection of the Top 10 proposal chart 707 of the screen 700 of FIG. 7 is input, the Top Ten proposal chart 800 of the customer is provided. As shown in FIG. 6, 'Top 10' is information on a total of 10 pieces, each of which has a high scoring value, based on the contact urgency 602 and the contract importance 603. Based on the 'Top 10', a target customer may be created.

As shown in FIG. 6, the contact urgency 502 is a priority order of a customer's scheduled event from the collected customer identification data. As shown in FIG. 6, the contact urgency 502 includes' "" Promotion to 2015 "and" 15-year-old child of 2017 ". The above contract importance 503 is customer information including the needs of customers who need new contracts or can induce new contracts as the customer information such as' need for increase in death benefit insurance ',' need for medical expenses for child's actual loss', ' No insurance of variable insurance ', and' joining hands'.

FIG. 8 shows a UI 800 providing suggestion reason / statistical data among Top 10 suggestion charts. As shown in the figure, when receiving a selection input for each piece of information in the Top 10 proposal chart, a proposal reason corresponding to each piece of information is output. For example, in the UI 800 of FIG. 8, when a selection of 'need for increase in death benefit insurance' is input in the top 10 proposal chart, 'the value of the customer's happiness asset is 455 million won, It is full. The economic value of the impersonator is 1.2 billion, which requires additional preparation. Suggestion reason 801 related to 'need for increase in death benefit insurance' as in 'preparation level 27%' may be output. In addition, statistical data 807 relating to the reason for the proposal may be provided along with the reason 801 for the proposal. Statistical data 807 related to the reason for the suggestion may be loaded when receiving a selection for reference numeral 805. [ The statistical data 807 according to an aspect of the present invention may include, for example, a 'status of preparation of family security assets by income section'. Such statistical data 807 can be generated by the processor based on the customer identification data collected through the database.

In addition, the UI 800 outputs a selection input window for the consulting difficulty level so that the user (FC) can select the difficulty level of the consulting to be presented to the customer according to the type of the customer and the user setting (for example, , Middle and lower or sun, moon and stars)

In addition, the UI 800 may select a separate consulting proposal if the pre-contract information and pre-input information meet as information required to provide a highly comprehensive financial planning consulting service. For example, it can provide consulting proposals such as effective tax cut strategy for large-scale asset owners, rational asset management strategies for corporate CEOs, and efficient asset portfolio composition strategies.

9 shows a top 10 proposal chart (script type) according to an embodiment of the present invention.

As described above, the UI 800 of FIG. 8 provides a Top 10 proposal chart and statistical data 807 relating to the proposal reason 801 and / or the proposal reason. In addition, when the selection of reference numeral 901 is input, as shown in FIG. 9, 'the customer says that the child who lost the impersonation without sufficient preparation loses three things. The first is to lose a loved one because of the need to move, the second is to lose the mother because the mother has to make money, and finally the child's precious dream is lost. The customer wishes to protect their children from losing their precious things', the response information 904 related to the proposal is generated in a script format. The response information 904 related to the proposal may include a memo , an activity calendar 505 (see FIG. 5), etc. May be interlocked. In addition, the voice recording function can be interlocked and allows the FC to practice and verify customer service using the consulting information and the script of the information . That is, an embodiment according to one aspect of the present invention provides a self-learning function.

In addition, the type and size of the proposal can be differentiated on the chart based on the priorities of the customer-specific proposals. In addition, the degree of difficulty can be given to the customer-specific proposal, and consulting considering FC and / or customer level can be developed. For example, difficulty can be classified into advanced, normal, and basic. Here, the advanced degree of difficulty may include, for example, a financial design, an uninsured product area. The general difficulty may include, for example, a guarantee center, a critical necessity guarantee. The basic difficulty may include, for example, an event center, an information utilization point. The above-described advanced, general, and basic are merely one embodiment for classifying the difficulty level, and the name or the number of classification may be changed. For example, as shown in FIG. 8 and FIG.

As described above with reference to FIGS. 8 and 9, the Top 10 proposal provides a variety of grounds / reasons for the proposal, statistical data, and the like. In addition, it provides scripts that FC can easily learn and use. The present invention can be used variously in preparation of activity of FC and advance R / P, as well as training of consultant.

FIG. 10 shows a suggestion reason UI of customized consulting according to an embodiment of the present invention.

In one aspect of the present invention, the reason for suggestion 1004 may be included in the response information.

The UI 1000 of FIG. 10 is a reason for suggestion (1004) of customized consulting for Hong Kil-dong (40 years old / male). As described above, it is possible to develop a consulting service considering the level of consultants and / or the customer by imposing difficulty on a customer-specific proposal. For example, you can classify difficulty levels by advanced, normal, and basic. Here, the advanced difficulty level may include financial planning and non-insurance product areas. The general difficulty level may include a guarantee center and a major necessity guarantee. The basic difficulty may include event-driven, information-utilizing points. The above-described advanced, general, and basic are merely one embodiment for classifying the difficulty level, and the name or the number of classification may be changed. For example, the screen 1000 of FIG. 10 presents consulting of difficulty 'month'. When the UI 1000 receives a selection for the reason for recommendation 1004, a screen including the script shown in FIG. 10 may be loaded.

In addition, each screen provides customer inquiry function, reason for selecting target customers, and statistical information function corresponding to script. The customer inquiry function may be provided in association with the in-house accumulation data. In addition, the customer inquiry function can be categorized into simple version and detailed version according to the situation of the customer and the FC, and can be inquired. The above-described simple version and detailed version are only examples for the present invention, and may be different in the name of the advanced version, general version, basic version, or the like.

In addition, 'Your information will be based on the information you provide. You can get more information by clicking here. If you answer any additional questions, you can get more detailed information (1002). Reference numeral 1002 is only an example according to an embodiment of the present invention. Contents and / or format for further receiving customer data may be changed according to the type of customer, user setting, and the like. The additional inputted customer data may be updated in real time and stored in the database 107 and reflected.

In one aspect of the present invention, the reason for the recommendation (1004) is that 'the customer has a reserve ratio of 27% compared to the happiness asset (1,575 million), and the economic value of about 1,150 million won Kim 's investment risk preference is a conservative type, which is currently being credited to a bond - type fund with a monthly salary of 200,000 won and a monthly salary of 200,000 won per month for a long - term savings product (maturity of 7 years) And the rental income is 3 million won per month. (It is necessary to collect comprehensive real estate tax and the inheritance fund is necessary.) ',' The second is the urgent need of securing the medical security asset while the standardization loss is not in progress 'and' Work is 5.20 days (D-5). The insurance premium can be saved by the insurance before the previous day ', and the customer response information and statistical data can be provided by reference numerals 1005 and 1007 and the like. In Fig. 10, the reason for suggestion 1004 is merely an example, and suggestion reasons other than scripting in the form of movie, voice, and image forms may also be included within the scope of the present invention.

In one aspect of the present invention, when a selection for reference numeral 1005 is received, customer response information for the provided text may be output. For example, 'Hong Kil-dong customer needs to prepare economic value of about 1.15 billion KRW, in addition to 27% of the happy assets (1,575 million),''Do you have a lot of shoulders on your shoulders? I look at my husband, but on the other hand, I see the anxiety of suffering from the heavy burden of being the best. If your body greets your body well, you may be able to spend your old age through pension conversion. I would recommend a protection product that replaces the responsibility of the owner. " This can increase the effectiveness of contact opportunities and contacts for targeted customers.

Figure 11 illustrates a UI in which customized consulting for a target customer is provided in accordance with an embodiment of the present invention.

The customized consulting is consulting information presented by matching qualitative information such as customer identification data and qualitative information such as FC know-how and knowledge with the Business Rule. Through the consulting information, the UI 1100 presents the reason and reason for the customer-specific proposal to the FC, and proposes consulting information and response information. The response information may be based on a consulting technique (Human Capital) adapted to Concept Selling based on the customer's life stage.

Since the consulting information and the response information are based on customer needs, the UI 1100 can provide a persuasive suggestion and reason for each selected customer through a script and a screen. For example, the UI 1100 of FIG. 11 indicates that the amount of insurance is insufficient because the first child's registered loss is three, and the second one is not registered at all. 'The first insurance subsidy for the actual health insurance subsidized by Hong was 80 years old and covered by the insurance before the standardization, and the medical expenses for hospitalization is 30 million won per year. In addition, only 80% of the actual medical expenditure is guaranteed, It provides the reason for the persuasive suggestion based on the above customer information that "the laughing is guaranteed up to 100 years old, up to 50 million won per hospital fee, 90% of actual expenditure for medical expenses". In addition, the UI 1100 may provide the convenience of the invention by highlighting the FC and / or the intuitiveness of the customer by graphically rendering the script associated with the reason of the suggestion according to the importance of the proposal and the content of the proposal.

12 illustrates a UI associated with a phone buddy in accordance with an embodiment of the present invention.

The UI 1200 shown in Fig. 12 can be loaded when a selection for the phone buddy 1201 is input. When a selection of a screen similar to the customer's response is input from the screen 1202 in which the customer rejection type is intuitively displayed, a text screen 1203 of the customer rejection type is generated as text. When receiving a selection for the screen 1204 in which the consultant's correspondence method is intuitively displayed, a detailed text screen 1205 relating to the FC correspondence method can be generated as text.

Although not shown in FIG. 12, the UI 1200 may include a 'Send Message' tab. Accordingly, when receiving an input for selecting a content of a desired FC message and selecting a 'message transmission' tab, a message of the selected content can be automatically transmitted to the corresponding terminal number of the customer. In addition, the UI 1200 may allow dragging of message contents, so that when dragging data related to a desired message, image, image, emoticon, voice, etc. onto the 'message transmission tab' Lt; / RTI > Such data may include the consulting information described above.

In a further aspect of the present invention, in the case of a rejection of a type other than the databaseized customer rejection type, the UI 1200 may allow the FC to enable further input for a new type of rejection type. In this case, depending on the new type of rejection type, new correspondence data may be generated by the processor and stored in the database.

FIG. 13 shows a UI in which company and consultant input information for customer's core information is inquired according to an embodiment of the present invention.

The UI 1300 of FIG. 13 outputs company and consultant input information to the customer's core information. The UI 1300 may be provided as a consulting chart and a pop-up screen (key information) in a text screen.

When receiving the selection for the core information 1303, the company provided information 1301 and / or the consultant input information 1302 may be output. The UI 1300 may be implemented in the form of a pop-up. In addition, the UI 1300 may allow the customer to inquire and / or enter key information. The input content may be updated and reflected in the inference engine.

The company providing information 1301 includes the contents of contact with the company by the customer. The contents of the contact include contents of consultation by the customer through the call center, VOC and 1: 1 inquiry. As shown, the company-provided information 1301 may include an input date, a contact / contact classification, and a main content.

The consultant input information 1302 may include contact content between the FC and the customer. As shown in FIG. 13, the consultant input information 1302 provides input date, contact / contact content, draft date, and the like. In addition, the above information essentially includes attributes such as 'birth', 'income', 'loss of income' and so on. In order to receive an attribute, a screen for inputting the attribute may be additionally provided. In addition, the consultant input information 1302 may be input through at least one of a keyboard, a note, an image, an image, and a voice. In addition, the consultant input information 1302 may be stored in the database 107 (see FIG. 1) and reflected in updating the contact urgency information and / or the contract importance information. Further, such consultant input information 1302 may be reflected in the processor 105 and updated to update target customer creation and Daily Top 3. The consultant input information 1302 may also be displayed as touch history information in the customer inquiry screen.

In a further aspect of the present invention, when the company provided information 1301 and / or the consultant input information 1302 are input as video or audio, the STT engine (not shown) And can be automatically stored in the form of text data by extracting text data from the data.

FIG. 14 illustrates a UI for predicting a standard model by reflecting virtual data according to an embodiment of the present invention.

The UI 1400 shown in FIG. 14 may output a standard model prediction to generate consulting information for customers whose collection level of customer identification data does not exceed a predefined threshold. In the UI 1400, monthly income, monthly living expenses, spouse, address, e-mail, and key information of 'Kim Ssung Sung (40 years old / male) are' no information ', and the customer information fidelity is only 21%. Accordingly, in order to generate consulting information for Kim Sung-sung (40 years old / male) with low customer information fidelity, the UI 1400 may generate an input window or the like causing additional customer information to be input, Data can be input automatically. Customized consulting may be provided if additional customer information is entered and the 'customer information fidelity' exceeds a predetermined threshold. In one aspect of the present invention, when a selection is made for 'standard model prediction (virtual data simulation) 1401', the UI 1400 can generate and output standard consulting information by automatically entering virtual data .

The standard consulting information is determined through non-collected portions in the customer identification data of the target customer, and by determining other customers (customer grids) having the customer identification data having the highest degree of similarity to the customer identification data collected from the target customer Lt; / RTI > More specifically, the generation of the standard consulting information includes averaging the values for the non-collected portion of the customer identification data collected from the determined other customers, and storing the averaged customer identification data as a non-collected portion of the target customer And a process for judging whether or not there is a problem. In the present specification, the above-described 'averaged input data' is referred to as 'standard data' or 'simulation estimation'.

According to one aspect of the present invention, if the collected level of collected customer identification data does not exceed a predefined threshold, the simulation estimate (standard (s)) via the UI 1400 Data) can be output. Accordingly, the UI 1400 is filled with simulation estimates of the customer group having the customer information having the highest degree of similarity to the customer information through the standard model prediction, and the consulting information can be generated based thereon.

When a selection is made for 'standard model prediction (virtual data simulation) 1401', a screen 1402 for guiding the standard model prediction is generated. In FIG. 14, reference numeral 1402 denotes' above information. For the convenience of the consultant, the missing part of the customer's information was arbitrarily assumed based on the average value of the customer similar to the customer. More accurate results can be obtained by inputting the correct information Please note that the above phrase is exemplary only and may include various types of data and various contents of data. When the tab for the confirmation 1403 is selected, a simulation estimate (standard data) of the customer group having the customer information having the highest degree of similarity with the customer can be generated 1405. Additionally, when receiving a selection for the customer's group grid 1404, the UI 1400 is provided with a UI associated with the customer grid 1600 (see FIG. The customer group grid means that customers are grouped into a plurality of groups according to predetermined factors. A detailed description of the customer group grid will be described later with reference to FIG.

Additionally, the customer's similar customer group and simulation estimates may be output in tabular form, including monthly incomes, monthly living costs, children, premiums (number of cases), third party contract information, etc., as shown via reference numeral 1405. Such a simulation estimate may be stored as information related to the customer in the database or the like through selection from the FC. Additionally, messages, images, images, and voices that guide the customer to continuously update his or her information to provide customized consulting information, such as 902 in FIG. 9, may also be generated via the UI 1400 have.

FIG. 15 illustrates a financial design consulting graph in a consulting chart of standard consulting information generated through the standard model prediction according to an embodiment of the present invention.

As described above, when receiving a selection for 'standard model prediction (virtual data simulation) 1401' in FIG. 14, the UI 1400 displays a screen 1402 (see FIG. 14) Can be generated. Then, when receiving the selection for the confirmation 1403, the UI 1400 generates a simulation estimate (standard data) of the customer group having the customer information having the highest degree of similarity with the customer, Can be input. Standard consulting information can be generated based on the customer information including the standard data inputted through the standard model prediction.

In the case of non-participating information such as monthly income, monthly living expenses, spouse, address, e-mail, and key information of monthly income, monthly living expenses, and spouse information of Kim Ssung Sung (40 years old / male) Can be virtually written. As described above, the average value of the data of the customer group having the customer information having the highest degree of similarity to that of Kim Sung-sung (40 years old / male) is input to generate standard consulting information.

The average value of the data of the customer group having the highest degree of similarity is determined by determining other customers having the highest degree of similarity to the customer identification data collected from the target customer. And averaging values of the non-collected portion of the customer identification data collected from the determined other customers.

In one aspect of the present invention, a customer's group, which is the basis for generating standard consulting information, may include a plurality of groups (a plurality of grids). That is, not only the customer group having the highest degree of similarity with the inputted identification data of the customer but also the customer group having the highest degree of similarity, the customer group having the same degree of similarity as the customer, May be added to reflect the unexposed portion of the customer through the average of the input values of the customers included in the one or more grids.

In a further aspect of the present invention, in addition to a method of collectively averaging the input values of customers in a customer's grid that is the basis for generating standard consulting information, standard data may be generated through various methods (e.g., The average for the rest of the customers except for the lowest 10% and the highest 10%).

And the consulting information is generated based on the simulation estimate of the customer group having the customer information having the highest degree of similarity to the customer information through the standard model prediction. The UI 1500 shows a financial design consulting graph in the consulting chart of the standard consulting information generated through the standard model prediction.

Therefore, through the above-described standard model prediction, even if the input portion of the customer information is insufficient, the consulting information most suitable for the customer can be generated.

16 illustrates a customer grid according to an embodiment of the present invention.

The customer group shown in UI 1600 of FIG. 16 is only one example of the method according to an embodiment of the present invention, and the contents corresponding to each group may be omitted or added. Additionally, the membership, content and average value of each customer group may be updated periodically. Additionally, the consulting information according to one aspect of the present invention may further include a consulting chart that matches the customer's group grid.

As described above, when a selection is made for 'standard model prediction (virtual data simulation) 1401' in FIG. 14, a screen 1402 (see FIG. 14) for guiding the standard model prediction is generated. The UI 1600 of FIG. 16 is then loaded when a selection for the customer's group of grids 1404 is received. The illustrated customer group is shown as being classified by factors such as age, marital status, income, type of occupation, plan of inheritance, etc., but other factors besides these factors (e.g., type of residence, location, ) May also be included within the scope of the present invention.

As shown in FIG. 16, the customer group having the highest degree of similarity with Kim, Sam-sung (40 years old / male) is determined based on the customer information of Kim Sam-sung (40 years old / male). The determined customer group is highlighted and displayed as 1601 in the screen 1600 of FIG. The slash marks 1601 are only examples according to an embodiment of the present invention, and various animation effects such as color change, flickering, appearance, and the like can also be an example of highlight processing.

In one aspect of the present invention, when an input for selecting one customer group among a plurality of customer group grids is received, a list of customers included in the customer group can be output. Additionally, from the list of output customers, the customers managed and managed by the logged-in FC can be highlighted and displayed. Further, the UI 1600 may also provide a customer search function within the customer group.

In an aspect of the present invention, when an input for selecting one customer group among a plurality of customer group grids is received, information such as an attribute, a main feature, a proposal data, a response data, have.

FIG. 17 illustrates a UI for providing information based on standard data of a selected customer group according to an embodiment of the present invention.

In the screen 1600 of FIG. 16, when an input for selecting one customer group among a plurality of customer groups is received, standard information based on the standard data corresponding to the selected customer group may be output. The standard information may include an 'attribute' (for example, a forty male male office clerk), a 'guarantee status by pay', a 'main feature', and a 'customer suggestion point'. Additionally, the standard information may include consulting information.

Although the standard information in FIG. 17 is shown in the form of a script and a table, the form of voice, image, and image may also be included in the standard information.

Therefore, even though the input information for the customer, Mr. Sam-sung (40 years old / male), is insufficient through the information shown in FIG. 17, similar information for consulting and responding to the customer can be generated. Allowing the FC to provide consulting information that meets customer needs.

FIG. 18 illustrates a UI 1800 in which a best collection is selected among methods for providing a marketing tool according to an embodiment of the present invention.

The financial server (or user terminal) according to the present invention can generate, store and output information related to a customized tool for effective consulting for the selected target customer for the target customer. Such a customized tool can present a marketing tool necessary for the customer for each sales process. The Marketing Tool may be loaded when a selection for the Marketing Tool 1801 is input. This allows the user (FC) to view customer information and marketing tools at a glance. The marketing tool may include at least one of a best collection 1802, a summary report 1803, and a comprehensive report 1804. In one aspect of the present invention, information related to the marketing tool may be included in the response information.

The best collection 1802 provides a guide for customized tool configuration. Therefore, FCs that have difficulty in selecting contents directly can easily use them.

The UI 1800 shown in FIG. 18 indicates a UI when the best collection 1802 is selected from among the screens for the marketing tool. This enables FC to manage its target customers conveniently and effectively. As shown in the UI 1800, the Marketing Tool provided when the Best Collection 1802 is selected may include at least one of SMS, courier dispatch, familiarity data, needs ventilation data, product proposal and standard subscription design. have. In addition, as described above, the phone buddy function included in the UI output when creating the target customer can also be included in the marketing tool.

In an aspect of the present invention, the function associated with the SMS 1805 includes not only a content example of a message for increasing intimacy with a customer, a message dispatch timing, etc., but also a predetermined message, voice, image, and / To the terminal of the corresponding customer. Further, the SMS 1805 function may store the content and date of messages exchanged with the customer in advance, and may confirm the FC when necessary, thereby helping determine the content of the message to be additionally transmitted . Also, the transmission of the message may be implemented through a drag function for the selected data.

According to an aspect of the present invention, when receiving the selection of the familiar data 1806, the UI 1800 may output a list of familiar data for enhancing intimacy with the customer. Examples of such familiarity materials may include gifts, poems, proverbs, music, images, images, etc., of a customer's type.

In accordance with an aspect of the present invention, upon receiving a selection for courier dispatch 1807, the UI 1800 may implement courier dispatch for selected materials (e.g., gifts) from the list of familiar materials described above . For example, if you want to send a courier from a list of familiar materials, you can send the familiar data to the location of the customer by selecting the coupon related to the selection window and choosing courier delivery. That is, the order can be automatically made to the server of the pre-affiliated courier company, so that the FC can transmit the familiar data to the customer without consuming a lot of time.

In another aspect of the present invention, when a selection for courier dispatch 1807 is input, an article list for courier dispatch may be output. Upon receiving a selection for the output article list, the UI 1800 may generate an automatic order to a server of a pre-associated courier company.

In one aspect of the present invention, needs evocation materials 1808 may include a variety of materials that can prompt a customer in the meeting and consultation with a customer, such as an insurance product. In other words, when information and materials that meet customer 's needs identified in the information gathering stage are presented, customers can recognize the necessity and value of insurance. Thus, these needs ventilation data may include various types of information and materials that visualize the potential needs of the customer and cause the customer to be aware of the value and need of the insurance. When the selection of the needs ventilation data 1808 is input, various scripts, information, audio, images, images, and the like that can evoke the needs of the customer can be output based on the customer identification data.

In one aspect of the invention, the product proposal 1809 may include suggestion data for the financial (insurance) product to be presented to the customer. Upon receiving a selection for the product proposal 1809, the UI 1800 may output a list of financial (insurance) products to recommend based on the customer identification data. The product proposal will be described in more detail later with reference to FIG.

In one aspect of the invention, the standard subscription design 1810 may include a design for subscription of each financial (insurance) product-specific financial (insurance) product. When an input to the selection for the standard subscription design 1810 is received, the UI 1800 may output a standard subscription scheme for the financial or insurance product selected or recommended by the customer or FC.

FIG. 19 illustrates a detailed screen related to a product proposal among methods for providing a marketing tool according to an embodiment of the present invention.

The UI (1900) shown in FIG. 19 shows a case where a product proposal is selected as a marketing tool for a target customer in the UI (1800) of FIG. As shown, when a selection for a product proposal is received, the UI 1900 recommends VVIP Variable Universal Lifetime, VVIP Universal Lifetime, Platinum Variable Universal Lifetime, Platinum Universal Lifetime, Smart Variable Universal Lifetime, Top Class Universal Lifetime Financial (insurance) products can be output. The product name shown in the UI 1900 and the number of proposed and outputted goods are only examples, and can be changed by the type of the customer, the FC setting, and / or the system setting. When the recommendation product is selected, the selected recommendation product information may be provided to an e-mail address based on the customer identification information of the target customer through an e-mail sending (1905) tab. In addition, if the e-mail address of the target customer is not filled in, a screen for receiving an e-mail address may be generated. In addition, a screen for receiving the e-mail address may be implemented in the form of a pop-up. Additionally, although not shown in FIG. 19, it may also be acceptable to provide the recommendation item information to the target customer via sns. In addition, the UI 1900 can transmit the selected recommended product information to a print medium such as a printer through a print tab 1907.

FIG. 20 illustrates a UI in which a summary report among the marketing tools is selected according to an embodiment of the present invention.

The UI 2000 may be loaded when a selection for the Marketing Tool 1801 (see FIG. 18) is received and a selection for the summary report 1803 (see FIG. 18) is received. The summary report 1803 (see FIG. 18) is one of the methods for providing the result report of the marketing tool. The result report can be classified into three types of high-level type, general type and basic type. Here, seniority means a comprehensive report for financial planning consulting. The generic term refers to the generic report focused on the guaranteed asset proposal. The basic type means a brief summary report of about one page. Such a summary report may include at least one of a customer information status (2002), a consulting result (2003), and a customized proposal (2004).

According to an aspect of the present invention, the customer information status 2002 may display a part of the customer's identification data received from the customer. Also, the main consulting content (2003) may include summary scripts, images, voice and image data on factors related to the customer's contact urgency information and contract importance information. Further, the customized proposal 2004 may include summary scripts, images, voice and image data for proposals unique to the customer (e.g., customized consulting information and standard consulting information) based on the customer identification data . In addition, the customized proposal 2004 may be provided with a correction function so that the UI 2000 allows the branch manager's coaching and FC's opinion to be directly reflected when supplementation is required.

UI 2000 related to the summary report can be selected as one of financial design consulting 2007, support consulting 2008, and golden balance 2009. Financial planning consulting is a system that calculates the happiness of a person on the life stage and expresses the current assets (including guaranteed assets), real estate, stock funds, and cash and debt status with various images, scripts and images. And the like. Supporting Consulting (2008) consists of scripts, images and images of safety devices and risk factors for improving the quality of life of the aged and the family, based at least in part on information input and input information. It means information that can be obtained. In addition, the Golden Balance 2009 refers to scripts, images and images, etc. that contain information indicating how much the customer is prepared for predetermined conditions (e.g., family security, old age security, life security and medical security) do.

In addition, the summary report can be used for comprehensive reviews and customer interviews for all phases of customer consulting. In addition, such a summary report can, for example, help FC to organize and confirm the contents of the consultation immediately before the meeting with the customer.

21 shows a UI of a customer information input window.

The customer of UI (2100) and Kim Shin-kyu (38 years old). The fidelity of the customer information of the customer is 10%, and further information input is required. A customer information input window can be automatically or manually input to receive uninitiated information. Although not shown, when the customer information input window is created, the UI 2100 can guide that a more detailed solution can be provided to the customer as the customer's information is input in more detail.

In addition, the non-entered portion can be predicted as a standard model by reflecting an average value of similar customer groups corresponding to the customer's basic input information based on the inputted customer information. The U1 2100 may additionally generate a window for guiding contents related to the counter-prediction to the standard model. Additionally, the entered information may be changed, updated and stored at a later time.

The question window and input window 2101 requesting the input of the customer information shown in FIG. 21 are merely illustrative, and a question window requesting input of various customer information and a corresponding input window can be created. And will be apparent to those skilled in the art.

According to aspects of the present invention, it is possible to provide an optimal consulting method and a response method corresponding to various customer information as part of consulting for customer business rather than consulting for decision-making at the time of new business or business promotion .

In addition, according to aspects of the present invention, in addition to providing FC with efficient scheduling considering the line, time, and the like at the customer's visit, the target customer who should preferentially make a contact based at least partially on the contract importance information and the touch urgency information Can be selected to provide optimal scheduling for the FC.

Further, according to aspects of the present invention, statistical analysis of an existing customer DB is added to information currently available to a specific customer, and a similar customer group is set so that FC can be used to select standard or customized consulting , It can assist FC consulting that meets customer's needs.

In one or more exemplary implementations, the functions, steps and operations described herein may be implemented by hardware, software, firmware, or a combination thereof. When implemented in software, the functions may be stored on or transmitted via one or more instructions or code on a computer readable medium. Computer-readable media includes computer storage media and communication media including any medium for facilitating transfer of a computer program from one place to another. The storage medium may be any general purpose computer or any available medium that can be accessed by a special purpose computer. By way of example, and not limitation, such computer-readable media can comprise any form of computer readable medium, such as RAM, ROM, EEPROM, CD-ROM or other optical disk storage media, magnetic disk storage media or other magnetic storage devices, But not limited to, a general purpose computer, a special purpose computer, a general purpose processor, or any other medium that can be accessed by a particular processor. In addition, any connection means may be considered as a computer-readable medium. For example, if the software is transmitted from a web site, server, or other remote source over wireless technologies such as coaxial cable, fiber optic cable, twisted pair, digital subscriber line (DSL), or infrared radio, and microwave, Wireless technologies such as cable, fiber optic cable, twisted pair, DSL, or infrared radio, and microwave may be included within the definition of such medium. The discs and discs used here include compact discs (CDs), laser discs, optical discs, DVDs, floppy discs, and Blu-ray discs where disc plays the data magnetically, As shown in FIG. The combinations may also be included within the scope of computer readable media.

Those skilled in the art will fully understand that the various illustrative logical blocks, modules, circuits, and algorithm steps described above may be implemented as electronic hardware, computer software, or combinations thereof. In order to clarify the interchangeability of hardware and software, various illustrative components, blocks, modules, circuits, and steps have been described in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the overall system. Skilled artisans may implement these functions in varying ways for each particular application, but such implementation decisions are not necessarily outside the scope of the invention.

In addition, various aspects or features described herein may be implemented as a method, apparatus, or article of manufacture using standard programming and / or engineering techniques. Moreover, steps and / or operations of a method or algorithm described in connection with the aspects disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. Additionally, in some aspects, steps or acts of a method or algorithm may be present as a machine-readable medium, or as a combination of at least one or any combination of codes or instructions on a computer-readable medium, It can be integrated into computer program stuff.

The description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features presented herein.

Claims (15)

A computer program stored on a computer readable medium,
The computer program causes the computer to perform the following operations,
The operation includes:
Collecting customer identification data;
Quantifying the collection level of collected customer identification data by adding a weight based on the predetermined criteria to the collected customer identification data;
Evaluating an acquisition level of the customer identification data by determining whether the level of collection of the quantified customer identification data exceeds a predefined threshold; And
Generating consulting information based on the assessment at least in part, the consulting information comprising one of custom consulting information and standard consulting information;
/ RTI >
Computer program. The method according to claim 1,
The predetermined criterion for quantifying the collection level of the collected customer identification data may include:
The amount of collected customer identification data, the type of collected customer identification data, and the time of collecting customer identification data,
Computer program. The method according to claim 1,
The operation includes:
Collecting expert know-how data; And
Generating response information for a customer based on the collected customer identification data and expert know-how data;
≪ / RTI >
Computer program. The method of claim 3,
The response information includes:
The consulting method information of the customer, the customized consulting method information of the sales process, the customized consulting method information of the FC, the customized consulting method information of the FC, the descriptive information of the customized consulting information of the customer,
Computer program. 5. The method of claim 4,
Characteristics of FC Customized consulting method information,
(MBTI) test result, an evaluation for the FC including DISC test result and feedback information about the FC of the customer,
Computer program. The method according to claim 1,
The operation of generating the consulting information comprises:
Generating at a consulting difficulty level one of a plurality of consulting difficulty levels predetermined based at least in part on a received selection input;
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Computer program. The method according to claim 1,
The operation of generating the consulting information comprises:
Generating at least one consulting importance level of the predetermined consulting importance levels based at least in part on the received selection input;
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Computer program. The method according to claim 1,
The operation of generating the standard consulting information comprises:
Determining an uncollected portion of the customer's customer identification data;
Determining other customers having customer identification data having the highest degree of similarity with the customer identification data collected from the customer;
Averaging values of the non-collected portion of the customer identification data collected from the determined other customers; And
Determining the averaged customer identification data as a non-collected portion of the customer;
/ RTI >
Computer program. 9. The method of claim 8,
The act of determining the other customers includes:
Grouping customer identification data collected from customers into a plurality of groups based at least in part on a predetermined criteria; And
Selecting a group having the highest degree of similarity with the customer identification data of the customer among the grouped plurality of groups;
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Computer program. The method according to claim 1,
The operation of generating one of the custom consulting information and the standard consulting information is:
Generating a customer list that does not exceed a threshold value so that the FC can additionally input customer identification data; And
Transmitting the generated customer list information to the corresponding FC terminal;
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Computer program. The method according to claim 1,
The consulting information,
Provided in the form of at least one of text, image, audio, and video based at least in part on the importance of the proposal and the content of the proposal,
Computer program. The method according to claim 1,
The operation includes:
Evaluating the level of collection of customer identification data in response to a change in customer identification data and generating one of updated customized consulting information and updated standard consulting information based at least in part on the changed rating;
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Computer program. As a financial server,
A database for collecting customer identification data and expert know-how data;
Quantifying the collection level of the collected customer identification data by adding a weight based on the predetermined criterion to the collected customer identification data and determining whether the collection level of the quantified customer identification data exceeds a predefined threshold value A processor for evaluating an acquisition level of the customer identification data to generate one of customized consulting information and standard consulting information according to the collection level and generating response information for the customer based on the collected expert know-how data; And
A transmitting unit for transmitting the generated consulting information and the generated response information to a corresponding FC terminal;
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Financial server. 14. The method of claim 13,
In addition,
Generating at least one of custom consulting information and standard consulting information based on at least one technique of a forward chaining technique and a backward chaining technique,
Financial server. As a user terminal,
An input unit for collecting customer identification data and expert know-how data;
Quantifying the collection level of the collected customer identification data by adding a weight based on the predetermined criteria to the collected customer identification data and determining whether the collection level of the quantified customer identification data exceeds a predefined threshold value A receiving unit for receiving the consulting information, the consulting information being generated based at least in part on the evaluation, the consulting information including one of customized consulting information and standard consulting information ;
An output unit for outputting the generated consulting information and the generated response information;
/ RTI >
User terminal.

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