A Certain Commercial Bank Manage System For Client's Integral

To spend up the bank of personal financial business marketingconformity , effectively implementing marketing strategy, guiding andencouraging customers to use financial products and services, richingmarket promotions, strengthening relationships with maintance betweencustomers and commercial bank, and improving customer's loyalty,increasing bank profit, we develop"Integral system of bank customers(ISBC)"according to the Customer_Frist_Business_Philosophy.At present, the Commercial_Bank_Customer_System generally managescustomer's integral by a medium (card), and the integral of different cardscan not be combined, so the old system makes a great deal of limitations.BUT ISBC could provide an integral system which base on target customer,to support the customer using one media query all his or her integralsthat under the other medium(cards), and to support integrals allocatedamong the same customer's multi-medias , such like main card, branch cardand even the different customers'medium, to achieve the goal of sharingintegral.To realize this system, it need to work with multiple branch systemsin bank system, such as personal financial system, bank card businesssystems, customer information management systems, personal marketingsystem, telephone banking, internet banking systems, integrated frontsystem, parameter management system, general files transfer system, frontbusiness reports system, CS2002 report system and so on. For example, wecan get customer's products and services details from personal financialsystem, bank card business systems and integrated front system, from whichwe can generate integral collecting records according to parameters. ISBCtake charge of bank customers collecting data on the integral settlementprocessing, and provide integral data for the customers to exchange giftsor query integral balance through telephone banking system, internetbanking systems, personal marketing system. In addition, ISBC alsosupport regular converting customer integral into the corresponding gifts,and generating integral bills and reports. This data can display fromtelephone banking, Internet banking system, front business reportingsystem and CS2002 Reporting System. Finally, ISBC also provide customer'sintegral adjusting function, by which personal marketing system candeliver information from the universal file transfer system to ISBC, andthen ISBC can flexibly adjust the customer's integral value according tothe marketing requirement. At the moment, ISBC can associate with all cards of the same customerby the citizen identification information. By adding data collectionequipment under the integration of data processing system and addingintegration data unit of bank customers under data storage devices, itcan accumulate all the integrals of the same customer who owns many card.Through the integral card, the commercial bank can guide and encouragepersonal clients to use bank products and services, and at the same time ,customers can also sufficiently use all their integrals to enjoy morelarge good.In the future, the application of integral system will be furtherexpanded, as the diversification of customer requirement and improvementof technology. This article is based upon technology and businessrequirement. There are many inadequate points in theory and practice, soour system will can be more developed and perfected by further improvementof banking services as day goes by.