TWM548843U - Automatic custom marketing system - Google Patents

Abstract

An automatic custom marketing system includes an automated teller machine and a bank server. The automated teller machine includes a display, a processor, a card reader, and a network device. The processor is electrically connected to the display, the reader is electrically connected to the processor, and the network device is electrically connected to the processor. The card reader reads a user account of the financial card, the network device is connected with the bank server, the bank server provides the customized information for the user account, and the processor makes the display show the customized information.

Description

Automatic customized marketing system

The present invention relates to a computer system, and more particularly to an automated customized marketing system.

Automated Teller Machine (ATM), also known as an ATM or ATM, means that the bank sets up a small machine that uses a credit card-sized magnetic stripe card or wafer on the wafer card to record the customer's basic account. Information (usually called bank cards, or financial cards, ATM cards, etc.), allowing customers to self-service bank counter services such as withdrawals, deposits, transfers, etc. Some customers refer to such self-service machines as "cash machines". .

In addition to the traditional functions, how to automatically recommend financial card holders to special store discount information or other consumer financial offers through automated teller machine becomes an important issue.

The present invention proposes an innovative automatic teller machine that solves the problems of the prior art.

In an embodiment of the present invention, an automated customized marketing system includes an automated teller machine and a banking server. The automated teller machine includes a display, a processor, a card reader, and a network device. The processor is electrically connected to the display, the card reader is electrically connected to the processor, and the network device is electrically connected to the processor. The card reader reads the user account of the financial card, the network device is connected to the bank server, the bank server provides customized information about the user account, and the processor causes the display to present customized information.

In an embodiment of the present invention, the banking server performs constellation wealth analysis based on the date of birth in the identity data corresponding to the user account, and further provides the corresponding financial product recommendation information as a customized based on the result of the constellation wealth analysis. Information, the processor causes the display to present financial product recommendation information, and the processor is a central processing unit.

In an embodiment of the present invention, the banking server performs constellation wealth analysis based on the date of birth in the identity data corresponding to the user account, and performs customer financial analysis based on the historical transaction data corresponding to the user account, and then analyzes based on the constellation wealth analysis. As a result of the customer's financial analysis, the corresponding financial product recommendation information is provided as the customized information, the processor causes the display to present the financial product recommendation information, and the processor is the central processing unit.

In an embodiment of the present invention, the bank server performs customer financial analysis based on the historical transaction data corresponding to the user account, and provides corresponding recommendation information of the surrounding stores based on the location of the automatic teller machine and the result of the customer financial analysis. Customized information, the processor allows the display to present information about the surrounding stores, and the processor is the central processor.

In an embodiment of the present invention, the ATM further includes a column. Printing device. The printing device is electrically connected to the processor. The printing device prints customized information.

In summary, the technical solution of the present invention has obvious advantages and beneficial effects compared with the prior art. In summary, the new automatic teller machine automatically recommends financial card holders to special store discount information or other consumer financial offers.

The above description will be described in detail in the following embodiments, and further explanation of the technical solutions of the present invention will be provided.

The above and other objects, features, advantages and embodiments of the present invention will become more apparent and understood.

10‧‧‧Automatic Customized Marketing System

100‧‧‧Automatic Teller Machine

110‧‧‧ display

120‧‧‧ processor

130‧‧‧ card reader

140‧‧‧Network equipment

150‧‧‧Printing device

200‧‧‧Bank server

The above and other objects, features, advantages and embodiments of the present invention will become more apparent and understood.

1 is an architectural diagram of an automated customized marketing system in accordance with an embodiment of the present invention.

In order to make the description of the present invention more complete and complete, reference is made to the accompanying drawings and the accompanying drawings. On the other hand, well-known elements and steps are not described in the embodiments to avoid unnecessarily limiting the present invention.

In the scope of the embodiments and claims, the description of "electrical connection" refers to a component that is indirectly electrically coupled to another component through other components, or a component that is directly electrically coupled to another component without passing through other components. One component.

In the scope of the embodiments and patent applications, unless the context specifically dictates the articles, "a" and "the" may mean a single or plural.

As used herein, "about," "about," or "substantially" is used to modify the amount of any slight change, but such minor changes do not alter the nature. In the embodiment, unless otherwise stated, the error range represented by "about", "about" or "substantially" is generally allowed to be within 20%, preferably 10%. Within, and more preferably within five percent.

The technical aspect of the present invention is an automatic teller machine that can be applied in the field of financial technology or widely used in various suitable electronic commerce. The specific implementation of the ATM will be described below with reference to FIG.

Please refer to FIG. 1. FIG. 1 is a block diagram of an automated customized marketing system 10 in accordance with an embodiment of the present invention. As shown in FIG. 1, the automated customized marketing system 10 includes an automated teller machine 100 and a bank server 200. Architecturally, the automated teller machine 100 is connected to the bank server 200.

The automated customized marketing system 10 collects and analyzes the customer behavior basis, uses information technology to optimize the customer experience, and conducts instant marketing according to the customer's situation. For example, using the customer's current location, the customer's latest consumption and other information for marketing, through the bank The model of the server 200 infers the purchase probability and recommends the business that the customer likes or is interested in, and has an insight into the best combination of business promotion to accurately market through the automated teller machine 100, thereby improving customer satisfaction and contribution.

As shown in Figure 1, the automated teller machine 100 includes a display 110. The processor 120, the card reader 130, the network device 140, and the printing device 150.

In practice, the display 110 can be a touch screen or a non-touch screen, the processor 120 can be a central processing unit, a microcontroller or a processing circuit, and the card reader 130 can be a wafer card reader or other card reading device. The network device 140 can be a network card or other communication device, and the printing device 150 can be a thermal printer.

The printing device 150 is electrically connected to the processor 120, the processor 120 is electrically connected to the display 110, the card reader 130 is electrically connected to the processor 120, and the network device 140 is electrically connected to the processor 120. The network device 140 is connected to the processor 120. Connected to the bank server 200.

In use, if the user inserts the financial card into the automated teller machine 100, the card reader 130 reads the user account of the financial card, the network device 140 is connected to the bank server 200, and the bank server 200 provides customization for the user account. The information 120 (such as: horoscope, surrounding store offers, financial products, etc.), the processor 120 causes the display 110 to present customized information.

In this way, the ATM 100 can continue to use the preferential information to grasp the public's eyes when the customer withdraws money or conduct other transactions at a specific time, for example, first enters the customer distance with the horoscope, and then purchases a snack with the bank special store, and buys a snack. Send one, restaurant travel coupons or other financial products, according to the customer's attributes, when the transaction is completed accurately. The bank has a wide range of physical channels, and the ATM 100 is spread all over the Taiwanese office. It can make good use of the display 110 on the ATM 100 to timely promote the financial products of the Bank. As long as the advertisements are pushed at the right time, in addition to improving the customer experience, relevant Goods can also be effective Sales, increase bank profit and corporate image.

The bank server 200 integrates through internal and external multiple data sources, and the information covers the contents and contents including government open data, customer credit card transaction data, and geographic information system (GIS) positioning of the bank ATM 100, thereby marking the localized merchants. The characteristics and other consumer finance businesses automatically recommend suitable neighborhood bank special store consumer merchant offers and other consumer financial offers when the bank financial card cardholder goes to the ATM 100 to conduct transactions.

The bank server 200 excels in grouping customers such as financial card holders: mining, exploring, inventorying and integrating various internal data such as internal transactions and customer basic attributes, and importing external materials to specifically depict customer profiles and define customers. In the whole picture, the existing related customers are carefully grouped to gain insight into the actual needs of customers and develop differentiated marketing strategies.

The bank server 200 formulates a marketing activity plan: collects information on the special store promotion discounts and various types of consumer finance business offers, sorts and organizes, and formulates exclusive marketing activities plans according to different customer types.

The bank server 200 performs automated marketing in conjunction with the automated teller machine 100: when the bank financial card cardholder goes to the automated teller machine 100 for trading, the customer is first attracted to the horoscope, because the customer has placed the financial card in the automated teller machine 100. The bank server 200 will automatically call the exclusive offer project according to the customer attribute, and appropriately deliver various customized preferential information at the specific timing of the transaction.

Then, the bank server 200 conducts an analysis of the marketing activity results: tracking the performance of the management marketing activities, in response to customer responses, marketing activities, and The actual benefits are advanced and explored to provide recommendations for marketing activities.

In an embodiment of the present invention, the bank server 200 preloads the user database and the constellation database, whereby the bank server 200 performs constellation wealth analysis based on the date of birth in the identity data corresponding to the user account, and then based on the constellation. As a result of the fortune analysis, the corresponding financial product recommendation information is provided as the customized information, and the processor 120 causes the display 110 to present the financial product recommendation information.

For example, if the constellation database evaluates that the constellation's current day's wealth index is higher than a preset level, the bank server 200 recommends a high-reward financial product; if the constellation database evaluates the constellation's current day's wealth index below a preset level, the bank servo The device 200 recommends a guaranteed type of financial product. It should be understood that the above is merely an example, and is not intended to limit the novel. In practice, those skilled in the art should flexibly adjust the content of the customized information at that time.

Alternatively, or in addition, in an embodiment of the present invention, the bank server 200 performs constellation wealth analysis based on the date of birth in the identity data corresponding to the user account, and performs customer financial analysis based on the historical transaction data corresponding to the user account. Further, based on the results of the constellation wealth analysis and the customer financial analysis, the corresponding financial product recommendation information is provided as the customized information, and the processor 120 causes the display 110 to present the financial product recommendation information.

For example, if the constellation database evaluates that the constellation's current day's wealth index is higher than the preset level and the financial index is higher than the average customer financial index, the bank server 200 recommends high-reward financial products; if the constellation database evaluates the constellation's day's fortune Index is below preset level but financial index is higher than average customer finance Index, the bank server 200 recommends a guaranteed type of financial product. If the constellation database evaluates that the constellation's wealth index on the day is higher than the preset level but the financial index is lower than the average customer financial index, the bank server 200 recommends suitable financial products; if the constellation database evaluates the constellation, the day's wealth index is lower than the pre-predicted Set the level but the financial index is lower than the average customer financial index, and the bank server 200 recommends a suitable financial plan. It should be understood that the above is merely an example, and is not intended to limit the novel. In practice, those skilled in the art should flexibly adjust the content of the customized information at that time.

Alternatively, or in addition, in an embodiment of the present invention, the bank server 200 performs customer financial analysis based on historical transaction data corresponding to the user account, and provides corresponding information based on the location of the automated teller machine 100 and the result of the customer financial analysis. The surrounding store recommendation information is used as customized information, and the processor 120 causes the display 100 to present the recommended information of the surrounding stores.

For example, if the result of the customer financial analysis indicates that the customer's spending power is higher than the preset consumption level, the bank server 200 recommends the first group of surrounding stores, and the average consumption of the first group of surrounding stores is higher than the preset average consumption; The results of the analysis indicate that the customer's spending power is lower than the preset consumption level, and the bank server 200 recommends the second group of surrounding stores, and the average consumption of the first group of surrounding stores is lower than the preset average consumption. It should be understood that the above is merely an example, and is not intended to limit the novel. In practice, those skilled in the art should flexibly adjust the content of the customized information at that time.

In summary, the automatic ATM 100 of the present invention automatically recommends financial card holders to appropriate special store discount information or other consumer financial offers.

Although the present invention has been disclosed as above in the embodiment, it is not In order to limit the present invention, any person skilled in the art can make various changes and refinements without departing from the spirit and scope of the present invention. Therefore, the scope of protection of the present invention is defined by the scope of the appended patent application. quasi.

10‧‧‧Automatic Customized Marketing System

100‧‧‧Automatic Teller Machine

110‧‧‧ display

120‧‧‧ processor

130‧‧‧ card reader

140‧‧‧Network equipment

150‧‧‧Printing device

200‧‧‧Bank server

Claims (5)

An automatic customized marketing system, comprising: a bank server; and an automatic teller machine, comprising: a display; a processor electrically connected to the display; a card reader, electrically connecting the processor, the card reading The machine reads a user account of a financial card; and a network device electrically connected to the processor, the network device is connected to the bank server, and the bank server provides customization for one of the user accounts Information, the processor causes the display to present the customized information. The automatic customized marketing system according to claim 1, wherein the bank server performs a constellation wealth analysis based on a date of birth in one of the user accounts corresponding to the user account, and further provides a corresponding result based on the constellation wealth analysis result. The financial product recommendation information is used as the customized information, and the processor causes the display to present the financial product recommendation information, and the processor is a central processing unit. The automatic customized marketing system according to claim 1, wherein the bank server performs a constellation wealth analysis based on a date of birth in one of the user accounts corresponding to the user account, and based on the historical transaction data corresponding to the user account Go to a customer financial analysis and then based on the star As a result of the wealth analysis and the customer financial analysis, the corresponding financial product recommendation information is provided as the customized information, and the processor causes the display to present the financial product recommendation information, and the processor is a central processing unit. The automatic customized marketing system of claim 1, wherein the bank server performs a customer financial analysis based on a historical transaction data corresponding to the user account, and based on the location of the automated teller machine and the financial analysis of the customer As a result, corresponding peripheral store recommendation information is provided as the customized information, and the processor causes the display to present the surrounding store recommendation information, and the processor is a central processing unit. The automatic customized marketing system of claim 1, wherein the automated teller machine further comprises: a printing device electrically connected to the processor, the printing device printing the customized information.