CN109003129A

CN109003129A - A kind of marketing method and system based on Internet of Things finance block chain

Info

Publication number: CN109003129A
Application number: CN201810744568.2A
Authority: CN
Inventors: 马胜蓝; 陶然; 王皓; 程舒晗; 伊瑞华; 王桐森
Original assignee: FUJIAN RURAL CREDIT YONHAP
Current assignee: FUJIAN RURAL CREDIT YONHAP
Priority date: 2018-07-09
Filing date: 2018-07-09
Publication date: 2018-12-14
Anticipated expiration: 2038-07-09
Also published as: CN109003129B

Abstract

The present invention provides a kind of marketing method based on Internet of Things finance block chain, and two independently operated block chains, including an advertisement chain and client's chain step S1, are set up in the network architecture between block chain participant；Step S2, block chain account book, including client's chain account book and advertisement chain account book are set up respectively on two block chains；Step S3, advertisement integral general ledger is established by financial block chain alliance promoter, and advertisement integral general ledger is stored in the account of financial block chain alliance promoter, while carrying out advertisement integral and launching；Step S4, it is combined using Internet of Things with the block chain of foundation to be oriented client's marketing or open client marketing.The present invention also provides systems corresponding to a kind of method.The present invention can make actual marketing become more accurate, conveniently, effectively by directly establishing orientation client marketing using block chain between internet of things equipment and open client markets.

Description

A kind of marketing method and system based on Internet of Things finance block chain

Technical field

The present invention relates to computer field, in particular to a kind of marketing method based on Internet of Things finance block chain and it is System.

Background technique

Financial institution (such as bank) often promotes the product of oneself using marketing strategy, and obtains customer data with this.Mesh Preceding financial institution often utilizes big data analysis, statistical analysis and expert decision-making to obtain corresponding alternative client set, by financial machine Application, external advertisements, customer manager's artificial treatment of structure etc. are marketed.

Currently, with the gradually development of block chain and technology of Internet of things, very big impact is caused to financial circle technology. Main block chain explorative research and practice at this stage are unfolded around financial field.In financial field, block chain skill All there is wide application in many aspects such as digital cash, payment clearance, intelligent contract, financial transaction, Internet of Things finance in art Prospect.Typical application includes the electronic money such as bit coin, Lay spy's coin, more distribution accounting system disclosed in safety, payment System for settling account etc..The two generation block chain technologies such as the auspicious wave (Ripple) that rises in the recent period, ether mill (Ethereum), block chain is pushed away To using development phase.

According to the functional structure of Internet of Things, Internet of Things is generally divided into three-layer architecture, including sensing layer, network layer and Application layer.By the data that Internet of Things generates, enterprise can provide dynamic, personalized intelligent Service for client.These services Essential distinction with traditional after-sale service is its data being collected by Internet of Things, real in a manner of more dynamic, system When, constantly analyze and predict customer demand, service is optimized and is adjusted automatically based on the analysis results, or even can be automatically Environment is adapted to, is made decisions on one's own, the individualized experience of height is brought for client.Also there is finance informationalizing in financial field, and Maximum change of finance informationalizing is financial digitlization, including financial service and cash flow digitize, so that article in Internet of Things Goods attribute organically blend with the property of value, realize Internet of Things financial service.Internet of Things provides magnanimity, objective for financial institution Digital information, form useful supplement with internet data, transaction data etc. and carry out cross validation, construct completely new " four Stream unification ", make financial institution obtain it is to enterprise and supply chain more deep, more three-dimensional see clearly, being promoted, air control is horizontal Meanwhile it can promote credit system and objectifying.

In the case where taking bank as leading financial application scene, data processing based on financial union chain with it is synchronous cost, Timeliness, security and various aspects are superior to the block chain technology using open the Internet.Most currently based on open the Internet block chain Widely applied bit coin, the average trade confirmation time is more than 10 minutes, and transaction needs the confirmation of tens of thousands of common recognition nodes every time, often The expense of secondary transaction is more than 0.01 dollar, and transaction cost is higher.And because the verifier for participating in common recognition is anonymous, however not excluded that have Some nodes lead to that there are risk of attacks for collusion reason, and therefore, overall security, timeliness are lower, high expensive.? In current financial industry status, between participation information management and each mechanism of information exchange, all has preliminary common recognition and trust Basis；Carry out that bank data is synchronous using financial union chain, the node for participating in verifying be disclose it is believable.Processing to data Need a small amount of accredited high power node verification of calculating that can be identified that the trade confirmation time can be optimized to Millisecond.Compared to opening Publicly-owned chain on internet, it is synchronous using the data based on financial union chain, it can substantially shorten the trade confirmation of data manipulation Time, the time reached common understanding is relatively short, transactions velocity faster, more efficient, cost is lower.Therefore financial union chain is more suitable It is synchronous together in data are carried out between alliance of financial institution and related trust authority.

Recommended products and client etc. are got to automate although big data analysis platform can be used at present, in reality In the application of border, it is many on the specific marketing method of client or to be come by client site or bank outlets manually carry out it is blind Purpose marketing, or visited and marketed etc. by customer manager；And when being marketed using short message, mail etc., because being related to Regulatory requirements etc. can not carry out viral marketing, therefore, the marketing method of existing bank be limited it is more, cannot achieve preferably Marketing effectiveness.

Summary of the invention

One of the technical problem to be solved in the present invention is to provide a kind of marketing side based on Internet of Things finance block chain Method, marketing method of the present invention is by directly establishing orientation client marketing and open visitor using block chain between internet of things equipment Family marketing can make actual marketing become more accurate, conveniently, effectively.

The present invention is realized in one of technical problem: a kind of marketing method based on Internet of Things finance block chain, institute The method of stating includes the following steps:

Step S1, two independently operated block chains are set up in the network architecture between block chain participant, including One advertisement chain and client's chain；

Step S2, block chain account book, including client's chain account book and advertisement chain account book are set up respectively on two block chains；

Step S3, advertisement integral general ledger is established by financial block chain alliance promoter, and advertisement integral general ledger is stored in In the account of financial block chain alliance promoter, while carrying out advertisement integral and launching；

Step S4, it is combined using Internet of Things with the block chain of foundation to be oriented client's marketing or open client Marketing.

Further, in the step S2, client's chain account book include at least client's essential information, digital rights, The bank product of customer privacy open request, customer information service condition and encryption recommends catalogue set；

The advertisement chain account book include at least the advertisement release time, advertisement launch product, advertisement launch integral plan and Advertisement is suitble to operational decision making rule.

Further, in the step S3, the advertisement integral, which is launched, specifically comprises the following steps:

Step S31, the advertising plan of itself is arranged in advertiser in Advertising Management System, and the advertising plan includes at least Advertisement release time, advertisement launch product and advertisement is suitble to operational decision making rule；

Step S32, advertiser fills in the integral plan of itself in Advertising Management System, and the integral plan includes at least Total mark, trade company's recommended advertisements successfully obtain integral and client uses and integrated；It simultaneously will be total by fund clearing network The corresponding amount of money of integral, which is transferred accounts, integrates general ledger to advertisement；

Step S33, financial block chain alliance promoter sets after receiving the amount of money corresponding to total mark according to advertiser The advertising plan and integral plan set upload to corresponding advertising information in advertisement chain, and wait common recognition；

Step S34, after knowing together successfully, financial block chain alliance promoter informs common recognition confirmation message to advertiser.

Further, in the step S4, the orientation client marketing specifically includes the marketing of bank end and merchant end battalion Pin；

The bank end marketing specifically includes:

Step A1, bank calculates lead referral product using big data, while using the public key of bank itself come to meter The lead referral product of calculating is encrypted, and encrypted lead referral product is saved on client's chain and is known together；

Step A2, after the wifi network of the mobile phone access bank outlets of client, Mobile banking app automatically turns on LBS inspection It surveys；The intelligent terminal of bank is established with Mobile banking app automatically after being got client using LBS service and entering bank outlets Communication connection；

Step A3, Mobile banking app sends the customer ID ID of itself, the intelligent terminal root of bank to the intelligent terminal of bank Enter client's chain according to customer ID ID and obtains corresponding client's public information；The intelligent terminal of bank using bank itself private key into Row decryption, obtains the recommended products catalogue of the client；

Step A4, client's marketing strategy of the recommended products in recommended products catalogue and bank itself site that will acquire into Row compares, and the recommended products directory information for meeting the client is pushed to Mobile banking app according to comparison result, while should The recommended products directory information of client is also pushed to the marketer terminal of lobby manager；

Step A5, bank's back-end server is communicated with Mobile banking app, when bank's back-end server has monitored to push away Recommend product service be opened after, just the recommended products opened is labeled as in corresponding recommended products catalogue it has been recommended that, And it is saved on client's chain and knows together；

The merchant end marketing specifically includes:

Step B1, Merchant web is accessed in the wifi network of the mobile phone access commercial circle trade company of client or using iBeacon Afterwards, Mobile banking app automatically turns on LBS detection；The intelligent terminal of trade company obtains the client close to itself using LBS service, and Communication connection is established with the Mobile banking app of client；

Step B2, Mobile banking app sends the customer ID ID of itself, the intelligent terminal root of trade company to the intelligent terminal of trade company Enter client's chain according to customer ID ID and obtains corresponding client's public information；The intelligent terminal of trade company utilizes the bank belonging to itself Private key is decrypted, and obtains the recommended products catalogue of the client, and the recommended products for being included by this trade company and this trade company hand over The catalogue information of easily required bank's recommended products is pushed to Mobile banking app；

Step B3, after client carries out recommended products transaction on the intelligent terminal of trade company, the intelligent terminal of trade company and bank Back-end server carries out communication book keeping operation, and after keeping accounts successfully, and successful result will be recommended to return to the Mobile banking app of client；Together When, bank's back-end server the recommended products opened is labeled as in corresponding recommended products catalogue it has been recommended that, and save It knows together on to client's chain.

Further, in the step S4, open client's marketing is specifically included:

Step P1, Merchant web is accessed in the wifi network of the mobile phone access commercial circle trade company of client or using iBeacon Afterwards, Mobile banking app automatically turns on LBS detection；The intelligent terminal of trade company obtains the client close to itself using LBS service, and Communication connection is established with the Mobile banking app of client；

Step P2, Mobile banking app sends the customer ID ID of itself, the intelligent terminal root of trade company to the intelligent terminal of trade company Enter client's chain according to customer ID ID and obtains corresponding client's public information；Meanwhile the intelligent terminal of trade company is according to trade company ID and connection Bank of alliance ID obtains corresponding trade company's recommended products and bank's recommended products from advertisement chain；

Step P3, after getting trade company's recommended products and bank's recommended products, the intelligent terminal of trade company is according to advertisement chain In advertisement be suitble to operational decision making rule, calculate the trade company's product or bank product for being suitble to the client, and carried out by trade company Products Show；

Step P4, after client carries out recommended products transaction on the intelligent terminal of trade company, the intelligent terminal of trade company and bank Back-end server carries out communication book keeping operation, and after keeping accounts successfully, and successful result will be recommended to return to the Mobile banking app of client；

Step P5, the intelligent terminal of trade company carries out the integral equity that trade company is recommended according to the integral plan in advertisement chain Increase, the integral equity for opening recommended products to client's payment increases, and reduces to the total mark of advertiser, and save It knows together on to advertisement chain.

The second technical problem to be solved by the present invention is to provide a kind of marketing system based on Internet of Things finance block chain System, marketing system of the present invention is by directly establishing orientation client marketing and open visitor using block chain between internet of things equipment Family marketing can make actual marketing become more accurate, conveniently, effectively.

The present invention is realized in the twos' of technical problem: a kind of marketing system based on Internet of Things finance block chain, institute The system of stating includes that block chain building module, account book establish module, integral putting module and marketing module；

The block chain building module, for setting up two independent fortune in the network architecture between block chain participant Capable block chain, including an advertisement chain and client's chain；

The account book establishes module, for setting up block chain account book, including client's chain account respectively on two block chains Sheet and advertisement chain account book；

The integral putting module, for establishing advertisement integral general ledger by financial block chain alliance promoter, and by advertisement Integral general ledger is stored in the account of financial block chain alliance promoter, while being carried out advertisement integral and being launched；

The marketing module, be oriented for being combined using Internet of Things with the block chain of foundation client marketing or Open client's marketing.

Further, it is established in module in the account book, client's chain account book includes at least client's essential information, number Equity, customer privacy open request, customer information service condition and the bank product of encryption recommend catalogue set；

Further, in the integral putting module, the advertisement integral, which is launched, specifically includes advertising plan setting list Member, integrating meter draw setting unit, advertising information common recognition unit and common recognition informing unit；

The advertising plan of itself, institute are arranged for advertiser in Advertising Management System for the advertising plan setting unit It states advertising plan and launches product and the suitable operational decision making rule of advertisement including at least advertisement release time, advertisement；

The integrating meter draws setting unit, fills in the integral plan of itself, institute in Advertising Management System for advertiser It states integral plan and successfully obtains integral and client using being integrated including at least total mark, trade company's recommended advertisements；Lead to simultaneously Cross fund clearing network by the amount of money corresponding to total mark transfer accounts give advertisement integrate general ledger；

The advertising information common recognition unit, is receiving gold corresponding to total mark for financial block chain alliance promoter After volume, corresponding advertising information is uploaded in advertisement chain according to the advertising plan of advertiser's setting and integral plan, and waits Common recognition；

The common recognition informing unit, after knowing together successfully, financial block chain alliance promoter will know together confirmation message announcement Know to advertiser.

Further, in the marketing module, the orientation client marketing specifically includes the marketing of bank end and merchant end Marketing；

Bank end marketing specifically include recommended products common recognition unit, the first communication unit, catalogue acquiring unit, Directory information push unit and the first common recognition unit；

The recommended products common recognition unit calculates lead referral product using big data for bank, while utilizing silver Encrypted lead referral product is saved in visitor to encrypt to calculated lead referral product by the public key of row itself It knows together on the chain of family；

First communication unit, for the mobile phone of client access bank outlets wifi network after, Mobile banking app Automatically turn on LBS detection；The intelligent terminal of bank is after getting client using LBS service and entering bank outlets, automatically and hand Machine bank app establishes communication connection；

The catalogue acquiring unit sends to the intelligent terminal of bank the customer ID of itself for Mobile banking app ID, the intelligent terminal of bank enter client's chain according to customer ID ID and obtain corresponding client's public information；The intelligent terminal of bank It is decrypted using the private key of bank itself, obtains the recommended products catalogue of the client；

Bank's push unit, recommended products in recommended products catalogue and bank itself site for will acquire Client's marketing strategy is compared, and the recommended products directory information for meeting the client is pushed to mobile phone silver according to comparison result Row app, while the recommended products directory information of the client being also pushed to the marketer terminal of lobby manager；

The first common recognition unit, is communicated for bank's back-end server and Mobile banking app, when bank rear end takes After business device monitors that the service of recommended products is opened, recommended products that will just have been opened in corresponding recommended products catalogue Be labeled as it has been recommended that, and be saved on client's chain and know together；

The merchant end marketing specifically includes the second communication unit, trade company's push unit and the second common recognition unit；

Second communication unit, wifi network or utilization for the mobile phone access commercial circle trade company in client After iBeacon accesses Merchant web, Mobile banking app automatically turns on LBS detection；The intelligent terminal of trade company is obtained using LBS service The client close to itself is taken, and establishes communication connection with the Mobile banking app of client；

Trade company's push unit sends to the intelligent terminal of trade company the customer ID ID of itself, quotient for Mobile banking app The intelligent terminal at family enters client's chain according to customer ID ID and obtains corresponding client's public information；The intelligent terminal of trade company utilizes certainly The private key of bank belonging to body is decrypted, and obtains the recommended products catalogue of the client, and the recommendation for being included by this trade company produces The catalogue information of bank's recommended products needed for product and the transaction of this trade company is pushed to Mobile banking app；

The second common recognition unit, after carrying out recommended products transaction on the intelligent terminal of trade company for client, trade company Intelligent terminal and bank's back-end server carry out communication book keeping operation, and after keep accounts successfully, recommendation successful result is returned to client's Mobile banking app；Meanwhile the recommended products opened is labeled as by bank's back-end server in corresponding recommended products catalogue It has been recommended that and being saved on client's chain and knowing together.

Further, in the marketing module, open client's marketing specifically includes third communication unit, recommends Product acquiring unit, Products Show unit, accounting unit and third common recognition unit；

The third communication unit, wifi network or utilization for the mobile phone access commercial circle trade company in client After iBeacon accesses Merchant web, Mobile banking app automatically turns on LBS detection；The intelligent terminal of trade company is obtained using LBS service The client close to itself is taken, and establishes communication connection with the Mobile banking app of client；

The recommended products acquiring unit sends to the intelligent terminal of trade company the customer ID of itself for Mobile banking app ID, the intelligent terminal of trade company enter client's chain according to customer ID ID and obtain corresponding client's public information；Meanwhile the intelligence of trade company Terminal obtains corresponding trade company's recommended products and bank's recommended products according to trade company ID and bank of alliance ID from advertisement chain；

The Products Show unit, for after getting trade company's recommended products and bank's recommended products, the intelligence of trade company Terminal is suitble to operational decision making rule according to the advertisement in advertisement chain, calculates the trade company's product for being suitble to the client or bank produces Product, and Products Show is carried out by trade company；

The accounting unit, after carrying out recommended products transaction on the intelligent terminal of trade company for client, the intelligence of trade company Terminal and bank's back-end server carry out communication book keeping operation, and after keep accounts successfully, and recommendation successful result is returned to the mobile phone of client Bank app；

The third common recognition unit, the intelligent terminal for trade company recommend trade company according to the integral plan in advertisement chain Integral equity increased, the integral equity of recommended products is opened to client's payment and is increased, to the total mark of advertiser It is reduced, and is saved on advertisement chain and knows together.

The present invention has the advantage that 1, devise advertisement chain and the mashed up formula finance block of double-strand of intercommunication coexists in client's chain Chain can realize data sharing under heterogeneous network, including customer information, recommended products information etc. well；2, it is set in Internet of Things Orientation client marketing directly is established using block chain between standby and open client markets, and actual marketing can be made to become more smart It is quasi-, conveniently, effectively；3, putting mode is integrated by the advertisement of design, can make each advertisement marketing expense is really to consume It uses, can prevent events such as " cotton-padded mattress wools " from occurring；4, enter block in the recommended products information that bank generates for client After chain, the data can only be just unlocked by related private key by the trade company of oneself alliance, this bank end equipment and are carried out corresponding Marketing operation, can effectively ensure data safety.

Detailed description of the invention

The present invention is further illustrated in conjunction with the embodiments with reference to the accompanying drawings.

Fig. 1 is network structure involved in the present invention.

Fig. 2 is a kind of execution flow chart of the marketing method based on Internet of Things finance block chain of the present invention.

Specific embodiment

Please emphasis referring to Figures 1 and 2 shown in, a kind of marketing method based on Internet of Things finance block chain of the present invention it is preferable Embodiment, described method includes following steps:

Step S1, it is set up in the network architecture between block chain participant (including bank, trade company, supervision department etc.) Two independently operated block chains, including an advertisement chain and client's chain；In the specific implementation, different bank, trade company, visitor The smart machine of family Mobile banking app, trade company site etc. can be linked into advertisement chain and client's chain；Wherein, for client For chain, because being related to customer information privacy, participant further includes administrative department and supervision department, which mainly utilizes area Block chain traces to the source ability to track the service condition of customer information；For advertisement chain, when supplementing integral with money for advertising plan, Trade company can reduce relevant amount from corresponding bank account and convert to advertisement according to a certain percentage according to the agreement with bank Integral；Trade network of the fund clearing net as interbank entity fund, realizes the fund clearing between cross-bank, fills for integral Value provides fund basis.

In the step S2, it is public that client's chain account book includes at least client's essential information, digital rights, customer privacy The bank product for opening requirement, customer information service condition and encryption recommends catalogue set；Wherein, client's essential information is protected There are the basic data of client, such as the customer ID etc. that identification card number, full chain are unified；The digital rights are to flow in block chain The virtual fund turned, such as client browse and integrate one kind with regard to being digital rights with the advertisement obtained after advertised product；Institute State customer privacy open request be opened an account according to client, in practical application to requirement disclosed in own customers information, for from Body is unwilling that disclosed information, bank and merchant end may not be usable for marketing and calculates；The customer information service condition is used In record customer information by different bank, trade company data analyze service condition, can in order to administrative department, supervision department and Client tracks；It is to be counted by different bank according to the internal marketing system of itself that the bank product, which recommends catalogue set, It calculates, to obtain the Products Show catalogue of this bank that corresponding client is suitble to, and with the public key of the bank and trade company's agreement Cochain after being encrypted can only just unlock the data by the trade company of oneself alliance, this bank end equipment by related private key And carry out corresponding marketing operation.

The advertisement chain account book include at least the advertisement release time, advertisement launch product, advertisement launch integral plan and Advertisement is suitble to operational decision making rule.In the specific implementation, bank, trade company can be according to needed for the business and marketing of itself, by itself Product and card plan save into advertisement chain account book；Certainly, in addition to the advertisement for covering basis is thrown in advertisement chain account book Put the time, product, integral plan (i.e. advertisement browsing, it is practical generate flow or consumption after, give the integral prize of trade company, client The plan of encouraging, and the plan of being of use of integral purchase marketing product) other than, it further include thering is advertisement to be suitble to operational decision making rule, this is wide It accuses and operational decision making rule is suitble to be mainly used for calculating which kind of lead referral this advertisement is suitble to.

Step S3, advertisement integral general ledger is established by financial block chain alliance promoter, and advertisement integral general ledger is stored in In the account of financial block chain alliance promoter, while carrying out advertisement integral and launching.

In the step S3, the advertisement integral, which is launched, specifically comprises the following steps:

Step S31, the advertising plan of itself is arranged in advertiser (such as bank, trade company) in Advertising Management System, described wide The plan of announcement includes at least the advertisement release time, product is launched in advertisement and advertisement is suitble to operational decision making rule；Wherein, advertisement is suitble to Operational decision making rule often based on customer information attribute, provides actual Regularia formula, such as " last month, client had proposition Mention volume application success OR (or) past 12 months, all do not propose volume record OR client's original credit card amount every month greater than 200,000 OR client proposes volume application greater than 100,000 yuan of OR (nearest three months, CASH ADVANCE transaction AND that credit card occurs 3 times or more (and) Card holder uses the revolving line of credit for the first time)=POS consumption purchase 9.8 folding of iPhone ".

Step S32, advertiser fills in the integral plan of itself in Advertising Management System, and the integral plan includes at least Total mark (if setting total mark is 50,000), trade company's recommended advertisements successfully obtain integral (as setting trade company's recommended advertisements successfully obtain Integral is 20) and client uses and integrated (being 10 as setting client is integrated using acquisition)；Pass through fund clearing net simultaneously The amount of money corresponding to total mark is transferred accounts and integrates general ledger to advertisement by network；

Certainly, in the specific implementation, advertisement is integrated, can be also used for client when buying certain class marketing service, root Integral, which is carried out, according to advertisement integral supports cash activity.

In the step S4, the orientation client marketing specifically includes the marketing of bank end and merchant end marketing；

So-called orientation client marketing, is exactly first calculated the product for being suitble to some specific client, then by bank by bank It is promoted and is marketed with trade company.For each bank, the battalion to client can be realized at night using platforms such as big datas Pin calculates, and calculates suitable recommended products using filter algorithm etc. is coordinated, and then realizes that bank's scene is sought using Internet of Things Pin.

The bank end marketing specifically includes:

Step A2, after the wifi network of the mobile phone access bank outlets of client, Mobile banking app automatically turns on LBS inspection It surveys；The intelligent terminal (such as intelligent number calling machine, client terminal iPAD) of bank enters bank getting client using LBS service Behind site, communication connection is established with Mobile banking app automatically；

Step A4, client's marketing strategy of the recommended products in recommended products catalogue and bank itself site that will acquire into Row compares, and according to comparison result (certainly, such as the recommended products directory information for meeting the client is pushed to Mobile banking app Fruit does not meet the recommended products directory information of the client, then can be without push), while by the recommended products mesh of the client Record information is also pushed to the marketer terminal of lobby manager；

In the specific implementation, after client receives the prompt information of Mobile banking app, Mobile banking app can be opened Relevant product information is read, if client confirms the certain services of goods of purchase on Mobile banking app, enters actual purchase Buy process；After lobby manager receives the marketing message of marketer terminal, so that it may go to and be marketed face to face with client.

Step A5, bank's back-end server is communicated with Mobile banking app, when bank's back-end server has monitored to push away Recommend product service be opened after, just the recommended products opened is labeled as in corresponding recommended products catalogue it has been recommended that, And be saved on client's chain and know together, to prevent other sites or trade company from carrying out repeating recommendation；

The merchant end marketing specifically includes:

Step B1, Merchant web is accessed in the wifi network of the mobile phone access commercial circle trade company of client or using iBeacon Afterwards, Mobile banking app automatically turns on LBS detection；Trade company intelligent terminal (such as intelligent video camera head, wireless POS machine, terminal electricity Brain etc.) utilize LBS service to obtain the client close to itself, and communication connection is established with the Mobile banking app of client；

Step B2, Mobile banking app sends the customer ID ID of itself, the intelligent terminal root of trade company to the intelligent terminal of trade company Enter client's chain according to customer ID ID and obtains corresponding client's public information；The intelligent terminal of trade company utilizes the bank belonging to itself Private key is decrypted, and obtains the recommended products catalogue of the client, and the recommended products for being included by this trade company and this trade company hand over The catalogue information of easily required bank's recommended products (such as opening cloud sudden strain of a muscle to pay) is pushed to Mobile banking app；In this way, client After the prompt information for receiving Mobile banking app, so that it may open Mobile banking app and read relevant product；

Step B3, after client carries out recommended products transaction on the intelligent terminal of trade company, the intelligent terminal of trade company and bank Back-end server carries out communication book keeping operation, and after keeping accounts successfully, and successful result will be recommended to return to the Mobile banking app of client；Together When, bank's back-end server the recommended products opened is labeled as in corresponding recommended products catalogue it has been recommended that, and save It knows together on to client's chain, to prevent other trade companies from carrying out repeating recommendation.

In the step S4, so-called open client's marketing refers to be recommended by business rule, is mainly directed towards Merchant end, the product of marketing include the product data of product and bank of alliance that trade company itself needs to recommend.The open visitor Family marketing specifically includes:

Step P1, Merchant web is accessed in the wifi network of the mobile phone access commercial circle trade company of client or using iBeacon Afterwards, Mobile banking app automatically turns on LBS detection；Intelligent terminal (such as intelligent video camera head, wireless POS machine, the terminal computer of trade company Deng) LBS service is utilized to obtain the client close to itself, and communication connection is established with the Mobile banking app of client；

Step P5, the intelligent terminal of trade company is according to the integral plan in advertisement chain, the integral equity (trade company recommended trade company Integral that recommended advertisements successfully obtain and) increased, opening the integral equity of recommended products to client's payment, (client's use obtains The integral obtained) increased, the total mark of advertiser is reduced, and be saved on advertisement chain and know together；Certainly, having When body is implemented, if known together successfully, just terminate process；If common recognition failure, needs to record wrong account, is manually adjusted with facilitating It is whole.

Please emphasis referring to Fig.1 shown in, a kind of preferable implementation of the marketing system based on Internet of Things finance block chain of the present invention Example, described the system comprises block chain building module, account books to establish module, integral putting module and marketing module；

The block chain building module is used between block chain participant (including bank, trade company, supervision department etc.) Two independently operated block chains, including an advertisement chain and client's chain are set up in the network architecture；In the specific implementation, The smart machine of different bank, trade company, Client handset bank app, trade company site etc. can be linked into advertisement chain and client's chain In；Wherein, for client's chain, because being related to customer information privacy, participant further includes administrative department and supervision department, the visitor Family chain is mainly tracing to the source ability and track the service condition of customer information using block chain；It is being wide for advertisement chain When integral is supplemented in announcement plan with money, trade company can according to the agreement with bank, reduced from corresponding bank account relevant amount and according to Certain proportion converts to advertisement integral；Trade network of the fund clearing net as interbank entity fund realizes between cross-bank Fund clearing, for integral supplement with money provide fund basis.

It is established in module in the account book, client's chain account book includes at least client's essential information, digital rights, client The bank product of privacy open request, customer information service condition and encryption recommends catalogue set；Wherein, the client is basic Information preservation has the basic data of client, such as the customer ID etc. that identification card number, full chain are unified；The digital rights are in block The virtual fund to circulate in chain, such as client browse and with the advertisement integral obtained after advertised product with regard to being the one of digital rights Kind；The customer privacy open request be opened an account according to client, in practical application to requirement disclosed in own customers information, it is right In disclosed information of itself being unwilling, bank and merchant end may not be usable for marketing and calculate；The customer information uses feelings Condition is used to record the service condition that customer information is analyzed by the data of different bank, trade company, can be in order to administrative department, supervision department Door and client track；The bank product recommend catalogue set be by different bank according to itself internal marketing system into Row calculates, thus obtain the Products Show catalogue of this bank that corresponding client is suitble to, and arranged with the bank and trade company Cochain after public key is encrypted just can only unlock this by related private key by the trade company of oneself alliance, this bank end equipment Data simultaneously carry out corresponding marketing operation.

The integral putting module, for establishing advertisement integral general ledger by financial block chain alliance promoter, and by advertisement Integral general ledger is stored in the account of financial block chain alliance promoter, while being carried out advertisement integral and being launched.

In the integral putting module, the advertisement integral, which is launched, specifically includes advertising plan setting unit, integrating meter Draw setting unit, advertising information common recognition unit and common recognition informing unit；

Itself is arranged in Advertising Management System for advertiser (such as bank, trade company) in the advertising plan setting unit Advertising plan, the advertising plan includes at least the advertisement release time, advertisement launches product and advertisement and is suitble to operational decision making Rule；Wherein, advertisement is suitble to operational decision making rule often based on customer information attribute, to provide actual Regularia formula, example As " last month client have proposition mention volume application success OR (or) past 12 months, all do not mention every month volume record OR client original Creditable card amount be greater than 200,000 OR clients mention volume application greater than 100,000 yuan of OR (nearest three months, what credit card occurred 3 times or more CASH ADVANCE transaction AND (and) card holder use the revolving line of credit for the first time)=POS consumption purchase 9.8 folding of iPhone ".

The integrating meter draws setting unit, fills in the integral plan of itself, institute in Advertising Management System for advertiser It states integral plan and successfully obtains integral (such as setting quotient including at least total mark (if setting total mark is 50,000), trade company's recommended advertisements 20) it is that family recommended advertisements, which are successfully obtained and integrated, and client uses and integrated (being 10 as setting client uses acquisition to integrate)； The amount of money corresponding to total mark is transferred accounts by fund clearing network simultaneously and integrates general ledger to advertisement；

In the marketing module, the orientation client marketing specifically includes the marketing of bank end and merchant end marketing；

First communication unit, for the mobile phone of client access bank outlets wifi network after, Mobile banking app Automatically turn on LBS detection；The intelligent terminal (such as intelligent number calling machine, client terminal iPAD) of bank is obtained using LBS service After entering bank outlets to client, communication connection is established with Mobile banking app automatically；

The directory information push unit, the recommended products and bank itself net in recommended products catalogue for will acquire Client's marketing strategy of point is compared, and the recommended products directory information for meeting the client is pushed to hand according to comparison result Machine bank app (certainly, if not meeting the recommended products directory information of the client, can be without push), simultaneously will The recommended products directory information of the client is also pushed to the marketer terminal of lobby manager；

The first common recognition unit, is communicated for bank's back-end server and Mobile banking app, when bank rear end takes After business device monitors that the service of recommended products is opened, recommended products that will just have been opened in corresponding recommended products catalogue Be labeled as it has been recommended that, and be saved on client's chain and know together, to prevent other sites or trade company from carrying out repeating recommendation；

Second communication unit, wifi network or utilization for the mobile phone access commercial circle trade company in client After iBeacon accesses Merchant web, Mobile banking app automatically turns on LBS detection；Intelligent terminal (such as the intelligent camera of trade company Head, wireless POS machine, terminal computer etc.) utilize LBS service to obtain the client close to itself, and built with the Mobile banking app of client Vertical communication connection；

Trade company's push unit sends to the intelligent terminal of trade company the customer ID ID of itself, quotient for Mobile banking app The intelligent terminal at family enters client's chain according to customer ID ID and obtains corresponding client's public information；The intelligent terminal of trade company utilizes certainly The private key of bank belonging to body is decrypted, and obtains the recommended products catalogue of the client, and the recommendation for being included by this trade company produces The catalogue information of bank's recommended products needed for product and the transaction of this trade company (such as opening cloud sudden strain of a muscle to pay) is pushed to mobile phone silver Row app；In this way, client is after the prompt information for receiving Mobile banking app, so that it may open Mobile banking app and read correlation Product；

The second common recognition unit, after carrying out recommended products transaction on the intelligent terminal of trade company for client, trade company Intelligent terminal and bank's back-end server carry out communication book keeping operation, and after keep accounts successfully, recommendation successful result is returned to client's Mobile banking app；Meanwhile the recommended products opened is labeled as by bank's back-end server in corresponding recommended products catalogue It has been recommended that and be saved on client's chain and know together, to prevent other trade companies from carrying out repeating recommendation.

In the marketing module, so-called open client's marketing refers to be recommended by business rule, main face To merchant end, the product of marketing includes the product data of product and bank of alliance that trade company itself needs to recommend.It is described open It is total that client's marketing specifically includes third communication unit, recommended products acquiring unit, Products Show unit, accounting unit and third Know unit；

The third communication unit, wifi network or utilization for the mobile phone access commercial circle trade company in client After iBeacon accesses Merchant web, Mobile banking app automatically turns on LBS detection；Trade company intelligent terminal (such as intelligent video camera head, Wireless POS machine, terminal computer etc.) utilize LBS service to obtain the client close to itself, and established with the Mobile banking app of client Communication connection；

The third common recognition unit, the intelligent terminal for trade company recommend trade company according to the integral plan in advertisement chain Integral equity (integral that trade company's recommended advertisements successfully obtain and) increased, the integral of recommended products is opened to client's payment Equity (client uses the integral obtained) increases, and reduces to the total mark of advertiser, and it is enterprising to be saved in advertisement chain Row common recognition；Certainly, in the specific implementation, if known together successfully, just terminate process；If common recognition failure, needs to record wrong account, It is manually adjusted with facilitating.

In conclusion the invention has the advantages that: 1, it devises advertisement chain and the mashed up formula gold of double-strand of intercommunication coexists in client's chain Tabetisol block chain can realize data sharing under heterogeneous network, including customer information, recommended products information etc. well；2, in object Orientation client marketing directly is established using block chain between networked devices and open client markets, and actual marketing can be made to become It is more accurate, conveniently, effectively；3, putting mode is integrated by the advertisement of design, it is true for can making each advertisement marketing expense What real consumption used, it can prevent events such as " cotton-padded mattress wools " from occurring；4, bank for client generate recommended products information into After entering block chain, just the data can only be unlocked by related private key and be gone forward side by side by the trade company of oneself alliance, this bank end equipment The corresponding marketing operation of row, can effectively ensure data safety.

Although specific embodiments of the present invention have been described above, those familiar with the art should be managed Solution, we are merely exemplary described specific embodiment, rather than for the restriction to the scope of the present invention, it is familiar with this The technical staff in field should be covered of the invention according to modification and variation equivalent made by spirit of the invention In scope of the claimed protection.

Claims

1. a kind of marketing method based on Internet of Things finance block chain, it is characterised in that: described method includes following steps:

Step S1, two independently operated block chains, including one are set up in the network architecture between block chain participant Advertisement chain and client's chain；

Step S3, advertisement integral general ledger is established by financial block chain alliance promoter, and advertisement integral general ledger is stored in finance In the account of block chain alliance promoter, while carrying out advertisement integral and launching；

Step S4, it is combined using Internet of Things with the block chain of foundation to be oriented client's marketing or open client battalion Pin.

2. a kind of marketing method based on Internet of Things finance block chain according to claim 1, it is characterised in that: described In step S2, client's chain account book includes at least client's essential information, digital rights, customer privacy open request, Ke Huxin The bank product for ceasing service condition and encryption recommends catalogue set；

The advertisement chain account book includes at least the advertisement release time, product is launched in advertisement, integral plan and advertisement are launched in advertisement It is suitble to operational decision making rule.

3. a kind of marketing method based on Internet of Things finance block chain according to claim 2, it is characterised in that: described In step S3, the advertisement integral, which is launched, to be specifically comprised the following steps:

Step S32, advertiser fills in the integral plan of itself in Advertising Management System, and the integral plan includes at least total product Divide, trade company's recommended advertisements successfully obtain integral and client uses and integrated；Pass through fund clearing network simultaneously for total mark The corresponding amount of money, which is transferred accounts, integrates general ledger to advertisement；

Step S33, financial block chain alliance promoter is after receiving the amount of money corresponding to total mark, according to advertiser's setting Advertising plan and integral plan upload to corresponding advertising information in advertisement chain, and wait common recognition；

4. a kind of marketing method based on Internet of Things finance block chain according to claim 2, it is characterised in that: described In step S4, the orientation client marketing specifically includes the marketing of bank end and merchant end marketing；

The bank end marketing specifically includes:

Step A1, bank calculates lead referral product using big data, while using the public key of bank itself come to calculating Lead referral product encrypted, and encrypted lead referral product is saved on client's chain and is known together；

Step A2, after the wifi network of the mobile phone access bank outlets of client, Mobile banking app automatically turns on LBS detection；Silver Capable intelligent terminal is established communication with Mobile banking app automatically and connected after being got client using LBS service and entering bank outlets It connects；

Step A3, Mobile banking app sends the customer ID ID of itself to the intelligent terminal of bank, and the intelligent terminal of bank is according to visitor Family ID enters client's chain and obtains corresponding client's public information；The intelligent terminal of bank is solved using the private key of bank itself It is close, obtain the recommended products catalogue of the client；

Step A4, client's marketing strategy of itself site of recommended products and bank in the recommended products catalogue that will acquire compares It is right, and the recommended products directory information for meeting the client is pushed to by Mobile banking app according to comparison result, while by the client Recommended products directory information be also pushed to the marketer terminal of lobby manager；

Step A5, bank's back-end server is communicated with Mobile banking app, when bank's back-end server has monitored to recommend to produce After the service of product is opened, just the recommended products opened is labeled as in corresponding recommended products catalogue it has been recommended that, and protect It is stored on client's chain and knows together；

The merchant end marketing specifically includes:

Step B1, after the wifi network of the mobile phone access commercial circle trade company of client or using iBeacon access Merchant web, hand Machine bank app automatically turns on LBS detection；The intelligent terminal of trade company obtains the client close to itself, and and client using LBS service Mobile banking app establish communication connection；

Step B2, Mobile banking app sends the customer ID ID of itself to the intelligent terminal of trade company, and the intelligent terminal of trade company is according to visitor Family ID enters client's chain and obtains corresponding client's public information；The intelligent terminal of trade company utilizes the private key of the bank belonging to itself It is decrypted, obtains the recommended products catalogue of the client, and the recommended products for being included by this trade company and exchange of this trade company The catalogue information of the bank's recommended products needed is pushed to Mobile banking app；

Step B3, after client carries out recommended products transaction on the intelligent terminal of trade company, the intelligent terminal of trade company and bank rear end Server carries out communication book keeping operation, and after keeping accounts successfully, and successful result will be recommended to return to the Mobile banking app of client；Meanwhile silver Row back-end server the recommended products opened is labeled as in corresponding recommended products catalogue it has been recommended that, and be saved in client It knows together on chain.

5. a kind of marketing method based on Internet of Things finance block chain according to claim 2, it is characterised in that: described In step S4, open client's marketing is specifically included:

Step P1, after the wifi network of the mobile phone access commercial circle trade company of client or using iBeacon access Merchant web, hand Machine bank app automatically turns on LBS detection；The intelligent terminal of trade company obtains the client close to itself, and and client using LBS service Mobile banking app establish communication connection；

Step P2, Mobile banking app sends the customer ID ID of itself to the intelligent terminal of trade company, and the intelligent terminal of trade company is according to visitor Family ID enters client's chain and obtains corresponding client's public information；Meanwhile the intelligent terminal of trade company is according to trade company ID and alliance's silver Row ID obtains corresponding trade company's recommended products and bank's recommended products from advertisement chain；

Step P3, after getting trade company's recommended products and bank's recommended products, the intelligent terminal of trade company is according in advertisement chain Advertisement is suitble to operational decision making rule, calculates the trade company's product or bank product for being suitble to the client, and carry out product by trade company Recommend；

Step P4, after client carries out recommended products transaction on the intelligent terminal of trade company, the intelligent terminal of trade company and bank rear end Server carries out communication book keeping operation, and after keeping accounts successfully, and successful result will be recommended to return to the Mobile banking app of client；

Step P5, according to the integral plan in advertisement chain, the integral equity recommended trade company increases the intelligent terminal of trade company, The integral equity for opening recommended products to client's payment increases, and reduces to the total mark of advertiser, and is saved in wide It accuses and knows together on chain.

6. a kind of marketing system based on Internet of Things finance block chain, it is characterised in that: the system comprises block chain building moulds Block, account book establish module, integral putting module and marketing module；

The block chain building module, it is independently operated for setting up two in the network architecture between block chain participant Block chain, including an advertisement chain and client's chain；

The account book establishes module, for setting up block chain account book respectively on two block chains, including client's chain account book and Advertisement chain account book；

The integral putting module for establishing advertisement integral general ledger by financial block chain alliance promoter, and advertisement is integrated General ledger is stored in the account of financial block chain alliance promoter, while being carried out advertisement integral and being launched；

The marketing module is oriented client's marketing or open for combining using Internet of Things with the block chain of foundation Formula client marketing.

7. a kind of marketing system based on Internet of Things finance block chain according to claim 6, it is characterised in that: described Account book is established in module, client's chain account book include at least client's essential information, digital rights, customer privacy open request, Customer information service condition and the bank product of encryption recommend catalogue set；

8. a kind of marketing system based on Internet of Things finance block chain according to claim 7, it is characterised in that: described It integrates in putting module, the advertisement integral is launched and specifically includes advertising plan setting unit, integrating meter draws setting unit, advertisement Information common recognition unit and common recognition informing unit；

The advertising plan of itself is arranged for advertiser in Advertising Management System for the advertising plan setting unit, described wide The plan of announcement includes at least the advertisement release time, product is launched in advertisement and advertisement is suitble to operational decision making rule；

The integrating meter draws setting unit, fills in the integral plan of itself, the product in Advertising Management System for advertiser Point plan includes at least total mark, trade company's recommended advertisements and successfully obtains integral and client using being integrated；Pass through money simultaneously The amount of money corresponding to total mark is transferred accounts and integrates general ledger to advertisement by golden Settlement Network Problem by Using；

The advertising information common recognition unit, is receiving the amount of money corresponding to total mark for financial block chain alliance promoter Afterwards, corresponding advertising information is uploaded in advertisement chain according to the advertising plan of advertiser's setting and integral plan, and waited altogether Know；

The common recognition informing unit, after knowing together successfully, financial block chain alliance promoter will know together confirmation message inform to Advertiser.

9. a kind of marketing system based on Internet of Things finance block chain according to claim 7, it is characterised in that: described In marketing module, the orientation client marketing specifically includes the marketing of bank end and merchant end marketing；

The bank end marketing specifically includes recommended products common recognition unit, the first communication unit, catalogue acquiring unit, catalogue Information push unit and the first common recognition unit；

The recommended products common recognition unit calculates lead referral product using big data for bank, while certainly using bank Encrypted lead referral product is saved in client's chain to encrypt to calculated lead referral product by the public key of body On know together；

First communication unit, for after the wifi network of the mobile phone of client access bank outlets, Mobile banking app to be automatic Open LBS detection；The intelligent terminal of bank is automatically silver-colored with mobile phone after getting client using LBS service and entering bank outlets Row app establishes communication connection；

The catalogue acquiring unit sends to the intelligent terminal of bank the customer ID ID of itself, silver for Mobile banking app Capable intelligent terminal enters client's chain according to customer ID ID and obtains corresponding client's public information；The intelligent terminal of bank utilizes silver The private key of row itself is decrypted, and obtains the recommended products catalogue of the client；

Bank's push unit, the client of the recommended products and bank itself site in recommended products catalogue for will acquire Marketing strategy is compared, and the recommended products directory information for meeting the client is pushed to Mobile banking according to comparison result App, while the recommended products directory information of the client being also pushed to the marketer terminal of lobby manager；

The first common recognition unit, is communicated for bank's back-end server and Mobile banking app, when bank's back-end server After monitoring that the service of recommended products is opened, just the recommended products opened is marked in corresponding recommended products catalogue For it has been recommended that, and be saved on client's chain and know together；

Second communication unit is connect for the wifi network of the mobile phone access commercial circle trade company in client or using iBeacon After entering Merchant web, Mobile banking app automatically turns on LBS detection；The intelligent terminal of trade company is obtained using LBS service close to itself Client, and establish communication connection with the Mobile banking app of client；

Trade company's push unit sends to the intelligent terminal of trade company the customer ID ID of itself for Mobile banking app, trade company Intelligent terminal enters client's chain according to customer ID ID and obtains corresponding client's public information；The intelligent terminal of trade company utilizes itself institute The private key of the bank of category is decrypted, and obtains the recommended products catalogue of the client, and the recommended products for being included by this trade company with And the catalogue information of bank's recommended products needed for the transaction of this trade company is pushed to Mobile banking app；

The second common recognition unit, after carrying out recommended products transaction on the intelligent terminal of trade company for client, the intelligence of trade company Terminal and bank's back-end server carry out communication book keeping operation, and after keep accounts successfully, and recommendation successful result is returned to the mobile phone of client Bank app；Meanwhile the recommended products opened is labeled as having pushed away by bank's back-end server in corresponding recommended products catalogue It recommends, and is saved on client's chain and knows together.

10. a kind of marketing system based on Internet of Things finance block chain according to claim 7, it is characterised in that: in institute It states in marketing module, open client's marketing specifically includes third communication unit, recommended products acquiring unit, Products Show Unit, accounting unit and third common recognition unit；

The third communication unit is connect for the wifi network of the mobile phone access commercial circle trade company in client or using iBeacon After entering Merchant web, Mobile banking app automatically turns on LBS detection；The intelligent terminal of trade company is obtained using LBS service close to itself Client, and establish communication connection with the Mobile banking app of client；

The recommended products acquiring unit sends to the intelligent terminal of trade company the customer ID ID of itself, quotient for Mobile banking app The intelligent terminal at family enters client's chain according to customer ID ID and obtains corresponding client's public information；Meanwhile the intelligent terminal of trade company Corresponding trade company's recommended products and bank's recommended products are obtained from advertisement chain according to trade company ID and bank of alliance ID；

The Products Show unit, for after getting trade company's recommended products and bank's recommended products, the intelligent terminal of trade company It is suitble to operational decision making rule according to the advertisement in advertisement chain, calculates the trade company's product or bank product for being suitble to the client, and Products Show is carried out by trade company；

The accounting unit, after carrying out recommended products transaction on the intelligent terminal of trade company for client, the intelligent terminal of trade company Communication book keeping operation is carried out with bank back-end server, and after keeping accounts successfully, successful result will be recommended to return to the Mobile banking of client app；

The third common recognition unit, the intelligent terminal for trade company is according to the integral plan in advertisement chain, the product recommended trade company Fraction benefit is increased, and the integral equity for opening recommended products to client's payment increases, and is carried out to the total mark of advertiser It reduces, and is saved on advertisement chain and knows together.