CN111553764A - Financial product recommendation method and related device - Google Patents
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Abstract
The application provides a financial product recommendation method and a related device, which are applied to an intelligent counter in a bank. And the intelligent counter starts to recommend a proper financial product for the target object by responding to the touch operation of the target object on the financial product control provided by the intelligent counter. Because the intelligent counter can realize information interaction with the client through the near field communication technology under the condition that the client approaches the terminal equipment to the intelligent counter, the manual operation process of the client is avoided, and the efficiency of determining financial products by the client is improved. In addition, the sales-substituting financing marketing system can recommend proper financing products for the target object according to the mobile phone bank account information, so that the financing products are automatically recommended for the client, the process that the client selects from a plurality of financing products is avoided, the efficiency of determining the financing products by the client is improved, and the use experience of the client on the intelligent counter is improved.
Description
Technical Field
The application relates to the technical field of data processing, in particular to a financial product recommendation method and a related device.
Background
Along with the popularization of internet finance, the online financial management threshold is low, the rate is low, the operation is convenient, and most customers are attracted. However, the financial management is various, the thresholds are different, the customer needs to read rules in detail to judge whether the purchasing conditions are met, and energy is consumed, so that the efficiency of purchasing financial products by the customer through an intelligent counter at a bank outlet is low, the time of queuing for the customer is prolonged, and the user experience is influenced. Therefore, how to improve the efficiency of purchasing financial products by customers through intelligent counters of bank outlets is a problem to be solved urgently.
Disclosure of Invention
In order to improve the efficiency of purchasing a financial product by a customer through an intelligent counter, the application provides a financial product recommendation method and a related device.
In one aspect, an embodiment of the present application provides a financial product recommendation method, which is applied to an intelligent counter in a target bank, and the method includes:
responding to the touch operation of a target object on a financial product control provided by the intelligent counter;
acquiring mobile phone bank account information corresponding to the target object based on a near field communication technology; the mobile phone bank corresponds to the target bank;
sending the mobile phone bank account information, wherein the mobile phone bank account information is used for determining a target financing product aiming at the target object by a financing marketing center;
and receiving product information corresponding to the target financing product and displaying the product information to the target object.
In a possible implementation manner, the acquiring, based on the near field communication technology, account information of a mobile banking corresponding to the target object with respect to the mobile banking includes:
acquiring the mobile phone number of the target object based on a near field communication technology;
and if the mobile phone number is correlated with the mobile phone bank, acquiring the account information of the mobile phone bank corresponding to the target object aiming at the account information of the mobile phone bank according to the mobile phone number.
In a possible implementation manner, if the mobile phone number is associated with a mobile phone bank, before the acquiring, according to the mobile phone number, account information of the target object for the mobile phone bank, the method further includes:
acquiring a financial product set purchased by the target object in the target bank according to the mobile phone number;
and displaying the financing product set to the target object.
In one possible implementation manner, if the mobile phone number is not associated with a mobile phone bank, the method further includes:
and prompting the target object to perform identity authentication.
In one possible implementation, the identity authentication of the target object includes any one or more of the following:
the target object performs identity authentication by using the service certificate of the target object; alternatively, the first and second electrodes may be,
and the target object performs identity authentication through a biological recognition technology.
In one possible implementation manner, the step of determining the target financing product for the target object by the mobile banking account information used for the financing marketing center to sell financing marketing system comprises the following steps:
the mobile phone bank account information is used for identifying a proxy-marketing financing marketing center proxy-financing marketing system to obtain a target label aiming at a target object;
and the sales promotion center determines a target financing product aiming at the target object according to the target label.
In a possible implementation manner, the mobile banking account information includes any one or more of the following items:
identity information of the target object; alternatively, the first and second electrodes may be,
asset information stored by the target object at the target bank; alternatively, the first and second electrodes may be,
and the financing risk assessment grade corresponding to the target object.
On the other hand, the embodiment of the application provides an intelligent counter for recommending financial products, the intelligent counter comprises a response unit, an acquisition unit, a sending unit and a display unit:
the response unit is used for responding to the touch operation of the target object on the financial product control provided by the intelligent counter;
the acquiring unit is used for acquiring mobile phone bank account information corresponding to the target object based on a near field communication technology; the mobile phone bank corresponds to the target bank;
the sending unit is used for sending the mobile phone bank account information, and the mobile phone bank account information is used for determining a target financing product aiming at the target object by a brokerage financing marketing center;
and the display unit is used for receiving the product information corresponding to the target financing product and displaying the product information to the target object.
In a possible implementation manner, the obtaining unit is configured to:
acquiring the mobile phone number of the target object based on a near field communication technology;
and if the mobile phone number is correlated with the mobile phone bank, acquiring the account information of the mobile phone bank corresponding to the target object aiming at the account information of the mobile phone bank according to the mobile phone number.
In a possible implementation manner, the obtaining unit is further configured to:
acquiring a financial product set purchased by the target object in the target bank according to the mobile phone number;
and displaying the financing product set to the target object.
In one possible implementation manner, the intelligent counter further includes a prompting unit:
and the prompting unit is used for prompting the target object to perform identity authentication.
In one possible implementation, the identity authentication of the target object includes any one or more of the following:
the target object performs identity authentication by using the service certificate of the target object; alternatively, the first and second electrodes may be,
and the target object performs identity authentication through a biological recognition technology.
In one possible implementation manner, the step of determining the target financing product for the target object by the mobile banking account information used for the financing marketing center to sell financing marketing system comprises the following steps:
the mobile phone bank account information is used for identifying a proxy-marketing financing marketing center proxy-financing marketing system to obtain a target label aiming at a target object;
and the sales promotion center determines a target financing product aiming at the target object according to the target label.
In a possible implementation manner, the mobile banking account information includes any one or more of the following items:
identity information of the target object; alternatively, the first and second electrodes may be,
asset information stored by the target object at the target bank; alternatively, the first and second electrodes may be,
and the financing risk assessment grade corresponding to the target object.
In another aspect, an embodiment of the present application provides an intelligent counter for recommending financial products, where the apparatus includes a processor and a memory:
the memory is used for storing a computer program;
the processor is configured to perform the method of the above aspect according to the computer program.
In another aspect, an embodiment of the present application provides a computer-readable storage medium, where the computer-readable storage medium is configured to store a computer program, where the computer program is used for the method in the foregoing aspect.
According to the technical scheme, the financial product recommendation method provided by the embodiment of the application is applied to intelligent counters in banks. And the intelligent counter starts to recommend a proper financial product for the target object by responding to the touch operation of the target object on the financial product control provided by the intelligent counter. Because the intelligent counter can realize information interaction with the client through the near field communication technology under the condition that the client approaches the terminal equipment to the intelligent counter, the manual operation process of the client is avoided, and the efficiency of determining financial products by the client is improved. In addition, the sales-substituting financing marketing system can recommend proper financing products for the target object according to the mobile phone bank account information, so that the financing products are automatically recommended for the client, the process that the client selects from a plurality of financing products is avoided, the efficiency of determining the financing products by the client is improved, and the use experience of the client on the intelligent counter is improved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a schematic view of an application scenario of a financial product recommendation method according to an embodiment of the present application;
FIG. 2 is a schematic flow chart of a financial product recommendation method according to an embodiment of the present application;
FIG. 3 is a schematic structural diagram of a financial product recommendation device according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of another intelligent counter provided in the embodiment of the present application.
Detailed Description
In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
In order to improve the efficiency of purchasing a financial product by a customer through an intelligent counter, the application provides a financial product recommendation method and a related device. The financial product recommendation method provided by the embodiment of the application can be applied to an intelligent counter in a bank outlet. The intelligent counter is a self-service counter installed in a bank outlet, and a customer inserts an identity card or a bank card into the intelligent counter, can automatically input transaction information, and can automatically handle various non-cash services such as new card opening, card holding and signing, printing of running water, password loss reporting and the like.
A financial product recommendation method and a related apparatus provided in an embodiment of the present application are described below with reference to the accompanying drawings.
Referring to fig. 1, fig. 1 is a schematic view of an application scenario of a financial product recommendation method according to an embodiment of the present application. The application scenario shown in fig. 1 includes an intelligent counter 101, a target object handheld terminal device 102, and a server 103. The intelligent counter 101 is used for executing the financial product recommendation method provided by the embodiment of the application; a commission financing marketing system is deployed in the server 103.
As shown in fig. 1, the target object goes to a target bank to transact banking using the intelligent counter 101. After the target object performs a touch operation on the financial product control provided by the intelligent counter 101, the intelligent counter 101 starts recommending a financial product for the target object by responding to the touch operation.
Under the condition that the target object brings the terminal device 102 close to the smart counter 101, the smart counter 101 may acquire the mobile banking account information of the target object by using the near field communication technology. The mobile phone bank corresponds to a target bank where the intelligent counter 101 is located. The mobile banking account information identifies the usage of the target object for the mobile banking.
Then, the intelligent counter 101 may send the mobile banking account information of the target object to the server 103, so that the server 103 may process the mobile banking account information through a pre-deployed proxy financing marketing system, and select a financing product suitable for the target object from a plurality of financing products. After determining the target financial product, the server 103 sends the product information of the target financial product to the intelligent counter 101.
After receiving the product information of the target financial product sent by the server 103, the intelligent counter 101 displays the product information to the target object, so that the target object can check and purchase the target financial product.
Because the intelligent counter can realize information interaction with the client through the near field communication technology under the condition that the client approaches the terminal equipment to the intelligent counter, the manual operation process of the client is avoided, and the efficiency of determining financial products by the client is improved. The sales-substituting financing marketing system can recommend proper financing products for the target object according to the mobile phone bank account information, realizes automatic recommendation of financing products for the client, avoids the process of selecting the financing products by the client, improves the efficiency of determining the financing products by the client, and improves the use experience of the client on the intelligent counter.
Referring to fig. 2, fig. 2 is a schematic flow chart of a financial product recommendation method provided in an embodiment of the present application. In fig. 2, the intelligent counter in the target banking outlet is used as an execution subject, and the method includes the following steps:
s201: and responding to the touch operation of the target object on the financial product control provided by the intelligent counter.
In practical application, the intelligent counter can provide a financial product recommendation entrance for a target object in a financial product control mode through the display screen. After the target object performs touch operation on the financial product control, the intelligent counter can respond to the touch operation and start to recommend a proper financial product for the target object. The target object refers to a client handling banking business on an intelligent counter of a target bank. The touch operation of the target object on the financial product control can include but is not limited to: clicking a financial product control, a long-term-order property control and the like without any limitation.
S202: acquiring mobile phone bank account information corresponding to the target object based on a near field communication technology; and the mobile phone bank corresponds to the target bank.
In practical applications, the smart counter may prompt the target object to bring the terminal device close to a Near Field Communication (NFC) receiving module of the smart counter in a message display manner. After the target object brings the terminal device close to the NFC receiving module, the intelligent counter can acquire mobile banking account information corresponding to the target object through the NFC technology. The target object handheld terminal device refers to a terminal device supporting an NFC technology, for example, a smartphone supporting the NFC technology. The mobile phone bank account information refers to the use information of the target object for the mobile phone bank corresponding to the target bank. The mobile banking account information includes but is not limited to: identity information of the target object, e.g., name, gender, age; and/or asset information stored by the target object at the target bank; and/or the financing risk assessment grade corresponding to the target object.
The NFC technology is a technology integrated and evolved from a non-contact Radio Frequency Identification (RFID) technology and an interconnection technology, and realizes applications such as mobile payment, electronic ticketing, door control, mobile identity recognition, anti-counterfeiting, and the like by integrating functions of an induction card reader, an induction card, and peer-to-peer communication on a single chip and using a mobile terminal.
It is understood that banks can provide online banking services to customers by developing mobile banking applications (apps). The mobile banking refers to a channel mode that a bank uses a smart phone as a carrier to enable a customer to use banking services on the terminal, and also refers to a mode that the customer and the bank are connected by using a mobile phone and other mobile devices to handle related banking services or provide financial services for the customer. The mobile banking is a product and a channel, and belongs to the category of electronic banking.
In one possible approach, the smart counter may obtain Subscriber Identity Module (SIM) information of the target object based on the NFC technology, and then obtain the mobile phone number of the target object from the SIM information. After the mobile phone number and the mobile phone bank are determined to be correlated, the mobile phone bank account information corresponding to the target object can be obtained according to the mobile phone number.
If the intelligent counter inquires that the mobile phone number is not correlated with the mobile phone bank, the target object can be prompted to perform identity authentication in a message display mode. The target object may be authenticated in different ways, including but not limited to: the target object performs identity authentication by using a service certificate, wherein the service certificate may include: an identification card, a bank card transacted at a target bank, etc.; alternatively, the target object may be authenticated by biometric identification technology, such as fingerprint identification, face identification, voice print identification, etc., without any limitation.
Because the intelligent counter can realize information interaction with the client through the near field communication technology under the condition that the client approaches the terminal equipment to the intelligent counter, the manual operation process of the client is avoided, and the efficiency of determining financial products by the client is improved.
S203: and sending the mobile phone bank account information, wherein the mobile phone bank account information is used for determining a target financing product aiming at the target object by the brokering financing marketing system.
After the intelligent counter obtains the mobile phone bank account information of the target object, whether the target object purchases a financial product in a target bank or not can be inquired according to the mobile phone bank account information. If so, the intelligent counter can acquire the financial product set purchased by the target object in the target bank according to the mobile phone bank account information. If not, the intelligent counter can send the mobile phone bank account information to the commission financing marketing system, so that the commission financing marketing system can select a financing product suitable for the target object from a plurality of financing products according to the mobile phone bank account information.
In practical application, the commission financing marketing system can identify according to the mobile phone bank account information to obtain a target label aiming at a target object. And then, determining a target financing product aiming at the target object according to the target label. Wherein the target tag user identifies financing preferences for the target object. For example, if the mobile banking account information includes the financing risk assessment level L1 of the target object, the brokering and financing marketing system may determine the target tag as the financing risk assessment level L1, and find a target financing product matching the target tag among the plurality of financing products.
Because the intelligent counter can realize information interaction with the client through the near field communication technology under the condition that the client approaches the terminal equipment to the intelligent counter, the manual operation process of the client is avoided, and the efficiency of determining financial products by the client is improved.
S204: and receiving product information corresponding to the target financing product and displaying the product information to the target object.
The intelligent counter receives product information corresponding to the target financing product sent by the brokering financing marketing system, and displays the target financing product and the corresponding product information to the target object through the display screen, so that the target object can check and purchase the target financing product.
In practical application, if the intelligent counter acquires a financial product set purchased by the target object in the target bank according to the mobile phone number of the target object, the intelligent counter can directly display the financial products in the financial product set to the target object so as to facilitate the target object to purchase again.
The financial product recommendation method provided by the embodiment is applied to an intelligent counter in a bank. And the intelligent counter starts to recommend a proper financial product for the target object by responding to the touch operation of the target object on the financial product control provided by the intelligent counter. Because the intelligent counter can realize information interaction with the client through the near field communication technology under the condition that the client approaches the terminal equipment to the intelligent counter, the manual operation process of the client is avoided, and the efficiency of determining financial products by the client is improved. In addition, the sales-substituting financing marketing system can recommend proper financing products for the target object according to the mobile phone bank account information, so that the financing products are automatically recommended for the client, the process that the client selects from a plurality of financing products is avoided, the efficiency of determining the financing products by the client is improved, and the use experience of the client on the intelligent counter is improved.
For the convenience of understanding, a device for executing the financial product recommendation method provided by the embodiment of the application is described below. As shown in fig. 3, the financial product recommending device 300 includes an NFC module 301, a financial purchase record querying module 302, a client authentication module 303, a financial plan querying module 304, and an exclusive financial display module 305:
wherein the NFC module 301: and the SIM information acquisition module is arranged at the outer side of the intelligent counter and used for acquiring the SIM information of the NFC-SIM mobile phone, acquiring the mobile phone number M of the target object according to the SIM information, and sending the mobile phone number M to the financial purchase record inquiry module 302.
Financing purchase record query module 302: receiving the mobile phone number M transmitted by the NFC module 301, transmitting the mobile phone number M to a commission financing service center, inquiring whether the mobile phone number M purchases a financing product code set C, and transmitting C to a proprietary financing display module 305; if the mobile phone number M has no purchase record, the user needs to pass through the client authentication module 303.
The client authentication module 303: the system is used for confirming whether the mobile phone number of the target object is bound with the mobile phone bank, if so, searching the mobile phone bank account information of the target object, and sending the information to the financial management scheme query module 304. If not, prompting the target object to perform identity authentication. Authentication techniques include certificate of business (identification card/bank card/account password) authentication, biometric identification (iris/fingerprint/voiceprint), and the like.
Financing scheme query module 304: the method comprises the steps of receiving mobile banking account information (age, asset scale, gender, financing risk evaluation grade and the like) transmitted by a client authentication module 303, transmitting the information to a proxy financing marketing system, deducing a client financing preference label L according to the mobile banking account information, inquiring a financing product Q configured by the label L, and transmitting the Q to a proprietary financing display module 305.
Proprietary financing display module 305: c transmitted from the financing purchase record query module 302 is received and displayed in a 'next stroke' block; q is received from the financial plan query module 304 and is displayed in the block "you may like".
Aiming at the financial product recommendation method provided by the embodiment, the embodiment of the application also provides an intelligent counter for recommending financial products. As shown in fig. 4, the intelligent counter 400 includes a response unit 401, an acquisition unit 402, a transmission unit 403, and a display unit 404:
the response unit 401 is configured to respond to a touch operation of a target object on a financial product control provided by the intelligent counter;
the obtaining unit 402 is configured to obtain, based on a near field communication technology, mobile banking account information corresponding to the target object; the mobile phone bank corresponds to the target bank;
the sending unit 403 is configured to send the mobile banking account information, where the mobile banking account information is used by the surrogated financing marketing system to determine a target financing product for the target object;
the display unit 404 is configured to receive product information corresponding to the target financial product and display the product information to the target object.
In a possible implementation manner, the obtaining unit 402 is configured to:
acquiring the mobile phone number of the target object based on a near field communication technology;
and if the mobile phone number is correlated with the mobile phone bank, acquiring the account information of the mobile phone bank corresponding to the target object aiming at the account information of the mobile phone bank according to the mobile phone number.
In a possible implementation manner, the obtaining unit 402 is further configured to:
acquiring a financial product set purchased by the target object in the target bank according to the mobile phone number;
and displaying the financing product set to the target object.
In one possible implementation manner, the intelligent counter further includes a prompting unit:
and the prompting unit is used for prompting the target object to perform identity authentication.
In one possible implementation, the identity authentication of the target object includes any one or more of the following:
the target object performs identity authentication by using the service certificate of the target object; alternatively, the first and second electrodes may be,
and the target object performs identity authentication through a biological recognition technology.
In one possible implementation manner, the step of determining the target financing product for the target object by the mobile banking account information used for the financing marketing center to sell financing marketing system comprises the following steps:
the mobile phone bank account information is used for identifying a proxy-marketing financing marketing center proxy-financing marketing system to obtain a target label aiming at a target object;
and the sales promotion center determines a target financing product aiming at the target object according to the target label.
In a possible implementation manner, the mobile banking account information includes any one or more of the following items:
identity information of the target object; alternatively, the first and second electrodes may be,
asset information stored by the target object at the target bank; alternatively, the first and second electrodes may be,
and the financing risk assessment grade corresponding to the target object.
The intelligent counter for recommending financial products provided by the above embodiment starts to recommend appropriate financial products for a target object by responding to the touch operation of the target object on the financial product control provided by the intelligent counter. Because the intelligent counter can realize information interaction with the client through the near field communication technology under the condition that the client approaches the terminal equipment to the intelligent counter, the manual operation process of the client is avoided, and the efficiency of determining financial products by the client is improved. In addition, the sales-substituting financing marketing system can recommend proper financing products for the target object according to the mobile phone bank account information, so that the financing products are automatically recommended for the client, the process that the client selects from a plurality of financing products is avoided, the efficiency of determining the financing products by the client is improved, and the use experience of the client on the intelligent counter is improved.
The embodiment of the application also provides an intelligent counter for recommending financial products, the intelligent counter comprises a processor and a memory:
the memory is used for storing a computer program;
the processor is used for executing the method for recommending financial products provided by the embodiment according to the computer program.
The embodiment of the application also provides a computer readable storage medium, which is used for storing a computer program, and the computer program is used for executing the method for recommending the financial product provided by the embodiment.
It should be understood that in the present application, "at least one" means one or more, "a plurality" means two or more. "and/or" for describing an association relationship of associated objects, indicating that there may be three relationships, e.g., "a and/or B" may indicate: only A, only B and both A and B are present, wherein A and B may be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of single item(s) or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", wherein a, b, c may be single or plural.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus embodiment, since it is substantially similar to the method embodiment, it is relatively simple to describe, and reference may be made to some descriptions of the method embodiment for relevant points. The above-described apparatus embodiments are merely illustrative, and the units and modules described as separate components may or may not be physically separate. In addition, some or all of the units and modules may be selected according to actual needs to achieve the purpose of the solution of the embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The foregoing is merely a preferred embodiment of the invention and is not intended to limit the invention in any manner. Although the present invention has been described with reference to the preferred embodiments, it is not intended to be limited thereto. Those skilled in the art can make numerous possible variations and modifications to the present teachings, or modify equivalent embodiments to equivalent variations, without departing from the scope of the present teachings, using the methods and techniques disclosed above. Therefore, any simple modification, equivalent change and modification made to the above embodiments according to the technical essence of the present invention are still within the scope of the protection of the technical solution of the present invention, unless the contents of the technical solution of the present invention are departed.
Claims (10)
1. A financial product recommendation method, for use with an intelligent counter in a target bank, the method comprising:
responding to the touch operation of a target object on a financial product control provided by the intelligent counter;
acquiring mobile phone bank account information corresponding to the target object based on a near field communication technology; the mobile phone bank corresponds to the target bank;
sending the mobile phone bank account information, wherein the mobile phone bank account information is used for determining a target financing product aiming at the target object by a brokerage financing marketing system;
and receiving product information corresponding to the target financing product and displaying the product information to the target object.
2. The method according to claim 1, wherein the obtaining of the mobile banking account information corresponding to the target object based on the near field communication technology comprises:
acquiring the mobile phone number of the target object based on a near field communication technology;
and if the mobile phone number is correlated with a mobile phone bank, acquiring the mobile phone bank account information corresponding to the target object according to the mobile phone number.
3. The method according to claim 2, wherein if the mobile phone number is associated with a mobile phone bank, before the obtaining account information of the target object for the mobile phone bank according to the mobile phone number, the method further comprises:
acquiring a financial product set purchased by the target object in the target bank according to the mobile phone number;
and displaying the financing product set to the target object.
4. The method of claim 2, wherein if the phone number is not associated with a cell phone bank, the method further comprises:
and prompting the target object to perform identity authentication.
5. The method of claim 4, wherein the target object performing identity authentication comprises any one or more of:
the target object performs identity authentication by using the service certificate of the target object; alternatively, the first and second electrodes may be,
and the target object performs identity authentication through a biological recognition technology.
6. The method of claim 1, wherein the mobile banking account information being used by the brokerage financing marketing system to determine a target financing product for the target object comprises:
the mobile banking account information is used for identifying a surrogated financing marketing system to obtain a target label aiming at a target object;
and the sales promotion center determines a target financing product aiming at the target object according to the target label.
7. The method of claim 1, wherein the mobile banking account information comprises any one or more of:
identity information of the target object; alternatively, the first and second electrodes may be,
asset information stored by the target object at the target bank; alternatively, the first and second electrodes may be,
and the financing risk assessment grade corresponding to the target object.
8. An intelligent counter, characterized in that the intelligent counter comprises a response unit, an acquisition unit, a sending unit and a display unit:
the response unit is used for responding to the touch operation of the target object on the financial product control provided by the intelligent counter;
the acquiring unit is used for acquiring mobile phone bank account information corresponding to the target object based on a near field communication technology; the mobile phone bank corresponds to the target bank;
the sending unit is used for sending the mobile phone bank account information, and the mobile phone bank account information is used for determining a target financing product aiming at the target object by a commission financing marketing system;
and the display unit is used for receiving the product information corresponding to the target financing product and displaying the product information to the target object.
9. An intelligent counter, comprising a processor and a memory:
the memory is used for storing a computer program;
the processor is configured to perform the method of any one of claims 1-7 in accordance with the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium is used to store a computer program for performing the method of any of claims 1-7.
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