Financial institution marketing management platform driven by real-time data

Abstract

The invention provides a real-time data-driven financial institution marketing management platform, and aims to improve the capabilities of a financial institution in customer group self-defined screening, customer precision marketing, business opportunity management, activity evaluation, quick business index creation and the like. The system integrates a client management module, a business opportunity management module, an activity management module, a label management module, an index management module and the like, supports user-defined screening of target customer groups, and supports user-defined configuration and automatic processing of index labels so as to realize timely acquisition, analysis and response of data. Through the platform, a financial institution can identify, screen and maintain high-value customers more effectively, a marketing strategy is optimized, and market competitiveness and business efficiency are improved.

Description

Technical Field

[0001] The present invention relates to the field of information technology, and in particular to a real-time data-driven marketing management platform for financial institutions. Background Art

[0002] In the context of the rapid development of the current financial market, financial institutions are facing increasingly fierce competition. However, existing technical means have obvious shortcomings in terms of accurate customer positioning, target customer screening, account-level customer data analysis, marketing activity effect evaluation, business opportunity tracking management, and rapid response to business indicators.

[0003] Specifically, when planning and executing marketing activities, financial institutions often fail to effectively identify and screen high-value customers or target customer groups from existing customer groups, which limits the efficiency and effectiveness of marketing strategies. In addition, due to the lack of data monitoring during the activity process, the evaluation of activity effects becomes complicated, making it difficult to adjust strategies and optimize marketing results in a timely manner. Furthermore, most existing customer relationship management systems are operated and managed at the customer level, while financial institutions' assessments are often based on account dimensions. This mismatch makes it difficult for institutions to obtain necessary account-level customer data analysis. At the same time, there are defects in the tracking and management of business opportunities, making it difficult for managers to clearly grasp the progress of business opportunities. When important business opportunities are lost, it is difficult to trace the reasons and take recovery measures. Rapid response to business indicators also faces challenges. Due to frequent changes in indicator calculation rules, the cycle from demand proposal to development and launch usually takes 1 to 2 months. This long and time-consuming process cannot meet the business's demand for rapid data updates. Data acquisition and timeliness issues should also not be ignored. Subsidiaries face many difficulties in obtaining their own data, especially for those data with timeliness requirements. If they cannot be obtained in time, their value will decrease rapidly. Superior agencies are unable to effectively view and manage the data of subordinate agencies, which not only limits the ability to monitor business data in real time, but also affects the ability to adapt to market changes and the flexibility of business strategies. Summary of the invention

[0004] In view of this, in order to solve the problems existing in the technical background, the present invention proposes an innovative solution, which aims to enhance the capabilities of financial institutions in customer accurate positioning, target customer accurate screening, account-level customer data analysis, real-time evaluation of activity effects, business opportunity tracking and management, and rapid response to business indicators through technological breakthroughs, thereby improving market competitiveness and business efficiency.

[0005] The specific technical solutions are as follows:

[0006] A real-time data-driven marketing management platform for financial institutions, including

[0007] 1. Customer management module: used to realize account-level allocation and management, custom screening and maintenance of target customer groups, support high-value customer mining, and support customer account-level data collection and analysis;

[0008] 1. Business opportunity management module: used to conduct digital full life cycle management of customers' business opportunity information, including business opportunity tracking process management and business opportunity data analysis;

[0009] 1. Activity management module: used to manage activities in the marketing process, support the screening and reaching of target customer groups, and the analysis of activity process and result data;

[0010] 1. Tag management module: used to flexibly configure customer tags, making customer management more personalized and flexible, supporting custom tag creation, maintenance, configuration and permission management, and supporting automatic tagging and manual tagging;

[0011] 1. Indicator management module: used for quick creation of indicators and indicator authority management, supports institutional users to customize the creation of basic, derived, and composite indicators and authorization management of indicators, and supports users to view the blood relationship between indicators;

[0012] 1. Dashboard management module: used for the creation and management of data dashboards, supporting institutional users to customize the configuration of display indicators, indicator analysis dimensions and display methods;

[0013] 1. Task management module: used for inputting and approving indicator tasks. Indicator tasks support users to customize task templates and import tasks, and support the superior organization to dynamically adjust the indicator tasks and weights of the subordinate organizations;

[0014] 1. Product management module: supports institutions at all levels to view information on products of various business types, including deposits, loans, financial management, insurance, and funds;

[0015] 1. Performance management module: supports organizations at all levels to customize the configuration of assessment indicators and assessment products, and supports the configuration of assessment coefficients, weights, pricing and other dimensions for indicators and products;

[0016] The specific steps for the customer module to implement customer account-level allocation management and account data integration analysis are as follows:

[0017] S11; The system automatically identifies the customer account using an account identification algorithm and obtains the institution to which the customer account belongs;

[0018] S12; The system automatically binds institutions based on the customer's account ownership, allowing customers to bind multiple institutions at the same time;

[0019] S13; automatically push the institution's bound customers to the institution, and the system automatically integrates the customer's account data within the institution;

[0020] S14: Determine whether the client of the institution is bound to the institution account manager. If not, proceed to the next step. If already bound, proceed to S16.

[0021] S15; Assign a dedicated account manager within the institution to the customer. Each customer is only allowed to be bound to one account manager in each institution;

[0022] S16; After the customer binds the account manager, the system automatically integrates the customer account data and pushes it to the account manager;

[0023] S17; The system automatically collects the transaction data of the institution’s customers, and provides reminders of large-amount account movements, transaction time points, and counterparty analysis;

[0024] S18; The system automatically collects the asset and liability data of the institution’s customers and conducts asset allocation analysis and asset change curve analysis;

[0025] S19; The system automatically collects the details of changes in the institution's customer indicators, and locates new and lost customers when indicators change;

[0026] The specific steps of the customer module to achieve customized screening of target customers and customer group management are as follows:

[0027] S21; The system automatically tags basic labels for customers, and supports customer managers to manually maintain labels;

[0028] S22; The user sets filtering conditions according to different marketing scenarios, including customer attributes, behavioral characteristics and other labels, and applies the filtering conditions to query the target customer group;

[0029] S23; The platform displays a list of customers who meet the criteria according to the screening criteria set by the user;

[0030] S24; The user identifies the behavior patterns and needs of the selected customer groups based on the data provided by the platform;

[0031] S25; Users formulate marketing strategies and management measures for this customer group.

[0032] Furthermore, the specific steps of the business opportunity module to achieve full life cycle management of business opportunities and business opportunity data analysis are as follows:

[0033] S31: The user defines the expiration time for the existing business opportunities. When the specified time comes, the platform automatically pushes the existing business opportunities that are about to expire;

[0034] S32: The user enters new potential business opportunity information in the business opportunity management module, including customer information, product information, expected transaction amount and time, etc.;

[0035] S33; The user updates the status of the opportunity based on the interaction and progress with the customer, and the system records each status change;

[0036] S34; When a business opportunity is converted into a deal, the matching and confirmation functions of the system are used to synchronize the information to the follow-up records;

[0037] S35; Users use the platform's business opportunity data analysis tools to analyze business opportunity data, including business opportunity loss reminders and detailed analysis, business opportunity loss warning analysis, business opportunity conversion rate analysis and business opportunity funnel analysis, to plan marketing tasks, adjust marketing strategies and identify marketing priorities.

[0038] Furthermore, the specific steps of the activity module to implement the screening and reaching of the activity target customer group, and the activity process and result data analysis are as follows:

[0039] S41; The user creates a new marketing campaign in the campaign management module and configures the campaign name, time, target customer group, related products and other information;

[0040] S42; in the associated customer module, users can use tag management and custom filtering functions to filter out target customer groups;

[0041] S43: According to the characteristics of the target customer group, select the appropriate contact channel, determine the contact time and content, and conduct user contact;

[0042] S44; Use activity analysis tools to monitor activity participation and progress in real time, collect customer feedback, and conduct activity effect data evaluation;

[0043] S45; Based on the data analysis results, users evaluate the effectiveness of activities and provide optimization suggestions for the planning and execution of subsequent activities.

[0044] Furthermore, the specific steps of the tag management module to implement tag creation and marking are:

[0045] S51: The user creates tags in the tag management module and sets the rules and conditions for automatic tag generation;

[0046] S52; The platform automatically scans the customer database according to the defined rules, identifies eligible customers, and automatically marks them;

[0047] S53: The user manually creates a tag and sets tag rules in the tag management module;

[0048] S54; the user authorizes the tag, and the authorized user can use the tag to mark the qualified customers;

[0049] S55; the user tags the customer and determines whether the user has authorization for the target tag. If so, the tag can be used for tagging. If not, return to S53 or S54 for re-creation or re-authorization.

[0050] Furthermore, the specific steps of the indicator management module to achieve rapid indicator creation, indicator authorization and indicator lineage generation are:

[0051] S61; The platform automatically imports or connects to the institution database, performs data cleaning and processing, generates wide tables, and provides basic data support for custom indicators;

[0052] S62: The user enters the indicator designer in the indicator management module and chooses to create a basic indicator;

[0053] S63; The user inputs the name, weight, selected aggregation product and indicator calculation formula of the basic indicator and other necessary information;

[0054] S64: After the basic indicator is created, the indicator display permission is configured, and the user with permission can query the basic indicator;

[0055] S65; the user enters the indicator designer in the indicator management module and chooses to create a derived indicator;

[0056] S66: Determine whether the indicator library contains the required basic indicators. If it contains the required basic indicators, proceed to the next step. Otherwise, return to S62;

[0057] S67; the user drags the required basic indicators into the canvas and configures the derivative indicator generation rules;

[0058] S68: After the creation of the derived indicator is completed, the system automatically generates a blood relationship diagram of the derived indicator, configures the indicator display authority, and the user with the authority can query the derived indicator data and blood relationship;

[0059] S69: The user enters the indicator designer in the indicator management module and chooses to create a composite indicator;

[0060] S610: Determine whether the indicator library contains the required basic indicators. If it contains the required basic indicators, proceed to the next step. Otherwise, return to S62;

[0061] S611; the user drags the required basic indicators into the canvas and configures the composite indicator generation rules;

[0062] S612: The user configures the display permission for the indicator. The user who has configured the indicator permission can query the detailed information of the indicator.

[0063] S613: After the composite indicator is created, the system automatically generates a blood relationship diagram for the composite indicator and configures the indicator display permissions. Users with permissions can query the composite indicator data and blood relationship.

[0064] Furthermore, the specific steps of the dashboard management module to realize user-defined configuration display indicators and quickly build a dashboard are:

[0065] S71; On the dashboard configuration page, the user selects the indicator to be displayed in the indicator library;

[0066] S72: Determine whether the indicator library contains the indicator to be displayed. If so, proceed to the next step. If not, return to S62 to create and authorize the indicator.

[0067] S73; On the dashboard configuration page, the user selects the indicator display method and the dashboard display position;

[0068] S74; After the dashboard is created, the user publishes the dashboard and configures the modules and pages displayed on the dashboard. After the configuration is completed, the user can access the dashboard page.

[0069] Furthermore, the specific steps of the task management module to implement user-defined task templates and import tasks are as follows:

[0070] S81: Determine whether the task indicator is created. If it is created, proceed to the next step. If it is not created, return to S62 to create the indicator.

[0071] S82; the user creates a new task template through the indicator task input interface;

[0072] S83; the user exports the created template and configures the task content;

[0073] S84; the user uploads the configured task template for approval;

[0074] S85; if approved, the task will take effect and agencies at all levels can view the tasks of their own agencies; if not approved, return to S72 and reconfigure the task.

[0075] Furthermore, the specific steps for the product management module to implement product information query for each business type are:

[0076] S91; The platform automatically updates the basic information of all products of the institution, and automatically collects and displays them by business type;

[0077] S92: The user enters a product keyword in the product module to view the required product information.

[0078] Furthermore, the specific steps for the performance management module to realize customized configuration of assessment indicators and products by institutions at all levels are as follows:

[0079] S101: Determine whether the assessment indicator is created. If it is created, proceed to the next step. If it is not created, return to S62 to create the indicator.

[0080] S102: In the custom assessment indicator configuration interface, the user configures the assessment indicators or products according to the characteristics of the organization, and configures the assessment weights and scoring standards;

[0081] S103; After the assessment indicators and templates are created, the system automatically collects and displays relevant performance data based on the configured assessment templates and rules.

[0082] The above technical solution has the following beneficial effects:

[0083] The present invention can more effectively identify and maintain high-value customers, monitor and evaluate the effectiveness of marketing activities in real time, track and manage business opportunities in a timely manner, quickly respond to changes in business indicators, and achieve efficient management and utilization of data to adapt to market changes and optimize business strategies. It can solve the problems of existing financial institutions in solving the difficulties of enterprise precision marketing and the lack of digital management of business opportunities, and effectively improve marketing and management efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0084] Figure 1 It is a structural diagram of a real-time data-driven marketing management platform for a financial institution in one embodiment of the present invention.

[0085] Figure 2 It is a customer account level allocation management and account data integration analysis flow chart of a real-time data-driven financial institution marketing management platform in one embodiment of the present invention.

[0086] Figure 3 It is a flow chart of target customer customization screening and customer group management of a real-time data-driven financial institution marketing management platform in one embodiment of the present invention.

[0087] Figure 4 It is a flowchart of business opportunity full life cycle management and business opportunity data analysis of a real-time data-driven financial institution marketing management platform in one embodiment of the present invention.

[0088] Figure 5 It is a flow chart of activity customer group screening and reaching, activity process and result data analysis of a real-time data-driven financial institution marketing management platform in one embodiment of the present invention.

[0089] Figure 6 It is a label creation and marking flow chart of a real-time data-driven financial institution marketing management platform in one embodiment of the present invention.

[0090] Figure 7 It is a flowchart of rapid creation of indicators, indicator authorization and indicator lineage generation of a real-time data-driven financial institution marketing management platform in one embodiment of the present invention.

[0091] Figure 8 The present invention discloses a user-defined configuration display indicator and a flow chart for quickly building a dashboard for a real-time data-driven financial institution marketing management platform in one embodiment of the present invention.

[0092] Fig. 9 It is a custom task template and import flow chart of a real-time data-driven marketing management platform for a financial institution in one embodiment of the present invention.

[0093] Fig.10 It is a flowchart of product information query of various business types of a real-time data-driven marketing management platform of a financial institution in one embodiment of the present invention.

[0094] Fig.11 It is a self-configured assessment indicator and product flow chart for institutions at all levels of a real-time data-driven financial institution marketing management platform in one embodiment of the present invention. DETAILED DESCRIPTION

[0095] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0096] See also Figure 1 A real-time data-driven marketing management platform for a financial institution is shown, comprising a marketing management platform software, characterized in that: the platform application software comprises:

[0097] Customer management module: used to implement account-level allocation and management, custom screening and maintenance of target customer groups, support high-value customer mining, and support customer account-level data collection and analysis;

[0098] Business opportunity management module: used to conduct digital full life cycle management of customers' business opportunity information, including business opportunity tracking process management and business opportunity data analysis;

[0099] Activity management module: used to manage activities in the marketing process, supporting the screening and reaching of target customer groups, and data analysis of activity processes and results; Tag management module: used to flexibly configure customer tags, making customer management more personalized and flexible, supporting custom tag creation, maintenance, configuration, and permission management, and supporting multiple methods of automatic tagging and manual tagging;

[0100] Indicator management module: used for quick creation of indicators and indicator authority management, supports institutional users to customize the creation of basic, derived, and composite indicators and authorization management of indicators, and supports users to view the blood relationship between indicators;

[0101] Dashboard management module: used for the creation and management of data dashboards, supporting institutional users to customize the configuration of display indicators, indicator analysis dimensions and display methods;

[0102] Task management module: used for inputting and approving indicator tasks. Indicator tasks support users to customize task templates and import tasks, and support the superior organization to dynamically adjust the indicator tasks and weights of the subordinate organizations;

[0103] Product management module: supports institutions at all levels to view information on products of various business types, including deposits, loans, wealth management, insurance, and funds; Performance management module: supports institutions at all levels to customize the configuration of assessment indicators and assessment products, and supports the configuration of assessment coefficients, weights, pricing, and other dimensions for indicators and products.

[0104] See also Figure 2As shown, the implementation process of the customer module to realize customer account-level allocation management and account data integration analysis is that the system first uses advanced account identification algorithms to automatically identify customer accounts to determine the institution to which the customer accounts belong. This step is the basis for ensuring the accuracy of customer data and the smooth progress of subsequent management processes. Subsequently, the system automatically binds the customer account to the corresponding institution based on the attribution relationship of the customer account. In this process, the system allows customers to establish binding relationships with multiple institutions to meet the business needs of customers between different institutions. After the customer account is successfully bound to the institution, the system will automatically push the customer information bound within the institution and integrate all account data of the customer within the institution to provide customers with a comprehensive account management view. Next, the system will determine whether the customer of the institution has been bound to an account manager. If not yet bound, the system will proceed to the next step to assign a dedicated account manager to the customer. Each customer is only allowed to bind one account manager in each institution to ensure the professionalism and focus of customer service. Once the customer is bound to the account manager, the system will automatically integrate all the data of the customer account and push it to the corresponding account manager so that the account manager can understand the status of the customer account in real time and provide personalized services. In addition, the system will automatically aggregate the transaction data of the institution's customers, conduct reminders for large-amount account movements, analysis of transaction time points, and analysis of counterparties, to help institutions promptly discover and respond to customer trading behaviors. The system will also automatically aggregate the asset and liability data of the institution's customers, conduct asset allocation analysis and asset change curve analysis, and provide institutions with in-depth insights into the status of customer assets, assisting investment advisors in formulating more appropriate asset allocation strategies. Finally, the system automatically aggregates the details of changes in the institution's customer indicators, monitors changes in indicators, and promptly locates new and lost customers, providing institutions with dynamic management of their customer base, helping institutions better understand market trends and customer needs. The specific steps of the function are:

[0105] S11; The system automatically identifies the customer account using an account identification algorithm and obtains the institution to which the customer account belongs;

[0106] S12; The system automatically binds institutions based on the customer's account ownership, allowing customers to bind multiple institutions at the same time;

[0107] S13; automatically push the institution's bound customers to the institution, and the system automatically integrates the customer's account data within the institution;

[0108] S14: Determine whether the client of the institution is bound to the institution account manager. If not, proceed to the next step. If already bound, proceed to S16.

[0109] S15; Assign a dedicated account manager within the institution to the customer. Each customer is only allowed to be bound to one account manager in each institution;

[0110] S16; After the customer binds the account manager, the system automatically integrates the customer account data and pushes it to the account manager;

[0111] S17; The system automatically collects the transaction data of the institution’s customers, and provides reminders of large-amount account movements, transaction time points, and counterparty analysis;

[0112] S18; The system automatically collects the asset and liability data of the institution’s customers and conducts asset allocation analysis and asset change curve analysis;

[0113] S19; The system automatically collects the details of changes in the institution's customer indicators, and locates new and lost customers when indicators change;

[0114] See also Figure 3 As shown, the customer module implements the process of custom screening of target customers and customer group management. First, the system will automatically mark basic labels for customers, providing a preliminary classification for subsequent customer analysis and management. At the same time, the system also supports account managers to manually maintain and update labels according to the specific characteristics and needs of customers to ensure the accuracy and timeliness of customer information. Subsequently, users set screening conditions according to different marketing scenarios. These conditions may include labels such as customer attributes and behavioral characteristics. Through these screening conditions, users can accurately query the target customer groups that meet specific marketing activities. This step enables users to quickly identify and access target customer groups, which facilitates further analysis and marketing strategy formulation. Users can conduct in-depth analysis of the screened customer groups based on the data provided by the platform to identify their behavioral patterns and needs. The specific steps of the functional instance are:

[0115] S21; The system automatically tags basic labels for customers, and supports customer managers to manually maintain labels;

[0116] S22; The user sets filtering conditions according to different marketing scenarios, including customer attributes, behavioral characteristics and other labels, and applies the filtering conditions to query the target customer group;

[0117] S23; The platform displays a list of customers who meet the criteria according to the screening criteria set by the user;

[0118] S24; The user identifies the behavior patterns and needs of the selected customer groups based on the data provided by the platform;

[0119] S25; Users formulate marketing strategies and management measures for this customer group.

[0120] See also Figure 4As shown, the business opportunity module realizes the full life cycle management and business opportunity data analysis of business opportunities. The system will automatically push the stock business opportunities that are about to expire when the specified time arrives according to the time set by the user, ensuring that the user can pay attention to and take corresponding marketing actions in time. In the business opportunity management module, users can enter new potential business opportunity information, including but not limited to customer details, product information, expected transaction amount and time, etc. The entry of this information provides basic data for the follow-up tracking and management of business opportunities. With the interaction with customers, users will update the status of business opportunities according to actual conditions, helping users to record and track the development process of business opportunities. When the business opportunity is successfully converted into a deal, the user can use the matching and confirmation functions of the system to synchronize the transaction information to the follow-up record. In addition, users can use the business opportunity data analysis tools provided by the platform to conduct a comprehensive analysis of business opportunity data, including reminders and detailed analysis of business opportunity loss, to help users identify business opportunities that may be lost and take preventive measures. At the same time, the system also provides business opportunity loss warning analysis, business opportunity conversion rate analysis, and business opportunity funnel analysis. These analysis tools help users plan marketing tasks, adjust marketing strategies, and identify marketing priorities. The specific steps of the functional example are:

[0121] S31: The user defines the expiration time for the existing business opportunities. When the specified time comes, the platform automatically pushes the existing business opportunities that are about to expire;

[0122] S32: The user enters new potential business opportunity information in the business opportunity management module, including customer information, product information, expected transaction amount and time, etc.;

[0123] S33; The user updates the status of the opportunity based on the interaction and progress with the customer, and the system records each status change;

[0124] S34; When a business opportunity is converted into a deal, the matching and confirmation functions of the system are used to synchronize the information to the follow-up records;

[0125] S35; Users use the platform's business opportunity data analysis tools to analyze business opportunity data, including business opportunity loss reminders and detailed analysis, business opportunity loss warning analysis, business opportunity conversion rate analysis and business opportunity funnel analysis, to plan marketing tasks, adjust marketing strategies and identify marketing priorities.

[0126] See also Figure 5 As shown, the specific steps of the activity module to achieve activity target customer group screening and reaching, activity process and result data analysis are as follows:

[0128] S41; The user creates a new marketing campaign in the campaign management module and configures the campaign name, time, target customer group, and related products

[0129] and other information;

[0130] S42; in the associated customer module, users can use tag management and custom filtering functions to filter out target customer groups;

[0131] S43: According to the characteristics of the target customer group, select the appropriate contact channel, determine the contact time and content, and conduct user contact;

[0132] S44; Use activity analysis tools to monitor activity participation and progress in real time, collect customer feedback, and conduct activity effect analysis

[0133] According to the assessment;

[0134] S45; Based on the data analysis results, users evaluate the effectiveness of activities and provide optimization suggestions for the planning and execution of subsequent activities.

[0135] See also Figure 6 As shown, the specific steps of the tag management module to implement tag creation and marking are:

[0136] S51: The user creates tags in the tag management module and sets the rules and conditions for automatic tag generation;

[0137] S52; The platform automatically scans the customer database according to the defined rules, identifies eligible customers, and automatically marks them;

[0138] S53: The user manually creates a tag and sets tag rules in the tag management module;

[0139] S54; the user authorizes the tag, and the authorized user can use the tag to mark the qualified customers;

[0140] S55; the user tags the customer and determines whether the user has authorization for the target tag. If so, the tag can be used for tagging. If not, return to S53 or S54 for re-creation or re-authorization.

[0141] See also Figure 7 As shown, the indicator management module realizes the rapid creation of indicators, indicator authorization and indicator lineage generation. The module supports the creation of three types of indicators: basic indicators, derived indicators and composite indicators. Among them, the creation of derived indicators and composite indicators is based on basic indicators. Before generating and creating, the corresponding basic indicators must be created first. The creation process supports the configuration of indicator composition products and coefficients. After the creation is completed, the indicator lineage is automatically generated to help users understand the source of the indicator. The specific steps of the function instance are:

[0142] S61; The platform automatically imports or connects to the institution database, performs data cleaning and processing, generates wide tables, and provides basic data support for custom indicators;

[0143] S62: The user enters the indicator designer in the indicator management module and chooses to create a basic indicator;

[0144] S63; The user inputs the name, weight, selected aggregation product and indicator calculation formula of the basic indicator and other necessary information;

[0145] S64: After the basic indicator is created, the indicator display permission is configured, and the user with permission can query the basic indicator;

[0146] S65; the user enters the indicator designer in the indicator management module and chooses to create a derived indicator;

[0147] S66: Determine whether the indicator library contains the required basic indicators. If it contains the required basic indicators, proceed to the next step. Otherwise, return to S62;

[0148] S67; the user drags the required basic indicators into the canvas and configures the derivative indicator generation rules;

[0149] S68: After the creation of the derived indicator is completed, the system automatically generates a blood relationship diagram of the derived indicator, configures the indicator display authority, and the user with the authority can query the derived indicator data and blood relationship;

[0150] S69: The user enters the indicator designer in the indicator management module and chooses to create a composite indicator;

[0151] S610: Determine whether the indicator library contains the required basic indicators. If it contains the required basic indicators, proceed to the next step. Otherwise, return to S62; S611: The user drags the required basic indicators into the canvas to configure the composite indicator generation rules;

[0152] S612: After the composite indicator is created, the system automatically generates a blood relationship diagram for the composite indicator and configures the indicator display permissions. Users with permissions can query the composite indicator data and blood relationship.

[0153] See also Figure 8 As shown, the specific steps of the dashboard management module to realize user-defined configuration display indicators and quickly build a dashboard are:

[0154] S71; On the dashboard configuration page, the user selects the indicator to be displayed in the indicator library;

[0155] S72: Determine whether the indicator library contains the indicator to be displayed. If so, proceed to the next step. If not, return to S62 to create and authorize the indicator.

[0156] S73; On the dashboard configuration page, the user selects the indicator display method and the dashboard display position;

[0157] S74; After the dashboard is created, the user publishes the dashboard and configures the modules and pages displayed on the dashboard. After the configuration is completed, the user can access the dashboard page.

[0158] See also Fig. 9 As shown, the specific steps of the task management module to implement user-defined task templates and import tasks are as follows:

[0159] S81: Determine whether the task indicator is created. If it is created, proceed to the next step. If it is not created, return to S62 to create the indicator.

[0160] S82; the user creates a new task template through the indicator task input interface;

[0161] S83; the user exports the created template and configures the task content;

[0162] S84; the user uploads the configured task template for approval;

[0163] S85: Determine if the approval is passed. If the task is effective, proceed to the next step. If the approval is not passed, return to S72 and reconfigure the task.

[0164] S86; Institutions at all levels can view the tasks of their own institutions and the task allocation is successful.

[0165] See also Fig.10 As shown, the specific steps for the product management module to implement product information query for each business type are:

[0166] S91; The platform automatically updates the basic information of all products of the institution, and automatically collects and displays them by business type;

[0167] S92: The user enters a product keyword in the product module;

[0168] S93; the platform returns the user search results.

[0169] See also Fig.11 As shown, the specific steps for the performance management module to realize customized configuration of assessment indicators and products for institutions at all levels are as follows:

[0170] S101: Determine whether the assessment indicator is created. If it is created, proceed to the next step. If it is not created, return to S62 to create the indicator.

[0171] S102: In the custom assessment indicator configuration interface, the user configures the assessment indicators or products according to the characteristics of the organization and configures the assessment weights.

[0172] and grading criteria;

[0173] S103; After the assessment indicators and templates are created, the system automatically collects and displays relevant performance data based on the configured assessment templates and rules.

[0174] The present invention improves the ability of financial institutions in terms of accurate customer positioning, accurate screening of target customer groups, account-level customer data analysis, real-time evaluation of activity results, business opportunity tracking management, and rapid response to business indicators, thereby improving market competitiveness and business efficiency. As a result, financial institutions will be able to more effectively identify and maintain high-value customers, monitor and evaluate the effectiveness of marketing activities in real time, and

[0175] Track and manage business opportunities in real time, respond quickly to changes in business indicators, and achieve efficient management and utilization of data to adapt to market changes and optimize business strategies.

[0176] The technical fields of the solution of the present invention cover accurate customer positioning and screening, account-level customer data analysis, real-time evaluation of marketing campaign effects, business opportunity tracking and management, business indicator rapid response mechanism, data acquisition and timeliness solutions, data management and real-time monitoring technology, and indicator tasks and weight dynamic adjustment technology. The comprehensive application of these technologies aims to provide financial institutions with a comprehensive and efficient solution to maximize customer value, real-time optimization of marketing strategies, effective management of business opportunities, agile response of business indicators, timely acquisition and accurate processing of data, as well as efficient management of subordinate institution data and dynamic adjustment of indicator tasks and weights, thereby enhancing the market competitiveness and business efficiency of financial institutions.

[0177] The basic principles and main features of the present invention are described above. Those skilled in the art should understand that the present invention is not limited to the above embodiments. The above embodiments and descriptions are only for illustrating the principles of the present invention. Without departing from the spirit and scope of the present invention, the present invention may have various changes and improvements, which shall fall within the scope of the present invention to be protected. The scope of protection of the invention shall be defined by the attached claims and their equivalents.

Claims

1. A real-time data-driven marketing management platform for financial institutions, characterized in that: include 1. Customer management module: used to realize account-level allocation and management, custom screening and maintenance of target customer groups, support high-value customer mining, and support customer account-level data collection and analysis; 1. Business opportunity management module: used to conduct digital full life cycle management of customers' business opportunity information, including business opportunity tracking process management and business opportunity data analysis; 1. Activity management module: used to manage activities in the marketing process, support the screening and reaching of target customer groups, and the analysis of activity process and result data; 1. Tag management module: used to flexibly configure customer tags, making customer management more personalized and flexible, supporting custom tag creation, maintenance, configuration and permission management, and supporting automatic tagging and manual tagging; 1. Indicator management module: used for quick creation of indicators and indicator authority management, supports institutional users to customize the creation of basic, derived, and composite indicators and authorization management of indicators, and supports users to view the blood relationship between indicators; 1. Dashboard management module: used for the creation and management of data dashboards, supporting institutional users to customize the configuration of display indicators, indicator analysis dimensions and display methods; 1. Task management module: used for inputting and approving indicator tasks. Indicator tasks support users to customize task templates and import tasks, and support the superior organization to dynamically adjust the indicator tasks and weights of the subordinate organizations; 1. Product management module: supports institutions at all levels to view information on products of various business types, including deposits, loans, financial management, insurance, and funds; 1. Performance management module: supports organizations at all levels to customize the configuration of assessment indicators and assessment products, and supports the configuration of assessment coefficients, weights, pricing and other dimensions for indicators and products; The specific steps for the customer module to implement customer account-level allocation management and account data integration analysis are as follows: S11; The system automatically identifies the customer account using an account identification algorithm and obtains the institution to which the customer account belongs; S12; The system automatically binds institutions based on the customer's account ownership, allowing customers to bind multiple institutions at the same time; S13; automatically push the institution's bound customers to the institution, and the system automatically integrates the customer's account data within the institution; S14: Determine whether the client of the institution is bound to the institution account manager. If not, proceed to the next step. If already bound, proceed to S16. S15; Assign a dedicated account manager within the institution to the customer. Each customer is only allowed to be bound to one account manager in each institution; S16; After the customer binds the account manager, the system automatically integrates the customer account data and pushes it to the account manager; S17; The system automatically collects the transaction data of the institution’s customers, and provides reminders of large-amount account movements, transaction time points, and counterparty analysis; S18; The system automatically collects the asset and liability data of the institution’s customers and conducts asset allocation analysis and asset change curve analysis; S19; The system automatically collects the details of changes in the institution's customer indicators, and locates new and lost customers when indicators change; The specific steps of the customer module to achieve customized screening of target customers and customer group management are as follows: S21; The system automatically tags basic labels for customers, and supports customer managers to manually maintain labels; S22; The user sets filtering conditions according to different marketing scenarios, including customer attributes, behavioral characteristics and other labels, and applies the filtering conditions to query the target customer group; S23; The platform displays a list of customers who meet the criteria according to the screening criteria set by the user; S24; The user identifies the behavior patterns and needs of the selected customer groups based on the data provided by the platform; S25; Users formulate marketing strategies and management measures for this customer group.

2. A real-time data-driven financial institution marketing management platform according to claim 1, characterized in that: The specific steps of the business opportunity module to achieve full life cycle management of business opportunities and business opportunity data analysis are as follows: S31; The user defines the expiration time for pushing existing business opportunities. When the specified time comes, the platform automatically pushes the existing business opportunities that are about to expire; S32: The user enters new potential business opportunity information in the business opportunity management module, including customer information, product information, expected transaction amount and time, etc.; S33; The user updates the status of the opportunity based on the interaction and progress with the customer, and the system records each status change; S34; When a business opportunity is converted into a deal, the matching and confirmation functions of the system are used to synchronize the information to the follow-up records; S35; Users use the platform's business opportunity data analysis tools to analyze business opportunity data, including business opportunity loss reminders and detailed analysis, business opportunity loss warning analysis, business opportunity conversion rate analysis and business opportunity funnel analysis, to plan marketing tasks, adjust marketing strategies and identify marketing priorities.

3. A real-time data-driven financial institution marketing management platform according to claim 1, characterized in that: The specific steps of the activity module to achieve the screening and reaching of the activity target customer group, and the activity process and result data analysis are as follows: S41; The user creates a new marketing campaign in the campaign management module and configures the campaign name, time, target customer group, related products and other information; S42； In the associated customer module, users can use tag management and custom filtering functions to filter out target customer groups; S43； According to the characteristics of the target customer group, select the appropriate contact channel, determine the contact time and content, and reach users; S44； Use activity analysis tools to monitor activity participation and progress in real time, collect customer feedback, and conduct activity effectiveness data evaluation; S45； Based on the data analysis results, users evaluate the effectiveness of activities and provide optimization suggestions for the planning and execution of subsequent activities.

4. A real-time data-driven financial institution marketing management platform according to claim 1, characterized in that: The specific steps of implementing tag creation and marking by the tag management module are as follows: S51: The user creates tags in the tag management module and sets the rules and conditions for automatic tag generation; S52; The platform automatically scans the customer database according to the defined rules, identifies eligible customers, and automatically marks them; S53； In the tag management module, users can manually create tags and set tag rules; S54; the user authorizes the tag, and the authorized user can use the tag to mark the qualified customers; S55； The user tags the customer to determine whether the user has authorization for the target tag. If so, the tag can be used for tagging. If not, return to S53 or S54 to recreate or reauthorize.

5. A real-time data-driven financial institution marketing management platform according to claim 1, characterized in that: The specific steps of the indicator management module to achieve rapid indicator creation, indicator authorization and indicator lineage generation are as follows: S61; The platform automatically imports or connects to the institution database, performs data cleaning and processing, generates wide tables, and provides basic data support for custom indicators; S62； In the indicator management module, the user enters the indicator designer and chooses to create a basic indicator; S63; The user inputs the name, weight, selected aggregation product and indicator calculation formula of the basic indicator and other necessary information; S64； After creating the basic indicator, configure the indicator display permission. Users with permission can query the basic indicator. S65； In the indicator management module, the user enters the indicator designer and chooses to create a derived indicator; S66； Determine whether the indicator library contains the required basic indicators. If so, proceed to the next step. Otherwise, return to S62. S67; the user drags the required basic indicators into the canvas and configures the derivative indicator generation rules; S68； After the derived indicator is created, the system automatically generates a lineage relationship diagram for the derived indicator and configures indicator display permissions. Users with permissions can query the derived indicator data and lineage. S69； In the indicator management module, the user enters the indicator designer and chooses to create a composite indicator; S610； Determine whether the indicator library contains the required basic indicators. If so, proceed to the next step. Otherwise, return to S62. S611; the user drags the required basic indicators into the canvas and configures the composite indicator generation rules; S612； The user configures the display permission for the indicator. The user who has configured the permission for the indicator can query the detailed information of the indicator. S613； After the composite indicator is created, the system automatically generates a blood relationship diagram for the composite indicator and configures the indicator display permissions. Users with permissions can query the composite indicator data and blood relationship.

6. A real-time data-driven financial institution marketing management platform according to claim 1, characterized in that: The specific steps of the dashboard management module to realize user-defined configuration display indicators and quickly build a dashboard are: S71; On the dashboard configuration page, the user selects the indicator to be displayed in the indicator library; S72: Determine whether the indicator library contains the indicator to be displayed. If so, proceed to the next step. If not, return to S62 to create and authorize the indicator. S73； On the dashboard configuration page, users select the indicator display method and dashboard display location; S74； After creating the dashboard, the user publishes the dashboard and configures the modules and pages displayed on the dashboard. After the configuration is complete, the user can access the dashboard page.

7. A real-time data-driven financial institution marketing management platform according to claim 1, characterized in that: The specific steps of the task management module to implement user-defined task templates and import tasks are as follows: S81: Determine whether the task indicator is created. If it is created, proceed to the next step. If it is not created, return to S62 to create the indicator. S82; the user creates a new task template through the indicator task input interface; S83； The user will create a template export and configure the task content; S84; the user uploads the configured task template for approval; S85; if approved, the task will take effect and agencies at all levels can view the tasks of their own agencies; if not approved, return to S72 and reconfigure the task.

8. A real-time data-driven financial institution marketing management platform according to claim 1, characterized in that: The specific steps for the product management module to implement product information query for each business type are: S91; The platform automatically updates the basic information of all products of the institution, and automatically collects and displays them by business type; S92: The user enters a product keyword in the product module to view the required product information.

9. A real-time data-driven financial institution marketing management platform according to claim 1, characterized in that: The specific steps for the performance management module to realize customized configuration of assessment indicators and products for institutions at all levels are as follows: S101: Determine whether the assessment indicator is created. If it is created, proceed to the next step. If it is not created, return to S62 to create the indicator. S102: In the custom assessment indicator configuration interface, the user configures the assessment indicators or products according to the characteristics of the organization, and configures the assessment weights and scoring standards; S103; After the assessment indicators and templates are created, the system automatically collects and displays relevant performance data based on the configured assessment templates and rules.

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