A multi-channel installment product configuration method, device and terminal equipment

Abstract

Embodiments of the present application relate to the technical field of Internet, and provide a multi-channel installment product configuration method, device and terminal equipment. The multi-channel installment product configuration method receives a configuration command input by a user through a configuration platform, selects a corresponding target installment channel and target installment product according to the configuration command, acquires corresponding configuration information from a preset database based on the target installment product and target installment channel, and sends the configuration information to the configuration platform for display. The present application can not only reduce development and test costs, but also reduce human and time costs.

Description

Technical Field

[0001] This invention relates to the field of Internet technology, and more specifically, to a method, apparatus, and terminal device for configuring installment products through multiple channels. Background Technology

[0002] With the rapid development of my country's economy, people are becoming increasingly reliant on the internet, and more and more businesses are being conducted online. As a result, it is very common for banks to conduct their business online.

[0003] When banks promote installment products, the organizational structure and commission calculation methods vary across different channels. Currently, the office tools provided to different channels for different installment products are developed and tested separately. This results in high manpower and time costs when a channel integrates a new installment product. Summary of the Invention

[0004] The purpose of this invention is to provide a multi-channel installment product configuration method, apparatus and terminal equipment that can reduce labor costs and time costs.

[0005] In a first aspect, the present invention provides a method for configuring installment products through multiple channels, the method comprising:

[0006] Receive configuration commands input by the user through the configuration platform;

[0007] Select the corresponding target installment channel and target installment product according to the configuration command;

[0008] Based on the target installment product and the target installment channel, the system retrieves the corresponding configuration information from a preset database and sends the configuration information to the configuration platform for display.

[0009] In an optional implementation, the configuration command includes a channel command and a product command, and the step of selecting the corresponding target installment channel and target installment product according to the configuration command includes:

[0010] The corresponding target phased channel is determined from the preset channel set according to the channel command;

[0011] The product command determines the corresponding target phased products in the preset product category set.

[0012] In an optional implementation, the configuration information includes product templates and configuration data, wherein the configuration data includes any combination of minimum amount, maximum amount, installment period, discount information, optimal tags, and remarks text.

[0013] In an optional implementation, obtaining the corresponding configuration information from a preset database based on the target installment product and the target installment channel includes:

[0014] Associate the target installment product with the target installment channel to obtain the corresponding configuration type;

[0015] The corresponding product template and configuration data in the preset database are determined based on the configuration type.

[0016] In an optional implementation, the method further includes:

[0017] Receive the first modification command input by the user;

[0018] If the first modification command carries the modified installment channel information, then the target installment channel is replaced with the installment channel corresponding to the modified installment channel information;

[0019] If the first modification command carries a modified installment product, then the target installment product is replaced with the installment product corresponding to the modified installment product information.

[0020] In an optional implementation, the method further includes:

[0021] Receive the second modification command input by the user;

[0022] The corresponding content in the configuration data of the configuration information is modified according to the second modification command to obtain the modified configuration data.

[0023] In an optional implementation, when the configuration data includes a maximum amount and the second modification command carries the modified maximum amount, the method further includes:

[0024] Determine whether the modified maximum amount is less than or equal to the preset maximum amount;

[0025] If so, then replace the highest amount in the configuration data with the modified highest amount;

[0026] If not, then replace the maximum amount with the preset maximum amount.

[0027] Secondly, the present invention provides a multi-channel installment product configuration device, the device comprising:

[0028] The receiving module is used to receive configuration commands input by the user through the configuration platform;

[0029] The selection module is used to select the corresponding target installment channel and target installment product according to the configuration command.

[0030] The configuration module is used to obtain the corresponding configuration information from a preset database based on the target installment product and the target installment channel, and send the configuration information to the configuration platform for display.

[0031] Thirdly, the present invention provides a terminal device, including a memory and a processor, wherein the memory stores a computer program, and the computer program executes the multi-channel installment product configuration method when it is run on the processor.

[0032] Fourthly, the present invention provides a readable storage medium storing a computer program that, when run on a processor, executes the multi-channel installment product configuration method.

[0033] The beneficial effects of the embodiments of the present invention are:

[0034] This application provides a method for configuring installment products across multiple channels. This method involves receiving a configuration command input by a user; selecting the corresponding target installment channel and target installment product based on the configuration command; retrieving relevant configuration information from a preset database based on the target installment product and target installment channel; and sending the configuration information to a terminal display interface for display. This application not only reduces development and testing costs but also reduces the investment of manpower and time costs.

[0035] To make the above-mentioned objectives, features and advantages of this application more apparent and understandable, preferred embodiments are described below in detail with reference to the accompanying drawings. Attached Figure Description

[0036] To more clearly illustrate the technical solution of the present invention, the accompanying drawings used in the embodiments will be briefly described below. It should be understood that the following drawings only show some embodiments of the present invention and should not be regarded as a limitation on the scope of protection of the present invention. In the various drawings, similar components are numbered similarly.

[0037] Figure 1 This illustration shows a first flowchart of a multi-channel installment product configuration method proposed in an embodiment of this application;

[0038] Figure 2 This illustration shows a flowchart of determining the target installment product and the target installment channel in a multi-channel installment product configuration method proposed in an embodiment of this application;

[0039] Figure 3 This illustration shows a flowchart of determining configuration information in a multi-channel installment product configuration method proposed in an embodiment of this application;

[0040] Figure 4This illustration shows a second flowchart of a multi-channel installment product configuration method proposed in an embodiment of this application;

[0041] Figure 5 This illustration shows a third process diagram of a multi-channel installment product configuration method proposed in an embodiment of this application;

[0042] Figure 6 This illustration shows a flowchart of determining the modified maximum amount in a multi-channel installment product configuration method proposed in an embodiment of this application;

[0043] Figure 7 This illustration shows a structural schematic diagram of a multi-channel installment product configuration device provided in an embodiment of this application.

[0044] Explanation of key component symbols:

[0045] 10-Multi-channel installment product configuration device; 11-Receiving module; 12-Selection module; 13-Configuration module. Detailed Implementation

[0046] The technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments.

[0047] The components of the embodiments of the invention described and illustrated herein can typically be arranged and designed in various different configurations. Therefore, the following detailed description of the embodiments of the invention provided in the accompanying drawings is not intended to limit the scope of the claimed invention, but merely to illustrate selected embodiments of the invention. All other embodiments obtained by those skilled in the art based on the embodiments of the invention without inventive effort are within the scope of protection of the invention.

[0048] In the following, the terms “comprising,” “having,” and their cognates, which may be used in various embodiments of the invention, are intended only to indicate a particular feature, number, step, operation, element, component, or combination thereof, and should not be construed as excluding, firstly, the presence of one or more other features, numbers, steps, operations, elements, components, or combinations thereof, or adding the possibility of one or more features, numbers, steps, operations, elements, components, or combinations thereof.

[0049] Furthermore, the terms "first," "second," and "third" are used only to distinguish descriptions and should not be interpreted as indicating or implying relative importance.

[0050] Unless otherwise specified, all terms used herein (including technical and scientific terms) shall have the same meaning as commonly understood by one of ordinary skill in the art to which the various embodiments of the invention pertain. Terms (such as those defined in commonly used dictionaries) shall be interpreted as having the same meaning as in their contextual meaning in the relevant technical field and shall not be interpreted as having an idealized or overly formal meaning, unless clearly defined in the various embodiments of the invention.

[0051] Generally, banks' revenue primarily comes from merchant commissions, installment fees, cash withdrawal fees, and annual fees. In the credit card revenue stream, installment interest is a significant contributor. Credit card sales teams promote and market different installment products based on the business needs of different channels. These channels may include direct sales, banks, property insurance companies, and life insurance companies, while installment products may include cash installments, standby cash installments, bill installments, and installments for outstanding balances.

[0052] Due to differences in organizational structure, commission calculation, and marketing strategies across different channels, the business logic of different installment products also varies. Currently, the marketing tools provided to different channels for different installment products all require separate development and testing. This results in high manpower and time costs when a channel integrates a new installment product. For example, among the existing marketing tools for the three installment products—reservation fund referral, cash installment referral, and bill installment—their content structures are similar, but their UI details and business logic differ to some extent.

[0053] Example 1

[0054] Please refer to Figure 1 This application proposes a multi-channel installment product configuration method, applied in the field of financial technology. Exemplarily, the multi-channel installment product configuration method includes steps S100 to S300.

[0055] Step S100: Receive configuration commands input by the user through the configuration platform.

[0056] In this application, the terminal display interface used to receive various commands input by the user and to display configuration information can be built based on the mainstream React front-end framework, that is, based on Vue 2.X, Umi, Axios, Dva and React-DND, a configuration platform that can quickly generate installment product marketing tools is built and displayed on the terminal display interface.

[0057] It is understood that this embodiment will pre-set various business elements that may be involved in installment products and display these elements on the aforementioned display platform. These business elements include, but are not limited to, pre-set sales channels and various types of installment products. When a user wants to configure installment products for different channels based on the pre-set business elements, they will input the corresponding configuration command. The system receives the user's configuration command and completes the configuration of installment products and channels accordingly.

[0058] Step S200: Select the corresponding target installment channel and target installment product according to the configuration command.

[0059] It is understandable that upon receiving a configuration command input from the user, the system will determine the corresponding target installment channels and target installment products from the preset channel set and preset product category set, respectively, based on the configuration command. The configuration command includes channel commands and other configuration commands.

[0060] In one implementation, such as Figure 2 As shown, step S200 includes sub-steps S210 to S220.

[0061] Sub-step S210: Determine the corresponding target phased channel from the preset channel set according to the channel command.

[0062] The preset channel set includes at least one pre-defined installment channel. In other words, the preset channel set includes, but is not limited to, any one of direct sales channels, bank channels, life insurance channels, and property insurance channels. Upon receiving a channel command input by the user, the corresponding target installment channel will be determined based on the channel command. For example, if the channel command is to select a direct sales channel, then the direct sales channel will be selected as the target installment channel.

[0063] Sub-step S220: Determine the corresponding target phased products in the preset product category set according to the product command.

[0064] The preset product category set includes, but is not limited to, any one of the following installment products: installment for billed items, installment for unbilled items, general bill installment, cash installment, and consumer reserve installment. Based on the product command entered by the user, the target installment product corresponding to the command in the preset product category set will be determined. For example, if the product command is to select an installment product for billed items, then the selected installment product for billed items will be used as the target installment product.

[0065] There is no specified order for sub-steps S210 and S220. In practical applications, they can be implemented according to the situation. For example, sub-step S210 can be executed first, followed by sub-step S220; sub-step S220 can be executed first, followed by sub-step S210; or sub-steps S210 and S220 can be executed simultaneously.

[0066] On the terminal display interface, corresponding logical configuration modules and effect display modules can be set separately on the configuration platform. The logical configuration module can be used to configure each installment channel and each installment product within a preset channel set and preset product category set. The effect display module is used to show the configuration information obtained after configuration. After the user enters the corresponding configuration command to select the target installment channel and target installment product, the selected target installment channel and target installment product can be marked and displayed on the configuration platform. Alternatively, after selecting a corresponding installment product, the corresponding product template can be displayed. For example, marked installment channels or installment products can be highlighted in yellow or red. Alternatively, "○" can indicate that it is not selected and the terminal display page may not display this element; "●" indicates that it is selected, i.e., the target installment product or target installment channel, and this element should be displayed on the terminal display page, allowing the user to quickly identify the selected target installment channel and target installment product.

[0067] In this application, users can also move any installment channel from the preset channel set or any installment product from the preset product category set in the logic configuration module to the effect display module to indicate the input of corresponding channel commands and product commands, i.e., selecting the installment channel as the target installment channel or the installment product as the target installment product. When inputting the corresponding configuration commands by dragging and dropping, the channel command can be entered first, followed by the product command.

[0068] Step S300: Based on the target installment product and target installment channel, retrieve the corresponding configuration information from the preset database and send the configuration information to the configuration platform for display.

[0069] It is understandable that the preset database includes at least one type of configuration information. After determining the target installment product and target installment channel, the corresponding configuration information can be retrieved from the preset database based on the target installment product and target installment channel. In other words, the pre-stored configuration information corresponding to the target installment product and target installment channel can be obtained. Furthermore, the determined configuration information will be sent to the terminal display interface, specifically to the effect display module of the configuration platform, for display, allowing users to more intuitively view the configuration results.

[0070] In one implementation, such as Figure 3 As shown, step S300 includes sub-steps S310 to S320.

[0071] Sub-step S310: Associate the target installment product with the target installment channel to obtain the corresponding configuration type.

[0072] In this application, when different installment channels are associated with different target installment products, different configuration types are corresponding to them. These configuration types can be of type one, type two, type three, etc., and the configuration type, installment channel, and installment product can be set according to the actual situation. After determining the target installment product and target installment channel, the selected target installment product and target installment channel are associated. In other words, the target installment product and target installment channel are matched, so that the target installment product and target installment channel can be used as input parameters into a pre-built association model to determine the corresponding configuration type.

[0073] Sub-step S320: Determine the corresponding product template and configuration data in the preset database according to the configuration type.

[0074] It is understandable that the preset database includes at least one configuration type and the configuration information corresponding to each configuration type. The configuration information includes product templates and configuration data. The configuration data includes any combination of minimum amount, maximum amount, number of installments, discount information, commission rate, optimal tag, sharing link, and remarks text. Each type of configuration data is pre-set default data. In other words, different template installment channels and target installment types correspond to different product templates and configuration data. The product template will be determined according to the target product, that is, each installment product corresponds to one product template.

[0075] Among these options, when a product target has an input field, the content of that input field is required. If the user does not enter the corresponding input field information, the default input field information will be filled in. When the configuration item with an input field is selected, the input field information is required. The minimum amount indicates the minimum amount to be paid for the installment product. The maximum amount indicates the maximum installment amount for the installment product returned by the installment service interface. The number of installments indicates the number of installments for the installment product, with 12 installments selected by default. The installment interest rate indicates the interest rate corresponding to different number of installments. The discount information indicates that a discount query entry is displayed on the display interface, or different installment interest rates can be preset. The optimal label indicates that among the multiple interest rates displayed on the display interface, multiple preset labels are set after the minimum interest rate. For example, the recommended label "commission ratio" indicates the maximum commission ratio that the salesperson can obtain. The share link indicates the link corresponding to the configuration information. A "Share" button can be set in the product template. When the user configures the default share link, clicking the button will generate a corresponding QR code. The remarks information indicates the remarks content corresponding to different installment products.

[0076] After the configuration type is determined, the corresponding configuration information will be retrieved from the preset database according to the determined configuration type. In other words, the corresponding product template and configuration data will be retrieved, so that the product template corresponding to the target phased product will be displayed on the terminal display interface, and the determined configuration data will be displayed according to the product template.

[0077] In one implementation, such as Figure 4 As shown, the multi-channel installment product configuration method also includes steps S400 to S600.

[0078] Step S400: Receive the first modification command input by the user.

[0079] In this application, when configuration information is displayed on the terminal page, users can modify the target installment product or target installment channel according to their actual needs, or modify both simultaneously, to obtain the modified target installment product or modified target installment channel. The corresponding configuration information is then determined and displayed based on the modified target installment product or modified target installment channel. A first modification command input by the user is received, which can be a command carrying the modified installment channel, a command carrying the modified installment product, or a command carrying both the modified installment product and the modified installment channel.

[0080] Step S500: If the first modification command carries the modified installment channel information, then replace the target installment channel with the installment channel corresponding to the modified installment channel information.

[0081] When the first modification command carries the modified installment channel information, the corresponding installment channel information is determined based on the modified installment channel information, and the determined target installment channel is replaced with the installment channel corresponding to the modified installment channel information. Thus, step S300 is re-executed based on the modified installment channel and the target installment product.

[0082] S600: If the first modification command carries the modified installment product, then the target installment product will be replaced with the installment product corresponding to the modified installment product information.

[0083] When the target installment channel is the modified installment product, the corresponding installment product is determined based on the modified installment product information, and the target installment product is replaced with the installment product corresponding to the modified installment product information. Then, step S300 is executed based on the target installment channel and the modified installment product. When the first modification command carries modified installment product information and modified installment channel information, step S300 is re-executed based on the installment product corresponding to the modified installment product information and the installment channel corresponding to the modified installment channel information, thereby retrieving the corresponding configuration information from the preset database and displaying it on the configuration platform.

[0084] In one implementation, such as Figure 5 As shown, the multi-channel installment product configuration method also includes steps S700 to S800.

[0085] Step S700: Receive the second modification command input by the user.

[0086] In this application, the user can also input a second modification command according to actual needs. The second modification command is a command to modify the configuration data in the configuration information. Upon receiving the second modification command input by the user, the system will determine the corresponding content in the configuration data that the user intends to modify. This configuration data will also be displayed on the terminal display interface. The user can input the second modification command based on the display interface, or receive the second modification command through the same display interface.

[0087] Step S800: Modify the corresponding content in the configuration data of the configuration information according to the second modification command to obtain the modified configuration data.

[0088] By modifying the corresponding content in the configuration data of the relevant configuration information according to the determined second modification command, the modified configuration data can be obtained. In other words, the minimum amount, maximum amount, installment period, discount information, commission rate, optimal tag, sharing link, and remarks text in the determined configuration information can be modified accordingly. After modification, the modified configuration data will be obtained and displayed on the terminal display interface according to the determined product template.

[0089] For example, when the second modification command includes a modified minimum amount, the "Minimum Amount" will be selected for modification, and the modified minimum amount for the installment plan will be displayed on the screen. When the second modification command includes a modified maximum amount, the modified maximum amount for the installment plan will be displayed on the screen.

[0090] In one implementation, such as Figure 6As shown, when the configuration data includes the maximum amount and the second modification command carries the modified maximum amount, the multi-channel installment product configuration method further includes steps S810 to S830.

[0091] Step S810: Determine whether the modified maximum amount is less than or equal to the preset maximum amount.

[0092] When the second modification command carries the modified maximum amount, it will be determined whether the received modified maximum amount is less than or equal to the preset maximum amount. If yes, step S820 is executed; otherwise, step S830 is executed. The preset maximum amount is set according to the actual situation, and different target installment channels and different target installment products correspond to different preset maximum amounts. In other words, different configuration types correspond to different preset maximum amounts.

[0093] Step S820: Replace the highest amount in the configuration data with the modified highest amount.

[0094] If the modified maximum amount is less than or equal to the preset maximum amount, then the modified maximum amount is determined to be within the maximum amount range of this configuration type, and the modified maximum amount will be used as the maximum amount of the configuration data.

[0095] Step S830: Replace the highest amount with the preset highest amount.

[0096] If the modified maximum amount is greater than the preset maximum amount, it is determined that the modified maximum amount does not conform to the configuration type, that is, it does not conform to the maximum amount range corresponding to the target installment product and the target installment channel. In this case, the preset maximum amount will be used as the maximum amount.

[0097] In one implementation, when the second modification command carries a modified minimum amount, it is determined whether the received modified minimum amount falls within a preset minimum amount range. If the modified minimum amount falls within the preset minimum amount range, the minimum amount will be replaced with the modified minimum amount; if the modified minimum amount does not fall within the preset minimum amount range, the existing minimum amount will not be modified.

[0098] In this application, the corresponding installment channels and installment products can be added or reduced according to actual needs. This can not only reduce the development and testing costs of the configuration display interface corresponding to different channels and different installment products, but also reduce the investment of manpower and time costs.

[0099] Based on the multi-channel installment product configuration method described in the above embodiments, Figure 7 A schematic diagram of a multi-channel installment product configuration device 10 provided in an embodiment of this application is shown. The multi-channel installment product configuration device 10 includes:

[0100] The receiving module 11 is used to receive configuration commands input by the user through the configuration platform;

[0101] Module 12 is used to select the corresponding target installment channel and target installment product according to the configuration command;

[0102] The configuration module 13 is used to obtain the corresponding configuration information from a preset database based on the target installment product and the target installment channel, and send the configuration information to the configuration platform for display.

[0103] In one embodiment, the multi-channel installment product configuration device 10 further includes:

[0104] The modification module is used to receive the first modification command input by the user;

[0105] A channel modification template is used to replace the target installment channel with the modified target installment channel if the first modification command carries a modified target installment channel.

[0106] The product modification module is used to replace the target installment product with the modified target installment product if the first modification command carries a modified target installment product.

[0107] The multi-channel installment product configuration device 10 in this embodiment is used to execute the multi-channel installment product configuration method of the above embodiment. The implementation schemes and beneficial effects involved in the above embodiments are also applicable in this embodiment, and will not be repeated here.

[0108] This application also provides a terminal device, including a memory and a processor. The memory stores a computer program, and the computer program executes the above-described multi-channel installment product configuration method when it runs on the processor.

[0109] This application also provides a computer-readable storage medium storing a computer program that, when executed on a processor, implements the above-described multi-channel installment product configuration method.

[0110] In the several embodiments provided in this application, it should be understood that the disclosed apparatus and methods can also be implemented in other ways. The apparatus embodiments described above are merely illustrative; for example, the flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that, as an alternative implementation, the functions marked in the blocks may occur in a different order than those marked in the drawings. For example, two consecutive blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in the block diagram and / or flowchart, and combinations of blocks in the block diagram and / or flowchart, can be implemented using a dedicated hardware-based system that performs the specified function or action, or using a combination of dedicated hardware and computer instructions.

[0111] In addition, the functional modules or units in the various embodiments of the present invention can be integrated together to form an independent part, or each module can exist independently, or two or more modules can be integrated to form an independent part.

[0112] If the aforementioned functions are implemented as software functional modules and sold or used as independent products, they can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this invention, or the part that contributes to the prior art, or a portion of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a smartphone, personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0113] The above description is merely a specific embodiment of the present invention, but the scope of protection of the present invention is not limited thereto. Any changes or substitutions that can be easily conceived by those skilled in the art within the scope of the technology disclosed in the present invention should be included within the scope of protection of the present invention.

Claims

1. A multi-channel phased product configuration method, characterized by, The method comprises: receiving a configuration command input by a user through a configuration platform; selecting a target installment channel and a target installment product according to the configuration command; obtaining corresponding configuration information from a preset database based on the target installment product and the target installment channel, and sending the configuration information to the configuration platform for display; the configuration command comprises a channel command and a product command, and the selecting of the target installment channel and the target installment product according to the configuration command comprises: determining the target installment channel from a preset channel set according to the channel command; determining the target installment product in a preset product category according to the product command; the obtaining of the corresponding configuration information from the preset database based on the target installment product and the target installment channel comprises: associating the target installment product and the target installment channel to obtain a corresponding configuration type; determining a corresponding product template and configuration data in the preset database according to the configuration type.

2. The multi-channel phased product configuration method of claim 1, wherein, The configuration information comprises a product template and configuration data, and the configuration data comprises any multiple of a minimum amount, a maximum amount, a number of installment, discount information, an optimal label and a note text.

3. The multi-channel phased product configuration method of claim 1, wherein, The method further comprises: receiving a first modification command input by the user; if the first modification command carries modified installment channel information, replacing the target installment channel with an installment channel corresponding to the modified installment channel information; if the first modification command carries a modified installment product, replacing the target installment product with an installment product corresponding to the modified installment product information.

4. The multi-channel phased product configuration method of claim 1, wherein, The method further comprises: receiving a second modification command input by the user; modifying corresponding content in the configuration data of the configuration information according to the second modification command to obtain modified configuration data.

5. The multi-channel staged product configuration method of claim 4, wherein, When the configuration data comprises a maximum amount, and the second modification command carries a modified maximum amount, the method further comprises: determining whether the modified maximum amount is less than or equal to a preset maximum amount; if yes, replacing the maximum amount of the configuration data with the modified maximum amount; if no, replacing the maximum amount with the preset maximum amount.

6. A multi-channel installment product configuration apparatus, characterized by comprising: The device comprises: a receiving module configured to receive a configuration command input by a user through a configuration platform; a selecting module configured to select a target installment channel and a target installment product according to the configuration command; a configuration module configured to obtain corresponding configuration information from a preset database based on the target installment product and the target installment channel, and send the configuration information to the configuration platform for display; the configuration command comprises a channel command and a product command, and the selecting of the target installment channel and the target installment product according to the configuration command comprises: determining the target installment channel from a preset channel set according to the channel command; determining the target installment product in a preset product category according to the product command; the obtaining of the corresponding configuration information from the preset database based on the target installment product and the target installment channel comprises: Correlate the target installment product and the target installment channel to obtain a corresponding configuration type; Determine corresponding product templates and configuration data in a preset database according to the configuration type.

7. A terminal device, characterized by comprising: A device comprising a memory and a processor, wherein the memory stores a computer program, and the computer program performs the multi-channel installment product configuration method of any one of claims 1 to 5 when running on the processor.

8. A readable storage medium, characterized by, A storage medium storing a computer program, and the computer program performs the multi-channel installment product configuration method of any one of claims 1 to 5 when running on a processor.

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