RU100649U1 - BANK CAPITALIZATION ASSESSMENT SYSTEM - Google Patents

Abstract

 1. A system for assessing the bank's capitalization, containing a means of receiving data on the current price of assets, characterized in that a unit for assessing profit from cash balances on bank cards, a unit for assessing profit from servicing bank cards, and a unit for assessing profit from servicing payments for third-party services are introduced organizations and the unit for assessing profits from the sale of licenses, the inputs of which are connected to the output of the means for receiving data on bank cards with the remote reading function, as well as the unit for evaluating the additional capitalization of the bank, first, in the second, the third and fourth inputs of which are connected to the outputs, respectively, of the unit for evaluating the profit from servicing bank cards, the unit for evaluating the profit from servicing bank cards, the unit for evaluating the profit from servicing payments for services of third-party organizations, and the means for receiving data on bank cards with the function remote reading, and a unit for assessing the growth of the status of the bank, the first and second inputs of which are connected to the outputs, respectively, of the unit for assessing the growth of the status of the bank and the unit for evaluating the profit from the sale of licenses. ! 2. The system according to claim 1, characterized in that the unit for evaluating the profit from cash balances on bank cards, the unit for evaluating the profit from servicing bank cards, the unit for evaluating the profit from servicing payments for services of third-party organizations and the unit for evaluating the profit from the sale of licenses in the form multipliers. ! 3. The system according to claim 1, characterized in that the unit for evaluating the additional capitalization of the bank and the unit for evaluating the growth of the status of the bank are made in the form of adders of parallel action with weighted inputs.

Description

The utility model relates to the field of data processing for special applications and can be used to build systems designed to study the impact on the bank's financial indicators (profit, capitalization, strategic benefits and status) of the acquired pool of patents for bank cards with the remote reading function, as a single property complex, taking into account the prospects for its use.

A known system comprising an information processing device including identification information elements, identification information output means, a comparison unit, selective reception means, and also first and second data processing units with corresponding connections [RU 2236703, C2, G06F 19/00, 09/20/2004 ].

The disadvantage of the system is the relatively narrow functionality.

Closest to the proposed solution is a technical solution containing a unit for generating data on private transactions, made in the form of a means of receiving data on a specific asset, on the type of option, on the strike price on a specific asset, on the current price of a specific asset, on the spread in the price of a specific asset over time quotes and the required guarantee fee for a particular asset, data storage medium of data receiving means and an algorithm for calculating an urgent option premium, means of generating data on an option premium for of a fixed-term option for an asset by means of an algorithm for calculating a premium of an urgent option upon receipt of data of the said receiving means and means of outputting data on the option premium for conducting a transaction on an unlimited option [RU 2176817, C2, G06F 17/60, 10.12.2001].

The disadvantage of the closest technical solution is the relatively narrow functionality, since the known technical solution allows the assessment of derivatives on transactions that relate to transaction agreements. However, this approach does not allow assessing the impact on the bank's financial indicators (profit, capitalization, strategic benefits and status) of its acquired pool of patents for bank cards with the remote reading function, as a single property complex, taking into account the prospects for its use i.e. It does not allow to assess the degree of increase in bank capitalization.

The required technical result is to expand the functionality.

The required technical result is achieved by the fact that, in a system containing a means of receiving data on bank cards with a remote reading function, a block has been introduced for evaluating the profit from cash balances on bank cards, a unit for evaluating the profit from servicing bank cards, a unit for evaluating the profit from servicing payments for services third-party organizations and the unit for evaluating profits from the sale of licenses, the inputs of which are connected to the output of the means for receiving data on bank cards with the remote reading function, as well as the unit for evaluating bank capitalization, the first, second, third and fourth inputs of which are connected to the outputs, respectively, of the unit for assessing profits from cash balances on bank cards, the unit for assessing profits from servicing bank cards, the unit for assessing profits from servicing payments for services of third-party organizations and means of acceptance data on bank cards with a remote reading function, and a bank status growth assessment unit, the first and second inputs of which are connected to the outputs, respectively, of a bank status growth assessment unit and a profit assessment unit and from the sale of licenses.

In addition, the required technical result is achieved by the fact that, a unit for evaluating the profit from cash balances on bank cards, a unit for evaluating the profit from servicing bank cards, a unit for evaluating the profit from servicing payments for services of third-party organizations, and a unit for evaluating the profit from the sale of licenses in the form of multipliers.

In addition, the required technical result is achieved by the fact that the unit for assessing the additional capitalization of the bank and the unit for assessing the growth of the status of the bank are made in the form of adders of parallel action with weighted inputs.

The drawing shows a functional diagram of a system for assessing bank capitalization.

The system for assessing bank capitalization comprises a means 1 for receiving data on bank cards with a remote reading function, a unit 2 for assessing profits from cash balances on bank cards, a unit 3 for assessing profits from servicing bank cards, a unit for estimating profit from servicing payments for services of third-party organizations, and block 5 profit assessment from the sale of licenses, the inputs of which are connected to the output of the means 1 for receiving data on bank cards with the remote reading function.

In addition, the system for assessing bank capitalization contains a block 6 for assessing additional capitalization of the bank, the first, second, third and fourth inputs of which are connected to the outputs, respectively, of block 2 for assessing profit from cash balances on bank cards, and for block 3 for assessing profit from servicing bank cards , block 4 estimates of profit from servicing payments for services of third-party organizations and means 1 for receiving data on bank cards with the remote reading function.

The system for assessing bank capitalization also contains a block 7 for assessing the growth of the status of the bank, the first and second inputs of which are connected to the outputs, respectively, of block 6 for assessing the growth of the status of the bank and block 5 for assessing the profit from the sale of licenses.

System blocks for assessing bank capitalization are standard elements of specialized computing devices. For example, as will be shown below, means 1 can be made in the form of a group of RAM elements, blocks 2, 3, 4, and 5 in a particular case can be made in the form of a group of multipliers, and blocks 6 and 7 in the form of parallel adders with weighted inputs.

The system of increasing the bank's capitalization works as follows.

The system is designed to evaluate the financial performance of a bank after acquiring a pool of patents for bank cards with a remote reading function, which can be used to assess the degree of increase in bank capitalization.

A bank card with the remote reading function can be made in the form of a solid base with a storage medium and non-reprogrammable or reprogrammable with a microchip or a magnetic layer on which a digital code is applied. In addition, a bank card with a remote reading function also contains a passive radio frequency smart identifier tag with an additional digital code. As a reader (reader of remote access information), a reader can be used that provides radio frequency identification of smart identifier tags [Networks and communication systems. No. 14 (134), 2005, p. 47, http://www.ccc.ru]. As radio frequency smart identifier tags, mainly passive smart tags can be used that receive energy from electromagnetic signals coming from the readers. In some applications, semi-active smart tags can be used as radio frequency smart tags, which differ from passive smart tags by the built-in power supply, and the semi-active smart tag identification code is transmitted only if the tag receives an activation signal from an authorized reader.

This makes it possible to provide additional functions using such a card.

For example, in some cases it is advisable to be able to contactlessly (remotely) read information, for example, about the arrival of an individual and prompt automatic call of the necessary information from computer databases.

In the field of security of an individual, society and state:

- ensuring personal and public safety at any infrastructure facilities, including all modes of transport;

- the ability to proactively respond to the emergence and movement of criminally individualized individuals;

- combination with video surveillance systems;

- information on military duty, conditional (early) release, migration characteristics of a person, etc .;

- a package of information about the individual medical data of an individual to provide priority medical care. In the field of transport services and other mass services:

- sound plans for the development of all types of transport and public services based on reliable information about the real dynamics of the flows of distributed individuals;

- Intelligent road infrastructure (“smart road signs”, “smart stops”, warning systems for traffic accidents and traffic difficulties.

Suppose that a credit institution has formed (developed) or acquired a pool of patents for bank cards with a remote reading function, which allows you to create a basic asset to attract financial resources for investment purposes. Such a package of patents in the form of an intellectual intangible asset (intangible asset) may become the basis for subsequent financial transactions.

Data on the acquisition cost or development costs of each of the patents, the number of bank cards with the remote reading function are fed to the inputs of means 1, made, for example, as a group of RAM elements.

Corresponding data from funds 1 are received in block 2 for assessing profits from cash balances on bank cards, block 3 for assessing profits from servicing bank cards, block 4 for assessing profits from servicing payments for services of third-party organizations and block 5 for assessing profits from selling licenses the simplest case in the form of multipliers.

This allows you to evaluate the profit from cash balances on bank cards, the profit from servicing bank cards, the profit from servicing payments for services of third-party organizations, and the profit from the sale of licenses by average indicators.

In block 6 for assessing the additional capitalization of the bank (made in the simplest case in the form of a parallel adder with weighted inputs), the first, second, third, and fourth inputs of which are connected to the outputs, respectively, of block 2 for assessing profit from bank card balances, block 3 for evaluating profit from servicing bank cards, block 4 for assessing profit from servicing payments for services of third-party organizations and means 1 for receiving data on bank cards with the remote reading function, the average indicators are estimated s capitalization as a weighted sum of input signals. At the same time, data proportional to the corresponding profit values is received from blocks 2,3 and 4, and data proportional to the estimates of bank cards as intangible assets of the bank is received from blocks 1.

The data obtained in blocks 5 and 6 are fed to the input of block 7, made in the form of a parallel adder with weighted inputs, in which the growth indicator of the status of the bank is estimated.

Consider an example.

The permanent population of the Russian Federation will be 142 million people.

Suppose a large bank holds about 50% of the private deposit market. We will accept the future share of the bank in the market of owners of social bank cards with the remote reading function (social RFID card) of 60 million people, and we will accept an irreducible average annual balance on one social RFID card in the amount of 5,000 rubles.

As a result, an irreducible average annual balance in the amount of RUB 300,000,000,000 will be added to the bank accounts, i.e. 300 billion rubles, which corresponds, for example, to 7.7% of the available funds of individuals in accounts with Sberbank of Russia. This is “long” money that allows you to use it for long-term investments (issuing mortgage loans, long-term investment projects of infrastructure type (oil, gas, hydroelectric power stations, nuclear power plants, mobile communications, computer networks, etc.), investments in securities, etc.) . If you have an annual income of $ 10 billion in the amount of 8.8% per annum, then the bank’s annual income from this amount will be $ 880,000,000. If you have an income per year from 300 billion rubles. in the amount of 13.25% per annum, then the annual income of the bank from this amount will be 39.75 billion rubles. For five years, respectively, the bank's income will amount to 198.75 billion rubles. about 6.625 billion US dollars.

An investment by a bank of additional financial resources received in corporate securities will bring an annual income of 1.2 billion rubles. or 4,000,000,000 dollars with an investment of 300 billion rubles. at 40% per annum.

Profit from operations on servicing a social RFID card (for example, at current rates on the SBERCARD card) for annual service: 1st year - 300 rubles. × 60 million people = 18,000,000,000 rubles., From the 2nd year - 150 rubles. × 60 million people = 9000000000 rub. in year. For five years, the bank’s income will amount to 54 billion rubles.

The bank can receive additional income for operations on servicing payments for housing and communal services and other services (we will accept a commission of 1% of the payment amount, the average payment amount is 2500 rubles per month for one apartment where 2 people live). Then 60 million people: 2-30 million apartments, 30 million apartments × 2500 rubles. × 12 months = 900000000000 rub., 1% of 900000000000 rub. = 900000000 rub.

We will evaluate the additional capitalization of the bank due to the influx of money into accounts (excluding the charging of a commission for payment of housing and communal services and other services). Total additional income (in the first year) 39.75 billion rubles. + 18000000000 rub. = 5,775,000,000 rubles. For five years, respectively, the total additional income of the Bank of Russia will amount to 198.75 billion rubles. + 54000000000 rub. = 25.275 billion rubles, which corresponds to 84.25 billion US dollars.

Capitalization growth for the year 57.75 billion rubles / 0.1325 = 435849056603 rubles, which is equal to 14.5 billion US dollars.

An additional increase in capitalization due to an increase in the bank’s assets, taking into account the value of property put on the balance sheet (the cost of the pool of patents for RFID transactions plus the cost of additional equipment for servicing social RFID cards). The value of this property, calculated on an increase in the bank’s total assets, can be multiplied (2–20 times) by revaluing intangible assets in the form of a “pool of patents for RFID transactions” when transferring it to the bank’s subsidiary or forming a single tangible asset (based on adding the cost of the “pool of patents for RFID transactions” to the cost of equipment for servicing social RFID cards) and its revaluation when transferring it to the “daughter of the bank”.

Additional strategic benefits of the bank arise from the possibility of obtaining additional income from the sale of licenses for the use of the patent pool for RFID transactions to other commercial banks wishing to join the social RFID card service system implemented by the bank on the basis of the patent pool for RFID transactions.

Considering that the bank implements the policy of acquiring and mass replacing electronic payment terminals of the instant payment system with bank ATMs, this will dramatically expand the boundaries of the client base with social RFID cards, i.e. the number of bank customers using social RFID cards will increase, for example , from 60 million people to 80-90 million people.

It is also possible to put forward an additional condition of the bank to other commercial banks wishing to join the service system of social RFID cards, for example, the requirement to open correspondent accounts in the bank for interbank settlements on operations with social RFID cards.

Based on the above benefits and advantages obtained as a result of servicing social RFID cards, it significantly increases its status, breaking away from other banks in general and specialized competitiveness.

Based on the business model of the bank’s development described above, relying on the pool of patents for social RFID cards, a qualitatively new model is being formed: (a) growth in the capitalization of the banking system; (b) the growth of capitalization of the economy; (c) increasing the country's economic growth indicators, including an increase in GDP; (d) an increase in the rating and importance of the country and its leadership in the global system of geopolitical coordinates.

By changing the initial data and the values of the weighting coefficients of the device blocks, it becomes possible to carry out appropriate assessments and simulate various situations in the credit and financial sphere.

As follows from the above, due to the improvement of the known technical solution, the required technical result is achieved, which consists in expanding the functionality, since when the output signal of the system is formed, it depends not only on derivatives on transactions, but also on changes in the bank's financial indicators.

Claims (3)

1. A system for assessing the bank's capitalization, containing a means of receiving data on the current price of assets, characterized in that a unit for assessing profit from cash balances on bank cards, a unit for assessing profit from servicing bank cards, and a unit for assessing profit from servicing payments for third-party services are introduced organizations and the unit for assessing profits from the sale of licenses, the inputs of which are connected to the output of the means for receiving data on bank cards with the remote reading function, as well as the unit for evaluating the additional capitalization of the bank, first, in the second, the third and fourth inputs of which are connected to the outputs, respectively, of the unit for evaluating the profit from servicing bank cards, the unit for evaluating the profit from servicing bank cards, the unit for evaluating the profit from servicing payments for services of third-party organizations, and the means for receiving data on bank cards with the function remote reading, and a unit for assessing the growth of the status of the bank, the first and second inputs of which are connected to the outputs, respectively, of the unit for assessing the growth of the status of the bank and the unit for evaluating the profit from the sale of licenses. 2. The system according to claim 1, characterized in that the unit for evaluating the profit from cash balances on bank cards, the unit for evaluating the profit from servicing bank cards, the unit for evaluating the profit from servicing payments for services of third-party organizations and the unit for evaluating the profit from the sale of licenses in the form multipliers. 3. The system according to claim 1, characterized in that the unit for evaluating the additional capitalization of the bank and the unit for evaluating the growth of the status of the bank are made in the form of adders of parallel action with weighted inputs.