CN1204410A - Sales processing support system and method - Google Patents
Sales processing support system and method Download PDFInfo
- Publication number
- CN1204410A CN1204410A CN 96199069 CN96199069A CN1204410A CN 1204410 A CN1204410 A CN 1204410A CN 96199069 CN96199069 CN 96199069 CN 96199069 A CN96199069 A CN 96199069A CN 1204410 A CN1204410 A CN 1204410A
- Authority
- CN
- China
- Prior art keywords
- information
- user
- client
- account
- sales
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
A sales processing support system and method for identifying sales targets to improve sales success rates includes a central database that receives and standardizes and homes aggregated information into a hierarchical structure. The consolidated information is accessed by the micro-sales workstations to generate a sales lead table. Database means are provided for accessing data on the central database. The system electronically distributes customer-targeted sales leads to a departmental network, utilizes workstations to access a central database to profile customers, electronically track sales and service information. The system may also include a system for opening accounts in a single transaction in communication with the central database, the micro-marketing center, the central customer information system, and the gate system of the present invention.
Description
The present invention relates generally to sell and service back-up system and method the electronic marketing and service back-up system and the method that particularly are used to specify customer service and identification sales target, distribute sales lead, strengthen sales tool and follow the tracks of sales achievement and sales force.
In order to enhance competitiveness, just as other ISP, financial institution has begun to adopt the sale and the service technology of achieving success in other field.But market finance service has unique challenge.At first, most of people does not buy financial service.Yet some thing in client life makes the client make a change or towards this change.In life, have when inertia by for example migration, dead, situation when family forms and overcomes or have when the client becomes and be sick of the appearance of the chance that is enough to make a change.For this reason, the big disperse market of financial service does not have effect usually.But the market of financial service must tend to make a change or open other account's client towards those.In the past, though accurately discern those open an account the change the client and the prediction these incidents when take place can not also not be very the difficulty.Thus, need a kind of will open an account system and method for change of client when or potential customers that better be used to predict.
For needs and the support target marketing of considering the client in advance, the essential client who understands it of ISP.The client who understands a people is very important for the customer service that improves, and is another kind of confirmed acquisition and keeps new client's approach.Because when client's quantity increases and each client and particular employee are got in touch frequency when reducing, the client who the understands a people very difficulty that becomes, the customer basis scope of big banking mechanism is sold obstacle of trial existence to some.In the financial group of today, big banking mechanism can have tens million of families or client, and wherein each all has a unique group account.These families, client and account's data exception is numerous and diverse, so that up to the present can't be used for the market expansion fully.
Be devoted to manage in the process of big customer's database, user logging is preserved in the shop traditionally.In some cases, these records are all with simple paper spare form record, but electronical record has become general recently.At first, independent data-carrier store is used to each electronical record preservation application.Therefore, for example each department in the financial institution all has a program of setting up and preserving required record for itself purpose.Utilize the problem of this approach to be that information must be repeated widely.For example customer name and address can appear in the individual files of several separate branch.
Also there is a problem in the data-carrier store of application specific.Because client's information enters a more than file, so any change of state is all often entered into each file by different people.In the whole time, the precision of data and consistance all will degenerate.In addition, the use of dedicated data stores device needs more data inlet and more storage space.
The notion in the relevant data storehouse that two more than ten years were introduced has in the past been done a lot of work aspect this problem overcoming.In a database, data are stored in core, do not repeat so data can not occur.Data base administrator is used to manage described database.The example of current available data base administrator comprises DB2 (being used for big database) and dBase (being used for personal computer).
Usually, data base management system (DBMS) (DBMS) is used to foundation, storage, visit, modification, deletion and the use of management database.Typical DBMS sets up database and their structure; Be provided for controlling with database in the device of data management; Be provided for user and application program with visit, enter, the device of data in modification and the process database; The report program processor is provided; " specific " query facility is provided; Supvr and performed activity to the described database of visit provide the user status report; Provide to the operator that hardware uses, the report of current and other monitoring data; With automated back-up that is provided for data in the database and recovery routine.
Multiuser database is in a lot of additional requirements.This comprises parallel access, maintenance confidentiality and the management database that keeps system performance, control data when number of users increases.
Four kinds of database models are arranged: (1) classification, (2) network, (3) relation, (4) goal orientation.Classification and network model are used to store the file of data.Data relationship in the hierarchical data base is followed hierarchy, or tree, and it has reflected in the record type one to one or the relation of one-to-many.Data relationship in the network data base is followed the relation of multi-to-multi in the described record.Data relationship must limit when setting up classification or network data base.Relational database is used to store a plurality of tables of data.Its data relationship can dynamically be determined and needn't be limited when setting up described database by the user.Relational database uses data base query language to be the data in user access and the process database.Query by example and the query language that is constituted are two data base query languages.Object oriented database is stored data together with the process in the target.
Relational database is made up of the table that much wherein stores data.Table in the relational database must have a plurality of unique row, and each unit or section must only comprise such as an information such as name, address or ID (identity number) card No..Relational database management system (rdbms) makes data be set up at an easy rate, keep, handle and extract from relational database.
In most advanced database, extract data by Query Database.Query language allows the user that specific record is set on the basis of acquisition data.Known query language comprises specific program language, Structured Query Language (SQL), natural language and query by example.When using query language, the record of the principle that the common established procedure of user is followed to select to extract.These principles are used as the standard of judgement.Have only those and hold the record that fixed criterion is complementary and just be extracted.
In relational database, data relationship is not limited in advance.User inquiring relational database and by entering the spontaneous data relationship of setting up of common field.Data base query language is used as the interface between user and the relational database management system.
In relational database, use two kinds of basic query forms: (1) query by example and (2) Structured Query Language (SQL).In query by example, data base management system (DBMS) display field information and user enter the query State in the desired field.
Structured Query Language (SQL) (SQL) is the standard database query language that relational database uses.SQL is not an independent stand alone software program, but the part of DBMS.SQL allows the user to set up and the operation relevant informations that are stored in a plurality of tables of organizing more.The core of SQL is the dirigibility in the Query Database process.
Because making, the mode of data storage in relational database can obtain this dirigibility.Data are stored in the table with special properties.These characteristics comprise: (1) one or more fields of being named, (2) data in each row have same data type, (3) zero or a plurality of row (when defining described table but occur zero row when also not having data to enter), (4) each row is unique, (5) single data value be comprised in the cross section of either field and row and the sequence independence of (6) field and row critical.
From database, extract data two kinds of citation forms are arranged: aggregation type and recording.Every kind of form all has merits and demerits separately.
The aggregation type database allows the user to focus onto on the tangible structure of the character of data rather than data.The user use in groups overlap more or a plurality of table in data rather than carry out work as single table data.Use the DBMS of SQL, indicator of all sql servers in this way (Oracle) and SQL pattern are gathered.
The record-oriented data storehouse is access data on the basis of data practical structures and index.Record pointer allows the user once to handle a record through a table.It at an easy rate row or the record in the his-and-hers watches carry out access.But the development person of data base management system (DBMS) must write the programming sign indicating number so that it forms circulation through each required record, and this is its shortcoming.So the example of the DBMS of service recorder formula method is dBASE and Clipper (limiter).
In SQL, keep confidentiality by granted rights.Authority can be authorized to entire database, certain table or some order.The data base manipulation person can the access entire database, so that it is suitably preserved, and the user need conduct interviews to the part of particular table or particular table usually.For example, people can conduct interviews to people's table but can not the salary field in that table be conducted interviews.
The trial of foundation and use customer database has various restrictions.Generally speaking, this restriction has two types: restriction aspect source that inputs to data of database and characteristic and someone search for and extract the restriction of data capability aspect from database.In some cases, these restraint of labour are under state opposite each other.For example, when the someone improves the scale of database and characteristic, search and extract the data difficulty more that just becomes from database.
In recent years, used target market (particularly directly mail-order and remote market) to sell large-scale financial product and serve existing and new client such as the financial institution of bank etc.In order to promote these work, bank has used and has for example comprised client's table and mail-order table in interior traditional database.But these conventional target city field sources do not have whole and full service in the adapt advantage of information of financial institution.
Serve financial institution entirely and provide the various financial products that comprise traditional deposit, investment, loan, mortgage accounts on a large scale to the client usually, and the various financial services that comprise credit card, brokerage business, direct access, commercial access, cash verification, phone billing payment and insurance check etc.In addition, financial institution usually provides visit to financial service through the various means that comprise Automatic Teller Machine (ATM), client's activated terminals (CAT), screen phone, bank's dedicated personal computer, personal digital assistance, voice response system and smart card and traditional teller now.From the information in this multiple source for client's banking operation with unusual complicated figure need be provided.Therefore, with meaningful ways storage with extract this mass data and have great business potential.Even if do not consider business potential, also need to be used to set up from the integrated data base of these each provenances and with the system and method for meaningful and actual mode from the central database information extraction.
For being used for setting up client's finance data and having a lot of defectives in the existing systems and the method for market and customer service system information extraction.At first, most of users (for example employee of bank) will never learn how to use the complicated query language.Being proficient in of language needs special training and skill.In addition, development person will write out by those and have only the employed client's application of the user that program is known about slightly.Therefore, the client uses the ability of database often to be subjected to using the restriction of client's application of being write by certain people for it.Like this, the large scale database system that can obtain does not have dirigibility usually so that the user, i.e. the personnel of market intimacy use himself knowledge and experience to select to extract from the database that is used for the target market standard of data.On the contrary, the user must rely on one group of inquiry that desired result may maybe can not be provided that limits in advance.The result is, marketing activity can only be a target with new or existing client's group, all new clients in this way that can determine easily or all existing customers with certain account etc. usually.Owing to also have an effective method to produce fast and distribution is not used for the people group sales lead table that the new financial service that is provided is provided in specific being hopeful most, those most possibly need or the people of client's target that not marketing activity is always regarded as of the addition product wanting to be provided by financial institution.This has caused the minimizing of factory's marketing activity success ratio.
In addition, utilize financial institution or about client's complicated demographic information (being client " archives ") the whole relation of client is conducted interviews and not to be given in these clients in the turn of the market.Therefore, utilize whole understanding and financial work to client context, the addressing target client of reason is difficult in order to direct mail and remote marketing person.Relevant existing customer's essential information does not often obtain, or to do the needed response time of archives table oversize for the existing customer.These problems all cause setting up the experience of an extreme difference and not being optimum sales behavior for the client.
In addition, other personnel's of Banking sector, departmental manager and the responsible marketing activity sales behavior is not analyzed effectively and is followed the tracks of.The complete demonstration of sales behavior usually only marketing activity is finished after and movable result artificially collected and analyzed and just can be obtained afterwards.This needs a series of based on the form of paper spare and the particular system that produces by the relatively slow sales force of feeding back to usually.Therefore, also need a kind of system, be used to provide with each product with by the relevant up-to-date online symposium of each department's sale service, and the behavior demonstration that sells separately personnel.
In brief, also need one improve be used to discern sales target, distribute sales lead, strengthen sales tool and follow the tracks of big marketing activity and sell separately the profit of personnel's behavioral activity and financial institution so that at utmost make the integral system of customer satisfaction.
An object of the present invention is to provide a kind of electronic marketing and service back-up system, this system can use the database of a central authorities control provide improved sales target identification and and this system as an instrument that is used to improve customer service and institute's opening relationships.Particularly, the present invention allows bank's prediction as system and utilizes constantly precious and user when inertia is overcome to open an account with change bank or allow bank's foundation or reinforcement and existing customer and Xin client's relation when opening the books the family simultaneously.
System of the present invention also is used to improve customer service and reduce client's loss by the relation of strengthening between bank and the client.Particularly, research has illustrated because client's relation and bank broadens, the increase of client's remaining sum, so the client also increases with respect to the interests of bank.In addition, the relation of client and bank is tight more, and it is just difficult more to change bank.The invention provides a kind of instrument, this instrument is used for by allowing those personnel that are responsible for market visit and the financial service four corner that uses for the client is discussed at present and is only come as target with best customers of each marketing activity of guiding and the client sets up for a long time with widely and concerns.
Another object of the present invention provides a kind of system and method, is used to make internally with external source to the information standardization of the database of central authorities of financial institution control and family oriented to support the marketing activity.
A further object of the present invention provide a kind of be used for from the database of the central authorities control that comprises a large amount of finance and consensus data set up and information extraction with the system of the support marketing activity.
A further object of the present invention provides a kind of system that produce and distribute the sale threaded list fast can for the sales staff.
A further object of the present invention provides a kind of system, and this system provides client's the finance and the Dynamic Display of demographic archives at the marketing trading time period to the sales staff.
A further object of the present invention provides a kind of online performance tracking system of the achievement that is used to follow the tracks of the marketing activity and the person of selling separately.
The characteristic of another object of the present invention, advantage and novelty will provide in following description and know the technician with obviously for reading or putting into practice in of the present invention the professional skill field.Objects and advantages of the present invention realize by claims and reach.
The present invention is by providing integrated data base that is used for setting up from each provenance and realizing above-mentioned purpose with meaningful and practical ways from the system and method for central database information extraction.System and method of the present invention mainly is not used to support the mass marketing activity with getting rid of, is used in particular for big banking mechanism.
System and method of the present invention preferably includes a central database, one or morely has the micromarketing center of a plurality of teller work stations, central customer information system (" CCIS ") and an account's open system (" AOS ") that has a plurality of departments workstation.These parts are linked to together each other by telecommunication or other device, thereby micromarketing center, CCIS and account's open system can be communicated by letter with central database.Central authorities' customer information systems (" CCIS ") preferably include and concern the archives part, and account management part, lead management system or sale are followed the tracks of and report (management information system or " MIS ") part.
Broad sense, each department of systematic connection large-scale commerce of the present invention bank particularly is linked to extensive central database the teller work station to allow the user inquiring database.According to an aspect of the present invention, provide the graphical interfaces still can be from described database acquired information with the user who allows to be unfamiliar with Structured Query Language (SQL).Described database is also connected to central customer information system (CCIS).The present invention is linked together and provides one to be Systematization method target and the effect tracking customer demand with client all these compositions.
Use system of the present invention, a department can determine the business activity at a business activity and coordination and local difference quotient industry center.System of the present invention can be target and produce a plurality of tables with a plurality of clients.
According to an important aspect of the present invention, system of the present invention is directly connected to online department system.Utilize this mode, preferably the clue of being loaded by the micromarketing center is sent to all departments automatically.For system of the present invention and processing, local micromarketing center is a particular importance.Particularly, the invention provides a kind of can the generation is used to discern various mail-orders address and micromarketing center to a plurality of tables of online CCIS department system link is provided.This gives described local micromarketing center and has the ability in that the disintegration station is available.But the micromarketing center can hide various addresses, for example shop or legal address.Make the clue that produces in this way on automatically, be loaded into a system, so that directly described clue is offered each mechanism in evening before that day.
About local micromarketing center, system of the present invention comprises that one allows local micromarketing center to produce the graphic user interface that is used to discern various mail-orders address and is connected to the table on the online CCIS department system.This allows main marketing center directly clue to be offered specific business activity.Usually, treatment scheme can followingly be described.At first, the user of department (bank management portion) decision sales promotion.The sales promotion idea is notified to local micromarketing center.System allows local marketing center to use the teller work station to produce described clue.Usually, can carry out 5 minutes to 24 hours according to type and request of scale of request.Described clue is loaded into automatically to be used in the system described clue is offered user of department and private banker at night in the previous day.The relation that the banker can use described clue then and build with the sale payment request.
Central authorities' customer information systems (" CCIS ") preferably include one and concern archives part, an account management part, a lead management system, or sell and follow the tracks of and report (management information system or " MIS ") part.Each part can produce a report, and this report offers described department and handles to sell completely.
Electronic marketing and back-up system preferably can with described system interface, be used to offer the single account that comprises gamut finance composition.Therefore, integral system of the present invention preferably includes a system, is used for offering preferably an account of transaction separately.Described system preferably can communicate by letter with department system with central database of the present invention, micromarketing center, central customer information system, so that data can be passed through between these legal and suitable systems.
Central database constitutes the basis of all application of the present invention, thereby can use micromarketing center, CCIS and account to offer system's visit central data library information (with providing information in some cases to central database).Central database of the present invention is a comprehensive and rich data storehouse, it has comprised in the relevant financial institution all information of clients and product, comprising department's product, bank card, tourism and dinner party card, student loan, investment, insurance and mortgage product etc.
Central database is designed to be can the guarantee information precision and described information is used by non-technical personnel easily.Therefore, system comprises being used to purify with standardization and is about to the device that the information that obtains, family oriented, create procedure, computing mode code are preserved a plurality of tables and calculative strategy mark.Most of field in the central database preferably utilizes the information that obtains at the end of month monthly to revise.
In a most preferred embodiment, central database the storage of position from described financial institution in the information in each shop and market.Central database can comprise the information that relates to existing customer's Financial Information, derive from outside information and about existing and potential customers' demographic informations.In this most preferred embodiment, central database is placed in the main frame and comprises a finance and consensus data's thesaurus.Information is supplied with and is sent into described database from comprising the shop and being provided and be used for each provenances of credit card of every products ﹠ services that this mechanism provides and outside automatic vending machine by described financial institution.The outside point that sends is supplied with and is preferably included all demographic informations that openly can obtain, phone number, address, tax and suitable record etc.
Data from these sources are stored with consolidation form.For this purpose, can use storage and uniform device or tame algorithm, name and address standardization and merging to handle.In addition, information preferably is kept in the described central database with three layers of hierarchy, thereby can visit this information on family, client and account level selectively.A given family can have one or more clients, and each client in this family can have the different accounts of some.
Therefore, central database is used as single central depository, is used to store the client-related information in whole shop.As describing later on, central database can be used for the extensive variation of customer service, financial analysis and sale purpose.
The central depository that all client-related informations of whole shop are stored in single being used to provide effectively possible in, this database needs enough problems to determine to occur greatly.For example, the inventor recognizes that the database of this scale is actually and can not be used for direct retrieval.Therefore, according to another aspect of the present invention, system of the present invention comprises that one is used to allow the user dynamically to set up a plurality of programs to retrieve the device of described central database.
Micromarketing of the present invention central station comprises one preferably with the device that is used to move multi-purpose computer of form of software design, is used to produce one and runs on Windows
TMPC or Macintosh
TMThe graphic user interface of computing machine (" GUI ").Still preferably provide the local copies of all tables and on the basis of the central database that uses by described workstation, constitute with the described device of running software multi-purpose computer.This has guaranteed that all users have up-to-date definition and field.
In addition, described system comprise one be used for by use drop-down window, icon, towing-and-descend and other characteristic that the user is familiar with makes the pass by device of each step of retrieval central database of user.In addition, this system also comprises a SQL query that is used for each request is set up " suitably ", and hiding private code and required grammer are able to running gear to guarantee these inquiries.At last, system comprises that also one is used for report and file are loaded the device of giving partial printing machine or memory device down.
In others, the workstation at micromarketing center also has the information that central database is comprised and retrieves and produce the ability that is used for marketing activity clue (being sales target) table.Little sale station allows the user to set up inquiry, stipulate or design a report, move described processing, and the result that promptly move described inquiry, will inquire about runs in the report, loads or export described report then down.
Little sale station also allows the user to produce marketing information or clue and these clues is directly offered CCIS.In micromarketing intracardiac can use a plurality of little sales station with response from the departmental manager to the request of selected sale scheme threaded list (promptly with new or existing product or the relevant marketing activity of service that provides by described financial institution).The micromarketing center is presided over work by the departmental manager and is bought family, client or the account's of product or service archives to determine most probable.Then, be formed centrally a specific inquiry in the micromarketing, at the described inquiry of central database operation and produce a report that includes best threaded list and be used for marketing activity with execution.
The workstation that is positioned at the micromarketing center can be retrieved central database and extract all families, client or the account table that satisfies specific choice criteria.Family, client that described threaded list is used for satisfying specific choice criteria with direct mail to marketing activity are that target or described threaded list directly send the CCIS that is used for telemarketing to.
CCIS of the present invention is market, management and a sales tool.It comprises a series of whole compositions that are used to observe customer information and managing customer contact and relation.Processing is comprehensively sold in the support of relation management composition.System provides following characteristic, and one allows suitable staff to watch the archives that concern of family and clients' accounts and balance amount information with detailed and simple form; Allow the banker that the client is enrolled such as account management characteristic in portfolio management and the personal relationship's supervisory routine; Be used for online transmission and set up characteristic by the required list of prioritizing and the relation of following the tracks of its result; Promote inhibit feature, provide information to the client and the non-client that do not wish to get in touch with phone and/or mailing; With contact history characteristic, this characteristic shows recently and each client's distribution is got in touch.
CCIS carries out a plurality of functions relevant with marketing activity.In order to understand CCIS better, the at first concise and to the point hierarchy of describing the financial institution that uses CCIS.Big banking mechanism such as the N.A of the Citibank all is organized into the independent public bank that some is positioned at different geographic regions.Each public bank comprises a plurality of independent Banking sectors.Banking sector is typically provided with departmental manager and some bankers.CCIS preferably includes and is arranged in the workstation of described Banking sector for establishing with man of Private Banking or departmental manager, also can be simultaneously with the official of bank or sales manager workstation to be arranged in the main office of public bank.In the various workstations each all has different functions according to user's solvency with responsibility in the bank.
The departmental manager receives by the threaded list of micromarketing center generation and by described clue electricity being loaded into the CCIS workstation in order to distribute between the man of Private Banking selected in department.The departmental manager is assigned to man of the most titular Private Banking with described clue and handles described clue, or specifies according to the workload and the available possibility of man of Private Banking.
Produce by the micromarketing center described table with after CCIS communicates by letter, man of Private Banking receives the visit to the above threaded list of CCIS workstation.Then, each client on man of described Private Banking and the threaded list is on sale throughout transaction (for example, telephone interview).Before marketing transaction and trading time period, man of Private Banking uses CCIS to watch whole archives (with detailed and concise and to the point form) and relevant other demographic information who is included in client in the central database of client and banking relations.This makes man of Private Banking carry out talking reasonablely and increasing whereby the success ratio of marketing activity marketing trading time period and client.
Next, departmental manager and the official of bank use CCIS as follow the tracks of and the Reports Administration instrument to catch the marketing information of every day automatically.The departmental manager uses CCIS visit and each relevant detailed sales transactions of man of Private Banking with the official of bank, and the result of watching comings and goings, to follow the tracks of achievement and as required described activity to be regulated.Departmental manager and the official of bank also use CCIS to reallocate clue so that the use optimization of sale resource in man of Private Banking and/or department.
The present invention preferably also comprises a system that is used to open an account, and is preferably in the independent transaction, and this system comprises: one is used to collect the device of the data that relate to client's finance and/or investment situation; Be used on the basis of collected data, carrying out the device of a required analysis; Be used to show the device of account information; Be used for the device on the basis of necessity appraisal, recommended; Be used to import the device that the client becomes component selections; Being used for that account's ingredient is added to a single account goes up so that the device that a single account that the desired service that provides of all clients is provided also satisfies client's needs to be provided the biglyyest; Be used to carry out the device of credit check; Be used for determining the device of flat fare according to the service that is provided; Be used for authorize clients and use the device of the remote access products that comprises bank of issue's card and personal identification sign indicating number device; Be used to discern the device of obliterated data and be used to urge the user to enter the device that also is not provided data.In a single day thereby described system also comprises the data field that is used for linking each composition and when collecting one group of data, just will organize the device that data offer all proper data sections.In addition, system must be made the user can walk around in data segment and the transaction afterwards by structure these data are provided.System preferably can communicate by letter with department system with central database of the present invention, micromarketing center, so that data can be transmitted between these legal and suitable systems.
An important aspect of system of the present invention is to allow current downflow on the data through handling, so that in a single day when collecting one group of significant data, these data promptly are transmitted on its needed each position.In other words, all similar data fields all are linked to together.This provides series of advantages.At first, even when some other user collects described data, this user (employee of bank) also will never the formerly already provided data of query user.Secondly, system user has dirigibility to collect data at them to the appropriate time that the client introduces in the process.The 3rd, in legal and suitable occasion, can handle to simplify from other source acquired information such as central database of the present invention.Similarly, the information that obtains during the processing offering of account can be by other composition of total system of the present invention, for example be that the lead management system of central customer information system (" CCIS ") or sell follows the tracks of and report (management information system or " MIS ") composition uses.
System of the present invention preferably also comprises a unsettled file storage device, this device be used to store be collected but be not the characteristic data that need at once.In this manner, if during client access bank, need these data, then can extract these data and needn't require the client that him or she is provided already provided data.In addition, information that obtain during the processing offering of account and that be stored in the unsettled file can be used by other composition of total system of the present invention, the lead management system of for example central customer information system (" CCIS ") or sell and follow the tracks of and report (management information system or " MIS ") composition.
Therefore, the invention provides a kind of sales process support system of integral body, comprise: central database, be used for data are inputed to from multiple source the device of central database, be used for the device of organizing rank standardization central database input data according to a plurality of, away from a plurality of teller work stations of central database, each teller work station wherein comprises database and display device on the geographic position; Thereby described a plurality of workstation comprises and is used to produce graphic user interface so that the user sets up the device of graphic structure retrieval and inquisition with selecting search criteria piece diagram, described graphic user interface comprise drop-down window, icon and towing-and-step-down operation; Be connected to a plurality of departments workstation of each teller work station by the telecommunication device; With the device that is used for data recording is transferred to from the teller work station a plurality of departments workstation; Central authorities' customer information system, this central authorities' customer information system separates geographically with department's workstation but is linked to by telecommunication, is used for converting the retrieval and inquisition of graphic structure to comprise required code and grammer the device of text query to guarantee that text inquiry can move; Be used to allow between teller work station and central database, to carry out the device of data communication; Be used for the searching database response receives structuralized query and discerns the record that is complementary with described inquiry from one of them teller work station device; Be loaded into the device of teller work station with being used for relevant and described inquiry is complementary under the data of record.
Described central customer information system includes a plurality of client's documents, and each client's archives comprise the demographic information and include client's Financial Information of credit information and financial targets; Be used for carrying out on required analysis, the basis to account of lead referral on the basis that is included in central customer information system information and then extracting the device of the information relevant to the client with selected account's ingredient in required analysis; And be used to allow the device of data communication between central customer information system and central database.
Central authorities' customer information system is preferably on the geographic position away from central database.When using whole this applications, term " separately geographical " and " geography away from " are meant all a kind of useful space intervals that is in different cities or national position in this way, rather than refer to the adjacent chamber of a buildings or the space interval of adjacent layer.Relate to most preferred embodiment, " separately geographical " and " geography away from " system is maintained at all in this way for example in the different cities zone of New York, Washington, California, Texas and Florida.
Described system can also comprise that one is used for following the tracks of the device that the client arrives in division office; Wherein said system also comprise one be used to follow the tracks of with report about with through sale handle new with the existing customer device of the information of relevant arrival department, this information comprises following information: the use of arrival form, stand-by period, sales transactions time, average exchange hour, sales tool, product type, the price of every kind of product, client's name and address, product type, visit purpose and representative of sales ﹠ marketing ID.
The present invention also provides a kind of identification sales target, and distributed sales clue and enhancing are used for the processing of the sales tool of the marketing activity, this processing and the system combined use that comprises central database; Be used for to input to the device of central database from the data of multiple source; The device that is used for the record that inquiry of searching database response structure and identification and described inquiry be complementary; At least one has the micromarketing center with a plurality of teller work stations of described central database telecommunication; A plurality of geographical department system of separating, each department system comprises at least one department's workstation; With central customer information system, described central customer information system separates with the workstation geographic position at department system place but is linked to by telecommunication.
Described processing comprises the steps: data are inputed to central database from multiple source; The data normalization imported and family are changed into a plurality of ranks of organizing in the described central database; The marketing activity idea is notified to the micromarketing center; On the basis of marketing activity idea, produce clue and be used to limit client's table as the target during the marketing activity by the user interface that standard is input to described teller work station; Setting up structuralized query responds selected standard and uses described structuralized query to retrieve described central database, record and generation client with selected matches criteria in the identification central database show to distribute described client's table as the target during marketing activity with to described department workstation electricity.
Described processing also comprises the steps: to show about at the archives that include in described client's sales transactions during the marketing activity from the relevant customer information on described client's table of described department workstation.In addition, this processing can also comprise the step of using permission micromarketing center generation to comprise the file of address and this document being sent to the graphic user interface of the department system of separating on the geography.
Described processing can also comprise one division office follow the tracks of the client arrive with follow the tracks of and report about with through sale handle new with the existing customer step of the information of relevant arrival department, described information comprises: arrival form, stand-by period, sales transactions time, on average use, product type, price, address name and address, product type, visit purpose and the representative of sales ﹠ marketing ID of every kind of product of exchange hour, sales tool.
In addition, employed term during this is used " the geographical separation " and " geography away from " are meant the space interval that separates rather than refer to a buildings adjacent chamber or adjacent layer such as the useful space of position in different cities or the country.Relate to most preferred embodiment, described " apart " and " space away from " is maintained at all in this way for example in the different cities zone of New York, Washington, California, Texas and Florida.
To make clearer that the present invention becomes with reference to the accompanying drawing description of this invention, wherein:
Fig. 1 is the high-level diagram of sale of the present invention and service back-up system;
Figure 1A is to use the sale processing flow chart of system of the present invention and processing;
Fig. 2 is the synoptic diagram that shows the composition of central database;
Fig. 3 shows three other block diagrams of main level of storage (family expenses) information in central database;
Fig. 4 A-4D shows the block diagram that the data that are configured for visiting central database connect the various tables of device;
Fig. 5 has shown the process flow diagram that produces the treatment step of threaded list on the basis of the standard of the workstation of selecting to enter into the micromarketing center from described central database;
Fig. 5 A-5H is the demonstration that is used for the various graphic user interfaces of the intracardiac workstation of micromarketing, and they show registration processing, structuralized query, are defined for the processing of the described inquiry of operation and produce a report, described clue is offered specific activities and loads the processing that a file is given online department system down;
Fig. 6 A shows the process flow diagram of visiting and importing from the initialization process step of central customer information system information;
Fig. 6 B-6C shows the process flow diagram of watching various clients and family's document screen treatment step from central customer information system workstation;
Fig. 7 shows the process flow diagram of the treatment step of the account management function of using central customer information system;
Fig. 8 A-8C shows the process flow diagram that the relation of using central customer information system is set up the treatment step of system;
Fig. 9 A-9B shows and uses being used to sell and following the tracks of and the process flow diagram of the treatment step of function of reporting of central customer information system;
The block diagram of Figure 10 A shows the step of opening an account to the most preferred embodiment of new client's method in integrated financial of the present invention system;
The block diagram of Figure 10 B shows the step of opening an account to the most preferred embodiment of existing customer's method in integrated financial of the present invention system;
Figure 11 A-11C shows and is included in the process flow diagram of handling in account's selection/required analytical procedure in the method shown in Figure 10;
Figure 12 A-12E shows the process flow diagram of most preferred embodiment that method is as shown in figure 10 set up the treatment step of Profile;
Figure 13 A-13M shows the process flow diagram that is used to carry out the optimization process of setting up account's step in the method shown in Figure 10;
Figure 14 A-14G shows the process flow diagram that is included in the processing in the account service step in the method shown in Figure 10;
Figure 15 shows and carries out the process flow diagram of carrying out the step of printing the registration form in the method shown in Figure 10;
Figure 16 A-16F shows the optimization process of access level step is set in execution according to method shown in Figure 10 process flow diagram;
Figure 17 A-17B shows the process flow diagram of carrying out the processing of tracking step in the method shown in Figure 10;
Figure 18 A-18C shows the embodiment of the financial statement fax screen display that is produced by system of the present invention.
Process for ease of selling, system of the present invention is linked to one with all departments of large-scale commerce bank Rise. Particularly, a large amount of data basd links is received the teller work station in order to allow the user to inquire about described number According to the storehouse. According to an aspect of the present invention, provide a graphical interfaces to allow to be unfamiliar with structuring The user of query language can be from described database acquired information. Described database also is linked to central authorities Customer information system (" CCIS "). The present invention with all these departments be linked together and provide with The client is target and follows the tracks of the Systematization method of the effect of customer demand.
Use system of the present invention, department can determine an activity and with local micromarketing in The heart is coordinated described activity. System of the present invention can be used for making target and producing a plurality of tables with the client.
According to an important aspect of the present invention, system of the present invention directly is linked to system of online department System. In this manner, best clue by the micromarketing center loaded can automatically send to many Individual department. Described local micromarketing center is particular importance for system of the present invention and processing. Particularly, the invention provides a kind of can the generation be used to identifying various addresses and being provided to online The micromarketing center of the table of CCIS department system link. This gives local micromarketing center and is analyzing the worker Do can to obtain in the station have the ability. In addition, the micromarketing center can hide various addresses, example As, commerce or legal address. The clue of using this approach to produce can be automatic in evening before that day On be loaded into system, in order to directly described clue is offered a plurality of departments.
About local micromarketing center, system of the present invention comprises a graphic user interface, is used for Allow local micromarketing center produce to be used for identifying various addresses and be linked to online CCIS section A plurality of tables on the door system. This allows original marketing center directly described clue to be offered a spy Fixed movable. Usually, selling handling process can be described as follows with reference to Figure 1A.
At first, the user of department (bank management department) determines sales promotion. The sales promotion idea is notified to the place little Marketing center. System allows local micromarketing center user's work station to produce a plurality of clues. Logical Often, according to scale and the type of request, a request can be carried out 5 minutes to 24 hours. Clue Automatically it is upper in evening before that day described clue is carried to be loaded into system's (preferably composition of CCIS) The user of supplying sector and man of Private Banking. Man of Private Banking can use then calls relevant with sale Clue and relational document (preferably also being the composition of CCIS).
Central authorities' customer information systems (" CCIS ") preferably include a relational document composition, an account The management composition, lead management system or sell follows the tracks of and report (management information system or " MIS ") composition. Each composition can both produce and offer user (division management section) to finish sale Mabage report.
Electronic marketing preferably can comprise that in being used for opening whole finance become by interface with service supporting system The single account that divides. Therefore, integral system of the present invention preferably also comprises for preferably one The system that opens an account in the independent transaction, described system preferably with central database of the present invention, Micromarketing center, central customer information system are communicated by letter with department system, in order to make the data can be at this Transmit between a little legal and suitable systems.
Detailed below in conjunction with accompanying drawing with reference to most preferred embodiment of the present invention.
Fig. 1 and Fig. 2 show overall diagram of the present invention.This system comprises central database 10, has the micromarketing center 11 of a plurality of workstation1s 2, central customer information system (" CCIS ") 13 and account open system (AOS) 17.These compositions can be and other composition " geographical separates " or " geographical away from " and be linked to together so that make micromarketing center 11 and CCIS 13 and central database 10 telecommunications by telecommunication link 14,15 (for example, X2.5 network) or other device each other.When using whole this applications, term " the geographical separation " and " geography away from " are attempted to provide such as the useful space interval of position in different cities or the country rather than are attempted to provide the space interval of a buildings adjacent chamber or adjacent layer.In conjunction with most preferred embodiment, " geographical separate " and " geographical away from " system is maintained in the national zones of different, for example New York, Washington, California, Texas and Florida.
Particularly, the workstation1 2 at micromarketing center 11 comprises the software such as Omnis 7, and Omnis 7 is by the main computer communication of SYBSE gateway and token-ring network and central database 10.In this manner, if the user has inquiry or report that the acquisition of authorizing is asked, then system can be by arbitrary remote location access.
As employed in following description, " clue " is exactly to be the client or the non-client of specific purpose sell to attempt on the basis that may need.Described clue can self-identifying, can be a part of attempting or the part of short-term activity." activity " is one group of new and existing products ﹠ services that provided by described financial institution with introduction or expansion via CCIS 13 administrative purposes target marketing clues (client or non-client).
Here employed " transaction " typically refers to and utilizes the meeting of phone between man of Private Banking or other representative of sales ﹠ marketing and client, and this meeting causes the sale of product or causes serving other member who is sent to client and/or client family.The utilization transaction is met the client, the needs of customer account management department is discussed and is provided products ﹠ services to satisfy client's needs.
Term " product " typically refers to the terms such as savings, investment, loan or hypothecated account of financial institution.Term " service " typically refers to by what financial institution provided and pays thing the house accounts such as list, insurance check except that savings, investment or such as credit card, brokerage, direct access, the check that is used as cash, phone.Term " product " and " service " are used for whole the application interchangeably.
Details are as follows for various composition of the present invention.
Central database
The purposes of central database 10 be the storage of position from financial institution in the information of each shop and department.Under the situation of for example bank, particular client has a check account, have student loan with by the bank card request repeatedly or the fact relevant with various products can be stored in the central database 10.
Data from each supplier 21-25 all are stored in the central database 10 with consolidation form.For this purpose, preferably use even storer, family's algorithm, name and address standardization and merging to handle.In this manner, central database 10 is used to store all information relevant with the client that financial institution obtains as a single central depository.Family's algorithm is got in touch the single unit that becomes to be considered to one family with different accounts on information basis such as maintain secrecy such as identical last name and identical address or same name or different account numbers specific representing same individual or live in personnel in the same family number.Home treated provides a kind of reasonable manner to obtain data and logically to extract these data from central database 10.
Pointed as Fig. 3, information preferably is kept in the central database 10 with three layers of hierarchy one family, client and account.A given family can have one or more clients, the different accounts that can have some with each client in the family.As will discussing by binding data storehouse device below, three layers of hierarchy are meeting and inquiry, and each level of observing family, client and account's level of the user relevant with report provides " key ".Central database 10 can be used to extensively change customer service, financial analysis and sale purpose.
The password of private data storehouse 30 store storage authority lists and user ID and each system user.Because financial institution uses sensitive and important information, so it must be with each user's restrict access to can only being that those carry out the necessary database area of his or she operation.For example, when the user when a geography registers in the system away from workstation (aftermentioned), database will be carried out the verification of maintaining secrecy and provide the user ID and the password that are fit to guarantee the user, give that user's authority limited subscriber to access of database according to qualification then.
About each files on each of customers, preserve about the information such as the teller work station that is included in RAM quantity in the described workstation and hardware device scale in private data storehouse 30.Private data storehouse 30 determines also whether the user can visit such as some account who sells hypothecated account and the account of private bank, and whether decision gives the visit that the user carries out responsive name and address information.
System of the present invention has enough dynamic perfromances, thereby system will verify the description that element had on the basis that receives user's request relevant with element-specific.If there is no this description, the particulars of relevant this element of the necessary editing and processing of user.From regional data base 31 initial load down after, data vocabulary and index be best to be kept on the teller work station operation with enhanced system locally.
Logical data base device ingredient
Second composition (data extractor composition) picks up all data item time that the user needs.These two compositions can co-operation in same operation, or the user can keep described key to be used for processing At All Other Times.In addition, the inquiry of some type does not need to extract key, just can directly obtain data under the situation that does not have middle key extraction step.
If the user asks and keeps described key, so, the user can use the key that is kept to pick up different field groups (using the data extractor composition of data library device) in the different time.In addition, the user can also give old group to reduce crucial code character (with the new group of reservation, or replacing old crucial code character) by applying additional standard.
Two compositions are relevant with two compositions of inquiry particular conversion: 1) in a composition, the user stipulates the standard of identification field search; 2) in another composition, the user stipulates the mark that the user wants from selected field.This two composition can once carried out also and can carry out respectively.When carrying out composition 2, the user can provide the key field of formerly setting up.In addition, new crucial code character can be from obtaining by applying the crucial code character that additional standard sets up the preceding.
As AUTHID, keep described key with user ID by using the DB2 table.This means that key code table can only be its user capture of building.Operation control/scheduling backup system preferably keeps the tracking to the user/inquiry/execution under the crucial code character.Operation-control system will be with the cycle deletion not being used in time of being kept in basis at one-period and be that the basis is not by the key of usefulness (for example, following the tracks of the purpose of report for producing the cycle program) again with the cycle.
Even the user does not want the key that kept, if can strengthen operation really, described data library device also can temporarily keep crucial code character in the middle of (obtaining a kind of mode of end product).Some scheme of operation conditions for this reason will be described below.
Can be separately or extract the data extractor composition of the data library device 40 that composition carries out in case under the situation that described key is extracted, have the function that from described database, obtains desirable data with first key.If it utilizes first composition to carry out, described key can be retained in the table, but should be by from the main program parameter of SQL statement the preceding.
Usually, the user wishes to obtain serial account's relation of the whole family (or client).Account data is stored in separately in the table of central database, and after this described table is referred to as assets/debt (ALA) and bank card (BC) table.Usually, the user who seeks relation information likes seeing the account with the same home that accompanies each other.For fear of must be to obtaining desirable series classification (UNION ALL will visit the ALA table before BC table), program will be opened the cursor on each account table and utilize and merge logic and provide output by family's (key) order.When being remained on when only being read out one time in the storer by DB2 because of it from the key of key code table, the advantage of this arrangement is that the I/O on ALA and BC table can parallel processing.In addition, because data call over by the cluster key, so dynamically looking ahead of order may be connected in all tables, consequently processing speed is accelerated.
The typical SQL SELECT statement that the present invention uses is as follows:
SELECT?output columns
FROM?ALA?table，KEYS?table
WHERE
HH_NO?in?ALA=HH_NO?in?KEYS?table
Be used for ALA series account and
SELECT?output columns
FROM?BC?table，KEYS?table
WHERE
HH_NO?IN?BCO=HH_NO?in?KEYS?table
The bank card group that is used for the account.
If the user wishes to obtain data from family and/or client table, in each SELECT statement, will link these other table.If family's key is tactic according to the kinsfolk, so, because DB2 incites somebody to action dynamically continuous looking ahead on each table, so this link is very rapidly.In addition, because two SELECT of executed in parallel, so, owing to finding family (and/or client) row in the storer of being everlasting, DB2 make performance very superior.Utilize this facility, by this very large DB2 database, the access speed of data is fast especially.
If described key not in reservation table or from another SELECT statement in the described program, only needs by the link of deletion key code table and replaces the key value that is stored in the WHERE clause statement master variable above-mentioned SELECT is made amendment.DB2 still carries out dynamic prefetch to obtain data to all tables.
Described generator program comprises a simple merging logic that is used for by the output of key order.In order to obtain needed access path, in the SELECT statement, may need ORDER BY order, suppose at first to visit described key code table, use the nested loop link method then.Otherwise, get key code table respectively and use master variable rather than link condition.
Above-mentioned SELECT statement hypothesis will be extracted all serial account relations relevant with each family at every turn.But, the user only can ask from these three tables one data and/or add in the additional described output of criteria limit.Apply the task of being carried on a shoulder pole that additional standard should be used as other composition of data library device.
In some cases, it may be unnecessary at first extracting key, for example, may use can carrying out need not at first to extract under the situation of key in the relational query that has sole criterion on family or the client's level of the row that add up.But because the account relevant with the same family do not have not together (owing to having used UNION ALL) in output, this inquiry may need the back to extract classification.Non-relational query, promptly single table inquiry and rule link do not need to keep described key yet.
Word " path " is used to describe the particular group standard at the particular group data.In the present invention, have account path, family path, registry path and, inherently, program track path and special super family path.
The advantage of described path notion has two: the first, and it has organized the inquiry specification in the mode of directly perceived and relationship consistency, and for example in the process in use account path, the user stipulates that described family must (or not must) comprise the account with some characteristic.The second, described path specification and SQL have quite directly correspondence, thereby make it than being easier to be transformed into SQL statement.
When using this notion of path to describe some details relevant, in user conversation, do not need to understand the path notion with data library device 40.The workstation1 2 at micromarketing center 11 and CCIS 13 impel the user to produce by the inquiry right problem can be used to analyze the parameter of inquiring about about the aspect, path.
The account path allows the user to select to be fit to family's (or other key) of single account listing standard.That is, the account path offers all families that comprise given product account, wherein, can be arbitrarily selectively, this product also has some other attribute.The SELECT statement relevant with the account path is:
SELECT?DISTINCT?HH_NO
FROM?ALA
WHERE
(PRODUCT_CODE=) AND (... other account's specified conditions) product code can be P type, S type or product-derived sign indicating number.Because unique value or code may depend on the combination of row, stipulate that these values (dialogue) to a certain extent may more complicated.If the user wishes to be defined in the product code on the COS rank, use at the mark of family level and the variable that adds up and in a step, can answer described inquiry.
But even in this case, the user also can wish to stipulate other characteristic (opening data, individual account remaining sum etc.) that the product that just can change at the account level place must have.This inquiry will be collected all families of the account of suitable product and correlation properties.Standard in bracket offers a product.DISTINCT clause can be used among the inquiry to delete the contingent duplicate family that has more than the account of institute's request type.
The user can wish to obtain the family of a kind of product of some characteristic, or has the family of the other products of some other characteristic.Perhaps, the user family that can wish to be comprised other type products simultaneously or not comprise other type account.
Usually, this is a theoretical question.It can be used as the SELECT statement that each independent account path has caused obtaining carrying out and obtained a series of key at family's rank (group HH1, group HH2... group HHn) or levels of clients place.Last desirable one group of family is from following logical statement:
HH1?
AND?HH2?
OR?HH3?
NOT?HH4....
Wherein, round bracket is used to illustrate sequence of operation.In SQL all above-mentioned all be equivalent.For example following SQL statement:
SELECT?DISTINCT?HH_NO
FROM?ALA
WHERE
(PRODUCT_CODE=?)AND
(... by other account's specified conditions of and/or link)
AND?HH_NO?IN
(SELECT?HH_NO
FROM?HH2_TABLE)
Be similar to make preceding two groups with, wherein, second group of key (HH2) that HH1 group and inner sorting priority of use are selected and kept represented in first SELECT statement.If two groups of HH1 and HH2 represent by the key that is stored in a plurality of tables, by between two groups simply link can obtain and concern.
Above-mentioned method of dealing with problems is not best, because it need arrive a plurality of paths of described database.Under many circumstances, only need a path.Different situations are discussed below.
If the user wishes to obtain having a kind of account or other account's family, so above-mentioned approach needs two independently account path specifications (dialogue), generates two SELECT statements.Each case statement will be performed and obtain two groups of families.Then, will be got or be concerned for these two groups.
But, by adding other bracket in the parenthesis in a SELECT statement, can be easy to realize identical purpose:
SELECT?DISTINCT?HH_NO
FROM?ALA
WHERE
(PRODUCT_CODE=(first product code)
AND (... by other account's specified conditions of AND/OR link)
OR
PRODUCT_CODE=(second product code)
AND (... by other account's specified conditions of AND/OR link))
All relevant characteristics of certain accounts that statement regulation in the bracket and described family must have.The OR operational symbol allows the user to stipulate all characteristics of other type account that described family must have.For example, second kind of account can have different payments balance etc.If selected family has an account of one of two groups of characteristics at least, so, utilize inquiry can select described family.Because described logic is applied to delegation at every turn, so, can carry out the OR logic at a data inlet.
The another kind of mode of regulation OR logic is to use the IN object, in the following example:
PRODUCT_CODE IN (product table) still, by using this statement, any other condition of stipulating in WHERE clause all may be applied to (for example ANDBALANCE＞4000 will be applied to separately on each product) on selected each PRODUCT_CODE.Described workstation software guarantees that dialogue difference under two kinds of OR logic situations is to avoid pitfalls.
If the user is seeking the family that has two kinds of (or multiple) accounts simultaneously, so, inquiry has two (or a plurality of) account paths, and consequently case statement will be complicated more.There is another kind of approach can be configured for the case statement in two or more account paths.First kind of correlated subquery is as follows:
SELECT?DISTINCT?HH_NO
FROM?ALAA
WHERE
({A．PRODUCT-CD=?AND(A....?)})
AND?HH_NO?IN
(SELECT?HH_NO
FROM?ALA?B
WHERE
A．HH_NO=B．HH_NO
AND
({ B.PRODUCT-CD=AND (B....) }) family's table in son is selected can be retained and be taken back as key code table.This key code table can be linked to more senior selection (meaning that described family must satisfy two standards) or (AND HH_NO IN...) and outside SELECT get in touch in the same manner.
In addition and the more effective and efficient manner of doing this part thing is to link between two original tables, and is as follows:
SELECT?DISTINCT?HH_NO
FROM?ALA?A，ALA?B
WHERE
A．HH_NO=B．HH_NO
AND
({A．PRODUCT_CD= AND(A....)}
AND
{B．PRODUCT_CD= AND(B....)})
Two paths to data have been avoided in the use of correlated subquery.But, since with the same family in the data of other line correlation will be arranged in storer possibly, so the link approach is identical.Under one of these two kinds situation, should comprise the benchmark program of a data librarian and come into force so that make to carry out.
In addition, an inquiry may the intermediate result destroyed and kinsfolk be stored.The index that is used for product code preferably is used to increase the speed of retrieval.The different HH_NO that is extracted can be saved and re-use later on.Or directly send the second data extractor composition to.
The NOT path always needs two data paths.If the user wishes not had certain account's family, then data library device 40 is at first searched the family with the sort of type account.Then, system finds the complement code of these families.Following case statement provides an example in NOT path:
SELECT?DISTINCT?HH_NO
FROM?ALA?A
WHERE
HH_NO?NOT?IN
(SELECT?HH_NO
FROM?ALA?B
WHERE
({B．PRODUCT_CD= AND(B....)})
The use in NOT path does not resemble and seems that so simple reason has two.The first, the complement code that does not add restriction may not be that the user seeks, the second, if this mode to be proposed, described inquiry may be carried out to such an extent that be on duty mutually.
Usually, when on the account path, the user will stipulate not only to depend on such as finance (account balance, transmission quantity etc.) fully and describe the variable of (open data, distribution state) variable and the product of phasing pass condition by using, also regulation is decided the product of other condition by the variable of use with account's indirect correlation such as organizing rank, geographic position etc. simultaneously.Be correlated with, these variablees are parts of the key in other places, and the relation between account unit and ORG or geographic unit has been set up in their existence in account's row.
Best, the retrieval that user's logic is intended that described family should be limited in this and organize in rank, the geographic position etc.In this case, user view can not be realized in above-mentioned SELECT statement.The SELECT statement that launches below will make this point clearer:
SELECT?DISTINCT?HH_NO
FROM?ALA?A
WHERE
HH_NO?NOT?IN
(SELECT?HH_NO?FROM?ALA?B
WHERE
((B．ORG?AND?B．GEOGRAPHIC，etc．conditions)
AND
({ B.PRODUCT_CD=AND (B.other_product_conditions...) }) in this expression formula, son selects to have the ORG/GEOGRAPHIC condition, so, the retrieval in this account's son group (family) of product condition.But, when carrying out complement code, there is not this restriction, database comprises retrieval all families that do not belong to described tissue and geographic position.The family's group that is generated usually will be more greatly and is not that the user is desirable.
In order to overcome this problem, must repeat ORG and GEOGRAPHIC condition in externally selecting.The most suitable expression formula that is used for NOT path SELECT statement is as follows:
SELECT?DISTINCT?HH_NO
FROM?ALA?A
WHERE
(A．ORG?AND?GEOPRAPHIC，etc．conditions)
AND
HH_NO?NOT?IN
(SELECT?HH_NO
FROM?ALA?B
WHERE
((B．ORG?AND?B．GEOGRAPHIC，etc．conditions)
AND
({ B.PRODUCT_CD=AND (B.other_product_conditions...) }) still, because a plurality of accounts that a lot of families have different ORG and GEOGRAPHIC value, so just problem occurred, the family whether system allows those less accounts with suitable ORG/GEOGRAOHIC condition and while not to have desired type NOT account closes.This is referred to as original (Prime) to practical problems; Whether system should use original account's PRG/GEOGRAPHIC (being stored in family or the client table) or any account's PRG/GEOGRAPHIC.If answer is original (primary), so, outside selection will be checked family's table.
This inquiry must be provided with benchmark program in database manager.When the family in NOT IN table is too many,, two kinds of selections are arranged in order to reduce the time that is used to inquire about.The first, the processing that index of reference is not complementary via the remainder with HH_NO in database, described IN table can be stored and have according to the order of sequence to be read again.The second, can utilize family's index that family's key is stored in the table.Utilize a kind of of these two kinds of selections, database will be carried out NOT IN logic very effectively.
Utilize following SELECT statement, NOT ACCOUNT PATH can be added to the preceding on the ACCOUNT PATH at an easy rate:
SELECT?DISTINCT?HH_NO
FROM?ALA?A
WHERE
(A．ORG?AND?A．GEOGRAPHIC，etc．conditions)
AND
({A．PRODUCT_CD=?AND(A．other_product_conditions...)})
AND
HH_NO?NOT?IN
(SELECT?HH_NO
FROM?ALA?B
WHERE
(B．ORG?AND?B．GEOGRAPHIC，etc．conditions)
AND
({B．PRODUCT_CD=?AND(B．other_product_conditions)})
Family path, registry path and program are discussed are below followed the tracks of and surpass the combination in family path and they and account path.
Described family path is used to stipulate to be applied to the condition of whole family.These conditions can directly or indirectly be stipulated.Direct regulation is to use a plurality of row in family's table to carry out.Be an example below:
SELECT?HH_NO
FROM?HHD?A
WHERE
(A．ORG?AND?A．GEOGRAPHIC?conditions)
AND
Last condition of A.HH_CHK_TOT_BAL＞10000 is to use an example of the variable that adds up in advance.
When no matter described family is made up of the condition of using existing family variable in the time of at what, family's path condition and any one account's path condition are combined and obtains execution at a data inlet by means of link.Following SELECT statement provides such example:
SELECT?HH_NO
FROM?HHD?A，?ALA?B
WHERE
A．HH_NO=B．HH_NO
AND
(A．ORG?AND?A．GEOGRAPHIC?conditions)
AND
A．HH_CHK_TOT_BAL＞10000
AND
({B．PRODUCT_CD=?AND(B．other_product_conditions...})
But, some the time, can not stipulate family's level conditions by using the family's variable stored.For the needed variable that adds up in the low product level of COS rank that added up than quilt in family's table is exactly like this.This family path must be carried out in the independent SELECT statement that uses GROUP BY and HAVING clause.Typical example is:
SELECT?HH_NO
FROM?ALA?A
WHERE
(A．ORG?AND?A．GEOGRAPHIC?conditions)
AND
({A．PRODUCT_CD=?AND(A．other_product_conditions...})
GROUP?BY?HH_NO
HAVING
(SUM(ACCT_BALANCE)＞500
AND
(SUM(ACCT_CR_LIM)＞10000
AND
COUNT(*)＞3)
Family's generation group can be retained (permanent or temporary transient) with other family's group in identical or other inquiry in conjunction with (AND/OR/NOT IN).
If index is used to remaining sum, loan restriction, ORG, GEOGRAPHIC variable etc. and comprises kinsfolk among them, the execution of these inquiries will be fast especially.Owing to add up and exceeded account data, so dialogue can be with the group specified in the regulation of this request and account path altogether.Data library device can be provided with selectively, thereby makes ORG and GEOGRAPHIC variable reference reality and/or initializaing variable.
The client path is very similar to the family path.The key distinction is to utilize this path, and the combination of family and client's value is retained and is used as a key.
Definition list
Block diagram shown in Fig. 4 A-4D shows about preserving relevant with data library device 40 and being used to visit the various tables of the definition of central database 10.Fig. 4 A shows the definition list that is used for parameter database 32; Fig. 4 B shows the definition list that is used to produce database 33; Fig. 4 C shows the reference table that is used for data library device 40; Show the definition list that is used for regional data base 31 with Fig. 4 D.
Referring to Fig. 4 A, the definition list that is used for parameter database for example comprises " Query Run (an inquiry table) " that has as the abbreviation " QRN " that is used for described heading letter initialism, and Query Run table is filled with from the information that inputs to workstation1 2 initial query.Whether data library device 40 is read Query Run table continuously has any new request to be suggested to have a look at.
Query Run table tells system that whether new request processed.If a new request is processed, Query Run table reads other parameter list and all information that provided by workstation1 2 is provided.Then, Query Run table generation SQL and Cobal program are used for described inquiry.Data library device 40 is then by producing a queried access that moves at family, client or account table and extract data from central database 10.
Other table shown in Fig. 4 A is the query logic task list.This table comprises about there being what operations logically to be carried out to produce the information of an ad hoc inquiry.
Shown below what go out is the path relation table for Query Logical Task table among Fig. 4 A.This table is a target with the field relevant with ad hoc inquiry.That is, whether path relation table specified data storehouse device 40 produces family rank key, levels of clients key and the account level key relevant with each inquiry, or does not produce an output explanation that is used to extract real data.Described routing table relates to the path relation table and whether the notification database device uses family or account path.
QLT input table tells data library device 40 whether described inquiry is an output explanation or denys that it is not just extracting a report or key.This table also provides the information that is being used to extract a report about the program of any type.
Which central database what the path checked that table is used to need visit to data library device 40 interpreting users is.Path row reference table comprises the information of system with employed path type (path id) of telling.For example, row reference table in path is used to tell whether system produces one " contain (comprising) ".Described contain is an order, and it is used to extract all families, client or the account with (or providing) some financial product (for example, check, deposit, CD etc.).Contain can also be used for only obtaining some families again in specific bank or department.
The added limitations information that path clause table provides the user to squeeze into.For example, except a people with check and deposit, inquiry can also be restricted to also has the balance of deposits greater than a, people of 000.This information will be stored in the path clause table.
Generation database table shown in Fig. 4 B comprises some and the identical table of parameter database shown in Fig. 4 A.Utilize data library device 40 to read to inquire about the zone of operation once more.Described generation database is included in all information that produce on the basis of information in the parameter database.These information are read out and are logically handled to set up SQL, and this SQL will be inserted into the Cobal program then to extract data.The SQL code table comprises the actual SQL code that is produced by database.After the SQL code information was stored on the SQL table, other composition of data library device 40 is sense information from this table.
Other composition of data library device 40 extracts the SQL sign indicating number and described SQL sign indicating number is inserted in the Cobal program from produce database.Then, system uses this Cobal program to set up JCL.System uses the JCL of standard to produce its needed all JCL, then inner reader is submitted in this operation, and here this operation is compiled.Next this operation produces submits actual another operation of carrying out operation to, and this is carried out operation and extracts desired data then from central database 10.
Reference table shown in Fig. 4 C comprises the various reference information tables that are used to provide the formula inquiry.The key type list comprises the key type that will be extracted and about the information of each key column.System's control table is one and is used to provide and the dynamic parameter list of the supply of the used parameter correlation of change system.The registration of job login table arbitrary error that preservation takes place.The Limit Type table comprises about with the relevant information of accessed tissue (for example, the some accounts in specific bank or department).This information is used to add up the best mode that purpose is used for determining to produce described SQL.As mentioned above, have some mode and constitute SQL statement, this makes SQL more effective for a large amount of accounts of retrieval or information.
For example, when an inquiry was transfused to, what accounts will be system will define was included among each of the dissimilar accounts (for example, check, deposit, CD etc.) that need retrieval.Type of account with minimum number account (row of minimum number in account's row) will at first be inserted among the described SQL to be used to make the speed and the maximizing efficiency of retrieval.Identical processing is used to a plurality of tissues.That is, retrieve more than one tissue (bank, department etc.) if desired, the tissue with minimum number account will at first be retrieved by described system.
State when operation intensifies table and comprises operation and be performed.Organization table comprises the description of each bank and department.The product table comprises the description of every kind of product.Watch relation table to comprise about which kind of intention information that other intention is relevant and which kind of other epiphase of table and which kind of closes with which kind of.Errors table is registered in all errors that system's run duration takes place.
Referring to Fig. 4 D, the regional data base table comprises SView, PView, Groups, Elements and EFunc table.These tables are stored in the neutralization of high-level data dictionary and are kept in the data library device 40.Be extracted out and be placed in other one group of DB2 table that comprises super large intention id from the information of these tables.Described super large intention is used to limit logical path associated with the query and some correlation table is linked to together.
The micromarketing center
The present invention includes one or more micromarketings center, wherein each comprises that the best workstation1 2 that is used by Banking sector is used for discerning client's table to sell new financial product and service on the basis of demography, account balance, product, entitlement etc.The regional micromarketing center that preferably provides a plurality of geographic position to disperse.Micromarketing center 11 produces a plurality of files that comprise the sales lead that can directly be loaded into CCIS13 down.These are sent to the departmental manager who coordinates achievement through CCIS13 then by the clue that loads down, move these clues to sell new product and the service that is being provided by using CCIS13.
When being used to store the single central depository that spreads all over all client-related informations of described financial institution when great potential customers are provided, need a very large database, so that it can not directly be retrieved by reality.Therefore, the present invention includes a device that is used to allow the user dynamically to set up to be used to retrieve the program of central database 10.
System of the present invention in micromarketing center 11, comprise at least one, a plurality of workstation1s 2 preferably, show with the information sales lead (being sales target) relevant with marketing activity that allows user search to be included in the central database 10 with generation.Most preferred embodiment comprises two dissimilar workstations--the workstation and the micromarketing workstation of analysis.The analytical work station allows the user to set up an inquiry, stipulates or designs a report and move described processing, promptly moves described inquiry, and the result that will inquire about forms a report then.This report then can by under load or export.Little sale station allows the user to carry out with the workstation identical functions of analyzing and also produces market information or sales lead and these clues are directly offered CCIS13.
In addition, this system comprises the device of each step that is used to that the user is passed by and sets up retrieval request, comprise use with the similar drop-down window of modern computer users, icon, towing-and-descend and other characteristic.In addition, this system comprises that also a device that is used to set up " suitably " SQL query relevant with each request and cache need special code and grammer will move to guarantee these inquiries.This system also comprises and is used for and will be loaded into the device of local workstation1 2 under described report and the document.
The micromarketing center has the ability that is used to discern various addresses and the online CCIS department system of link that produces.In this manner, file itself can be loaded onto in the online department system.Because commerce or law, micromarketing center preferably have the ability of hiding various addresses.
A plurality of little sales station 12 preferably can constitute described micromarketing center 11, so that response is from the request of division management person about the threaded list relevant with selected marketing procedure.New and existing product or the relevant marketing activity of service that provides with financial institution be provided described marketing procedure.Micromarketing center 11 utilizes division management person's work to determine the most possible archives of buying family, client and/or the account of marketing activity product or service.The micromarketing center forms a specific inquiry then, at this inquiry of central database operation with produce a report that comprises the best threaded list relevant with each marketing activity.
Workstation in the micromarketing center provides a device that is used to retrieve central database 10 and extracts all families, client or the account table that satisfy specific choice criteria.These threaded lists are used to then being target to the client who satisfies the specific choice criteria relevant with marketing activity or the direct mail of family, or described threaded list is directly sent to CCIS13.
Referring to Fig. 5, little sale station 12 at first shows a registration screen behind power connection.This registration screen is provided to the secret control that workstation1 2 and central database 10 conduct interviews.After input user ID and password, workstation1 2 activates remote procedure call to verify user ID and passwords at central database 10.If user's ID and password are effectively, log-in window disappears and provides the remainder of a pair of system promptly to comprise the visit of next stage menu on little sale station.If the user is authorized to conduct interviews, so, files on each of customers, right of priority and suitable remote procedure call will be read into and be used for initialization and normalization operation interface.
After active registration, will be that the bulletin board message that is used for active user ID is checked.If found the message do not read, the user will be prompted to check the message table of not reading, but the user can ignore this prompting and read described message in the time after a while.Be right after after registration, show a menu, shown in Fig. 5 A, this menu allows the user to select between analytical work station and micromarketing function.Described menu also provides visit to other function to the user, comprises public utilities, special permission performance, the basic archives of client and transaction reporting etc.
Selecting on the basis of analytical work station or micromarketing from the menu of Fig. 5 A, next workstation will show a master menu, shown in Fig. 5 B, serve as the senior visit of setting up and opening workstation1 2 employed inquiries, report and the required function of processing target to be provided to.From this master menu, give the user selection, setting up new inquiry, report or processing, or open existing one.If the user selects to set up a new inquiry and for example goes to realize division management person's request, next the user will import the various parameters relevant with query structure.
After constituting described inquiry, next the user will import the various parameters relevant with reporting format, and last, the user stipulates that a processing is to move described inquiry and report, job queue is submitted in described inquiry and report, and at central database 10 described inquiry of operation and reports.When described inquiry and report are done, workstation1 2 will show or print result for retrieval, and will be loaded on the output file under this result or directly send CCIS13 to so that send the Banking sector that needs described report to.
In order to guarantee that described inquiry is logically constituted, dialogue always follow subsequently and/or with almost be that free-hand user interacts after the combination of the logic step that combines.Best dialogue is quick selection type dialogue.Selecting dialogue fast is to begin by his or she query type of desired execution of inquiry user.Two kinds of main forms are arranged: relation or non-relation.The dialogue that is used for non-relation selection can be considered to concern the child group of dialogue.
The program trace file engages with quick the selection via the account's document opening relationships key code table that is registered in by priority of use in the described system.The driver document uses identical program.Thereby driver or program trace file be input to system and processed key code table be established and keep after, by selecting above-mentioned the selection arbitrarily and method, the user can continue.
The user is inquired at first whether she wishes to analyze in family or levels of clients place.Whether answer decision key will be retained in family or levels of clients place.It can also determine link condition that some will produce for the user is secret etc.The user will begin by setting up the inquiry that is made of the calibrated bolck that is used to stipulate desired family, client and/or account field.After having set up suitable inquiry, the user will move described inquiry by setting up by the processing that constitutes such as treatment step pieces such as inquiry and reports.
For example, shown in Fig. 5 C, just limit the calibrated bolck of family field be constituted as its can limit have more than the family of an open service with the field of the NYB Bank of New York as report bank.In the calibrated bolck of Fig. 5 C that constitutes, the user is prompted by selecting " # (open services) " and " REPORTING BANK " to fill described standard row the standard scale that loads down from central database.Under the situation of selecting " #open services ", the user at first selects classification " SERVICES " from the additional standard menu shown in Fig. 5 D, selects from the additional standard submenu shown in Fig. 5 E then " #open services ".Condition " greater than " and value " 1 " is transfused to or selection from the shown menu of Fig. 5 E shows.Calibrated bolck also can be configured to limit selected client and account's field.
Shown in Fig. 5 C, after setting up described inquiry, the user uses the demonstration shown in Fig. 5 F to handle the described inquiry of operation by setting up one.Processing shown in Fig. 5 F for example, is submitted to central database with Query and two steps of Report.Reporting step is by using the demonstration shown in Fig. 5 G to limit Report Type and Report Parameters foundation.Selecting from display screen shown in Fig. 5 F on the basis of Run, utilizing described system to carry out the processing of defined, that is, setting up a report at the described inquiry of central database operation and according to the Report Parameters of Query Result and defined.Shown in Fig. 5 H, provide a display screen directly to guide clue to a specific movable well that described file directly is loaded into department system to allow the user.
Complement code and general limitation standard
The user will be required to import his complement code (field) limitation standard and it is with the rank that is employed.The complement code limitation standard is a kind of standard, when needing the complement code of choice criteria, and the family that this standard is retrieved restriction (or client) group.The complement code retrieval has NOT IN or NOTCONTAINS logic OR usually.
The mode of calculating these functions is at first to find to satisfy the key (family or client) of condition certainly.Then, obtain the complement code of these keys.For example, do not have the family of a certain product if wish to obtain some, so, system will at first find to have the family of these products, find the complement code of these families then.In the retrieving of complement code, the one group of family that is retrieved must be limited or described result normally undesirable.The standard that limits the family that is retrieved during complementary operation is referred to as complement code limitation standard (Complement limiting criteria).
The best is used for two kinds of complement code limitation standards of the present invention: position (tissue) standard and geographic criteria.Location criteria will always need.Initial value can be from the files on each of customers setting.The user that each user is assigned to a maximum can organize rank to what its data conducted interviews.The default position standard is assigned to user's inquiry, as long as the user limits further data (by the one or more lower ranks of regulation in his hierarchical paths), the user can change this standard.The use location standard comes scheduling job as quick and long-play operation.
The location criteria field preferably is arranged in its option table.Described workstation will guarantee that arbitrary input can not make files on each of customers lose efficacy.But the user will be forced through these and select to handle at least once.
Geographic criteria comprises the field such as national code, division postal region sign indicating number etc.These fields also should be positioned at their window option table.
Except above-mentioned complement code limitation standard, provide common all ranks in database hierarchy (family, client and account) to locate to have the limitation standard of common features.At the account level place, general limitation standard is reality (Actual) value relevant with each account.At family and levels of clients place, these standards are the values that derive from initial (Prime) account.
Therefore, the complement code limitation standard can be used in three kinds of modes: in actual level, in initial level or on these two ranks.The user is inquired hope in which rank is analyzed, and when no matter expecting which kind of rank then, workstation produces suitable choice criteria.
If selected initial level, it will be applied to committee (borad).If selected actual level (or two ranks), will whenever input account path the time, change the complement code limitation standard to chance of user.
If the reservation key code table, as long as NOT IN (AND NOTIN KEY table) occur with the AND operator, described key code table just can be used NOT IN computing.
The application level of complement code limitation standard can be required in its window relevant with geographical option table with above-mentioned position.
By: 1) whether she wishes to keep the key that is produced to regulation; 2) in current selection is handled, enroll the key that formerly keeps, go the operation of regulation key code table for chance of user.
If the user does not wish to keep the key that is produced, the user will be forced to a table of regulation output row, output format etc. in the back.In other words, the user will be forced through output explanation dialogue.As desired, key will be retained in order to being reused by user-defined level (family or client) later on.
If the user wishes to reuse the key code table of previous reservation, on the workstation interface, will open a window to be shown to her an available key code table.The user can put a key code table in the described table to obtain further relevant its information.The ability that reuses and improve key code table makes this system very flexible.
In case above-mentioned basic problem achieves a solution, workstation can illustrate a menu that comprises a series of option tables, and these tables are pointed out each member, client and assets and debt and the available various integrated datas of the long account table of bank in user, the family.Each option table has a relevant choice criteria window, and the user can see the standard that the data of utilizing that table are set up in these windows.
Except data are selected window, also have a path mutual relationship window, here, the low level choice criteria under each window relates to logical operation and the parantheses (parenthesis) in they itself, and this will be described below.
In the heart workstation is provided at generated query and limits the operation of the use data option table in the report in the micromarketing.The use of these data option tables of explained later.
Family and customer selecting table or path
On word station interface, provide first group window to set up the choice criteria of using family and client's row respectively.Workstation will help the user to carry out this task in the pattern mode.
For example, the user can put row, selects in SQL operation and picks up from the table of effective code.When the user had discerned all SQL attributes fully, described attribute was moved into relevant choice criteria window in " ghost " mode.The user can pick up described attribute and the special component that is inserted into the choice criteria window then, at this moment, the user can in AND/OR/NOT and parantheses operational character, select so that described attribute and other standard in described selection window be associated.In similar scheme, the user can move or delete in described choice criteria window and/or add/delete/move the attribute of formerly importing in arbitrary parantheses.
Workstation helps the user to set up the attribute that comprises arbitrary SQL function and/or one group of arithmetic operator, thereby the user can comprise these attributes in choice criteria.The arbitrary initial attribute that enters the choice criteria window relevant with data window all will be set up an inlet that is used for the data routing in the correlation window of path automatically, and this can as described belowly control.
Account: option table or path
There is some special circumstances in account's option table under relation is selected.At first, account's option table is worked with account's path function.4 initial account path functions are arranged:
1. family (client) comprises the account
2. family (client) does not comprise the account
3. the family (client) that has some aggregating characteristic comprises the account
4. the family (client) that has some aggregating characteristic does not comprise the account.
About family comprise/do not comprise account's path function, be used to get a function, stipulate a standard sentencing the similar mode that is given for above-mentioned family and client's standard then with the account level of that functional dependence.This regulation is also set up an inlet in the correlation window of path.
In the described function each all has its own specific characteristic.Preceding two (after this will be referred to as the account path) allow to enter with as the relevant choice criteria in primary account path.Three kinds of primary account path Standard Editions are arranged:
1．CG_PROD_TYPE=A?AND(CG_ACCT_BAL＞1000AND....)
2．(CG_PROD_TYPE=A?AND(CG_ACCT_BAL＞1000AND...)
OR
(CG_PROD_TYPE=B?AND(CG_ACCT_BAL＜3000AND...)
3.CG_PROD_TYPE (C) (3 kinds of formula that CG_ACCT_BAL＞1000AND/OR....) is used for primary account path standard are possible to AND to IN, but they provide extremely different answers for A, B.Second formula is first popularization and the 3rd formula is second special circumstances.For non-expert user, be suitable if workstation is limited in one and two with the user.Therefore, single choice criteria can constitute one family and comprise function, and this function selects to have arbitrary one or more family with special characteristics product.
The choice criteria that the family that is used to have some aggregating characteristic function comprises/do not comprise the account has two compositions.In first composition, the user stipulates that its characteristic is with the product that is aggregated.This first constituent class is similar to above-mentioned primary account path standard.
In second composition, the user stipulates any characteristic will be aggregated and will be chosen in the polymerizing condition under which family (or client).Described polymerization can be by numeration, summation or average.General standard is:
Under the situation of WHERE clause,
CG_PROD_TYPE=A?AND(CG_ACCT_BAL＞1000?AND......)
Under HAVING clause's situation,
(SUM(CG_ACCT_BAL)＞5000?AND?COUNT(*)＞3)
Select the product function also to constitute by described workstation.Replace existing different lines title (CG_SERV_TYP, CG_PROD_TYP and CG=SUB_PROD_TYP), there is the hierarchy of a product in described workstation.Described hierarchy preferably exist with graphic form and comprise more senior polymerization (assets or debt, savings to debt-credit, turnover property to non-turnover etc.).The user can select to be positioned at the product group of the arbitrary level of described hierarchy.If the selected product group not value of being used as/row is stored in the described database (for example having enough to meet the need mark), so, workstation will produce a complex attribute or have its value and be positioned at IN table with the hierarchy of the desired product group of user equivalence.
If described selection be carry out in the CG_SERV_TYP level with the needs aggregate function, workstation will be discerned these family (client) levels and use them Already in.Database will find out whether the user has stipulated a standard at the account level place, this standard be stored in central database 10 in the standard at family or levels of clients place consistent.
When the user imports the choice criteria relevant with the different pieces of information option table when (with using described account's function), must limit higher inner track logic.The user will be required that input logic operator and/or parameter limit these logics.This is a higher-order logic, and it will guide described generator program.
As mentioned above, about the indivedual choice criteria relevant with data routing, the user can Dian Ru ﹠amp; Key in an attribute composition and towing (moving) or delete it, or the like.Double-click and activate the detailed choice criteria window (key code table composition will show the explanation of described key code table) relevant with the attribute composition.Simultaneously, the user can print this or any one other data/choice criteria window of described inquiry, or whole inquiry details.
Though SQL provides a kind of language to set up choice criteria,, need this machine password group by the high-level functions that system supported.Use this group password at mutual relationship window place, path, still, this group password all is useful at each independent choice criteria window place.Organize senior password in order to provide desirable this, utilize following example to show best general format.
General format
{ Path}{
*High level function@function-seq-no}{
*Other clause of SQL or and/or parantheses }
The example in path
The HHD-input is in the standard at family place.
The CUS-input is in the standard of customers' place.
LOC
*Lv1-is in (A) or the location criteria of locating in two ranks (PA) of initial (P), reality.
GEO
*Lv1-is in (A) or the geographic criteria of locating in two ranks (PA) of initial (P), reality.
ALA-is used for Zi Chan ﹠amp; The standard of liability account.
BC-is used for the standard of bank card account.
The example of high-level functions
CONT-family (client) comprises the account of prescribed product
NCONT-family (client) does not comprise the account of prescribed product
AGG-family has some polymerization (family, client) characteristic (SUM, AVG, product COUNT)
NAGG-family (client) lacks have some polymerization (family, client) characteristic (SUM, AVG, product COUNT)
Clause's example
PROD-primary products (type of account) standard.Product can be limited at each rank (SERV-TYP, PTYPE, STYP or such as the group specified of giving of all assets, all debts, all revolving loans, acyclic loan etc.)
HAVING-describes the desirable polymerization property of selected primary products standard.
Utilize AND, OR, NOT (in) and the above-mentioned password of the language of the input in the mutual relationship screen of path or on choice criteria screen combination.For example, in the mutual relationship screen of path, can following combination password:
HHD?AND?CUS?AND?LOC
*P?AND?GED
*P?AND
((ALA
*CONT＠1?AND?ALA
*AGG＠2)OR
(SAVED-KEY-TABLE))
Select window in respective paths, can form password and be used for assets/liability account, as following:
(CONT＠1[PROD(SERV_TYP=‘CHK’ANDCG_ACCT_BAL＞2000)]
AND
AGG＠2[PROD(PROD_TYP=‘CD6’)HAVING(SUM(CG_ACCT_BAL)＞1000?AND?COUNT＞=1)])
At choice criteria window place, the user will see the details of the higher-order logic of describing in the mutual relationship window of path.AGG, quilts such as CUNT are used as the sign that is used for high-level functions.In DAX/Prime type inquiry, these functions do not exist with described choice criteria seem with direct SQL standard class seemingly.In addition, produce its emulation prime frame is analyzed or done more work to cancel described request, can avoid path mutual relationship window by the database generator that has at the prime frame place by making workstation.
Workstation can be equipped with the processing attribute of crossing over entire path, shown in for example following statement:
(HH_FIPS_ST_CD=' 36 ' or CG_FIPS_ST_CD=' 36 '
But, except position and geodata, usually do not need this standard and these situations only inquiring that user whether wishes just to take in when using this in initial or actual level writes a little standard.
The user finish above-mentioned institute in steps after, she can submit her to carry out relevant inquiry and follow on the operation control subsystem its progress.In addition, the user can export explanation and uses together with choice criteria (field selection).
Central authorities' customer information system
The departmental manager receive the threaded list that produces by the micromarketing center and electricity load clue to the CCIS workstation so that distribute in the man of selected Private Banking in described department.The departmental manager is assigned to competent more man of Private Banking with clue and handles clue, or specifies these clues on the basis of described Private Banking man's working load and ability.
After described table was produced by the micromarketing center and communicates with CCIS, man of described Private Banking received the visit to threaded list on the CCIS workstation.Man of Private Banking then with threaded list on each client be on sale throughout transaction (being call).Before marketing transaction and during, man of Private Banking uses CCIS 13 to watch whole documents of client and bank mutual relationship and relevant other client's of client that comprises on central database 10 demographic information (detailed or summary).This makes man of Private Banking talk with and increase the success ratio of marketing activity with the client on marketing trading time period reason ground.
Next departmental manager and the official of bank use CCIS 13 conduct tracking and Reports Administration instrument with the automatic seizure marketing information of every day.Departmental manager and the official of bank use CCIS 13 visits and each relevant detailed sales transactions of man of Private Banking, and check that the result of comings and goings makes adjusting where necessary with the tracking achievement with to activity.Departmental manager and the official of bank can use CCIS13 to reassign described clue in man of Private Banking and/or department so that the use optimization of sale resource.
Therefore, CCIS 13 is market, management and a sales tool.CCIS 13 comprises a series of whole compositions that are used to watch user profile and leading subscriber contact and mutual relationship.The operation of CCIS 13 is described below.
Referring to Fig. 6 A, the workstation of CCIS 13 at first needs the registration and the proof procedure that are similar to micromarketing center 11 workstations.The user inputs their user ID and password and gives described workstation, and system also determines user's right at central database 10 described ID of checking and password to set up users' interfaces setting and right to choose.According to the input of valid user-id and password, workstation shows a master menu, provides following selection to the user: concern archives composition, account management composition, lead management system or sell tracking and the report composition.Each composition is described below.
Concern the archives composition
The archives composition that concerns of CCIS 13 allows suitable working member to find and watch family, client and account level information.Concern the archives composition show current with in the past relevant family or the finance and the behavioural information of whole relations of client and financial institution.It comprises independent account's information itself, the client how financial institution do they banking business information and whether they are subjected to information such as certain unique individual banker management.Concern that the archives composition provides a sale preparation tool to show available about all information of the relation between client, client and other client and by the deep layer account information on client and/or whole family-owned all accounts.
In concerning the archives composition, can obtain detailed and information that summarize.In combination, concern that the information in the archives can be used to estimate that the degree of depth of each banking relation is so that prepare sale and service session better.
Concern that the archives composition comprises a sales promotion prohibiting function, otherwise make described financial institution mark or discern these clients and do not pass through the non-client of phone, mailing or both ROL request-onlines.Can be registered in the sales promotion that concern in the archives and forbid on the screen or aprowl described client is used as a clue and is tabulated if dislike the client of sales promotion contact, this client can be registered in and concern and set up in the function.Do not wish can be registered in forbidding on the screen from master menu by imploring non-client yet.
Produce a composition of handling in case identification client identification, prohibition flag are sent to all customer information screens applicatory automatically and become table, do not got in touch to guarantee these clients.
The relational document composition also comprises client's sales promotion contact history file, and it comprises the information about the trade connection that participates in mailing or telemarketing activity form with previous client.Can use and concern that archives composition or relation set up function and watch described trade connection information.
Because can make each shop in the financial institution avoid " excessively contact " client, contact history file is a particular importance.It helps unified and managing customer association process.
Referring to Fig. 6 B, under the situation of selecting from master menu that concerns the archives composition, give the user and select: promptly select family's search function, sales promotion prohibiting function or specify transfer key to concern the archives screen to each.If selected family's search function, the user is prompted to import choice criteria (for example, unique identity card clear number, name, address, bank, department, service etc.) to find and to watch information about particular customer, family or account.
Search function can be used in two ways: help to be used for the retrieval among a small circle of particular customer or watch an accreditation process client table.Every kind of function makes the user select particular customer so that watch information about that client.
In the process of watching accreditation process client table, the user can import the personal number of man of Private Banking and the title of accreditation process.System will provide the table that arranges in alphabetical order that is assigned to man of Private Banking then, can select any family in these families to watch the information about this family.
In case discerned particular home, client or account, the customization display screen that can obtain some is with the information of expression about described client.For example, shown in Fig. 6 C, the user can be from the common customer information screen, selects in family's overview screen, client's needs and note screen, account details screen, family's document screen, family finance overview screen, family population statistical screens, family's contact history screen and the family's link detail screen.
The common customer information screen shows general customer information, comprises owned product, employed service and client's characteristics.Customer information on this screen comprises client's name and address and supplies and the name (if any) of outside coupling for basic " the best " telephone number and client's man of Private Banking in the inside of central database.Customer information on this screen also comprises the details of client activities, comprise the cheque number that is written into, cashier's transaction, ATM purposes, employed electronics and telephone bank's service, from financial rival's check delivery method, current and balance between revenue and expenditure in the past, client's net income, credit card use pattern, client's initial account sign the department of address, according to department and the employed other products of client and service etc. of frequency of utilization client the best.
Home account overview screen shows account and the out of Memory relevant with all members of selected family.By select product or account from the table that shows at home account overview screen, the user can see detailed product and account information.
The client need and the note screen the account owner, the balance of deposits and client's characteristics the basis on discern possible sales opportunnities.These are the systems that produce supplementary.Described screen also allows note that the user adds user oneself to catch about the remote access to the client of client's information (for example, householder, children, rival, shop address change etc.) or record.
The account details screen shows the information about a single account.The top of screen shows customer information, and the bottom of this screen shows the detailed content about certain accounts, comprises applicable balance between revenue and expenditure history.
The family archive screen display is about the information of whole family.It comprises the finance of polymerization and product information, about each kinsfolk's specific information with in the plan visit, use or be used to study additional outside " optimum prediction " demographic information of marketing plan.Family's document screen also shows the initial name, address, phone number and the department that are used for family that can obtain from described family initial account.
The account that family/client finance overview screen has all members of family or particular client is aggregated in product type (main service) and with respect to last month and previous year balance between revenue and expenditure relatively.Can obtain about whole accounts, the account of private bank, only be commercial accounts or only be retail account's overview.All products that described family or account have all will show, comprise service on investment such as commission account and managed fund, such as the financial service of bank card, line of credit, mortgage, secured credit and commercial and specialty loan product and other such as the service based on expense such as savings and security insurance.
The family population statistical screens shows the additional family information of buying from external source.This screen can also show the information of being inferred about client's out of Memory.For example, reuse credit card at children's shop and may be used to infer that this client has one or more children.
Family's contact history screen display is about family's class information of telemarketing and mailing contact.This information is from trade connection history file, and this information is caught the information about trade connection (telemarketing visit and mailing) from each shop of financial institution with from relation is set up the use of function.
Family's link detail screen shows the link that home treated is linked to clients' accounts that central database 10 uses.It shows described account number, last name on the account or firm name, postcode sign indicating number, link type and link value.
In order suitably to manage some family, two or more families must be linked to together or tear open chain family a plurality of parts so that a plurality of family separate.CCIS 13 comprises that a basis is linked to a plurality of accounts together or tears open chain account device from the information such as commonname and address, secret number of society and account's link etc. that origin system receives.
The account management composition
The account management composition of CCIS 13 is official account by organizing that family and/or client register in the specific program that is provided by financial institution and system that they are managed more.In case family or client are registered in the program and are assigned to man of Private Banking, Private Banking man just can provide the client personal relationship to manage with the banking relations to the client better and better manage.Described client will be marked as family that a quilt manages and notice that with the sales force who reminds other this client and people banker one by one have special-purpose relation.It guarantees that also 11 clues that distribute are assigned to the Private Banking man relevant with that client from the micromarketing center.Described client has the additional benefits of having only one to understand the man of Private Banking of these client's needs.
The account management composition comprises that online report watches and print facility, is used to produce a moon report of being used by man of Private Banking and their departmental manager so that assessment process increases.Described report is represented from single account and levels of clients information in every way to the account management program information that whole service amount overview is scanned.
Referring to Fig. 7, selecting from master menu under the situation of account management composition, the user can select that account's registration, registration and preservation, official account specify again, facility is submitted in portfolio finance overview or report to.Below these functions will be described successively.
By selecting account's registration, workstation shows a registration selection screen.This registration selects screen to allow user to select a program, program information is provided and a plurality of families are registered in the specific program.The registration procedure table is updated and is kept in the central database 10.
After from described table, selecting a specific program or a plurality of program, will show that one allows the user once a plurality of families to be registered to a family's enrollment screen in the program.The information that comprises account number and particular address (if any) that user's input is relevant with each family.In central database 10, described registration handled then and by selecting the registration details screen to be shown.For fear of one family being registered in the more than one program or man of more than one Private Banking, CCIS 13 shows registration details screens and automatically no matter when when the user attempts to be registered in the client in the one account management program, and when family had been registered in the effective procedure, CCIS 13 can the prompting user note.
By selecting registration and preservation, can show that just an address or registration and preservation screen are used for selecting or setting up one only to effective particular home of CCIS 13 registration procedures and/or address, shop, or on CCIS 13, do registration change or deletion from master menu.
By from master menu, selecting official account to specify again, can show that just official account specifies screen in order to specify or to delete the whole portfolios that relate to a plurality of families of man of Private Banking in the registration procedure more again.This characteristic is the most useful for the user that those have control official right.
Specifying can be to all registration procedure or only to selected program again, and can be used for same official is assigned to different departments again or registration procedure is assigned to same department or different departments different officials again.
By select portfolio finance overview from master menu, the user can select a reporting format and show the dynamic report of a current registration of expression.Portfolio finance overview is an online report, and it is assigned on the account basis of the family of being registered in independent official's account the program and shows integrated information belonging to one.It gathers the account in the described portfolio in the product type and balance between revenue and expenditure and with respect to last month and previous year client's net income relatively relatively.Preferably can obtain independent summary for total account, tax-free account (tax shelter), commercial accounts and retail account.
By selecting report to submit facility to from master menu, the user can move described report and they are positioned in the file, watches the facility and/or prints so that they can watch from report, or send them to central database and print.These reports preferably include official's account overview, traffic-profile, the growth measurement gathers and home business amount overview.Described report is in man of Private Banking, department, zone and bank level available " immediately " report.
The lead management system
The lead management system of CCIS 13 provides lead management ability completely via the online man of Private Banking that sends to of trading statement.Its utilizes relevant with the work sales lead selects to support a comprehensive sale that has numerous selection that is used for the work sales lead to handle by hand, comprise with effective clue insert schedule be used for other activity, an adding new clue (current client and non-client) and with online the specific of described financial institution or other man of Private Banking of sending to of clue to be used for the activity in future.
The lead management system is the contact management composition of CCIS 13.The clue that described lead management system is provided to man of Private Banking transmits with no paper at all, through financial institution inside to the with no paper transmission of suitable expert's job placement and obtaining with no paper at all of marketing activity.
Processing is comprehensively sold in the support of lead management system.Man of Private Banking has the selection that much is used for the work sales lead.They can be at meeting with schedule, not considering to come work in " next one " client of prioritization, " next one " client relevant with specific activities or the clue that has been in the process in the activity.
The lead management system also allows the user directly clue to be added on the CCIS 13.These clues can be that the clue of their personal work or they will be with reference to the clues of other expert in the financial institution.
Man of Private Banking be provided with about whole a large amount of sale ready message of described activity and client so that prepare for selling contact.The result of contact is placed into the individual schedule function of real-time update.This allows man of Private Banking to arrange and follow the tracks of each and sells calling.
Manager of bank and area guidance person can watch the clue statistical data, such as in the relevant department of described activity and the clue of utilizing in the man of Private Banking in the particular department to the ratio of those clues that are not utilized.Thereby can specifying designated and again, clue can distribute them more effectively.
The lead management system is from being used for the clue database of each man of Private Banking.By a program these are organized and the right of priority arrangement, so that at first use best clue.Thereby these clues are also honoured official account and are specified the official who makes described clue at first offer man of Private Banking or be assigned to described relation.
Referring to Fig. 8 A, the lead management system provides a kind of device that is used for selecting from master menu the function of some.The departmental manager can using system management/table hold function the availability and the product performance of man of files on each of customers properties specify Private Banking.This function allows the user availability and the product performance information communication of departmental manager and system.This information is used to determine then: new thread and which which included man of Private Banking accepting and waiting just on holiday in a specific planning; Which man of Private Banking just accepts clue in a plurality of positions; The product performance that should in specifying clue, use such as mortgage and investment etc.
Referring to Fig. 8 B, the lead management system also provides a movable registration function that is used to set up new marketing activity.This activity registration function preferably cooperates the management concentrative implementation at micromarketing center by the management of CCIS 13.But clue also can manually be imported by man of Private Banking and departmental manager.Carry out when middle when activity is in by movable registration function, client and non-client's clue coverlet be apportion and being added in the activity solely.
Set up clue according to administrative preference.Described activity registration process has three compositions.At first, described activity must be planned and coordinate.This also comprises by the clue of the tissue that will use clue by prioritizing.Secondly, must set up mass flow velocity control clue file and send the clue file to CCIS 13.The 3rd, activity must register on the activity enrollment screen.
Described activity enrollment screen is caught and is used to distribute clue and the information of carrying out described activity.The information that inputs to the activity enrollment screen preferably includes: comprise teamworker's name and address and explanation, the description of the described activity of described activity purpose and arbitrary restriction factor; Certain movable ranking in all activities; Whether the job assignment clue can be added in the described activity; Whether can add new thread and maybe when refreshing, whether should rebuild described activity; Such as major events such as beginning and cut-off date, hold period, purge dates; The clue in the described activity of ranking (for example, by clearing, total, profitability or particular priority order) how; (for example, where pays the account with selecting described department to move described clue on which type of basis; Somewhere described account does more transaction, address etc.).
Then, clue is assigned to man of Private Banking giving on the basis of putting right of priority.Man of existing Private Banking relation is honoured by the lead management system.The clue relevant with client who registers in the account management program or family automatically is assigned to the man of Private Banking of that relation of management.
The lead management system has calendar function, autothread transfer function, can add the facility and the automatic activation trace ability of additional client and non-client's clue.In addition, utilize transfer key can with user's " bolt is tight " to other screen of lead management system or customer profile system so that watch customer information or carry out other function.
Explain the sale processing capacity of lead management system in detail referring to Fig. 8 C.The sale processing capacity provides the characteristic of some, comprises clue tracking, movable selection, clue selection, sale preparation, sells overview, clue input/work allocation and clue inspection trace.
When the user selects the clue tracking characteristics, utilize date and time to show all booked reservations and incident.Described reservation can be used to main tracking, call or aspectant meeting.The user can use this characteristic watch relevant activity or client such as contact history, client's note and the information of selling prompting with corrigendum customer information and contact result, described client is offered other dealer, or rearranges the activity of being planned.
When user's selection activity selectivity characteristic, this characteristic is given all specified effort scales to be had and each the movable relevant some clue and the department and/or the man of Private Banking of clue state.
When the user selects the clue selectivity characteristic, show clue on the basis how this characteristic asks to show.Described clue can show with the form of apportion order or alphanumeric order.From this screen, the user can watch activity or client's note, watches product and settlement information, watches the contact history, watches prompting, corrects customer information and contact result or arrange the tracking activity, or upgrades trade connection information and the client is offered other dealer.
When characteristic is prepared in user's selective selling, this characteristic demonstration and client and such as name/address, phone, the best call time, prohibition information with before got in touch all relevant activities of trade connection information such as history.This characteristic also provides sell to prepare prompting and from the note in other source of system.For example, client's prompting and note are from the customer information that concerns in the archives composition.Movable prompting comes from movable registration function, and active annotations is then imported by the people of thin the above clue of operation " infinitely " note.Movable prompting and note are positioned among the described clue.
When user's selective selling overview characteristic, this characteristic is used to catch each and sells contact and sell the result who attempts.A suitable screen will appear in system, with input be used for closing sales lead, preserve sales lead, arrange the next incident relevant with this clue in process, renewal customer information or import the information of client's note etc.
Sell the overview characteristic and provide information (clue tracking screen) to meeting schedule.If the date input is that the meeting schedule will be upgraded and incident also will be arranged.Selling the overview screen also will provide information to various facilities, so that summarize such as the clue inventory of call attempt and provide the activity statistics amount of various management usefulness to be used by administrative authority.
When the user selected clue input/work allocation characteristic, this characteristic was used to an activity and particular department and/or man of Private Banking are specified or be assigned to client and non-client's clue.Clue input/work allocation screen can also be used to catch new thread or catch the information of work allocation aspect so that make clue can be added in the described activity or be transferred to other man of Private Banking.
The clue that always is assigned to a specific activities can relate to existing client or non-client.Described clue can from step into (walk-in) shop, the client who attends workshop, from work allocation of current client or the like.
When the user selected clue to check the trace characteristic, whether this man of characteristic notice Private Banking had any one other man of Private Banking also to move their appointment clue.Clue checks that the trace screen display is by the clue of other man of Private Banking operation or be transferred to or transferred out the clue of people banker inventory one by one.The departmental manager can check and use clue to check all men of Private Banking of trace characteristic in its department.
Movable selection management function is used to the moving load in man of balance Private Banking and the department.It is how to distribute to the also indication of man of described Private Banking with respect to " newly " clue of these " in the process " clues in department that department's load balance screen shows with each movable relevant clue.This screen allows described clue moved to from people banker one by one other man of Private Banking, on the basis of operating load from people banker one by one and average distribute again give all men of Private Banking in the department, or shift again together and from described activity, withdraw from.
Described moving load balance screen classes is similar to department's load balance screen, but this moving load balance screen shows the clue relevant with each activity that how to distribute in department rather than in man of Private Banking.This screen allows clue to shift out and be assigned to another one department, move and on average be assigned to again all departments or move together again and all withdraw from from described activity from a department on the basis of operating load from a department.
The control report function shows or prints tissue or activity grade report, is used for being illustrated in the state of the clue of each activity.This function of reporting also is presented in a zone or the bank and all departments' tabulations that specific activities is relevant, with all effort scales relevant with each particular organization's rank.
Sell and follow the tracks of and the report composition
Sell to follow the tracks of and the report composition is a management information system (" MIS "), this system the online sale consolidated return of every day is provided and be used for from bank and the regional relevant service of tissue to department and man of Private Banking.Sell to follow the tracks of and analyze and report and each man of Private Banking or the relevant sales transactions of other Customer Service Representative with report components utilising central database 10.
The sale tracking of CCIS 13 or management information composition are preferably to utilize the form that is linked to the general purpose programmable computer in other system of the present invention such as the remote communication devices of network X.25 to occur.Particularly, sell to follow the tracks of and the management information composition is connected to other composition of described system, thereby make every the transaction that in system, takes place can both be tracked.This is for following the tracks of and report that marketing information provides numerous chance to handle with promotion.For example, sell tracking or management information composition and preferably include a device and a device that is used for following the tracks of and reporting online sum that is used to receive from described department system input according to two different hierarchies, product and tissue.Online observation on the every day basis and printing can be obtained and sum can be obtained by the representative of sales ﹠ marketing in department and the shop.In addition, can be by the time cycle report information in sky, the moon, season and year.
Sales transactions is stored in the central database 10, is used for the predetermined time (as 24 months) that enters behind the CCIS 13; This sales transactions can capture from actual subscription and described sales transactions can obtain with real-time mode after being transferred to central database 10 at the marketing trading time period.Described sale is followed the tracks of and the report composition comprises a sale summary that is stored in the central database 10 that is upgraded every day, thereby can obtain arriving up-to-date marketing information when the beginning on each business day.
Referring to Fig. 9 A, sell and follow the tracks of and report that composition comprises three functional components: " sell and follow the tracks of " that is used to set up described report; Be used to watch or upgrade " table is preserved " of described table; " department's input " of be used to increase transaction, proofreading and correct transaction, input and other type marketing activity relevant information.
Shown in Fig. 9 B, sell following function and comprise a series of default format reports that show detailed marketing information by use the information in the central database 10 of being stored in.The sales achievement report is illustrated in debt, assets, investment product aspect is by some accounts and utilize the new sale of carrying out with existing dollar.This report also provides the consolidated return about the table of department and man of Private Banking.
Service report illustrates the sale of the bank service of phone that conduct like this directly visits, strengthens and the check for the treatment of as cash.Cross-selling (cross-sell) performance report is expressed the product quantity of selling to the old and new customers in each transaction.The source of funds report illustrates the account that the fund that whether offers the account comes from other competition bank, investment corporation and particular type.The report of client source illustrates activity and advertising results.Department's activity reports shows department's activity of importing via selling tracking and report composition.Whether achievement illustrates the target that a particular department or man of Private Banking realize being formulated by activity management department to target reporting.
Referring to Fig. 9 A, sell transaction and the table hold function of following the tracks of and report composition several department's entr screens are provided.On the basis of user cipher device archives, the user can use that department's entr screen adds, deletion or editor and whole transaction, client, product, service, fund or the relevant information of other type marketing activity.Use then to sell and follow the tracks of and function of reporting, described input information is handled on central database 10 and is upgraded also and can obtain being used for watching.
Selling tracking and function of reporting preferably is used to provide one objectively to indicate to promote customer's compensation.For example, sell the tracking composition income amount indication relevant with described financial institution that is produced by each man of Private Banking and departmental manager is provided.Next this provides a direct indication about man of Private Banking or departmental manager's value to financial institution again.Selling customer service person's technology of following the tracks of provides fast, the data extract of the customer database of the printing of clocking.
When being used for relevant employing as described below and greeting the station or having followed the tracks of the department of some other method that the user arrives, the sale tracking of CCIS of the present invention or management information composition preferably include one and are used for following the tracks of and report from greeting that client that formation extracts arrives numbering or by the device of the number of times of type (mailing, phone are in person) execution marketing plan strategy.The sale tracking of CCIS or management information composition change and can comprise that is used to follow the tracks of and report the average transaction count or the accessed device of crossing the number of times of marketing plan document screen that can not cause the account to open.
When being used for relevant employing as described below and greeting the station or having followed the tracks of the department of some other method that the user arrives, sell and follow the tracks of or the management information composition can produce a plurality of additional report.For example, system can follow the tracks of with report and described department in be used for via the relevant information of arrival of selling handle new, frequent customer, this information comprises following information: arrive use, the product type of type, stand-by period, sales transactions time, average exchange hour, sales tool, price, customer name and address, product type and the visit purpose and the representative of sales ﹠ marketing ID of each product.
When some alternate manner of greeting station and tracking client arrival is provided, the information of abandoning some example of waiting lines about the client can also be followed the tracks of and report to the sale tracking of CCIS or management information composition, and this comprises following information: the time, customer name, customer address and the visit purpose that arrive type, time of arrival, all stand-by period, hope wait.
Sell to follow the tracks of or the management information composition also follow the tracks of with report with open the account during give the client and make an exception and provide a loan and the relevant information of example of debt ratio criterion.This report comprises following information: customer name, account number, customer type, abstention reason, representative of sales ﹠ marketing ID.
Sell to follow the tracks of or the management information composition is also followed the tracks of and reported about wherein having got rid of in account's operating period and will provide a loan and debt ratio instructs clue to offer client's information.This report comprises following information: customer name, account number, type of account, guidance price rate, exception price rate, exception reason and representative of sales ﹠ marketing ID.
The client keeps the score and gets in touch strategy
Use is included in information in the central database 10 and determines that comprehensive customized life value (LTV) keeps the score to be used for each client.It is to calculate on all earning bases by client's contribution on entire product of being used by described client and the service distribution that LTV keeps the score.Income from all products ﹠ services is grouped into together, so that the indication that client's total value is provided is to bank.The LTV mark is converted into the selectable characteristic in each user logging then, sells and service routine thereby can design around life value.For example, relevant with some bank product or service activity is limited to the client who has above the scheduled volume life value.
In addition, produce and dynamically update keeping the score of client's net income, to be used to point out the currency of the independent income of described client.This is kept the score and can be used to the comparison commercial finance institution to select the candidate relevant with sales/department program and to discern contribution main or that exempt from qualified by force client.
It is target that some contacts Policy model is preferably used in the sales lead that is used among the present invention discern with the optimal candidate relevant with being each marketing activity.The hobby that these models show the client in some way is the basis.For example, meet some standard such as having one family, have a plurality of children, having the big possibility that the client who the university education fund is provided and has low savings or investment has some credit product of use.Described contact Policy model makes the target clue produce in described micromarketing center 11 to increase the success ratio of sales force by 13 pairs of trade connections of CCIS.
Name/address standardization composition provides the name and address of a systematization approach to select " mainly " in many possible customer name from database and the address and the name and address that their standardization are suitable for posting most with generation.By the standardization name and address, can facilitate form to produce from terminal user's table.
Be provided for selecting the most approaching three sector locations that provide the address with the distance of department composition, be taken into the customization systems approach of account's geographic properties etc. in river for example.This characteristic makes three banks of the most approaching described address or the target marketing program that department can use to utilize the radiation marketing technique.
The account opens system and processing
Another importance of the present invention is electronic marketing and the interface of service back-up system and the processing that is used to open an independent account who comprises financial all scopes of composition.Therefore, integral system of the present invention preferably also comprises system 17, is used for being preferably in once transaction and opens an account.Described system preferably communicates by letter so that data can legal and suitably be passed through between these systems with central database of the present invention, micromarketing center, central customer information system and department system.
In its optimised form, system 17 and be used for a step account or processing that relation is opened comprises a series of generation usual step or stage.They are: the account selects, necessary appraisal, set up individual document, set up clients' accounts, select customer service, with the remote access service mode register, print Registration Forms, send bank card, determine can to the account conduct interviews and be suitable at last tracked personal identification proof and number.
The device that is used to finish these steps comprises the multi-purpose computer of a special programming, modulator-demodular unit, printer and Card clamp.Integrated account with various effectively (but not being activated) " the hard connection " that provides each other rather than connect on adhoc basis is provided described computing machine.Usually, described system comprises a device that is used to collect the data that relate to client's finance and/or investment state; Be used on the basis of collected data, carrying out the necessary device of analyzing; Be used to show the device of account information; Be used for the device of on necessary valuation basis, advising; Be used to import the device that the client becomes component selections; Be used to show the fax of client-bank return or the device of expression; Be used to increase the device that account's composition is used to provide required all services of client and satisfies the single account of client's needs the biglyyest with foundation; Be used to upgrade the device shown of customer bank form fax expression; Be used to carry out the device of credit bill; Be used for determining the device of flat fare according to the service that is provided; Be used for the device with the remote access service registered client, this device comprises the device that is used to send bank card and individual identification I.D. plain code; Be used to discern the device of obliterated data and be used to point out the device that the user imports does not provide data as yet.
Figure 10 A and 10B show the current optimal sequence that the senior other places account of the present invention opens processing.Particularly, Figure 10 A shows the processing and Figure 10 B that are used for a new client and shows a processing that is used for the existing customer.Described processing is quite similar.Difference is that bank has had the essential information relevant with the existing customer and the existing customer has some understanding to service and the access means that bank provided usually.In the ordinary course of things, the difference of treatment step has reflected the difference between account's standard and the account's conversion.As will be explained below, the order of specific step can change and can the off center target, and promptly a step account opens.The system's most preferred embodiment that is used for execution graph 10A-10B step will be described in detail in conjunction with the flow process of Figure 11 A-11B.
User Recognition (greeting) system and step (100)
Concern in the deployment method in a step and to choose wantonly but a useful step is the preliminary sweep step that this step also is referred to as the greeting step sometimes.The purpose of this step is to greet the customer information that limits in advance and understands fully the purpose that the client visits.
Be that by entering department, the client is greeted and enter queuing usually on the basis of bank's contact.This initial step of greeting is useful for the new client of identification.For a new client, need the purpose of client's name, address and visit.For the existing customer, can discern described client by a series of different modes: maintain secrecy number and bank card or the input by number or insert or the input of personal identity card plain code (PIC) by bank card by account number, name (single or have address and postcode), society.But described system comprises one such as the multi-purpose computer of special programming or device and input media (such as keyboard, card reader, mouse or contact screen) that allows user's input to obtain data from described client of workstation.
Then, described greeting is set up (under new client's situation) or is called (under the situation the existing customer) and allows (cashier or man of Private Banking) to understand about the described client document that gets information as much as possible; Information, mortgage information, tax masking information etc. on the credit card.System of the present invention is preferably according to the visit of user's needs and desired client's mobile permission different stage.For example, because bank requires greeting person or cashier to finish a certain transaction as quickly as possible, so they only have limited access ability usually.On the other hand, man of Private Banking spends more time usually and also will provide more visit to the client.If greeting person does not capture the identification document of restriction in advance, system will point out next user carrying out catching described restricted document in advance before the credit inspection.Therefore, system allows to collect this initial information at one of them step place of two steps.Particularly, system of the present invention can be programmed with the data that allow to utilize a step input flow into up or down at other (preferably whole) associated data field be used for other and preferably whole steps is used.
The target that initial greeting step 100 pair realization that must step in the system of the present invention do not need the already provided information of query user, handle it as far as possible simply to client's realization is helpful.Described greeting can also be determined the purpose of client access.Revise customer address with the conversion visit and when feasible, satisfy the demand immediately.Initial greeting step also makes next user to become possibility for described client prepares as described below.
When the account opens system and handles when being used as integral system of the present invention a part of described greeting step particular importance.Particularly, except aforementioned advantages, described greeting step provides the potential customers' that relate to the client and enter a department useful information and makes can determine in other things how long the client waits on line and described client visits a particular department and how frequently has.As mentioned above, this management information system composition for CCIS of the present invention is useful.
Check document system and step (200)
Before meeting with the client, user (man of Private Banking) should check that customer profile is to prepare to sell dialogue.For this reason, system preferably includes a multi-purpose computer and/or a plurality of networking workstation.Certainly, described computing machine or workstation should comprise certain display type.The main target that archives are checked is preparation and client's a sales transactions.In addition, during this step, can use the additional information that legally and suitably obtains from central database.
Address direct requirement system and step (300)
Because very special and simply can handle rapidly and do not need closely that the individual helps, the client needs to get in touch with user bank sometimes.Such example comprises buys the certificate of deposit or US savings bond.In this case, the client should obtain service as quickly as possible.System by to user prompt to determine whether the client can be interested with the simple transaction that should directly be handled in those.About this step, described system comprises a multi-purpose computer or has the workstation of demonstration or other is used to point out user's device.
Type of account selective system and step (400)
The client greeted be considered with direct requirement after, described client is greeted and customer profile is continued by next user (normally by man of Private Banking) (not doing) if in the direct requirement of address, do not wish.Man of Private Banking (also being the user) will propose some basic problem to determine that client's finance needs and how to help described client best in the ordinary course of things to described client.Particularly, determine the needed type of account of client (supposing that bank provides more than one classification of accounts).The account opens that flow process is flexible must to be enough to support to opening whole account such as the interested client of short deposit certificate, and is ready to spend the client that finance that the long time goes to discuss them needs and open each composition of the integrated account who is suitable for them most.In order to promote this step, described system comprises a multi-purpose computer or is programmed with the prompting user to be provided some data, receive these data and these data is sent to the workstation of all related data sections.System can also comprise that suitable input media is to allow user and described computerized interactor.
Also will provide the clear and definite interested composition of client and the user integrated bank account of the present invention in to user (normally man of Private Banking or customer bank telephone service center representative) with user's discussion need be to the situation of the composition of client's sale.System has the greatest differences of dirigibility under influencing each other with the addressing client.In order to realize this needs, system is programmed to allow data adverse current and following current to any position that it needs and by checking to check whether needed data receive at each step place.The multi-purpose computer of programming is used for this purpose, and the situation that computer operation just " connects " each other firmly as the data field relevant with account's composition.In this manner, data user in processing feels that the some place of most convenient will be requested once and for once.Will discuss as following, system also provides the file of " uncertain " to be used to store the collected relevant but information that do not need immediately.
Shown in Figure 10 A-10B, type of account selects the processing after the step slightly different for new client and existing customer.Particularly, the processing that is used for new client provides each step in order.But for the existing customer, the user can select maybe to need to evaluate step fully to avoid account's introduction.This allows user (man of Private Banking) to utilize his or her judgement once more.For these two kinds of processing, as discussed below, treatment step is identical substantially.
Need appraisal system and step (500)
To need appraisal system be a sales tool basically with allow the best account of user and customer selecting with particular client need be relevant account's composition.The system that is used for needs appraisals step is flexibly so that can provide in order with user or the sale evaluation of telephone service center representative and client's the corresponding to data of clear and definite needs.In addition, system comprises that one is programmed with by the upstream or downstream transfer data to the computing machine that these needs are realized in its needed position.Utilize this mode, the user can temporary delay input normal data.
The described appraisal step that needs relates to the input data with response identification particular client needs and/or the more detailed problem relevant with user's sales opportunnities.These problems will help user's customization integrated bank account relevant with described client.Described system is programmed once more, so that other relevant field is passed through in the input of the data in this step.
The account selects and needs the description of an embodiment of appraisal step to be shown in Figure 11 A-11C.Flow process by reference flow sheet and Figure 11 A-11C can be understood this processing at an easy rate.But, also must the record series of characteristics.
Shown in Figure 11 A, in case entering described account, the user handles, they just have one provides the screen of selecting the account or visiting the selection that needs.Therefore, if the account is to a kind of account of specific type, for example " CITIBANK " or " CITIGOLD " account are interested, the demand analysis of can having mercy on is handled.
In the example shown in Figure 11 A, when the user selects " SELECT AN ACCOUNT ", this user will obtain a form that can get the account to do further selection.On the other hand, if wish to need to analyze, the user selects " ASSESS NEEDS " and carries out the processing shown in Figure 11 C.In the specific embodiment shown in Figure 11 A, can also select the default selection of " CITIBANKACCOUNT ".
Figure 11 C shows the present invention needs valuation accounts to open an example of processing.As shown in the figure, after the user determines that visit needs, they are provided with a menu, and this menu allows them to select " CREDIT ", " FINANFIAL GOALS ", " PERSONAL " or the special area by default selection " FINANCIAL PICTURE ".On the basis that this point is selected, the user is prompted to provide about selected and selects the information of specific region or under " FINANCIAL PICTURE " situation, provide the information relevant with zones of different.This is handled always and continues, till finishing described needs appraisal.
Figure 11 B shows the processing that is used to provide product information.As shown in the figure, this system allows the user that the information of the specific region that relates to relevant client is provided.Described processing can repeat till having answered all problems.At this moment, the user can select the processing to individual document composition.
In addition, dirigibility is an importance of system of the present invention.If should not require the client that at that time information is provided in he or she judges, so, the user can select not provide some information.Therefore, will not need the data input in that step, if but walk around this step, must carry out some record, so that data can be collected afterwards.
The information of being caught during needs appraisal step finally is stored in client's document with the answer to basic need appraisal problem.In this manner, the client no matter where contacts bank other user (employee of bank) and can visit account information.
As described earlier, system of the present invention comprises " uncertain file " (a pending file) who is used to store the information that has been collected but has not needed at once.Particularly, this system preferably includes its extractible memory storage of certain form.In addition, during this step, can legal and suitably use and obtain additional information from central database.
Described system can comprise user's sales tool of some, comprises the use capability analysis of utilization in these step place collection data.For example, the user will have the ability to show and the printing pricing information.
Available other sales tool comprises the information that relates to 24-hour access, financial announcement, rate of conversion and service etc.System is enough to obtain all these instruments flexibly, and allows user's these whole sales tools of having mercy on rapidly simultaneously.In order to realize BPA pricing information and arbitrary other sales tool, described system comprises a programmable universal computing machine and/or workstation.
Therefore, when using, need the appraisal step to catch and store customer information to discern the existing and following client's needs when combining with system of the present invention.Described information is preferably passed through the available and legal account who is allowed and is opened.In addition, the information of collecting during the account opens is preferably provided through the central customer information system at interface of the present invention and is used to close clue; That formulates the client gives Private Banking man portfolio; Report the arrival of every day; Follow the tracks of new account statistic etc.; Assigned work is assigned and questioning closely from uncertain file.
Account's introducing system and step (600)
For new account, the introduction to the various integrated accounts that provided by described bank is provided this step.The price of available composition and every month preferably also is among the subjects to be discussed.For the existing customer, this step comprises new integrated account's explanation.
In addition, in case when the user obtains clearly indication that the client wants to open an account, just carry out a credit inspection.Usually, described credit inspection relates to two independent steps--and preliminary sweep is to check whether described client is in relatively poor client's table, for example is CHEX scanning; Secondly, standardization credit office report.
For the ease of having external service or agency's credit inspection, described system preferably includes a modulator-demodular unit or other communication facilities.
Usually, system will carry out two steps that credit is checked simultaneously, with the relevant response of demonstration on same screen.But in the incident that can not obtain a response (promptly because system problem), other response can be shown and can not be prevented from till can obtaining other response.Described system has dirigibility with only relevant with the credit inspection basic document of input, promptly such as name, address, secret number of society, birthday and citizenship and the occupation that can select, income and house cost.If before do not obtained this recognition data, so, must catch this recognition data now.For example, if last credit inspection (this inspection is stored) is to do in the past 12 months, this system is enough to be existing customer's explanation from this scan process flexibly.In addition, two of the credit inspection steps be separately carry out and described system the ability that provides suitable right is arranged and does not consider initial scanning result.If the user have the ability to obtain occupation, income and house information, so, when to be that credit is qualified provide a part, the particular loan amount can be returned by system at the whichever product.The qualified amount of credit (if any) will be presented at and show on the same screen that the credit inspection responds.
If the client does not have conditional debt, then system allows described user (usually by loan administration person mandate) to determine whether the account that its reason can not considered and be opened.If the account opens, catch and to abandon/invalid situation and utilize client's demographic information to store this situation.If the account does not open, must print the credit office that " adverse action type " notice illustrates name and phone number and/or the acquired information of Chex and provides it to the client in described department or customer bank telephone service center so.
The credit inspection is the user needs optimal service in the client the relevant account's suggestion of composition with the result who needs appraisal.Described system to the user provide such as a screen or a group screen curtain will allow the integrated account of the clear demonstration of user, its composition and client how can best visit their account's the sales tool of right.
In addition, system comprises a programmable computing machine and is used to point out the user and collects data to carry out the suitable input media of this step.
Individual's document system and step (700)
In case finish account's selection/need analytical procedure, system to proceed to individual document step.During this step, the user will collect any other personal information of also not finishing so far.Because the dirigibility of system, collected here data will be according to previous collected data variation.In addition, the computing machine with suitable input media is used to this purpose.Preferably provide modulator-demodular unit or other communication facilities so that allow computing machine to communicate by letter with for example outside credit office.
In some cases, if formerly do not carry out the credit inspection, so, in this step, will carry out the inspection of this credit.After personal information, the occupational information that any one also is not collected will be finished.To there be a screen to be used to catch personal information (each Mr. on the account) and a screen is used to catch occupational information (still being every Mr.).The information that occupation comprises on the screen will be to pick up the current and previous employer's of table name and address, current and previous employer's time and professional optant from catalogue.If carry out, a message block that is used to import professional verification method will be provided on this screen, and if input, this message block will be utilized described application and be transferred to credit office, needn't carry out described checking when checking the credit decision with box lunch.
The account of being used for according to the present invention open system also can make the user catch language that the client likes for future use with the enhancing of catching such as magnetic stripe snotter on bank card, if for example described client is the non-foreigner of living in for long, this client will be labeled, thereby this fact is displayed on client's document relevant with follow-up service with the language of being liked.
The most preferred embodiment that is used for carrying out the system and method for individual document process step is shown in the flow process of Figure 12 A-12E.In addition, in case account's selection/needs appraisal step is finished, this handles beginning.Shown in Figure 12 A, described processing relates to collects proof of identification and maintains secrecy number and the information of birthday etc. such as account's entitlement, customer name, home address and telephone number, citizenship, society.Described system comprises a programmable universal computing machine and/or is used to implement the workstation with suitable input media of this step.During this step, for example legal once more and suitably use from the additional information quilt of central database.
Shown in Figure 12 A, system produces and shows an initial document screen to the user, and this screen illustrates and has the required data field of arbitrary data that is collected in the field.Therefore, according to purpose of the present invention, the client no longer needs to provide this information.
After collecting preliminary document data, whether carried out the credit inspection in the definite step formerly of system.If system can move on to that treatment scheme continues to set up Profile shown in Figure 12 D.If credit also is not called, whether system queries has additional signer on the account.If, handle get back to the flow process shown in Figure 12 A up to described preliminary document data be collected be used for each additional signer till.
Preliminary document data be collected be used for each signer after, carry out about whether calling determining of a credit office.If never call described credit office, processing can continue, and does not provide but do not carry out credit.Call described credit office if make decision, so, carry out a quality check, to determine whether data integrity.If not, produce an error message and allow the user to continue uncertain document.If all data all are complete, so, handle proceeding to the flow process shown in Figure 12 C.
Shown in Figure 12 C, this composition of treatment scheme starts from calling credit office.Programmable computing machine and be used to this purpose such as the communication facilities of modulator-demodular unit.Systems inspection is to check whether transmission of Information is to described credit office.In most preferred embodiment, carried out for two steps as discussed and check.
On the basis that credit office reports the result, make the approved decision of account about whether.If described account goes through, so, treatment scheme continues shown in Figure 12 D.If make not approved decision, so, on screen, be shown to user, employee of bank's credit report result and overthrow ability.If the user selects to overthrow described refusal, so, handle and continue shown in Figure 12 D.On the other hand, if the judgement negating is not overthrown, then the user is presented a selection to print a harmful act report and closing the transaction.
Figure 12 D shows the client about go through subsequent treatment under the situation of account's application.As shown in the figure, this processing is from importing the data relevant with occupation to user prompt.If the client has had the employer in 2 years or obtained being less than about previous employer the information in 2 years, system is continued by the prompting information relevant with work address, Work Telephone and income.If the user wishes to rely on the additive source of income, so, collect additional income data.Each signer among the account is repeated described processing.Be used for all signer in case data are collected, handle and shown in Figure 12 E, continue.
The processing of setting up Profile finishes with the demonstration of the document screen relevant with user ID.If plural signer is arranged, then handle to repeat, up to all signer be shown finish till.At last, make a quality check to determine to have received complete data.If do not receive complete data, produce message and user and be allowed to continue to utilize uncertain file.If received complete data, so, handle and proceed to next procedure, promptly set up an account.
The account sets up product selective system and step (800) (comprising credit decision (810))
The aspect of another one particular importance of the present invention is to set up account's apparatus and method.Particularly, the invention provides an interface intuitively, this interface allows user and client can watch it when described account is setting up.Figure 18 A-18C shows the example of setting up employed demonstration directly perceived in the process the account.
Shown in Figure 18 A, system shows the account information about the bank statement theme on computer screen, promptly show bank statement duplicate or illustrate.Setting up the use that shows relevant bank statement theme with the account is important composition of the present invention and consistent with the basic goal of a compatible interface that has the client.This demonstration is illustrated in the content that described account sets up customer bank report before.Nucleus such as inspection, deposit, IMMA, CD, retirement, commission, line of credit (line credit) and credit card etc. is included in the described example.Usually, shown report has reflected the zero balancing relevant with each account.When other composition is added on the described account as described below, they also will appear in the shown report.
In order to set up described account, the user selects in (utilizing input equipment) ingredients listed.If, for example selected " inspection " composition, this system will show that an inspection composition shown in Figure 18 B sets up screen.This screen allows the user to select a specific composition and imports the some that will charge to selected composition.In an example shown, the user has selected fixing inspection composition.System also points out the user to import the some that will distribute to selecteed inspection composition.
If for example customer selecting distributes $5000 to check that so, the user imports this quantity and turns back to shown report screen.
Shown in Figure 18 C, shown report is updated the inspection balance with reflection $5000.
In this manner, client and user can set up integrated account and progressively watch the account who just is being established at customer specifications.In addition, there is described information at the bank statement form of forming by the every other client access point that is used for the interfacing bank.
In case determined the client to wish the bank account composition of setting up at trading time period, the user will open selection function on the screen the account.At first, the user will be chosen in arbitrary product that trading time period will be opened.At this moment, system is with the composition number of the composition that is used in the automatic given client bank account to be in debt.Automatically the number of appointment can not considered when needed.
Then, the user will finish such as arbitrary necessary details such as time limit, initial deposit and interested rate of conversion.Then, the user will import name of account and the required special data (for example, if not a default then required signer number) of arbitrary account.The most preferred embodiment that this system is used to set up the account is shown in Figure 13 A-13M.Described system comprises a general programmable computing machine that is used to carry out these steps.
As shown in FIG. 13A, system sets up screen and begins the account and set up processing by showing a report.Preferably this shows to the user provides a chance to remove to select each composition among this integrated account.Shown in most preferred embodiment in, the user can select between 12 compositions.During owing to selection component in account and account's foundation, described quantity (savings, fiduciary loan) is displayed on, and for example, the report shown in Figure 18 A and the 18C is set up on the screen.
Usually, by selecting a composition and carrying out the processing relevant, provide the quantity and the relevant information that relate to that composition relevant with each composition with setting up this composition.But, in the most preferred embodiment shown in Figure 13 A, described amount can directly be entered into report set up on the screen be used for checking, deposit and the money market account that guarantees if desired.
As shown in FIG. 13A, system provides a selection to turn back in preceding step to the user always, promptly sets up individual document or moves forward to next procedure, be i.e. account service.Lack these select under one the situation, one composition of system shown in Figure 13 A is operated in closed circuit state, whereby, the client selects a special component and processing through predetermined processing relevant with that composition shown in Figure 13 B-13M, turn back to report then and set up screen, this screen is upgraded the composition when comprising that they are set up gradually.
If the user selects to check composition, then system follows the path shown in Figure 13 B.Particularly, sub-screen or a plurality of screen are checked in one of system's demonstration.User's input will be assigned to the quantity of described inspection then.Whether system interrogation about existing different owners or the different address relevant with described inspection composition then.If system enters a subroutine then to obtain to relate to the additional information of different signer and/or address change.In addition, an importance of the present invention is that the user has a screen at first and is used to show all collected up to now remarkable information.Therefore, even in the described subroutine, also only need client and user that the information that did not before obtain is provided.In case set up about the inspection composition that the client who relates to owner and address illustrates.System provides and sets up the possibility that other check composition.If customer selecting is set up an additional inspection composition, then show a message and follow described program once more.On the other hand, check composition if customer selecting is not set up other, so, system turns back to that screen is set up in the report shown in Figure 13 A and the user can select other compositions.
If the user sets up screen from report and selects the deposit composition, system follows the path shown in Figure 13 C.The processing that is used to set up the deposit composition shown in Figure 13 C is with to be used to set up the processing of checking composition basic identical.Particularly, shown in Figure 13 C, prompting user input and the relevant amount of described deposit composition allow the user that any required additional information of different owners or address of considering is provided then.This still is that use by subroutine realizes.At last, allow the user to select to set up another deposit composition.When setting up the deposit composition that makes customer satisfaction, system turns back to the report shown in Figure 13 A and sets up screen.
When the user selects to insure money market account (IMMA) composition, handle and follow the flow process shown in Figure 13 D.This processing still is similar to the processing that is used to set up, check and deposit composition.The user imports the IMMA amount and is given a chance then and goes to upgrade the information that relates to owner and address.At last, the user is given a chance and goes to set up another IMMA account, if desired, repeats described processing.In case set up all IMMA compositions, processing turns back to the report shown in Figure 13 A and sets up screen.
If the user selects to save security of composition, system follows the flow process shown in Figure 13 E.Particularly, show that the security and the user that save screen enter the security of savings amount then.System prompt user input comprises the security of the savings composition of time limit, interested delivery scheme and savings instruction etc. then.Repeat described processing till all parameters are transfused to.Finish in case all parameters are transfused to, system allows the user to determine according to the symbol of authorizing relevant with this composition.This subroutine is from the demonstration of the authority to sign person on the basis in preceding collected data.The user can add additional signer then.If the additional signer that will be added has added document, then do not need other information.On the other hand, if new signer is tabulated tabulate new signer and will need described document afterwards of system marks.In case signer is consistent with client's hope, then system allows the user to set up additional C D composition.If the user selects so to do, so, re-treatment.On the other hand, if the user selects not set up other CD compositions, system turns back to the report shown in Figure 13 A and sets up screen.
If the IRA/401K composition is selected by system, then system follows the flow process shown in Figure 13 F.Flow process shown in Figure 13 F is only by carrying out and setting up the very high rank that these variable selections demonstrations of selecting relevant treatment to follow are formed.According to the present invention, the processing that is used to set up these selections only is made of a series of processing that are used to set up inspection, deposit, IMMA and CD composition shown in Figure 13 B-13E.In case set up and make client and customer satisfaction system IRA/40K, so, this system will turn back to report and set up screen.
If the user selects to maintain secrecy or the brokerage composition, system need follow the flow process shown in Figure 13 G.Particularly, system shows a security work window, and this window allows the user to import and appoints date and time or request answer.The reason of doing like this is that the information relevant with setting up secret composition must be handled by licensed employee of bank usually.If make an appointment, so, system will set up a secret acknowledge message and system and turn back to report and set up screen.
But described system also comprise one be used to limit to some be authorized to or licensed user's visit to guarantee to observe the device of application rule.For example, the information that obtains in " Brokerage (brokerage) " part will be " investing tip " and can be prescribed arbitrary other information to brokerage.According to this rule, " investing tip " can only be discussed by the client who is authorized separately.Therefore, the visit to these screens only limits to those licensed users.The device that is used for limiting access is a programmable universal computing machine preferably.
If the user selects to add such as inspection the loaning bill and the loan composition of (checking plus), then system follows the flow process shown in Figure 13 H.Particularly, carry out one about whether described loan is approved initial definite.If described loan does not go through, so, the user will not be allowed to set up this composition of described account.On the other hand, if described loan goes through, system will show that an inspection adds provides and selects screen, this screen comprise with can the relevant information of loan amount.Can accept the loan amount that provided through described user's client, request additional facility (wherein, the situation that system must enter separate processes not being shown) with the approval of seeking to be used for additional amount, select to accept to be less than the loan that is provided or to decline loan.System turns back to the report shown in Figure 13 A and sets up screen then.
If the user selects to set up unclassified loan composition, system follows the flow process shown in Figure 13 I.Particularly, carry out one,, will not allow the user to set up described unclassified credit card composition if disapprove about whether ratifying the initial definite of described loan.If described loan goes through, system will show a unclassified loan selection and loan rate.System will carry out unclassified loan composition and set up processing then.In case this processing is done, system will turn back to report and set up screen.
The loan composition if the user selects to maintain secrecy, system will follow the flow process shown in Figure 13 J.Particularly, system with demonstration comprise security source, fixed proportion family dealer loan, mortgage, best line, best loan, the loan and and select to select of maintaining secrecy based on the various secret loan of maintaining secrecy lending with student loan.System can also show loan rate and out of Memory.In case select, system will carry out the loan composition of maintaining secrecy and set up and handle, and be established then system up to the selection that is hopeful He can get and turn back to the report shown in Figure 13 A and set up screen.
For some special secret loan product, have for finishing the necessary additional information of described application.If described credit office does not point out that really described client has " credit qualification ", unless this client carries out a particular request about the loan product, otherwise this screen will not be shown.Included having in this screen such as proprietary, house cost, the monitoring/HMDA of government information etc.The arbitrary information that is captured that is used as a BPA part will flow in arbitrary adequate information group on these screens.
Be transferred to before described credit office carries out credit decision at credit information, system need all import to guarantee all required data on the basis of the data of having imported in the implementation quality inspection.If any information drop-out is arranged, system will ask suitable information.If described information can obtain, will give chance of user and import it; If can not obtain this information, will provide the ability that this application is placed " uncertain ".
According to the present invention, addressable credit decision screen is opened the needs of concluding the business in addition and entering other system to remove to the account in the open flow process of account.
The user can finish described checking and account open during the processing in essential any loan activity on these a series of screens.The checking of finishing on a loan product will flow to arbitrary other loan products in described transaction.Such as the definite checking that is performed of the various factors of wire gauge mould and product type; Performed checking will be upgraded all products that the client has applied for.
If the user selects one in the credit card selection, system follows the flow process shown in Figure 13 K-13M.The generic card that provided by specific bank and the difference between the gold card are provided the identical and difference of system flow shown in Figure 13 K and the 13L.Included base conditioning is, the whether approved initial decision of being followed by the information screen that relates to specific cards of loan, user's input is used to comprise the required information of card of card type, line of credit, credit card holder, additional card, name and light-card etc. then.That carries out described line of credit then determines that turning back to report with system sets up screen.
If other card that user's selection is provided by bank, except when described client and user are presented a selection to select to have now the bank card amount and be transferred to this account or on the contrary other credit line to be transferred to outside the bank card during customer selecting specific type credit card, follow similar flow process.After this processing was done, system turned back to the report shown in Figure 13 A and sets up screen.
This part of handling will be used to guarantee that described client is familiar with available various services.Simultaneously, believe that the general programmable computing machine is an optimum device of carrying out this step.
These screens will have the another one chance and go to observe described client and how to use bank to manage their money and realize deepening them and acquire an advantage with consuming the relation between the bank.If suitable, that described screen will need the combination data record and be observed by client product/service characteristic.
The system's most preferred embodiment that is used to carry out the account service step is shown in Figure 14 A-14G.
Shown in Figure 14 A, system begins by the data of observing again in preceding collection, adds service to check whether described client can check under overdraw protection situation.If a mark and system are set continue.Continue and described mark is not set if not, system.Then, system determines whether activate more than one service in the account selects to need to handle.If mark is set so that the selected service button on the Citibank account service screen shows high light and shows described account service screen.System continues the flow process shown in Figure 14 B then.Simultaneously, the user can select to set up a service or provide the information relevant with described service.If the user selects the service of not setting up or provides and the information that service is relevant, so, the user will be given a chance and note the interest of client aspect one or more Additional Services.If the user points out the interest aspect one or more Additional Services, system notices that this demand is to follow the tracks of and to set about printing Registration Forms.
If the user points out to wish that setting up one serves and obtain information, so, obviously carries out the flow process relevant with specific service.Nature, bank can provide various services.But, in the most preferred embodiment shown in Figure 14 B, system information can be provided or set up transmission automatically, bill delivery service, directly savings, to the direct visit of savings fund, automatically share out bonus savings, maintain secrecy lend, the overdraw scope, payment and electronics are paid automatically.
If the user selects to set up automatic transmission, system follows the flow process shown in Figure 14 C and the 14D.In this process, the transmission that system allows the user to set up automatic transmission and use the process shown in Figure 14 D to take place once more.
If the user selects to set up or provide the information relevant with the bill delivery service, system follows the flow process shown in Figure 14 E.As shown in the figure, the user is allowed to set up standard payee and specific payee.If the user selects to set up direct savings or to the direct visit of savings fund, system will follow the flow process shown in Figure 14 F.If the user selects to set up automatic payment, system follows the flow process shown in Figure 14 G.As shown in the drawing, system allows the user to set up for making loans and the multiple delivery method of line of credit and select the frequency of this payment.
In each case, after the particular procedure relevant with selected arbitrary service finished, system all turned back to the flow process shown in Figure 14 A and the 14B.System carries out accessing step then, makes available each accessing points of client whereby.
Here select bank card personal identification code (PIC).Telephone banking will be discussed and will select TPIC (phone PIN (Personal Identification Number)).If can use, will check.
System allows user's (man of Private Banking or phone representative) with remote access service mode registered client.The programmable universal computing machine can be used for this purpose once more.
System can provide automatic registration and catch the record and the floppy disk size (if necessary) of client's PC type in home banking.The composition of being opened and link bank card will be by AutoLink to be used for home banking.Described system also will allow the use of screen phone.
The system's most preferred embodiment that is used to carry out accessing step of the present invention is shown in Figure 16 A-16F.Shown in Figure 16 A, this processing starts from access screen and shows.The user is presented the account name that a record was revised or accepted to a chance then.The subroutine that is used for this processing is shown in Figure 16 D.
System enters the PIN(Personal Identification Number) shown in Figure 16 D and enters program then.If described account is a joint account, carries out name reception program and individual identification and enter program to be used for second name of account.The customer bank card can be decorated and be issued in described then system.This step also can be postponed.For the ease of decorating, described system preferably includes a traditional decoration mechanism that is linked on the multi-purpose computer.If described decoration is unsuccessful, system will carry out an error screen and handle, but allow whole flow process to continue.
Flow process is with as the described continuation of Figure 16 B.Particularly, system allows the selection of the telephone identifying code that is verified.Set about arbitrary joint signature person is handled, described then processing continues shown in Figure 16 C.Here, described client is presented a selection of using the described bank of PC remote access.If the user accepts described service, then carry out one about whether the client knows determining of his or she all COMPUTER PARAMETER.If input to described system such as the correlation parameter of computer type, floppy disk size, modem type and modem speed.If the client does not know one or more in these parameters, do industry about the demonstration of the tracking that will be required with store described information to be used for tracking step.System carries out the processing shown in Figure 16 E then.At this moment, the client is presented a selection and uses the bank of screen phone and system to make the explanation of customer selecting with visit and carry out the processing shown in Figure 16 F.Here, the client is allowed to arrange described inspection.System is by showing default inspection order and beginning to change individualized sign for chance of user.This relates to such as information such as name, address, bill information and addresses.The user is presented a chance and goes the described default order of customization then, and the user has a chance and goes arrange to check then.Then, handle the processing that advances to a special instruction step or the final result shown in execution graph 17A and the 17B.
Special instruction system and step (1000)
This treatment step is used to collect arbitrary remaining data and handles the account and open any special Account Status of also not handling in the flow process.This will comprise such as " calling Best Times ", or " can not get in touch " mark, " can not with miscellaneous equipment shared data ", " address ", projects such as " best postal the greetings ".Described system can also identify oneself with checking out in other mechanism.Described system can comprise a printer and the computing machine that will produce the printing of the collection letter that will be transmitted to other mechanism.By sending " Power of Attorney " state to described account, system can also hold the certificate of entrustment of appointment, eliminates the needs to file preservation in second day.If the user does not have licensed, the user can also set up and investment consultant's meeting or foundation and mortgage consultant's meeting.The client requests relevant with arbitrary variation can be admitted.
The most preferred embodiment of setting up described processing is shown in Figure 17 A-17B.System closes by demonstration and verifies that the required information of various accounts begins.In addition, system allows streams data up or down once more, thereby makes to have only the information that before was not provided to be called in this step.Described system also provides a chance to go to show about how with the information of trade connection and allows described chance to go to show a plurality of meeting.At last, system points out to finish and opens the required residual term of the integrated account of single whole.
Printing/transfer system and step (1100)
After all information of acquisition were finished establishment step, system carried out the step of printing registration packet.
Printing function will produce any essential paper spare work that the client need sign and the arbitrary unit/individual needed paper spare that can not carry out telecommunication with the associated bank operation system.This for example should comprise mortgage and boundary mark work allocation, exempt to evade payment of duty use, Premier Account is used, brokerage is used, letter is confirmed, collected in the investment of maintaining secrecy, signature card, harmful act notice, ready credit certificate bulletin, insure form and bank book etc.In order to hold these steps, system comprises a printer that is connected on the multi-purpose computer.
The client will be required to check about they itself such as all crisis demographic informations such as name, address, occupation, phone number.This register report will be presented at the account who opens in the transaction of date of issue clearing.For described customer bank account, account number, no limit savings, the exchange rate and time limit will be displayed in the relative section of described report.
Main difference between department and customer bank telephone service center is the unpromising any file signature of client's reality or takes the transfer mode.This means the customer bank telephone service center fulfil the zone file must be posted to the client.
Be used to print the most preferred embodiment that Registration Forms handle and be shown in Figure 15.As shown in the figure, system confirms that at first printer is activated.If printer is not activated, system just can handle when printer is energized.Then, system command printer prints Registration Forms and confirm whether success of described printing.If described printing is unsuccessful, can not carry out and identify the reason that can not successfully print forward if then handle, then common described processing will be repeated.After confirming that Registration Forms are successfully printed, require the client on Print Form, to sign.If the client is at that time signing on Registration Forms when utilizing phone to conclude the business, described application is carried in the uncertain file.
(tracking) system and step (1200) are summed up in transaction
At last, system enters the transaction summary.All suitable files all must be signed by the client.If the position approval, the account opens information must be transmitted to tax avoidance covert (Tax shelter) or mortgage consultant.Request is carried out work allocation according to plan rather than through paper spare copy.
If follow the tracks of transaction for the client sets up, the user will have a selection and give the client to print to meet to remind.This leaflet will comprise the customer bank man's that the date and time (if can obtain) of meeting, the purpose of meeting (as what imported from the free form of data input field by user's process) and client are asked for an interview with title.If a specific meeting date can not be set up, with given client banker and described trade connection.This leaflet should comprise client's name and address, if so that when opening through phone processing account, it can be placed to be used in the window envelope of client's mailing.
After the client left, the user can enter the notice from the free form of basic need appraisal; Extract and check detailed needs appraisal answer and upgrade described answer when needed; Transmit basic and detailed needs appraisal information.
Uncertain file
During the account opens flow process, can obtain transaction is placed uncertain ability.Often cause in the flow process of uncertain processing main positions be send to credit office's (if can not obtain SSN) before or after the quality control checking and required information be marked as drop-out.Because will cause need be in the uncertain time restriction in any point place, the client also requires to leave.The client also can be only through needing appraisal and desiring to return with continuation application in the date afterwards and handle.System makes a part such as the commission of transaction and transmits all the other compositions becomes possibility such as the customer bank business.
When an existing customer is filed in greeting function, if when having arbitrary transaction relevant unsettled (sessions pending) with that account, that fact of note in described document.The described client if user (greeting person) does not file, he still can push arbitrary uncertain application through uncertain function.Uncertain have multiple accessed mode, comprises by customer name, by user ID, by department with pass through product.
Open described account and will offer the uncertain application of user in the screen flow.This user also is allowed to implementation quality control inspection and sends the item of losing that needs before the main frame to so that system can be identified in.
Thereby described client will have a selection to finish described account and opens to enter their selected department.The described staff of department also should conduct interviews to these uncertain applications.When uncertain very outstanding customer representative enters " identification client " screen, described workstation screen also should be able to mark they.
Therefore, open system, will provide customer bank account's all the components by means of integrated account of the present invention and account.The flexible client that must be enough to support only to wish to obtain a composition in all these interested providing of described processing.In case customer data inputs to system, the client will never repeat identical information and give arbitrary employee of bank.Open trading time period the account, information will seamlessly flow to improve client's experience between employee of bank (user).All trade connection point places through legal limits on the data sharing basis that can exist can obtain existing customer's data at an easy rate.Even at the composition that is activated only is under the situation of cash in banks bankbook or proof, also will provide this ability so that described bank card is issued all clients.Described bank card also can be obtained to be used for connecting them when new component is activated with the client's identifier that is made on cashier's window or the telephone service center place phone.
The result is that the client will utilize a plurality of integrated account's compositions.This will make tax revenue increase and improve the customer satisfaction degree, makes the got selling time maximum relevant with the staff of department and the telephone service center that described department is had recognition function is provided.
By the account is opened systematic connection to central database, the information in this database can be used to make things convenient for the account to open and the information of collecting during the account opens processing can be supplied with the present invention and is used for family, the central database of client and account level information.Therefore, on the contrary the present invention allows the various information of user at the levels of clients place that can not obtain inquiry central database of the present invention.This information comprises: the service registry that (directly visit, bill payment, ATM etc.) have signed to the client during the account opens processing and being used to have the tool types and the data of using each client's sales tool.In this context, the sales tool type that can be used comprises ability to borrow appraisal, needs appraisal and needs appraisal subconstiuent.Collected out of Memory can comprise: the detail data element of assembling during the ability to borrow appraisal maybe needs to evaluate; The source of customers; The source of fund of when the account opens, using and comprise that the expense that type, expense are abandoned reason, date, individual ID or made the report abandoned etc. abandons information.
As mentioned above, workstation of the present invention utilizes central database of the present invention to provide about a plurality of tabulations of being complementary by customer selecting or with the account of given matches criteria and generation and data selected element and the information that produces in order to online observation and report.If it follows this point,, can on a plurality of workstations, obtain additional data by described account is opened systematic connection to central database.Particularly, on workstation of the present invention, can obtain the following data element that in selection, uses in other additional data and appearing in selected account or client's the tabulation: the ability to borrow appraisal; Need appraisal; The detail data element of during the ability to borrow appraisal maybe needs to evaluate, assembling; The service registry of client's signature during the account opens processing (directly visit, bill payment, ATM etc.); Basis is picked up the source of customers that table limits at the account place of opening; With pick up the source of fund that table limits at the account place of opening according to described.
Clearly, the present invention is not limited to described above and utilizes the concrete structure shown in the accompanying drawing, can make many modifications and variations on the basis that does not break away from spirit of the present invention.Scope of the present invention only is defined by the following claims.
Claims (18)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 96199069 CN1204410A (en) | 1995-10-17 | 1996-10-17 | Sales processing support system and method |
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US08/544,102 | 1995-10-17 | ||
| US08/702,039 | 1996-08-23 | ||
| CN 96199069 CN1204410A (en) | 1995-10-17 | 1996-10-17 | Sales processing support system and method |
Related Child Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2008100995762A Division CN101299258A (en) | 1995-10-17 | 1996-10-17 | Sales process support system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1204410A true CN1204410A (en) | 1999-01-06 |
Family
ID=5129307
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 96199069 Pending CN1204410A (en) | 1995-10-17 | 1996-10-17 | Sales processing support system and method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1204410A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100377140C (en) * | 2003-04-28 | 2008-03-26 | 鸿富锦精密工业（深圳）有限公司 | Global Inventory Inquiry System and Method |
| CN1682225B (en) * | 2002-09-10 | 2010-08-25 | 索尼株式会社 | Service providing system, information processing device, method, and program |
-
1996
- 1996-10-17 CN CN 96199069 patent/CN1204410A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1682225B (en) * | 2002-09-10 | 2010-08-25 | 索尼株式会社 | Service providing system, information processing device, method, and program |
| CN100377140C (en) * | 2003-04-28 | 2008-03-26 | 鸿富锦精密工业（深圳）有限公司 | Global Inventory Inquiry System and Method |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN1839403A (en) | Improved charity management system and business approach | |
| CN1542665A (en) | Computerized dispute resolution system and method | |
| CN1630888A (en) | System and method for asset tracking with organization-property-individual model | |
| CN1278346A (en) | Proxy asset data processor | |
| CN1659568A (en) | System and method for project bidding and application process | |
| CN1353842A (en) | Portfolio investment guideline compliance and financial fund administration system | |
| CN1463408A (en) | Deposits and savings display device | |
| CN1675645A (en) | An accounting system | |
| CN1428690A (en) | Automatic advertisement compary notice of system for providing address and price protection in the search result list | |
| CN1316077A (en) | Smaller investors can create and manage on cost-effective basis, complex portfolio of securities or other properties | |
| CN1231039A (en) | Tools for personal information security and exchange | |
| CN1472681A (en) | Large and medium medicnie chain circulation computer managing system and method | |
| CN1501308A (en) | A method of managing transactions and settlements, a method of notifying information about consumption trends | |
| CN1399754A (en) | Structure and method of modeling integrated business and information technology frameworks and architecture in support of business | |
| CN1894708A (en) | Computerized transaction bargaining system and method | |
| KR19990064318A (en) | Sales Process Support System and Method | |
| CN1284190A (en) | Push banking system and method | |
| CN1484802A (en) | Service improvement support system and method thereof | |
| CN1535442A (en) | Enterprise profit improvement support system and product production business reform support system | |
| CN1647091A (en) | Systems and methods for analysis of portfolio returns and trade cost measurement based on fiduciary roles | |
| CN1750036A (en) | System and method for mnaging, exchanging and purchasing medium of electronic bill and electronic check | |
| CN1942887A (en) | Method of and system for enabling and managing sub-contracting entities | |
| CN1855148A (en) | Trend-creation-type advertising system, trend-creation-type advertising method, and computer product | |
| CN1331530A (en) | Information supplying system for providing information for supply trader | |
| CN101061495A (en) | Simulation apparatus, effect measurement apparatus, and sales promotion support system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: WD Ref document number: 1017751 Country of ref document: HK |
|
| C12 | Rejection of a patent application after its publication | ||
| RJ01 | Rejection of invention patent application after publication |