A smart bank marketing method and system based on a digital twin riding product

Abstract

The application discloses a marketing method and system for a smart bank based on a digital twin riding product, comprising: displaying a plurality of riding scenes on a man-machine interaction interface for a user to select; in response to a selection operation of the riding scene, displaying a riding environment corresponding to the riding scene on the man-machine interaction interface; continuously acquiring riding data during the riding process, performing a triggering judgment on the riding data in a marketing mode, and obtaining a judgment result; based on the judgment result, requesting to determine whether the marketing mode is triggered; in response to determining that the marketing mode is triggered, acquiring a plurality of marketing scenes; and displaying marketing information corresponding to the marketing scene on the man-machine interaction interface according to a marketing scene satisfied by a state of the user. The application combines the marketing promotion activities of the bank with the traditional riding experience, promotes the marketing of products in other scenes such as bank financial management, improves the experience of customers in the marketing activities, and enhances the customer stickiness in various scenes such as banks.

Description

Technical Field

[0001] This invention relates to the field of e-commerce, specifically to a marketing method and system for smart banks based on digital twin cycling products. Background Technology

[0002] Traditional cycling products are primarily used in fitness centers, and their main function is to record customers' cycling data to reflect their exercise volume. This results in low utilization of overall customer information, and the cycling data is not linked to other systems, serving only as a notification, making its functionality limited. It is understood that current smart banking promotion methods mainly rely on offline and online print advertising or face-to-face marketing by staff. These methods often lead to poor customer experience and low marketing success rates. Summary of the Invention

[0003] The purpose of this invention is to provide a marketing method and system for smart banks based on digital twin cycling products, in order to solve the technical problems of the relatively simple marketing methods and poor customer experience in the existing smart bank technology. By combining the bank's marketing and promotion activities with the traditional cycling experience, the technical effect of improving customer experience and enhancing customer stickiness in various scenarios such as banking is achieved.

[0004] The first aspect of the present invention is to provide a marketing method for a smart bank based on a digital twin cycling product, used in a client application of the cycling product, comprising:

[0005] Several cycling scenarios are displayed on the human-computer interaction interface for users to choose from;

[0006] In response to the selection of the cycling scenario, the cycling environment corresponding to the cycling scenario is displayed on the human-computer interaction interface;

[0007] During the ride, cycling data is continuously acquired, and the cycling data is used to determine the triggering of marketing models to obtain the determination results;

[0008] Based on the judgment result, a request is made to determine whether the marketing mode is triggered;

[0009] In response to determining that the marketing mode has been triggered, multiple marketing scenarios are retrieved;

[0010] The marketing scenarios include at least one of the following: new customer acquisition scenario, coupon distribution scenario, points reward scenario, and maintenance scenario;

[0011] The user acquisition scenario is a marketing scenario in which a login prompt is pushed when the user is detected not to be logged in during and / or after the user finishes riding.

[0012] The coupon distribution scenario refers to a marketing scenario in which marketing product coupons are pushed randomly at regular intervals based on the user's status during and / or after the user finishes riding, or marketing product coupons are pushed in a targeted manner based on the user's corresponding user characteristic information.

[0013] The points reward scenario is a marketing scenario in which points rewards are pushed based on the riding data when the user is detected to be logged in during and / or after the user finishes riding.

[0014] The maintenance scenario is a marketing scenario in which, after a user finishes riding, the system detects that the user is in a logout state and pushes specific marketing information based on the user's corresponding user characteristic information.

[0015] Based on the marketing scenario fulfilled by the user's status, marketing information corresponding to the marketing scenario is displayed on the human-computer interaction interface.

[0016] Furthermore, before displaying several cycling scenarios for the user to choose from on the human-computer interaction interface, the method further includes:

[0017] Several experience modes are displayed on the human-computer interaction interface for users to choose from;

[0018] In response to the selection of the experience mode, a request is made to obtain first customer information, which includes at least one type of customer information.

[0019] In response to determining that the first customer information has been obtained, the first customer information is sent to the server to trigger the server to send the second customer information generated based on the first customer information to the client. The second customer information is the complete user feature information of the customer corresponding to the first customer information.

[0020] The system receives the second customer information and displays it on the human-computer interaction interface.

[0021] Furthermore, several experience modes are displayed on the human-computer interaction interface for customers to choose from, including:

[0022] The human-computer interaction interface displays two experience modes for users to choose from: login mode and guest mode. The login mode includes several login methods, including one or more of facial recognition login, QR code login, and login by entering identity information.

[0023] Furthermore, in response to obtaining the first customer information, the server sends the first customer information, which triggers the server to send second customer information generated based on the first customer information to the client. The second customer information is the complete customer information of the customer corresponding to the first customer information, including:

[0024] In response to obtaining the first customer information, the first customer information is used to trigger the server to perform a corresponding information database detection based on the type of the first customer information, and after detecting the second customer information corresponding to the first customer information, to send the second customer information to the client.

[0025] Furthermore, in response to the selection of the experience mode, after determining whether to obtain the first customer information, the method further includes:

[0026] Based on the determination that the first customer information will not be obtained, the step of displaying several cycling scenarios on the human-computer interaction interface for the user to choose from will be directly triggered.

[0027] Furthermore, after sending the first customer information to the server, the process further includes:

[0028] The first customer information is used to trigger the server to send a login failure indication to the client after it cannot detect customer information corresponding to the first customer information.

[0029] Furthermore, in response to the cycling scenario selection operation, displaying the cycling environment corresponding to the cycling scenario on the human-computer interaction interface includes:

[0030] In response to the selection of the cycling scenario, real-time weather data corresponding to the selected cycling scenario information is obtained, a cycling environment corresponding to the cycling scenario is created based on the real-time weather information, and the cycling environment is displayed on the human-computer interaction interface.

[0031] Furthermore, the continuous acquisition of cycling data during the ride, and the determination of whether to trigger a marketing model based on the cycling data, to obtain the determination result, includes:

[0032] Set a marketing mode trigger value, respond to the cycling function, continuously acquire cycling data, determine whether the cycling data meets the marketing mode trigger value, and obtain the judgment result.

[0033] A second aspect of the present invention is to provide a smart bank marketing system based on a digital twin cycling product, the system being connected to cycling equipment, the system comprising:

[0034] The first display module is used to display several cycling scenarios on the human-computer interaction interface for the user to select.

[0035] The second display module is used to display the cycling environment corresponding to the cycling scenario on the human-computer interaction interface in response to the selection operation of the cycling scenario.

[0036] The first information processing module is used to continuously acquire cycling data during the cycling process, perform marketing mode trigger judgment on the cycling data, and obtain the judgment result;

[0037] The marketing triggering module is used to determine whether the marketing mode is triggered based on the judgment result;

[0038] The marketing scenario push module is used to retrieve multiple marketing scenarios in response to determining that the marketing mode has been triggered.

[0039] The marketing scenarios include at least one of the following: new customer acquisition scenario, coupon distribution scenario, points reward scenario, and maintenance scenario;

[0040] The user acquisition scenario is a marketing scenario in which a login prompt is pushed when the user is detected not to be logged in during and / or after the user finishes riding.

[0041] The coupon distribution scenario refers to a marketing scenario in which, during and / or after a user's ride, if the user is not logged in or is logged in, marketing product coupons are pushed randomly at regular intervals based on the user's status or targeted based on the user's corresponding user characteristics.

[0042] The points reward scenario is a marketing scenario in which points rewards are pushed based on the riding data when the user is detected to be logged in during and / or after the user finishes riding.

[0043] The maintenance scenario is a marketing scenario in which, after a user finishes riding, the system detects that the user is in a logout state and pushes specific marketing information based on the user's corresponding user characteristic information.

[0044] When it is determined that the user's status meets the marketing scenario, marketing information corresponding to the marketing scenario is displayed on the human-computer interaction interface.

[0045] Furthermore, the system also includes:

[0046] The third display module is used to display several experience modes on the human-computer interaction interface for users to choose from;

[0047] The second information processing module is used to respond to the selection operation of the experience mode and determine whether to obtain the first customer information, wherein the first customer information includes at least one type of customer information.

[0048] The third information processing module is used to send the first customer information to the server in response to obtaining the first customer information, so as to trigger the server to send the second customer information generated based on the first customer information to the client, wherein the second customer information is the complete user feature information of the customer corresponding to the first customer information;

[0049] An information receiving module is used to receive the second customer information and display the second customer information on the human-computer interaction interface.

[0050] Beneficial effects:

[0051] As can be seen from the above technical solutions, the technical solution of the present invention provides a marketing method and system for smart banks based on digital twin cycling products. It combines the bank's marketing and promotion activities with the traditional cycling experience and links it with various bank systems, thereby effectively utilizing customer information to promote the marketing of products in other scenarios such as bank wealth management. At the same time, by providing multiple experience modes, it enhances the customer experience and strengthens customer loyalty in various scenarios such as banking.

[0052] It should be understood that all combinations of the foregoing concepts and the additional concepts described in more detail below can be considered part of the inventive subject matter of this disclosure, provided that such concepts do not contradict each other.

[0053] The foregoing and other aspects, embodiments, and features of the teachings of the present invention will be more fully understood from the following description in conjunction with the accompanying drawings. Other additional aspects of the invention, such as features and / or beneficial effects of exemplary embodiments, will become apparent from the following description or may be learned through practice of specific embodiments according to the teachings of the present invention. Attached Figure Description

[0054] The accompanying drawings are not intended to be drawn to scale. In the drawings, each identical or nearly identical component shown in the various figures may be denoted by the same reference numeral. For clarity, not every component is labeled in each figure. Embodiments of various aspects of the invention will now be described by way of example and with reference to the accompanying drawings, wherein:

[0055] Figure 1 This is a schematic diagram illustrating one implementation process of the marketing method in this application embodiment;

[0056] Figure 2 This is another schematic diagram of the implementation process of the marketing method in the embodiments of this application;

[0057] Figure 3 This is a schematic diagram illustrating another implementation process of the marketing method in the embodiments of this application;

[0058] Figure 4 This is a system interaction framework diagram of the login process in this application embodiment;

[0059] Figure 5 This is a system interaction framework diagram for the points reward scenario in this application embodiment. Detailed Implementation

[0060] To make the objectives and technical solutions of the embodiments of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below in conjunction with the embodiments of the present invention. Obviously, the described embodiments are only some, not all, of the embodiments of the present invention. Based on the described embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0061] It will be understood by those skilled in the art that, unless otherwise defined, all terms used herein (including technical and scientific terms) have the same meaning as commonly understood by one of ordinary skill in the art to which this invention pertains. It should also be understood that terms such as those defined in general dictionaries should be understood to have the same meaning as in the context of the prior art, and should not be interpreted in an idealized or overly formal sense unless defined as herein.

[0062] This invention combines bank marketing and promotion activities with the traditional cycling experience and links them with various bank systems such as customer relationship management systems. This promotes product marketing in other scenarios such as bank wealth management while enhancing customer engagement and experience, thereby increasing customer loyalty.

[0063] This invention provides a marketing method and system for smart banks based on digital twin cycling products, which will be described in detail below.

[0064] For ease of understanding, this embodiment will provide a multi-terminal explanation combining the client, machine, and system. (Refer to...) Figure 3 This diagram illustrates the terminal-server interaction framework involved in an embodiment of the present invention. The terminal, which can be a cycling device equipped with a cycling LCD screen serving as a human-computer interaction interface, has an application program installed on one side of the LCD screen. The server can be a single server or a server cluster consisting of several servers. The server provides the hardware foundation for a customer relationship management (CRM) system, a marketing system, and a points system, and interacts with the terminal to provide information services, marketing push notifications, and points redemption functions.

[0065] Please refer to Figure 1 This invention provides a marketing method for smart banks based on digital twin cycling products. The method is used in the client-side application of the cycling product and includes the following steps:

[0066] Step S101: Display several cycling scenarios on the human-computer interaction interface for the user to select;

[0067] Step S102: In response to the selection operation of the cycling scenario, the cycling environment corresponding to the cycling scenario is displayed on the human-computer interaction interface;

[0068] Step S103: Continuously acquire cycling data during the ride, and determine the triggering of the marketing model based on the cycling data to obtain the determination result;

[0069] Step S104: Based on the judgment result, request confirmation to trigger the marketing mode;

[0070] Step S105: In response to determining that the marketing mode has been triggered, obtain multiple marketing scenarios;

[0071] Step S106: Based on the marketing scenario satisfied by the user's status, display marketing information corresponding to the marketing scenario on the human-computer interaction interface.

[0072] The above method combines bank marketing activities with cycling products commonly used in gyms to increase the fun of marketing activities and enhance user participation. By providing multiple cycling experience methods in marketing activities, the user experience is improved. Rewards are given based on different user login identities, and marketing products are displayed in a targeted manner. At the same time, the probability of ordinary users being converted into customers with stronger purchasing intentions is increased, thereby improving bank customer loyalty.

[0073] In this embodiment, after the customer selects the cycling scenario in step S101, they use the cycling device to experience cycling. During the cycling process, the cycling terminal program continuously acquires cycling kilometer data calculated by the speed sensor installed in the cycling device.

[0074] In marketing, the product life cycle is usually divided into four stages: entry, growth, saturation and decline. Similarly, the marketing of products by smart banks can also be divided into four stages. Specifically, in step S105, the marketing scenario includes at least one of the following: new customer acquisition scenario, card and coupon distribution scenario, points reward scenario and maintenance scenario.

[0075] The user acquisition scenario is a marketing scenario in which a login prompt is pushed when the user is detected not to be logged in during and / or after the user finishes riding.

[0076] The user acquisition scenario described corresponds to the entry phase of the product lifecycle. During this phase, users have a low level of product awareness. To expand sales, higher marketing costs are typically incurred during this period to promote the product, increase brand awareness, and deepen user understanding. Specifically, after a user starts using the cycling product and begins riding, if the system detects that the user is not logged in, a notification is pushed to the cycling LCD screen prompting the user to log in to unlock more new features and earn reward points. In practice, after a user experiences the cycling product in guest mode and finishes riding, bank staff can guide them to register and try riding the product again while logged in to earn reward points. Considering the time and effort already invested, users are more likely to register, thus increasing the exposure and conversion rate of the marketing product.

[0077] The coupon distribution scenario refers to a marketing scenario in which marketing product coupons are pushed randomly at regular intervals based on the user's status during and / or after the user finishes riding, or marketing product coupons are pushed in a targeted manner based on the user's corresponding user characteristic information.

[0078] The coupon distribution scenario corresponds to the growth stage of the product lifecycle. During this stage, users have a certain understanding of the product and their willingness to purchase is strongest than in other stages. Therefore, more specific forms of discounts can be used to further stimulate consumption. Specifically, when a user is not logged in, during and / or after a ride, the cycling LCD screen will periodically display information about any of the bank's currently promoted marketing products and their corresponding discount coupons. The screen may also prompt the user to register and / or log in to claim the discount coupons. When a user is logged in, targeted marketing products will be pushed based on the user's corresponding user characteristics. These characteristics include basic user attributes and spending power information. Basic attributes may include age, gender, education level, and occupation, while spending power information may include monthly income, monthly expenses, loan status, and investment product purchases. Based on user profiles derived from a comprehensive analysis of basic user attributes and spending power, targeted marketing product information and purchase discount coupons can be displayed on the cycling LCD screen. For example, medium- to high-risk financial products can be pushed to well-educated, stable-income young and middle-aged users, while low-risk retirement-oriented financial products can be pushed to conservative-investing but also have some savings middle-aged and elderly users.

[0079] The points reward scenario is a marketing scenario in which points rewards are pushed based on the riding data when the user is detected to be logged in during and / or after the user finishes riding.

[0080] The points reward scenario corresponds to the maturity stage of the product lifecycle. At this stage, users' willingness to consume is lower than in the growth stage but still has potential. Rewards can be used to further stimulate user spending. Specifically, reward milestones for cycling are pre-set. When a user is logged in, the cycling terminal program will display points rewards and marketing products on the cycling LCD screen after every kilometer or two of cycling. Points rewards and marketing products are displayed as pop-ups in front of the cycling direction or as environmental elements within the cycling scene for 10 seconds. Each milestone reached awards 10 points. The points rewards are uploaded in real-time by the cycling terminal program to the bank's points system for personal point accumulation. Points can be redeemed for goods in the bank's points mall. The pop-up content can include a virtual character, points reward information, and product recommendations.

[0081] The maintenance scenario is a marketing scenario in which, after a user finishes riding, the system detects that the user is in a logout state and pushes specific marketing information based on the user's corresponding user characteristic information.

[0082] Specifically, the maintenance scenario corresponds to the decline phase in the product lifecycle. To minimize customer churn and delay the decline in product sales, similarly to the coupon distribution scenario when the user is logged in, when it is detected that the user has ended the ride and is about to log out on the riding LCD screen, a customized financial product based on the user's characteristic information is pushed on the riding LCD screen. This increases the user's impression of the marketing product regardless of whether the user has the intention to consume, thereby helping to shorten the time to market for the product and generate more profits as much as possible.

[0083] It should be noted that in any of the marketing scenarios described above, the marketing products can be displayed in the form of text ads, image ads, video ads, etc.

[0084] like Figure 2 As shown, before displaying several cycling scenarios for the user to choose from on the human-computer interaction interface, step S101 above further includes:

[0085] Step S201: Display several experience modes on the human-computer interaction interface for users to choose from;

[0086] Step S202: In response to the selection operation of the experience mode, request to obtain the first customer information, wherein the first customer information includes at least one type of customer information;

[0087] Step S203: In response to determining that the first customer information has been obtained, the first customer information is sent to the server to trigger the server to send the second customer information generated based on the first customer information to the client. The second customer information is the complete user feature information of the customer corresponding to the first customer information.

[0088] Step S204: Receive the second customer information and display the second customer information on the human-computer interaction interface.

[0089] As an optional implementation, the experience mode in step S201 includes two experience modes: login mode and guest mode.

[0090] In response to the login mode selection operation, the cycling terminal program determines to obtain first customer information. This first customer information triggers the server to perform a corresponding database check based on the type of the first customer information, and after detecting customer information corresponding to the first customer information, sends the customer information to the client. The login mode includes several login methods, including one or more of facial recognition login, QR code login, and login with entered identity information. In this embodiment, the login methods include facial recognition login, QR code login, and login with entered identity information for the customer to choose from. If a customer selects facial recognition login via the cycling LCD screen, the cycling terminal program scans the customer's image using the camera on the screen and sends this image information as the first customer information to the bank's CRM system. The bank's CRM system then matches the image information against its facial database. If a match is found, the CRM system retrieves the second customer information, which is the complete customer information corresponding to the first customer information. The CRM system then sends this second customer information back to the cycling terminal program, which in turn displays it on the cycling LCD screen. Alternatively, if the customer selects QR code login via the cycling LCD screen, the terminal program displays a QR code and prompts the customer to use the mobile banking app to scan and log in. After a customer scans the QR code, the bank's CRM system retrieves complete customer information based on the first customer information obtained from the app's QR code login. The retrieved second customer information is then sent to the cycling terminal app, which displays this second customer information on a large screen. Alternatively, if the customer chooses to log in by entering their identity information, the cycling terminal app displays a personal information input interface. After entering their name, ID number, or mobile phone number and clicking the login button, the cycling terminal app sends the entered personal information to the bank's CRM system for matching. If a match is successful, the bank's CRM system obtains complete customer information and sends the second customer information back to the cycling terminal app, which then displays it on the cycling LCD screen. After successfully logging in using any of these three methods, users can view the points earned in their bank accounts through the second customer information displayed on the cycling LCD screen via the cycling terminal app. In addition, if users have not registered their personal information with the bank, they can click the registration button on the cycling terminal program or register their personal information using the mobile banking app. Customers can register by entering their name, ID number, mobile phone number, facial image, etc. After successful registration, customers can choose any of the above login methods to experience cycling.

[0091] Among the three login methods mentioned above, after receiving the first customer information such as customer avatar, name or mobile phone number sent by the cycling terminal program, the bank CRM system may also fail to detect the second customer information corresponding to the first customer information. In this case, the bank CRM system sends a login failure indication to the cycling terminal program. After receiving the above indication, the cycling terminal program pushes it to the cycling LCD screen for display in the form of login failure.

[0092] After successfully logging in, the cycling terminal program displays several cycling scenarios on the cycling LCD screen for the customer to choose from. These cycling scenarios are created using digital twin technology, which combines GIS modeling of real-world scenes with IoT communication. Specifically, the cycling scenarios may include park cycling scenarios, mountain road cycling scenarios, and city cycling scenarios. After the customer selects a cycling scenario, the cycling terminal program obtains real-time weather data corresponding to the selected scenario, such as temperature, humidity, and air quality. Based on the real-time weather information, it simulates the cycling environment corresponding to the scenario, including lighting and visibility, and displays this simulation on the cycling LCD screen. Simultaneously, it displays the real-time weather data as a floating window.

[0093] In one step, such as Figure 3 As shown, in step S201, if the user chooses to experience cycling by logging in, step S201 further includes:

[0094] Step S2011: Determine if it is a special date;

[0095] Step S2012: When a special date is determined, a virtual character displays a welcome message, greetings, and marketing product information on the cycling display screen.

[0096] Specifically, when a customer is logged in, the cycling scenario can use a virtual avatar to display a customized welcome message and targeted marketing products. On special occasions such as a customer's birthday, the virtual avatar can display birthday wishes and present virtual birthday gifts, which the customer can then collect at the counter using their personal information.

[0097] Accordingly, this invention also provides a smart bank marketing system based on a digital twin cycling product. For example, the marketing method for a smart bank based on a digital twin cycling product described above can be divided into multiple modules, which are stored in a memory and executed by a processor to complete the invention. These multiple modules or units can be a series of computer program instruction segments capable of performing specific functions, describing the execution process of the smart bank's marketing method based on a digital twin cycling product. For instance, the smart bank's marketing system based on a digital twin cycling product is divided into a first display module, a second display module, a first information processing module, a marketing trigger module, and a marketing scenario push module, wherein the specific functions of each module are as follows:

[0098] The first display module is used to display several cycling scenarios on the human-computer interaction interface for the user to select.

[0099] The second display module is used to display the cycling environment corresponding to the cycling scenario on the human-computer interaction interface in response to the selection operation of the cycling scenario.

[0100] The first information processing module is used to continuously acquire cycling data during the cycling process, perform marketing mode trigger judgment on the cycling data, and obtain the judgment result;

[0101] The marketing triggering module is used to determine whether the marketing mode is triggered based on the judgment result;

[0102] The marketing scenario push module is used to retrieve multiple marketing scenarios in response to determining that the marketing mode has been triggered.

[0103] The marketing scenarios include at least one of the following: new customer acquisition scenario, coupon distribution scenario, points reward scenario, and maintenance scenario;

[0104] The user acquisition scenario is a marketing scenario in which a login prompt is pushed when the user is detected not to be logged in during and / or after the user finishes riding.

[0105] The coupon distribution scenario refers to a marketing scenario in which, during and / or after a user's ride, if the user is not logged in or is logged in, marketing product coupons are pushed randomly at regular intervals based on the user's status or targeted based on the user's corresponding user characteristics.

[0106] The points reward scenario is a marketing scenario in which points rewards are pushed based on the riding data when the user is detected to be logged in during and / or after the user finishes riding.

[0107] The maintenance scenario is a marketing scenario in which, after a user finishes riding, the system detects that the user is in a logout state and pushes specific marketing information based on the user's corresponding user characteristic information.

[0108] When it is determined that the user's status meets the marketing scenario, marketing information corresponding to the marketing scenario is displayed on the human-computer interaction interface.

[0109] In some embodiments, the system further includes:

[0110] The third display module is used to display several experience modes on the human-computer interaction interface for users to choose from;

[0111] The second information processing module is used to respond to the selection operation of the experience mode and determine whether to obtain the first customer information, wherein the first customer information includes at least one type of customer information.

[0112] The third information processing module is used to send the first customer information to the server in response to obtaining the first customer information, so as to trigger the server to send the second customer information generated based on the first customer information to the client, wherein the second customer information is the complete user feature information of the customer corresponding to the first customer information;

[0113] An information receiving module is used to receive the second customer information and display the second customer information on the human-computer interaction interface.

[0114] It should be noted that the descriptions of the above marketing system embodiments are similar to the descriptions of the methods described above, and have the same beneficial effects as the method embodiments. For technical details not disclosed in the marketing device embodiments of this application, those skilled in the art should refer to the descriptions of the method embodiments of this application for understanding.

[0115] While the present invention has been disclosed above with reference to preferred embodiments, it is not intended to limit the invention. Those skilled in the art can make various modifications and refinements without departing from the spirit and scope of the invention. Therefore, the scope of protection of the present invention shall be determined by the claims.

Claims

1. A marketing method for smart banks based on digital twin cycling products, characterized in that, The client application for cycling products includes: Several cycling scenarios are displayed on the human-computer interaction interface for users to choose from; Before displaying several cycling scenarios for user selection on the human-computer interaction interface, the process further includes: displaying several experience modes for user selection on the human-computer interaction interface, including a login mode and a guest mode; the login mode includes several login methods, including one or more of facial recognition login, QR code login, and login by entering identity information; in response to the selection of the experience mode, requesting confirmation to obtain first customer information, the first customer information including at least one type of customer information; in response to confirming the acquisition of the first customer information, sending the first customer information to the server to trigger the server to send second customer information generated based on the first customer information to the client, the second customer information being the complete user characteristic information of the customer corresponding to the first customer information; receiving the second customer information and displaying the second customer information on the human-computer interaction interface. In response to the selection of the cycling scenario, the cycling environment corresponding to the cycling scenario is displayed on the human-computer interaction interface; During the ride, cycling data is continuously acquired, and the cycling data is used to determine the triggering of marketing models to obtain the determination results; Based on the judgment result, a request is made to determine whether the marketing mode is triggered; In response to determining that the marketing mode has been triggered, multiple marketing scenarios are retrieved; The marketing scenarios include at least one of the following: new customer acquisition scenario, coupon distribution scenario, points reward scenario, and maintenance scenario; The user acquisition scenario refers to a marketing scenario in which a login prompt is pushed when the user is detected not to be logged in during and / or after the user finishes riding. The coupon distribution scenario refers to a marketing scenario in which marketing product coupons are pushed randomly at regular intervals based on the user's status during and / or after the user finishes riding, or marketing product coupons are pushed in a targeted manner based on the user's corresponding user characteristic information. The points reward scenario is a marketing scenario in which points rewards are pushed based on the riding data when the user is detected to be logged in during and / or after the user finishes riding. The maintenance scenario is a marketing scenario in which, after a user finishes riding, the system detects that the user is in a logout state and pushes specific marketing information based on the user's corresponding user characteristic information. Based on the marketing scenario fulfilled by the user's status, marketing information corresponding to the marketing scenario is displayed on the human-computer interaction interface.

2. The method according to claim 1, characterized in that, In response to obtaining the first customer information, the server sends the first customer information to the client. The first customer information triggers the server to send second customer information generated based on the first customer information to the client. The second customer information is the complete customer information of the customer corresponding to the first customer information, including: In response to obtaining the first customer information, the first customer information is used to trigger the server to perform a corresponding information database detection based on the type of the first customer information, and after detecting the second customer information corresponding to the first customer information, to send the second customer information to the client.

3. The method according to claim 1, characterized in that, After determining whether to obtain the first customer information in response to the selection operation of the experience mode, the method further includes: Based on the determination that the first customer information will not be obtained, the step of displaying several cycling scenarios on the human-computer interaction interface for the user to choose from will be directly triggered.

4. The method according to claim 1, characterized in that, After sending the first customer information to the server, the process further includes: The first customer information is used to trigger the server to send a login failure indication to the client after it cannot detect the second customer information corresponding to the first customer information.

5. The method according to claim 1, characterized in that, The step of displaying a cycling environment corresponding to the cycling scenario on the human-computer interaction interface in response to the cycling scenario selection operation includes: In response to the selection of the cycling scenario, real-time weather data corresponding to the selected cycling scenario information is obtained, a cycling environment corresponding to the cycling scenario is created based on the real-time weather information, and the cycling environment is displayed on the human-computer interaction interface.

6. The method according to claim 1, characterized in that, The process of continuously acquiring cycling data during the ride, and using this data to trigger marketing models, yields the following results: Set a marketing mode trigger value, respond to the cycling function, continuously acquire cycling data, determine whether the cycling data meets the marketing mode trigger value, and obtain the judgment result.

7. A smart bank marketing system based on a digital twin cycling product, characterized in that, The system is connected to the cycling equipment, and the system includes: The first display module is used to display several cycling scenarios on the human-computer interaction interface for the user to choose from; The second display module is used to display the cycling environment corresponding to the cycling scenario on the human-computer interaction interface in response to the selection operation of the cycling scenario. The first information processing module is used to continuously acquire cycling data during the cycling process, perform marketing mode trigger judgment on the cycling data, and obtain the judgment result; The marketing triggering module is used to determine whether the marketing mode is triggered based on the judgment result; The marketing scenario push module is used to retrieve multiple marketing scenarios in response to determining that the marketing mode has been triggered. The marketing scenarios include at least one of the following: new customer acquisition scenario, coupon distribution scenario, points reward scenario, and maintenance scenario; The user acquisition scenario is a marketing scenario in which a login prompt is pushed when the user is detected not to be logged in during and / or after the user finishes riding. The coupon distribution scenario refers to a marketing scenario in which, during and / or after a user's ride, if the user is not logged in or is logged in, marketing product coupons are pushed randomly at regular intervals based on the user's status or targeted based on the user's corresponding user characteristics. The points reward scenario is a marketing scenario in which points rewards are pushed based on the riding data when the user is detected to be logged in during and / or after the user finishes riding. The maintenance scenario is a marketing scenario in which, after a user finishes riding, the system detects that the user is in a logout state and pushes specific marketing information based on the user's corresponding user characteristic information. When it is determined that the user's status meets the marketing scenario, marketing information corresponding to the marketing scenario is displayed on the human-computer interaction interface.

8. A marketing system according to claim 7, characterized in that, The system also includes: The third display module is used to display several experience modes on the human-computer interaction interface for users to choose from; The second information processing module is used to respond to the selection operation of the experience mode and determine whether to obtain the first customer information, wherein the first customer information includes at least one type of customer information. The third information processing module is used to send the first customer information to the server in response to obtaining the first customer information, so as to trigger the server to send the second customer information generated based on the first customer information to the client, wherein the second customer information is the complete user feature information of the customer corresponding to the first customer information; An information receiving module is used to receive the second customer information and display the second customer information on the human-computer interaction interface.

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