CN113706286A - Deposit operation system and method for user-defined deposit mode - Google Patents
Deposit operation system and method for user-defined deposit mode Download PDFInfo
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- CN113706286A CN113706286A CN202110833674.XA CN202110833674A CN113706286A CN 113706286 A CN113706286 A CN 113706286A CN 202110833674 A CN202110833674 A CN 202110833674A CN 113706286 A CN113706286 A CN 113706286A
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Abstract
The invention discloses a deposit operation system and method for a user-defined deposit mode. The deposit operation system for the user-defined deposit mode comprises: the system comprises a transaction platform server, an enterprise terminal and a bank deposit recommendation server, wherein the transaction platform server is in communication connection with the bank deposit recommendation server, the bank deposit recommendation server is in communication connection with the enterprise terminal, and the enterprise terminal is in communication connection with the transaction platform server. The method comprises the steps of obtaining user credit data, user behavior data and user transaction data of an enterprise end on a transaction platform through a bank deposit recommending server, analyzing deposit demand types of the enterprise end according to the user credit data, the user behavior data and the user transaction data, determining deposit mode information according to the deposit demand types, and sending the deposit mode information to the enterprise end.
Description
Technical Field
The invention relates to the technical field of internet finance, in particular to a deposit operation system and method for a user to define a deposit mode.
Background
Commercial banking businesses are numerous and deposit businesses are the foundries of their businesses. Deposit is a credit act by the social public to deposit funds into a bank based on trust in the bank and to draw money at any time or at a contracted time. Deposits are the most important business in the banking liability business and are a major source of commercial bank funds. Absorbing deposits are the basis on which commercial banks rely for survival and development, accounting for over 70% of the total amount of liabilities. The commercial bank can realize the asset business such as deposit and investment only by integrating the funds through the deposit business, so that the continuous expansion of the deposit business of the commercial bank is a main way for expanding the deposit and investment scale. The business volume of the deposit of the commercial bank determines the business volume of the deposit, directly determines the future profit margin income of the commercial bank and further determines the economic benefit of the commercial bank.
The existing bank provides deposit business which is usually based on the bank angle, is not based on the customer angle, has a single operation mode, is based on the internet, and carries out online deposit mode recommendation for an enterprise terminal through a bank deposit recommendation server, but the deposit modes are not customized deposit modes based on the collection of customer information, but mechanically recommend the deposit modes configured in advance by the bank deposit recommendation server to the enterprise terminal, so that the matching degree of the recommended deposit modes and the actual operation condition of the customer is poor. In order to better solve the problems, a deposit operation system and a deposit operation method for defining a deposit mode by a user are invented.
Disclosure of Invention
The invention provides a deposit operation system and method for a user-defined deposit mode, which aim to solve the problem that the matching degree of the deposit mode recommended to an enterprise end by the existing bank deposit recommending server and the actual operation condition of a client is poor.
The invention provides a deposit operation system for a user to define a deposit mode, which comprises: the system comprises a transaction platform server, an enterprise terminal and a bank deposit recommendation server, wherein the transaction platform server is in communication connection with the bank deposit recommendation server, the bank deposit recommendation server is in communication connection with the enterprise terminal, and the enterprise terminal is in communication connection with the transaction platform server;
the transaction platform server is used for providing a transaction platform for the enterprise terminal;
the bank deposit recommending server comprises: the system comprises a user data acquisition module, a transaction platform and a data processing module, wherein the user data acquisition module is used for acquiring user credit data, user behavior data and user transaction data of an enterprise end on the transaction platform; the user data analysis module is used for analyzing the deposit demand type of the enterprise terminal according to the user credit data, the user behavior data and the user transaction data; the deposit mode determining module is used for determining deposit mode information according to the deposit requirement type; the deposit mode recommending module is used for sending the deposit mode information to an enterprise terminal;
the enterprise terminal is used for accessing a trading platform provided by the trading platform server and generating user credit data, user behavior data and user trading data on the trading platform; and receiving the deposit mode information sent by the bank deposit recommending server.
With reference to the first aspect, in a first implementable manner of the first aspect, the trading platform server includes:
the registration module is used for receiving a registration request and enterprise information of an enterprise terminal, verifying the enterprise information, and registering the enterprise terminal as a trading platform member after the verification is passed;
the product publishing module is used for receiving and publishing the product supply and demand information uploaded by the enterprise terminal and generating user behavior data according to the product supply and demand information uploaded by the enterprise terminal;
the intelligent matching module is used for sending intelligent matching information to an enterprise end matched with supply and demand according to the product supply and demand information on the transaction platform;
and the member transaction module is used for realizing the transaction between the enterprise ends on the transaction platform, generating user transaction data and generating user credit data according to the credit evaluation information between the enterprise ends after the transaction.
With reference to the first implementable manner of the first aspect, in a second implementable manner of the first aspect, the enterprise information includes: the system comprises enterprise name information, enterprise location information, legal representative information, registered capital information, operation range information, operation qualification information and contact information.
With reference to the second implementable manner of the first aspect, in a third implementable manner of the first aspect, the deposit mode information includes: sales-class deposit, purchase-class deposit, logistics-class deposit, financial-class deposit, membership-class deposit, and equity storage.
In a second aspect, the present invention provides a deposit operation method for a user to define a deposit mode, including:
acquiring user credit data, user behavior data and user transaction data of an enterprise end on a transaction platform; the transaction platform server provides a transaction platform for an enterprise terminal, the enterprise terminal accesses the transaction platform provided by the transaction platform server, and user credit data, user behavior data and user transaction data are generated on the transaction platform;
analyzing the deposit demand type of the enterprise terminal according to the user credit data, the user behavior data and the user transaction data;
determining deposit mode information according to the deposit demand type;
and sending the deposit mode information to an enterprise terminal.
With reference to the second aspect, in a first implementable manner of the second aspect, the working step of the trading platform server includes:
receiving a registration request and enterprise information of an enterprise terminal, auditing the enterprise information, and registering the enterprise terminal as a transaction platform member after the auditing is passed;
receiving and releasing product supply and demand information uploaded by an enterprise terminal, and generating user behavior data according to the product supply and demand information uploaded by the enterprise terminal;
according to the product supply and demand information on the trading platform, intelligent matching information is sent to the enterprise end matched with the supply and demand;
and the transaction between the enterprise ends on the transaction platform is realized, user transaction data is generated, and user credit data is generated according to the credit evaluation information between the enterprise ends after the transaction.
With reference to the first implementable manner of the second aspect, in a second implementable manner of the second aspect, the enterprise information includes: the system comprises enterprise name information, enterprise location information, legal representative information, registered capital information, operation range information, operation qualification information and contact information.
With reference to the second implementable manner of the second aspect, in a third implementable manner of the second aspect, the deposit mode information includes: sales-class deposit, purchase-class deposit, logistics-class deposit, financial-class deposit, membership-class deposit, and equity storage.
According to the deposit operation system and method for the user-defined deposit mode, user credit data, user behavior data and user transaction data of an enterprise end on a transaction platform can be obtained through a bank deposit recommending server, the deposit requirement type of the enterprise end is analyzed according to the user credit data, the user behavior data and the user transaction data, deposit mode information is determined according to the deposit requirement type, and the deposit mode information is sent to the enterprise end.
Drawings
In order to more clearly illustrate the technical solution of the present invention, the drawings needed to be used in the embodiments will be briefly described below, and it is obvious to those skilled in the art that other drawings can be obtained according to the drawings without any inventive exercise.
FIG. 1 is a schematic diagram of a deposit operation system for a user-defined deposit mode according to the present invention;
FIG. 2 is a schematic diagram of a deposit operation system for a user-defined deposit mode according to the present invention;
FIG. 3 is a flow chart of a deposit operation method for a user-defined deposit mode according to the present invention;
FIG. 4 is a flow chart of the operational steps of the trading platform server.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be clearly and completely described below with reference to the specific embodiments of the present invention and the accompanying drawings. It is to be understood that the described embodiments are merely exemplary of the invention, and not restrictive of the full scope of the invention. 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 invention. The technical solutions provided by the embodiments of the present invention are described in detail below with reference to the accompanying drawings.
Referring to fig. 1, the present invention provides a deposit operation system for a user to define a deposit mode, including: the system comprises a transaction platform server 1, an enterprise terminal 2 and a bank deposit recommendation server 3, wherein the transaction platform server 1 is in communication connection with the bank deposit recommendation server 3, the bank deposit recommendation server 3 is in communication connection with the enterprise terminal 2, and the enterprise terminal 2 is in communication connection with the transaction platform server 1. The trading platform server 1, the enterprise terminal 2 and the bank deposit recommending server 3 can specifically realize data interaction through the internet.
The trading platform server 1 is used for providing a trading platform for an enterprise terminal. The trading platform server 1 can be built by a bank, and the trading platform server 1 can provide an internet financial platform capable of realizing online trading for an enterprise terminal. The enterprise end 2 may specifically be a desktop computer, a tablet computer, or a terminal device such as a smart phone of an enterprise, and the enterprise end 2 may register a member for the enterprise on the transaction platform and complete a transaction using the transaction platform.
As shown in fig. 2, the trading platform server 1 may specifically include:
and the resident registration module 11 is configured to receive a registration request and enterprise information of the enterprise terminal, audit the enterprise information, and register the enterprise terminal as a transaction platform member after the audit is passed. The enterprise personnel can take the terminal equipment which is provided with the transaction platform app or can access the transaction platform website as an enterprise terminal, send a registration request on a transaction platform registration interface and provide enterprise information required by registration. The trading platform server 1 receives the registration request and the enterprise information of the enterprise terminal, verifies the enterprise information, and registers the enterprise terminal as a trading platform member after the verification is passed.
In this embodiment, the enterprise information includes, but is not limited to: the system comprises enterprise name information, enterprise location information, legal representative information, registered capital information, operation range information, operation qualification information and contact information.
And the product publishing module 12 is used for receiving and publishing the product supply and demand information uploaded by the enterprise terminal and generating user behavior data according to the product supply and demand information uploaded by the enterprise terminal. The enterprise terminal can upload information of products needing to be purchased or sold to the transaction platform. The user behavior data specifically records the product supply and demand information uploading time, the product supply and demand information specific content, the product supply and demand information deletion or off-shelf operation behaviors and the like of the enterprise end on the transaction platform.
And the intelligent matching module 13 is used for sending intelligent matching information to the enterprise end matched with supply and demand according to the product supply and demand information on the transaction platform. The trading platform server 1 can recommend the enterprises with matched acquisition and marketing requirements according to the information such as the keywords, the enterprise addresses and the like of the product supply and demand information of different enterprises, and sends intelligent matching information to the enterprise ends with matched supply and demand to improve the trading success rate of the enterprises on the trading platform.
And the member transaction module 14 is used for realizing transactions between enterprise terminals on the transaction platform, and specifically, can realize conventional functions in online transactions including online payment, logistics application and the like. The member transaction module 14 may also generate user transaction data, which in turn generates user credit data based on credit rating information between the enterprise ends after the transaction. The user transaction data may specifically include a transaction order number, a transaction object, a transaction product, a transaction amount, a transaction result, and the like of the enterprise on the transaction platform. After the transaction of the enterprise on the transaction platform is successful, the credit mutual evaluation can be carried out on the transaction platform, and the user credit data can be generated according to the data of the credit mutual evaluation.
The bank deposit recommending server 3 may specifically include: the user data obtaining module 31 is configured to obtain user credit data, user behavior data, and user transaction data of an enterprise on the transaction platform. And the user data analysis module 32 is used for analyzing the deposit demand type of the enterprise end according to the user credit data, the user behavior data and the user transaction data. For example, if a business has more sales-type transactions on the transaction platform recently, the deposit requirement type of the business can be considered as sales-type deposit. In recent years, if more purchasing transactions of enterprises occur on a transaction platform, the deposit demand type of the enterprise can be considered as purchasing deposit. In recent years, when more logistics transactions of enterprises occur on a transaction platform, the deposit demand type of the enterprise can be considered as logistics deposit and the like.
And a deposit mode determining module 33, configured to determine deposit mode information according to the type of the deposit demand. And the deposit mode recommending module 34 is used for sending the deposit mode information to the enterprise side. In this embodiment, the deposit mode information corresponds to the type of the deposit requirement of the enterprise, and may include: sales class deposit, purchase class deposit, logistics class deposit, financial class deposit, membership class deposit, and equity store, among others.
The enterprise end 2 is used for accessing a trading platform provided by the trading platform server and generating user credit data, user behavior data and user trading data on the trading platform; and receiving the deposit mode information sent by the bank deposit recommending server.
As can be seen from the above embodiments, the deposit operation system with the user-defined deposit mode of the invention can obtain the user credit data, the user behavior data and the user transaction data of the enterprise end on the transaction platform through the bank deposit recommending server, analyzing the deposit demand type of the enterprise end according to the credit data of the user, the behavior data of the user and the transaction data of the user, determining deposit mode information according to the deposit requirement type, sending the deposit mode information to an enterprise terminal, compared with the mode that the deposit mode which is configured in advance by the traditional bank deposit recommending server is recommended to the enterprise end, the matching degree of the recommended deposit mode and the actual operation condition of the client is obviously improved, therefore, a self-adaptive and self-defined deposit mode realized according to the user credit data, the user behavior data and the user transaction data is generated for the user, and more funds can be attracted.
Referring to fig. 3, based on the above deposit operation system with the user-defined deposit mode, the present invention further provides a deposit operation method with the user-defined deposit mode, an execution subject of the method is a bank deposit recommendation server, and the method includes:
step S301, user credit data, user behavior data and user transaction data of an enterprise end on a transaction platform are obtained; the transaction platform server provides a transaction platform for the enterprise terminal, the enterprise terminal accesses the transaction platform provided by the transaction platform server, and user credit data, user behavior data and user transaction data are generated on the transaction platform.
Step S302, the deposit demand type of the enterprise end is analyzed according to the user credit data, the user behavior data and the user transaction data.
Step S303, determining deposit mode information according to the deposit requirement type.
And step S304, sending the deposit mode information to the enterprise terminal.
Referring to fig. 3, the working steps of the trading platform server include:
and S401, receiving the registration request and the enterprise information of the enterprise terminal, auditing the enterprise information, and registering the enterprise terminal as a trading platform member after the auditing is passed.
Step S402, receiving and releasing the product supply and demand information uploaded by the enterprise terminal, and generating user behavior data according to the product supply and demand information uploaded by the enterprise terminal.
And S403, sending intelligent matching information to enterprise terminals matched with supply and demand according to the product supply and demand information on the transaction platform.
Step S404, the transaction between the enterprise terminals on the transaction platform is realized, user transaction data are generated, and user credit data are generated according to the credit evaluation information between the enterprise terminals after the transaction.
Specifically, the enterprise information includes enterprises including: the system comprises enterprise name information, enterprise location information, legal representative information, registered capital information, operation range information, operation qualification information and contact information.
Specifically, the deposit pattern information includes: sales-class deposit, purchase-class deposit, logistics-class deposit, financial-class deposit, membership-class deposit, and equity storage.
The embodiment of the invention also provides a storage medium, and the storage medium stores a computer program, and the computer program is executed by a processor to realize part or all of the steps of the deposit operation method of the user-defined deposit mode provided by the invention. The storage medium may be a magnetic disk, an optical disk, a Read-only memory (ROM) or a Random Access Memory (RAM).
Those skilled in the art will readily appreciate that the techniques of the embodiments of the present invention may be implemented as software plus a required general purpose hardware platform. Based on such understanding, the technical solutions in the embodiments of the present invention may be essentially or partially implemented in the form of a software product, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments.
The same and similar parts in the various embodiments in this specification may be referred to each other. The above-described embodiments of the present invention should not be construed as limiting the scope of the present invention.
Claims (8)
1. A deposit operation system for a user-defined deposit mode, comprising: the system comprises a transaction platform server, an enterprise terminal and a bank deposit recommendation server, wherein the transaction platform server is in communication connection with the bank deposit recommendation server, the bank deposit recommendation server is in communication connection with the enterprise terminal, and the enterprise terminal is in communication connection with the transaction platform server;
the transaction platform server is used for providing a transaction platform for the enterprise terminal;
the bank deposit recommending server comprises: the system comprises a user data acquisition module, a transaction platform and a data processing module, wherein the user data acquisition module is used for acquiring user credit data, user behavior data and user transaction data of an enterprise end on the transaction platform; the user data analysis module is used for analyzing the deposit demand type of the enterprise terminal according to the user credit data, the user behavior data and the user transaction data; the deposit mode determining module is used for determining deposit mode information according to the deposit requirement type; the deposit mode recommending module is used for sending the deposit mode information to an enterprise terminal;
the enterprise terminal is used for accessing a trading platform provided by the trading platform server and generating user credit data, user behavior data and user trading data on the trading platform; and receiving the deposit mode information sent by the bank deposit recommending server.
2. A deposit operation system of a user-defined deposit mode according to claim 1, wherein the transaction platform server comprises:
the registration module is used for receiving a registration request and enterprise information of an enterprise terminal, verifying the enterprise information, and registering the enterprise terminal as a trading platform member after the verification is passed;
the product publishing module is used for receiving and publishing the product supply and demand information uploaded by the enterprise terminal and generating user behavior data according to the product supply and demand information uploaded by the enterprise terminal;
the intelligent matching module is used for sending intelligent matching information to an enterprise end matched with supply and demand according to the product supply and demand information on the transaction platform;
and the member transaction module is used for realizing the transaction between the enterprise ends on the transaction platform, generating user transaction data and generating user credit data according to the credit evaluation information between the enterprise ends after the transaction.
3. A deposit operation system of a user-defined deposit mode according to claim 2, wherein the enterprise information includes: the system comprises enterprise name information, enterprise location information, legal representative information, registered capital information, operation range information, operation qualification information and contact information.
4. A deposit operation system of a user-defined deposit pattern according to claim 3, wherein the deposit pattern information includes: sales-class deposit, purchase-class deposit, logistics-class deposit, financial-class deposit, membership-class deposit, and equity storage.
5. A deposit operation method for a user-defined deposit mode is characterized by comprising the following steps:
acquiring user credit data, user behavior data and user transaction data of an enterprise end on a transaction platform; the transaction platform server provides a transaction platform for an enterprise terminal, the enterprise terminal accesses the transaction platform provided by the transaction platform server, and user credit data, user behavior data and user transaction data are generated on the transaction platform;
analyzing the deposit demand type of the enterprise terminal according to the user credit data, the user behavior data and the user transaction data;
determining deposit mode information according to the deposit demand type;
and sending the deposit mode information to an enterprise terminal.
6. A deposit operation method of a user-defined deposit mode according to claim 5, wherein the operation step of the transaction platform server includes:
receiving a registration request and enterprise information of an enterprise terminal, auditing the enterprise information, and registering the enterprise terminal as a transaction platform member after the auditing is passed;
receiving and releasing product supply and demand information uploaded by an enterprise terminal, and generating user behavior data according to the product supply and demand information uploaded by the enterprise terminal;
according to the product supply and demand information on the trading platform, intelligent matching information is sent to the enterprise end matched with the supply and demand;
and the transaction between the enterprise ends on the transaction platform is realized, user transaction data is generated, and user credit data is generated according to the credit evaluation information between the enterprise ends after the transaction.
7. A deposit operation method for a user-defined deposit mode according to claim 6, wherein the enterprise information includes: the system comprises enterprise name information, enterprise location information, legal representative information, registered capital information, operation range information, operation qualification information and contact information.
8. A deposit operation method of a user-defined deposit mode according to claim 7, wherein the deposit mode information includes: sales-class deposit, purchase-class deposit, logistics-class deposit, financial-class deposit, membership-class deposit, and equity storage.
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