CN113159896A - Online marketing method, device and system for bank financing products - Google Patents
Online marketing method, device and system for bank financing products Download PDFInfo
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Abstract
The invention discloses an online marketing method, a device and a system of bank financing products, which can be applied but not limited in the 5G technical field, and the system comprises: the system comprises a client terminal, a sales terminal, a message server, an audio and video server, a marketing management server and a customer service server; the client terminal is used for a target client to purchase a financial product of a bank outlet; the sales terminal is used for acquiring the user portrait of the target client and pushing one or more financial products to the client terminal according to the user portrait of the target client; the message server is used for transmitting the dialogue message between the sales terminal and the client terminal; the audio/video server is used for acquiring audio or video data of a target client and a salesperson in a conversation process; the marketing management server is used for providing product information of each financing product; the customer contacting server is used for completing the purchasing business process of the financial product after receiving the purchasing operation instruction of the target customer to the financial product. The invention can realize contactless bank financing product marketing.
Description
Technical Field
The invention discloses an online marketing method, device and system of bank financing products, which can be applied to the 5G technical field and can also be applied to any field except the 5G technical field.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
With the increasingly obvious trend of online customer service requirements, service personnel such as a customer manager and the like of a bank outlet professional lack an intelligent and efficient online operation service platform and tool, are not fully butted with a large amount of online customer flow, do not give full play to bank service resources, and have insufficient capacity of acquiring customers and depositing customers online. The new crown pneumonia epidemic situation in 2020 promotes the application of a non-contact service mode in various industries, particularly in the financial industry, and promotes the deep touch of businesses such as the marketing of customers at a website through new technologies such as audio and video in order to meet the service requirements of the customers on bank websites.
Disclosure of Invention
The embodiment of the invention provides an online marketing system of bank financing products, which is used for solving the technical problems that the efficiency is low and the disease propagation is easily caused by the face-to-face contact of personnel is needed in the prior bank outlets because the salesperson recommends the financing products for clients on site, and the system comprises: the system comprises a client terminal, a sales terminal, a message server, an audio and video server, a marketing management server and a customer service server; the client terminal is used for a target client to purchase financial products of a bank outlet; the sales terminal is communicated with the client terminal and used for acquiring the user portrait of the target client and pushing one or more financial products to the client terminal according to the user portrait of the target client; the message server is communicated with the sales terminal and the client terminal respectively and is used for transmitting the conversation messages between the sales terminal and the client terminal; the audio and video server is respectively communicated with the sales terminal and the client terminal and is used for acquiring audio data or video data of a target client and sales personnel in a conversation process; the marketing management server is respectively communicated with the sales terminal and the client terminal and is used for providing product information of each financial product to the sales terminal and the client terminal; and the customer contacting server is communicated with the client terminal and is used for completing the purchasing business process of the financial product after receiving the purchasing operation instruction of the target client to the financial product.
The embodiment of the invention also provides an online marketing method of bank financing products, which is used for solving the technical problems that the efficiency is low and the disease propagation is easily caused by the face-to-face contact of personnel is needed in the prior bank outlets because the salesperson recommends the financing products for the clients on site, and the method comprises the following steps: creating one or more online workrooms, wherein each online workroom corresponds to one sales terminal; under the condition that the client terminal of a target client is monitored to log in any online studio, establishing a message transmission channel between the client terminal and a corresponding sales terminal; transmitting a dialogue message between the sales terminal and the client terminal through a message transmission channel; pushing product information of one or more financial products to a client terminal of a target client through a sales terminal according to a user portrait of the target client, wherein the product information comprises: a product purchase link; and receiving a purchase operation instruction issued by a target client through a product purchase link of any financial product entered by the client terminal, and completing a purchase business process of the corresponding financial product according to the purchase operation instruction.
The embodiment of the invention also provides an online marketing device of bank financing products, which is used for solving the technical problems that the efficiency is low and the disease propagation is easily caused by the face-to-face contact of the personnel required by the prior bank outlets because the salesperson recommends the financing products for the clients on site, and the device comprises: the virtual studio creating module is used for creating one or more online studios, wherein each online studio corresponds to one sales terminal; the system comprises a message transmission channel establishing module, a message transmission channel establishing module and a message sending module, wherein the message transmission channel establishing module is used for establishing a message transmission channel between a client terminal and a corresponding sales terminal under the condition that the client terminal of a target client is monitored to log in any online studio; the message transmission module is used for transmitting the dialogue message between the sales terminal and the client terminal through the message transmission channel; the product pushing module is used for pushing product information of one or more financial products to a client terminal of a target client through a sales terminal according to a user portrait of the target client, wherein the product information comprises: a product purchase link; and the product transaction module is used for receiving a purchase operation instruction issued by a target customer through a product purchase link of any financial product entered by the customer terminal and completing a purchase business process of the corresponding financial product according to the purchase operation instruction.
The embodiment of the invention also provides computer equipment for solving the technical problems that the efficiency is low and the disease propagation is easily caused by the face-to-face contact of personnel required by recommending the financial products to customers by the field of the salesperson in the existing bank outlets.
The embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problems that the efficiency is low and the disease propagation is easily caused by the face-to-face contact of personnel is needed when the salesperson recommends the financial product for the client on site in the existing bank outlets.
The bank financing product on-line marketing method, the bank financing product on-line marketing device, the bank financing product on-line marketing system, the bank customer and the computer readable storage medium provided by the embodiment of the invention can buy the financing product of a bank outlet through the customer terminal; a salesman of a bank financing product can obtain a user portrait of a target client through a sales terminal, push one or more financing products to a client terminal of the target client according to the user portrait of the target client, transmit a conversation message between the sales terminal and the client terminal through a message server which is respectively communicated with the sales terminal and the client terminal, acquire audio data or video data of the target client and the salesman in a conversation process through an audio and video server which is respectively communicated with the sales terminal and the client terminal, provide product information of each financing product to the sales terminal and the client terminal through a marketing management server which is respectively communicated with the sales terminal and the client terminal, and finally complete a purchasing business process of the financing product after receiving a purchasing operation instruction of the financing product from the target client through a contact server.
Compared with marketing schemes for offline communication in the prior art, the embodiment of the invention provides a contactless marketing scheme for bank financial products, which improves the transaction efficiency of the financial products, and can realize accurate pushing of the financial products by pushing the financial products to target clients based on the user figures of the target clients.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic diagram of an online marketing system for a bank financial product provided in an embodiment of the present invention;
fig. 2 is a schematic diagram of a module composition structure of a client terminal according to an embodiment of the present invention;
fig. 3 is a schematic diagram of a module composition structure of a point-of-sale terminal provided in an embodiment of the present invention;
fig. 4 is a schematic diagram of a module composition structure of an audio/video server provided in an embodiment of the present invention;
FIG. 5 is a flow chart of an online marketing method for bank financial products according to an embodiment of the present invention;
FIG. 6 is a schematic diagram of an online marketing device for a bank financial product according to an embodiment of the present invention;
fig. 7 is a schematic diagram of a computer device provided in an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The embodiment of the invention provides an online marketing system of bank financial products, which provides a one-stop financial product purchasing process integrating product recommendation, product purchase and recording, and improves the convenience of marketing service of the bank financial products.
Fig. 1 is a schematic diagram of an online marketing system for a bank financial product provided in an embodiment of the present invention, and as shown in fig. 1, the system includes: the system comprises a client terminal 1, a sales terminal 2, a message server 3, an audio and video server 4, a marketing management server 5 and a customer service server 6.
The client terminal 1 is used for a target client to purchase financial products of a bank outlet; the sales terminal 2 is communicated with the client terminal 1 and used for acquiring the user portrait of the target client and pushing one or more financial products to the client terminal according to the user portrait of the target client; a message server 3, which is respectively communicated with the sales terminal 2 and the client terminal 1 and is used for transmitting the dialogue messages between the sales terminal and the client terminal; the audio and video server 4 is respectively communicated with the sales terminal 2 and the client terminal 1 and is used for collecting audio data or video data of a target client and sales personnel in a conversation process; a marketing management server 5, which is communicated with the sales terminal 2 and the client terminal 1 respectively, and is used for providing product information of each financial product to the sales terminal and the client terminal; and the customer contacting server 6 is communicated with the client terminal 1 and is used for completing the purchasing business process of the financial product after receiving the purchasing operation instruction of the target customer on the financial product.
It should be noted that, the client terminal 1 in the embodiment of the present invention is a mobile intelligent device with a wireless communication module, such as a smart phone, a tablet computer, etc., and an application program capable of purchasing a bank financial product may be installed on the device, and the application program provides operations such as client identity verification, text message communication, bank product browsing and viewing, audio/video interactive communication, bank product purchasing, etc. by integrating a C-side atomic component; the sales terminal 2 can be a mobile intelligent device with a wireless communication module, such as a mobile phone, a tablet personal computer and the like, an application program capable of providing marketing service of bank financial products can be installed on the device, and the application program provides operations, such as customer information query, text message communication, bank product query recommended for customers, product recommendation, audio and video interactive communication and the like, required by customer manager interactive marketing in a mode of integrating C-terminal atomic components.
The message server 3 in the embodiment of the present invention may provide encoding and decoding of a dialog message (e.g., a text message), and is responsible for functions such as transmission security, message sending, receiving, and storage of the dialog message; the audio and video server 4 can provide functions of establishing an audio or video call path, recording and videotaping in the audio or video call process, filing double-recorded information and the like, and decode and add codes to transmission data to ensure the safety and integrity of audio and video information transmission; the marketing management server 5 can sell requests such as customer information query, bank product query and the like of the terminal, and provide functions such as bank product recommendation logic and the like; the customer contact server 6 can receive a customer identity information verification request sent by the client terminal, verify the identity of the customer, receive a bank product browsing and checking request and a product purchasing request initiated by the customer, and complete a product purchasing process.
Optionally, the client terminal 1, the sales terminal 2, the message server 3, the audio/video server 4, the marketing management server 5, and the customer service server 6 in the embodiment of the present invention communicate with each other through the wide area network 7.
In an embodiment, as shown in fig. 2, in the online marketing system provided in the embodiment of the present invention, the client terminal 1 may specifically include: the system comprises a user information verification module 11, a first message communication module 12, a first audio/video interaction module 13, a product browsing module 14 and a product purchasing module 15.
The user information verification module 11 is used for verifying the identity information of the target client; a first message communication module 12, configured to send a session message of a client terminal or receive a session message of a sales terminal; the first audio/video interaction module 13 is used for sending audio data or video data of a target client in a conversation process; a product browsing module 14, configured to receive product information of one or more financial products, where the product information includes: a product purchase link; and the product purchasing module 15 is used for entering the product purchasing link and executing the purchasing operation of the financial product.
In a specific implementation, the user information verification module 11 may verify the client identity information in any one of the following manners: user name + password, mobile phone number + verification code, face recognition and the like; the target client can initiate a conversation (for example, text message communication) to the salesperson through the message communication function of the first message communication module 12, perform product consultation, and receive a conversation message sent by the salesperson through the sales terminal; the first audio/video interaction module 13 can provide an audio/video communication consultation function for a client, can communicate with a client manager 'screen-to-screen' and receive product introduction and audio/video recording requirements of the client manager; the product browsing module 14 can receive product information (including product introduction and purchase link) of one or more financial products sent by the sales personnel through the sales terminal, so that the target customer browses the product detailed information, product specification and other contents; the product purchasing module 15 can be used for issuing a purchasing operation instruction of the financial product by a target customer to complete the purchase of the financial product.
Optionally, the first audio/video interaction module 13 in the embodiment of the present invention may send audio data or video data of the target client in a conversation process through a 5G message, so as to implement real-time transmission of the audio data or the video data.
It should be noted that, when the user information verification module 11 verifies the identity information of the client by using the user name and the password, the target client may use the JS password keyboard to enter the password, and encrypt the scene in which the client inputs the password; and the transmission of sensitive information such as mobile phone numbers, passwords and the like is uniformly processed by an encryption and decryption module of the bank system.
Optionally, the product purchasing module 15 may adopt means such as communication encryption, repeated submission prevention, and the like to verify the transaction card number or account number and password selected by the customer, and finally complete the product purchasing closed loop.
In an embodiment, as shown in fig. 3, in the online marketing system provided in the embodiment of the present invention, the sales terminal 2 may specifically include: a client representation module 21, a second message communication module 22, a marketing product information module 23, a second audio/video interaction module 24 and a product recommendation module 25.
Wherein, the client portrait module 21 is used for generating a user portrait of a target client; a second message communication module 22 for sending a session message of the sales terminal or receiving a session message of the client terminal; a marketing product information module 23 for providing product information of each financial product; the second audio and video interaction module 24 is used for sending audio data or video data of the salesperson in the conversation process; and the product recommending module 25 is used for pushing one or more financial products to the client terminal according to the user portrait of the target client.
In particular implementation, the customer representation module 21 may provide the salesperson with a user representation query function of the target customer, including but not limited to: the information such as the age, the sex, the asset condition, the product holding condition and the like of the client so as to assist the salesperson to make recommended product analysis; the second message communication module 22 can provide a dialog function with the target customer for the salesperson, so as to facilitate the product introduction of the financial product to the target customer; the marketing product information module 23 can provide the information query function of financial products for sales personnel and provide a product library for the customer manager to recommend products; the second audio/video interaction module 24 can provide operations such as audio/video interaction communication, recording and the like for a customer manager, and the customer manager can start and end recording and the like according to a supervision required flow in the process of audio/video communication with the customer; the product recommendation module 25 may send product information (including product introduction and purchase link) to the target customer by querying the product information.
Optionally, the second audio/video interaction module 24 in the embodiment of the present invention may send audio data or video data of the salesperson in a conversation process through a 5G message, so as to implement real-time transmission of the audio data or the video data.
In an embodiment, as shown in fig. 4, in the online marketing system provided in the embodiment of the present invention, the audio/video server 4 may specifically include: an online studio creation module 41, an audio and video call module 42, a recording module 43 and a double recording information archiving module 44.
The online studio creating module 41 is configured to create one or more online studios, where each online studio corresponds to one sales terminal; the audio and video call module 42 is used for decoding audio data or video data to be sent and decoding received audio data or video data; a recording module 43, configured to collect audio data or video data of the target customer and the salesperson during a conversation process; and the double-record information archiving module 44 is used for storing the transaction information of the financial product, the conversation messages of the target client and the salespersons, and the audio data or the video data of the target client and the salespersons in a conversation process in an associated manner.
In one embodiment, the dual-record information archiving module 44 may store the transaction information of the financial product, the conversation message of the target customer and the salesperson, and the audio data or video data of the target customer and the salesperson during the conversation process in a block link network in an associated manner, and utilize the non-tamper-property of the data stored in the block link network to realize the traceability of the transaction information of the financial product.
Optionally, the audio/video call module 42 is further configured to decode and decode audio data or video data based on an RTP video transmission protocol.
In specific implementation, the online studio creation module 41 may provide functions such as creating an online studio (virtual room), studio invitation, and work of entering; the audio and video call module 42 can decode and decode audio and video data based on an RTP video transmission protocol, provide clear and weak network-resistant tone quality and images, and ensure the security and integrity of audio and video information transmission; the recording module 43 can provide the functions of starting, ending and switching screens of recording and recording so as to allow a customer manager to record and record the product description and risk prompting process of the customer in the product marketing process and ensure the compliance of the process; the double-record information archiving module 44 is used for completing the association of the double-record files and the product transaction information, and ensuring that the marketing process can be tracked and inquired.
As can be seen from the above, the embodiment of the present invention provides a non-contact bank interactive marketing system and method based on audio and video technology, which provides an interactive and concomitant product purchasing service to customers without leaving any business by building a service entrance (e.g., an online studio) of a product salesperson. Through the introduction of text communication and audio and video technologies, close communication and exchange between a salesman and a target client are realized, audio recording and video recording are completed according to supervision requirements, the client is assisted to complete transaction processing, the face-to-face service mode of a bank outlet is upgraded into non-contact screen-to-screen service, and the convenience of product marketing service is improved. Optionally, each module is realized in the form of an atomic service component, which can meet the requirements of rapid implantation in different channels.
Based on the same inventive concept, the embodiment of the invention also provides an online marketing method of bank financing products, which is described in the following embodiment. Because the principle of solving the problems of the method is similar to the online marketing system of the bank financing product, the implementation of the method can refer to the implementation of the online marketing system of the bank financing product, and repeated parts are not repeated.
Fig. 5 is a flowchart of an online marketing method for bank financing products according to an embodiment of the present invention, as shown in fig. 5, the method includes the following steps:
s501, one or more online workrooms are created, wherein each online workroom corresponds to one sales terminal.
In specific implementation, one or more online workrooms (virtual workrooms, similar to live broadcasting rooms) can be created on an online marketing platform of bank financial products, so that each online workroom corresponds to a sales terminal of a salesman, and a special salesman is responsible for selling the bank financial products.
S502, under the condition that the client terminal of the target client is monitored to log in any online studio, a message transmission channel between the client terminal and the corresponding sales terminal is established.
When a client (target client) logs in an online studio through a client terminal, a message transmission channel between the client terminal and a corresponding sales terminal of the online studio can be established so that the target client and sales personnel can transmit conversation messages.
And S503, transmitting the dialogue message between the sales terminal and the client terminal through the message transmission channel.
It should be noted that after a message transmission channel between a client terminal and a corresponding sales terminal is established, a target client can initiate instant message communication with sales staff (client manager), and non-contact client appeal learning and demand mining are achieved through instant chat.
Optionally, in the embodiment of the present invention, the dialog message format transmitted through the message transmission channel may be a text, a picture, or the like.
S504, pushing product information of one or more financial products to a client terminal of a target client through a sales terminal according to a user portrait of the target client, wherein the product information comprises: a product purchase link.
The salesperson can determine one or more financial products to be pushed to the target customer according to the user image (containing the financial characteristic information of the target customer) of the target customer and the product demand information of the target customer, and pushes the product information of the financial products to the client terminal of the target customer.
And S505, receiving a purchase operation instruction issued by a target customer through a product purchase link of any financial product entered by the customer terminal, and completing a purchase business process of the corresponding financial product according to the purchase operation instruction.
The target customer can browse the product information of each financial product pushed by the sales terminal through the customer terminal, enter a corresponding product purchasing link for the financial product to be purchased, issue a purchasing operation instruction and execute a purchasing business process of the corresponding financial product.
Based on the same inventive concept, the embodiment of the invention also provides an online marketing device for bank financing products, as described in the following embodiments. Because the principle of solving the problems of the device is similar to the online marketing method of the bank financing product, the implementation of the device can refer to the implementation of the online marketing method of the bank financing product, and repeated parts are not repeated.
Fig. 6 is a schematic view of an online marketing device for bank financial products according to an embodiment of the present invention, as shown in fig. 6, the device includes: a virtual studio creation module 61, a message transmission channel establishment module 62, a message transmission module 63, a product push module 64, and a product transaction module 65.
The virtual studio creating module 61 is configured to create one or more online studios, where each online studio corresponds to a sales terminal; a message transmission channel establishing module 62, configured to establish a message transmission channel between a client terminal and a corresponding sales terminal when it is monitored that the client terminal of a target client logs in any one online studio; a message transmission module 63, configured to transmit a session message between the sales terminal and the client terminal through a message transmission channel; a product pushing module 64, configured to push product information of one or more financial products to a client terminal of a target client through a sales terminal according to a user portrait of the target client, where the product information includes: a product purchase link; the product transaction module 65 is configured to receive a purchase operation instruction issued by a target customer through a product purchase link of any financial product entered by the customer terminal, and complete a purchase business process of the corresponding financial product according to the purchase operation instruction.
It should be noted here that the virtual studio creation module 61, the message transmission channel establishment module 62, the message transmission module 63, the product pushing module 64 and the product transaction module 65 correspond to S501 to S505 in the method embodiment, and the modules are the same as the corresponding steps in the implementation example and application scenarios, but are not limited to the disclosure in the method embodiment. It should be noted that the modules described above as part of an apparatus may be implemented in a computer system such as a set of computer-executable instructions.
Based on the same inventive concept, an embodiment of the present invention further provides a computer device, so as to solve the technical problems that sales staff recommend a financial product to a client on site, the efficiency is low, and the disease propagation is easily caused by the face-to-face contact of the staff is required in the existing banking outlets, fig. 7 is a schematic diagram of the computer device provided in the embodiment of the present invention, as shown in fig. 7, the computer device 70 includes a memory 701, a processor 702, and a computer program stored in the memory 701 and capable of running on the processor 702, and when the processor 702 executes the computer program, the online marketing method of the banking financial product is implemented.
Based on the same inventive concept, the embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problems that the efficiency is low and the disease transmission is easily caused by the face-to-face contact of personnel is needed when the salesperson recommends the financial product for the client on site in the existing bank outlets.
In summary, the online marketing method, the device, the system, the computer device and the computer readable storage medium for bank financial products provided in the embodiments of the present invention build an online marketing system for bank financial products, so that a bank customer can purchase a financial product of a bank outlet through a customer terminal; a salesman of a bank financing product can obtain a user portrait of a target client through a sales terminal, push one or more financing products to a client terminal of the target client according to the user portrait of the target client, transmit a conversation message between the sales terminal and the client terminal through a message server which is respectively communicated with the sales terminal and the client terminal, acquire audio data or video data of the target client and the salesman in a conversation process through an audio and video server which is respectively communicated with the sales terminal and the client terminal, provide product information of each financing product to the sales terminal and the client terminal through a marketing management server which is respectively communicated with the sales terminal and the client terminal, and finally complete a purchasing business process of the financing product after receiving a purchasing operation instruction of the financing product from the target client through a contact server.
Compared with marketing schemes for offline communication in the prior art, the embodiment of the invention provides a contactless marketing scheme for bank financial products, which improves the transaction efficiency of the financial products, and can realize accurate pushing of the financial products by pushing the financial products to target clients based on the user figures of the target clients.
By the embodiment of the invention, the following technical effects can be realized but not limited: adopt the mode of B end page service + C end atom component to construct pluggable front end subassembly, provide for implanting the service module at any time for facing the internet scene, can touch channels such as visitor APP and marketing APP and come-to-line fast at the difference according to the practical application scene of bank application. And secondly, the Internet access is utilized to realize the on-line remote communication and marketing of a customer manager, so that the one-stop, integrated and exclusive service integrating purchase consultation, product purchase and audio and video recording is provided for the customer, and the landing or switching processing of the service and the purchase link is avoided.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. An online marketing system for bank financing products, comprising: the system comprises a client terminal, a sales terminal, a message server, an audio and video server, a marketing management server and a customer service server;
the client terminal is used for a target client to purchase financial products of a bank outlet;
the sales terminal is communicated with the client terminal and used for acquiring the user portrait of the target client and pushing one or more financial products to the client terminal according to the user portrait of the target client;
the message server is communicated with the sales terminal and the client terminal respectively and is used for transmitting the conversation messages between the sales terminal and the client terminal;
the audio and video server is respectively communicated with the sales terminal and the client terminal and is used for collecting audio data or video data of a target client and sales personnel in a conversation process;
the marketing management server is communicated with the sales terminal and the client terminal respectively and is used for providing product information of each financial product to the sales terminal and the client terminal;
and the customer contacting server is communicated with the client terminal and is used for completing the purchasing business process of the financial product after receiving the purchasing operation instruction of the target client to the financial product.
2. The system of claim 1, wherein the client terminal comprises:
the user information verification module is used for verifying the identity information of the target client;
the first message communication module is used for sending a conversation message of a client terminal or receiving a conversation message of a sales terminal;
the first audio/video interaction module is used for sending audio data or video data of a target client in a conversation process;
the product browsing module is used for receiving product information of one or more financial products, wherein the product information comprises: a product purchase link;
and the product purchasing module is used for entering the product purchasing link and executing the purchasing operation of the financial product.
3. The system of claim 1, wherein the point-of-sale terminal comprises:
a client representation module for generating a user representation of a target client;
the second message communication module is used for sending the conversation message of the sales terminal or receiving the conversation message of the client terminal;
the marketing product information module is used for providing product information of each financial product;
the second audio and video interaction module is used for sending audio data or video data of the salesperson in the conversation process;
and the product recommendation module is used for pushing one or more financial products to the client terminal according to the user portrait of the target client.
4. The system of claim 1, wherein the audio-video server comprises:
the system comprises an online studio creating module, a sales terminal and a display module, wherein the online studio creating module is used for creating one or more online studios, and each online studio corresponds to one sales terminal;
the audio and video call module is used for decoding audio data or video data to be sent and decoding the received audio data or video data;
the audio recording and video recording module is used for acquiring audio data or video data of a target client and a salesperson in a conversation process;
and the double-record information filing module is used for storing the transaction information of the financial product, the conversation messages of the target client and the salespersons and the audio data or the video data of the target client and the salespersons in a conversation process in a correlated manner.
5. The system of claim 4, wherein the audio video call module is configured to decode and decode audio data or video data based on an RTP video transport protocol.
6. The system of any one of claims 1 to 5, wherein the client terminal, the sales terminal, the message server, the audio-visual server, the marketing management server and the touch server communicate with each other via a wide area network.
7. An online marketing method for bank financing products is characterized by comprising the following steps:
creating one or more online workrooms, wherein each online workroom corresponds to one sales terminal;
under the condition that the client terminal of a target client is monitored to log in any online studio, establishing a message transmission channel between the client terminal and a corresponding sales terminal;
transmitting a dialogue message between the sales terminal and the client terminal through the message transmission channel;
pushing product information of one or more financial products to a client terminal of a target client through a sales terminal according to a user portrait of the target client, wherein the product information comprises: a product purchase link;
and receiving a purchase operation instruction issued by a target client through a client terminal to enter a product purchase link of any financial product, and completing a purchase business process of the corresponding financial product according to the purchase operation instruction.
8. An online marketing device for bank financing products, comprising:
the virtual studio creating module is used for creating one or more online studios, wherein each online studio corresponds to one sales terminal;
the system comprises a message transmission channel establishing module, a message transmission channel establishing module and a message sending module, wherein the message transmission channel establishing module is used for establishing a message transmission channel between a client terminal and a corresponding sales terminal under the condition that the client terminal of a target client is monitored to log in any online studio;
the message transmission module is used for transmitting the dialogue message between the sales terminal and the client terminal through the message transmission channel;
the product pushing module is used for pushing product information of one or more financial products to a client terminal of a target client through a sales terminal according to a user portrait of the target client, wherein the product information comprises: a product purchase link;
and the product transaction module is used for receiving a purchase operation instruction issued by a target customer through a product purchase link of any financial product entered by the customer terminal and completing a purchase business process of the corresponding financial product according to the purchase operation instruction.
9. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements the method of online marketing of bank financing products of claim 7.
10. A computer-readable storage medium storing a computer program for executing the online marketing method of a banking product of claim 7.
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| CN202110464915.8A CN113159896A (en) | 2021-04-28 | 2021-04-28 | Online marketing method, device and system for bank financing products |
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