IPC분류정보
국가/구분 |
United States(US) Patent
등록
|
국제특허분류(IPC7판) |
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출원번호 |
US-0278425
(2006-04-02)
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등록번호 |
US-8498915
(2013-07-30)
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발명자
/ 주소 |
|
출원인 / 주소 |
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인용정보 |
피인용 횟수 :
6 인용 특허 :
166 |
초록
A data processing framework for financial services that supports the automated development and delivery of financial service products to a plurality of customers.
대표청구항
▼
1. A non-transitory computer program product tangibly embodied on a computer readable medium comprising program code for directing at least one computer to perform the steps, comprising: preparing data related to a plurality of customer organizations for a financial service provider from a plurality
1. A non-transitory computer program product tangibly embodied on a computer readable medium comprising program code for directing at least one computer to perform the steps, comprising: preparing data related to a plurality of customer organizations for a financial service provider from a plurality of data sources for use in processing,transforming said data into a computational model of organization value and risk that identifies a contribution to an organization value and an organization risk for each of one or more elements of value, each of one or more external factors and each of one or more types of risks for each of one or more segments of value for each of the plurality of customers and for the financial service provider,analyzing the one or more inputs to said models as required to develop a plurality of scenarios for analyzing a financial performance,identifying an optimal set of financial service product transactions for each customer, for each scenario by analyzing the result of simulations completed using said data, models and scenarios, andcomplete tasks selected from the group consisting of analyzing customer financial performance, identifying one or more financial service products that will improve customer financial performance, developing one or more financial service products that will improve customer financial performance, processing transactions related to one or more financial service products, identifying an optimal set of transactions for the financial service provider for each scenario, completing sales of one or more financial service products and combinations thereof by processing at least a portion of said data using said modelwhere the financial service product transactions consist of foreign exchange transactions and loans, andwhere the one or more segments of value are a current operation and one or more segments of value selected from the group consisting of real option, derivative, market sentiment and financial asset. 2. The computer program product of claim 1, wherein the organization physically exists and the different types of risk are selected from the group consisting of event risk and variability risk. 3. The computer program product of claim 1, wherein the optimal set of financial service product transactions comprise transactions associated with one or more financial service products selected from the group consisting of derivatives, foreign exchange, insurance, loans, securitized risk contracts and combinations thereof. 4. The computer program product of claim 1, wherein the computer program product comprises one or more independent components of application software. 5. The computer program product of claim 1, wherein the optimal set of financial service product transactions for each customer are selected from the group consisting of investment sale, investment purchase, derivative sale, derivative purchase, foreign exchange transfer, insurance policy purchase, loan payoff, loan receipt, securitized risk contract purchase, risk transfer and combinations thereof. 6. The computer program product of claim 1, wherein the optimal set of financial service product transactions for the financial service provider are selected from the group consisting of contingent capital contract cancellations, contingent capital contract purchases, contingent capital contract modifications, investment duration changes, investment mix changes, product additions, product specification changes, product price changes, reserve changes and combinations thereof. 7. The computer program product of claim 1, wherein preparing data for use in processing further comprises using metadata mapping to complete an integration, conversion and storage of said data. 8. The computer program product of claim 7, wherein said integrated data is made available for use via a virtual database. 9. A method for financial service development and delivery, comprising: using a computer to complete the steps of: preparing data related to a plurality of customer organizations for a financial service provider from a plurality of data sources for use in processing,transforming said data into a computational model of organization value and risk that identifies a contribution to an organization value and an organization risk for each of one or more elements of value, each of one or more external factors and each of one or more types of risks for each of one or more segments of value for each of the plurality of customers and for the financial service provider,analyzing the one or more inputs to said models as required to develop a plurality of scenarios for analyzing a financial performance,identifying an optimal set of financial service product transactions for each customer, for each scenario by analyzing the result of simulations completed using said data, models and scenarios, andcomplete tasks selected from the group consisting of analyzing customer financial performance, identifying one or more financial service products that will improve customer financial performance, developing one or more financial service products that will improve customer financial performance, processing transactions related to one or more financial service products, identifying an optimal set of transactions for the financial service provider for each scenario, completing sales of one or more financial service products and combinations thereof by processing at least a portion of said data using said modelwhere the financial service product transactions consist of foreign exchange transactions and loans, andwhere the one or more segments of value are a current operation and a segment of value selected from the group consisting of real option, derivative, market sentiment and financial asset. 10. The method of claim 9, wherein the organization physically exists and the different types of risk are selected from the group consisting of event risk and variability risk. 11. The method of claim 9, wherein the optimal set of financial service product transactions comprise transactions associated with one or more financial service products are selected from the group consisting of derivatives, foreign exchange, insurance, loans, securitized risk contracts and combinations thereof. 12. The method of claim 9, wherein the optimal set of financial service product transactions for each customer are selected from the group consisting of investment sale, investment purchase, derivative sale, derivative purchase, foreign exchange transfer, insurance policy purchase, loan payoff, loan receipt, securitized risk contract purchase, risk transfer and combinations thereof. 13. The method of claim 9, wherein the optimal set of financial service product transactions for the financial service provider are selected from the group consisting of contingent capital contract cancellations, contingent capital contract purchases, contingent capital contract modifications, investment duration changes, investment mix changes, product additions, product specification changes, product price changes, reserve changes and combinations thereof. 14. A financial service system, comprising: networked computers each with a processor having circuitry to execute instructions; a storage device available to each processor with sequences of instructions stored therein, which when executed cause the processors to:prepare data related to a plurality of customer organizations for a financial service provider from a plurality of data sources for use in processing,transform said data into a computational model of organization value and risk that identifies a contribution to an organization value and an organization risk for each of one or more elements of value, one or more external factors and one or more types of risks for each of one or more segments of value for each of the plurality of customers and for the financial service provider,analyze the one or more inputs to said models as required to develop a plurality of scenarios for analyzing a financial performance,identify an optimal set of financial service product transactions for each customer, for each scenario by analyzing the result of simulations completed using said data, models and scenarios, andcomplete tasks selected from the group consisting of analyzing customer financial performance, identifying one or more financial service products that will improve customer financial performance, developing one or more financial service products that will improve customer financial performance, processing transactions related to one or more financial service products, identifying an optimal set of transactions for the financial service provider for each scenario, completing sales of one or more financial service products and combinations thereof by processing at least a portion of said data using said modelwhere the financial service product transactions consist of foreign exchange transactions and loans, andwhere the one or more segments of value are a current operation and one or more segments of value selected from the group consisting of real option, derivative, market sentiment and financial asset. 15. The system of claim 14, wherein the organization physically exists and the different types of risk are selected from the group consisting of event risk, variability risk and combinations thereof. 16. The system of claim 14, wherein the optimal set of financial service product transactions comprise transactions associated with one or more financial service products selected from the group consisting of derivatives, foreign exchange, insurance, loans, securitized risk contracts and combinations thereof. 17. The system of claim 14, wherein the optimal set of financial service product transactions for each customer are selected from the group consisting of investment sale, investment purchase, derivative sale, derivative purchase, foreign exchange transfer, insurance policy purchase, loan payoff, loan receipt, securitized risk contract purchase, risk transfer and combinations thereof. 18. The system of claim 14, wherein the optimal set of financial service product transactions for the financial service provider are selected from the group consisting of contingent capital contract cancellations, contingent capital contract purchases, contingent capital contract modifications, investment duration changes, investment mix changes, product additions, product specification changes, product price changes, reserve changes and combinations thereof. 19. The system of claim 14, wherein preparing data for use in processing further comprises using metadata mapping to complete an integration, conversion and storage of said data. 20. The computer program product of claim 19, wherein said integrated data is made available for use via a virtual database.
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