TWM587319U - Device for generating preferential review recommendations based on contribution and commitment benefits - Google Patents

Abstract

A device for generating preferential review recommendations based on contribution and commitment benefits, a technology for generating benefit evaluation levels and contribution levels based on customer-related customer information and preferential application data, and generating audit recommendations based on contribution levels and benefit evaluation levels Means to avoid misjudgments caused by the lack of experience or quality of auditors, and to achieve technical effects that enhance the operating efficiency of business units.

Description

Device for generating preferential review recommendations based on contribution and commitment benefits

A device for generating audit recommendations, especially a device for generating preferential audit recommendations based on contribution and commitment benefits.

A bank is a financial institution that acts as a credit intermediary for payments, deposits, loans, and remittances. When a customer's transaction is a specific business provided by the bank (such as payment, loan, remittance, etc.), the bank usually charges the customer a handling fee. The fee charged by the bank may be a fixed amount, or it may change with the transaction amount.

For some reasons, for example, in order to increase customers 'use of specific services, or to reward customers who meet certain conditions, banks may also cancel certain customers' fees for using specific services.

In some banks, customers can also apply for transaction fee discounts. After customers apply for transaction fee discounts, the bank will review them internally.

In the past, in the bank, when reviewing the application of transaction fee concessions, it was mainly manual review. That is, if the reviewer judges that the customer can bring operating benefits to the business unit in the future, the reviewer will usually agree with the client's transaction procedures Applications with preferential fees, otherwise the reviewer will reject the application. However, whether the customer can bring operating benefits to the business unit in the future depends on the experience of the auditors. Once the experience of the auditors is insufficient or the auditors are not objective and fair, the results cannot be accurately determined.

In summary, it can be known that the application of transaction fee concessions to banks in the prior art has long depended on the experience of auditors and the degree of objectivity, so it is necessary to propose improved technical means to solve this problem. One question.

In view of the existing technology, the application of the transaction fee discount depends on the experience and quality of the reviewer, this creation then reveals a device that generates preferential review recommendations based on contribution and commitment benefits, of which:

The device disclosed in this creation that generates preferential review recommendations based on contribution and commitment benefits includes at least: a data acquisition module to obtain customer-related information and preferential application information; an benefit evaluation module to calculate based on customer-related data The amount of future business commitments and the benefit evaluation level used to judge the future business commitments and preferential application data; the contribution calculation module to calculate the contribution level based on customer-related data; the audit module to determine the contribution level And benefit evaluation levels to generate audit recommendations.

The device disclosed in this creation is as above. The difference from the previous technology is that this creation generates benefit evaluation levels and contribution levels through customer-related information and preferential application data, and generates audit recommendations based on the contribution level and benefit evaluation levels to resolve. There are problems with the previous technology, and it can achieve the technical effect of improving the operating efficiency of the business unit.

The following will describe the features and implementation of this creation in detail with drawings and examples. The content is sufficient to enable any person skilled in the art to fully understand and implement the technical means applied to solve technical problems in this creation, thereby realizing What this creation can achieve.

This creation can generate a review proposal corresponding to the customer's application fee discount based on the customer's relevant information when the customer applies for a transaction fee discount, and can generate a procedure that can be accepted when the customer's application fee discount is rejected. Fee discount information. Among them, the transaction mentioned in this creation is for example foreign exchange, but this creation is not limited to this.

The following first illustrates the creation of the system architecture diagram based on the “contributions and commitment benefits” mentioned in the “Article 1A”. As shown in "Figure 1", the creative system is applied in the server 100, including a data acquisition module 110, a benefit evaluation module 120, a contribution calculation module 130, an audit module 150, and additional data processing. Module 170, discount generating module 180, and communication module 190. The server 100 is a computing device.

The computing device mentioned in this creation is shown in "Figure 1B", including but not limited to one or more processors 12, one or more memory modules 13, and connecting different components (including memory modules and processing Device) and other components. Through the contained multiple components, the computing device can load and execute the operating system, so that the operating system can run on the computing device, and can also execute software or programs. In addition, the computing device also includes a housing, and each of the above components is disposed in the housing.

The bus 14 of the computing device mentioned in this creation may include one or more types, for example, including a data bus, an address bus, a control bus, and an extension function bus. (Expansion bus), and / or local bus. Computing device buses 14 include, but are not limited to, side-by-side Industry Standard Architecture (ISA) buses, peripheral component interconnect (PCI) buses, Video Electronics Standards Association (VESA) local buses, and serial universal serial buses (USB), PCI-E bus, etc.

The processor 12 of the computing device mentioned in this creation is coupled to the bus 14. The processor 12 includes a register group or a register space. The register group or the register space can be completely set on the processing chip, or all or part of the register chip can be set outside the processing chip and passed a dedicated electrical Connected and / or coupled to the processor via a bus. The processor may be a processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processors 12, the processors 12 included in the computing device are all the same or similar, and are coupled through the bus 14 or an internal channel between the processors 12 And communication. The processor 12 may interpret a series of multiple instructions to perform a specific operation or operation, such as mathematical operations, logical operations, data comparison, copying / moving data, etc., to run an operating system or execute various programs, modules, and / Or components.

The processor 12 of the computing device may be coupled to the chipset 15 or electrically connected to the chipset 15 through the bus 14. The chipset 15 is composed of one or more integrated circuits (ICs), including a memory controller and a peripheral input / output (I / O) controller, that is, the memory controller and the peripheral input / output controller may include Within one integrated circuit, two or more integrated circuits can also be used. The chipset 15 generally provides I / O and memory management functions, and provides multiple general-purpose and / or dedicated registers, timers, etc., among which the general-purpose and / or dedicated registers and timers can be coupled. Or one or more processors 12 electrically connected to the chipset are accessed or used.

The processor 12 of the computing device can also access the data in the memory module 14 and the mass storage area installed on the computing device through the memory controller. The above-mentioned memory module 14 includes any type of volatile memory and / or non-volatile memory (NVRAM), such as static random access memory (SRAM), dynamic random access memory Take memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The above-mentioned large-capacity storage area may include any type of storage device or storage medium, such as a hard disk drive, a compact disc, a flash drive (flash memory), a memory card, a solid state disk (Solid State Disk, SSD), or any other storage device. That is, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard drives, and solid-state hard drives.

The processor 12 of the computing device may also connect and communicate with peripheral devices such as peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers through a peripheral input / output controller via a peripheral input / output bus. The peripheral input device can be any type of input device, such as a keyboard, mouse, trackball, touchpad, joystick, etc. The peripheral output device can be any type of output device, such as a monitor, printer, etc. It may be the same device as the peripheral output device, such as a touch screen. The communication interface may include a wireless communication interface and / or a wired communication interface. The wireless communication interface may include a mobile communication network supporting Wi-Fi, Zigbee and other wireless LANs, Bluetooth, infrared, near field communication (NFC), 3G / 4G / 5G, etc. Or other wireless data transmission protocol interfaces. The wired communication interface can be an Ethernet device, an asynchronous transfer mode (ATM) device, a DSL modem, or a cable modem. The processor can poll various peripheral devices and interfaces 16 periodically, so that the computing device can input and output data through various peripheral devices and interfaces 16, and can also perform with another computing device with the components described above. communication.

The data obtaining module 110 is responsible for obtaining preferential historical data and preferential application data. The preferential historical data and preferential application data obtained by the data obtaining module 110 include items such as fee preferential items, fee amounts (expenses), and / or fee advantageous periods. Generally speaking, the data acquisition module 110 can read the preferential history data and the preferential application data from the storage module 140, but this creation is not limited to this. For example, the data acquisition module 110 can also use the communication module 190 One or more related systems or servers in the external service cluster 410 obtain preferential historical data and preferential application data. The service cluster 410 includes one or more servers or hosts.

The data acquisition module 110 is also responsible for acquiring customer-related data. The customer-related data obtained by the data acquisition module 110 includes customer identification data, historical transaction data, deposit information in Taiwan and foreign currencies, the amount of business income in Taiwan and foreign currencies, total revenue in wealth management business, historical financial statements, credit information, and related Taiwan dollars. The balance with foreign currency and the transaction commitment amount, the amount of Taiwanese currency and foreign currency business income of the related households, the annual import and export amount, etc., but this creation is not limited to this. Among them, the customer identification information includes, but is not limited to, the customer's identity card number or unified number; the historical transaction data includes, but is not limited to, the previous offer, please allow for months, months, and months of import, export, remittance, remittance and other transactions. Achievements of import, export, remittance, remittance and other transactions in recent months; deposit information of Taiwanese and foreign currencies includes, but is not limited to, the average discount balance of Taiwanese and foreign currencies in previous months. The average balance of deposits in Taiwanese and foreign currencies; the amount of revenue in the business of Taiwanese and foreign currencies includes, but is not limited to, the amount of revenue in the business including deposits, credits, and handling fees in the currency of Taiwan; The information includes, but is not limited to, credit lines, utilization, etc.

The data acquisition module 110 can read out pre-stored customer-related data from the storage module 140, but this creation is not limited to this. For example, the data acquisition module 110 can also be provided by external services through the communication module 190 One or more related systems or servers in the cluster 410 obtain customer related data. In more detail, the data acquisition module 110 can obtain the customer's historical transaction data, Taiwan currency and foreign currency deposit information, related accounts' Taiwan currency and foreign currency balances and historical transaction records, etc. by the core accounting system; it can also be acquired by the data storage system. The customer's Taiwan dollar and foreign currency business income amount and the customer's relationship between the client's Taiwan dollar and foreign currency business income amount, etc .; The annual import and export amount of the customer can also be obtained by the data collection server of the Joint Collection Center; the wealth of the customer's wealth can also be obtained by the wealth management system Manage the total revenue of the business and the total revenue of the wealth management business of the customer's relationship households; the customer's historical financial statements and credit information can also be obtained by the credit management system.

The benefit evaluation module 120 is responsible for calculating the future business commitment based on the customer-related data obtained by the data acquisition module 110. For example, the benefit evaluation module 120 may first be based on the previous offer in the historical transaction data in the customer-related data. For several months of foreign exchange commitments, please calculate the difference in foreign exchange commitments before and after the previous discount. You can also use the average of Taiwanese and foreign currencies for the previous discount in the deposit information of the customer's relevant information in the Taiwanese currency and foreign currencies. For the deposit balance calculation, please refer to the average foreign currency deposit balance difference before and after the previous discount, and then calculate the foreign exchange commitment difference before and after the previous discount, and the average foreign currency deposit balance difference before and after the previous discount, and Clients ’relevant historical transaction data in recent months, transaction results, deposits in Taiwan and foreign currencies in recent months, deposit balances in recent months, historical financial statements in recent years, recent cash amounts, recent import and export amounts, The credit information of the import and export business and other information in the credit information calculate the future business commitment of the customer. Among them, the difference is the absolute value of the difference between the two values. For the previous discount, please check the difference between the foreign exchange commitment amount and the previous discount. The absolute value of the difference between the commitment amount and the average deposit balance in foreign currencies in Taiwan; In addition, the future business commitment amount calculated by the benefit evaluation module 120 includes, but is not limited to, the average deposit balance in the next few months, and the import and export that can be achieved in the next few months The amount of undertakings, the amount of undertakings that can be reached in the next few months, etc.

In more detail, the benefit evaluation module 120 can use the regression model to predict the operating income, cash amount, and the average deposit balance of the Taiwan dollar / foreign currency in the past few months. Estimate the average balance of deposits in the next few months; based on the operating income in recent years, the amount of imports / exports in recent years, the actual amount of imports / exports in the past few months, the previous discount, please check the difference between the forward and backward import / export commitments, and the latest approved entry / The credit line for export business is a parameter that estimates the import and export commitments that can be achieved in the next few months using a regression model; and based on recent operating income, recent import / export amounts, and previous discounts, please remit before and after remittances And the actual amount of export / import commitments in the past few months is the parameter that can be reached in months using the regression model to estimate the amount of import / export commitments.

The benefit evaluation module 120 is also responsible for judging the benefit evaluation level based on the calculated future business commitment. In more detail, the benefit evaluation module 120 can first calculate the customer's business commitment in the past few months, and calculate the product of the customer's business commitment and the pre-discount commission as the comparison of the customer's benefit growth. The product of the future business commitment of the customer and the post-discount commission is calculated as the estimated post-discount revenue, and the estimated post-discount revenue is deducted from the comparison of benefit growth to calculate the customer's benefit growth rate after the approval of the discount, and Based on the calculated benefit growth rate, judge the customer's benefit evaluation level. For example, judge the benefit evaluation level based on the benefit trend (positive, flat, or negative), the benefit fluctuation range, and the benefit growth rate / decay rate.

The contribution calculation module 130 is responsible for calculating the contribution level according to the customer-related data obtained by the data acquisition module 110. For example, the contribution calculation module 130 may calculate the total revenue of each customer based on the amount of Taiwanese and foreign currency business revenue in the customer-related data of all customers, and define the customer ’s total revenue based on the ranking of each customer ’s total revenue in the total revenue percentage of all customers. Contribution level, but this creation is not limited to this.

The audit module 150 is responsible for generating audit recommendations based on the contribution level calculated by the contribution calculation module 130 and the benefit evaluation level calculated by the benefit evaluation module 120. Among them, the audit suggestions generated by the auditing module 150 may indicate consent, conditional consent, disagreement, etc., but this creation is not limited to this.

The review module 150 can define different scores for each contribution level calculated by the contribution calculation module 130, and can also define different scores for each benefit evaluation level calculated by the benefit evaluation module 120, and can define Indicates the range of values for consent, conditional consent, and disagreement, and the score of each customer's contribution level and benefit evaluation level can be added or multiplied to generate a reference value, and the calculated reference value is judged Is within the range of values that indicate consent, conditional consent, or disagreement, resulting in audit recommendations that indicate consent, conditional consent, or disagreement. However, the manner in which the audit module 150 generates the audit recommendations is not limited to the above.

The data processing module 170 may store the preferential application data obtained by the data acquisition module 110 in the storage medium 140 when the audit proposal generated by the audit module 150 indicates that it is approved or conditionally agreed to be processed; When the audit suggestion generated by the module 150 indicates that the application is approved or conditionally agreed to be processed, the preferential application information is transmitted to the branch host 490 via the communication module 190 for storage.

The discount generating module 180 may generate the fee preferential information when the audit proposal generated by the auditing module 150 indicates that they do not agree to process, and may use the generated fee preferential information as new preferential application information. For example, the discount generation module 180 can adjust the amount of the fee in the discount application data obtained by the data acquisition module 110 by a predetermined ratio, so that the benefit evaluation module 120 calculates the benefit evaluation level again until the audit proposal generated by the audit module 150 Indicated as consent or conditional consent. The above-mentioned predetermined ratio may be set in advance by the system, or may be set by the preferential generating module 180 according to the amount of the fee in the preferential application information obtained by the data obtaining module 110, and there is no particular limitation on this creation.

The discount generating module 180 may also replace the commission amount in the preferential application information obtained by the data obtaining module 110 with the last calculated commission amount, and use the preferential application information after the commission amount is replaced as the commission preferential information .

The communication module 190 can be connected to the review client 450 and / or the branch host 490 via a wired or wireless network, and can send data or signals to the review client 450 and / or the branch host 490, and can also receive review customers Data or signals transmitted by the end 450 and / or the branch host 490. For example, the communication module 190 may transmit the review suggestions generated by the review module 150 and the preferential application data obtained by the data acquisition module 110 to the review client 450, and may receive the review client 450 review the preference application data The resulting message.

Then, an example is used to explain the operation of this creation, and please refer to the “Flow chart of 2A” for generating a review proposal based on the contribution and commitment benefits. In this embodiment, it is assumed that the creation is applied to the server 100 of the bank's head office, and the server 100 can provide customers with preferential fees for applying for various transactions.

First, the data acquisition module 110 can obtain customer-related information and preferential application information of the target customer who applies for a fee discount (step 210). In this embodiment, it is assumed that the data acquisition module 110 can read the target customer's preferential application data from the storage medium 140, and can use the communication module 190 to communicate with the bank based on the customer identification information in the read preferential application data. To obtain customer-related information from each of the related servers.

After the data acquisition module 110 obtains customer-related information and preferential application information (step 210), the benefit evaluation module 120 can calculate the future business commitment of the target customer based on the customer-related data obtained by the data acquisition module 110 (step 220). ), And can determine the benefit evaluation level based on the calculated future business commitment and the preferential application data obtained by the data acquisition module 110 (step 230). In this embodiment, it is assumed that the benefit evaluation module 120 can first calculate the benefit growth based on the product of the target customer's future business commitment and the post-discount commission, and the product of the business commitment and the pre-discount commission in recent months. Rate, and judge the benefit evaluation level according to the benefit growth rate. Among them, the benefit evaluation level is divided into a ~ e and other six levels, of which a indicates that the benefit trend is positive and the benefit growth is more than 20%; b indicates the benefit. The trend is positive and the benefit grows between 10 ~ 20%; level c indicates that the benefit trend is positive and the benefit grows between 5-10%; level d indicates that the benefit grows between 5 ~ -5%; level e It indicates that the benefit trend is negative, and the attenuation of the benefit exceeds 5%; other levels indicate that the benefit is not in the a ~ e level or cannot be judged.

Similarly, after the data acquisition module 110 obtains customer-related information and preferential application information (step 210), the contribution calculation module 130 can calculate the target customer's contribution level based on the customer-related data obtained by the data acquisition module 110 (step 240). . In this embodiment, it is assumed that the contribution level is divided into A ~ E and other six levels, where A indicates that the target customer ’s total revenue in the past year is ranked in the top 20% of the branch applying for a fee reduction; B indicates The target customer ’s total revenue amount in the past year is ranked 20 ~ 40% of the branch that applied for the fee reduction; the C level indicates that the target customer ’s total revenue amount in the past year is ranked 40 ~ 60% of the branch that applied for the fee reduction; By analogy, other levels indicate that the ranking of the target customer's total revenue amount in the past year cannot be determined. The contribution calculation module 130 can calculate the total revenue amount of all customers in the past year, and rank the total revenue amount of all customers in the past one year based on the ranking of the total revenue amount of all customers in the past year (that is, the target customer's recent one year. The percentage of the total revenue amount in the total revenue amount of all customers in the past year) to judge the customer's contribution level.

It should be noted that the benefit evaluation module 120 and the contribution calculation module 130 are not executed in the order of execution, that is, in this creation, the contribution calculation module 130 may first calculate the contribution level of the target customer (step 240), The benefit evaluation module 120 then determines the benefit evaluation level (step 230).

After the benefit evaluation module 120 determines the target customer's benefit evaluation level based on the customer-related information and the preferential application data, and the contribution calculation module 130 calculates the target customer's contribution level based on the customer-related data (steps 220-240), review the model The group 150 may generate an audit proposal based on the benefit evaluation level determined by the benefit evaluation module 120 and the contribution level calculated by the contribution calculation module 130 (step 250). In this embodiment, it is assumed that the auditing module 150 can generate auditing suggestions as the corresponding table 300 of "Figure 3".

In this way, through this creation, it is possible to determine whether the transaction fee concessions of the transaction applied by the customer can be processed without going through the reviewer, thereby increasing the operating efficiency of the bank.

In the above embodiment, after the audit module 150 generates the audit suggestion, it may be determined whether the generated audit suggestion does not agree with the process (step 270). If so, the creation will be ended, so that the target customer's transaction fee application can be reduced. Rejected; and if the audit proposal generated by the audit module 150 does not disagree with the transaction, but agrees to the transaction or conditionally agrees to the transaction, the data processing module 170 may store the preferential application data obtained by the data acquisition module 110 to In the storage medium 140 and / or via the communication module 190, the preferential application data is transmitted to the branch host 490, so that the branch host 490 stores the received preferential application data (step 290).

Similarly, after the audit module 150 generates the audit proposal (step 250), the above embodiment can also perform the audit proposal generated by the audit module 150 and the preferential application data, as shown in the flow chart in FIG. 2B. Go to the review client 450 (step 261), so that the reviewer can refer to the review recommendations to review the review client 450 application information, and then the review client 450 can generate a corresponding result message (step 263). And the generated result message can be returned to the communication module 190 (step 265).

After the communication module 190 receives the result message generated by the review client 450, the data processing module 170 may determine whether the result message received by the communication module 190 indicates that it does not agree to proceed (step 267), and if so, then This creation will be ended, so that the client's application for transaction fee concessions is rejected; and if the result message indicates consent or conditional consent, the data processing module 170 can store the preferential application data obtained by the data acquisition module 110 To the storage medium 140 and / or the preferential application data can be transmitted to the branch host 490 for storage through the communication module 190 (step 290).

In summary, it can be seen that the difference between this creation and the previous technology lies in the technology of generating benefit evaluation levels and contribution levels based on the customer's customer-related information and preferential application data, and generating audit recommendations based on the contribution level and benefit evaluation levels. This method can solve the problem that the application of transaction fee concessions in the previous technology depends on the experience and quality of the auditors, and then achieve the technical effect of improving the operating efficiency of the business unit.

In addition, in the above embodiment, if the server 100 further includes a discount generating module 180, the audit suggestion generated by the auditing module 150 or the result message received by the communication module 190 indicates that they do not agree to proceed, and the discount is generated. The module 180 may modify the preferential application information obtained by the data obtaining module 110 to generate the fee preferential information. For example, the discount generating module 180 can adjust the amount of the fee in the preferential application data obtained by the data obtaining module 110 by a predetermined ratio. After that, the benefit evaluation module 120 can calculate the benefit evaluation level again and the audit module 150 can generate an audit It is recommended until the audit proposal generated by the audit module 150 or the result message received by the communication module 190 indicates that it is agreed to be processed or the conditional consent is processed.

Although the implementation method disclosed in this creation is as above, the content is not intended to directly limit the scope of patent protection of this creation. Any person with ordinary knowledge in the technical field to which this creation belongs, without departing from the spirit and scope disclosed by this creation, can make some modifications to the form and details of the implementation of this creation, which are all covered by the patent protection of this creation. range. The scope of patent protection for this creation must still be defined by the scope of the attached patent application.

12‧‧‧ processor
13‧‧‧Memory Module
14‧‧‧Bus
15‧‧‧ Chipset
16‧‧‧Peripheral device or interface
100‧‧‧Server
110‧‧‧Data Acquisition Module
120‧‧‧Benefit Evaluation Module
130‧‧‧Contribution Calculation Module
140‧‧‧Storage media
150‧‧‧ audit module
170‧‧‧Data Processing Module
180‧‧‧Offer Generation Module
190‧‧‧Communication Module
300‧‧‧ Correspondence table
410‧‧‧service cluster
450‧‧‧ review client
490‧‧‧ Branch host Step 210‧‧‧ Obtain customer related information and preferential application information Step 220‧‧‧ Calculate future business commitment based on customer related information Step 230‧‧‧ Calculate from future business commitment and preferential application data Benefit evaluation level step 240 ‧‧‧ Calculate contribution level based on customer related data step 250 ‧‧‧ Generate audit recommendations based on contribution level and benefit evaluation level 261 ‧ ‧ Send review recommendations and offer application information to review client step 263‧‧‧ Review the client to review the offer application information and generate a result message Step 265‧‧‧ Review the client to return a result message Step 267‧‧‧ Whether the result message indicates that they do not agree to process Step 270‧‧‧ Review recommendations Does it indicate that you do not agree to go to step 290‧‧‧ to save the offer application information and / or send the offer application information to the branch host storage

Figure 1A is a diagram of the system architecture for generating preferential review recommendations based on contribution and commitment benefits.
Figure 1B is a schematic diagram of the components of the computing device mentioned in the creation.
Figure 2A is the flow chart of the preferential review proposal based on the contribution and commitment benefits of the creation.
Figure 2B is the flow chart of the review and review suggestions made by the author.
Fig. 3 is a correspondence table for generating audit suggestions mentioned in the creative embodiment.

Claims (9)

A device for generating preferential review recommendations based on contribution and commitment benefits. The device includes at least:
At least one memory module; and at least one processor electrically connected to the at least one memory module. The at least one processor generates or includes:
A data acquisition module for obtaining a customer-related information and a preferential application information;
An benefit evaluation module for calculating a future business commitment based on the customer's relevant data, and for determining a benefit evaluation level from the future business commitment and the offer application data;
A contribution calculation module for calculating a contribution level based on the relevant information of the customer; and an audit module for generating an audit proposal based on the contribution level and the benefit evaluation level. The device for generating preferential review recommendations based on contribution and commitment benefits as described in item 1 of the scope of patent application, wherein the at least one processor is further configured to generate or include a communication module for transmitting the review recommendations to a A review client and a result message used to receive the review client after reviewing the review proposal. The device for generating preferential review recommendations based on contribution and commitment benefits as described in item 1 of the scope of patent application, wherein the at least one processor is further used to generate or include a data processing module for indicating in the review proposal When agreeing to process or conditionally agree to process, send the application information of the offer to the branch host for storage. The device for generating preferential review recommendations based on contribution and commitment benefits as described in item 1 of the scope of patent application, wherein the at least one processor is further used to generate or include a preferential generation module for indicating in the review proposal In case of disagreement, adjust the amount of the fee in the offer application information, so that the benefit evaluation module re-judgments the benefit evaluation level, and the audit module regenerates the audit proposal. As described in item 1 of the scope of patent application, the device for generating preferential review recommendations based on contribution and commitment benefits, wherein the data acquisition module obtains the customer-related data from a storage medium or an external related system or server. For example, the device for generating preferential review recommendations based on contribution and commitment benefits as described in item 1 of the scope of the patent application, where the benefit evaluation module is based on the previous offer in the relevant information of the customer. Calculate the difference between the foreign exchange commitment amount before and after the previous offer, and calculate the average deposit balance between the Taiwanese currency and the foreign currency in the previous months before and after the previous offer in the relevant information of the customer. After the calculation, please calculate the difference between the foreign exchange commitment amount before and after the previous offer, the difference between the average foreign currency deposit balance before and after the previous offer, and the transaction results in recent months in the customer-related information. The balance of deposits for several months, operating income in recent years, cash amounts in recent years, import and export amounts, and credit lines for import and export business are used to calculate the future business commitment. Among them, the future business commitment includes the average balance of deposits in the next few months and future figures The import and export contract amount that can be reached in a month, and the import and export contract amount that can be achieved in the next few months. As described in item 1 of the scope of the patent application, the device for generating preferential review recommendations based on contribution and commitment benefits, wherein the benefit evaluation module is calculated based on the business commitment in recent months and the future business commitment. Benefit growth rate, and judge the benefit evaluation level based on the benefit growth rate. As described in item 1 of the scope of patent application, the device for generating preferential review recommendations based on contribution and commitment benefits, wherein the contribution calculation module is based on the ranking definition of the total revenue of all customers in the total revenue of all customers Customer contribution level. For the device that generates preferential review recommendations based on contribution and commitment benefits as described in item 1 of the scope of patent application, where the review recommendations indicate consent, conditional consent, or disagreement.