Product management system and application method thereof
A management system and product technology, applied in the product management system and its application fields, can solve the problems of lack of customer base, lack of good product planning and innovation mechanism, analysis, etc., and achieve the effect of strong flexibility
Inactive Publication Date: 2010-11-03
苏州德融嘉信信用管理技术股份有限公司
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Problems solved by technology
Because the concept of banking business operation is relatively weak, ignoring the internal input and output accounting system, and ignoring marketing work for customers, there is no good product planning and innovation mechanism, and the lack of detailed analysis of customer groups. This leads to the simplification and simplification of bank service content. Under the traditional business thinking, the present invention often integrates the bank's service content from the perspective of transactions. The services provided by the bank are packaged into individual transaction functions, which is also reflected in the At present, in the construction of online banking, for example, the interface of online banking business functions is basically the same as the functional interface that users see in the counter system, which cannot reflect the characteristics of online services, so the service content of online banking is relatively simple and single can not meet the needs of current customers
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[0039] The best mode for carrying out the present invention will be described below with reference to the drawings.
[0040] In the present invention, banking services are divided into two categories: basic services and product services.
[0041] The various functions provided by banks to customers can eventually be abstracted into several types of standard services. These standard actions are called basic services. Basic services are separated from specific product business characteristics. In other words, a basic service can only be linked to the product , has concrete business significance. For example, withdrawal is a basic service, so, as to whether it is a regular savings withdrawal or a current savings withdrawal, it is determined by specifically linking the withdrawal to the regular savings or current savings product.
[0042] Product service refers to the functional action provided to customers under a specific product. The general basic service is tied to a product,...
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The invention provides a product management system established on the basis of an internet banking base platform. The product management system comprises a product database, a product basic information management module, a product policy management module, a product accounting management module, a basic service management module, a product service management module, a product marketing management module, a product contract management module, a functional product design and development platform and a workflow engine. Compared with the prior art, the invention has the advantages that a bank can organize marketing management expansion activity on internet banking services on the one hand, and an internet banking application system which is based on a platform and has strong flexibility and easy expansion on the basis of service abstract can be realized on the other hand.
Description
technical field [0001] The present invention relates to a product management system and its application method, in particular to a service product design model and product management system and its application method built on the basis of an online banking platform. Background technique [0002] Internet banking is a new method for banks to provide banking services to customers. It is based on existing banking services and uses Internet technology to provide customers with comprehensive, unified, safe and real-time financial services. With the development and popularization of the Internet, online banking, as a new type of customer service, has rapidly become the focus of international banking circles. [0003] Since 1999, my country's banking online business has developed significantly. After several years of exploration, the domestic online banking has also begun to take shape, and various banks have launched their own online banking products one after another. China Merc...
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IPC IPC(8): G06Q40/00G06Q40/02
Inventor 郑爱军
Owner 苏州德融嘉信信用管理技术股份有限公司