CN111523926B - Universal business product management method - Google Patents
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- CN111523926B CN111523926B CN202010290140.2A CN202010290140A CN111523926B CN 111523926 B CN111523926 B CN 111523926B CN 202010290140 A CN202010290140 A CN 202010290140A CN 111523926 B CN111523926 B CN 111523926B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q30/0201—Market modelling; Market analysis; Collecting market data
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0613—Third-party assisted
- G06Q30/0617—Representative agent
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- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
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- Y02P—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN THE PRODUCTION OR PROCESSING OF GOODS
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Abstract
The invention discloses a general business product management method, which comprises the following steps: s1, defining basic information of each business product and requirements of user application products; s2, defining the service of each business product; s3, defining the type of the identity identification code associated with each service product, wherein a user with the type of the identity identification code can apply for the service; s4, defining service products which can be proxied by the agent, and setting profits of the agent for different services; s5, after the user successfully applies for the business products, when each business product is used, judging whether the business can be carried out according to the business products and the service definitions, and recording the business products and the service definitions into a business table for subsequent accounting and retrieval; s6, calculating the profit of the agent from the transaction information according to the profit setting of the agent. The invention has small development workload and high system line-up speed, and is beneficial to the rapid line-up of business; the operation management workload is obviously reduced; the operation management general function is easy to upgrade, and the workload is small.
Description
Technical Field
The invention relates to the field of product management methods, in particular to a general business product management method.
Background
At present, companies in various industries can continuously push out new products, and develop markets to deal with the strong competition of the markets. The operation management system of the product generally comprises basic information and pricing of the product, information and management of the user product, management of agent products, transaction information management and the like; aiming at the gradually increased product management, part of companies can adopt a mode of continuously superposing new codes, so that development quantity is large, and the quick online of business is inconvenient; in addition, the operation management workload is obviously increased due to different function menus; and if the operation management functions of the product are to be adjusted, all the functions are modified once, so that the workload is huge.
Accordingly, the prior art has drawbacks and needs improvement.
Disclosure of Invention
The technical problems to be solved by the invention are as follows: the general business product management method is small in development workload, high in system linear speed, low in operation management workload, easy in general function upgrading and beneficial to system maintenance.
The technical scheme of the invention is as follows: a general business product management method is used for operating and managing a plurality of business products and comprises the following steps:
s1, defining basic information of each business product and requirements of user application products;
s2, defining the service of each business product;
s3, defining the type of the identity identification code associated with each service product, wherein a user with the type of the identity identification code can apply for the service;
s4, defining service products which can be proxied by the agent, and setting profits of the agent for different services;
s5, after the user successfully applies for the business products, when each business product is used, judging whether the business can be carried out according to the business products and the service definitions, and recording the business products and the service definitions into a business table for subsequent accounting and retrieval;
s6, calculating agent profit from the transaction information according to the setting of the agent profit: and after the transaction is successful, calculating the wetting information of the corresponding agent for entering the financial system agent wetting settlement flow subsequently.
By adopting the technical scheme, in the general business product management method, the basic information of the business product comprises the following steps: product name, introduction, organization, type, whether or not proxied, marketable time, and associated business product;
the requirements of the user for applying for the product include: an identification card number, a settlement card number, an identification card photograph, and a business license.
By adopting the above technical solutions, in the general service product management method, each service product includes a plurality of services, and each service may define corresponding service content: service name, service type, date available, daily transaction allowed time; defining a corresponding service rate according to the service characteristics; service limits are defined in terms of traffic characteristics.
By adopting the above technical solutions, in the general service product management method, in S3, the type of the identification code includes: tangible hardware product codes and intangible character unique codes.
By adopting the technical schemes, in the general business product management method, after the user applies for the successful business product by using the identification code, the system records the business product information of the user, the identification code information, the required data information and the corresponding service information in the business product.
By adopting the technical schemes, in the general business product management method, one user can apply for a plurality of business products: the 1 st service application is successful, and only new requirement data need to be supplemented when the 2 nd and later service products are applied; when new business product application does not need to supplement new data, the 2 nd and subsequent business product auditing can choose to pass or recheck the 2 modes directly.
By adopting the technical schemes, in the general business product management method, after a user successfully applies for a business product, when a transaction actually occurs, whether the transaction can be performed, service rate calculation and service quota judgment are controlled according to the business product and service control information corresponding to the user;
after the transaction is successful, the transaction table records business products and services used by the user for transaction, and the business products and services are used for subsequent retrieval and statistics.
By adopting the technical schemes, the invention has small development workload and high system line-up speed, and is beneficial to the rapid line-up of business; the operation management workload is obviously reduced; the operation management general function is easy to upgrade, and the workload is small.
Drawings
FIG. 1 is a block diagram of a process flow according to the present invention;
FIG. 2 is a schematic diagram of basic information example of the present invention;
FIG. 3 is a schematic diagram showing the requirements of the application product according to the present invention;
FIG. 4 is a schematic diagram of an example of service content according to the present invention;
FIG. 5 is a schematic diagram of an example of single service basic information according to the present invention;
FIG. 6 is a schematic diagram illustrating an example of service rates for a single service of the present invention;
FIG. 7 is a schematic diagram of an example service quota for a single service of the present invention;
FIG. 8 is an exemplary schematic diagram of an agent product of the present invention;
fig. 9 is a schematic diagram of an exemplary lubrication arrangement according to the present invention.
Detailed Description
The invention will be described in detail below with reference to the drawings and the specific embodiments.
The embodiment provides a business product management method for operating and managing a plurality of financial business products, but the method is also suitable for other industries, so the business product management method is a universal business product management method. As in fig. 1, the method comprises the following steps:
s1, defining basic information of each business product and requirements of user application products.
S2, defining the service of each business product.
S3, defining the type of the identification code associated with each service product, and applying the service by the user with the type of the identification code.
S4, defining service products which can be proxied by the agent, and setting profit of the agent for different services: most business products need to develop business through agent channels, different agents can proxy business products, and the distribution and wetting configuration of agents are different; as in fig. 8 and 9, for example, agent a proxies business product a and business product B; agent B takes agency of business product B and business product C, agent A after selecting the business product of agency, can define agent A's moist information and other business product relevant configuration, agent B is the same.
S5, after the user successfully applies for the business products, when each business product is used, judging whether the business can be carried out according to the business products and the service definitions, and recording the business products and the service definitions into a business table for subsequent accounting and retrieval: after a user successfully applies for a service product, when a transaction actually occurs, controlling whether the transaction can be performed, calculating service rate and judging service quota according to the service product and service control information corresponding to the user; after the transaction is successful, the transaction table records business products and services used by the user for transaction, and the business products and services are used for subsequent retrieval and statistics.
S6, calculating agent profit from the transaction information according to the setting of the agent profit: and after the transaction is successful, calculating the wetting information of the corresponding agent for entering the financial system agent wetting settlement flow subsequently.
As shown in fig. 2, basic information of a business product includes: product name, introduction, organization, type, whether or not it is brokerable, marketable time, associated business products, etc.
FIG. 3, user request for product, includes: identification card numbers, settlement card numbers, identification card photographs, business licenses, and the like.
The examples of the basic information and the requirements are only given as reference examples, and the actual business products can be adjusted according to the needs. Basic information of the business product is defined, so that a user can intuitively and quickly know the business product, and then whether the user can apply for the product or not can be judged according to the requirement of the user for applying for the product, and which products can be applied for.
The service product specifically contains contents, and the service in the service product needs to be defined, wherein the service contains a service name, available time and service type; service business attributes, service rates, service limits, etc. Each of the business products contains a plurality of services, each of which may define corresponding service content. The business products are in parallel relation, and a plurality of services in the business products are also in parallel relation. Therefore, when a certain service product needs to be modified, other service products are not changed, and similarly, when a certain service in a certain service needs to be modified, other services are not changed. Therefore, the operation management function of the business products is relatively easy to upgrade and optimize, and only one place is needed to be changed, and all business products can be upgraded and used.
As shown in fig. 4, 4 services are included in one product. As shown in fig. 5, a single service may define basic information, service name, service type, available date, daily transaction allowable time; as shown in fig. 6, corresponding service rates are defined according to service characteristics; as in fig. 7, service limits are defined in terms of traffic characteristics.
Preferably, in the step S3, the type of the identification code includes: the tangible hardware product code, such as a card, may also be an intangible character unique code, such as a string of character unique codes.
For example: the company pushes out 2 new machine products A and B (2 identity identification code types), wherein the product of the type A can open a gold package (business product 1), and the product of the type B can open a platinum package (business product 2); the gold package and the platinum package respectively contain basic business information and service contents.
In another case, the company has proposed 2 kinds of member exchange codes, including a gold exchange code and a Bai Jindui exchange code, the exchange code being a string of character unique codes, wherein the gold exchange code (identity code identification type 1) can open a gold member (business product 1); the platinum redemption code (id type 2) can open a platinum member (business product 2).
After the user applies for a successful service product by using the identification code, the system records service product information, identification code information, required information and corresponding service information in the service product of the user. One user may apply for multiple business products: the 1 st service application is successful, and only new requirement data need to be supplemented when the 2 nd and later service products are applied; when new business product application does not need to supplement new data, the 2 nd and subsequent business product auditing can choose to pass or recheck the 2 modes directly.
For example: the 1 st business is opened by the identification card number, business license and identification card photo, and the data audit is passed, so that the 1 st business application is successful. The 2 nd business is opened, the identity card number/business license is needed, and because the data submitted by the 1 st business application is checked and passed before, the 2 nd business application can be checked and passed directly, and the business selection can be made to check the application data of the 2 nd business product manually to apply successfully. If the 3 rd business product is applied, the ID card number/business license/storefront photo is needed, and the application data of 2 business products before the storefront photo is not provided, the storefront photo is needed to be supplemented as new application data, and checking is carried out.
Therefore, aiming at the business products continuously pushed out by the business departments, the general management and configuration framework in the embodiment is designed, and the new product can be put on line only by carrying out a small amount of configuration and development, thereby greatly reducing the development amount of the system and improving the product on-line speed; meanwhile, a unified management interface is designed for management, most of products can be managed on a few interfaces, and operation management difficulty is reduced.
By adopting the technical schemes, the invention has small development workload and high system line-up speed, and is beneficial to the rapid line-up of business; the operation management workload is obviously reduced; the operation management general function is easy to upgrade, and the workload is small.
The foregoing description of the preferred embodiment of the invention is not intended to be limiting, but rather is intended to cover all modifications, equivalents, and alternatives falling within the spirit and principles of the invention.
Claims (6)
1. A universal business product management method for operation management of a plurality of business products, comprising the steps of:
s1, defining basic information of each business product and requirements of user application products;
s2, defining the service of each business product;
s3, defining the type of the identity identification code associated with each service product, wherein a user with the type of the identity identification code can apply for the service;
s4, defining service products which can be proxied by the agent, and setting profits of the agent for different services;
s5, after the user successfully applies for the business products, when each business product is used, judging whether the business can be carried out according to the business products and the service definitions, and recording the business products and the service definitions into a business table for subsequent accounting and retrieval; each business product is in parallel relation; the services are also in parallel relationship; a general management and configuration framework is designed for business products pushed by a business department;
s6, calculating agent profit from the transaction information according to the setting of the agent profit: the defined agent wetting configuration is used for calculating wetting information of the corresponding agent after the transaction is successful and then entering a financial system agent wetting settlement process;
one user may apply for multiple business products: the 1 st service application is successful, and only new requirement data need to be supplemented when the 2 nd and later service products are applied; when new business product application does not need to supplement new data, the 2 nd and subsequent business product auditing can choose to pass or recheck the 2 modes directly.
2. The general business product management method according to claim 1, wherein the basic information of the business product includes: product name, introduction, organization, type, whether or not proxied, marketable time, and associated business product;
the requirements of the user for applying for the product include: an identification card number, a settlement card number, an identification card photograph, and a business license.
3. The universal business product management method of claim 2, wherein each of said business products comprises a plurality of services, each service defining corresponding service content: service name, service type, date available, daily transaction allowed time; defining a corresponding service rate according to the service characteristics; service limits are defined in terms of traffic characteristics.
4. The universal business product management method according to claim 1, wherein in S3, the type of the identification code includes: tangible hardware product codes and intangible character unique codes.
5. The general business product management method according to claim 4, wherein the system records business product information, identification code information, requirement information, and corresponding service information of the business product of the user after the user applies for a successful business product using the identification code.
6. The general business product management method according to claim 1, wherein after the user successfully applies for the business product, when the transaction actually occurs, whether the transaction can be performed, service rate calculation and service quota judgment are controlled according to the business product and service control information corresponding to the user;
after the transaction is successful, the transaction table records business products and services used by the user for transaction, and the business products and services are used for subsequent retrieval and statistics.
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| CN202010290140.2A CN111523926B (en) | 2020-04-14 | 2020-04-14 | Universal business product management method |
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