Credit card car purchase stage promotion service management system and method

Abstract

The invention relates to the technical field of financial services, in particular to a credit card car purchase staged promotion service management system and method. Comprising an automobile service platform, a verification module, a login module, a transaction processing module, an advertisement promotion module, a customer management module, a product display module and a staging scheme generation module, a worker interacts with a user through the automobile service platform to provide an automobile purchase service for the user, and the customer management module is utilized to manage information of all potential customers and existing customers, so that the product display module can display the information. The advertisement promotion module is used for advertising content in the automobile service platform, attracting attention of users and promoting product sales, the transaction processing module is used for receiving automobile purchase orders of clients, and the staging scheme generation module is used for automatically calculating and generating staging schemes most suitable for the clients according to credit rating, automobile purchase demands and market interest rates of the clients; according to the invention, clients can be managed conveniently, and the management efficiency and accuracy are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of financial services, and in particular to a credit card car purchase installment promotion service management system and method. Background Art

[0002] Credit cards refer to various media that can record cardholder account information, have bank credit limits and overdraft functions, and provide cardholders with relevant banking services. In order to improve the cardholders' repayment experience, banks provide cardholders with bill installment services.

[0003] At present, with the continuous expansion of the automobile consumer market, credit card car purchase installment payment is favored by more and more consumers as a convenient payment method.

[0004] However, the current management of car-buying customers is relatively traditional and complex, often relying on manual records and inquiries, which requires a lot of time and manpower. There are also problems with information omissions and errors, and the efficiency and accuracy of customer management are low. Summary of the invention

[0005] The purpose of the present invention is to provide a credit card car purchase installment promotion service management system and method, aiming to solve the technical problems that the existing management of car purchasing customers is relatively traditional and complicated, often relying on manual records and inquiries, requiring a lot of time and manpower, and there are also problems of information omissions and errors, and the efficiency and accuracy of customer management are low.

[0006] To achieve the above-mentioned purpose, the present invention adopts a credit card car purchase installment promotion service management system, which includes a car service platform, a verification module, a login module, a transaction processing module, an advertising promotion module, a customer management module, a product display module and an installment plan generation module, wherein the verification module, the transaction processing module, the advertising promotion module, the customer management module, the product display module and the installment plan generation module are all connected to the car service platform, and the login module is connected to the verification module;

[0007] The automobile service platform is used to interact with users and provide users with car purchasing services;

[0008] The login module is used by staff to log in to the automobile service platform;

[0009] The verification module is used to authenticate the identity of the staff when they log in to the automobile service platform;

[0010] The customer management module is used to manage the information of all potential customers and existing customers;

[0011] The advertising promotion module is used to advertise content in the automobile service platform to attract user attention and promote product sales;

[0012] The product display module is used to display the model information, price range and configuration details of the cooperating automobile brands to customers;

[0013] The transaction processing module is used to receive the customer's car purchase order, and conduct order review, confirmation and payment processing;

[0014] The installment plan generation module is used to automatically calculate and generate the most suitable installment plan for the customer based on the customer's credit rating, car purchase demand and market interest rate.

[0015] Wherein, the customer management module includes an information collection unit and a customer interaction unit, and both the information collection unit and the customer interaction unit are connected to the automobile service platform;

[0016] The information collection unit is used to collect basic information and credit records of potential customers to provide data support for subsequent services;

[0017] The customer interaction unit is used to maintain communication with customers and provide personalized car purchase consultation and services.

[0018] The transaction processing module includes an order receiving unit, a contract generating unit, a payment processing unit and an order review unit, and the order receiving unit, the contract generating unit, the payment processing unit and the order review unit are all connected to the automobile service platform;

[0019] The order receiving unit is used to receive customer orders;

[0020] The contract generation unit is used to automatically generate a car purchase installment contract;

[0021] The payment processing unit is used to connect with the banking system to complete fund transfer and settlement;

[0022] The order review unit is used to review customer orders, confirm and process payments.

[0023] The advertising promotion module includes an advertising creative design unit, an advertising delivery strategy unit and an advertising effect monitoring unit, and the advertising creative design unit, the advertising delivery strategy unit and the advertising effect monitoring unit are all connected to the automobile service platform;

[0024] The advertising creative design unit is used to design attractive advertising content;

[0025] The advertisement delivery strategy unit is used to formulate an advertisement delivery strategy;

[0026] The advertising effect monitoring unit is used to monitor key indicators such as the number of advertisement displays, click-through rate and conversion rate, and evaluate the advertising effect.

[0027] Wherein, the verification module includes an account verification unit and a face verification unit, and both the account verification unit and the face verification unit are connected to the login module;

[0028] The account verification unit is used by staff to log in to the automobile service platform to verify their account;

[0029] The face verification unit is used for staff to log into the automobile service platform for face verification.

[0030] The product display module includes a vehicle model display unit, an activity push unit and an interactive experience unit, and the vehicle model display unit, the activity push unit and the interactive experience unit are all connected to the automobile service platform;

[0031] The vehicle model display unit is used to display vehicle model pictures, configuration parameters and basic information of price range of the cooperating automobile brands;

[0032] The activity push unit is used to update and display car purchase preferential activity information in real time;

[0033] The interactive experience unit is used to provide users with virtual test drive and 3D all-round car viewing interactive functions.

[0034] The installment plan generation module includes a demand analysis unit, a plan calculation unit and a plan adjustment unit, and the demand analysis unit, the plan calculation unit and the plan adjustment unit are all connected to the automobile service platform;

[0035] The demand analysis unit is used to collect the customer's car purchase demand and budget information to provide a basis for the generation of the installment plan;

[0036] The solution calculation unit is used to automatically calculate and generate the optimal installment solution based on the customer's credit rating, car purchase demand and market interest rate;

[0037] The plan adjustment unit is used for customers to adjust the installment plan according to personal circumstances.

[0038] The present invention also provides a credit card car purchase installment promotion service management method, comprising the following steps:

[0039] Provide business training for marketing staff to learn the latest credit card car purchase installment policies and market trends to improve their professional quality;

[0040] Establish cooperative relationships with car dealers, obtain the latest car model information, and regularly update the car model information on the APP to ensure the timeliness and accuracy of the information;

[0041] Use big data and artificial intelligence technologies to analyze user behavior data and identify users' car purchase preferences and installment needs;

[0042] Determine the installment plan based on the user's car purchase preferences and installment needs;

[0043] Enter the installment plan into the system and associate it with the corresponding vehicle model;

[0044] Submit the application for car purchase installment and the system will automatically generate an order;

[0045] Review the order;

[0046] After the review is passed, jump to the payment stage to complete the payment.

[0047] The present invention provides a credit card car purchase installment promotion service management system and method, wherein the car service platform interacts with users to provide car purchase services to users, staff log in to the car service platform through the login module, the verification module authenticates the staff when they log in to the car service platform, the customer management module is used to manage the information of all potential and existing customers, the advertising promotion module contains advertising content in the car service platform to attract user attention and promote product sales, the product display module displays the model information, price range and configuration details of the cooperating car brands to customers, the transaction processing module is used to receive the customer's car purchase order, and the order is reviewed, confirmed and paid. The installment plan generation module automatically calculates and generates the most suitable installment plan for the customer based on the customer's credit rating, car purchase demand and market interest rate. Through the above method, it is achieved that it is easy to manage customers and improve management efficiency and accuracy. BRIEF DESCRIPTION OF THE DRAWINGS

[0048] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0049] Figure 1 It is a schematic diagram of the principle of the credit card car purchase installment promotion service management system of the present invention.

[0050] Figure 2 It is a flow chart of the steps of the credit card car purchase installment promotion service management system of the present invention.

[0051] 101-automotive service platform, 102-login module, 103-information collection unit, 104-customer interaction unit, 105-order receiving unit, 106-contract generation unit, 107-payment processing unit, 108-order review unit, 109-advertising creative design unit, 110-advertising delivery strategy unit, 111-face verification unit, 112-advertising effect monitoring unit, 113-credit assessment unit, 114-fraud detection unit, 115-risk warning unit, 116-demand analysis unit, 117-solution calculation unit, 118-solution adjustment unit, 119-vehicle display unit, 120-activity push unit, 121-interactive experience unit, 122-customer service unit, 123-repayment reminder unit, 124-expected collection unit, 125-account verification unit. DETAILED DESCRIPTION

[0052] Embodiments of the present invention are described in detail below, examples of which are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are intended to be used to explain the present invention, and should not be construed as limiting the present invention.

[0053] See also Figure 1 and Figure 2 The present invention provides a credit card car purchase installment promotion service management system, comprising a car service platform 101, a verification module, a login module 102, a transaction processing module, an advertising promotion module, a customer management module, a product display module and an installment plan generation module, wherein the verification module, the transaction processing module, the advertising promotion module, the customer management module, the product display module and the installment plan generation module are all connected to the car service platform 101, and the login module 102 is connected to the verification module;

[0054] The automobile service platform 101 is used to interact with users and provide users with car purchase services;

[0055] The login module 102 is used by staff to log in to the automobile service platform 101;

[0056] The verification module is used to authenticate the identity of the staff when they log in to the automobile service platform 101;

[0057] The customer management module is used to manage the information of all potential customers and existing customers;

[0058] The advertising promotion module is used to advertise content in the automobile service platform 101 to attract user attention and promote product sales;

[0059] The product display module is used to display the model information, price range and configuration details of the cooperating automobile brands to customers;

[0060] The transaction processing module is used to receive the customer's car purchase order, and conduct order review, confirmation and payment processing;

[0061] The installment plan generation module is used to automatically calculate and generate the most suitable installment plan for the customer based on the customer's credit rating, car purchase demand and market interest rate.

[0062] In this embodiment, the automobile service platform 101 interacts with users to provide users with car purchase services. The staff logs in to the automobile service platform 101 through the login module 102. The verification module authenticates the staff when they log in to the automobile service platform 101. The customer management module is used to manage the information of all potential and existing customers. The advertising promotion module contains advertising content in the automobile service platform 101 to attract user attention and promote product sales. The product display module displays the model information, price range and configuration details of the cooperating automobile brands to customers. The transaction processing module is used to receive the customer's car purchase order, conduct order review, confirmation and payment processing, and the installment plan generation module automatically calculates and generates the most suitable installment plan for the customer based on the customer's credit rating, car purchase needs and market interest rate. In the above manner, it is possible to facilitate customer management and improve management efficiency and accuracy.

[0063] Further, the customer management module includes an information collection unit 103 and a customer interaction unit 104, and both the information collection unit 103 and the customer interaction unit 104 are connected to the automobile service platform 101;

[0064] The information collection unit 103 is used to collect basic information and credit records of potential customers to provide data support for subsequent services;

[0065] The customer interaction unit 104 is used to maintain communication with customers and provide personalized car purchase consultation and services.

[0066] In this embodiment, the information collection unit 103 is used to collect basic information and credit records of potential customers to provide data support for subsequent services. The staff communicates with the customers through the customer interaction unit 104 to provide personalized car purchase consultation and services.

[0067] Further, the transaction processing module includes an order receiving unit 105, a contract generating unit 106, a payment processing unit 107 and an order review unit 108, and the order receiving unit 105, the contract generating unit 106, the payment processing unit 107 and the order review unit 108 are all connected to the automobile service platform 101;

[0068] The order receiving unit 105 is used to receive customer orders;

[0069] The contract generation unit 106 is used to automatically generate a car purchase installment contract;

[0070] The payment processing unit 107 is used to connect with the banking system to complete fund transfer and settlement;

[0071] The order review unit 108 is used to review customer orders, confirm and process payments.

[0072] In this embodiment, the customer order is received by the order receiving unit 105, the contract generating unit 106 automatically generates a car purchase installment contract, the payment processing unit 107 is used to connect with the bank system to complete the fund transfer and settlement, and the order review unit 108 reviews the customer order and confirms and processes the payment.

[0073] Further, the advertising promotion module includes an advertising creative design unit 109, an advertising delivery strategy unit 110 and an advertising effect monitoring unit 112, and the advertising creative design unit 109, the advertising delivery strategy unit 110 and the advertising effect monitoring unit 112 are all connected to the automobile service platform 101;

[0074] The advertising creative design unit 109 is used to design attractive advertising content;

[0075] The advertisement delivery strategy unit 110 is used to formulate an advertisement delivery strategy;

[0076] The advertising effect monitoring unit 112 is used to monitor key indicators such as the number of advertisement displays, click-through rate, and conversion rate, and evaluate the advertising effect.

[0077] In this embodiment, the advertising creative design unit 109 designs attractive advertising content, the advertising delivery strategy unit 110 formulates an advertising delivery strategy, and the advertising effect monitoring unit 112 monitors key indicators such as the number of advertising displays, click-through rate, and conversion rate to evaluate advertising effects.

[0078] Further, the verification module includes an account verification unit 125 and a face verification unit 111, and both the account verification unit 125 and the face verification unit 111 are connected to the login module 102;

[0079] The account verification unit 125 is used by staff to log in to the automobile service platform 101 to verify their account;

[0080] The face verification unit 111 is used for staff to log in to the automobile service platform 101 to perform face verification.

[0081] In this embodiment, the staff logs into the automobile service platform 101 through the account verification unit 125 and the face verification unit 111 .

[0082] Further, the product display module includes a vehicle model display unit 119, an activity push unit 120 and an interactive experience unit 121, and the vehicle model display unit 119, the activity push unit 120 and the interactive experience unit 121 are all connected to the automobile service platform 101;

[0083] The vehicle model display unit 119 is used to display vehicle model pictures, configuration parameters and basic information of price range of the cooperating automobile brands;

[0084] The activity push unit 120 is used to update and display car purchase preferential activity information in real time;

[0085] The interactive experience unit 121 is used to provide users with virtual test drive and 3D all-round car viewing interactive functions.

[0086] In this embodiment, the vehicle model display unit 119 is used to display the vehicle model pictures, configuration parameters and basic information of the price range of the cooperating automobile brands, and the car purchase discount information is updated and displayed in real time through the activity push unit 120. The interactive experience unit 121 provides users with virtual test drives and 3D all-round car viewing interactive functions.

[0087] Furthermore, the installment plan generation module includes a demand analysis unit 116, a plan calculation unit 117 and a plan adjustment unit 118, and the demand analysis unit 116, the plan calculation unit 117 and the plan adjustment unit 118 are all connected to the automobile service platform 101;

[0088] The demand analysis unit 116 is used to collect the customer's car purchase demand and budget information to provide a basis for the generation of the installment plan;

[0089] The solution calculation unit 117 is used to automatically calculate and generate the optimal installment solution according to the customer's credit rating, car purchase demand and market interest rate;

[0090] The plan adjustment unit 118 is used for the customer to adjust the installment plan according to personal circumstances.

[0091] In this embodiment, the demand analysis unit 116 collects the customer's car purchase needs and budget information to provide a basis for generating an installment plan. The plan calculation unit 117 automatically calculates and generates the optimal installment plan based on the customer's credit rating, car purchase needs and market interest rate. The staff adjusts the installment plan for the customer based on the customer's personal situation through the plan adjustment unit 118.

[0092] Furthermore, the credit card car purchase installment promotion service management system also includes an after-sales service module, which includes a customer service unit 122, a repayment reminder unit 123 and an expected collection unit 124, and the customer service unit 122, the repayment reminder unit 123 and the expected collection unit 124 are all connected to the automobile service platform 101;

[0093] The customer service unit 122 is used to provide multiple customer service channels such as telephone and online customer service, answer customer questions, and handle customer complaints;

[0094] The repayment reminder unit 123 is used to send repayment reminders to customers regularly to reduce the risk of overdue payments by customers;

[0095] The expected collection unit 124 is used to collect overdue payments from customers to ensure the return of funds.

[0096] In this embodiment, the customer service unit 122 provides customers with multiple customer service channels such as telephone and online customer service to answer customer questions and handle customer complaints. The repayment reminder unit 123 regularly sends repayment reminders to customers to reduce customer overdue risks. The expected collection unit 124 collects overdue customers to ensure the recovery of funds.

[0097] Furthermore, the credit card car purchase installment promotion service management system also includes a risk assessment module, which includes a credit assessment unit 113, a fraud detection unit 114 and a risk warning unit 115, and the credit assessment unit 113, the fraud detection unit 114 and the risk warning unit 115 are all connected to the car service platform 101;

[0098] The credit assessment unit 113 is used to quantitatively assess the credit risk of the customer;

[0099] The fraud detection unit 114 is used to identify potential fraudulent behavior and ensure transaction security;

[0100] The risk warning unit 115 is used to monitor the customer repayment status in real time and issue warnings to customers who may be overdue.

[0101] In this embodiment, the credit assessment unit 113 performs a quantitative assessment of the customer's credit risk. The fraud detection unit 114 identifies the customer's potential fraudulent behavior through big data technology to ensure transaction security. The risk warning unit 115 monitors the customer's repayment status in real time and issues warnings to customers who may be overdue.

[0102] The present invention also provides a credit card car purchase installment promotion service management method, comprising the following steps:

[0103] S1: Provide business training for marketing personnel to learn the latest credit card car purchase installment policies and market trends to improve their professional quality;

[0104] S2: Establish cooperative relationships with car dealers, obtain the latest car model information, and regularly update the car model information on the APP to ensure the timeliness and accuracy of the information;

[0105] S3: Use big data and artificial intelligence technologies to analyze user behavior data and identify users’ car purchase preferences and installment needs;

[0106] S4: Determine the installment plan based on the user's car purchase preference and installment demand;

[0107] S5: Enter the installment plan into the system and associate it with the corresponding vehicle model;

[0108] S6: Submit the car purchase installment application, and the system automatically generates an order;

[0109] S7: Review the order;

[0110] S8: After the review is passed, jump to the payment stage and complete the payment.

[0111] In this implementation, first, business training is provided to marketing personnel to learn the latest credit card car purchase installment policies and market trends to improve their professional quality. At the same time, cooperative relationships are established with car dealers to obtain the latest car model information, and the car model information on the APP is regularly updated to ensure the timeliness and accuracy of the information. Big data and artificial intelligence technologies are used to analyze user behavior data to identify users' car purchase preferences and installment needs. Then, based on users' car purchase preferences and installment needs, installment plans are determined, entered into the system, and associated with corresponding car models. After submitting a car purchase installment application, the system automatically generates an order, and then reviews the order. After the review is passed, the system jumps to the payment link to complete the payment.

[0112] What is disclosed above is only a preferred embodiment of the present invention, and it certainly cannot be used to limit the scope of rights of the present invention. Ordinary technicians in this field can understand that all or part of the processes of the above embodiment and equivalent changes made according to the claims of the present invention still fall within the scope of the invention.

Claims

1. A credit card car purchase installment promotion service management system, characterized in that: It includes an automobile service platform, a verification module, a login module, a transaction processing module, an advertising promotion module, a customer management module, a product display module and an installment plan generation module, wherein the verification module, the transaction processing module, the advertising promotion module, the customer management module, the product display module and the installment plan generation module are all connected to the automobile service platform, and the login module is connected to the verification module; The automobile service platform is used to interact with users and provide users with car purchasing services; The login module is used by staff to log in to the automobile service platform; The verification module is used to authenticate the identity of the staff when they log in to the automobile service platform; The customer management module is used to manage the information of all potential customers and existing customers; The advertising promotion module is used to advertise content in the automobile service platform to attract user attention and promote product sales; The product display module is used to display the model information, price range and configuration details of the cooperating automobile brands to customers; The transaction processing module is used to receive the customer's car purchase order, and conduct order review, confirmation and payment processing; The installment plan generation module is used to automatically calculate and generate the most suitable installment plan for the customer based on the customer's credit rating, car purchase demand and market interest rate.

2. The credit card car purchase installment promotion service management system as claimed in claim 1, characterized in that: The customer management module includes an information collection unit and a customer interaction unit, and both the information collection unit and the customer interaction unit are connected to the automobile service platform; The information collection unit is used to collect basic information and credit records of potential customers to provide data support for subsequent services; The customer interaction unit is used to maintain communication with customers and provide personalized car purchase consultation and services.

3. The credit card car purchase installment promotion service management system as claimed in claim 1, characterized in that: The transaction processing module includes an order receiving unit, a contract generating unit, a payment processing unit and an order review unit, and the order receiving unit, the contract generating unit, the payment processing unit and the order review unit are all connected to the automobile service platform; The order receiving unit is used to receive customer orders; The contract generation unit is used to automatically generate a car purchase installment contract; The payment processing unit is used to connect with the banking system to complete fund transfer and settlement; The order review unit is used to review customer orders, confirm and process payments.

4. The credit card car purchase installment promotion service management system as claimed in claim 1, characterized in that: The advertising promotion module includes an advertising creative design unit, an advertising delivery strategy unit and an advertising effect monitoring unit, and the advertising creative design unit, the advertising delivery strategy unit and the advertising effect monitoring unit are all connected to the automobile service platform; The advertising creative design unit is used to design attractive advertising content; The advertisement delivery strategy unit is used to formulate an advertisement delivery strategy; The advertising effect monitoring unit is used to monitor key indicators such as the number of advertisement displays, click-through rate and conversion rate, and evaluate the advertising effect.

5. The credit card car purchase installment promotion service management system as claimed in claim 1, characterized in that: The verification module includes an account verification unit and a face verification unit, and both the account verification unit and the face verification unit are connected to the login module; The account verification unit is used by staff to log in to the automobile service platform to verify their account; The face verification unit is used for staff to log into the automobile service platform for face verification.

6. The credit card car purchase installment promotion service management system as claimed in claim 1, characterized in that: The product display module includes a vehicle model display unit, an activity push unit and an interactive experience unit, and the vehicle model display unit, the activity push unit and the interactive experience unit are all connected to the automobile service platform; The vehicle model display unit is used to display vehicle model pictures, configuration parameters and basic information of price range of the cooperating automobile brands; The activity push unit is used to update and display car purchase preferential activity information in real time; The interactive experience unit is used to provide users with virtual test drive and 3D all-round car viewing interactive functions.

7. The credit card car purchase installment promotion service management system as claimed in claim 1, characterized in that: The installment plan generation module includes a demand analysis unit, a plan calculation unit and a plan adjustment unit, and the demand analysis unit, the plan calculation unit and the plan adjustment unit are all connected to the automobile service platform; The demand analysis unit is used to collect the customer's car purchase demand and budget information to provide a basis for the generation of the installment plan; The solution calculation unit is used to automatically calculate and generate the optimal installment solution according to the customer's credit rating, car purchase demand and market interest rate; The plan adjustment unit is used for customers to adjust the installment plan according to personal circumstances.

8. A credit card car purchase installment promotion service management method, applied to the credit card car purchase installment promotion service management system as claimed in claim 1, characterized in that: The steps include: Provide business training for marketing staff to learn the latest credit card car purchase installment policies and market trends to improve their professional quality; Establish cooperative relationships with car dealers, obtain the latest car model information, and regularly update the car model information on the APP to ensure the timeliness and accuracy of the information; Use big data and artificial intelligence technologies to analyze user behavior data and identify users' car purchase preferences and installment needs; Determine the installment plan based on the user's car purchase preferences and installment needs; Enter the installment plan into the system and associate it with the corresponding vehicle model; Submit the application for car purchase installment and the system will automatically generate an order; Review the order; After the review is passed, jump to the payment stage to complete the payment.

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