TWI749938B - Scoring system and method for financial operation - Google Patents

Scoring system and method for financial operation Download PDF

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TWI749938B
TWI749938B TW109142880A TW109142880A TWI749938B TW I749938 B TWI749938 B TW I749938B TW 109142880 A TW109142880 A TW 109142880A TW 109142880 A TW109142880 A TW 109142880A TW I749938 B TWI749938 B TW I749938B
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financial product
amount
financial
customer identification
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TW202223812A (en
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李柏憲
趙麒合
蕭伊珮
李泓毅
蔡宜真
林承翰
黃亭勳
彭怡娟
周芷維
林姿均
陳芸襄
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玉山商業銀行股份有限公司
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Abstract

A Scoring System for Financial Operation includes a database server and a computing server. The computing server is electrically connected to the database server to access the database server, and according to financial product data, generates a distribution ratio data corresponding to the customer identification data corresponding to the financial product data. The distribution ratio data includes multiple amounts corresponding to the amount of the financial product data, and each amount ratio is the corresponding amount in the sum of the amounts of the financial product data proportion. The computing server generates multiple investment scores corresponding to the customer identification data based on weight values and the distribution ratio data.

Description

金融操作評分系統及方法Financial operation scoring system and method

本發明是有關於金融操作的評分，特別是指一種金融操作評分系統及方法。The invention relates to the scoring of financial operations, in particular to a financial operation scoring system and method.

目前的銀行機構大多有相當多個客戶，而每個客戶與銀行的往來紀錄、所持有的金融商品、存款金額、信用卡慣常的刷卡金額皆不盡相同。Most of the current banking institutions have quite a few customers, and each customer's transaction records with the bank, the financial products held, the amount of deposits, and the usual credit card amount of credit cards are all different.

因此，如何根據客戶的金融操作給出相對應的評分，遂成為本案所欲探討的主題。Therefore, how to give a corresponding score based on the customer's financial operations has become the subject of this case.

因此，本發明的目的，即在提供一種金融操作評分系統，其能針對客戶的金融操作產生出對應該客戶的評分。Therefore, the purpose of the present invention is to provide a financial operation scoring system, which can generate a score corresponding to the customer's financial operation.

於是，本發明之一種金融操作評分系統包含一資料庫伺服器及一運算伺服器。該資料庫伺服器儲存多個客戶識別資料、分別對應該等客戶識別資料的多個持有金融商品資料、多個金融商品類別，及分別對應該等金融商品類別的多個權重值，每一持有金融商品資料包含分別對應於該等金融商品類別的多筆金額。該運算伺服器連接該資料庫伺服器，以存取該資料庫伺服器，並根據每一持有金融商品資料，產生一對應於該持有金融商品資料所對應的該客戶識別資料的金額分配比例資料，該金額分配比例資料包含多個分別對應於該持有金融商品資料的該等金額的金額占比，每一金額占比為對應之該金額於該持有金融商品資料的該等金額的總和中的比例。該運算伺服器根據該等權重值及該等金額分配比例資料，產生多個分別對應於該等客戶識別資料的投資評分，每一投資評分為對應於相同的該客戶識別資料的該金額分配比例資料的該等金額占比分別乘以對應於相同的金融商品類別的該等權重值後的總和。Therefore, a financial operation scoring system of the present invention includes a database server and an arithmetic server. The database server stores multiple customer identification data, multiple held financial product data corresponding to the customer identification data, multiple financial product categories, and multiple weight values corresponding to the financial product categories. The held financial product data contains multiple amounts corresponding to these financial product categories. The computing server is connected to the database server to access the database server, and according to each held financial product data, generates an amount distribution corresponding to the customer identification data corresponding to the held financial product data Proportion data, the amount distribution ratio data includes multiple amounts corresponding to the amount of the holding financial product data, and each amount is the amount corresponding to the amount of the holding financial product data The proportion of the sum. The computing server generates multiple investment scores corresponding to the customer identification data according to the weight values and the amount distribution ratio data, and each investment score corresponds to the amount distribution ratio corresponding to the same customer identification data The proportion of the amount of the data is multiplied by the sum of the weight values corresponding to the same financial product category.

在一些實施態樣中，該資料庫伺服器還儲存分別對應該等金融商品類別的多個商品評價分數；該資料庫伺服器所儲存的該等權重值是該運算伺服器根據該等商品評價分數而產生的，每一權重值為對應於同一金融商品類別的該商品評價分數於該等商品評價分數的總和中的比例。In some implementation aspects, the database server also stores a plurality of product evaluation scores corresponding to the financial product categories; the weight values stored by the database server are based on the evaluation of the products by the computing server Each weight value is the ratio of the product evaluation score corresponding to the same financial product category to the sum of the product evaluation scores.

在一些實施態樣中，該運算伺服器根據該等投資評分及多個百分等級範圍產生多個分別對應於該等百分等級範圍的群組資料，每一群組資料包含該等客戶識別資料其中對應之投資評分落在對應之百分等級範圍者。In some implementation aspects, the computing server generates a plurality of group data corresponding to the percentage level ranges according to the investment scores and the multiple percentage level ranges, and each group data includes the customer identifications. Among the data, the corresponding investment score falls within the corresponding percentage rank range.

於是，本發明之另一目的在於，提供一種金融操作評分方法，藉由一金融操作評分系統執行，該金融操作評分系統包含一運算伺服器及連結該運算伺服器的一資料庫伺服器，該資料庫伺服器存有分別對應多個金融商品類別的多個商品評價分數、多個客戶識別資料，及分別對應該等客戶識別資料的多個持有金融商品資料，每一持有金融商品資料包含分別對應該等金融商品類別的多筆金額。Therefore, another object of the present invention is to provide a financial operation scoring method, which is implemented by a financial operation scoring system. The financial operation scoring system includes an arithmetic server and a database server connected to the arithmetic server. The database server stores multiple product evaluation scores corresponding to multiple financial product categories, multiple customer identification data, and multiple holding financial product data corresponding to the customer identification data, each holding financial product data Contains multiple amounts corresponding to these financial commodity categories.

該金融操作評分方法包含：(A)該運算伺服器根據該等商品評價分數，產生多個分別對應該等金融商品類別的權重值，每一權重值為對應於同一金融商品類別的該商品評價分數於該等商品評價分數的總和中的比例；(B)該運算伺服器根據每一持有金融商品資料，產生一對應於該持有金融商品資料所對應的該客戶識別資料的金額分配比例資料，該金額分配比例資料包含多個分別對應於該持有金融商品資料的該等金額的金額占比，每一金額占比為對應之該金額於該持有金融商品資料的該等金額的總和中的比例；及(C)該運算伺服器根據該等權重值及該等金額分配比例資料，產生多個分別對應於該等客戶識別資料的投資評分，每一投資評分為對應於相同的該客戶識別資料的該金額分配比例資料的該等金額占比分別乘以對應於相同的金融商品類別的該等權重值後的總和。The financial operation scoring method includes: (A) The computing server generates a plurality of weight values corresponding to the financial product categories according to the product evaluation scores, and each weight value corresponds to the product evaluation of the same financial product category The ratio of the score to the sum of the product evaluation scores; (B) The calculation server generates an amount distribution ratio corresponding to the customer identification data corresponding to the financial product data based on each financial product data held Data, the amount distribution ratio data includes a plurality of amounts corresponding to the amount of the holding financial product data, and each amount ratio is the amount corresponding to the amount of the holding financial product data. (C) The calculation server generates multiple investment scores corresponding to the customer identification data according to the weight values and the amount distribution ratio data, and each investment score corresponds to the same The sum of the proportions of the amounts of the amount distribution ratio data of the customer identification data are respectively multiplied by the weight values corresponding to the same financial product category.

本發明的功效在於：本發明之金融操作評分系統藉由該運算伺服器根據該等商品評價分數計算出該等權重值，及根據該等金融商品資料計算出該等金額分配比例資料，並進而根據該等權重值及該等金額分配比例資料計算出該等投資評分，此外，該運算伺服器根據該等投資評分及該等百分等級範圍產生該等群組資料。The effect of the present invention is that the financial operation scoring system of the present invention uses the computing server to calculate the weight values based on the product evaluation scores, and calculates the amount distribution ratio data based on the financial product data, and then The investment scores are calculated based on the weight values and the amount distribution ratio data. In addition, the computing server generates the group data based on the investment scores and the percentage rank range.

在本發明被詳細描述之前，應當注意在以下的說明內容中，類似的元件是以相同的編號來表示。Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same numbers.

參閱圖1，本發明之金融操作評分系統的一實施例，包含一資料庫伺服器10及一運算伺服器20，本發明之實施例適用於針對銀行機構的客戶進行分析，以計算出對應於每一客戶的評分。Referring to Figure 1, an embodiment of the financial operation scoring system of the present invention includes a database server 10 and an arithmetic server 20. The embodiment of the present invention is suitable for analyzing customers of banking institutions to calculate the corresponding The score of each customer.

於此實施例中，該資料庫伺服器10歸屬於一銀行機構，並儲存多個客戶識別資料、分別對應該等客戶識別資料的多個持有金融商品資料、多個金融商品類別、分別對應該等金融商品類別的多個權重值，及分別對應該等金融商品類別的多個商品評價分數。每一持有金融商品資料包含分別對應於該等金融商品類別的多筆金額。In this embodiment, the database server 10 belongs to a banking institution, and stores a plurality of customer identification data, a plurality of holding financial product data corresponding to the customer identification data, a plurality of financial product categories, respectively It should wait for multiple weight values of financial product categories and multiple product evaluation scores corresponding to these financial product categories. Each held financial product data contains multiple amounts corresponding to these financial product categories.

更明確地說，每一客戶識別資料例如包含但不限於一對應客戶的身分證字號，每一持有金融商品資料例如為包含該對應客戶當前存款的金額、持有的股票的金額、持有的基金的金額、持有的外幣的金額、當前購買的保險的金額，及以信用卡消費的金額，但不以上述為限。而該等金融商品類別例如為存款、理財、保險、信用卡等，並且，每一商品評價分數所指示的分數表現出所對應的該金融商品類別當前的趨勢，更進一步地說，每一商品評價分數是以市場趨勢及行內交易趨勢所計算出的，舉例而言，市場趨勢及行內交易趨勢皆可例如為「極好」、「好」、「普通」、「差」及「極差」等五種階級表示，而對應上述五種階級的分數則例如分別為5分、4分、3分、2分、1分，若目前存款的利息有調升的趨勢，則存款的市場趨勢便可被評為「普通」，而若是在該銀行機構內，多數客戶也都積極存款，則該銀行機構對於存款的行內交易趨勢便可被評為「好」，如此一來，對應於存款的市場趨勢的評分便是3分、對應於存款的行內交易趨勢的評分便是4分，在此實施例中，商品評價分數的計算方式是以市場趨勢的評分與行內交易趨勢的評分相乘，因此，對應於存款的該商品評價分數為12分。More specifically, each customer identification data includes, but is not limited to, a corresponding customer’s ID number, and each financial product information includes, for example, the corresponding customer’s current deposit amount, the amount of stocks held, and The amount of the fund, the amount of foreign currency held, the amount of insurance currently purchased, and the amount of credit card consumption, but not limited to the above. The financial product categories are, for example, deposits, wealth management, insurance, credit cards, etc., and the score indicated by each product evaluation score shows the current trend of the corresponding financial product category. Furthermore, each product evaluation score Calculated based on market trends and intra-bank trading trends. For example, both market trends and intra-bank trading trends can be, for example, "excellent", "good", "normal", "bad" and "very bad" The five levels are indicated, and the scores corresponding to the above five levels are, for example, 5 points, 4 points, 3 points, 2 points, and 1 point respectively. If the interest rate of deposits is currently increasing, the market trend of deposits will be Can be rated as "normal", and if most customers are actively depositing in the banking institution, then the banking institution’s in-bank transaction trend for deposits can be rated as "good". In this way, it corresponds to the deposit The score of market trend is 3 points, and the score corresponding to the intra-bank transaction trend of deposits is 4 points. In this embodiment, the product evaluation score is calculated based on the score of market trend and the score of intra-bank transaction trend. Multiply, therefore, the product evaluation score corresponding to the deposit is 12 points.

接著，參閱圖1及圖2，以下說明本實施例如何針對該等持有金融商品資料執行之一評分及分組程序，該評分及分組程序包含步驟S1至S4。Next, referring to FIG. 1 and FIG. 2, the following describes how this embodiment performs a scoring and grouping procedure for the holding financial product data. The scoring and grouping procedure includes steps S1 to S4.

首先，於步驟S1中，該運算伺服器20根據該等商品評價分數，產生多個分別對應該等金融商品類別的權重值，每一權重值為對應於同一金融商品類別的該商品評價分數於該等商品評價分數的總和中的比例。First, in step S1, the computing server 20 generates a plurality of weight values corresponding to the financial product categories according to the product evaluation scores, and each weight value corresponds to the product evaluation score of the same financial product category. The ratio of the sum of the evaluation scores of these products.

以下表(一)舉例說明：   市場趨勢 行內交易狀況 商品評價分數 權重值 存款 3 4 12 30% 理財 2 5 10 25% 保險 3 2 6 15% 信用卡 3 4 12 30%   總和：40 100% The following table (1) illustrates: market trend Intrabank transaction status Product evaluation score Weights deposit 3 4 12 30% Financial management 2 5 10 25% insurance 3 2 6 15% credit card 3 4 12 30% Total: 40 100%

在算出每一商品評價分數後，根據該等商品評價分數計算出該總和，以上表為例，該總和為40，並將每一商品評價分數於該總合中占有的比例，設定為對應該商品評價分數所對應的該金融商品類別的該權重值。After calculating the evaluation scores of each product, calculate the total according to the evaluation scores of the products. Take the above table as an example, the total is 40, and set the proportion of each product evaluation score in the total to correspond to The weight value of the financial product category corresponding to the product evaluation score.

而於步驟S2中，該運算伺服器20根據每一持有金融商品資料，產生一對應於該持有金融商品資料所對應的該客戶識別資料的金額分配比例資料，該金額分配比例資料包含多個分別對應於該持有金融商品資料的該等金額的金額占比，每一金額占比為對應之該金額於該持有金融商品資料的該等金額的總和中的比例。In step S2, the arithmetic server 20 generates an amount allocation ratio data corresponding to the customer identification data corresponding to the holding financial product data according to each holding financial product data, and the amount allocation ratio data contains multiple information. A proportion of the amounts respectively corresponding to the amounts of the held financial product data, and each amount proportion is the proportion of the corresponding amount to the sum of the amounts of the held financial product data.

特別說明的是，上述執行步驟S1及步驟S2的順序僅為示例性地說明，並不以上述為限，在其他實施態樣中，也可以是先執行步驟S2再接著執行步驟S1，也就是，在執行步驟S3之前，已執行過步驟S1及步驟S2即可。In particular, the order of performing step S1 and step S2 described above is only illustrative, and not limited to the above. In other embodiments, step S2 may be performed first and then step S1 may be performed, that is, Before step S3 is executed, step S1 and step S2 have been executed.

接著，於步驟S3中，該運算伺服器20根據該等權重值及該等金額分配比例資料，產生多個分別對應於該等客戶識別資料的投資評分，每一投資評分為對應於相同的該客戶識別資料的該金額分配比例資料的該等金額占比分別乘以對應於相同的金融商品類別的該等權重值後的總和。Then, in step S3, the calculation server 20 generates a plurality of investment scores corresponding to the customer identification data according to the weight values and the amount distribution ratio data, and each investment score corresponds to the same The sum of the proportion of the amount of the amount distribution ratio data of the customer identification data is respectively multiplied by the weight values corresponding to the same financial product category.

承接上表一所舉的例子，若對應該目標客戶的該金額分配比例所包含的金額占比為存款50%、理財50%、保險0%、信用卡0%，因此，該目標客戶的該投資評分即為存款的金額占比50%乘以存款的權重值30%+理財的金額占比50%乘以理財的權重值25%，即為0.275。藉此，便能夠計算出分別於對應該等客戶識別資料的該等投資評分。Continuing the example given in Table 1, if the proportion of the amount included in the allocation ratio for the target customer is 50% for deposits, 50% for wealth management, 0% for insurance, and 0% for credit cards, therefore, the target customer’s investment The score is 50% of the deposit amount multiplied by 30% of the deposit weight value + 50% of the wealth management amount multiplied by 25% of the wealth management weight value, which is 0.275. In this way, the investment scores corresponding to the customer identification data can be calculated.

更進一步地說，再分別計算出該等投資評分後，參閱步驟S4，該運算伺服器20可以再根據該等投資評分，及多個百分等級範圍產生多個分別對應於該等百分等級範圍的群組資料，每一群組資料包含該等客戶識別資料其中對應之投資評分落在對應之百分等級範圍者。Furthermore, after calculating the investment scores separately, referring to step S4, the computing server 20 can generate a plurality of corresponding to the percentage levels according to the investment scores and the multiple percentage level ranges. Range of group data, each group data includes the customer identification data in which the corresponding investment score falls within the corresponding percentage level range.

舉例來說，該等百分等級範圍例如為99%~70%、69%~40%，及39%~0%，藉以產生出三個群組資料，而每一群組資料分別包含落入該等百分等級範圍其中一者的該等客戶識別資料。For example, the percentage levels are 99%~70%, 69%~40%, and 39%~0%, so that three groups of data are generated, and each group of data includes data that fall into The customer identification data for one of the percentile grade ranges.

除此之外，該運算伺服器20在產生出該等群組資料後，能將該等群組資料提供給該銀行機構內部用於行銷的伺服器(圖未示)，供該伺服器例如分別對該等群組資料進行不同的行銷資訊的推播。In addition, after the computing server 20 generates the group data, it can provide the group data to the internal marketing server (not shown) of the banking institution for the server such as Push and broadcast different marketing information to these group data respectively.

綜上所述，本發明之金融操作評分系統藉由該運算伺服器20根據該等商品評價分數計算出該等權重值，及根據該等金融商品資料計算出該等金額分配比例資料，並進而根據該等權重值及該等金額分配比例資料計算出該等投資評分，此外，該運算伺服器20根據該等投資評分及該等百分等級範圍產生該等群組資料，故確實能達成本發明的目的。In summary, the financial operation scoring system of the present invention uses the computing server 20 to calculate the weight values based on the product evaluation scores, and calculates the amount distribution ratio data based on the financial product data, and then The investment scores are calculated based on the weight values and the amount distribution ratio data. In addition, the computing server 20 generates the group data based on the investment scores and the percentage rank range, so the cost can be achieved. The purpose of the invention.

惟以上所述者，僅為本發明的實施例而已，當不能以此限定本發明實施的範圍，凡是依本發明申請專利範圍及專利說明書內容所作的簡單的等效變化與修飾，皆仍屬本發明專利涵蓋的範圍內。However, the above are only examples of the present invention. When the scope of implementation of the present invention cannot be limited by this, all simple equivalent changes and modifications made in accordance with the scope of the patent application of the present invention and the content of the patent specification still belong to Within the scope covered by the patent of the present invention.

10:資料庫伺服器 20:運算伺服器 S1~S4:步驟 10: Database server 20: Computing server S1~S4: steps

本發明的其他的特徵及功效，將於參照圖式的實施方式中清楚地呈現，其中： 圖1是本發明之金融操作評分系統的一實施例的一方塊圖；及 圖2是該實施例執行之一評分及分組程序的一流程圖。 Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a block diagram of an embodiment of the financial operation scoring system of the present invention; and Fig. 2 is a flowchart of a scoring and grouping procedure performed by this embodiment.

10:資料庫伺服器 10: Database server

20:運算伺服器 20: Computing server

Claims (4)

一種金融操作評分方法，藉由一金融操作評分系統執行，該金融操作評分系統包含一運算伺服器及連結該運算伺服器的一資料庫伺服器，該資料庫伺服器存有分別對應多個金融商品類別的多個商品評價分數、多個客戶識別資料，及分別對應該等客戶識別資料的多個持有金融商品資料，每一持有金融商品資料包含分別對應該等金融商品類別的多筆金額，該金融操作評分方法包含：(A)該運算伺服器根據該等商品評價分數，產生多個分別對應該等金融商品類別的權重值，每一權重值為對應於同一金融商品類別的該商品評價分數於該等商品評價分數的總和中的比例，其中，該等商品評價分數每一者的計算方式是以所對應之市場趨勢的評分與行內交易趨勢的評分相乘；(B)該運算伺服器根據每一持有金融商品資料，產生一對應於該持有金融商品資料所對應的該客戶識別資料的金額分配比例資料，該金額分配比例資料包含多個分別對應於該持有金融商品資料的該等金額的金額占比，每一金額占比為對應之該金額於該持有金融商品資料的該等金額的總和中的比例；及(C)該運算伺服器根據該等權重值及該等金額分配比例資料，產生多個分別對應於該等客戶識別資料的投資評分，每一投資評分為對應於相同的該客戶識別資料的該金額分配比例資料的該等金額占比分別乘以對應於 相同的金融商品類別的該等權重值後的總和。 A financial operation scoring method is implemented by a financial operation scoring system. The financial operation scoring system includes an arithmetic server and a database server connected to the arithmetic server. The database server stores a plurality of financial operations corresponding to each other. Multiple product evaluation scores of the commodity category, multiple customer identification data, and multiple holding financial product data corresponding to the customer identification data, each holding financial product data contains multiple records corresponding to the financial product category The financial operation scoring method includes: (A) The computing server generates a plurality of weight values corresponding to the financial product categories according to the product evaluation scores, and each weight value corresponds to the same financial product category. The ratio of the product evaluation score to the sum of the product evaluation scores, where each of the product evaluation scores is calculated by multiplying the score of the corresponding market trend and the score of the trade trend in the industry; (B) The computing server generates an amount allocation ratio data corresponding to the customer identification data corresponding to the holding financial product data according to each holding financial product data, and the amount allocation ratio data includes a plurality of information corresponding to the holding financial product data. The proportion of the amount of the amount of the financial product data, and the proportion of each amount is the proportion of the corresponding amount to the sum of the amounts of the financial product data; and (C) the calculation server according to the The weight value and the amount distribution ratio data generate multiple investment scores corresponding to the customer identification data, and each investment score is the proportion of the amount of the amount distribution ratio data corresponding to the same customer identification data Multiply by corresponding to The sum of these weighted values of the same financial product category. 如請求項1所述的金融操作評分方法，在步驟(C)之後，還包含：(D)該運算伺服器根據該等投資評分及多個百分等級範圍產生多個分別對應於該等百分等級範圍的群組資料，每一群組資料包含該等客戶識別資料其中對應之投資評分落在對應之百分等級範圍者。 The scoring method for financial operations as described in claim 1, after step (C), further includes: (D) the computing server generates a plurality of corresponding to the hundreds according to the investment scores and the multiple percentile grade ranges. Group data in a graded range, each group data includes the customer identification data in which the corresponding investment score falls within the corresponding percentage grade range. 一種金融操作評分系統，包含：一資料庫伺服器，儲存多個客戶識別資料、分別對應該等客戶識別資料的多個持有金融商品資料、多個金融商品類別、分別對應該等金融商品類別的多個商品評價分數，及分別對應該等金融商品類別的多個權重值，每一持有金融商品資料包含分別對應於該等金融商品類別的多筆金額；一運算伺服器，連接該資料庫伺服器，以存取該資料庫伺服器；其中，該運算伺服器根據該等商品評價分數產生多個權重值，每一權重值為對應於同一金融商品類別的該商品評價分數於該等商品評價分數的總和中的比例，其中，該等商品評價分數每一者的計算方式是以所對應之市場趨勢的評分與行內交易趨勢的評分相乘。該運算伺服器根據每一持有金融商品資料，產生一對應於該持有金融商品資料所對應的該客戶識別資料的金額分配比例資料，該金額分配比例資料包含多個分別 對應於該持有金融商品資料的該等金額的金額占比，每一金額占比為對應之該金額於該持有金融商品資料的該等金額的總和中的比例；該運算伺服器根據該等權重值及該等金額分配比例資料，產生多個分別對應於該等客戶識別資料的投資評分，每一投資評分為對應於相同的該客戶識別資料的該金額分配比例資料的該等金額占比分別乘以對應於相同的金融商品類別的該等權重值後的總和。 A financial operation scoring system, including: a database server that stores multiple customer identification data, multiple holding financial product data corresponding to the customer identification data, multiple financial product categories, and corresponding financial product categories respectively Multiple product evaluation scores of, and multiple weight values corresponding to these financial product categories, each holding financial product data contains multiple amounts corresponding to these financial product categories; a computing server is connected to the data Database server to access the database server; wherein, the computing server generates a plurality of weight values according to the product evaluation scores, and each weight value corresponds to the product evaluation score of the same financial product category. The ratio of the sum of product evaluation scores, where each of the product evaluation scores is calculated by multiplying the score of the corresponding market trend and the score of the trade trend in the industry. The computing server generates an amount allocation ratio data corresponding to the customer identification data corresponding to the holding financial product data according to each holding financial product data, and the amount allocation ratio data includes multiple respective The proportion of the amount corresponding to the amount of the financial product data held, and the proportion of each amount is the proportion of the corresponding amount to the sum of the amounts of the financial product data held; the calculation server is based on the The equal weight value and the amount distribution ratio data generate multiple investment scores corresponding to the customer identification data, and each investment score is the amount of the amount distribution ratio data corresponding to the same customer identification data. The ratios are respectively multiplied by the sum of these weighted values corresponding to the same financial product category. 如請求項3所述的金融操作評分系統，其中，該運算伺服器根據該等投資評分及多個百分等級範圍產生多個分別對應於該等百分等級範圍的群組資料，每一群組資料包含該等客戶識別資料其中對應之投資評分落在對應之百分等級範圍者。 The financial operation scoring system according to claim 3, wherein the computing server generates a plurality of group data corresponding to the percentage level ranges according to the investment scores and the multiple percentage level ranges, and each group The group data includes the customer identification data in which the corresponding investment score falls within the corresponding percentage rank range.
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Publication number Priority date Publication date Assignee Title
CN107038486A (en) * 2016-02-03 2017-08-11 株式会社日立制作所 Financial product prediction meanss and financial product Forecasting Methodology
TWI626614B (en) * 2017-08-28 2018-06-11 Shao Ming Yang Financial commodity automation investment analysis decision system and method
CN108985935A (en) * 2018-07-06 2018-12-11 兴业证券股份有限公司 Financial product recommended method and storage medium
TWM597468U (en) * 2020-03-26 2020-06-21 玉山商業銀行股份有限公司 System for scoring investment item

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107038486A (en) * 2016-02-03 2017-08-11 株式会社日立制作所 Financial product prediction meanss and financial product Forecasting Methodology
TWI626614B (en) * 2017-08-28 2018-06-11 Shao Ming Yang Financial commodity automation investment analysis decision system and method
CN108985935A (en) * 2018-07-06 2018-12-11 兴业证券股份有限公司 Financial product recommended method and storage medium
TWM597468U (en) * 2020-03-26 2020-06-21 玉山商業銀行股份有限公司 System for scoring investment item

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