CN112132647A - Method and system for adjusting issuing amount of promoted product based on client data - Google Patents

Method and system for adjusting issuing amount of promoted product based on client data Download PDF

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Publication number
CN112132647A
CN112132647A CN202010880388.4A CN202010880388A CN112132647A CN 112132647 A CN112132647 A CN 112132647A CN 202010880388 A CN202010880388 A CN 202010880388A CN 112132647 A CN112132647 A CN 112132647A
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amount
client
product
customer
limit
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康梦晓
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China Citic Bank Corp Ltd
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China Citic Bank Corp Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0631—Item recommendations
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/02—Reservations, e.g. for tickets, services or events
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/55—Push-based network services

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  • Engineering & Computer Science (AREA)
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Abstract

The invention relates to a method and a system for adjusting the issuance limit of a promotional product based on client data, which dynamically adjust the issuance limit of the product and directly push a locked limit to a designated marketing client by combining the client appointment amount which is qualified by real-time qualification test and the real-time information of the designated marketing client, so that the designated marketing client can ensure to smoothly purchase a desired promotional product, and the marketing effect of the promotional product is fully exerted.

Description

Method and system for adjusting issuing amount of promoted product based on client data
Technical Field
The invention relates to the technical field of financial information, in particular to a method and a system for adjusting the issuing amount of a popularized product based on client data.
Background
In order to expand the requirements of customers and the like in the fields of finance, banks and the like, popularization type products for limiting the total amount, such as high-income-rate financial products and the like, need to be popularized and issued. Such products have great market appeal and often can prompt a large number of consumers to make a rush purchase, thereby gathering a large amount of popularity. However, in the product issuing process, due to the lack of an effective generalized product issuing amount adjusting mechanism, the problems that a client is hard to acquire a required amount in a robbing mode and partial verification resources are insufficient due to subsequent fund change through purchasing amount clients, so that the purchasing is abandoned, the amount is wasted and the like often occur, and particularly, the client recommended by a client manager according to marketing needs may be unsatisfied due to product robbing failure, so that the client is lost, and the product issuing amount cannot play a due client expansion role.
Disclosure of Invention
In order to solve the defects of the prior art, the invention provides a method and a system for adjusting the issuance limit of a promotion type product based on client data.
In order to achieve the above purpose, the technical scheme adopted by the invention comprises the following steps:
a method for adjusting the issuance limit of a promotion product based on client data is characterized by comprising the following steps:
adjusting the release amount of the promoted product according to the client appointment amount which passes the verification and the appointed client distribution amount;
and adjusting the proportion of the locked amount in the release amount of the popularization type product according to the distribution amount of the appointed clients who pass the check.
Further, the customer subscription amount includes an amount of an online customer subscription to purchase a promotional product and/or an amount of an offline customer subscription to purchase a promotional product.
Further, the designated customer allocation amount comprises an amount of a marketing target customer which is actively submitted by a customer manager to reserve and purchase a promotional product and/or an amount of a marketing target customer which is generated according to the customer asset data analysis to reserve and purchase a promotional product.
Further, the adjusting the promotion product issuance limit includes:
setting a maximum limit value of the issuing amount of the popularization type product;
when the sum of the client appointment amount and the appointed client distribution amount which pass the verification is smaller than or equal to the maximum limit value, determining the release limit of the promotion type product according to the sum of the client appointment amount and the appointed client distribution amount which pass the verification within the range of the maximum limit value;
and when the sum of the client appointment amount which passes the verification and the appointed client distribution amount is greater than the maximum limit value, setting the release limit of the promoted product as the maximum limit value, generating a maximum limit value adjustment request and sending the maximum limit value adjustment request to a department with the examination and approval authority for manual examination.
Further, the adjusting the proportion of the locked amount in the release amount of the promotion product comprises:
setting a maximum threshold value of the proportion of the locked amount;
calculating an upper limit value which can be used as a locking limit according to the maximum threshold value and the release limit of the popularization type product;
when the sum of the distribution amount of the specified clients who pass the qualification test is smaller than or equal to the upper limit value, determining the proportion of the locked amount in the release amount of the popularization type product according to the sum of the distribution amount of the specified clients who pass the qualification test within the range of the upper limit value;
when the sum of the distribution amount of the appointed clients which pass the inspection is larger than the upper limit value, the proportion of the locking amount in the release amount of the popularization type product is set according to the maximum threshold value.
Further, the qualification test comprises verifying whether the customer meets the requirement of purchasing the promoted product according to the customer reservation purchasing promoted product information and the customer asset data.
Further, the funding includes generating a batch verification request according to a marketing target customer list and performing a batch asset verification operation.
Further, the method further comprises:
and generating a batch locked quota order for the marketing target clients passing the verification and pushing the order to the marketing target clients.
The invention also relates to a system for adjusting the issuance limit of a promotion type product based on the client data, which is characterized by comprising the following steps:
the system comprises a qualification verification module, a marketing target client and a marketing target client, wherein the qualification verification module is used for performing asset verification on online and offline clients for reserving purchasing promotion products and performing batch asset verification on marketing target clients;
the limit adjusting module is used for adjusting the proportion of the locked limit in the release limit of the popularization type product and the release limit of the popularization type product;
and the locked amount order module is used for generating a locked amount order and pushing the locked amount order to the marketing target client.
The invention has the beneficial effects that:
by adopting the method and the system for adjusting the release limit of the promoted product based on the client data, the release limit of the promoted product and the proportion of the locked limit are adjusted through the client appointment amount verified and the appointed client distribution amount, so that the limit adjustment can be matched with the user requirement and the promotion requirement to the maximum extent, potential clients and loss clients are promoted, and the problems of limit waste and the like are avoided.
Drawings
FIG. 1 is a flow chart of a method for adjusting the issuance limit of a promotional product based on customer data according to the present invention.
Detailed Description
For a clearer understanding of the contents of the present invention, reference will be made to the accompanying drawings and examples.
FIG. 1 is a schematic flow chart of a method for adjusting the issuance limit of a promotional product based on customer data according to the present invention, which comprises:
and adjusting the release amount of the promotion type product according to the client appointment amount which passes the verification and the appointed client distribution amount. The client reservation amount comprises an amount of an on-line client for reserving and purchasing a popularization product and/or an amount of an off-line client for reserving and purchasing the popularization product; the appointed customer distribution amount comprises an amount of a marketing target customer for reserving and purchasing a promotional product actively submitted by a customer manager and/or an amount of a marketing target customer for reserving and purchasing the promotional product generated according to the customer asset data analysis; and the qualification verification comprises verifying whether the client meets the requirement of purchasing the promoted product according to client reservation purchasing promoted product information and client asset data, and also comprises generating a batch verification request according to a marketing target client list and executing batch asset verification operation. Specifically, the adjustment of the issuance limit of the promotion product includes: setting a maximum limit value of the issuing amount of the popularization type product; when the sum of the client appointment amount and the appointed client distribution amount which pass the verification is smaller than or equal to the maximum limit value, determining the release limit of the promotion type product according to the sum of the client appointment amount and the appointed client distribution amount which pass the verification within the range of the maximum limit value; and when the sum of the client appointment amount which passes the verification and the appointed client distribution amount is greater than the maximum limit value, setting the release limit of the promoted product as the maximum limit value, generating a maximum limit value adjustment request and sending the maximum limit value adjustment request to a department with the examination and approval authority for manual examination.
And adjusting the proportion of the locked amount in the release amount of the popularization type product according to the distribution amount of the appointed clients who pass the check. Specifically, the adjusting the proportion of the locked amount in the release amount of the promotion product includes: setting a maximum threshold value of the proportion of the locked amount; calculating an upper limit value which can be used as a locking limit according to the maximum threshold value and the release limit of the popularization type product; when the sum of the distribution amount of the specified clients who pass the qualification test is smaller than or equal to the upper limit value, determining the proportion of the locked amount in the release amount of the popularization type product according to the sum of the distribution amount of the specified clients who pass the qualification test within the range of the upper limit value; when the sum of the distribution amount of the appointed clients which pass the inspection is larger than the upper limit value, the proportion of the locking amount in the release amount of the popularization type product is set according to the maximum threshold value.
And generating a batch locked quota order for the marketing target clients passing the verification and pushing the order to the marketing target clients.
When the method is actually applied, for example, when a customer purchases a promotional product at a mobile banking terminal, the following steps may be specifically performed:
real-time qualification testing: the customer fills information such as the reserved amount of the money-exploded product in the mobile phone bank terminal and submits the information to the product reservation module, the module stores the customer reservation information by using a relational database, reads the reservation information and the qualification testing conditions of the database by using the Flink, calculates whether the qualification testing is passed or not in real time according to the customer management Assets (AUM), and displays the qualification testing result back to the mobile phone bank client terminal.
Monitoring the reservation amount, the purchase amount and the proper adjustment financing amount: according to the reservation data and the purchase data stored by the product reservation module, the surplus limit of the product is monitored in real time, the surplus limit is reminded to be actively pushed to an examination and approval manager every half hour, and the examination and approval manager can appropriately adjust the product limit as required.
Product name list system and batch timing task qualification verification: the customer manager can upload the actively marketed customer groups on the product name list module to support excel form import, and after the customer manager imports data such as customer numbers, prepared purchase amounts and the like into the system, the customer manager executes timed task batch running by utilizing the storage process of the relational database, calculates whether the name list customer has purchase qualification or not according to data such as qualification conditions, customer management assets and the like, and generates a customer file list if qualification is passed.
Generating a batch locked amount order: and (3) circularly traversing the client file list generated in the link 3, checking the qualification of the client before financial purchase, including but not limited to whether to sign a contract or not, and the like, wherein if the verification is passed, the batch order module automatically generates an order message and pushes the order message to the client of the client mobile phone bank to realize one-key purchase of the client, and simultaneously, each client order locks a quota, and the quota is called through an interface to inform a financial quota control system, and if the client fails to purchase in a specified time, the quota is released.
The invention also relates to a system for adjusting the issuance limit of a promotion type product based on the client data, which mainly comprises: the system comprises a qualification verification module, a marketing target client and a marketing target client, wherein the qualification verification module is used for performing asset verification on online and offline clients for reserving purchasing promotion products and performing batch asset verification on marketing target clients; the limit adjusting module is used for adjusting the proportion of the locked limit in the release limit of the popularization type product and the release limit of the popularization type product; and the locked amount order module is used for generating a locked amount order and pushing the locked amount order to the marketing target client.
Corresponding to the specific application scenario that the customer purchases the popularization type product at the mobile banking terminal, the system can be further preferably set as the following specific modules:
in the qualification testing module: the client reservation data storage submodule is mainly used for storing reservation data of a mobile banking client reservation money-exploding product; the real-time qualification testing sub-module is used for verifying whether the customer meets the purchasing condition according to the data such as the reservation information, the customer management assets and the like; and the analysis and statistics submodule analyzes and counts the reserved amount and the amount purchased currently.
The limit adjusting module comprises: adjusting the money amount submodule to control the money amount of the money selling and managing product; and the message sub-module is used for receiving the surplus limit prompt and the batch order locked limit prompt by the administrator.
In the limit locking order module: the limit pushing sub-module is used for pushing the remaining limit of the product to the limit control sub-system; the batch order generation submodule traverses the file to generate a batch order according to the generated verification passing list, locks the order amount and informs the amount control subsystem; and the batch order pushing module is used for pushing the batch orders to purchasing channels such as a mobile phone bank and the like.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims (9)

1. A method for adjusting the issuance limit of a promotion product based on client data is characterized by comprising the following steps:
adjusting the release amount of the promoted product according to the client appointment amount which passes the verification and the appointed client distribution amount;
and adjusting the proportion of the locked amount in the release amount of the popularization type product according to the distribution amount of the appointed clients who pass the check.
2. The method of claim 1, wherein the customer subscription amount comprises an amount of an online customer subscription to purchase a promotional product and/or an amount of an offline customer subscription to purchase a promotional product.
3. The method of claim 1, wherein the specified customer allocation amount comprises an amount of a marketing target customer on behalf of a customer manager to reserve for purchase of a promotional product and/or an amount of a marketing target customer to reserve for purchase of a promotional product generated from customer property data analysis.
4. The method of claim 1, wherein said adjusting the promotional product issue limit comprises:
setting a maximum limit value of the issuing amount of the popularization type product;
when the sum of the client appointment amount and the appointed client distribution amount which pass the verification is smaller than or equal to the maximum limit value, determining the release limit of the promotion type product according to the sum of the client appointment amount and the appointed client distribution amount which pass the verification within the range of the maximum limit value;
and when the sum of the client appointment amount which passes the verification and the appointed client distribution amount is greater than the maximum limit value, setting the release limit of the promoted product as the maximum limit value, generating a maximum limit value adjustment request and sending the maximum limit value adjustment request to a department with the examination and approval authority for manual examination.
5. The method as claimed in any one of claims 1 or 4, wherein the adjusting the proportion of the locked amount in the promotion product issuance amount comprises:
setting a maximum threshold value of the proportion of the locked amount;
calculating an upper limit value which can be used as a locking limit according to the maximum threshold value and the release limit of the popularization type product;
when the sum of the distribution amount of the specified clients who pass the qualification test is smaller than or equal to the upper limit value, determining the proportion of the locked amount in the release amount of the popularization type product according to the sum of the distribution amount of the specified clients who pass the qualification test within the range of the upper limit value;
when the sum of the distribution amount of the appointed clients which pass the inspection is larger than the upper limit value, the proportion of the locking amount in the release amount of the popularization type product is set according to the maximum threshold value.
6. The method of claim 2, wherein said funding comprises verifying that the customer is eligible to purchase a promotional product based on the customer subscription purchase promotional product information and the customer property data.
7. The method of claim 3, wherein the funding comprises generating a batch verification request based on a list of marketing target customers and performing a batch asset verification operation.
8. The method of claim 8, wherein the method further comprises:
and generating a batch locked quota order for the marketing target clients passing the verification and pushing the order to the marketing target clients.
9. A system for adjusting the issuance limit of a promotional product based on customer data, comprising:
the system comprises a qualification verification module, a marketing target client and a marketing target client, wherein the qualification verification module is used for performing asset verification on online and offline clients for reserving purchasing promotion products and performing batch asset verification on marketing target clients;
the limit adjusting module is used for adjusting the proportion of the locked limit in the release limit of the popularization type product and the release limit of the popularization type product;
and the locked amount order module is used for generating a locked amount order and pushing the locked amount order to the marketing target client.
CN202010880388.4A 2020-08-27 2020-08-27 Method and system for adjusting issuing amount of promoted product based on client data Pending CN112132647A (en)

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101162521A (en) * 2006-10-11 2008-04-16 中国民生银行股份有限公司 Trading information processing system and processing method
CN108985935A (en) * 2018-07-06 2018-12-11 兴业证券股份有限公司 Financial product recommended method and storage medium
CN110796536A (en) * 2019-10-14 2020-02-14 中国建设银行股份有限公司 Risk quota determining method and device
CN111461893A (en) * 2020-04-01 2020-07-28 江苏德绅智股权投资有限公司 Financial product pushing method and system based on block chain

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101162521A (en) * 2006-10-11 2008-04-16 中国民生银行股份有限公司 Trading information processing system and processing method
CN108985935A (en) * 2018-07-06 2018-12-11 兴业证券股份有限公司 Financial product recommended method and storage medium
CN110796536A (en) * 2019-10-14 2020-02-14 中国建设银行股份有限公司 Risk quota determining method and device
CN111461893A (en) * 2020-04-01 2020-07-28 江苏德绅智股权投资有限公司 Financial product pushing method and system based on block chain

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