Consumer finance O2O promotion system, method and device

By combining a multi-tenant architecture with a mobile SDK, the problems of data loss and high maintenance costs in traditional consumer finance O2O promotion systems under weak network conditions are solved. This enables flexible configuration of differentiated promotion strategies and precise customer acquisition, improving conversion efficiency and data security.

CN122293394APending Publication Date: 2026-06-26HEBEI HAPPY CONSUMPTION FINANCE CO LTD
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
HEBEI HAPPY CONSUMPTION FINANCE CO LTD
Filing Date
2026-03-31
Publication Date
2026-06-26

AI Technical Summary

Technical Problem

Traditional consumer finance O2O promotion systems are prone to data loss and credit request failures in weak network environments. They lack the ability to capture users' hidden behaviors and collect offline scenario data in conjunction with their own. Promotion strategies lack full-link data support, and promotion rules are highly coupled with risk control logic, making it difficult to quickly configure differentiated strategies and resulting in high operation and maintenance costs.

Method used

By combining a multi-tenant architecture with a mobile SDK, we can achieve isolation and unified scheduling of promotion rules for different scenarios. We can ensure business continuity by using offline caching and secure transmission mechanisms. We can achieve accurate customer acquisition and forward risk control by linking online and offline data through a behavior collection engine. We can also decouple promotion rules and risk control logic to achieve flexible configuration.

Benefits of technology

It improved the conversion efficiency of offline promotion of consumer finance, reduced operation and maintenance costs, enhanced data compliance and anti-fraud capabilities, and achieved business continuity and data security in weak network environments.

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Abstract

This invention provides a consumer finance O2O promotion system, method, and apparatus. The system includes a mobile front-end module, a server-side module, and a data layer module. The mobile front-end module is equipped with an SDK containing a behavior acquisition engine, an encrypted cache manager, and a secure transmitter. The server-side module adopts a multi-tenant architecture, assigning independent tenant identifiers and risk levels to terminals in different offline scenarios. The data layer module is responsible for the encrypted storage of promotion rules, risk control thresholds, and end-to-end data corresponding to each tenant. The server-side module acquires terminal data through a communication submodule, uses a rule engine to match differentiated promotion rules based on tenant identifiers and risk levels, and uses a risk control linkage engine to perform pre-risk control prediction based on offline scenario behavior data, dynamically adjusting risk control thresholds and promotion strategies to achieve secure financial product promotion.
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