Financial business management system, management method and readable storage medium

Abstract

The invention discloses a financial service management system, and the system comprises a channel network construction module which is used for creating and maintaining a multi-stage channel relation network; the intelligent state machine engine module is used for managing customer full life cycle state circulation; the multi-level profit sharing calculation engine module is used for executing accurate channel commission calculation; the service data middle station module is used for aggregating and analyzing service data; according to the invention, a credible channel relation network is established through a block chain technology, channel disputes are prevented, commission calculation and distribution are automatically executed by using an intelligent contract, the settlement efficiency is greatly improved, whole-process data chaining is realized, and tampering resistance of service data is ensured.

Description

Technical Field

[0001] This invention relates to the field of financial technology, specifically to a financial business management system applicable to the channel business expansion and management of financial institutions such as banks, consumer finance companies, and internet finance platforms. Background Technology

[0002] Current financial channel business management faces the following technical bottlenecks: Inefficient channel relationship management: Traditional methods rely on manual recording of channel referral relationships, making it difficult to construct a complete channel network map, leading to frequent channel conflicts and low management efficiency. Existing systems such as CN201910345678.9, although proposing channel relationship management solutions, lack visualization analysis capabilities and dynamic update mechanisms.

[0003] Customer status transition is lagging: Customer lifecycle management uses discrete status records and lacks an automated status transition mechanism, resulting in low efficiency in business follow-up. Compared with the customer status management system in literature CN202010123456.7, its status transition requires manual triggering and cannot achieve automatic linkage of business processes.

[0004] Insufficient accuracy in commission calculation: The complexity of multi-level channel commission calculation is high. Existing systems such as CN202110234567.8 rely on fixed rules and manual review, which makes it difficult to adapt to flexible and ever-changing business scenarios, resulting in a persistently high error rate.

[0005] The problem of business data silos: Channel data, customer data, and transaction data are stored in a scattered manner, lacking unified data aggregation and analysis capabilities, leading to delayed business decisions. Even with the data integration solution proposed in CN202210345678.9, the data processing latency is still as high as several hours.

[0006] Lack of real-time collaboration capabilities: There is a lack of efficient collaboration mechanisms between sales personnel, channels, and customers, resulting in untimely notifications of key business milestones. Existing notification systems, such as CN202310456789.0, employ a polling mechanism, which cannot guarantee real-time performance.

[0007] Traditional financial channel business processing suffers from the following technical deficiencies: channel development lacks systematic management tools, making it difficult to trace and verify referral relationships; customer follow-up status updates are not timely, resulting in low business flow efficiency; multi-level channel commission calculation is complex and prone to errors due to reliance on manual calculation; channel data is separated from business data, making it difficult to form a complete business view; and there is a lack of real-time data feedback mechanisms, leading to delayed business decisions.

[0008] Existing technologies such as CN110598987A disclose a financial channel commission management system, but it has shortcomings in terms of channel relationship visualization and automatic business status flow; CN111080146A proposes a blockchain-based financial channel management system, but the system is complex, has high implementation costs, and is difficult to promote in small and medium-sized financial institutions. Summary of the Invention

[0009] To address the aforementioned technical problems, this invention provides a financial business management system, comprising: a channel network construction module for creating and maintaining a multi-level channel relationship network; an intelligent state machine engine module for managing the state transitions throughout the entire customer lifecycle; a multi-level profit-sharing calculation engine module for performing accurate channel commission calculations; a business data platform module for aggregating and analyzing business data; and a real-time collaborative notification system for pushing key business notifications.

[0010] Preferably, the channel network construction module includes: a unique identifier generation unit for creating non-repeatable channel invitation codes; a channel registration management unit for recording channel customer registration information; a network graph construction unit for constructing a channel relationship network based on graph database technology; and a network analysis and query unit for providing multi-dimensional analysis capabilities of the channel network.

[0011] Preferably, the intelligent state machine engine includes: a state model definition unit for configuring customer states and transition rules; a state change processing unit for executing state transitions and business linkages; a state history tracing unit for recording the entire state change process; and an abnormal state processing unit for handling abnormal state transition situations.

[0012] Preferably, the multi-level commission sharing calculation engine includes: a rule configuration management unit for defining commission calculation rules; a commission sharing path calculation unit for determining the commission sharing path based on the channel network topology; a commission calculation execution unit for calculating commissions for each level of channel according to the rules; and a settlement review and allocation unit for reviewing and executing commission allocation.

[0013] Preferably, the business data platform includes: a real-time data acquisition unit for capturing changes in business data; a data cleaning and transformation unit for handling data quality issues; an indicator calculation engine for calculating business indicators in real time; and an analysis model service for providing predefined analysis models.

[0014] Preferably, the real-time collaborative notification system includes: a business event definition unit for registering key business events; a notification content generation unit for dynamically generating notification content; a multi-channel adaptation unit for supporting multiple notification methods; and a notification status tracking unit for monitoring notification delivery status.

[0015] A financial business management method based on multi-level channel collaboration includes the following steps:

[0016] Build a multi-level channel relationship network; manage the entire customer lifecycle status flow; execute accurate multi-level channel commission calculations; aggregate and analyze business data; and push key business notifications.

[0017] Preferably, the step of constructing the channel relationship network includes:

[0018] Generate unique channel invitation codes; record channel customer registration information; construct a channel network map; analyze channel network relationships.

[0019] Preferably, the steps for managing customer status transitions include:

[0020] Define the customer state model; configure state transition rules; execute state change processing; and record the state change history.

[0021] A computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of any of the methods described in 7-9 above.

[0022] The technical effects and advantages of this invention are as follows:

[0023] 1. This invention establishes a trusted channel relationship network through blockchain technology to prevent channel disputes, and uses smart contracts to automatically execute commission calculation and distribution, which greatly improves settlement efficiency, realizes full-process data on-chain, and ensures the immutability of business data.

[0024] 2. This invention provides real-time visualized channel performance statistics and analysis functions, reducing channel management costs for financial institutions and improving operational efficiency. Attached Figure Description

[0025] Figure 1 This is a schematic diagram of the financial business management system structure provided in the embodiments of this application; Detailed Implementation

[0026] The present invention will now be described in further detail with reference to the accompanying drawings and specific embodiments. The embodiments of the present invention are given for illustrative and descriptive purposes only, and are not intended to be exhaustive or to limit the invention to the forms disclosed. Many modifications and variations will be apparent to those skilled in the art. The embodiments were chosen and described to better illustrate the principles and practical application of the invention, and to enable those skilled in the art to understand the invention and design various embodiments with various modifications suitable for a particular purpose.

[0027] Please see Figure 1This embodiment provides a financial business management system, including a channel network construction module for creating and maintaining a multi-level channel relationship network; an intelligent state machine engine module for managing the state transitions throughout the entire customer lifecycle; a multi-level profit-sharing calculation engine module for performing accurate channel commission calculations; a business data platform module for aggregating and analyzing business data; and a real-time collaborative notification system for pushing key business notifications.

[0028] Furthermore, the channel network construction module includes: a unique identifier generation unit for creating non-repeatable channel invitation codes; a channel registration management unit for recording channel customer registration information; a network graph construction unit for constructing a channel relationship network based on graph database technology; and a network analysis and query unit for providing multi-dimensional analysis capabilities for the channel network.

[0029] Furthermore, the intelligent state machine engine includes: a state model definition unit for configuring customer states and transition rules; a state change processing unit for executing state transitions and business linkages; a state history tracing unit for recording the entire state change process; and an abnormal state processing unit for handling abnormal state transition situations.

[0030] Furthermore, the multi-level commission sharing calculation engine includes: a rule configuration management unit for defining commission calculation rules; a commission sharing path calculation unit for determining the commission sharing path based on the channel network topology; a commission calculation execution unit for calculating commissions for each level of channel according to the rules; and a settlement review and allocation unit for reviewing and executing commission allocation.

[0031] Furthermore, the business data platform includes: a real-time data acquisition unit for capturing business data changes; a data cleaning and transformation unit for handling data quality issues; an indicator calculation engine for calculating business indicators in real time; and an analysis model service for providing predefined analysis models.

[0032] Furthermore, the real-time collaborative notification system includes: a business event definition unit for registering key business events; a notification content generation unit for dynamically generating notification content; a multi-channel adaptation unit for supporting multiple notification methods; and a notification status tracking unit for monitoring notification delivery status.

[0033] A financial business management method based on multi-level channel collaboration includes the following steps:

[0034] Build a multi-level channel relationship network; manage the entire customer lifecycle status flow; execute accurate multi-level channel commission calculations; aggregate and analyze business data; and push key business notifications.

[0035] Furthermore, the step of constructing the channel relationship network includes:

[0036] Generate unique channel invitation codes; record channel customer registration information; construct a channel network map; analyze channel network relationships.

[0037] Furthermore, the steps for managing customer status transitions include:

[0038] Define the customer state model; configure state transition rules; execute state change processing; and record the state change history.

[0039] A computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of any of the methods described in 7-9 above.

[0040] In one specific implementation, a blockchain-based intelligent management system for financial channels includes the following core modules: a channel development module, which records channel invitation relationships through blockchain and generates tamper-proof invitation codes and registration information; a customer management module, which uses smart contracts to automatically track changes in customer status and automate the application process; a commission settlement module, which automatically calculates multi-level channel commissions based on preset rules and executes revenue sharing through smart contracts; a data verification module, which uses blockchain technology to ensure the authenticity and integrity of channel data, customer data, and transaction data; and an access control module, which implements role-based fine-grained access control to ensure data security.

[0041] Specifically, sales staff generate blockchain-anchored invitation codes through WeChat CRM. When channel customers scan the code to register, their registration information and invitation relationships are written to the blockchain as transaction records. The system automatically constructs a channel relationship graph and can verify the referral relationship between any two channels through smart contracts.

[0042] Specifically, customer status transitions trigger the execution of smart contracts, and each status change is recorded and stored on the blockchain. When a salesperson updates a customer's status in the CRM, the system automatically verifies the operation permissions and generates a blockchain transaction, ensuring the non-repudiation of status changes.

[0043] Specifically, commission settlement rules are deployed on the blockchain in the form of smart contracts, automatically triggering the settlement process when settlement conditions are met (such as successful customer withdrawal). The system supports multi-level channel commission splitting calculations and completes automatic payments through API integration with the banking system.

[0044] In one specific implementation,

[0045] Example 1: Channel Development Process

[0046] Salesperson A opens Yishu CRM in WeChat Work, clicks on

Yishubao

Invitation Code

[0047] Example 2: Customer Status Management

[0048] After channel C submits customer D's application information, salesperson E updates the status to "under contract" in the CRM, triggering the execution of the smart contract, automatically transmitting the customer information to the application system, and simultaneously recording the status change on the blockchain.

[0049] Example 3: Commission Settlement

[0050] After customer F successfully makes the payment, the system automatically queries the referral chain: channel G → channel H → salesperson I. Commissions at each level are calculated according to preset rules (e.g., G receives 50%, H receives 30%, and I receives 20%), and automatically distributed to the linked accounts of each party via smart contract.

[0051] This invention can be widely applied to: bank credit card channel management, consumer finance company agent management, internet insurance agency channel management, and other financial business scenarios that require a multi-level distribution system.

[0052] Obviously, the described embodiments are only a part of the embodiments of the present invention, and not all of them. All other embodiments obtained by those skilled in the art and related fields based on the embodiments of the present invention without inventive effort should fall within the scope of protection of the present invention. Structures, devices, and operating methods not specifically described and explained in the present invention, unless otherwise specified or limited, shall be implemented according to conventional means in the art.

Claims

1. A financial services management system, characterized by, The system comprises a channel network construction module for creating and maintaining a multi-level channel relationship network; an intelligent state machine engine module for managing customer lifecycle state transition; a multi-level commission calculation engine module for performing accurate channel commission calculation; a business data center module for aggregating and analyzing business data; and a real-time collaborative notification system for pushing key business notifications.

2. The financial services management system of claim 1, wherein, The channel network construction module comprises a unique identification generation unit for creating non-repetitive channel invitation codes; a channel registration management unit for recording channel customer registration information; a network graph construction unit for constructing a channel relationship network based on graph database technology; and a network analysis query unit for providing multi-dimensional analysis capabilities of the channel network.

3. The financial services management system of claim 1, wherein, The intelligent state machine engine comprises a state model definition unit for configuring customer state and transition rules; a state change processing unit for performing state transition and business linkage; a state history tracking unit for recording the entire process of state change; and an abnormal state processing unit for handling state transition exceptions.

4. The financial services management system of claim 1, wherein, The multi-level commission calculation engine comprises a rule configuration management unit for defining commission calculation rules; a commission path calculation unit for determining commission paths based on channel network topology; a commission calculation execution unit for calculating channel commission at each level according to the rules; and a settlement audit and distribution unit for auditing and executing commission distribution.

5. The financial services management system of claim 1, wherein, The business data center comprises a real-time data acquisition unit for capturing business data changes; a data cleaning and conversion unit for processing data quality issues; an index calculation engine for real-time calculation of business indicators; and an analysis model service for providing predefined analysis models.

6. The financial services management system of claim 1, wherein, The real-time collaborative notification system comprises a business event definition unit for registering key business events; a notification content generation unit for dynamically generating notification content; a multi-channel adaptation unit supporting multiple notification methods; and a notification state tracking unit for monitoring notification delivery status.

7. The management method of a financial services management system according to any one of claims 1 to 6, characterized in that, The method comprises the following steps: constructing a multi-level channel relationship network; managing customer lifecycle state transition; performing accurate multi-level channel commission calculation; aggregating and analyzing business data; and pushing key business notifications.

8. The multi-level channel coordination based financial service management method according to claim 7, characterized in that, The step of constructing a channel relationship network comprises: generating a unique channel invitation code; recording channel customer registration information; constructing a channel network graph; and analyzing channel network relationships.

9. The multi-level channel coordination based financial service management method according to claim 1, characterized in that, The step of managing customer state transition comprises: defining a customer state model; configuring state transition rules; performing state change processing; and recording state change history.

10. A computer-readable storage medium having stored thereon a computer program, characterized in that, The program, when executed by a processor, implements the steps of the method of any one of 7-9.

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