A method and system for adjusting the issuance quota of promotional products based on customer data

Abstract

The present invention relates to a method and system for adjusting the issuance quota of promotional products based on customer data. The method dynamically adjusts the product issuance quota by combining the reservation amount of customers who have passed the real-time capital verification and the real-time information of designated marketing customers, and directly pushes the locked quota to the designated marketing customers, so that the designated marketing customers can ensure that they can smoothly purchase the desired promotional products and give full play to the marketing effect of the promotional products.

Description

Technical Field

[0001] The present invention relates to the field of financial information technology, and in particular to a method and system for adjusting the issuance amount of promotional products based on customer data. Background Art

[0002] In order to expand customer needs, the financial and banking sectors need to promote and issue promotional products with a total limit, such as high-yield financial products. Such products have great market appeal and often prompt a large number of consumers to rush to buy, thereby attracting a lot of popularity. However, during the product issuance process, due to the lack of an effective adjustment mechanism for the issuance quota of promotional products, it is purely dependent on customers to rush to buy on their own. It is often difficult for customers to rush to buy the required quota, and some customers who have passed the capital verification and purchased the quota give up the purchase due to insufficient funds due to subsequent changes, resulting in a waste of quota. In particular, customers recommended by account managers based on marketing needs may be dissatisfied due to the failure to rush to buy the product, which will then cause customer loss, so that the product issuance quota cannot play the role of customer expansion as it should. Summary of the invention

[0003] In order to address the deficiencies of the prior art, the present invention proposes a method and system for adjusting the issuance quota of promotional products based on customer data. The method dynamically adjusts the product issuance quota by combining the reservation amount of customers who have passed the real-time capital verification and the real-time information of designated marketing customers, and pushes the locked quota directly to the designated marketing customers, so that the designated marketing customers can ensure that they can smoothly purchase the desired promotional products, thereby giving full play to the marketing effect of the promotional products.

[0004] To achieve the above objectives, the technical solutions adopted by the present invention include:

[0005] A method for adjusting the issuance quota of a promotional product based on customer data, characterized by comprising:

[0006] Adjust the issuance quota of promotional products based on the reservation amount of customers who have passed the capital verification and the allocation amount of designated customers;

[0007] Adjust the proportion of the locked-in quota in the promotional product issuance quota based on the allocation amount for designated customers who have passed the capital verification.

[0008] Furthermore, the customer reservation amount includes the amount that online customers have reserved to purchase promotional products and / or the amount that offline customers have reserved to purchase promotional products.

[0009] Furthermore, the designated customer allocation amount includes the amount of the marketing target customer who has made an appointment to purchase the promotional product and is proactively submitted by the account manager and / or the amount of the marketing target customer who has made an appointment to purchase the promotional product and is generated based on the customer asset data analysis.

[0010] Furthermore, the adjustment of the issuance amount of promotional products includes:

[0011] Set the maximum limit for the issuance of promotional products;

[0012] When the sum of the reserved amount of customers who have passed the capital verification and the allocated amount of designated customers is less than or equal to the maximum limit, the issuance quota of promotional products shall be determined within the maximum limit based on the sum of the reserved amount of customers who have passed the capital verification and the allocated amount of designated customers;

[0013] When the sum of the reservation amount of customers who have passed the capital verification and the allocation amount of designated customers is greater than the maximum limit, the issuance amount of the promotional product will be set to the maximum limit, and a maximum limit adjustment request will be generated and sent to the department with approval authority for manual review.

[0014] Furthermore, the proportion of the locked amount in the issuance amount of the adjusted promotional product includes:

[0015] Set the maximum threshold for the proportion of locked amount;

[0016] The upper limit of the locked amount is calculated based on the maximum threshold and the issuance amount of promotional products;

[0017] When the total amount allocated to designated customers who have passed capital verification is less than or equal to the upper limit, the proportion of the locked amount in the promotional product issuance amount shall be determined within the upper limit based on the total amount allocated to designated customers who have passed capital verification;

[0018] When the total amount allocated to designated customers who have passed the capital verification is greater than the upper limit, the proportion of the locked amount in the promotional product issuance amount is set according to the maximum threshold.

[0019] Furthermore, the capital verification includes verifying whether the customer meets the requirements for purchasing the promotional product based on the customer's appointment to purchase the promotional product and the customer's asset data.

[0020] Furthermore, the capital verification includes generating batch verification requests according to the marketing target customer list and executing batch asset verification operations.

[0021] Furthermore, the method further comprises:

[0022] Generate batch quota locking orders for marketing target customers who have passed capital verification and push them to marketing target customers.

[0023] The present invention also relates to a promotional product issuance quota adjustment system based on customer data, which is characterized by comprising:

[0024] The capital verification module is used to verify the assets of online and offline customers who make appointments to purchase promotional products, as well as batch asset verification of marketing target customers;

[0025] A quota adjustment module is used to adjust the issuance quota of promotional products and the proportion of the locked quota in the issuance quota of promotional products;

[0026] The locked quota order module is used to generate locked quota orders and push them to marketing target customers.

[0027] The beneficial effects of the present invention are:

[0028] By adopting the method and system for adjusting the issuance quota of promotional products based on customer data described in the present invention, the issuance quota of promotional products and the proportion of the locked quota therein are adjusted by the customer reservation amount of the verified capital and the designated customer allocation amount, so that the quota adjustment can match user needs and promotion needs to the greatest extent, increase potential customers and retain lost customers, while avoiding problems such as quota waste. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] Figure 1 The figure is a flow chart of a method for adjusting the issuance amount of promotional products based on customer data according to the present invention. DETAILED DESCRIPTION

[0030] In order to more clearly understand the content of the present invention, it will be described in detail with reference to the drawings and embodiments.

[0031] like Figure 1 The figure is a flow chart of a method for adjusting the issuance quota of a promotional product based on customer data of the present invention, comprising:

[0032] Adjust the issuance quota of promotional products according to the customer reservation amount that has passed the capital verification and the designated customer allocation amount. The customer reservation amount includes the amount of online customers who have reserved the purchase of promotional products and / or the amount of offline customers who have reserved the purchase of promotional products; the designated customer allocation amount includes the amount of marketing target customers who have reserved the purchase of promotional products submitted by the account manager and / or the amount of marketing target customers who have reserved the purchase of promotional products generated based on the analysis of customer asset data; the capital verification includes verifying whether the customer meets the requirements for purchasing promotional products based on the customer reservation purchase information and customer asset data, and also includes generating batch verification requests based on the marketing target customer list and executing batch asset verification operations. Specifically, the adjustment of the issuance quota of the promotional product includes: setting a maximum limit value for the issuance quota of the promotional product; when the sum of the reservation amount of customers who have passed the capital verification and the allocation amount of designated customers is less than or equal to the maximum limit value, determining the issuance quota of the promotional product within the maximum limit value based on the sum of the reservation amount of customers who have passed the capital verification and the allocation amount of designated customers; when the sum of the reservation amount of customers who have passed the capital verification and the allocation amount of designated customers is greater than the maximum limit value, setting the issuance quota of the promotional product to the maximum limit value, and generating a maximum limit value adjustment request and sending it to the department with approval authority for manual review.

[0033] The proportion of the locked amount in the issuance quota of the promotional product is adjusted according to the allocation amount of the designated customers who have passed the capital verification. Specifically, the adjustment of the proportion of the locked amount in the issuance quota of the promotional product includes: setting a maximum threshold for the proportion of the locked amount; calculating the upper limit value that can be used as the locked amount according to the maximum threshold and the issuance quota of the promotional product; when the sum of the allocation amounts of the designated customers who have passed the capital verification is less than or equal to the upper limit value, determining the proportion of the locked amount in the issuance quota of the promotional product according to the sum of the allocation amounts of the designated customers who have passed the capital verification within the upper limit value range; when the sum of the allocation amounts of the designated customers who have passed the capital verification is greater than the upper limit value, setting the proportion of the locked amount in the issuance quota of the promotional product according to the maximum threshold.

[0034] Generate batch quota locking orders for marketing target customers who have passed capital verification and push them to marketing target customers.

[0035] When the above method is actually applied, for example, when a customer purchases a promotional product on a mobile banking terminal, the following steps can be performed:

[0036] Real-time capital verification: After the customer fills in the reservation amount and other information of the popular product through the mobile banking terminal, it is submitted to the product reservation module of the present invention. The module uses a relational database to store the customer reservation information, uses Flink to read the database reservation information and capital verification conditions, and calculates whether the capital verification is passed in real time based on the customer's managed assets (AUM), and returns the capital verification result to the mobile banking client.

[0037] Monitor reservation amounts, purchase amounts, and adjust financial management limits appropriately: Based on the reservation data and purchase data stored in the product reservation module, monitor the remaining balance of the product in real time, and proactively push remaining balance reminders to the approval administrator every half an hour. The approval administrator can adjust the product balance appropriately as needed.

[0038] Product list system and batch scheduled task capital verification: Account managers can upload the customer groups that have been actively marketed in the product list system module, which supports importing in Excel format. After the account manager imports data such as customer number and amount to be purchased into the system, he uses the relational database stored procedure to execute scheduled task batches. Based on the capital verification conditions and data such as customer management assets, it calculates whether the list-based customers are eligible to purchase. If the capital verification passes, a customer document list will be generated.

[0039] Generate batch locked quota orders: Loop through the customer file list generated in step 3, and verify the customer's qualifications before purchasing financial management, including but not limited to whether the customer has signed a financial management contract. If the verification passes, the batch order module automatically generates an order message and pushes it to the customer's mobile banking client, enabling the customer to purchase with one click. At the same time, each customer order has a locked quota, and the financial management quota control system is notified through an interface call. If the customer fails to purchase within the specified time, the quota will be released.

[0040] The present invention also relates to a promotional product issuance quota adjustment system based on customer data, which mainly includes: a capital verification module, which is used to verify the assets of online and offline customers who have made appointments to purchase promotional products, and to verify the assets of marketing target customers in batches; a quota adjustment module, which is used to adjust the promotional product issuance quota and the proportion of the locked quota in the promotional product issuance quota; and a locked quota order module, which is used to generate a locked quota order and push it to the marketing target customers.

[0041] Corresponding to the specific application scenario of customers purchasing promotional products on the mobile banking terminal as described above, the system can be further preferably configured as the following specific modules:

[0042] In the capital verification module: the customer reservation data storage submodule is mainly used to store the reservation data of mobile banking customers who make reservations for popular products; the real-time capital verification submodule verifies whether the customer meets the purchase conditions based on the reservation information and data such as customer management assets; the analysis and statistics submodule analyzes and counts the reservation amount and the current purchase amount.

[0043] In the quota adjustment module: the financial management quota adjustment submodule controls the quota of financial management products on sale; in the message submodule, administrators receive reminders of remaining quotas and reminders of quota locks for batch orders.

[0044] In the quota-locking order module: the quota push submodule pushes the remaining quota of the product to the quota control subsystem; the batch order generation submodule generates batch orders based on the generated capital verification list, traverses the files, locks the order quota, and notifies the quota control subsystem; the batch order push module pushes the batch orders to mobile banking and other purchasing channels.

[0045] The above is only a preferred specific embodiment of the present invention, but the protection scope of the present invention is not limited thereto. Any changes or substitutions that can be easily thought of by a person skilled in the art within the technical scope disclosed by the present invention should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention should be based on the protection scope of the claims.

Claims

1. A method for adjusting the issuance quota of promotional products based on customer data. It is characterized in that include: Adjust the issuance quota of promotional products based on the reservation amount of customers who have passed the capital verification and the allocation amount of designated customers; Adjust the proportion of the locked quota in the issuance quota of promotional products according to the allocation amount of designated customers who have passed the capital verification; The adjustment of the issuance quota of promotional products includes: Set the maximum limit for the issuance of promotional products; When the sum of the reserved amount of customers who have passed the capital verification and the allocated amount of designated customers is less than or equal to the maximum limit, the issuance quota of promotional products shall be determined within the maximum limit based on the sum of the reserved amount of customers who have passed the capital verification and the allocated amount of designated customers; When the sum of the reservation amount of customers who have passed the capital verification and the allocation amount of designated customers is greater than the maximum limit, the issuance amount of the promotional product will be set to the maximum limit, and a maximum limit adjustment request will be generated and sent to the department with approval authority for manual review; The proportion of the locked amount in the issuance amount of the adjusted promotional products includes: Set the maximum threshold for the proportion of locked amount; The upper limit of the locked amount is calculated based on the maximum threshold and the issuance amount of promotional products; When the total amount allocated to designated customers who have passed capital verification is less than or equal to the upper limit, the proportion of the locked amount in the promotional product issuance amount shall be determined within the upper limit based on the total amount allocated to designated customers who have passed capital verification; When the total amount allocated to designated customers who have passed the capital verification is greater than the upper limit, the proportion of the locked amount in the promotional product issuance amount is set according to the maximum threshold.

2. The method according to claim 1, It is characterized in that The customer reservation amount includes the amount of online customers' reservations for purchasing promotional products and / or the amount of offline customers' reservations for purchasing promotional products.

3. The method according to claim 1, It is characterized in that The designated customer allocation amount includes the amount of marketing target customers who have made appointments to purchase promotional products and / or the amount of marketing target customers who have made appointments to purchase promotional products and generated based on customer asset data analysis.

4. The method according to claim 2, It is characterized in that The capital verification includes verifying whether the customer meets the requirements for purchasing the promotional product based on the customer's appointment to purchase the promotional product and the customer's asset data.

5. The method according to claim 3, It is characterized in that The capital verification includes generating batch verification requests according to the marketing target customer list and performing batch asset verification operations.

6. The method according to claim 5, It is characterized in that The method further comprises: Generate batch quota locking orders for marketing target customers who have passed capital verification and push them to marketing target customers.

7. A promotional product issuance quota adjustment system based on customer data, used to execute any of the methods 1-6 above, It is characterized in that include: The capital verification module is used to verify the assets of online and offline customers who make appointments to purchase promotional products, as well as batch asset verification of marketing target customers; The quota adjustment module is used to adjust the promotion product issuance quota and the proportion of the locked quota in the promotion product issuance quota, wherein the adjustment of the promotion product issuance quota includes: Set the maximum limit for the issuance of promotional products; When the sum of the reserved amount of customers who have passed the capital verification and the allocated amount of designated customers is less than or equal to the maximum limit, the issuance quota of promotional products shall be determined within the maximum limit based on the sum of the reserved amount of customers who have passed the capital verification and the allocated amount of designated customers; When the sum of the reservation amount of customers who have passed the capital verification and the allocation amount of designated customers is greater than the maximum limit, the issuance amount of the promotional product will be set to the maximum limit, and a maximum limit adjustment request will be generated and sent to the department with approval authority for manual review; The proportion of the locked amount in the issuance amount of the adjusted promotional products includes: Set the maximum threshold for the proportion of locked amount; The upper limit of the locked amount is calculated based on the maximum threshold and the issuance amount of promotional products; When the total amount allocated to designated customers who have passed capital verification is less than or equal to the upper limit, the proportion of the locked amount in the promotional product issuance amount shall be determined within the upper limit based on the total amount allocated to designated customers who have passed capital verification; When the total amount allocated to designated customers who have passed the capital verification is greater than the upper limit, the proportion of the locked amount in the promotional product issuance amount is set according to the maximum threshold; The locked quota order module is used to generate locked quota orders and push them to marketing target customers.

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