Coupon management method, system and device based on consumer finance and medium

Abstract

The invention relates to the technical field of mobile internet, and provides a consumer finance-based coupon management method, system and device, and a medium. The method comprises the following steps: judging a user type according to user information; if the user is a sleeping user, a cash red packet ticket is sent to the user side of the sleeping user; if the user is a non-settlement user, sending a loan coupon to the user side of the non-settlement user; if the user is a clearing encouraging user in the non-clearing users, sending an advanced clearing coupon to the user side of the clearing encouraging user in the non-clearing users; and if the user is the first borrowing promotion user, sending a discount coupon to the user side of the first borrowing promotion user. Through step-by-step detailed management of the full life cycle of the coupons, the management efficiency and user satisfaction of the coupons are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of mobile Internet, and in particular to a coupon management method, system, device and medium based on consumer finance. Background Art

[0002] The statements in this part only provide background technical information related to the present invention, and do not necessarily constitute prior art.

[0003] As a common promotional means, coupons are widely used in the field of consumer finance. However, there are many problems in the traditional coupon management method, such as low coupon issuance efficiency, inconvenient user receipt and use, and waste of expired coupons. Summary of the Invention

[0004] In order to solve the technical problems existing in the above background art, the present invention provides a coupon management method based on consumer finance. The present invention improves the management efficiency of coupons and user satisfaction by step-by-step refinement management of the entire life cycle of coupons.

[0005] In order to achieve the above object, the present invention adopts the following technical solutions:

[0006] The first aspect of the present invention provides a coupon management method based on consumer finance.

[0007] A coupon management method based on consumer finance includes: judging the user type according to user information; if it is a dormant user, sending a cash red envelope coupon to the user terminal of the dormant user; if it is an outstanding user, sending a borrowing coupon to the user terminal of the outstanding user; if it is an encouraging settlement user among the outstanding users, sending an early settlement coupon to the user terminal of the encouraging settlement user among the outstanding users; if it is a promoting first borrowing user, sending a discount coupon to the user terminal of the promoting first borrowing user.

[0008] Further, the coupon management method further includes: receiving an approval request for the configured coupon batch information, generating a coupon after approval, and configuring the usage conditions of the coupon.

[0009] Further, the coupon management method further includes: receiving a coupon receipt request sent by the user terminal, sequentially judging whether the user number is correct, whether the coupon date meets the first specified time limit range, whether the user corresponding to the coupon number exists, and whether the redemption date meets the second specified time limit range. If the above conditions are all satisfied, query the redemption status according to the coupon number and change the status of the coupon to "redeemed"; before or after changing the coupon status, query whether the user information exists according to the user number. If so, send the coupon to the user terminal, otherwise, send a prompt of coupon receipt failure to the user terminal.

[0010] Furthermore, the coupon management method further includes: receiving a request sent by the user terminal to query the coupon information of a specified user, judging whether the coupons of this user have been used more than the specified number of times or amount according to the user number, if so, sending all the coupon lists of this user to the user terminal and changing the status in the coupon list to "expired for use"; otherwise, sending all the coupon lists of this user to the user terminal and displaying the coupons in normal status and the coupons in abnormal status.

[0011] Furthermore, the coupon management method further includes: receiving a request sent by the user terminal to query the coupon list of a specified user, receiving the input user number and filtering conditions, judging in turn whether the coupons of this user have been used more than the specified number of times or amount and whether the coupons of this user are within the validity period according to the user number, if both are true, then judging whether the coupons of this user meet the loan requirements according to the filtering conditions, if so, sending the coupon list that meets the user requirements to the user terminal, and this list displays the coupons in normal status and / or the coupons that have been used more than the specified number of times / amount; the filtering conditions include: loan type, loan amount, receipt type and use type.

[0012] Furthermore, the coupon management method further includes: receiving a user loan application form request sent by the user terminal, the configured request parameters, and the user loan application form request includes the coupons that the user hopes to use; querying all available coupon lists of this user according to the user loan application form request; judging whether all available coupons of this user have been used more than the specified number of times or amount, if so, sending a request failure prompt to the user; otherwise, judging whether the applicable loan type and applicable loan amount of all available coupons of this user match the user's loan application, if so, sending a request failure prompt to the user; otherwise, sending a successful message that the loan application has successfully used the specified coupon to the user terminal.

[0013] Furthermore, the coupon management method further includes: receiving a request for invalidating a specified coupon sent by the user terminal, judging whether the specified coupon has been submitted to the specified terminal, if so, sending the request for invalidating the specified coupon to the specified terminal so that the specified terminal changes the status of the specified coupon to invalid; otherwise, changing the status of the specified coupon to invalid and sending the result to the user terminal.

[0014] Further, the coupon management method further includes: receiving a redemption request for a coupon sent by a user terminal, and sequentially determining whether the user number in the redemption request for the coupon exists, whether the user number has timed out, whether the batch number of the coupon exists, whether the batch date of the coupon meets the range of the third specified period, and whether the batch of the coupon has been fully redeemed. If all the above conditions are met, the coupon with the smallest coupon number in the batch is sent to the user terminal; otherwise, a prompt indicating that the coupon cannot be redeemed is sent to the user terminal.

[0015] Further, the coupon management method further includes: receiving a repayment request sent by a user terminal, and sending the user's coupon to the user terminal for the user terminal to use the coupon for repayment.

[0016] The second aspect of the present invention provides a coupon management system based on consumer finance.

[0017] A coupon management system based on consumer finance includes:

[0018] A coupon dynamic allocation module, which is configured to: determine the user type according to user information; if it is a dormant user, send a cash red envelope coupon to the user terminal of the dormant user; if it is an outstanding user, send a borrowing coupon to the user terminal of the outstanding user; if it is an encouraging settlement user among the outstanding users, send an early settlement coupon to the user terminal of the encouraging settlement user among the outstanding users; if it is a user promoting first borrowing, send a discount coupon to the user terminal of the user promoting first borrowing.

[0019] The third aspect of the present invention provides a computer-readable storage medium.

[0020] A computer-readable storage medium, on which a computer program is stored, and when the program is executed by a processor, it implements the steps in the coupon management method based on consumer finance as described in the first aspect above.

[0021] The fourth aspect of the present invention provides a computer device.

[0022] A computer device includes a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the program, it implements the steps in the coupon management method based on consumer finance as described in the first aspect above.

[0023] Compared with the prior art, the beneficial effects of the present invention are:

[0024] The present invention aims to solve the problems existing in the existing coupon management. By providing a coupon management method, system, device and medium based on consumer finance, the automatic generation, efficient distribution, convenient receipt, flexible use, intelligent refund and comprehensive statistical analysis of coupons are realized, thereby improving the utilization rate of coupons and user activity.

[0025] The present invention designs an automatic dynamic allocation process for interest-free coupons. Based on real-time data, it triggers the coupon allocation action in real time to achieve the business goal, thereby improving the management efficiency of coupons and user satisfaction. Brief Description of the Drawings

[0026] The specification drawings forming a part of the present invention are used to provide a further understanding of the present invention. The schematic embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation to the present invention.

[0027] Figure 1 It is a flowchart of adding new coupons shown by the present invention;

[0028] Figure 2 It is a flowchart of processing each returned coupon shown by the present invention;

[0029] Figure 3 It is a flowchart of querying coupons of a specified user shown by the present invention;

[0030] Figure 4 It is a flowchart of generating a list of available coupons in the APP shown by the present invention;

[0031] Figure 5 It is a flowchart of processing user coupons shown by the present invention;

[0032] Figure 6 It is a flowchart of coupon expiration processing shown by the present invention;

[0033] Figure 7 It is a flowchart of coupon receipt shown by the present invention;

[0034] Figure 8 It is a flowchart of coupon dynamic allocation shown by the present invention;

[0035] Figure 9 It is a flowchart of a user using a coupon to repay a loan shown by the present invention. Detailed Embodiments

[0036] The present invention will be further described below in conjunction with the drawings and embodiments.

[0037] It should be noted that the following detailed description is illustrative and is intended to provide further explanation of the present invention. Unless otherwise specified, all technical and scientific terms used herein have the same meaning as commonly understood by those of ordinary skill in the technical field to which the present invention belongs.

[0038] It should be noted that the terms used herein are only for describing specific embodiments and are not intended to limit the exemplary embodiments according to the present invention. As used herein, unless the context clearly indicates otherwise, the singular form is also intended to include the plural form. In addition, it should be understood that when the terms "comprise" and / or "include" are used in this specification, they specify the presence of features, steps, operations, devices, components, and / or combinations thereof.

[0039] It should be noted that the flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of the methods and systems according to various embodiments of the present disclosure. It should be noted that each block in the flowchart or block diagram may represent a module, a program segment, or a part of code, and the module, program segment, or part of code may include one or more executable instructions for implementing the logical functions specified in each embodiment. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, or they may sometimes be executed in the reverse order, depending on the functions involved. Similarly, it should be noted that each block in the flowchart and / or block diagram, and the combinations of blocks in the flowchart and / or block diagram, may be implemented using a dedicated hardware-based system for performing the specified functions or operations, or may be implemented using a combination of dedicated hardware and computer instructions.

[0040] Embodiment 1

[0041] This embodiment provides a coupon management method based on consumer finance. In this embodiment, taking the application of this method to a server as an example, it can be understood that this method can also be applied to a terminal, and can also be applied to a system including a terminal and a server, and is implemented through the interaction between the terminal and the server. The server can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, web servers, cloud communications, middleware services, domain name services, security services CDN, and big data and artificial intelligence platforms. The terminal can be a smart phone, a tablet computer, a laptop computer, a desktop computer, a smart speaker, a smart watch, etc., but is not limited thereto. The terminal and the server can be directly or indirectly connected through wired or wireless communication methods, and this application does not make any restrictions here. In this embodiment, the method includes:

[0042] 1. Birth of Coupons

[0043] The process of the birth of coupons is a systematic one, which starts with configuring the "batch information" for generating coupons. At this stage, it is necessary to clarify the type of coupon collection, that is, to determine whether the coupon is a collection coupon or an exchange coupon. At the same time, it is also necessary to set the basic information of the coupon, which includes the usage type (such as loan coupon or repayment coupon) and other relevant basic attributes.

[0044] To facilitate the handling of the binding relationship between coupons and users, as part of the user relationship, the processing process, interfaces, approvals, and data are all stored in the CRM. The CRM mentioned later in this article is the system used to handle coupons.

[0045] Next, as Figure 1 shown, business personnel will submit an approval application in the CRM management interface for the already configured coupon batch information. In this step, the CRM system mainly serves as an operation platform and does not directly participate in the approval process. After the approval application is submitted, it will wait for relevant personnel to conduct the approval.

[0046] Once the approval is passed, business personnel need to submit the relevant information of the coupon (including coupon number and status, etc.) to the "Hibay Mall" by themselves. This step marks the official generation of the coupon. In the "Hibay Mall", the corresponding coupon will be newly added and its status will be set to "normal".

[0047] Subsequently, business personnel also need to further fill in the detailed usage conditions of the coupon, such as applicable loan varieties, loan amounts, etc., as well as information such as the expiration date of the coupon. The setting of this information is crucial for ensuring the compliance and effectiveness of the coupon.

[0048] Finally, business personnel need to carefully check all the information to ensure it is correct and meets the usage conditions before completing the entire process of the birth of the coupon.

[0049] The status of the coupon includes the following: normal, redeemed, used, expired, overdue for collection, overdue for use.

[0050] 2. Processing Process of the Coupon Interface Open to the Outside World, as Figure 2 shown:

[0051] Check the user number: The interface first receives a coupon request and checks whether the user number provided in the request is the same as the user number already existing in the system. If the user numbers are the same, the process continues; if the user numbers are different, error information is recorded and a failure message is returned.

[0052] Check coupon date: Next, the interface checks whether the start date and end date of the coupon are before the current date.

[0053] This step includes two sub-steps: Use the CRM (possibly a module for time or date management) to query whether the current date has exceeded the start date of the coupon. Use the CRM (Customer Relationship Management) system to query whether the current date has exceeded the end date of the coupon. If the current date is not within the valid period of the coupon (i.e., the current date is before the start date or after the end date), the process returns a failure message.

[0054] Query whether the user exists: The interface queries whether the corresponding user exists based on the coupon number of the coupon. If the user does not exist, the process returns a failure message.

[0055] Check the redemption date range: If the user exists, the interface continues to query the start date and end date of the redemption of this batch based on the coupon number. Then, the interface determines whether the current date is between the start date and end date of the redemption of this batch. If the current date is not within the redemption date range, the process returns a failure message.

[0056] Change the coupon status: If the current date is within the redemption date range, the interface queries the redemption status of this batch based on the coupon number and changes its status to "redeemed".

[0057] Check the existence of the user number: Before or after changing the coupon status, the interface checks again whether the user information queried based on the user number exists. If the user number does not exist (although it has been checked whether the user exists in the previous step, this step is to ensure the validity of the user information before changing the status), the process returns a failure message.

[0058] Return a success message: If all the above steps are successfully completed, that is, the user numbers are the same, the coupon is within the valid period, the user exists, the current date is within the redemption date range, the coupon status is successfully changed to "redeemed", and the user number is valid, the interface returns a success message indicating that the coupon can be redeemed.

[0059] 3. Display on the APP "My" - "Coupons" interface, as Figure 3 shown:

[0060] On the APP or the user's coupon page, the user hopes to query the coupon information of a specified user. To achieve this function, the system first calls an interface, namely the "Query the redemption of a specified Haier member" interface. The purpose of this step is to obtain the user information of the specified user for subsequent query and status judgment of the coupon.

[0061] Next, the system will calculate the usage status of all coupons of this user. This step mainly determines whether the user's coupons have been used more than the specified number of times or amount. If the system finds that the user's coupon usage has exceeded the regulations, it will return a list of all the user's coupons and update the status of these coupons in the list to "expired in use".

[0062] If the user's coupon usage does not exceed the regulations, the system will also return a list of all the user's coupons. However, it should be noted that this list includes not only coupons in normal status but also those in abnormal status.

[0063] Finally, the entire query process requires two key request parameters: one is the user ID (this is a required field), and the other is the coupon list interface. The user ID is used to specify the user to be queried, and the coupon list interface is used to obtain the user's coupon information.

[0064] 4. The list of available coupons displayed in the APP is as follows Figure 4 as shown

[0065] In the APP or the user's coupon page, the user hopes to query the list of available coupons for a specified user. To complete this operation, the system follows a series of steps to process and display the coupon information.

[0066] First, the system checks whether there are coupons to be queried. However, the previous steps "does not exist", "does not exist one", "does not exist two", and "does not exist three" are all negative judgments on certain conditions and all lead to the result of returning an empty list. These steps indicate that the system checks the validity or existence of coupon data at different stages but fails to find coupons that meet the conditions.

[0067] However, it is important to focus on the step of actually performing the coupon query. In this step, the system performs the following operations:

[0068] ① Preparation of request parameters: The system prepares the necessary request parameters, including the user ID (this is a required field), and possible filtering conditions such as loan type (required), loan amount (required), receipt type (exchange coupon, receipt coupon, all if not filled), and usage type (loan coupon, repayment coupon, all if not filled).

[0069] ② Call the interface to query: The system calls the interface to query the list of coupons for the specified Haier member and passes in the above request parameters. This interface is responsible for retrieving the coupon information that meets the conditions from the database.

[0070] ③ Calculation of coupon usage status: The system calculates the usage status of all coupons of this user, including whether they have been used more than the specified number of times or amount, and whether they are still within the validity period.

[0071] ④ Coupon applicability judgment: The system further checks the applicable loan types and applicable loan amounts of the coupons to determine whether they meet the user's loan requirements.

[0072] ⑤ Return the coupon list: Finally, based on the results of the above steps, the system returns a list of coupons that meet the user's requirements. This list may include coupons in normal status, or coupons that have been used more than the specified number of times or amount (but the status will be marked as "expired").

[0073] 5. The processing flow for using user coupons is as Figure 5 shown:

[0074] The used status is one of the final states of the coupon.

[0075] ① APP submits an order: The user submits a loan application order on the APP and specifies the coupon they hope to use in the order.

[0076] ② Request parameter preparation: The system prepares the necessary request parameters, which include the loan application number (required), loan type (required), loan amount (required), etc. These parameters will be used for subsequent querying of coupons and judging whether the coupons meet the usage conditions.

[0077] ③ Query the coupon list interface for the specified Haier member: The system calls this interface to query the list of all available coupons under the name of this Haier member according to the request parameters provided by the user (such as user number, loan type, loan amount, etc.).

[0078] ④ Calculate whether all coupons of this user have been used excessively: Based on the query results, the system calculates the usage situation of all coupons of this user to judge whether they have been used more than the specified number of times or amount. If they have been used excessively, the process enters the failure handling.

[0079] ⑤ Judge whether the coupon meets the usage conditions: For each queried coupon, the system further checks whether its applicable loan type and applicable loan amount match the user's loan application. If not, continue to check the next coupon; if so, proceed to the next step.

[0080] ⑥ Change the coupon status to "used": For the coupons that meet the usage conditions, the system changes their status to "used". At the same time, even if the coupon is a received coupon, the system will call the Haibei interface again for confirmation to ensure that the use of the coupon complies with the regulations.

[0081] ⑦ Return success: If all steps are successfully completed, the system finally returns a success message indicating that the user's loan application has successfully used the specified coupon.

[0082] ⑧ Return failure: If there are problems in any step (such as the coupon has been used up, does not meet the usage conditions, system errors, etc.), the system will return a failure message and may require the user to provide more parameters or perform other operations.

[0083] 6. Expiration process, such as Figure 6 shown as:

[0084] The second end state of the coupon, the expired state.

[0085] ① Select coupon: In the CRM management interface, the user first selects coupons with the status of "Normal" or "Claimed". These are the coupons that the user wishes to expire.

[0086] ② Click the expiration button: After selecting the coupon, the user clicks the "Expire" button. This operation will trigger the subsequent coupon expiration process.

[0087] ③ Judge the coupon status: The system checks whether the selected coupons have been submitted to the "Hibay Mall". If the coupons have been submitted to the "Hibay Mall", business operations need to be performed. If the coupons have not been submitted to the "Hibay Mall", directly proceed to the next step.

[0088] ④ Business operations and status update: For coupons that have been submitted to the "Hibay Mall", the system performs business operations (such as sending a request to the "Hibay Mall" to update the coupon status to "Expired"). After the business operation is successful, regardless of whether the coupons have been submitted to the "Hibay Mall", the system changes the status of these coupons to "Expired".

[0089] ⑤ Coupon expiration: Once the status of the coupon is changed to "Expired", these coupons can no longer be redeemed, claimed, or used.

[0090] ⑥ Special case handling: If the user does not check the option of "Not checked by personnel for self-control", the CRM system may not be able to accurately control which coupons have been submitted to the "Hibay Mall" for unknown reasons.

[0091] In this case, if the "Hibay Mall" queries that the user has redeemed some coupons, but the status of these coupons in the CRM system is still "Expired", the CRM system can no longer control these coupons.

[0092] At this time, these coupons are regarded as expired in the CRM system and the user can no longer use them.

[0093] 7. Coupon claiming process, such as Figure 7 shown as:

[0094] ① Request parameter preparation: The user or the system prepares the request parameters, which must include the "user number" and the "batch number".

[0095] ② Check if the user number exists: The system first checks if the request parameters contain a valid "user number". If the user number does not exist, the process directly returns a failure message, indicating "does not exist".

[0096] ③ Check if the user number has timed out: If the user number exists, the system will further check if the user number has passed the coupon redemption start date or the redemption end date. If the time limit has been exceeded (i.e., before the redemption start date or after the redemption end date), the process returns a failure message.

[0097] ④ Check if the batch exists and its status: The system queries the CRM (Customer Relationship Management) system to check if the "batch number" in the request parameters exists. If the batch number does not exist, the process returns a failure message. If the batch number exists, the system further checks if the status of the batch is "normal". If the batch status is not "normal", the process returns a failure message.

[0098] ⑤ Check if the batch dates are the same: The system compares the current date with the valid date of the batch (between the redemption start date and the redemption end date). If the current date is within the valid date range of the batch (i.e., "dates are the same"), the process continues to the next step. If the current date is not within the valid date range of the batch, the process returns a failure message.

[0099] ⑥ Check if the batch has been fully redeemed: The system queries the CRM system to check if the batch has been fully redeemed. If the batch has been fully redeemed (i.e., all coupons have been redeemed), the process returns a failure message. If there are still remaining coupons in the batch that have not been redeemed, the process continues to the next step.

[0100] ⑦ Determine the coupon and return a success message: The system selects the coupon with the smallest coupon number in the batch (or selects a coupon according to other rules). The system marks the coupon as redeemed and updates the relevant data in the CRM system. Finally, the system returns a success message, including the details of the redeemed coupon.

[0101] 8. Dynamic allocation of coupons, as Figure 8 shown:

[0102] Currently, the allocation of coupons faces several pain points: 1. Manual allocation is inefficient and has high labor costs. 2. The coupon allocation is unreasonable and fails to achieve the expected effect. 3. The distribution is not timely, missing the opportunity to activate users. To solve the above problems, the present invention designs the following solutions:

[0103] ① Determine that the customer group type is dormant users. The target customer group is those who have taken loans and settled them in a timely manner, and one loan note has been settled for 3 months, and the customer group has not logged in for 1 month. This customer group is defined as dormant users.

[0104] ② Issue cash red envelope coupons to dormant users. The cash value is based on the profit generated by the user (the percentage is set by the operator), and SMS, phone calls, and in-app messages are sent to notify them, thereby awakening the dormant users.

[0105] ③ Determine that the customer group type is unsettled users. The target customer group is those who have existing loan notes but have not settled them and have no overdue payments.

[0106] ④ Determine that the customer group type is users who are encouraged to re-borrow among the unsettled users. It is predicted that such users will settle normally. To avoid losing them after settlement, borrowing coupons are issued. The face value of the coupon is calculated based on the profit of this loan note (the percentage is set by the operator), and users are encouraged to re-borrow once.

[0107] ⑤ Determine that the customer group type is users who are encouraged to settle among the unsettled users. The characteristics of such users are that their repayment desire has decreased and there have been batch deduction failures, and they are in the customer group that has received repayment reminders or grace period repayments; automatically allocate early settlement coupons with a fixed face value (set by the operator) to such users, and the early repayment handling fee can be waived to encourage users to settle the loan notes.

[0108] ⑥ Determine that the customer group type is users who are encouraged to take the first loan. The characteristics of such users are that they have completed the application for the loan amount and exited on the loan page. This is the customer group that is dissatisfied with the interest rate. Issue discount coupons with the discount strength set by the operator, so that such customer groups can have loan products equivalent to low-interest rates and encourage users to take the first loan.

[0109] 9. When users use coupons to repay, as Figure 9 shown:

[0110] ① User login: Any APP user logs in through "Hi Pay".

[0111] ② Enter the personal page: After logging in, the user clicks on "My Hi Pay" to enter the personal page.

[0112] ③ View installment bills: On the personal page, the user clicks on "Installment Bills" to view their bill information.

[0113] ④ Select the bill to be repaid: The user selects the bill to be repaid from the installment bills and clicks on "To Be Repaid".

[0114] ⑤ Enter the repayment page: After clicking on "To Be Repaid", the user enters the repayment page.

[0115] ⑥ Call the coupon interface: On the repayment page, the APP calls the "CRM query coupon interface for specified users" to obtain the available coupons for the user.

[0116] ⑦ Display the coupon list: The APP receives and displays the coupon list returned by the CRM.

[0117] ⑧ Select a coupon: The user checks the coupon to be used from the displayed coupon list.

[0118] ⑨ Invoke the coupon usage interface: After the user clicks "Repay Now", the APP invokes the CRM coupon usage interface to prepare to use the selected coupon.

[0119] ⑩ Modify the coupon status: After the CRM system receives the coupon usage request, it modifies the status of the coupon to "Used".

[0120] Processing result: If the operation is successful, the CRM system returns a success message. The APP automatically deducts the coupon amount from the repayment amount and displays "Coupon has been used". If the operation fails (e.g., no information is returned due to an unexpected situation), the CRM system returns a failure message. The APP does not deduct the coupon amount and displays "Modification failed (unexpected situation, such as no information returned)".

[0121] Embodiment 2

[0122] This embodiment provides a coupon management system based on consumer finance, including:

[0123] A coupon management system based on consumer finance, including:

[0124] A coupon dynamic allocation module, which is configured to: judge the user type according to the user information; if it is a dormant user, send a cash red envelope coupon to the user terminal of the dormant user; if it is an outstanding user, send a borrowing coupon to the user terminal of the outstanding user; if it is an encouraged-to-settle outstanding user among the outstanding users, send an early settlement coupon to the user terminal of the encouraged-to-settle outstanding user among the outstanding users; if it is a user promoting first borrowing, send a discount coupon to the user terminal of the user promoting first borrowing.

[0125] In some embodiments, the coupon management system further includes: a coupon generation module, which is configured to: receive the approval request of the configured coupon batch information, generate coupons after the approval is passed, and configure the usage conditions of the coupons.

[0126] In some embodiments, the coupon management system further includes: a coupon issuance module, which is configured to: receive a request for redeeming a coupon sent by a user terminal, and successively determine whether the user number is correct, whether the coupon date conforms to a first specified time limit range, whether the user corresponding to the coupon number exists, and whether the redemption date conforms to a second specified time limit range. If all the above conditions are met, query the redemption status according to the coupon number, and change the status of the coupon to "redeemed"; before or after changing the coupon status, query whether the user information exists according to the user number. If so, send the coupon to the user terminal; otherwise, send a prompt indicating that the coupon redemption fails to the user terminal.

[0127] In some embodiments, the coupon management system further includes: a user terminal coupon display module, which is configured to: receive a request for querying coupon information of a specified user sent by a user terminal, and determine, according to the user number, whether the coupons of this user have been used more than a specified number of times or amount. If so, send a list of all coupons of this user to the user terminal, and change the status in this coupon list to "expired for use"; otherwise, send a list of all coupons of this user to the user terminal, and display the coupons in normal status and the coupons in abnormal status.

[0128] In some embodiments, the coupon management system further includes: a coupon issuance module, which is further configured to: receive a request for querying a coupon list of a specified user sent by a user terminal, receive the input user number and filtering conditions, and successively determine, according to the user number, whether the coupons of this user have been used more than a specified number of times or amount and whether the coupons of this user are within the validity period. If both are true, then determine, according to the filtering conditions, whether the coupons of this user meet the loan requirements. If so, send a list of coupons meeting the user requirements to the user terminal, and this list displays the coupons in normal status and / or the coupons that have been used more than the specified number of times / amount; the filtering conditions include: loan type, loan amount, receipt type, and usage type.

[0129] In some embodiments, the coupon management system further includes: a coupon issuance module, which is further configured to: receive a user loan application form request sent by a user terminal, configure the request parameters, and the user loan application form request includes the coupons that the user hopes to use; query a list of all available coupons of this user according to the user loan application form request; determine whether all the available coupons of this user have been used more than a specified number of times or amount. If so, send a request failure prompt to the user; otherwise, determine whether the applicable loan types and applicable loan amounts of all the available coupons of this user match the user's loan application. If so, send a request failure prompt to the user; otherwise, send a success message indicating that the loan application has successfully used the specified coupons to the user terminal.

[0130] In some embodiments, the coupon management system further includes: a coupon expiration module, which is configured to: receive a request for expiring a specified coupon sent by a user terminal, determine whether the specified coupon has been submitted to a specified terminal, and if so, send the request for expiring the specified coupon to the specified terminal so that the specified terminal changes the status of the specified coupon to invalid; otherwise, change the status of the specified coupon to invalid and send the result to the user terminal.

[0131] In some embodiments, the coupon management system further includes: a coupon issuance module, which is further configured to: receive a request for claiming a coupon sent by a user terminal, and sequentially determine whether the user number in the request for claiming the coupon exists, whether the user number has timed out, whether the batch number of the coupon exists, whether the batch date of the coupon meets the range of a third specified period, and whether the batch of coupons has been fully claimed. If all the above conditions are met, send the coupon with the smallest coupon number in the batch to the user terminal; otherwise, send a prompt indicating that the coupon cannot be claimed to the user terminal.

[0132] In some embodiments, the coupon management system further includes: a coupon issuance module, which is further configured to: receive a repayment request sent by a user terminal, and send the user's coupon to the user terminal for the user terminal to use the coupon for repayment.

[0133] Embodiment III

[0134] This embodiment provides a computer-readable storage medium, on which a computer program is stored. When the program is executed by a processor, it implements the steps in the coupon management method based on consumer finance as described in Embodiment I above.

[0135] Embodiment IV

[0136] This embodiment provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the program, it implements the steps in the coupon management method based on consumer finance as described in Embodiment I above.

[0137] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can take the form of a hardware embodiment, a software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage and optical storage, etc.) containing computer-usable program code.

[0138] The present invention is described with reference to the flowcharts and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the present invention. It should be understood that each flow and / or block in the flowchart and / or block diagram, and the combination of flows and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, such that the instructions executed by the processor of the computer or other programmable data processing device produce a means for implementing the functions specified in one or more flows and / or one or more blocks. Figure 1 in one or more flows and / or one or more blocks Figure 1 a means for implementing the functions specified in one or more blocks.

[0139] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory produce a manufactured article including an instruction means that implements the functions specified in one or more flows and / or one or more blocks. Figure 1 in one or more flows and / or one or more blocks Figure 1 a means for implementing the functions specified in one or more blocks.

[0140] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process, so that the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one or more flows and / or one or more blocks. Figure 1 in one or more flows and / or one or more blocks Figure 1 a means for implementing the functions specified in one or more blocks.

[0141] Those of ordinary skill in the art can understand that to implement all or part of the processes in the above-described embodiment methods, it can be completed by instructing relevant hardware through a computer program. The program can be stored in a computer-readable storage medium. When the program is executed, it can include the processes of the above-described method embodiments. Among them, the storage medium can be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM), etc.

[0142] The above is only the preferred embodiment of the present invention and is not intended to limit the present invention. For those skilled in the art, the present invention can have various changes and modifications. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A coupon management method based on consumer finance, characterized in that: include: Determine the user type based on the user information; If the user is dormant, a cash red envelope coupon is sent to the user terminal of the dormant user; If the user has not settled the balance, a loan coupon will be sent to the user terminal of the unsettled user; if the user is encouraged to settle the balance among the unsettled users, an early settlement coupon will be sent to the user terminal of the encouraged to settle the balance among the unsettled users; if the user is a first-time borrower, a discount coupon will be sent to the user terminal of the first-time borrower.

2. The coupon management method based on consumer finance according to claim 1, characterized in that: The coupon management method further includes: receiving an approval request for the configured coupon batch information, generating a coupon after the approval is passed, and configuring usage conditions of the coupon.

3. The coupon management method based on consumer finance according to claim 1, characterized in that: The coupon management method further includes: receiving a coupon collection request sent by a user terminal, determining in sequence whether the user number is correct, whether the coupon date is within the first specified period range, whether the user corresponding to the coupon number exists, and whether the collection date is within the second specified period range; if all of the above conditions are met, querying the collection status according to the coupon number, and changing the status of the coupon to "collected"; before or after changing the coupon status, querying whether the user information exists according to the user number; if so, sending the coupon to the user terminal; otherwise, sending a prompt indicating that the coupon collection failed to the user terminal.

4. The coupon management method based on consumer finance according to claim 1, characterized in that: The coupon management method further includes: receiving a request from a user terminal to query the coupon information of a specified user, and judging whether the coupon of the user has been used for more than a specified number of times or amount according to the user number; if so, sending a list of all coupons of the user to the user terminal, and changing the status of the coupon list to "expired"; otherwise, sending a list of all coupons of the user to the user terminal, and displaying coupons in normal status and coupons in abnormal status.

5. The coupon management method based on consumer finance according to claim 1, characterized in that: The coupon management method further includes: receiving a request for querying a specified user's coupon list sent by a user terminal, receiving an input user number and a screening condition, and judging in sequence according to the user number whether the user's coupon has been used for more than a limited number of times or an amount and whether the user's coupon is within a validity period; if both are true, judging according to the screening condition whether the user's coupon meets the loan requirements; if so, sending a coupon list that meets the user's requirements to the user terminal, the list showing coupons in a normal state and / or coupons that have been used for more than a limited number of times / amounts; the screening condition includes: loan type, loan amount, withdrawal type, and usage type.

6. The coupon management method based on consumer finance according to claim 1, characterized in that: The coupon management method further includes: receiving a user loan application form request sent by a user terminal and configured request parameters, wherein the user loan application form request includes a coupon that is desired to be used; querying a list of all available coupons of the user according to the user loan application form request; determining whether all available coupons of the user have been used for more than a limited number of times or an amount, and if so, sending a request failure prompt to the user; otherwise, determining whether the applicable loan types and applicable loan amounts of all available coupons of the user match the loan application of the user, and if so, sending a request failure prompt to the user; otherwise, sending a success message to the user terminal indicating that the loan application has successfully used the specified coupon.

7. The coupon management method based on consumer finance according to claim 1, characterized in that: The coupon management method further includes: receiving an invalidation request for a designated coupon sent by a user terminal, determining whether the designated coupon has been submitted to a designated terminal, and if so, sending the invalidation request for the designated coupon to the designated terminal so that the designated terminal changes the status of the designated coupon to invalid; otherwise, changing the status of the designated coupon to invalid, and sending the result to the user terminal; or, The coupon management method further includes: receiving a coupon collection request sent by a user terminal, determining in sequence whether a user number exists in the coupon collection request, whether the user number has timed out, whether a batch number of the coupon exists, whether a batch date of the coupon meets a third specified time limit, and whether the batch of the coupon has been completely collected, and if all of the above conditions are met, sending a coupon with the smallest coupon number in the batch to the user terminal, otherwise, sending a prompt indicating that the coupon cannot be collected to the user terminal; or, The coupon management method further includes: receiving a repayment request sent by a user terminal, and sending the user's coupon to the user terminal, so that the user terminal uses the coupon to repay the loan.

8. A coupon management system based on consumer finance, characterized in that: include: The coupon dynamic allocation module is configured to: determine the user type based on the user information; If the user is a dormant user, a cash red envelope coupon will be sent to the user terminal of the dormant user; if the user has not settled the account, a loan coupon will be sent to the user terminal of the unsettled user; if the user is encouraged to settle the account among the unsettled users, an early settlement coupon will be sent to the user terminal of the encouraged to settle users among the unsettled users; if the user is a first-time borrower, a discount coupon will be sent to the user terminal of the first-time borrower.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the steps of the coupon management method based on consumer finance as described in any one of claims 1 to 7 are implemented.

10. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the steps in the coupon management method based on consumer finance as described in any one of claims 1 to 7 are implemented.

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