TWM609222U - Financial operation grading system - Google Patents

Abstract

A financial operation scoring system 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 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 a plurality of amounts corresponding to the amount of the financial product data held, and the proportion of each amount is the amount corresponding to the amount of the financial product data held The proportion of the sum. The computing server generates multiple investment scores corresponding to the customer identification data according to the weight value and the amount distribution ratio data.

Description

Financial operation scoring system

This new model relates to the scoring of financial operations, in particular to a scoring system for financial operations.

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.

Therefore, how to give a corresponding score based on the customer's financial operations has become the subject of this case.

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.

Therefore, the financial operation scoring system provided by the present invention includes a database server and a computing server. The database server stores multiple customer identification data, multiple holding 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 generates an amount distribution corresponding to the customer identification data corresponding to the holding financial product data according to each holding financial product data Proportion data, the amount distribution ratio data includes a plurality of amounts corresponding to the amount of the financial product data held, and the proportion of each amount is the amount corresponding to the amount of the financial product data held The proportion of the sum. The calculation server 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 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.

In some implementations, 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 calculation server's evaluation of the products 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.

In some implementation aspects, the computing server generates a plurality of group data corresponding to the percentage level ranges respectively 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.

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 calculate 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.

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.

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.

More specifically, each customer identification information includes, but is not limited to, a corresponding customer’s ID card 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 classes are indicated, and the scores corresponding to the above five classes 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.

Next, referring to FIG. 1 and FIG. 2, the following describes how this embodiment performs a scoring and grouping process for the holding financial product data. The scoring and grouping process includes steps S1 to S4.

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.

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%

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.

In step S2, the calculation server 20 generates an amount distribution ratio data corresponding to the customer identification data corresponding to the held financial product data according to each held financial product data, and the amount distribution ratio data includes multiple A proportion of the amounts corresponding to the holding financial product data respectively, and each amount proportion is the proportion of the corresponding amount to the sum of the amounts of the holding financial product data.

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. Before step S3 is executed, step S1 and step S2 have been executed.

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.

Continuing the example given in Table 1, if the proportion of the amount included in the allocation ratio of 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.

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.

For example, the range of the percentage levels is 99%~70%, 69%~40%, and 39%~0%, so as to generate three group data, and each group data includes falling into The customer identification data for one of the percentile grade ranges.

In addition, after the computing server 20 generates the group data, it can provide the group data to the internal marketing server of the banking institution (not shown) for the server, for example Push and broadcast different marketing information to these group data respectively.

In summary, the new financial operation scoring system 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. New purpose.

However, the above are only examples of the present model, and should not be used to limit the scope of implementation of the present model, all simple equivalent changes and modifications made in accordance with the patent scope of the present model application and the contents of the patent specification still belong to This new patent covers the scope.

10: database server 20: Computing server S1~S4: steps

The other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, among 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: database server

20: Computing server

Claims (3)

A scoring system for financial operations, 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 multiple weight values corresponding to the financial product categories. 1. The held financial product data contains multiple amounts corresponding to the financial product categories; A computing server connected to the database server to access the database server; Wherein, 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 amount allocation ratio data respectively corresponding to the holding financial product data. The proportion of the amount of the holding financial product data, and the proportion of each amount is the proportion of the corresponding amount to the total amount of the holding financial product data; The calculation server generates a plurality of investment scores corresponding to the customer identification data according to the weight values, and each investment score corresponds to the proportion of the amount of the amount distribution data corresponding to the same customer identification data Multiply the sum of these weighted values corresponding to the same financial product category. The financial operation scoring system according to claim 1, wherein the database server also stores a plurality of product evaluation scores corresponding to the financial product categories; The weight values stored in the database server are generated by the computing server based on the product evaluation scores, and each weight value corresponds to the product evaluation score of the same financial product category in comparison with the product evaluation scores. The proportion of the sum. The financial operation scoring system according to claim 1, wherein the calculation 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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