Automatic rate approval method and system in CRM system

Abstract

The invention discloses an automatic rate approval method and system in a CRM system. The method comprises the following steps: judging whether a specific bank product exists or not; if the product is a specific bank product, rate types and product rate options are obtained and displayed, and a salesman selects a product rate from the set options; after filling is completed, the input is submitted; the system judges whether the product rate needs to be approved; if the examination and approval are needed, the appointed examination and approval person performs examination and approval; judging whether the approval is passed; and if the approval is passed, displaying in a signing group list and signing according to a normal signing process, and realizing rapid and accurate approval of the rate through an intelligent rule engine and an automatic approval process. The system significantly reduces the workload of salesmen, improves the examination and approval efficiency, and reduces the risk of human errors. In addition, the system also supports custom rate rules and approval processes, can be flexibly configured according to enterprise requirements, and has strong expandability.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of customer relationship management, specifically to a CRM system internal rate automatic approval method and system, which improves the efficiency and accuracy of rate approval through intelligent means. BACKGROUND

[0002] With the continuous change of business environment and the increasing diversification of customer demand, CRM system plays an increasingly important role in enterprise management. In the current business environment, CRM system has become an important tool for communication and management between enterprises and customers. However, in the process of setting and approving rates, most CRM systems still rely on manual operation and human intervention. This traditional approval method not only increases the workload of business personnel, but also may lead to low efficiency of approval process and human error. With the continuous change of business environment and the increasing diversification of customer demand, enterprises are increasingly in urgent need of efficient and accurate rate approval process. Therefore, the market urgently needs a CRM system that can automatically process rate approval to optimize the approval process and improve the efficiency and accuracy of approval. SUMMARY

[0003] To solve the above technical problems, the present application provides a CRM system internal rate automatic approval method and system, which realizes fast and accurate approval of rates through intelligent rule engine and automatic approval process. The system can significantly reduce the artificial burden, improve the efficiency of approval, and reduce the risk of human error, providing more efficient and reliable solutions for enterprise customer relationship management, including the following steps:

[0004] Determine whether it is a specific bank product;

[0005] If it is a specific bank product, obtain and display the rate type and product rate options, and select the product rate from the set options by the business personnel;

[0006] After completing the filling, submit the application;

[0007] The system determines whether the product rate needs to be approved;

[0008] If it needs to be approved, the designated approver will approve it;

[0009] Determine whether the approval is passed;

[0010] If the approval is passed, display it in the signing group list and sign it according to the normal signing process.

[0011] Preferably, before obtaining and displaying the rate type and product rate options, it also includes: determining whether to add the application, and if so, entering and submitting according to the existing process.

[0012] Preferably, after the product rate is selected by the salesperson from the set options, the department head can be prompted for approval in the CRM dedicated module.

[0013] Preferably, after the submission, if the approval is not passed, the submission is returned to the salesperson, who can modify and resubmit.

[0014] Preferably, after the list of subscription groups is displayed and the subscription is signed according to the normal subscription process, the subscription information is recorded and the database is updated.

[0015] Preferably, after it is determined whether the product rate requires approval, if the approval is not required, the subscription step is directly entered.

[0016] Preferably, when determining whether the submission needs to be added, the submission is handled as a special case.

[0017] Preferably, after determining whether the approval is passed, if the approval is not passed, feedback is provided to the salesperson.

[0018] Preferably, when the product rate is selected by the salesperson from the set options, a default rate option is provided for selection.

[0019] A CRM system rate automatic approval system includes a new submission module, a rate rule triggering module, a system default value display module, a rate adjustment option module, a fill-in submission module, a system judgment and approval module, and an approval result feedback module, to realize the automatic approval process of the rate.

[0020] Technical effects and advantages of the present application:

[0021] 1. The CRM system rate automatic approval method of the present application realizes fast and accurate approval of the rate through intelligent rule engine and automatic approval process.

[0022] 2. The system significantly reduces the work burden of the salesperson, improves the approval efficiency, and reduces the risk of human error.

[0023] 3. The system also supports custom rate rules and approval processes, which can be flexibly configured according to enterprise needs, and has strong scalability. BRIEF DESCRIPTION OF DRAWINGS

[0024] Figure 1 is a flowchart of the CRM system rate automatic approval method provided by the embodiments of the present application.

[0025] Figure 2 is a schematic diagram of the CRM system rate automatic approval system provided by the embodiments of the present application. DETAILED DESCRIPTION

[0026] The application is further described in detail by the following drawings and specific embodiments. The embodiments of the application are given for illustration only without implying any limitation on the application. Numerous modifications and variations supporting simple skill in the art are apparent in light of this disclosure. The embodiment is chosen and described in order to best explain the principles of the application and its practical application to thereby enable others skilled in the art to best utilize the application and various embodiments with various modifications as are suited to the particular use.

[0027] Referring to Figure 1 As shown in the embodiment, a CRM system rate automatic approval method is provided, comprising the following steps:

[0028] Determine whether it is a specific bank product;

[0029] If it is a specific bank product, the rate type and product rate options are obtained and displayed, and the product rate is selected by the salesperson in the set options;

[0030] After filling in, submit the application;

[0031] The system determines whether the product rate needs to be approved;

[0032] If it needs to be approved, the designated approver performs the approval;

[0033] Determine whether the approval is passed;

[0034] If the approval is passed, it is displayed in the signing group list and signed according to the normal signing process.

[0035] Further, before obtaining and displaying the rate type and product rate options, it further comprises: determining whether to add the application, and if so, entering and submitting according to the existing process.

[0036] Further, after the product rate is selected by the salesperson in the set options, the department head can receive a reminder and perform the approval in the CRM special module.

[0037] Further, after submitting the application, if the approval is not passed, it further comprises: the application is returned to the salesperson, and the salesperson can modify and resubmit.

[0038] Further, after being displayed in the signing group list and signed according to the normal signing process, it further comprises: recording the signing information and updating the database.

[0039] Further, after determining whether the product rate needs to be approved, it further comprises: if it does not need to be approved, it directly enters the signing step.

[0040] Further, when judging whether to add new application, it also includes: treating the application as a special case.

[0041] Further, after judging whether the approval passes, it also includes: providing feedback to the salesperson if the approval does not pass.

[0042] Further, when the salesperson selects the product rate in the set options, it also includes: providing a default rate option for selection.

[0043] The CRM system rate automatic approval method of the application realizes fast and accurate rate approval through intelligent rule engine and automatic approval process.

[0044] In a specific embodiment, a CRM system rate automatic approval method is provided, which specifically includes the following steps:

[0045] Add new application, judge whether it is a special bank product, if not, enter and submit according to the existing process, if yes, judge the rate type and product rate to become mandatory value, and automatically display the default value, if the product rate needs to be adjusted, the salesperson selects the product rate in the set options, and then submits the application after completing the filling;

[0046] The system judges whether the product rate needs to be approved, if not, it is displayed in the signing group list and signed according to the normal signing process, if yes, it is approved by the designated approver (such as the department head);

[0047] Judge whether the approval passes, if yes, it is displayed in the signing group list and signed according to the normal signing process, if not, the application is returned to the salesperson, who can modify and resubmit it.

[0048] Further, the department head can receive a reminder and approve it in the CRM special module.

[0049] Further, the department structure and approver setting system.

[0050] Please refer to Figure 2 In the embodiment, a CRM system rate automatic approval system is provided, which includes a new application module, a rate rule triggering module, a system default value display module, a rate adjustment option module, a filling and submission module, a system judgment and approval module, and an approval result feedback module, to realize the automatic approval process of the rate.

[0051] Further, the new application module is the entrance of the system. The salesperson fills in the customer name, product type and other basic information in this module to provide basic data for the subsequent rate approval process. The system will perform preliminary verification on the filled information to ensure the completeness and accuracy of the information. The design of this module aims to simplify the operation process of the salesperson and improve the efficiency of information entry.

[0052] Further: The rate rule triggering module is one of the core of the system. When the salesperson selects a specific product, the module will automatically trigger the preset rate filling rules. These rules are based on the enterprise's rate strategy, ensuring that the rate setting meets the policy requirements. After triggering the rules, the system will automatically display the default rate value for the salesperson to reference and adjust. The design of this module aims to achieve the automation of rate setting, reduce human intervention, and reduce the error rate.

[0053] Further: The system default value display module is responsible for automatically displaying the default rate value after the salesperson selects a specific product. These values include the rate type (such as monthly service rate) and product rate (such as 0.191%). These default values are based on the enterprise's rate strategy preset, aiming to provide reasonable rate reference. The salesperson can adjust according to the actual situation, but the adjusted rate still needs to be judged by the system whether it needs to be approved. This module improves the convenience and accuracy of rate filling.

[0054] Further: The rate adjustment options module provides multiple rate adjustment options for the salesperson to choose the appropriate rate according to the actual situation. For example, the salesperson can choose the preset rate value or manually input other rate values. The system will automatically judge whether the selected rate value needs to be approved by the department head. This increases the flexibility of rate adjustment while ensuring the compliance of the approval process.

[0055] Further: The filling submission module is responsible for receiving the rate information filled by the salesperson and performing preliminary verification. If the information is incomplete or inaccurate, the system will prompt the salesperson to correct it. Once the information is verified, the salesperson can submit the application for approval. The design of this module aims to ensure the accuracy and completeness of the rate information, providing reliable basic data for the subsequent approval process.

[0056] Further: The system judgment and approval module is the core of the system's approval process. This module will automatically judge whether the product rate needs to be approved and submit the application to be approved to the designated approver according to the judgment result. The approver will receive a system reminder and perform the approval operation in the CRM dedicated module. The approval process supports multiple approval methods, such as approval, rejection, and return for modification. The design of this module aims to achieve the automation and intelligence of the approval process, improving the efficiency of the approval process.

[0057] Further, the approval result feedback module is responsible for feeding back the approval result to the business personnel in time. If the approval is passed, the application will continue to be processed according to the normal signing procedure, and the application will be displayed in the signing group list for the business personnel to sign. If the approval is not passed, the system will return the application to the business personnel and mark the reason for the disapproval. The business personnel can modify and resubmit the application for approval. The design of the module aims to ensure the timeliness and accuracy of the approval result and provide clear feedback on the approval for the business personnel.

[0058] In a specific embodiment,

[0059] New application: the business personnel adds a new application in the CRM system, inputs the customer name "Zhang San", and selects the product type "Industrial and Commercial Bank home furnishing installment".

[0060] Rate rule triggering: the system automatically identifies the product type as "Industrial and Commercial Bank home furnishing installment" and triggers the corresponding rate filling rule.

[0061] System automatically displays the default value: the system automatically displays the monthly service rate as "0.191%" and displays it in the operation interface of the business personnel.

[0062] Rate adjustment option: the business personnel adjusts the rate to "0.179%" according to the actual situation.

[0063] Filling and submission: the business personnel confirms that the rate is correct and submits the application.

[0064] System judgment and approval: the system automatically judges that the rate "0.179%" needs to be approved by the department head, and then submits the application to the department head.

[0065] Approval result feedback: the department head receives the approval reminder and performs the approval operation in the CRM special module. After the approval is passed, the application is displayed in the signing group list for the business personnel to sign.

[0066] Through the intelligent rule engine and the automatic approval process, the system realizes the rapid and accurate approval of the rate. The system significantly reduces the work burden of the business personnel, improves the approval efficiency, and reduces the risk of human error. In addition, the system also supports customizing the rate rule and the approval process, which can be flexibly configured according to the enterprise needs, and has strong scalability.

[0067] In another embodiment, to ensure the security of the system, the present application takes the following measures:

[0068] Data encryption, sensitive data (such as customer name, rate information, etc.) in the system are encrypted to prevent data leakage.

[0069] Access control, strict management of access rights to the system, ensuring that only authorized personnel can access and operate the system.

[0070] Logging, record the operation log of the system, so as to trace back and investigate when problems occur.

[0071] In order to improve the performance of the system, the system performance optimization, the invention has taken the following measures:

[0072] Cache mechanism, cache processing of frequently used data (such as rate default value, approval result, etc.), reduce the database access times, improve the system response speed.

[0073] Asynchronous processing, asynchronous processing mode is adopted for time-consuming operation (such as rate approval), to avoid blocking the main thread, improve the system concurrent processing ability.

[0074] Load balancing, through the load balancing technology, the request is distributed to multiple servers for processing, improve the system's carrying capacity and stability.

[0075] Obviously, the described embodiments are only a part of the embodiments of the present application, not all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary skilled in the art and related fields without creative labor should belong to the scope of protection of the present application. The structures, devices and operation methods not specifically described and explained in the present application, if not specially described and limited, are implemented according to the conventional means in the art.

Claims

1. A method for automated rate approval in a CRM system, characterized in that: The steps include: Determine whether it is a specific bank product; If it is a specific bank product, the rate type and product rate options are obtained and displayed, and the salesperson selects the product rate from the set options; After completing the form, submit it; The system determines whether the product rate requires approval; If approval is required, it will be approved by the designated approver; Determine whether the approval is passed; If approved, it will be displayed in the signing group list and signed according to the normal signing process.

2. A method and system for automatic rate approval in a CRM system according to claim 1, characterized in that: Before obtaining and displaying the rate type and product rate options, it also includes: determining whether a new application is required. If so, enter and submit it according to the existing process.

3. The method and system for automated rate approval in a CRM system according to claim 1, characterized in that: After the salesperson selects the product rate from the set options, it also includes: the department head can receive a reminder and approve it in the CRM dedicated module.

4. The method and system for automated rate approval in a CRM system according to claim 1, characterized in that: After submitting the application, if it fails to pass the review, it will also include: the application will be returned to the salesperson, who can modify it and resubmit it.

5. The method and system for automated rate approval in a CRM system according to claim 1, characterized in that: After being displayed in the contract signing group list and signed according to the normal contract signing process, it also includes: recording the contract signing information and updating the database.

6. A method and system for automatic rate approval in a CRM system according to claim 1, characterized in that: After determining whether the product rate requires approval, it also includes: if approval is not required, directly proceed to the signing step.

7. The method and system for automatic rate approval in a CRM system according to claim 1, characterized in that: When determining whether a new submission is needed, it also includes: treating the submission as a special case.

8. The method and system for automatic rate approval in a CRM system according to claim 1, characterized in that: After determining whether the approval is passed, it also includes: if the approval is not passed, providing feedback to the salesperson.

9. The method and system for automatic rate approval in a CRM system according to claim 1, characterized in that: When the salesperson selects the product rate from the set options, it also includes: providing a default rate option for selection.

10. A system for automatically approving rates within a CRM system, using the method for automatically approving rates within a CRM system according to any one of claims 1 to 9, characterized in that: It includes a new submission module, a rate rule trigger module, a system default value module, a rate adjustment option module, a filling and submission module, a system judgment and approval module, and an approval result feedback module to realize an automated rate approval process.

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