Financial service management system and method

Abstract

The invention discloses a financial business management system and method, and relates to the technical field of financial management, and the system comprises a clue module which is used for inputting or importing potential customers of different sources, carrying out the public sea pool management of invalid customers, and importing customers of a relatively large scale, and also comprises a customer module which is used for carrying out the public sea pool management of the invalid customers. The financial service management system comprises a client module used for inputting, checking, newly adding, modifying and deleting client information, converting clue clients and recording client follow-up, and further comprises a product module used for setting service charges and product classification, carrying out related setting on banks, products and branch banks and setting display logic in a service process. By integrating the clue module, the client module, the product module, the business module, the account checking module and the OA module, efficient integration and management of all links of the financial business are realized.

Description

Technical Field

[0001] This invention relates to the field of financial management technology, specifically to a financial business management system and method. Background Technology

[0002] Financial business operations involve multiple stages, including potential customer management, customer information maintenance, product setup, business process implementation, reconciliation, and internal management. Traditional financial business management methods often suffer from problems such as fragmented stages, lack of information sharing, and inefficient process implementation, resulting in low business processing efficiency and failing to meet the demands of rapid and efficient modern financial operations. Therefore, those skilled in the art provide a financial business management system and method to address the problems mentioned in the background. Summary of the Invention

[0003] To address the aforementioned technical problems, this invention provides a financial business management system and method, including a lead module for inputting or importing potential customers from different sources, managing a pool of invalid customers, and importing customers from a larger number of channels.

[0004] Preferred options include a customer module for entering, viewing, adding, modifying, and deleting customer information, as well as recording lead conversions and customer follow-up.

[0005] Preferred options include a product module for setting service fees, product categories, and related settings for banks, products, and branches, as well as for setting display logic in business processes.

[0006] Preferred: Includes a business module for managing business processes, which include stages such as pending application, application submitted, bank approval in progress, approval completed, approval completed and awaiting disbursement, disbursement completed and awaiting withdrawal, and withdrawal completed.

[0007] Preferred option: During the pending submission stage, this is used to match customer needs and select the corresponding product, but no actual contract has been signed.

[0008] Preferred: In the application stage, it is used to mark that the customer has signed a contract at the branch.

[0009] Preferred: During the bank approval stage, it is used to follow up with customers, obtain specific information about the products they are applying for, and update the fields.

[0010] Preferred options include a reconciliation module for reconciliation-related operations, such as filtering, confirming reconciliation, generating and exporting statements, importing statements after completing branch reconciliation, automatically generating work orders based on field differences and sending them to the corresponding salesperson for verification and confirmation, and completing and confirming statements.

[0011] Preferably, the filtering can be based on custom dimension fields, including month, product, and branch.

[0012] A financial business management method includes the following steps:

[0013] Use the lead module to input, import, and manage potential customers;

[0014] Customer information is managed throughout its entire lifecycle through the customer module;

[0015] Complete product-related settings through the product module;

[0016] Use business modules to manage each stage of the business process;

[0017] Reconciliation transactions are handled through the reconciliation module;

[0018] Use the OA module to assist in internal management and customer follow-up reminders.

[0019] The technical effects and advantages of this invention are as follows:

[0020] 1. The financial business management system and method of the present invention achieve efficient integration and management of various aspects of financial business by integrating the lead module, customer module, product module, business module, reconciliation module and OA module.

[0021] 2. The modules of this invention communicate with each other and have smooth process connections, which can significantly improve business processing efficiency, meet the needs of modern financial business to carry out fast and efficient operations, and also help improve internal management level and customer service quality. Attached Figure Description

[0022] Figure 1 This is a schematic diagram of the financial business management system provided in the embodiments of this application;

[0023] Figure 2 This is a schematic diagram of the financial business management method provided in the embodiments of this application. Detailed Implementation

[0024] 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.

[0025] Please see Figures 1-2This embodiment provides a financial business management system, which includes a lead module, a customer module, a product module, a business module, a reconciliation module, and an OA module.

[0026] Furthermore, this system includes a lead generation module for inputting or importing potential customers from different sources, managing a pool of invalid customers, and importing customers from larger channels.

[0027] Specifically, the lead module is responsible for inputting and importing potential customers from different sources, aggregating potential customer information from various channels. It also establishes a pool of invalid customers for centralized management and can be used to import customers from larger channels, meeting the needs of large-scale customer information import.

[0028] Furthermore, this system also includes a customer module, which is used for the entry, viewing, addition, modification, and deletion of customer information, as well as the conversion of lead customers and customer follow-up records.

[0029] Specifically, the customer module supports full lifecycle operations for customer information, including customer information entry for easy initial registration; viewing customer information for better understanding of customer situations; adding new customer information to promptly add new customers; modifying customer information to ensure accuracy; deleting useless customer information; converting leads; and recording customer follow-up.

[0030] Furthermore, this system also includes a product module, which is used to set service fees, product categories, and related settings for banks, products, and branches, as well as to set the display logic in business processes.

[0031] Specifically, the product module is used to set service fees and clarify the service fee standards for products; to set product categories for easy management of different types of products; to set up relevant settings for banks, products, and branches to build a hierarchical structure related to products; and to set up the display logic in business processes to make the business processes clearer and more reasonable.

[0032] Furthermore, this system includes a business module for managing business processes, which include stages such as pending application, submitted application, bank approval in progress, approval completed, approval completed and awaiting disbursement, disbursement completed and awaiting withdrawal, and withdrawal completed.

[0033] Furthermore, during the pending submission stage, the process is used to match customer needs and select corresponding products, but no actual contract is signed.

[0034] Furthermore, in the "application has been submitted" stage, it is used to mark that the customer has signed a contract at the branch.

[0035] Furthermore, during the bank's approval process, this is used to follow up with the customer, obtain specific information about the product they are applying for, and update the fields accordingly.

[0036] Specifically, the business module manages all stages of the business process, including: the pending application stage (matching customer needs and selecting corresponding products, but no actual contract signing); the completed application stage (marking the customer as having signed a contract at a branch); the bank approval stage (following up on the customer's application to obtain specific product information and updating fields); the approval completed and approval completed awaiting disbursement stage (following up on the customer and updating fields based on the actual product situation); the disbursement completed and awaiting withdrawal stage (following up on the customer's withdrawal status and updating fields); and the withdrawal completed stage (confirming the customer's withdrawal status and updating fields). Through the management of each stage, the business process is promoted to proceed in an orderly manner.

[0037] Furthermore, this system also includes a reconciliation module for reconciliation-related operations, including filtering, confirming reconciliation, generating and exporting statements, importing statements after completing branch reconciliation, automatically generating work orders based on field differences and sending them to the corresponding salesperson for verification and confirmation, and completing and confirming statements.

[0038] Furthermore, filtering can be based on custom dimension fields, including month, product, and branch.

[0039] The reconciliation module handles reconciliation-related operations, including filtering based on custom dimension fields (such as month, product, branch, etc.) to easily obtain reconciliation data under specific conditions; confirming reconciliations, generating and exporting statements for easy retention and use; completing branch reconciliations, importing reconciliation statements to integrate reconciliation data; automatically generating work orders based on field differences and sending them to the corresponding salesperson for verification and confirmation to improve the accuracy of reconciliations; and completing the reconciliation confirmation statement to ensure a closed loop in the reconciliation process.

[0040] OA module: Assists in internal management and customer follow-up reminders. Based on the assignment, claim, and customer follow-up records, it reminds sales staff to follow up with customers regularly to ensure the timeliness of customer follow-up; it verifies and confirms business work orders to ensure the accuracy of invoice verification; it publishes internal announcements to achieve effective internal information transmission; and it performs other related operations to meet the diverse needs of internal management.

[0041] A financial business management method includes the following steps:

[0042] The Leads module is used for the entry, import, and management of potential customers; the Customer module is used for full lifecycle management of customer information; the Product module is used for product-related settings; the Business module is used to manage each stage of the business process; the Reconciliation module is used to handle reconciliation transactions; and the OA module is used to assist in internal management and provide customer follow-up reminders.

[0043] In one specific implementation, the method, based on the aforementioned financial business management system, includes the following steps:

[0044] The lead module is used to input, import, and manage potential customers, providing potential customer resources for subsequent business development.

[0045] The customer module enables full lifecycle management of customer information, from initial data entry to subsequent modifications, deletions, lead conversions, and follow-up records, providing a comprehensive understanding of customer situations.

[0046] The product module allows users to complete product-related settings, including service fees, product categories, bank, product, and branch-related settings, as well as business process display logic settings, providing product-level support for business operations.

[0047] The business modules are used to manage each stage of the business process, and the business is promoted in an orderly manner from the waiting to the completion of the disbursement, so as to ensure the smooth flow of the business process.

[0048] The reconciliation module handles reconciliation transactions, enabling accurate reconciliation through operations such as filtering, generating invoices, importing reconciliation invoices, and automatically generating work orders for verification.

[0049] The OA module is used to assist in internal management and customer follow-up reminders. By reminding sales staff to follow up with customers, check invoices, and issue announcements, the efficiency of internal management and the quality of customer follow-up can be improved.

[0050] The financial business management system and method of this invention achieve efficient integration and management of all aspects of financial business by integrating lead modules, customer modules, product modules, business modules, reconciliation modules, and OA modules. The seamless information exchange and smooth process flow between modules significantly improves business processing efficiency, meeting the demands of rapid and efficient modern financial operations, while also contributing to enhanced internal management and customer service quality.

[0051] In one specific implementation, the system includes a lead management module, a customer management module, a product management module, a business management module, an account reconciliation management module, and an OA management module. These modules work together to achieve information management of the entire financial business process.

[0052] Lead Management Module: Responsible for collecting and managing potential customers from multiple channels. It allows users to input or import potential customer information from various sources, including online promotions (such as online advertising, financial platform traffic generation, etc.) and offline activities (such as exhibitions, lectures, etc.). Simultaneously, it establishes a public pool of invalid customers for centralized management of those deemed ineffective, facilitating potential redevelopment. It also supports the batch import of customers from larger channels, meeting the needs of financial institutions to expand their customer base.

[0053] Customer Management Module: This module manages customer information throughout its entire lifecycle. It allows users to input basic customer information (such as name, contact information, and identity information) and business-related information (such as historical business records and risk ratings); view customer information for business personnel to understand customer situations; add new customer information to promptly include newly developed customers; modify customer information to ensure accuracy and timeliness; delete invalid or erroneous customer information; convert leads into formal customers; and record detailed information about customer follow-up, such as communication content and changes in needs.

[0054] The Product Management module allows for the setup and management of various aspects related to financial products. It enables setting service fee standards for different financial products, clarifying the calculation and collection methods for service fees; classifying financial products, such as by product type (credit, wealth management, insurance, etc.) and risk level, for easier management and promotion; configuring banks (partner banks), specific financial products, and branches (business-handling branches) to build product hierarchy and relationships; and setting the display logic of information in business processes, including display rules for process nodes and priority rules for different types of information, making business process display clearer and more logical, facilitating operation and tracking by business personnel.

[0055] The Business Management Module provides comprehensive multi-stage management of financial business processes. The business process covers the following stages: **Pending Application Stage:** Based on customer needs profiles, corresponding financial products are accurately matched, but no actual contract has been signed yet. **Application Completed Stage:** Details of the customer's contract signing at the branch are recorded, such as signing time and personnel. **Bank Approval Stage:** Follow up with the customer to obtain specific information about the applied product (e.g., credit limit, term) and update relevant fields in the system promptly. **Approval Completed / Approval Completed Awaiting Disbursement Stage:** Follow up with the customer and update fields based on the actual product situation (whether a disbursement request is required). **Disbursement Completed Awaiting Disbursement Stage:** Follow up with the customer to understand their disbursement status and update fields. **Disbursement Completed Stage:** Confirm the customer's disbursement status and update fields. Through the management of each stage, the business process is promoted to be orderly and efficient.

[0056] The reconciliation management module conducts multi-dimensional account reconciliation. It allows filtering of reconciliation data based on custom dimension fields (such as month, product type, branch where the transaction was processed), facilitating the acquisition of reconciliation information under specific conditions. After reconciliation confirmation, it generates exportable statements for subsequent account archiving and analysis. It completes reconciliation between branches and imports reconciliation statements. When discrepancies are found in fields, it automatically generates work orders and sends them to the corresponding salesperson, requiring verification and confirmation. Finally, it completes the reconciliation confirmation statement, ensuring the accuracy and closed-loop management of account reconciliation. Furthermore, custom dimension fields can be flexibly added, removed, and adjusted according to actual business needs, improving the adaptability of reconciliation.

[0057] OA Management Module: Assists financial institutions in internal office work and customer follow-up management. Based on customer allocation, claiming status, and customer follow-up records, it automatically reminds sales staff to regularly follow up with customers, ensuring timely customer service; it verifies and confirms bills and work orders to ensure the accuracy of bill reconciliation results; it publishes internal announcements to disseminate company policies, notices, and other information; and it can also perform other related operations, such as internal process approvals (e.g., leave requests, expense reimbursements), and data sharing, improving internal office collaboration efficiency.

[0058] Comprehensive Management Methods for Financial Business

[0059] This method, based on the aforementioned integrated financial business management system, achieves efficient management of financial business through the coordinated operation of its various modules. The specific steps are as follows:

[0060] The lead management module allows users to input, import, and categorize potential customers acquired through online promotions, offline events, and other channels. Invalid customers are added to the public pool, and the module also supports the batch import of customers from large-scale channels.

[0061] The customer management module enables full lifecycle management of customer information, including entering, viewing, adding, modifying, and deleting customer information, converting leads into customers, and recording customer follow-up details.

[0062] Using the product management module, you can set up financial product service fees, product categories, configure banks, products, and branches, and set up the display logic for information in business processes.

[0063] By utilizing the business management module, we can promote the orderly development of each stage of the business process, automatically or manually transition between stages based on business progress, and update relevant information in a timely manner.

[0064] Relying on the reconciliation management module, multi-dimensional reconciliation operations can be implemented. Reconciliation data can be filtered based on custom dimension fields, and invoices can be generated and exported. Branch reconciliation and invoice import can be completed, field differences can be processed and work orders can be generated, and finally, the reconciliation confirmation invoice can be completed. Reconciliation difference analysis reports can also be generated.

[0065] The OA management module enables customer follow-up reminders to ensure sales staff keep up with customers in a timely manner; it also facilitates bill reconciliation and confirmation of business work orders; and it allows for the issuance of internal announcements, internal process approvals, data sharing, and other related operations, thereby improving internal office collaboration efficiency.

[0066] 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 business management system, characterized in that, It includes a lead generation module for inputting or importing potential customers from different sources, managing a pool of invalid customers, and importing customers from larger channels.

2. The financial business management system according to claim 1, characterized in that, It also includes a customer module, which is used for entering, viewing, adding, modifying, and deleting customer information, as well as recording the conversion of leads and customer follow-up.

3. A financial business management system according to claim 1, characterized in that, It also includes a product module, which is used to set service fees, product categories, and related settings for banks, products, and branches, as well as to set the display logic in business processes.

4. A financial business management system according to claim 1, characterized in that, It includes a business module for managing business processes, which include stages such as pending application, application submitted, bank approval in progress, approval completed, approval completed and awaiting disbursement, disbursement completed and awaiting withdrawal, and withdrawal completed.

5. A financial business management system according to claim 4, characterized in that, During the pending submission stage, the process is used to match customer needs and select corresponding products, but no actual contract has been signed.

6. A financial business management system according to claim 4, characterized in that, In the "application has been submitted" stage, this is used to mark that the customer has signed a contract at the branch.

7. A financial business management system according to claim 6, characterized in that, During the bank's approval process, this is used to follow up with customers, obtain specific information about the products they are applying for, and update the fields accordingly.

8. A financial business management system according to claim 1, characterized in that, It also includes a reconciliation module for reconciliation-related operations, including filtering, confirming reconciliation, generating and exporting statements, importing statements after completing branch reconciliation, automatically generating work orders based on field differences and sending them to the corresponding salesperson for verification and confirmation, and completing and confirming statements.

9. A financial business management system according to claim 8, characterized in that, The filtering can be based on custom dimension fields, including month, product, and branch.

10. The method of the financial business management system according to any one of claims 1-9, characterized in that, Includes the following steps: Use the lead module to input, import, and manage potential customers; Customer information is managed throughout its entire lifecycle through the customer module; Complete product-related settings through the product module; Use business modules to manage each stage of the business process; Reconciliation transactions are handled through the reconciliation module; Use the OA module to assist in internal management and customer follow-up reminders.

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