TWI618011B - Processing method and system of marketing in financial institutions - Google Patents
Processing method and system of marketing in financial institutions Download PDFInfo
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Abstract
本發明揭露一種在一金融機構行銷的處理方法與處理系統。在金融機構行銷的處理方法包括以下步驟：針對將臨櫃的一客戶找出適合的一商品廣告資訊；以及於客戶臨櫃時或客戶等候時提供商品廣告資訊給客戶。 The invention discloses a processing method and a processing system for marketing in a financial institution. The processing method of financial institution marketing includes the following steps: finding a suitable product advertisement information for a customer who is going to the cabinet; and providing product advertisement information to the customer when the customer comes to the cabinet or when the customer waits.
Description
本發明係關於一種行銷的處理方法與系統，特別關於一種在金融機構行銷的處理方法與處理系統。 The present invention relates to a method and system for processing marketing, and more particularly to a processing method and processing system for marketing in a financial institution.
傳統上，客戶要到金融機構櫃台窗口辦理各項業務時，需先抽取號碼牌，待叫號後才能到櫃台窗口請銀行行員協助辦理。櫃台服務人員要等到客戶來到櫃台前面，再向客戶詢問欲辦理之事項，或由客戶交付之傳票單據判斷客戶欲辦理之交易業務，再執行相關電腦連線交易程式，以完成客戶委辦的業務項目。 Traditionally, when customers go to the financial institution counter window to handle various business, they need to pick up the number plate first. After waiting for the number, they can go to the counter window and ask the bank staff to assist. The counter service personnel should wait until the customer comes to the front of the counter, and then ask the customer for the matter to be handled, or the subpoena document delivered by the customer to judge the transaction business that the customer wants to handle, and then execute the relevant computer connection transaction program to complete the client's commission. Business project.
然而，當客戶來到銀行櫃台窗口並交付身分證件或傳票單據給服務人員之前，金融機構的人員並不知道該名客戶的身分，也不知道該名客戶要辦理哪一種業務，當然更無法得知該名客戶對該金融機構其他金融商品的需求，因此，金融機構或櫃台人員並無法於客戶臨櫃時或客戶等候時提供適合該客戶的商品廣告資訊給該名客戶。 However, before the customer comes to the bank counter window and delivers the identity document or the voucher document to the service personnel, the financial institution's personnel do not know the identity of the customer, nor do they know which service the customer wants to handle, and certainly not. Knowing the customer's demand for other financial products of the financial institution, the financial institution or counter staff cannot provide the customer's product advertisement information to the customer when the customer comes to the counter or when the customer waits.
本發明之目的為提供一種在金融機構行銷的處理方法與處理系統，可針對將臨櫃的客戶找出適合的商品廣告資訊，並於客戶臨櫃時或客戶等候時提供適合的商品廣告資訊給客戶，藉此達到精準行銷的目的。 The object of the present invention is to provide a processing method and a processing system for marketing in a financial institution, which can find suitable product advertisement information for the customer who is going to the cabinet, and provide suitable product advertisement information when the customer comes to the cabinet or when the customer waits. Customers, in order to achieve the purpose of accurate marketing.
本發明提出一種在一金融機構行銷的處理方法，包括以下步驟：針對將臨櫃的一客戶找出適合的一商品廣告資訊；以及於客戶臨櫃時或客戶等候時提供商品廣告資訊給客戶。 The invention provides a method for processing marketing in a financial institution, comprising the steps of: finding a suitable product advertisement information for a customer who is going to the cabinet; and providing the product advertisement information to the customer when the customer comes to the cabinet or when the customer waits.
在一實施例中，處理方法更包括以下步驟：在金融機構內透過一預約叫號裝置取得客戶的一臨櫃事項資訊，其中商品廣告資訊係根據 臨櫃事項資訊找出，臨櫃事項包含存放款、外幣買賣、貸款或投資。 In an embodiment, the processing method further comprises the steps of: obtaining, by the financial institution, a information about the customer's cabinet through a reservation calling device, wherein the commodity advertising information is based on The information on the cabinet is found out. The cabinet items include deposits, foreign currency transactions, loans or investments.
在一實施例中，商品廣告資訊播放於一顯示器。 In one embodiment, the merchandise advertisement information is played on a display.
在一實施例中，處理方法更包括以下步驟：在金融機構內透過一預約叫號裝置取得客戶的身分，其中商品廣告資訊係根據客戶的身分從一客戶資料庫中找出。 In an embodiment, the processing method further comprises the steps of: obtaining the identity of the customer through a reservation call device in the financial institution, wherein the product advertisement information is found from a customer database according to the identity of the customer.
在一實施例中，商品廣告資訊係以推播、簡訊或通話方式提供給客戶。 In one embodiment, the merchandise advertisement information is provided to the customer by means of a push, a short message or a call.
本發明又提出一種在一金融機構行銷的處理系統，包括一伺服器以及一終端裝置。伺服器針對將臨櫃的一客戶找出適合的一商品廣告資訊。終端裝置於客戶臨櫃時或客戶等候時提供商品廣告資訊給客戶。 The invention further provides a processing system for marketing in a financial institution, comprising a server and a terminal device. The server finds a suitable product advertisement information for a customer who will come to the cabinet. The terminal device provides product advertisement information to the customer when the customer comes to the cabinet or when the customer waits.
在一實施例中，處理系統更包括一預約叫號裝置，其可取得客戶的一臨櫃事項資訊，其中商品廣告資訊係根據臨櫃事項資訊找出，臨櫃事項包含存放款、外幣買賣、貸款或投資。 In an embodiment, the processing system further includes a reservation call number device, which can obtain information about a customer's cabinet information, wherein the merchandise advertisement information is found according to the information of the counter cabinet, and the deposit counter includes deposit and purchase, foreign currency purchase and sale, Loan or investment.
在一實施例中，終端裝置是一顯示器。 In an embodiment, the terminal device is a display.
在一實施例中，處理系統更包括一預約叫號裝置，其可取得客戶的身分，其中商品廣告資訊係根據客戶的身分從一客戶資料庫中找出。 In one embodiment, the processing system further includes a reservation call number device that can obtain the identity of the customer, wherein the merchandise advertisement information is found from a customer database based on the identity of the customer.
在一實施例中，終端裝置是客戶的行動通訊裝置，商品廣告資訊係以推播、簡訊或通話方式提供給客戶。 In one embodiment, the terminal device is a mobile communication device of the client, and the product advertisement information is provided to the client by means of push, SMS or call.
承上所述，在本發明之在金融機構行銷的處理方法與處理系統中，可針對將臨櫃的客戶找出適合的商品廣告資訊後，再於客戶臨櫃時或客戶等候時提供適合的商品廣告資訊給該客戶。藉此，相較於傳統的金融機構無法得知客戶身分或要辦理哪一種業務，且無法提供適合的商品廣告資訊給客戶而言，本發明可於客戶臨櫃時或客戶等候時提供適合的商品廣告資訊給該客戶，因此可達到精準行銷的目的。 As described above, in the processing method and processing system of the financial institution marketing of the present invention, it is possible to find suitable product advertisement information for the customer who is going to the cabinet, and then provide suitable information when the customer comes to the cabinet or when the customer waits. Product advertising information to this customer. In this way, the present invention can provide a suitable product when the customer comes to the counter or when the customer waits, compared to the traditional financial institution that cannot know the customer identity or which business to be processed, and cannot provide suitable merchandising information to the customer. Product advertising information is given to this customer, so the purpose of accurate marketing can be achieved.
11、33‧‧‧預約叫號裝置 11, 33‧‧‧ Reservation Calling Device
12‧‧‧顯示器 12‧‧‧ display
13‧‧‧電子設備 13‧‧‧Electronic equipment
14‧‧‧影像擷取單元 14‧‧‧Image capture unit
2、32‧‧‧終端裝置 2. 32‧‧‧ terminal devices
3‧‧‧處理系統 3‧‧‧Processing system
31‧‧‧伺服器 31‧‧‧Server
311‧‧‧處理器 311‧‧‧ processor
312‧‧‧記憶體 312‧‧‧ memory
S01、S02、S03、S04‧‧‧步驟 S01, S02, S03, S04‧‧ steps
圖1為本發明一實施例之在金融機構行銷的應用示意圖。 FIG. 1 is a schematic diagram of application of marketing in a financial institution according to an embodiment of the present invention.
圖2為本發明在金融機構行銷的處理方法的步驟流程圖。 2 is a flow chart showing the steps of a method for processing a financial institution in the present invention.
圖3與圖4分別為本發明不同實施例之在金融機構行銷的處理方法的步驟流程圖。 3 and FIG. 4 are respectively a flow chart showing the steps of a method for processing a financial institution in a different embodiment of the present invention.
圖5為本發明一實施例之在金融機構行銷的處理系統的功能方塊示意圖。 FIG. 5 is a functional block diagram of a processing system for marketing in a financial institution according to an embodiment of the present invention.
以下將參照相關圖式，說明依本發明較佳實施例之在金融機構行銷的處理方法與處理系統，其中相同的元件將以相同的參照符號加以說明。 The processing method and processing system for financial institution marketing according to the preferred embodiment of the present invention will be described with reference to the accompanying drawings, wherein like elements will be described with the same reference numerals.
傳統上，客戶到金融機構櫃台辦理業務，在交付身分證件或傳票單據給服務人員之前，銀行行員並不知道該名客戶的身分或要辦理哪一種業務，當然更無法於臨櫃時或客戶等候時提供適合該名客戶其他商品的行銷廣告與資訊。透過以下的實施例說明，金融機構就可於客戶臨櫃時或客戶等候時提供適合客戶的商品廣告資訊給該客戶。 Traditionally, customers go to the counters of financial institutions to handle their business. Before delivering the identity documents or subpoenas to the service personnel, the bank clerks do not know the identity of the customer or which kind of business to be handled. Of course, it is even more difficult to wait for the counter or the customer. Provide marketing advertising and information suitable for other products of this customer. Through the following examples, the financial institution can provide the customer's product advertisement information to the customer when the customer comes to the cabinet or when the customer waits.
請參照圖1並配合圖2所示，以詳細說明本發明在金融機構行銷的處理方法。其中，圖1為本發明一實施例之在金融機構行銷的應用示意圖，圖2為本發明在金融機構行銷的處理方法的步驟流程圖。 Please refer to FIG. 1 and FIG. 2 to explain in detail the processing method of the present invention for marketing in a financial institution. 1 is a schematic diagram of application of financial institution marketing in an embodiment of the present invention, and FIG. 2 is a flow chart of steps of a method for processing financial institution marketing in the present invention.
如圖1及圖2所示，在金融機構行銷的處理方法可包含步驟S01與步驟S02，藉此，可使客戶臨櫃前的等候時間或於臨櫃時提供適合該名客戶的商品廣告資訊，以提供該名客戶更多、更適切的廣告與服務，進而可增加該名客戶對該金融機構的認可與忠誠度，進而增加金融機構的商品銷售額。 As shown in FIG. 1 and FIG. 2, the processing method of the financial institution marketing may include steps S01 and S02, thereby enabling the customer to provide the product advertisement information suitable for the customer at the waiting time before the counter or at the counter. In order to provide more and more appropriate advertising and services for the customer, the customer's recognition and loyalty to the financial institution can be increased, thereby increasing the sales of financial institutions.
首先，步驟S01為：針對將臨櫃的客戶找出適合的商品廣告資訊。於此，當客戶進入金融機構內要臨櫃辦理金融業務之前，可先找出適合該名客戶的商品廣告資訊。其中，並不是透過金融機構內的接待人員詢問該名客戶的身分或欲辦理業務事項，而是利用例如圖1所示之金融機構內的預約叫號裝置11取得客戶要臨櫃辦理的事項資訊，或是透過預約叫號裝置11取得該客戶的身分後再找出適合的商品廣告資訊，故可節省接待人員的人力成本。其中，預約叫號裝置11可具有顯示與觸控功能，也可 具有列印出號碼單的功能，例如是具有觸控顯示功能的抽號碼機。 First, step S01 is: finding suitable product advertisement information for the customer who is going to the cabinet. Here, before the customer enters the financial institution to go to the counter to handle the financial business, he can first find out the product advertisement information suitable for the customer. Among them, the receptionist in the financial institution does not ask the identity of the customer or wants to handle the business matters, but uses the reservation numbering device 11 in the financial institution shown in FIG. Or, by obtaining the identity of the customer through the reservation numbering device 11, and then finding suitable product advertisement information, the labor cost of the reception staff can be saved. The reservation call device 11 can have a display and touch function, and can also The function of printing a number list, for example, a numbering machine with a touch display function.
接著，進行步驟S02：於客戶臨櫃時或客戶等候時提供商品廣告資訊給客戶。當利用預約叫號裝置11得知客戶要臨櫃辦理的事項資訊或取得客戶的身分後，可再由電子設備13找出適合該名客戶的商品廣告資訊，之後在客戶臨櫃時或客戶等候時提供適合該名客戶之商品廣告資訊給客戶。於此，電子設備13可為一台電腦或是一台伺服器。金融商品的廣告資訊可儲存在電子設備13或金融機構的另一電腦或伺服器中。另外，在此步驟S02中，更可透過顯示器12於客戶臨櫃時或客戶等候時提供商品廣告資訊給客戶。於此，顯示器12例如可包含TFT顯示面板或OLED顯示面板，並可顯示商品廣告資訊以供客戶觀看。顯示器12例如但不限於設置於金融機構的營業大廳內或櫃台前的明顯處所。如圖1所示，本實施例的顯示器12可安裝於櫃台前的明顯之處。 Next, proceed to step S02: providing product advertisement information to the customer when the customer is at the counter or when the customer is waiting. When the reservation calling device 11 is used to know the event information that the customer wants to handle, or obtain the identity of the customer, the electronic device 13 can find the product advertisement information suitable for the customer, and then wait for the customer to come to the counter or wait for the customer. Provide the product advertisement information suitable for the customer to the customer. Here, the electronic device 13 can be a computer or a server. The advertising information of the financial product can be stored in the electronic device 13 or another computer or server of the financial institution. In addition, in this step S02, the product advertisement information can be provided to the customer through the display 12 when the customer comes to the cabinet or when the customer waits. Herein, the display 12 may include, for example, a TFT display panel or an OLED display panel, and may display product advertisement information for viewing by a customer. Display 12 is, for example but not limited to, an obvious location that is placed in the business hall of a financial institution or in front of the counter. As shown in Fig. 1, the display 12 of the present embodiment can be mounted in front of the counter.
顯示器12可例如透過網路模組與電子設備13耦接，使客戶於辦理業務之前或當時，可明顯看到其顯示內容(銀行行員亦可透過另一顯示器看到顯示器12所顯示的資訊，以同步介紹商品給客戶)。於此，網路模組可為有線網路或無線網路模組，例如可包含區域網路(LAN)模組、Wi-Fi模組、第三代行動通訊技術模組(簡稱3G)、***行動通訊技術模組(簡稱4G)或長期演進技術(Long Term Evolution,LTE)模組，或其組合，並不限制。 The display 12 can be coupled to the electronic device 13 through a network module, for example, so that the user can clearly see the display content before or during the business operation (the bank clerk can also see the information displayed by the display 12 through another display. Introduce products to customers simultaneously.) Here, the network module can be a wired network or a wireless network module, for example, a local area network (LAN) module, a Wi-Fi module, a third generation mobile communication technology module (referred to as 3G), The fourth generation mobile communication technology module (referred to as 4G) or the Long Term Evolution (LTE) module, or a combination thereof, is not limited.
或者，也可透過終端裝置2於客戶臨櫃時或客戶等候時提供商品廣告資訊給客戶。於此，終端裝置2例如是客戶的行動通訊裝置，例如手機或平板電腦。當然也可於顯示器12與終端裝置2上皆顯示商品廣告資訊給客戶觀看。 Alternatively, the terminal device 2 may also provide product advertisement information to the customer when the customer is at the counter or when the customer waits. Here, the terminal device 2 is, for example, a mobile communication device of a client, such as a mobile phone or a tablet computer. Of course, the product advertisement information can also be displayed on the display 12 and the terminal device 2 for viewing by the customer.
另外，請參照圖3與圖4所示，其分別為本發明不同實施例之在金融機構行銷的處理方法的步驟流程圖。 In addition, please refer to FIG. 3 and FIG. 4, which are flowcharts respectively showing steps of a method for processing financial institution marketing according to different embodiments of the present invention.
如圖3所示，在上述針對將臨櫃的客戶找出適合的商品廣告資訊步驟S01之前，可先進行另一步驟S03：在金融機構內透過預約叫號裝置11取得客戶的臨櫃事項資訊，其中商品廣告資訊係根據臨櫃事項資訊找出，且臨櫃事項可包含存放款、外幣買賣、貸款或投資等。於此，預約叫 號裝置11例如為一台具有觸控顯示功能的服務機台，該服務機台除了具有顯示與觸控功能之外，更可取得預約交易的號碼牌。因此，在預約叫號裝置11中，可由客戶操作預約時，由客戶選擇的類別來得知該名客戶臨櫃要辦理的事項，進而使電子設備13可提供適合該名客戶的商品廣告資訊。例如，臨櫃事項資訊若為存放款(活儲、定期)或匯款業務時，商品廣告資訊可為低風險的商品，例如定期存款或債券基金等；若臨櫃事項資訊為外幣換匯業務，則商品廣告資訊可為外幣買賣利率、外款定期存款或優惠利率等資訊；若臨櫃事項資訊為貸款業務時，則商品廣告資訊可為信貸資訊或優惠利率資訊等；若臨櫃事項資訊為投資或保險業務時，則商品廣告資訊可為基金投資或投資型保險等資訊。上述的說明只是舉例，不可用以限制本發明。 As shown in FIG. 3, before the step S01 for identifying the suitable product advertisement information for the customer who is going to the cabinet, another step S03 may be performed: obtaining the information about the customer's cabinet through the reservation numbering device 11 in the financial institution. The merchandise advertising information is found based on the information on the counter, and the counter items may include deposits, foreign currency transactions, loans or investments. Here, the appointment is called The number device 11 is, for example, a service machine having a touch display function, and the service machine can obtain a number plate for making a reservation transaction in addition to the display and touch functions. Therefore, in the reservation call number device 11, when the reservation is made by the customer, the item selected by the customer is known by the category selected by the customer, and the electronic device 13 can provide the product advertisement information suitable for the customer. For example, if the information on the counter is the deposit (live storage, regular) or remittance business, the merchandise advertisement information may be a low-risk commodity, such as a time deposit or a bond fund; if the information on the counter is foreign currency exchange business, The information on the advertisements may be information on foreign currency trading rates, time deposits or preferential interest rates; if the information on the counter is a loan business, the information on the advertisements may be credit information or preferential interest rate information; In the case of investment or insurance business, the product advertisement information may be information such as fund investment or investment insurance. The above description is only an example and should not be used to limit the invention.
當由預約叫號裝置11取得客戶的臨櫃事項資訊之後，電子設備13可取得客戶要臨櫃辦理的事項資訊並以軟體及/或韌體進行分析，以得到適合該名客戶之商品廣告資訊，而於步驟S02中提供給客戶。在這種情況下，商品廣告資訊係根據臨櫃事項資訊中找出，而臨櫃事項可例如但不限於包含該金融機構的存放款業務、外幣買賣業務、貸款或投資業務(包含基金、股票、債券或洐生性金融商品)，或其他金融商品業務(如保險)。另外，適合該名客戶的商品廣告資訊可於客戶臨櫃時或等候時播放於顯示器12，以提供給該名客戶參考，較佳者是客戶臨櫃時播放於顯示器12給客戶觀看。更重要的是，此時更可透過銀行行員於客戶臨櫃時由上述適合該客戶的商品廣告資訊中，推銷適合客戶金融商品，使客戶可產生興趣，進而購買商品廣告資訊中的金融商品。 After obtaining the information about the customer's affairs by the reservation numbering device 11, the electronic device 13 can obtain the information of the transaction that the customer wants to handle, and analyze the software and/or the firmware to obtain the product advertisement information suitable for the customer. And provided to the customer in step S02. In this case, the merchandising information is found in the information on the counter, and the counter matters may be, for example but not limited to, the deposit business including the financial institution, the foreign currency trading business, the loan or the investment business (including funds, stocks). , bonds or financial goods), or other financial goods business (such as insurance). In addition, the product advertisement information suitable for the customer can be played on the display 12 when the customer is at the counter or waiting to be provided to the customer for reference. Preferably, the customer plays the display on the display 12 for the customer to watch. More importantly, at this time, it is more convenient for the bank's salesperson to sell the financial products suitable for the customer through the above-mentioned product advertisement information suitable for the customer, so that the customer can generate interest and purchase the financial products in the product advertisement information.
上述的商品廣告資訊可包含例如該金融機構的商品廣告、衍生性金融商品廣告、形象廣告、國內外金融資訊、生活資訊或新聞，或其組合。其中，商品廣告例如可為銀行的存放款利率、外幣買賣匯率、貸款資訊、***資訊、基金買賣資訊或保險資訊。形象廣告例如可為該金融機構本身、配合的保險公司、信託基金公司或***廠商的形象廣告，於此，並不限制商品廣告資訊的內容。 The above-mentioned product advertisement information may include, for example, a commodity advertisement of the financial institution, a derivative financial product advertisement, an image advertisement, domestic and foreign financial information, life information or news, or a combination thereof. Among them, the commodity advertisement can be, for example, a bank deposit rate, a foreign currency exchange rate, loan information, credit card information, fund trading information or insurance information. The image advertisement may be, for example, an image advertisement of the financial institution itself, a matching insurance company, a trust fund company or a credit card manufacturer, and the content of the product advertisement information is not limited thereto.
另外，如圖4所示，在上述針對將臨櫃的客戶找出適合的商 品廣告資訊步驟S01之前，可先進行另一步驟S04：在金融機構內透過預約叫號裝置11取得客戶的身分，其中商品廣告資訊係根據客戶的身分從客戶資料庫中找出。當由預約叫號裝置11取得客戶的身分之後，電子設備13可根據客戶的身分從客戶資料庫中找出適合該名客戶的商品廣告資訊，之後才在客戶臨櫃時或客戶等候時提供適合該名客戶之商品廣告資訊給客戶。其中，客戶資料庫可位於電子設備13的記憶體中，或位於另一設備(例如伺服器或電腦)內。另外，上述利用預約叫號裝置11取得客戶身分可例如包括以下三種方式：第一、客戶自行輸入，例如但不限於輸入身分證字號、活儲帳號、金融卡號碼、***號碼；第二、客戶***或感應一金融卡或一***，或其他可辨識其身分的證件；第三、利用影像擷取單元14(如圖1的攝影機)擷取客戶的臉部影像，以辨識出其身分，本案並不限制。 In addition, as shown in Figure 4, in the above-mentioned business for the customer who will find the cabinet, Before the advertisement information step S01, another step S04 may be performed: obtaining the identity of the customer through the reservation call device 11 in the financial institution, wherein the product advertisement information is found from the customer database according to the identity of the customer. After obtaining the identity of the customer by the reservation numbering device 11, the electronic device 13 can find the product advertisement information suitable for the customer from the customer database according to the identity of the customer, and then provide the suitable product when the customer comes to the cabinet or when the customer waits. The customer's product advertising information to the customer. The customer database may be located in the memory of the electronic device 13 or in another device (such as a server or a computer). In addition, the obtaining the customer identity by using the reservation calling device 11 may include the following three methods: first, the customer inputs the self, such as but not limited to the input identity card number, the live storage account number, the financial card number, the credit card number; Inserting or sensing a financial card or a credit card, or other documents that can identify the identity; third, using the image capturing unit 14 (such as the camera of FIG. 1) to capture the facial image of the customer to identify the identity, the case Not limited.
假如客戶是第一次進來該金融機構，客戶資料庫中並沒有該名客戶的身分資料與往來記錄時，則可將該名客戶的身分資料新增在客戶資料庫中，以於客戶資料庫中建立該新客戶的身分資料檔案(可於自動建立，或於臨櫃之後，由櫃台行員或其他人員建立、輸入、修改或增加交易資訊)。若客戶資料庫中已有該名客戶的身分資料，則可根據客戶的身分從客戶資料庫中找出客戶於金融機構的金融商品需求傾向。由於金融機構內的客戶資料庫內已包含有與該金融機構業務往的多位客戶的身分資料，以及這些客戶與金融機構過去的往來記錄。因此，就可找出該名客戶的身分及該名客戶與金融機構過去的往來記錄，並由軟體中分析出，該名客戶於金融機構的金融商品需求傾向，亦即由過往記錄中找出該名客戶常進行的交易內容為何，進而分析出其金融商品需求的傾向與偏好，以找出適合的商品廣告資訊，再於客戶臨櫃時或客戶等候時提供商品廣告資訊給該客戶。 If the customer enters the financial institution for the first time and does not have the customer's identity data and current records in the customer database, the customer's identity information can be added to the customer database for the customer database. Establish the identity data file of the new customer (can be established automatically, or after the counter, the counter staff or other personnel to establish, input, modify or increase transaction information). If the identity data of the customer is already in the customer database, the customer's financial product demand tendency in the financial institution can be found from the customer database according to the customer's identity. Since the customer database in the financial institution already contains the identity information of many customers who have business with the financial institution, and the past transactions of these customers and financial institutions. Therefore, it is possible to find out the identity of the customer and the past transactions of the customer and the financial institution, and analyze the software, the customer's financial product demand tendency in the financial institution, that is, find out from the past records. What is the content of the transaction that the customer often conducts, and then analyzes the propensity and preference of the financial product demand to find the appropriate product advertisement information, and then provide the product advertisement information to the customer when the customer comes to the cabinet or when the customer waits.
舉例來說，假設該名客戶過去的往來記錄偏向於利用定存產生利息，是比較保守型的客戶，則其金融商品需求偏向於保守，銀行行員則可推薦保守型的商品給該客戶，例如保本型基金、外幣定存、債券基金。或者，該名客戶過去的往來記錄偏向於投資高風險的商品，是積極投資型客戶，則其金融商品需求較偏向於積極，銀行行員也可推薦積極投資的商 品，例如股票基金、開發中國家基金、投資型保單或衍生性金融商品。或者，由該名客戶過去的往來記錄發現，其過去的金融商品需求中並沒有申請過***或買過基金，則可推薦***或基金商品給該名客戶。上述只是舉例說明，並不可用以限制本發明。此外，金融商品需求的分析與適合客戶的商品廣告資訊可因金融機構的不同而有所不同，不同的時間點亦可能有不同的商品需求分析結果與不同商品廣告資訊，本發明皆不特別限制。 For example, suppose that the customer's past transaction records tend to use interest to generate interest, which is a conservative customer, and its financial commodity demand tends to be conservative, and bank members can recommend conservative products to the customer, for example Capital preservation fund, foreign currency deposit, bond fund. Or, the customer's past records are biased towards investing in high-risk commodities, and are active investment customers. The demand for financial products is more positive, and bankers can also recommend active investment. Products, such as equity funds, developing country funds, investment policies or derivative financial products. Alternatively, the customer's past travel records found that he had not applied for a credit card or bought a fund in his past financial commodity demand, he could recommend a credit card or fund commodity to the customer. The foregoing is illustrative only and is not intended to limit the invention. In addition, the analysis of the demand for financial products and the advertisement information of the products suitable for the customers may vary according to the financial institutions. Different time points may also have different product demand analysis results and different product advertisement information, and the present invention is not particularly limited. .
若得到客戶的身分的話，一般來說也可知道客戶的行動裝置的號碼，因此，商品廣告資訊也可於客戶臨櫃時或等候時以推播、簡訊或通話方式提供至客戶行動裝置。較佳者，例如是於客戶等候叫號之前，透過客戶行動裝置(即終端裝置2，可為手機或平板腦電腦)，以推播、簡訊或通話方式提供給客戶，讓客戶於等待期間就可了解根據其身分所提供且適合他的商品廣告資訊，使客戶產生興趣，進而在臨櫃時除了辦理原先要辦理的金融業務之外，更可購買商品廣告資訊的商品。 If the identity of the customer is obtained, the number of the mobile device of the customer is generally known. Therefore, the product advertisement information can also be provided to the client mobile device by push, message or call when the customer comes to the cabinet or waits. Preferably, for example, before the customer waits for the call number, the client mobile device (ie, the terminal device 2 can be a mobile phone or a tablet brain computer) is provided to the client by means of push, message or call, so that the client can wait during the waiting period. You can understand the merchandise advertising information provided by him and suit him, so that the customer can generate interest, and then in addition to the original financial business, he can also purchase merchandise advertising information.
承上，由上述的說明中可得知，本實施例的在金融機構行銷的處理方法，可針對將臨櫃的客戶找出適合的商品廣告資訊後，再於客戶臨櫃時或客戶等候時提供適合的商品廣告資訊給該客戶，藉此達到精準行銷的目的。 As can be seen from the above description, the processing method of the financial institution in the present embodiment can be used to find suitable product advertisement information for the customer who is facing the cabinet, and then when the customer comes to the cabinet or when the customer waits. Provide suitable product advertising information to the customer to achieve accurate marketing purposes.
值得一提的是，上述的步驟S03與步驟S04是獨立的步驟，當然，步驟S03與步驟S04也可整合成一單一步驟，亦即透過預約叫號裝置11同時取得客戶的臨櫃事項資訊與客戶的身分，本發明並不限制。此外，上述實施例中提到的影像擷取單元14(攝影機)、顯示器12與預約叫號裝置11是以分開配置為例，不過，在一些實施例中，影像擷取單元14(攝影機)與顯示器12也可以全部整合在預約叫號裝置11(抽號碼機)內，或者，在又一些實施例中，也可將影像擷取單元14(攝影機)整合在預約叫號裝置11內，但顯示器12仍獨立配置於櫃台前，本發明均不限制。 It is worth mentioning that the above steps S03 and S04 are independent steps. Of course, step S03 and step S04 can also be integrated into a single step, that is, through the reservation call device 11 to simultaneously obtain the customer's information and customers. The identity of the invention is not limited. In addition, the image capturing unit 14 (camera), the display 12 and the reservation calling device 11 mentioned in the above embodiments are exemplified as separate configurations. However, in some embodiments, the image capturing unit 14 (camera) and The display 12 may also be integrated in the reservation numbering device 11 (the numbering machine), or in some embodiments, the image capturing unit 14 (camera) may be integrated in the reservation numbering device 11, but the display 12 is still independently disposed in front of the counter, and the present invention is not limited.
請參照圖5所示，其為本發明一實施例之在金融機構行銷的處理系統3的功能方塊示意圖。 Please refer to FIG. 5, which is a functional block diagram of a processing system 3 for marketing in a financial institution according to an embodiment of the present invention.
如圖5所示，金融機構行銷的處理系統3可設置於金融機構內，並包括一伺服器31與一終端裝置32。另外，本實施例的處理系統3更 包括一預約叫號裝置33。 As shown in FIG. 5, the financial institution marketing processing system 3 can be disposed in the financial institution and includes a server 31 and a terminal device 32. In addition, the processing system 3 of the embodiment is more A reservation call number device 33 is included.
伺服器31設置於金融機構內並耦接預約叫號裝置33，例如但不限於金融機構的營業大廳或櫃台內，或金融機構的其他位置。其中，伺服器31可針對將臨櫃的客戶找出適合該客戶的商品廣告資訊，而終端裝置32耦接伺服器31，伺服器31可透過終端裝置32於客戶臨櫃時或客戶等候時提供商品廣告資訊給客戶。於此，金融商品例如可儲存在伺服器31的記憶體中，或另外設置的電腦或伺服器中，或雲端裝置中，並不限制。 The server 31 is disposed in the financial institution and coupled to the reservation calling device 33, such as but not limited to, in a business hall or counter of a financial institution, or other location of a financial institution. The server 31 can find the product advertisement information suitable for the customer for the customer, and the terminal device 32 is coupled to the server 31. The server 31 can be provided through the terminal device 32 when the customer is at the counter or when the customer waits. Product advertising information to customers. Here, the financial product can be stored, for example, in the memory of the server 31, or in a separately provided computer or server, or in a cloud device, and is not limited.
本實施例的伺服器31可包括一處理器311與一記憶體312，兩者係耦接。處理器311與記憶體312可設置於伺服器31之殼體內。本實施例是以一個處理器311與一個記憶體312為例，在不同的實施例中，伺服器31也可具有多個處理器311及或多個記憶體312。其中，處理器311可包含伺服器31之核心控制組件，例如可為一微處理器(microprocessor)。 The server 31 of the embodiment may include a processor 311 and a memory 312 coupled to each other. The processor 311 and the memory 312 can be disposed in the housing of the server 31. In this embodiment, a processor 311 and a memory 312 are taken as an example. In different embodiments, the server 31 may also have multiple processors 311 and multiple memory 312. The processor 311 can include a core control component of the server 31, and can be, for example, a microprocessor.
另外，處理器311可透過例如匯流排與記憶體312耦接，以存取記憶體312所儲存的程式指令或應用軟體。記憶體312可為一非暫態電腦可讀取記錄媒體(non-transitory computer readable storage medium)，例如可包含至少一記憶體、一記憶卡、一光碟片、一錄影帶、一電腦磁帶，或其任意組合。上述的記憶體可包含唯讀記憶體(ROM)、快閃(Flash)記憶體、或可程式化邏輯閘陣列(Field-Programmable Gate Array,FPGA)，或其他形式的記憶單元，或其組合。於此，記憶體312是以伺服器31的內部記憶體為例。不過，在不同的實施例中，記憶體312亦可為一雲端記憶體而位於雲端裝置中，故應用軟體或程式指令也可儲存於雲端裝置，再由雲端裝置載入伺服器31即可執行。此外，記憶體312除了儲存有客戶資料庫之外，更可包含有伺服器31的作業系統及應用於金融機構內之業務用的應用軟體，以及金融商品的商品廣告資訊(例如但不限於商品廣告、形象廣告)，或是其他的資訊(例如金融政策、金融新聞、生活資訊等等)。 In addition, the processor 311 can be coupled to the memory 312 through, for example, a bus bar to access program instructions or application software stored in the memory 312. The memory 312 can be a non-transitory computer readable storage medium, for example, can include at least one memory, a memory card, a CD, a video tape, a computer tape, or Any combination thereof. The above memory may include a read only memory (ROM), a flash memory, or a Field-Programmable Gate Array (FPGA), or other forms of memory cells, or a combination thereof. Here, the memory 312 is exemplified by the internal memory of the server 31. However, in different embodiments, the memory 312 can also be a cloud memory and located in the cloud device, so the application software or program instructions can also be stored in the cloud device, and then the cloud device can be loaded into the server 31 to execute. . In addition, the memory 312 may include, in addition to the customer database, an operating system of the server 31, an application software for business applications in the financial institution, and product advertisement information of financial products (such as but not limited to products. Advertising, image advertising), or other information (such as financial policy, financial news, life information, etc.).
在一些實施例中，處理系統3更可包括一影像擷取單元(圖未示)，影像擷取單元可具有上述影像擷取單元14的所有功能與特徵。其中，影像擷取單元可擷取客戶的臉部影像，進而得到客戶的身分，且商品廣告資訊係根據客戶的身分從客戶資料庫中找出。 In some embodiments, the processing system 3 can further include an image capturing unit (not shown), and the image capturing unit can have all the functions and features of the image capturing unit 14 described above. The image capturing unit can capture the facial image of the customer, thereby obtaining the identity of the customer, and the product advertising information is found out from the customer database according to the identity of the customer.
在一些實施例中，終端裝置32可為一顯示器(如圖1之顯示器12)，且處理器311可與終端裝置32耦接，以控制終端裝置32顯示商品資訊，例如可於客戶臨櫃時或客戶等候時提供商品廣告資訊給客戶。另外，在一些實施例中，終端裝置32更可包括一觸控面板(圖未示)，觸控面板可與顯示器整合在一起而成為一觸控顯示器，以供客戶進行觸控而操作顯示器所顯示內容。在這種情況下，顯示器除了具有可顯示影像的功能外，更可具有觸控功能，以利觸控操作，使客戶可點選觀看自己有興趣的資訊內容，或進行對應輸入動作。於此，終端裝置32可顯示例如今日運勢、農民曆、服務據點、平面廣告(包含行內資訊)、影片廣告、今日新聞、或生活資訊(例如有關美食、景點、住宿、活動)；或者，使用者亦可點選終端裝置32而顯示一些互動遊戲及其排名，互動遊戲可包含例如財神寶寶接金幣、財神寶寶拉霸、拼圖、拍照、Bar仔台等，或顯示一些有趣或實用的網站(例如臉書)或網站的QR code等。 In some embodiments, the terminal device 32 can be a display (such as the display 12 of FIG. 1), and the processor 311 can be coupled to the terminal device 32 to control the terminal device 32 to display product information, for example, when the customer is in the cabinet. Or provide customer advertising information to customers when they wait. In addition, in some embodiments, the terminal device 32 further includes a touch panel (not shown), and the touch panel can be integrated with the display to form a touch display for the user to touch and operate the display. Display content. In this case, in addition to the function of displaying images, the display can also have a touch function to facilitate the touch operation, so that the customer can click to view the information content that is of interest to them, or perform corresponding input actions. Here, the terminal device 32 can display, for example, today's fortune, farmer calendar, service location, print advertisement (including in-row information), movie advertisement, today's news, or life information (such as related food, attractions, accommodation, activities); or, The user can also click on the terminal device 32 to display some interactive games and their rankings. The interactive games may include, for example, the God of Wealth Gold Coin, the God of Wealth, the puzzle, the photo, the Bar, etc., or display some interesting or practical websites. (such as Facebook) or the QR code of the website.
在一些實施例中，影像擷取單元及終端裝置32(顯示器)與預約叫號裝置33可整合成同一部機器；或者，在另一些實施例中，影像擷取單元與預約叫號裝置33可整合成同一部機器，但終端裝置32可獨立配置；又或者，影像擷取單元與終端裝置32可整合成同一部機器，但預約叫號裝置33可獨立配置，本發明並不限制。 In some embodiments, the image capture unit and the terminal device 32 (display) and the reservation call device 33 may be integrated into the same machine; or, in other embodiments, the image capture unit and the reservation call device 33 may be The same device is integrated, but the terminal device 32 can be independently configured. Alternatively, the image capturing unit and the terminal device 32 can be integrated into the same machine, but the reserved calling device 33 can be independently configured, and the present invention is not limited thereto.
另外，在另一些實施例中，終端裝置32可為客戶的行動通訊裝置(如圖1之終端裝置2)，且商品廣告資訊可以推播、簡訊或通話方式透過客戶的終端裝置2(行動通訊裝置)提供給客戶。 In addition, in other embodiments, the terminal device 32 can be a mobile communication device of the client (such as the terminal device 2 in FIG. 1), and the product advertisement information can be pushed, sent, or talked through the client's terminal device 2 (mobile communication) The device) is provided to the customer.
此外，預約叫號裝置11可取得客戶的臨櫃事項資訊，其中，上述的商品廣告資訊係根據臨櫃事項資訊中找出，且臨櫃事項可包含例如存放款、外幣買賣、貸款或投資資訊。或者，預約叫號裝置11也可取得客戶的身分，且商品廣告資訊可根據客戶的身分從客戶資料庫中找出。其中，伺服器31是根據客戶的身分從客戶資料庫中找出客戶於金融機構的一金融商品需求傾向後，伺服器31更可根據金融商品需求傾向從客戶資料庫中找出商品廣告資訊，於客戶臨櫃時或客戶等候時提供商品廣告資訊給客戶。 In addition, the reservation numbering device 11 can obtain the customer's information on the cabinet, wherein the above-mentioned product advertisement information is found according to the information of the cabinet, and the cabinet item can include, for example, deposit, foreign currency purchase, loan or investment information. . Alternatively, the reservation numbering device 11 can also obtain the identity of the customer, and the product advertisement information can be found from the customer database according to the identity of the customer. The server 31 searches for a financial product demand tendency of the financial institution from the customer database according to the customer's identity, and the server 31 can further find the product advertisement information from the customer database according to the demand of the financial product. Provide merchandising information to customers when they are at the counter or when they are waiting.
因此，當伺服器31的處理器311載入儲存於記憶體312之 應用軟體或程式指令並執行後，處理器311可執行該應用軟體或該程式指令以進行上述圖2、圖3或圖4的步驟，其詳細內容已於上述中詳述，在此不再多作說明。 Therefore, when the processor 311 of the server 31 is loaded and stored in the memory 312 After the software or program instructions are executed and executed, the processor 311 can execute the application software or the program instructions to perform the steps of FIG. 2, FIG. 3 or FIG. 4 above, the details of which are detailed in the above, and no more Give instructions.
藉由本實施例的處理系統3，可使客戶臨櫃前的等候時間或臨櫃時提供適合該名客戶的商品廣告資訊，以提供該名客戶更多、更適切的服務與廣告，進而可增加該名客戶對該金融機構的認可與忠誠度，進而增加該金融機構的商品銷售額。 With the processing system 3 of the present embodiment, the customer can provide the advertisement information suitable for the customer when the waiting time or the counter is before the counter to provide more and more suitable services and advertisements for the customer, thereby increasing The customer’s recognition and loyalty to the financial institution, which in turn increases the sales of the financial institution’s goods.
綜上所述，在本發明之在金融機構行銷的處理方法與處理系統中，可針對將臨櫃的客戶找出適合的商品廣告資訊後，再於客戶臨櫃時或客戶等候時提供適合的商品廣告資訊給該客戶。藉此，相較於傳統的金融機構無法得知客戶身分或要辦理哪一種業務，且無法提供適合的商品廣告資訊給客戶而言，本發明可於客戶臨櫃時或客戶等候時提供適合的商品廣告資訊給該客戶，因此可達到精準行銷的目的。 In summary, in the processing method and processing system of the financial institution marketing of the present invention, it is possible to find suitable commercial advertisement information for the customer who is going to the cabinet, and then provide suitable information when the customer comes to the cabinet or when the customer waits. Product advertising information to this customer. In this way, the present invention can provide a suitable product when the customer comes to the counter or when the customer waits, compared to the traditional financial institution that cannot know the customer identity or which business to be processed, and cannot provide suitable merchandising information to the customer. Product advertising information is given to this customer, so the purpose of accurate marketing can be achieved.
以上所述僅為舉例性，而非為限制性者。任何未脫離本發明之精神與範疇，而對其進行之等效修改或變更，均應包含於後附之申請專利範圍中。 The above is intended to be illustrative only and not limiting. Any equivalent modifications or alterations to the spirit and scope of the invention are intended to be included in the scope of the appended claims.
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| US20110213665A1 (en) * | 2010-02-26 | 2011-09-01 | Bank Of America Corporation | Bank Based Advertising System |
| TWM502914U (en) * | 2014-12-30 | 2015-06-11 | Intersys Taiwan Ltd | Banking service system |
| TWM502922U (en) * | 2014-12-18 | 2015-06-11 | Weber Ind Co Ltd | Mobile call number system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| US20110213665A1 (en) * | 2010-02-26 | 2011-09-01 | Bank Of America Corporation | Bank Based Advertising System |
| TWM502922U (en) * | 2014-12-18 | 2015-06-11 | Weber Ind Co Ltd | Mobile call number system |
| TWM502914U (en) * | 2014-12-30 | 2015-06-11 | Intersys Taiwan Ltd | Banking service system |
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