Open bank platform for channel provider

Abstract

The invention relates to the technical field of financial science and technology, and discloses a channel-oriented open bank platform, which comprises a channel access module used for a target channel to access a bank system; the channel management module is used for distributing cooperation levels and access permissions to different data of the bank system to the target channel provider according to the business service information of the target channel provider; the financial service module is used for integrating various financial products and providing corresponding financial products and financial services according to the historical data of the target channel provider; the terminal fusion module is used for installing the open bank platform to different terminals; and the platform optimization module is used for collecting feedback information of each channel provider and optimizing the open bank platform according to the feedback information. Personalized products and services are provided for the channel vendors by accessing the channel vendors into the bank system, so that data intercommunication and business linkage between banks and the channel vendors are realized, co-construction and sharing of financial ecology are promoted, and the service efficiency and the service quality of the banks are improved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to an open banking platform for channel merchants. Background Art

[0002] With the continuous development of the financial industry and the advancement of digital transformation, open banking has become an important development trend in the banking industry. However, traditional open banking platforms have the following problems:

[0003] (1) Single channel provider: Traditional banking services are mainly provided through physical branches and online banking, which cannot meet users' needs for obtaining financial services anytime and anywhere;

[0004] (2) Limited coverage: The coverage of traditional banking services is limited by the distribution of bank branches and the popularity of online banking, and cannot cover all user groups;

[0005] (3) Unable to meet users’ diversified financial service needs: Traditional banking services provide relatively limited financial products and services and are unable to meet users’ personalized and diversified financial service needs;

[0006] (4) Increased service demands from channel partners: Traditional banks often provide single, one-way, offline services to channel partners, which are inefficient, inaccurate, and unable to guarantee service quality. Summary of the invention

[0007] In view of this, the present invention provides an open banking platform for channel merchants to solve the problems of low service efficiency and unguaranteed service quality of traditional open banking platforms.

[0008] In a first aspect, the present invention provides an open banking platform for channel merchants, the platform comprising:

[0009] Channel access module, used for target channel dealers to access the banking system;

[0010] The channel management module is used to assign cooperation levels and access rights to different data in the banking system to target channel vendors based on their business service information;

[0011] The financial service module is used to integrate various financial products and provide corresponding financial products and financial services based on the historical data of target channel merchants;

[0012] Terminal integration module, used to install the open banking platform on different terminals and synchronize relevant data of each terminal;

[0013] The platform optimization module is used to collect feedback from various channel partners and optimize the open banking platform based on the feedback information.

[0014] The open banking platform for channel merchants provided by the present invention provides personalized products and services to channel merchants by connecting them to the banking system, and manages the channel merchants, so that the bank and each channel merchant can achieve data interoperability and business linkage, promote the co-construction and sharing of the financial ecology, and improve the service efficiency and service quality of the bank by continuously optimizing the open banking platform.

[0015] In an optional implementation, the channel access module includes:

[0016] The interface standardization unit is used to provide the channel interface document of the banking system, and connect the financial system of the target channel merchant with the banking system through the channel interface according to the channel interface document.

[0017] The open banking platform for channel merchants provided by the present invention ensures that channel merchants can quickly understand and use the channel interface of the banking system by creating standard channel interface documents, quickly connect their own financial systems with the banking system, and improve the access efficiency of target channel merchants.

[0018] In an optional implementation, the channel access module further includes:

[0019] The registration review module is used to receive the access request and qualification documents of the target channel dealer and review the qualification documents. If the review is passed, the target channel dealer will be connected to the bank system.

[0020] The open banking platform for channel merchants provided by the present invention adds a registration and review module for channel merchants in the banking system, so that channel merchants can register their own account passwords in the banking system and log in to the banking system. Channel merchants who do not have their own financial systems can quickly access the banking system, view banking products and conduct business processing.

[0021] In an optional implementation, the channel management module includes:

[0022] Channel review unit, used to obtain application materials from target channel vendors, and conduct qualification review, credit assessment, and business model analysis on target channel vendors based on the application materials;

[0023] The level and authority management unit is used to configure different levels, data access rights, service scopes, and preferential policies for target channel partners according to the audit results of the channel partner audit unit on the target channel partners;

[0024] The performance evaluation unit is used to obtain the business data completed by the target channel partners and evaluate the target channel partners based on the completed business data;

[0025] The level updating unit is used to update the level and authority of the target channel partner according to the evaluation result of the target channel partner.

[0026] The open banking platform for channel merchants provided by the present invention grants different levels of authority to different channel merchants, which is convenient for providing different products and services to different channel merchants. Each channel merchant is evaluated through a performance evaluation unit, which is convenient for grasping the detailed status of each channel to promote the conduct of business, fine-tune the management of channel merchants, and enhance the satisfaction and business conversion rate of channel merchants.

[0027] In an optional implementation, the level and authority management unit includes:

[0028] The channel QR code management subunit is used to create and view the marketing QR codes of channel dealers at all levels. The marketing QR codes include the level information and authority information of channel dealers at all levels.

[0029] The personnel management subunit is used by the target business personnel of the target channel partners to create, view and modify their corresponding subordinate channel partners and corresponding business information.

[0030] The present invention provides an open banking platform for channel merchants. The level and authority of each channel merchant are marked by a marketing QR code. Subordinate channels are created by scanning the QR code of the superior channel. Personnel of different levels have different authorities, and the level distinction is convenient, which encourages more channel merchants to join the open banking platform and expand the bank's business scope and market influence.

[0031] In an optional implementation, the financial service module includes:

[0032] The business customization unit is used to analyze the product trends of target channel merchants based on their historical data and provide products or services to them based on their product trends.

[0033] Business application unit, used to obtain business applications from target channel partners;

[0034] Risk assessment unit, used to conduct real-time risk assessment of business applications;

[0035] Approval decision unit, used to approve business applications based on real-time risk assessment results;

[0036] The progress query unit is used to query the real-time progress and status of the business application unit.

[0037] The present invention provides an open banking platform for channel merchants, and all financial service products can be added to the open banking platform. The entire process of the bank's existing business is completed on the open banking platform, which improves the processing efficiency of banking business, provides customized services for various channel merchants, accurately matches the needs of various channel merchants, and improves satisfaction and user experience.

[0038] In an optional implementation, the service application unit includes:

[0039] Application filling subunit, used to fill in the business application form online;

[0040] The material upload subunit is used to upload material files related to business application;

[0041] The material verification subunit is used to conduct real-time verification of business application forms and material documents.

[0042] The open banking platform for channel merchants provided by the present invention completes the entire process of business application completely online, without the need to go to offline bank branches, thus saving business application time, improving business application efficiency, and accelerating the conversion rate of channel merchants to banking business.

[0043] In an optional implementation, the approval decision unit includes:

[0044] Automatic approval subunit, used to automatically approve based on risk assessment results;

[0045] The manual intervention sub-unit is used for the approval personnel to manually intervene in and adjust the approval results of business applications;

[0046] The approval result notification subunit is used to notify the target channel dealer of the approval result in real time.

[0047] The open banking platform for channel merchants provided by the present invention can automatically approve conventional applications, and provide functions of manual intervention and adjustment of approval results for complex and special applications. The business approval process is more flexible, ensuring approval efficiency while improving the accuracy of business approval.

[0048] In an optional implementation, the terminal fusion module includes:

[0049] Responsive design unit, used to adopt responsive design of open banking platform, so that the open banking platform can provide financial services on different terminals;

[0050] A data synchronization unit is used to establish a real-time data synchronization mechanism to synchronize data between terminals in real time;

[0051] The cross-terminal payment unit is used to provide payment functions of different payment methods on different terminals.

[0052] In an optional implementation, the terminal includes: a mobile phone, a tablet, and a computer.

[0053] The open banking platform for channel merchants provided by the present invention can provide channel merchants with a good user experience on different terminals, and for the accounts of the same channel merchant, the data is synchronized in real time on each terminal, ensuring the data consistency and coherence of the same account between multiple terminals, making the channel merchants more flexible and convenient to use the platform. BRIEF DESCRIPTION OF THE DRAWINGS

[0054] In order to more clearly illustrate the specific implementation methods of the present invention or the technical solutions in the prior art, the drawings required for use in the specific implementation methods or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some implementation methods of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0055] Figure 1 is a schematic diagram of the structure of an open banking platform for channel merchants according to an embodiment of the present invention;

[0056] Figure 2 is a schematic diagram of the structure of another open banking platform for channel merchants according to an embodiment of the present invention;

[0057] Figure 3 is a schematic diagram of setting a marketing QR code in an open banking platform for channel merchants according to an embodiment of the present invention;

[0058] Figure 4 It is a statistical diagram of channel ranking index and number of incoming applications in a performance dashboard in an open banking platform for channel dealers according to an embodiment of the present invention. DETAILED DESCRIPTION

[0059] In order to make the purpose, technical solution and advantages of the embodiments of the present invention clearer, the technical solution in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are 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 those skilled in the art without creative work are within the scope of protection of the present invention.

[0060] The embodiment of the present invention provides an open banking platform for channel merchants, which provides personalized products and services to channel merchants by connecting them to a banking system, and manages the channel merchants to achieve the effect of improving banking service efficiency and service quality.

[0061] According to an embodiment of the present invention, an open banking platform for channel merchants is provided in this embodiment. Figure 1 As shown, the platform includes:

[0062] Channel access module 1 is used for target channel dealers to access the banking system.

[0063] Specifically, the open banking platform can be connected with multiple external channels to achieve data sharing and business collaboration, support third-party partners to access, and expand business scope and service capabilities. The constructed open banking platform integrates the bank's core system, application programming interface (API), channel providers, etc., and can enable data intercommunication and business linkage between the bank system and the channel provider's own financial system through the opening of the API interface.

[0064] The channel management module 2 is used to allocate cooperation levels and access rights to different data in the banking system to the target channel merchants according to their business service information.

[0065] Specifically, the bank's business personnel, as the administrator of the channel dealer, have an administrator account to manage multiple channel dealers belonging to them. The channel dealers directly managed by the bank's business personnel are first-level channel dealers, who can develop their own second-level channel dealers and manage them. Similarly, second-level channel dealers can develop their own third-level channel dealers and manage them. Business personnel of channel dealers at all levels can let subordinate channel dealers scan their own QR codes to achieve business development. The bank's business personnel can view and manage the channel dealers at all levels and their business conditions under their own accounts through the channel management module 2. The business personnel of channel dealers at all levels can view and manage the subordinate channel dealers and their businesses under their own accounts. This is only an example, but not limited to this.

[0066] The financial service module 3 is used to integrate various financial products and provide corresponding financial products and financial services based on the historical data of the target channel merchants.

[0067] Specifically, the financial service module 3 integrates the bank's financial products online, provides financial services online, and provides financial products that better meet the needs of the target channel merchants based on the historical data or qualifications and credit review results of the target channel merchants. For example, for loan services, if the target channel merchant has good qualifications and credit, and the loan amount in the historical data is large, and there is no overdue repayment, then a loan product with a large amount and a low interest rate can be recommended to it, which is only an example, but not limited to this.

[0068] The terminal integration module 4 is used to install the open banking platform on different terminals and synchronize the relevant data of each terminal.

[0069] Specifically, after the open banking platform is installed on different terminals, the display interface may be different, but the basic functions are the same. The terminal can provide a full range of financial services including account management, loan application, payment settlement, investment and financial management, etc. Bank product information display, including loan conditions, interest rates, repayment methods, etc.; support online loan application, fill in detailed application materials; check loan progress and application status, etc.; channel profit query, after the channel dealer accesses the bank system, the total amount and details of the profit can be checked through the terminal; push personalized financial service information and preferential activities, just as an example, but not limited to this.

[0070] The platform optimization module 5 is used to collect feedback information from various channel merchants and optimize the open banking platform based on the feedback information.

[0071] Specifically, the modules and functions of the open banking platform can be continuously optimized through control experiments, collecting user feedback information, etc., and personalized services can be customized for different channel merchants according to user needs and preferences. Users can set their own preferences and needs on the open banking platform, and the platform optimization module 5 recommends suitable financial products and financial services to users based on this information. Platform optimization is an existing mature technology for various software platforms, and the specific process will not be repeated.

[0072] The open banking platform for channel merchants provided in this embodiment provides personalized products and services to channel merchants by connecting them to the bank system, and manages the channel merchants, so that the bank and each channel merchant can achieve data interoperability and business linkage, promote the co-construction and sharing of the financial ecosystem, and improve the bank's service efficiency and service quality by continuously optimizing the open banking platform.

[0073] In some optional embodiments, such as Figure 2 As shown, the channel access module 1 includes:

[0074] The interface standardization unit 11 is used to provide a channel interface document of the banking system, and connect the financial system of the target channel merchant with the banking system through the channel interface according to the channel interface document.

[0075] Specifically, before a channel merchant accesses the bank system, it is necessary to review the credit and qualifications of the channel merchant. The channel access process will only be carried out after the review is passed. Channel access includes: connecting the channel merchant's financial system to the bank system, setting account permissions, and the channel merchant directly logging into the bank system. If the channel merchant has its own financial system, the bank's business personnel can provide the bank's system API interface document, which clearly defines the data format (such as JSON), transmission protocol (such as HTTPS), request and response codes, error handling mechanism, etc. The channel merchant can accurately understand and use the API interface according to the bank's API interface document, which facilitates the target channel merchant's financial system to access the bank system. The specific access process is a mature existing technology and will not be repeated here.

[0076] The open banking platform for channel dealers provided in this embodiment creates standard channel interface documents to ensure that channel dealers can quickly understand and use the channel interface of the banking system, quickly connect their own financial systems with the banking system, and improve the access efficiency of target channel dealers.

[0077] In some optional embodiments, such as Figure 2 As shown, the channel access module 1 also includes:

[0078] The registration review module 12 is used to receive the access request and qualification documents of the target channel dealer, and review the qualification documents. If the review is passed, the target channel dealer is connected to the bank system.

[0079] Specifically, if the channel dealer does not have its own financial system, or does not want to access the bank system through the channel interface, it can register its own account in the bank system through the online open banking platform, submit an access application and necessary business qualification documents, and the bank's reviewers will review the access application and business qualification documents submitted by the channel dealer. If the review is passed, the channel dealer can receive access rights to the API interface and the SDK software development kit, and then conduct technical docking and test acceptance; if the review fails, the channel dealer will be automatically notified.

[0080] The open banking platform for channel merchants provided in this embodiment adds a registration and review module 12 for channel merchants in the banking system, so that channel merchants can register their own account passwords in the banking system and log in to the banking system. Channel merchants who do not have their own financial systems can quickly access the banking system, view banking products and conduct business processing.

[0081] In some optional embodiments, such as Figure 2 As shown, the channel management module 2 includes:

[0082] The channel review unit 21 is used to obtain application materials of target channel merchants, and conduct qualification review, credit assessment, and business model analysis on the target channel merchants based on the application materials.

[0083] Specifically, before cooperating with the target channel merchants, the target channel merchants submit application materials through the open banking platform. The bank's reviewers will conduct qualification review, credit assessment, and business model analysis on the target channel merchants based on the application materials. If the review fails, the target channel merchants will be notified of the reasons for failure. If the review passes, the review results will be generated.

[0084] The grade and authority management unit 22 is used to configure different grades, data access rights, service scopes, and preferential policies for the target channel merchants according to the audit results of the channel audit unit 21 on the target channel merchants.

[0085] Specifically, for target channel vendors that have passed the review, different levels, data access rights, service scopes, preferential policies, etc. are configured for the target channel vendors based on the review results. This is only an example, but not limited to this.

[0086] The performance evaluation unit 23 is used to obtain the business data completed by the target channel business and evaluate the target channel business according to the completed business data.

[0087] Specifically, for the channel partners we are cooperating with, we will regularly conduct performance evaluations on the channel partners’ service quality, user satisfaction, business volume, etc. based on the historical business data completed by the target channel partners.

[0088] The level updating unit 24 is used to update the level and authority of the target channel business according to the evaluation result of the target channel business.

[0089] Specifically, after regularly evaluating channel partners, the target channel partners’ grades, data access rights, service scope, preferential policies, etc. are updated based on the evaluation results to encourage channel partners to continuously improve and develop.

[0090] The open banking platform for channel merchants provided in this embodiment grants different levels of authority to different channel merchants, which is convenient for providing different products and services to different channel merchants. Each channel merchant is evaluated through the performance evaluation unit 23, which is convenient for grasping the detailed status of each channel, so as to promote the business, refine the management of channel merchants, and enhance the satisfaction and business conversion rate of channel merchants.

[0091] In some optional implementations, the level and authority management unit 22 includes:

[0092] The channel QR code management sub-unit is used to create and view the marketing QR codes of channel dealers at all levels. The marketing QR codes include the level information and authority information of channel dealers at all levels.

[0093] Specifically, the open banking platform has set up administrator permissions. Administrators can view the application records and performance dashboard data of all channel merchants. They can also set account manager permissions. Account managers can view the application records and performance dashboard data of all channel merchants they are responsible for managing. At the same time, they have their own marketing QR codes. By having the first-level channel merchants scan the account manager's own marketing QR code, a marketing QR code for the first-level channel is created. By having the second-level channel merchants scan the first-level channel's marketing QR code, a marketing QR code for the second-level channel is created. By having the third-level channel merchants scan the second-level channel's marketing QR code, a marketing QR code for the third-level channel is created. Channel merchants at all levels have their own account managers, and each account manager has a marketing QR code exclusive to that level, which is used for identity identification, application record statistics, performance statistics, and management of the lower-level channel merchants and customers they are responsible for.

[0094] like Figure 3 As shown, the channel QR code management subunit supports the administrators of business units and marketing agencies to configure channel dynamic QR codes, which can infinitely split into multiple sub-QR codes and marketing QR codes. The displayed content mainly includes QR code configuration management, QR code generation records, QR code scanning records, and whitelists of various marketing companies. The dynamic QR code mother code is generated when a new primary marketing channel is added, such as the channel code: 01101430001. After generation, the marketing agency selects the marketing channel code mother code of the corresponding area through the open banking platform QR code management to split and generate sub-codes. The channel code is fixed and the fission QR code code changes randomly; it supports viewing generation records, fission and marketing QR code generation record administrator permissions support QR code validity / invalidation editing, scanning number configuration, and control.

[0095] The personnel management subunit is used by the target business personnel of the target channel partners to create, view and modify their corresponding subordinate channel partners and corresponding business information.

[0096] Specifically, channel merchants at all levels can configure their own account managers' accounts, roles, permissions, etc., support viewing and exporting the application records, performance, etc. of the subordinate channel merchants and customers they are responsible for, and can also open new subordinate channel merchant accounts. Bank business unit administrators and business unit account managers: can add first-level marketing organizations and corresponding subordinate marketing channels, marketing organization administrators: can add their own subordinate marketing organizations, and the overall permissions do not exceed three levels. After creating marketing channels at all levels, you can set data viewing permissions based on the actual situation and the level and credit assessment of marketing channels at all levels, which will not be repeated here.

[0097] Set up the "Employee Management" function menu on the left side of the interface, and set up corresponding submenus to implement personnel management functions. Employee management for channel dealers at all levels includes: team query, add, edit, assign team members, team member list. The functions in the team member list interface include: employee query, add, edit, view employee details, reset password, etc.

[0098] In the list of each team member, the displayed content includes: employee name, mobile phone number, employment status (employed or resigned), employee status (normal or inactive), creator, and the member list can be viewed or exported online. The content that can be viewed and edited on the employee details page includes: serial number, login account, employee name, department name, position name, role name, mobile phone number, employment status, employee status, creator, creation time, last modified by, last modified time, and operations: view, modify, and inactive.

[0099] If a new employee needs to be added, after filling in the new employee's information on the employee details page and saving it on the mobile terminal or computer terminal, the open banking platform will automatically generate a notification SMS and send it to the new employee. The SMS content can be set according to needs and may include: initial login account, password, login address, etc. For example, in a specific embodiment, the SMS content may be:

[0100] "

Bank A

[0101] Your exclusive H5 mobile address is: abcd.

[0102] Your exclusive PC official website address: efgh.

[0103] Copy the link and click to log in. Login account: 12345678901, initial password: 123456 or use the verification code of your mobile phone number to log in. You can reset your password by clicking on the login page. Forgot password can reset your new password. The above information will take effect on: 2023-01-01. Please do not disclose your account information to others. I wish you a prosperous business and a lot of money! ".

[0104] For each employee's role, only the corresponding administrator of the bank has the authority to modify it. Administrators of other departments or channel dealers do not have the authority to modify it. The open banking platform includes a role permission list for configuring existing menu permissions. For example, a customer manager can only view the customers under his or her name. This is just an example, but not limited to this.

[0105] The open banking platform for channel merchants provided in this embodiment has the level and authority of each channel merchant marked by a marketing QR code. Subordinate channels are created by scanning the QR code of the superior channel. Personnel of different levels have different authorities, and the level distinction is convenient, which encourages more channel merchants to join the open banking platform and expand the bank's business scope and market influence.

[0106] In some optional embodiments, such as Figure 2 As shown, the financial service module 3 includes:

[0107] The business customization unit 31 is used to analyze the product tendency of the target channel merchants according to the historical data of the target channel merchants, and provide products or services to the target channel merchants according to the product tendency.

[0108] The business application unit 32 is used to obtain the business application of the target channel provider.

[0109] The risk assessment unit 33 is used to perform real-time risk assessment on the business application.

[0110] The approval decision unit 34 is used to approve the business application according to the real-time risk assessment result.

[0111] The progress query unit 35 is used to query the real-time progress and status of the service application unit.

[0112] Specifically, the financial service module 3 integrates the existing financial business processes into the open banking platform. Each channel merchant can log in to his or her own account to complete the entire process of financial product inquiry, business application, progress inquiry, etc. The bank can view, evaluate and review the business application records of each channel merchant on the open banking platform, and customize and recommend different financial products and services for different channel merchants based on their business, credit and other conditions.

[0113] The open banking platform for channel merchants provided in this embodiment can add all financial service products to the open banking platform. The entire process of the bank's existing business is completed on the open banking platform, which improves the processing efficiency of banking business, provides customized services for each channel merchant, accurately matches the needs of each channel merchant, and improves satisfaction and user experience.

[0114] In some optional implementations, the service application unit 32 includes:

[0115] The application filling subunit is used to fill in the business application form online.

[0116] The material upload subunit is used to upload material files related to business applications.

[0117] The material verification subunit is used to conduct real-time verification of business application forms and material documents.

[0118] Specifically, when applying for banking services or purchasing banking products, channel dealers or users do not need to go offline to process the application. They can directly upload the materials required for the business application through the open banking platform according to the prompts, which is quick and convenient.

[0119] The open banking platform for channel merchants provided in this embodiment completes the entire process of business application online without the need to go to offline bank branches, thus saving business application time, improving business application efficiency, and accelerating the conversion rate of channel merchants to banking business.

[0120] In some optional implementations, the approval decision unit 34 includes:

[0121] The automatic approval subunit is used to automatically approve based on risk assessment results.

[0122] The manual intervention sub-unit is used by the approval personnel to manually intervene in and adjust the approval results of business applications.

[0123] The approval result notification subunit is used to notify the target channel dealer of the approval result in real time.

[0124] The open banking platform for channel merchants provided in this embodiment can automatically approve conventional applications, and provide functions for manual intervention and adjustment of approval results for complex and special applications. The business approval process is more flexible, ensuring approval efficiency while improving the accuracy of business approval.

[0125] In some optional embodiments, such as Figure 2 As shown, the terminal fusion module 4 includes:

[0126] The responsive design unit 41 is used to adopt a responsive design open banking platform so that the open banking platform can provide financial services on different terminals.

[0127] The data synchronization unit 42 is used to establish a real-time data synchronization mechanism to synchronize data between terminals in real time.

[0128] The cross-terminal payment unit 43 is used to provide payment functions of different payment methods on different terminals.

[0129] In some optional implementations, the terminal includes: a mobile phone, a tablet, and a computer.

[0130] The open banking platform for channel merchants provided in this embodiment can provide channel merchants with a good user experience on different terminals, and for the accounts of the same channel merchant, the data is synchronized in real time on each terminal, ensuring the data consistency and coherence of the same account between multiple terminals, making the platform more flexible and convenient for channel merchants to use.

[0131] In a specific embodiment, the performance dashboard page adds a carousel function for the latest business dynamics, specifically including:

[0132] (1) Circularly report the customers who have been successfully granted credit in real time on the same day;

[0133] (2) Statistics of all the customers who have successfully obtained credit through the QR code submission of the cooperation institution, for example: cooperation institution: Company A, channel code 02104430001104, statistics of all channel codes in the channel field;

[0134] (3) Credit approval success report, including: applicant, product, interest rate, and credit limit (RMB);

[0135] (4) Field information display, including:

[0136] A. Number of households that have received applications (number of valid applications), statistical dimensions: today, this week, this month, month-on-month indicators: day-week-month month-on-month;

[0137] B. Number of customers approved (number of customers approved for pre-credit), statistical dimensions: today, this week, this month, month-on-month indicators: day, week, month;

[0138] C. Number of withdrawal accounts (number of customers who successfully withdrew funds), statistical dimensions: today, this week, this month, month-on-month indicators: day, week, month;

[0139] D. Credit limit (accumulated credit limit in a natural month) in 10,000 yuan, statistical dimension: previous month, for example, the accumulated credit limit in July is displayed in August;

[0140] E. Withdrawal rate by number of accounts, statistical dimension: month, month-on-month indicator: month-on-month, calculation rule: Withdrawal rate by number of accounts = number of effective withdrawal accounts in the month / total number of new credit accounts in the month, where the number of effective withdrawal accounts requires: IOUs with withdrawals ≥ 7 days and amount ≥ RMB 50,000, the first credit approval of the withdrawal user must be within 2 natural months, that is, withdrawals in May, and the customer must be first approved for credit in April or May.

[0141] F. Effective withdrawal amount, withdrawal rate by number of accounts, statistical dimension: month, month-on-month indicator: month-on-month calculation rule: effective withdrawal amount of the month = withdrawal of the month - early repayment of the month + early repayment principal of the month * number of days borrowed / 720; both withdrawal users and early repayment customers are required to have their first credit granted within 2 natural months, that is, withdrawals or early repayments in May must be made by customers who were first granted credit in April or May.

[0142] (5) Notification of successful channel credit approval: The information of customers who have successfully been approved for channel credit on that day will be broadcast in a rotating manner and updated in real time from 0:00 to 24:00 on that day.

[0143] (6) Figure 4As shown, channel ranking index and number of applications: after logging in, users of the first-level channel can see the ranking of the number of applications (effective number of applications) of the second-level marketing channels. The statistical dimensions are ranked by T+1 day, this week, and this month (sorted in order of the number of applications). The number of applications (effective number of applications) is divided into 12 months per year and counted separately. Historical data can be displayed and saved.

[0144] (7) Display of the number of applications submitted by my marketing team in real time on the same day: The first-level channel displays the names of the second-level channels under it and the number of effective customers who have submitted applications in real time on the same day. It supports exporting tables for saving. The statistical dimension is the real-time data of applications submitted through the marketing QR code on the same day.

[0145] For marketing partner organizations - channel control, regional and city control, business units and marketing administrators support channel control configuration, and synchronize the upper limit of the number of regional total control submissions controlled by industrial banks. The control configuration of marketing organization administrators for subordinate marketing organizations shall not be greater than the total number (regions + cities) controlled by the business unit.

[0146] (1) Channel control: Kingdee channel is added to the Industrial Bank platform, and the channel entry switch is turned on. The number of submissions per day is 100. The marketing organization administrator cannot configure more than 100 per day on the open banking platform. The control quantity is fixed and cannot be modified by the marketing organization administrator.

[0147] (2) Example of regional control: The Industrial Bank platform adds Kingdee-Hunan region with a daily quota of 100. The Kingdee marketing organization administrator can configure multiple subordinate organizations with a quota of no more than 100 per day (the quota cannot be modified and is fixed). The quota must be allocated within 100 per day.

[0148] (3) Example of city control: The Industrial Bank platform adds Kingdee-Hunan 100 / day, Changsha + Xiangtan + Zhuzhou control input volume is 50 / day, Kingdee marketing organization administrator can configure regional control for subordinate organizations / teams shall not exceed 100 / day, three city control shall not exceed 50 / day.

[0149] Although the embodiments of the present invention have been described in conjunction with the accompanying drawings, those skilled in the art may make various modifications and variations without departing from the spirit and scope of the present invention, and such modifications and variations are all within the scope defined by the appended claims.

Claims

1. An open banking platform for channel merchants, characterized by: The platform includes: Channel access module, used for target channel dealers to access the banking system; A channel management module, used to assign cooperation levels and access rights to different data in the banking system to target channel vendors according to their business service information; The financial services module is used to integrate various financial products and provide corresponding financial products and financial services based on the historical data of target channel merchants; A terminal integration module, used to install the open banking platform on different terminals and synchronize relevant data of each terminal; The platform optimization module is used to collect feedback information from various channel merchants and optimize the open banking platform based on the feedback information.

2. The open banking platform according to claim 1, characterized in that: The channel access module includes: The interface standardization unit is used to provide the channel interface document of the banking system, and connect the financial system of the target channel merchant with the banking system through the channel interface according to the channel interface document.

3. The open banking platform according to claim 1, characterized in that: The channel access module also includes: The registration and review module is used to receive the access request and qualification documents of the target channel dealer, and review the qualification documents. If the review is passed, the target channel dealer will be connected to the bank system.

4. The open banking platform according to claim 1, characterized in that: The channel management module includes: A channel review unit is used to obtain application materials of target channel merchants and conduct qualification review, credit assessment, and business model analysis on the target channel merchants based on the application materials; The level and authority management unit is used to configure different levels, data access rights, service scopes, and preferential policies for target channel partners according to the audit results of the channel partner audit unit on the target channel partners; A performance evaluation unit, used to obtain business data completed by a target channel partner and evaluate the target channel partner based on the completed business data; The level updating unit is used to update the level and authority of the target channel business according to the evaluation result of the target channel business.

5. The open banking platform according to claim 4, characterized in that: The level and authority management unit includes: The channel QR code management subunit is used to create and view the marketing QR codes of channel merchants at all levels, which include the level information and authority information of channel merchants at all levels; The personnel management subunit is used by the target business personnel of the target channel partners to create, view and modify their corresponding subordinate channel partners and corresponding business information.

6. The open banking platform according to claim 1, characterized in that: The financial service module includes: A business customization unit, used to analyze the product tendency of the target channel merchants according to the historical data of the target channel merchants, and provide products or services to the target channel merchants according to the product tendency; Business application unit, used to obtain business applications from target channel partners; A risk assessment unit, used for performing real-time risk assessment on the business application; An approval decision unit, used to approve the business application according to the real-time risk assessment results; The progress query unit is used to query the real-time progress and status of the business application unit.

7. The open banking platform according to claim 6, characterized in that: The business application unit includes: Application filling subunit, used to fill in the business application form online; The material upload subunit is used to upload material files related to business application; The material verification subunit is used to perform real-time verification on the business application form and material documents.

8. The open banking platform according to claim 6, characterized in that: The approval decision unit includes: Automatic approval subunit, used to automatically approve based on risk assessment results; The manual intervention sub-unit is used for the approval personnel to manually intervene in and adjust the approval results of business applications; The approval result notification subunit is used to notify the target channel dealer of the approval result in real time.

9. The open banking platform according to claim 1, characterized in that: The terminal fusion module includes: A responsive design unit, used for adopting a responsive design open banking platform, so that the open banking platform provides financial services on different terminals; A data synchronization unit is used to establish a real-time data synchronization mechanism to synchronize data between terminals in real time; The cross-terminal payment unit is used to provide payment functions of different payment methods on different terminals.

10. The open banking platform according to claim 1 or 9, characterized in that: The terminals include: mobile phones, tablets, and computers.

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