A bank credit gift customization whole-process management system

Abstract

The application discloses a bank credit gift customization full-process management system, and relates to the technical field of management systems.The management system comprises a user customization interaction module, a bank credit management module, a compliance audit module, a supplier management module, a full-process tracking module, a settlement module, an after-sales processing module and a data analysis reuse module.The system supports users to independently select a gift basic template, material, process and various personalized elements, and simultaneously provides AI-assisted design and 3D real-time preview functions, so that the users can intuitively participate in the customization process and obtain exclusive gifts that meet their own preferences, thereby achieving the effect of fully meeting the personalized gift needs of the users, significantly improving the actual use value and attractiveness of the bank credit, effectively improving the credit exchange rate, improving the overall experience of the users in credit exchange, and further enhancing the recognition and loyalty of the users to the bank.

Description

Technical Field

[0001] This invention relates to the field of management system technology, specifically to a full-process management system for customizing bank points-based gifts. Background Technology

[0002] Bank points rewards refer to a customer incentive mechanism where banks (especially credit card issuers) reward customers for their spending behavior, allowing cardholders to use accumulated points to redeem various physical goods, services, or virtual benefits. Currently, major banks have established their own points systems, where users earn points through spending, wealth management, and business transactions, and then redeem various goods and services in the points mall.

[0003] Existing bank points systems generally adopt a standardized bulk purchase and redemption model for goods, lacking the ability to manage personalized gifts and the entire process of personalized gift digital management. As a result, they cannot meet the growing demand for personalized gifts from users, and also lead to a series of problems such as serious backlog of bank inventory, low efficiency in cooperation with suppliers, and waste of resources. Ultimately, this results in a persistently low bank points redemption rate, limited effect on improving user loyalty, high operating costs of points malls, and a poor experience in redeeming points gifts. Summary of the Invention

[0004] To address the shortcomings of existing technologies, this invention provides a full-process management system for customizing bank points-based gifts, solving the problems mentioned in the background section.

[0005] To achieve the above objectives, the present invention provides the following technical solution: a full-process management system for customizing bank points-based gifts, the management system comprising: The user-customized interaction module is used to receive users' requests for customized points gifts, provide AI-assisted design and 3D real-time preview functions, and generate standardized customized orders. The bank points management module is used to verify the user's points balance, calculate the points required for customized gifts, and complete points deduction and freezing operations. The compliance review module is used for automatic review and manual verification of customized content to ensure that customized gifts comply with financial regulatory requirements and bank brand standards. The supplier management module is used to manage customized supplier information, match corresponding suppliers according to customized needs, and ensure full-chain collaborative supervision of design, production and quality inspection. The end-to-end tracking module records and displays the status of customized orders from request submission to delivery and acceptance, pushes progress notifications to users and banks, and generates a digital identifier for each gift. The settlement module is used to confirm the supplier's performance status according to different stages of order execution and release settlement funds proportionally. The after-sales processing module is used to receive user after-sales requests, assess the reasonableness of the requests, and generate corresponding processing solutions. The data analysis and reuse module is used to collect and analyze customized data, providing banks with user profiles, popular customization trends, and supply chain optimization suggestions. Popular user-customized gifts are then templated and listed on the points redemption mall, allowing users to quickly reuse customized gifts.

[0006] Preferably, the user-customized interaction module includes: a customization requirement collection unit, an AI-assisted design unit, a preview unit, and an order confirmation unit; The customized requirements collection unit is used to collect the basic gift template, material, craftsmanship, personalized elements and delivery information selected by the user; The AI-assisted design unit generates customized gift design schemes based on prompts entered by the user, and supports users to modify text content, font, color, position and images online; The preview unit is used to generate a 3D model of a customized gift, allowing users to rotate and zoom in on details. The order confirmation section displays detailed information about the customized gift, including the required redemption points and estimated delivery time, allowing users to confirm their order.

[0007] Preferably, the bank points management module includes: a points verification unit, a points calculation unit, a points operation unit, and a points reconciliation unit; The points verification unit is used to interface with the bank's points system to verify the authenticity of the user's points account and the current balance; The points calculation unit is used to calculate the points required for customized gifts based on the material cost, processing cost, logistics cost and taxes of the customized gifts, combined with the bank's points value standard; The points operation unit is used to freeze the corresponding points after the user confirms the order, deduct the points after the customized gift is delivered, and unfreeze or return the points when the order is cancelled. The points reconciliation unit is used to periodically convert points into currency with suppliers and generate reconciliation reports that include order details, settlement amount, and settlement time.

[0008] Preferably, the compliance audit module includes: an audit unit, a brand compliance audit unit, and an audit record unit; The review unit is used to screen customized content for illegal, non-compliant, sensitive, and infringing content through image recognition and text detection technologies. It also conducts manual review of content that fails the automatic review or is questionable, and provides a decision and reasons for passing or failing the review. The Brand Guidelines Review Unit is used to check whether the use of bank icons, names, and slogans in customized content complies with the corresponding bank's visual guidelines. The audit record unit is used to store all audit records, auditor information, and audit results, providing data support for subsequent traceability and auditing.

[0009] Preferably, the supplier management module includes: a supplier information management unit, an intelligent matching unit, a design collaboration unit, a production supervision unit, and a quality inspection supervision unit. The supplier information management unit is used to maintain suppliers' basic information, qualification certificates, production capacity, expertise in processes, and service evaluations. The intelligent matching unit is used to automatically filter and match the most suitable suppliers based on the type of customized needs, process requirements, delivery time, and geographical location; The design collaboration unit enables online sharing, annotation, and final confirmation of design drafts among banks, users, and suppliers; The production monitoring unit is used to receive production progress information uploaded by suppliers and monitor the execution of the production plan. The quality inspection and supervision unit is used to receive quality inspection reports and product photos uploaded by suppliers to confirm whether the product quality meets the requirements.

[0010] Preferably, the end-to-end tracking module includes: a status recording unit, a progress display unit, a notification push unit, and an exception handling unit. The status recording unit is used to record the time and status of customized orders at each stage: requirement submission, review, design confirmation, production, quality inspection completion, logistics, delivery, and acceptance. It also displays the order progress and the estimated completion time of each stage to users and banks in the form of a timeline. The notification push unit is used to send notifications to users and relevant bank personnel via SMS, APP push and email when the order status changes. At the same time, it can detect timeouts, delays and quality abnormalities in the order execution process, trigger warnings and notify relevant personnel to handle them. The anti-counterfeiting and traceability unit is used to generate a unique digital identity for each customized gift that passes quality inspection, create a physical identifier, record traceability information throughout the entire lifecycle, and provide anti-counterfeiting verification functions.

[0011] Preferably, the settlement module includes: a settlement node unit, a performance status confirmation unit, a fund release unit, and a dispute resolution unit; The settlement node unit is used to set multiple settlement nodes and corresponding settlement ratios according to the order execution process, such as design confirmation, production completion, quality inspection pass, and user acceptance. At the same time, at each settlement node, the supplier's performance status is confirmed based on the information recorded by the full-process tracking module. The funds settlement unit is used to release a corresponding proportion of settlement funds to the supplier after confirming that the supplier has fulfilled its performance obligations at the corresponding stage, and to receive settlement dispute applications submitted by the bank and the supplier, record the evidence information presented by both parties, and provide the dispute resolution results.

[0012] Preferably, the after-sales processing module includes: an after-sales application receiving unit, an intelligent evaluation unit, a rapid processing unit, and a compensation plan generation unit; The after-sales application receiving unit is used to receive user-submitted return and exchange applications, repair applications, and complaint applications, as well as related photos and evidence; The intelligent assessment unit is used to evaluate the reasonableness of after-sales requests based on the type of customized gift, the type of problem, the order time, and the attribution of responsibility. The rapid processing unit provides a fast-track for after-sales applications with clear evidence of supplier or bank liability, and generates corresponding solutions such as points compensation, remake, or coupon compensation based on the user's problem and the extent of loss.

[0013] Preferably, the module includes: a popular customization identification unit, a template processing unit, a template review unit, and a template uploading management unit; The popular customized identification unit is used to identify popular customized gifts with high redemption volume and good user reviews based on the results of the data analysis and reuse module, and to standardize the design scheme of popular customized gifts while retaining the modifiable personalized element area. The template review and listing unit is used to conduct compliance and brand specification reviews on the generated customized templates to ensure that the templates meet the requirements. Customized templates that pass the review are listed on the points redemption mall, and the redemption points and usage instructions for the templates are set.

[0014] Preferably, the operation process of the management system includes the following steps: S1. Users submit their points gift customization requests through the user customization interaction module, select the basic gift template, material, craftsmanship and personalized elements, and the system generates a standardized customization order. The bank points management module connects with the bank points system to verify the authenticity of the user's points account and the current points balance, and calculates the required points based on the cost composition of the customized gift and the bank points value standard. S2, the compliance review module screens the user-customized content, transfers questionable content to manual review, confirms that the customized content complies with financial regulatory requirements and bank brand specifications, and the supplier management module matches the corresponding suppliers according to the type of customization needs, process requirements and delivery time, and generates the corresponding customized gift order for production; S3, the full-process tracking module records the time and status of the order at each stage: demand submission, review, design confirmation, production, quality inspection completion, logistics, and delivery. It pushes status change notifications to users and relevant bank personnel. After the order is completed, the customized gifts pass the quality inspection, generating a unique and tamper-proof digital identity for each gift, creating a corresponding physical identity, and linking and recording the full-chain information of production, quality inspection, and logistics. S4. At each preset node of order execution, the settlement module releases the corresponding settlement funds to the supplier according to the performance status recorded by the full-process tracking module and a preset ratio. After the user confirms acceptance of the customized gift, the bank points management module completes the final deduction of the corresponding points, and the settlement module releases the last settlement funds. S5. When a user encounters after-sales issues after receiving a gift, the after-sales processing module receives the user's application for return, exchange, repair, or complaint, along with relevant evidence, assesses the reasonableness of the application, and generates a corresponding solution. S6. During the gift customization process, the data analysis and reuse module of the bank points system collects and analyzes the customization data throughout the entire process, generates user profiles, popular customization trends, and supply chain optimization reports, and templates the popular customization solutions that meet the criteria and puts them on the points redemption mall, providing users with quick reuse and customization of personalized content.

[0015] This invention provides a complete management system for customizing bank points-based gifts. It offers the following advantages: (1) By supporting users to independently select basic templates, materials, craftsmanship and various personalized elements of gifts, and providing AI-assisted design and 3D real-time preview functions, users can intuitively participate in the customization process and obtain exclusive gifts that match their own preferences. This achieves the effect of fully meeting users' personalized gift needs, significantly improving the actual use value and attractiveness of bank points, effectively increasing the points redemption rate, improving the overall experience of users' points redemption, and thus enhancing users' recognition and loyalty to the bank.

[0016] (2) By adopting the on-demand customization business model, all customized gifts are produced and delivered according to the orders submitted by users. Banks do not need to purchase and store a large number of standardized goods in advance, which eliminates the risk of inventory backlog from the source. This can significantly reduce the bank's capital investment in warehousing management, logistics turnover and handling of unsold goods, reduce the daily operating costs of the points mall, and optimize the resource allocation and economic benefits of the bank's points system.

[0017] (3) Through full-process management, the collaborative management of banks, users and suppliers is realized. The design, production, quality inspection, logistics and after-sales of customized gifts are uniformly digitally managed and supervised, improving the efficiency of information transmission and supply chain collaboration. It can effectively reduce communication errors and production errors, shorten the delivery cycle of customized gifts, and reduce the cost of repeated design and avoid unnecessary waste of resources through the template reuse mechanism of popular customized solutions. Attached Figure Description

[0018] Figure 1 This is a system block diagram of the bank points gift customization full-process management system of the present invention; Figure 2 A schematic block diagram of the user customization interaction module of the bank points gift customization full-process management system of the present invention; Figure 3 This is a schematic block diagram of the bank points management module in the bank points gift customization full-process management system of the present invention. Figure 4 This is a schematic block diagram of the compliance review module of the bank points gift customization full-process management system of the present invention; Figure 5 This is a schematic block diagram of the supplier management module of the bank points gift customization full-process management system of the present invention; Figure 6 This is a schematic block diagram of the end-to-end tracking module of the bank points gift customization end-to-end management system of the present invention; Figure 7 This is a schematic block diagram of the settlement module of the bank points gift customization full-process management system of the present invention; Figure 8 This is a schematic block diagram of the after-sales processing module of the bank points gift customization full-process management system of the present invention; Figure 9 This is a schematic block diagram of the data analysis and reuse module of the bank points gift customization full-process management system of the present invention; Figure 10 This is a flowchart illustrating the points redemption steps of the bank points gift customization full-process management system of the present invention. Detailed Implementation

[0019] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0020] Example 1 Please see Figure 1-10This invention provides a full-process management system for customizing bank points-based gifts. To achieve the above objectives, this invention utilizes the following technical solution: The management system includes: The user-customized interaction module is used to receive users' requests for customized points gifts, provide AI-assisted design and 3D real-time preview functions, and generate standardized customized orders. The bank points management module is used to verify the user's points balance, calculate the points required for customized gifts, and complete points deduction and freezing operations. The compliance review module is used for automatic review and manual verification of customized content to ensure that customized gifts comply with financial regulatory requirements and bank brand standards. The supplier management module is used to manage customized supplier information, match corresponding suppliers according to customized needs, and ensure full-chain collaborative supervision of design, production and quality inspection. The end-to-end tracking module records and displays the status of customized orders from request submission to delivery and acceptance, pushes progress notifications to users and banks, and generates a digital identifier for each gift. The settlement module is used to confirm the supplier's performance status according to different stages of order execution and release settlement funds proportionally. The after-sales processing module is used to receive user after-sales requests, assess the reasonableness of the requests, and generate corresponding processing solutions. The data analysis and reuse module is used to collect and analyze customized data, providing banks with user profiles, popular customization trends, and supply chain optimization suggestions. Popular user-customized gifts are then templated and listed on the points redemption mall, allowing users to quickly reuse customized gifts.

[0021] S1. Users submit their points gift customization requests through the user customization interaction module, select the basic gift template, material, craftsmanship, and personalized elements, and the system generates a standardized customization order. The bank points management module connects with the bank points system to verify the authenticity of the user's points account and the current points balance. Based on the cost composition of the customized gift and the bank's points value standard, the system calculates the required points. If the user's points balance is insufficient, the system automatically calculates the difference and provides a mixed payment option of points plus cash. Users can choose to pay the difference through a bank card. S2. The compliance review module screens the user-customized content and transfers questionable content to manual review to confirm that the customized content complies with financial regulatory requirements and bank brand specifications. For orders that fail the review, the system automatically sends a notification to the user explaining the reason for the failure. The user can modify the customized content and resubmit for review. After the review is approved, the supplier management module matches the corresponding supplier according to the type of customization requirements, process requirements and delivery time, and generates the corresponding customized gift order for production. S3, the full-process tracking module records the time and status of the order at each stage: demand submission, review, design confirmation, production, quality inspection completion, logistics, and delivery. It pushes status change notifications to users and relevant bank personnel. After the order is completed, the customized gifts pass the quality inspection, generating a unique and tamper-proof digital identity for each gift, creating a corresponding physical identity, and linking and recording the full-chain information of production, quality inspection, and logistics. S4. At each preset node of order execution, the settlement module releases the corresponding settlement funds to the supplier according to the performance status recorded by the full-process tracking module and a preset ratio. After the user confirms acceptance of the customized gift, the bank points management module completes the final deduction of the corresponding points, and the settlement module releases the last settlement funds. If the user does not confirm acceptance within the specified time, the system automatically completes the acceptance and performs subsequent operations. S5. When a user encounters after-sales issues after receiving a gift, the after-sales processing module receives the user's application for return, exchange, repair, or complaint, along with relevant evidence. It assesses the reasonableness of the application and generates a corresponding solution. After processing, the system automatically notifies the user of the result and records the entire after-sales process. S6. During the gift customization process, the data analysis and reuse module of the bank points system collects and analyzes the customization data throughout the process, generates user profiles, popular customization trends and supply chain optimization reports, and templates the popular customization solutions that meet the conditions and puts them on the points redemption mall, providing users with quick reuse and customization of personalized content. The management system is deployed using a microservice architecture, with each module running as an independent microservice. Data interaction is achieved through a common API interface, supporting horizontal scaling to handle high concurrency access. System data is stored in a distributed manner, with business data stored in a relational database and unstructured data such as design drafts and product photos stored in an object storage service, ensuring data security and scalability. The system communicates with the bank's core system through a dedicated encrypted channel and uses a two-way SSL authentication mechanism to ensure the security of data transmission. By adopting a microservice architecture and distributed storage, the management system possesses high availability and scalability, enabling it to support a large number of users performing customized operations simultaneously. By establishing a complete exception handling process, it ensures that any problems that arise at any stage of the order process can be handled in a timely manner, thereby improving the stability and reliability of the system. Furthermore, by achieving secure integration with the bank's core system, it safeguards the security of users' points accounts and the accuracy of transactions.

[0022] Example 2 Specifically, the user-customized interaction module includes: a customization requirement collection unit, an AI-assisted design unit, a preview unit, and an order confirmation unit; The customized requirements collection unit is used to collect the basic gift template, material, craftsmanship, personalized elements and delivery information selected by the user; The AI-assisted design unit generates customized gift design schemes based on prompts entered by the user, and supports users to modify text content, font, color, position and images online; The preview unit is used to generate a 3D model of a customized gift, allowing users to rotate and zoom in on details. The order confirmation section displays detailed information about the customized gift, including the required redemption points and estimated delivery time, allowing users to confirm their order.

[0023] The bank points management module includes: points verification unit, points calculation unit, points operation unit, and points reconciliation unit; The points verification unit is used to interface with the bank's points system to verify the authenticity of the user's points account and the current balance; The points calculation unit is used to calculate the points required for customized gifts based on the material cost, processing cost, logistics cost and taxes of the customized gifts, combined with the bank's points value standard; The points operation unit is used to freeze the corresponding points after the user confirms the order, deduct the points after the customized gift is delivered, and unfreeze or return the points when the order is cancelled. The points reconciliation unit is used to periodically convert points into currency with suppliers and generate reconciliation reports that include order details, settlement amount, and settlement time. In this embodiment, the customized requirements collection unit adopts a step-by-step guided interface design, which breaks down complex customized requirements into multiple simple steps, guiding users to complete the selection step by step. Each step provides clear instructions and examples to reduce the difficulty of operation for users. The AI-assisted design unit is based on a pre-trained generative model and is fine-tuned by combining the design specifications of bank customized gifts and historical design data. It can generate a design scheme that conforms to the bank's brand style. The images uploaded by users are automatically resized and the background is processed to ensure compatibility with the gift template. The preview unit uses WebGL 3D technology to realize real-time rendering of the 3D model on the browser side without requiring users to install additional plugins. The materials and textures of the 3D model are updated in real time according to the materials and processes selected by the user, accurately reflecting the appearance of the final product. The points calculation unit maintains a dynamic cost database, updating price information for various materials, processes, and logistics services in real time. The bank points value standard is configured and adjusted by bank administrators in the background, supporting different points value coefficients set according to user levels. The points operation unit adopts a transaction mechanism to ensure the atomicity of points freezing, deduction, and unfreezing operations, avoiding inconsistencies in points data. The points reconciliation unit supports monthly, quarterly, and annual reconciliation, and the generated reconciliation reports can be exported in Excel and PDF formats for easy verification and archiving by financial personnel.

[0024] Example 3 Specifically, the compliance audit module includes: an audit unit, a brand compliance audit unit, and an audit record unit; The review unit is used to screen customized content for illegal, non-compliant, sensitive, and infringing content through image recognition and text detection technologies. It also conducts manual review of content that fails the automatic review or is questionable, and provides a decision and reasons for passing or failing the review. The Brand Guidelines Review Unit is used to check whether the use of bank icons, names, and slogans in customized content complies with the corresponding bank's visual guidelines. The audit record unit is used to store all audit records, auditor information, and audit results, providing data support for subsequent traceability and auditing.

[0025] The supplier management module includes: a supplier information management unit, an intelligent matching unit, a design collaboration unit, a production monitoring unit, and a quality inspection monitoring unit. The supplier information management unit is used to maintain suppliers' basic information, qualification certificates, production capacity, expertise in processes, and service evaluations. The intelligent matching unit is used to automatically filter and match the most suitable suppliers based on the type of customized needs, process requirements, delivery time, and geographical location; The design collaboration unit enables online sharing, annotation, and final confirmation of design drafts among banks, users, and suppliers; The production monitoring unit is used to receive production progress information uploaded by suppliers and monitor the execution of the production plan. The quality inspection and supervision unit is used to receive quality inspection reports and product photos uploaded by suppliers to confirm whether the product quality meets the requirements.

[0026] The end-to-end tracking module includes: a status recording unit, a notification push unit, and an anti-counterfeiting and traceability unit; The status recording unit is used to record the time and status of customized orders at each stage: requirement submission, review, design confirmation, production, quality inspection completion, logistics, delivery, and acceptance. It also displays the order progress and the estimated completion time of each stage to users and banks in the form of a timeline. The notification push unit is used to send notifications to users and relevant bank personnel via SMS, APP push and email when the order status changes. At the same time, it can detect timeouts, delays and quality abnormalities in the order execution process, trigger warnings and notify relevant personnel to handle them. The anti-counterfeiting and traceability unit is used to generate a unique digital identity for each customized gift that passes quality inspection, create a physical identification, record traceability information throughout the entire life cycle, and provide anti-counterfeiting verification functions. In this embodiment, the automatic review unit integrates a mature content security API, which can perform multi-dimensional detection of text, images, and graphics. The review rule base is maintained and updated by the bank's compliance department, and supports custom sensitive words and sensitive image features. The brand specification review unit has the bank's brand visual specification standards built in, which can automatically detect whether the color, proportion, position, and clarity of the bank logo meet the requirements, as well as whether the font, font size, and spelling of the bank name and slogan are correct. The review record unit adopts an immutable storage method, and all review records cannot be modified once generated, ensuring the traceability of the review process. The supplier information management unit supports suppliers to register and update their information independently. Bank managers review and authenticate the information submitted by suppliers. The intelligent matching unit uses a weighted scoring algorithm to comprehensively score suppliers that meet the basic conditions from multiple dimensions such as production capacity, service quality, price level, and delivery speed. The supplier with the highest score is selected for order allocation. The design collaboration unit supports version control of design drafts. Each modification generates a new version, and users can view and compare historical versions. The production supervision unit requires suppliers to upload production progress on a daily basis. The system automatically compares the actual progress with the planned progress, and automatically triggers an alert if a delay occurs. The status recording unit synchronizes data with each business module in real time to ensure the accuracy and timeliness of order status. The progress display unit intelligently predicts the completion time of each stage based on historical order data and marks it on the timeline. The notification push unit supports user-defined notification methods and frequencies, and users can choose the channels to receive notifications according to their preferences. The exception handling unit has built-in multiple exception handling plans. When an exception is detected, it automatically handles it according to the preset plan and notifies relevant personnel to follow up.

[0027] Example 4 Specifically, the settlement module includes: a settlement node unit and a funds settlement unit; The settlement node unit is used to set multiple settlement nodes and corresponding settlement ratios according to the order execution process, such as design confirmation, production completion, quality inspection pass, and user acceptance. At the same time, at each settlement node, the supplier's performance status is confirmed based on the information recorded by the full-process tracking module. The funds settlement unit is used to release a corresponding proportion of settlement funds to the supplier after confirming that the supplier has fulfilled its performance obligations at the corresponding stage, and to receive settlement dispute applications submitted by the bank and the supplier, record the evidence information presented by both parties, and provide the dispute resolution results.

[0028] The after-sales processing module includes: an after-sales application receiving unit, an intelligent evaluation unit, and a rapid processing unit; The after-sales application receiving unit is used to receive user-submitted return and exchange applications, repair applications, and complaint applications, as well as related photos and evidence; The intelligent assessment unit is used to evaluate the reasonableness of after-sales requests based on the type of customized gift, the type of problem, the order time, and the attribution of responsibility. The rapid processing unit provides a fast-track for after-sales applications with clear evidence of supplier or bank liability, and generates corresponding solutions such as points compensation, remake, or coupon compensation based on the user's problem and the extent of loss.

[0029] Includes: Popular Custom Recognition Unit and Template Review and Upload Unit; The popular customized recognition unit is used to identify popular customized gifts with high redemption volume and good user reviews based on the results of the data analysis and reuse module, and to standardize the design scheme of popular customized gifts while retaining the area of ​​modifiable personalized elements. The template review and listing unit is used to conduct compliance and brand specification reviews on the generated customized templates to ensure that the templates meet the requirements. Customized templates that pass the review are listed on the points redemption mall, and the redemption points and usage instructions for the templates are set. In this embodiment, the settlement node unit allows banks to customize the number of settlement nodes and the settlement ratio of each node according to different supplier levels and order types. For long-term cooperative and reputable suppliers, the initial settlement ratio can be appropriately increased to alleviate the supplier's financial pressure. The fund settlement unit automatically obtains order status information from the full-process tracking module without manual intervention, ensuring the timeliness and accuracy of settlement. At the same time, a standardized dispute resolution process is established. Both parties can submit evidence and explanations in the system, and the bank will make a ruling based on the evidence submitted by both parties and the contractual agreement. The ruling result is published in the system and serves as the final settlement basis. The intelligent assessment unit is based on a classification model trained on historical after-sales data. It can automatically determine the rationality of after-sales applications and the attribution of responsibility. For applications with reasonable assessment results and clear responsibilities, they are automatically put into the fast processing channel. The fast processing unit prioritizes the processing of experienced after-sales personnel, which shortens the processing time by more than 50% compared to ordinary applications. It also automatically calculates the compensation amount or the number of points according to the preset compensation standards to ensure the fairness and consistency of compensation. The popular customization identification unit regularly analyzes customization data to identify customization schemes that meet popular standards. It separates fixed elements and modifiable elements in the design scheme, allowing users to edit only the modifiable elements, thus ensuring the consistency and standardization of the templates. The template review and listing unit conducts a comprehensive review of the generated templates, including compliance, brand compliance, and customizability. It also supports template listing and lifecycle management, allowing outdated or unpopular templates to be removed in a timely manner.

[0030] Although embodiments of the invention have been shown and described, it will be understood by those skilled in the art that various changes, modifications, substitutions and alterations can be made to these embodiments without departing from the principles and spirit of the invention.

Claims

1. A bank points-based gift customization end-to-end management system, characterized in that: The management system includes: a user-customized interaction module, a bank points management module, a compliance audit module, a supplier management module, a full-process tracking module, a settlement module, an after-sales processing module, and a data analysis and reuse module; The user-customized interaction module is used to receive users' requests for customized points gifts, provide AI-assisted design and 3D real-time preview functions, and generate standardized customized orders. The bank points management module is used to verify the user's points balance, calculate the points required for customized gifts, and complete points deduction and freezing operations. The compliance review module is used for automatic review and manual verification of customized content to ensure that customized gifts comply with financial regulatory requirements and bank brand standards. The supplier management module is used to manage customized supplier information, match corresponding suppliers according to customized needs, and ensure full-chain collaborative supervision of design, production and quality inspection. The end-to-end tracking module is used to record and display the status of customized orders from the submission of requirements to delivery and acceptance, push progress notifications to users and banks, and generate a digital identifier for each gift. The settlement module is used to confirm the supplier's performance status according to different nodes of order execution and release settlement funds proportionally. The after-sales processing module is used to receive user after-sales applications, assess the rationality of the applications, and generate corresponding processing solutions. The data analysis and reuse module is used to collect and analyze customized data, provide banks with user profiles, popular customization trends and supply chain optimization suggestions, and then template popular user-customized gifts and put them on the points redemption mall for users to quickly reuse customized gifts.

2. The bank points gift customization full-process management system according to claim 1, characterized in that: The user-customized interaction module includes: a customization requirement collection unit, an AI-assisted design unit, a preview unit, and an order confirmation unit; The customized requirements collection unit is used to collect the basic gift template, material, craftsmanship, personalized elements and delivery information selected by the user; The AI-assisted design unit generates customized gift design schemes based on prompts entered by the user, and supports users to modify text content, font, color, position and images online; The preview unit is used to generate a 3D model of a customized gift, allowing users to rotate and zoom in on details. The order confirmation section displays detailed information about the customized gift, including the required redemption points and estimated delivery time, allowing users to confirm their order.

3. The bank points gift customization end-to-end management system according to claim 1, characterized in that: The bank points management module includes: a points verification unit, a points calculation unit, a points operation unit, and a points reconciliation unit; The points verification unit is used to interface with the bank's points system to verify the authenticity of the user's points account and the current balance; The points calculation unit is used to calculate the points required for customized gifts based on the material cost, processing cost, logistics cost and taxes of the customized gifts, combined with the bank's points value standard; The points operation unit is used to freeze the corresponding points after the user confirms the order, deduct the points after the customized gift is delivered, and unfreeze or return the points when the order is cancelled. The points reconciliation unit is used to periodically convert points into currency with suppliers and generate reconciliation reports that include order details, settlement amount, and settlement time.

4. The bank points gift customization full-process management system according to claim 1, characterized in that: The compliance audit module includes: an audit unit, a brand compliance audit unit, and an audit record unit; The review unit is used to screen customized content for illegal, non-compliant, sensitive, and infringing content through image recognition and text detection technologies. It also conducts manual review of content that fails the automatic review or is questionable, and provides a decision and reasons for passing or failing the review. The Brand Guidelines Review Unit is used to check whether the use of bank icons, names, and slogans in customized content complies with the corresponding bank's visual guidelines. The audit record unit is used to store all audit records, auditor information, and audit results, providing data support for subsequent traceability and auditing.

5. The bank points gift customization full-process management system according to claim 1, characterized in that: The supplier management module includes: a supplier information management unit, an intelligent matching unit, a design collaboration unit, a production supervision unit, and a quality inspection supervision unit; The supplier information management unit is used to maintain suppliers' basic information, qualification certificates, production capacity, expertise in processes, and service evaluations. The intelligent matching unit is used to automatically filter and match the most suitable suppliers based on the type of customized needs, process requirements, delivery time, and geographical location; The design collaboration unit enables online sharing, annotation, and final confirmation of design drafts among banks, users, and suppliers; The production monitoring unit is used to receive production progress information uploaded by suppliers and monitor the execution of the production plan. The quality inspection and supervision unit is used to receive quality inspection reports and product photos uploaded by suppliers to confirm whether the product quality meets the requirements.

6. The bank points gift customization end-to-end management system according to claim 1, characterized in that: The full-process tracking module includes: a status recording unit, a notification push unit, and an anti-counterfeiting and traceability unit; The status recording unit is used to record the time and status of customized orders at each stage: requirement submission, review, design confirmation, production, quality inspection completion, logistics, delivery, and acceptance. It also displays the order progress and the estimated completion time of each stage to users and banks in the form of a timeline. The notification push unit is used to send notifications to users and relevant bank personnel via SMS, APP push and email when the order status changes. At the same time, it can detect timeouts, delays and quality abnormalities in the order execution process, trigger warnings and notify relevant personnel to handle them. The anti-counterfeiting and traceability unit is used to generate a unique digital identity for each customized gift that passes quality inspection, create a physical identifier, record traceability information throughout the entire lifecycle, and provide anti-counterfeiting verification functions.

7. The bank points gift customization end-to-end management system according to claim 1, characterized in that: The settlement module includes: a settlement node unit and a fund settlement unit; The settlement node unit is used to set multiple settlement nodes and corresponding settlement ratios according to the order execution process, including design confirmation, production completion, quality inspection pass, and user acceptance. At the same time, at each settlement node, the supplier's performance status is confirmed based on the information recorded by the full-process tracking module. The funds settlement unit is used to release a corresponding proportion of settlement funds to the supplier after confirming that the supplier has fulfilled its performance obligations at the corresponding stage, and to receive settlement dispute applications submitted by the bank and the supplier, record the evidence information presented by both parties, and provide the dispute resolution results.

8. The bank points gift customization full-process management system according to claim 1, characterized in that: The after-sales processing module includes: an after-sales application receiving unit, an intelligent evaluation unit, and a rapid processing unit; The after-sales application receiving unit is used to receive user-submitted return and exchange applications, repair applications, and complaint applications, as well as related photos and evidence; The intelligent assessment unit is used to evaluate the reasonableness of after-sales requests based on the type of customized gift, the type of problem, the order time, and the attribution of responsibility. The rapid processing unit provides a fast-track for after-sales applications with clear evidence of supplier or bank liability, and generates corresponding solutions such as points compensation, remake, or coupon compensation based on the user's problem and the extent of loss.

9. The bank points gift customization full-process management system according to claim 1, characterized in that: The data analysis and reuse module includes: a popular customized identification unit and a template review and uploading unit; The popular customized identification unit is used to identify popular customized gifts with high redemption rates and good user reviews based on data analysis results, and to standardize the design scheme of popular customized gifts while retaining the area of ​​modifiable personalized elements. The template review and listing unit is used to conduct compliance and brand specification reviews on the generated customized templates to ensure that the templates meet the requirements. Customized templates that pass the review are listed on the points redemption mall, and the redemption points and usage instructions for the templates are set.

10. The bank points gift customization full-process management system according to claim 1, characterized in that: The operation process of the management system includes the following steps: S1. Users submit their points gift customization requests through the user customization interaction module, select the basic gift template, material, craftsmanship and personalized elements, and the system generates a standardized customization order. The bank points management module connects with the bank points system to verify the authenticity of the user's points account and the current points balance, and calculates the required points based on the cost composition of the customized gift and the bank points value standard. S2, the compliance review module screens the user-customized content, transfers questionable content to manual review, confirms that the customized content complies with financial regulatory requirements and bank brand specifications, and the supplier management module matches the corresponding suppliers according to the type of customization needs, process requirements and delivery time, and generates the corresponding customized gift order for production; S3, the full-process tracking module records the time and status of the order at each stage: demand submission, review, design confirmation, production, quality inspection completion, logistics, and delivery. It pushes status change notifications to users and relevant bank personnel. After the order is completed, the customized gifts pass the quality inspection, generating a unique and tamper-proof digital identity for each gift, creating a corresponding physical identity, and linking and recording the full-chain information of production, quality inspection, and logistics. S4. At each preset node of order execution, the settlement module releases the corresponding settlement funds to the supplier according to the performance status recorded by the full-process tracking module and a preset ratio. After the user confirms acceptance of the customized gift, the bank points management module completes the final deduction of the corresponding points, and the settlement module releases the last settlement funds. S5. When a user encounters after-sales issues after receiving a gift, the after-sales processing module receives the user's application for return, exchange, repair, or complaint, along with relevant evidence, assesses the reasonableness of the application, and generates a corresponding solution. S6. During the gift customization process, the data analysis and reuse module of the bank points system collects and analyzes the customization data throughout the entire process, generates user profiles, popular customization trends, and supply chain optimization reports, and templates the popular customization solutions that meet the criteria and puts them on the points redemption mall, providing users with quick reuse and customization of personalized content.

Images