TWM600898U - Gaming financial management system - Google Patents

Abstract

A gaming financial management system includes a business server and a financial commodity server. The business server is connected to a personal electronic device of a user to present a reward page. The reward page includes a plurality of reward levels. The business server selects one of the reward levels as the selected reward level according to financial history of the user. The financial commodity server is connected to the business server. The financial commodity server provides financial commodity rewards to the user according to the selected reward level.

Description

Gamification financial management system

This disclosure is about a gamified financial management system.

In traditional bank marketing, for example, bank clerk conducts verbal marketing to customers, or explains the nature of financial products, or recommends relevant pages of financial products to introduce different financial products in detail.

However, the above-mentioned traditional banking marketing methods are slightly boring as a whole, which makes it difficult for customers to concentrate, and customers also lack the motivation to purchase goods. Therefore, how to provide a financial management system that can effectively attract users is one of the issues that people in related fields want to solve.

One aspect of this disclosure is about a gamified financial management system.

According to an embodiment of the present disclosure, a gamified financial management system includes a business server electronic device and a financial commodity server electronic device. The electronic device of the business server is connected to the personal electronic device of the user to present the reward page. The reward page includes multiple reward levels. The electronic device of the business server selects one of the reward levels as the selection according to the user's financial history Reward level. The electronic device of the financial commodity server is connected to the electronic device of the business server. The financial product server electronic device provides users with financial product rewards according to the selected reward level.

In one or more embodiments, the business server electronic device includes an identity authentication module, a user database, and a processor. The identity authentication module is used to verify the identity of the user. The user database is used to record the user's financial history. The processor provides a reward page through the display device and the input device of the personal electronic device, and selects the selected reward level according to the financial history.

In some embodiments, the personal electronic device includes a personal computer, and the reward page is a web page.

In some embodiments, the personal electronic device includes a mobile electronic device, and the reward page is a mobile application.

In some embodiments, the processor is further used to set a reset time. After the gamification financial management system has experienced the reset time, the financial history and reward pages will be reset.

In some embodiments, the gamified wealth management system as described above further includes an online banking server electronic device. The electronic device of the online banking server connects the electronic device of the business server and the personal electronic device to provide users with an online banking account. Financial history includes transaction records of users using online banking accounts.

In one or more embodiments, the financial product server further includes a query unit and a fund product database, a bond product database, and an insurance product database connected to the query unit respectively.

In one or more embodiments, the business server electronic device includes a transaction authorization module, and the user executes investment transactions through the transaction authorization module.

In some embodiments, when the user reaches the selected reward level, the transaction authorization module provides commission discounts as financial product rewards.

In one or more embodiments, the reward levels include plural advanced reward levels and corresponding plural condition reward levels. After one of the conditional reward levels is selected as the selected reward level, the corresponding advanced reward level is unlocked on the reward page for selection as the selected reward level.

In summary, the gamified financial management system provided by this disclosure can increase the fun of the financial management process, and can deepen the adhesion between users and the bank, thereby expanding the opportunities for young customers.

It should be understood that the above general description and the following detailed description are further descriptions by examples, and are intended to provide further explanations for this disclosure, and should not be used to limit this disclosure.

1,21,22,23,31,32,33,34,4: Reward level

15,215,225,235,315,325,335,345,45: sub-level

100: Gamification financial management system

110: Business server electronic device

113: Identity Authentication Module

116: processor

119: User database

122: Transaction Authorization Module

130: Financial commodity server electronic device

133: Query unit

136: Bond Commodity Database

139: Fund Commodity Database

142: Insurance Product Database

150: Online banking server electronic device

153: Identity Authentication Module

156: User account

200: personal electronic device

210: display device

220: input device

I: Reward page

R ₁ , R ₂ : Route

The advantages and drawings of the present disclosure should be understood by the following embodiments and with reference to the accompanying drawings. The descriptions of these drawings are merely examples of implementations, and therefore should not be considered as limiting individual implementations or limiting the scope of disclosure of the patent application.

Figure 1 illustrates a block diagram of a gamified financial management system according to an embodiment of the present disclosure; and

FIG. 2A to FIG. 2C show multiple reward pages according to an embodiment of the present disclosure.

The following examples are listed in conjunction with the accompanying drawings for detailed description, but the provided examples are not used to limit the scope of the disclosure, and the description of the structure operation is not used to limit the order of its execution, any recombination of components The structures and the devices produced with equal effects are all covered by this disclosure. In addition, the drawings are for illustrative purposes only, and are not drawn according to the original dimensions. To facilitate understanding, the same elements or similar elements in the following description will be described with the same symbols.

Unless otherwise defined, all words (including technical and scientific terms) used herein have their usual meanings, and their meanings can be understood by those familiar with the field. Furthermore, the above-mentioned vocabulary definitions in commonly used dictionaries should be interpreted as meaning consistent with the relevant fields of this disclosure in the content of this specification. Unless specifically defined, these terms will not be interpreted as idealized or overly formal.

The terms "include", "include", "have", "contain", etc. used in this article are all open terms, meaning including but not limited to.

In this article, unless the article is specifically limited in the context, "一" and "the" can generally refer to one or more. It will be further understood that the terms "include", "include", "have" and similar words used in this article indicate the recorded features, regions, integers, steps, and operations. It does not exclude one or more other features, regions, integers, steps, operations, elements, components, and/or groups thereof described or additional.

Please refer to Figure 1. FIG. 1 shows a block diagram of a gamified financial management system 100 according to an embodiment of the present disclosure.

As shown in FIG. 1, in this embodiment, the gamified financial management system 100 includes a business server electronic device 110, a financial commodity server electronic device 130, and an online banking server electronic device 150. The business server electronic device 110 may be installed in each branch next to the head office of the bank. The business server electronic device 110 is connected to the personal electronic device 200 of the user (customer), and is used to present the reward page I (please refer to the subsequent figures 2A to 2C). The personal electronic device 200 includes a display device 210 and an input device 220 for presenting the reward page I provided by the business server electronic device 110.

In this embodiment, as shown in FIG. 1, the business server electronic device 110 includes a processor 116, an identity authentication module 113, a user database 119, and a transaction authorization module 122 respectively connected to the processor 116.

The identity authentication module 113 is used to verify the identity of the user. The user executes investment transactions through the transaction authorization module 122. The user database 119 is used to record the user's financial history of investment transactions. The financial history can record the records of various financial transactions of users, including the number of transactions of users purchasing bonds, stocks, funds, insurance and other financial products, and the total value of transactions. The processor 116 can pass through the personal electronic device 200 The display device 210 and the input device 220 are provided to provide the reward page I shown in Figure 2A below. Once the user opens the reward page on the personal electronic device 200, the processor 116 can select the reward level according to the financial history recorded in the user database 119 and present it on the reward page I.

For example, the personal electronic device 200 may be a personal computer, and the reward page I is a web page. After the user logs in through the authentication of the identity authentication module 113, the reward page can be opened through a web browser. In another embodiment, the personal electronic device 200 may be a mobile electronic device such as a mobile phone, and the reward page is a mobile application (APP).

The business server electronic device 110 is connected to the financial commodity server electronic device 130. The user uses the transaction authorization module 122 to purchase financial products provided by the financial product server electronic device 130, including bonds, funds, insurance, and so on.

As shown in Figure 1, in this embodiment, the financial product server includes a query unit 133 and a bond product database 136, a fund product database 139, and an insurance product database 142 connected to the query unit 133, respectively. The query unit 133 can be used to query different product data in the bond product database 136, the fund product database 139, and the insurance product database 142. In some embodiments, when the user reaches the selected reward level, the transaction authorization module 122 may also provide a discount on handling fees as a financial product reward.

In addition, when the selected level selected according to the wealth management history is displayed on the reward page I, the financial product server electronic device 130 can provide the user with financial product rewards according to the selected reward level. These ones Financial product rewards include discounts on financial product handling fees. The financial product server electronic device 130 is used to provide existing preferential financial products without any doubts about legality. In some embodiments, financial product rewards may be provided through transaction authorization module 122 to provide commission discounts as financial product rewards.

Further, in this embodiment, the gamified wealth management system 100 further includes an electronic device 150 of an online banking server. The online banking server electronic device 150 is connected to the business server electronic device 110, and the online banking server electronic device 150 is remotely connected to the user's personal electronic device 200. The online banking server electronic device 150 is used to provide an online banking account. The online banking server electronic device 150 includes an identity authentication module 153. After the user is authenticated, the online banking server electronic device 150 can provide the user with a user account 156. This user account 156 is a network Road bank account for users to invest in transactions. The aforementioned financial history stored in the user database 119 also includes transaction records of the user using the online bank account.

In this way, in this embodiment, the user can use the gamified wealth management system 100 to manage wealth, and obtain financial product rewards through the recorded wealth management history. Users can obtain accumulated wealth management journeys through investment transactions, and these wealth management journeys can correspond to different reward levels on the reward page I. Subsequently, the business server electronic device 110 selects the selected reward level according to the accumulated wealth management history, and provides financial product rewards according to the selected reward level. Users can follow different reward levels on the reward page I As a goal, to obtain financial product rewards and discounts from entities, enhance the fun of the investment and financial management process, and achieve the effect of game financial management.

To further explain the course of this disclosure of gamification-based financial management, please refer to Figures 2A to 2C. FIG. 2A to FIG. 2C show a plurality of reward pages I according to an embodiment of the present disclosure.

Figure 2A shows the complete bonus page I. As shown in FIG. 2A, in this embodiment, a plurality of reward levels 1, 21, 22, 23, 31, 32, 33, 34, 4, etc. are presented on the reward page I. Each reward level has a different name, but this disclosure is not limited to this. In this embodiment, the name of the reward level 1 is potential wealth management VIP. The name of the reward level 21 is insurance talent. The name of the reward tier 22 is Risk Management Expert. The name of the reward level 23 is the Actuarial Master. The name of the reward level 31 is investment elite. The name of the reward level 32 is professional financial managers. The name of the reward level 33 is Credit Strategy Expert. The name of the reward level 34 is the financial master of financial management. The name of reward level 4 is the top VIP of financial management. Different names actually correspond to different types of financial management processes. Users can unlock different reward levels in sequence through different types of financial management processes.

Further, in this embodiment, each reward level includes multiple sub-levels. Specifically, reward level 1 includes sub-level 15. The reward level 21 includes sub-levels 215. The reward level 22 includes sub-levels 225. The reward level 23 includes sub-levels 235. The reward level 31 includes sub-levels 315. The reward level 32 includes sub-levels 325. The reward level 33 includes sub-levels 335. The reward level 34 includes sub-levels 345. Reward level 4 includes sub-level 45. On the reward page I, each reward The sub-levels of the level are represented by stars. For example, reward level 1 includes three sub-levels 15.

For example, the name of reward level 1 is Potential Wealth Management VIP, and it has three sub-levels 15, and these three sub-levels 15 respectively represent the user's financial history and must meet the following three conditions in order: open a wealth management account; Open a wealth management account and apply for online banking; open a wealth management account, apply for online banking, and apply for mobile online banking. The accumulation of the user's financial history corresponds to the progress of the completion of the sub-level 15. At the same time, the reward level 1 stars on the reward page I will gradually fill up. As shown in Figure 2C, when three sub-levels 15 are completed, three filled stars will appear on the reward page I. Corresponding to the progress of completion of sub-level 15, the business server electronic device 110 selects reward level 1 as the selected reward level to provide users with 3, 4, and 5 ATM cross-bank withdrawals/transfers free of handling fees as financial services. Commodity rewards.

In Figure 2B, it shows the display situation of the reward page I when the user's financial history has not reached any reward level. In Figure 2C, the user’s financial management process has completed three sub-levels 15, which corresponds to the reward level 1 has been completed and selected as the selected reward level, and the user is free of handling fees for ATM inter-bank withdrawal/transfer 5 As a financial commodity reward.

In addition, in this disclosure, the reward levels include plural advanced reward levels and corresponding plural conditional reward levels. When one of the conditional reward levels is selected as the selected reward level, the corresponding advanced reward level is unlocked at The reward page I is available for selection as the selected reward level. Specifically, as shown in Figures 2B and 2C, the reward level 1 is used as a conditional reward level. When the reward level 1 is completed and is used as the selected reward level, and the user obtains financial product rewards, the reward page I will appear The route R ₁ and the route R ₂ represent the unlocking of the reward level 21 and the reward level 31 as the advanced reward level. Then, the unlocked reward tier 21 and reward tier 31 can be selected as the selected reward tier. This corresponds to that after the user passes the reward level 1 level, he can then challenge the reward level 21 and reward level 31. This kind of design similar to the reward level of the game should make the user feel more interesting, and Increase willingness to invest in financial activities.

In some embodiments, it can be set that the user's financial history only needs to reach one sub-level 15 of the reward level 1, that is, the reward level 2 and the reward level 3 can be solved.

Refer to Figure 2A and Figure 2C at the same time. In Figure 2C, a route R ₁ and a route R _{2 are provided} , which correspond to two different sets of main risks to unlock from the incentive level 1 to the reward level 4. Taking route R ₁ as an example, it corresponds to the three reward levels of reward levels 21, 22, and 23. According to the names of reward levels 21, 22, and 23 displayed on the reward page I, the user should understand that it needs to be purchased Insurance financial products to unlock the level on Route R ₁ .

For the route R ₂ , it corresponds to the four reward levels 31, 32 and 33, 34. According to the names displayed on the rewards page I of reward levels 31, 32, 33, and 34, users should understand that they need to purchase other investment financial products, including bonds, funds, etc., to unlock route R ₂ Levels.

For example, as shown in FIG. 2A, in this embodiment, the details of the route R ₂ are as follows. The "bank" referred to here refers to the bank that uses the gamified wealth management system 100 disclosed in this disclosure.

The name of the reward level 31 is Investment Elite, and it has three sub-levels 315, and these three sub-levels 315 respectively represent the user’s financial history and must meet the following three conditions in order: a total of two funds are included on the watch list, Put five funds on the watch list, and a total of ten funds on the watch list. The accumulation of the user's financial history corresponds to the progress of the completion of the sub-level 315, and the stars of the reward level 31 on the reward page I will gradually fill up. Corresponding to the progress of the completion of the sub-level 315, the business server electronic device 110 can provide the user with an additional 0.01%, 0.02%, and 0.03% reduction in the handling fee of the user's fund subscription as financial product rewards.

The name of the reward level 32 is wealth management professionals, and it has three sub-levels 325, and these three sub-levels 325 respectively represent the user’s financial history and must meet the following three conditions in order: unlimited purchase of a trust wealth management fund, no Limited amount to subscribe for the second-tier trust wealth management fund, and unlimited amount to subscribe to the third-tier trust wealth management fund. The accumulation of the user's wealth management history corresponds to the progress of the completion of the sub-level 325, and the stars of the reward level 32 on the reward page I will gradually fill up. Corresponding to the progress of the completion of the sub-level 325, the business server electronic device 110 can provide the user with the fund company target conversion fee reduced by 0.01%, 0.02%, and 0.03% as financial product rewards.

The reward level 31 can also be solved to the reward level 33. The name of Reward Level 33 is Credit Strategy Expert and has three sub-levels 335, The three sub-gates 325 respectively represent that the user’s financial management history must meet the following three conditions in order: cumulative purchase of three fixed-income bonds, cumulative purchase of four, and cumulative purchase of five fixed-income bonds. The accumulation of the user's financial management history corresponds to the progress of the completion of the sub-level 335, and the stars of the reward level 33 on the reward page I will gradually fill up. Corresponding to the progress of the completion of the sub-level 335, the business server electronic device 110 can provide users with an additional 0.01%, 0.02%, and 0.03% reduction in the user's fixed-income bond subscription fee as financial commodity rewards.

The name of the reward level 34 is Finance Master and has four sub-levels 345. The first three sub-gates 345 respectively represent the user’s financial history and must meet the following three conditions in order: Cumulative purchase of approximately NT$1 million in trust wealth management funds, and cumulative purchase of approximately NT$5 million in trust wealth management funds with unlimited amounts Subscribing to the second-tier trust wealth management fund and accumulative subscription of approximately NT$10 million in trust wealth management funds respectively correspond to an additional reduction of 0.03, 0.05%, and 0.07% in the transaction fee of the subscription fund and the conversion fee of the same fund company. As for the fourth sub-level 345 of reward level 34, the design user must complete all the sub-levels of reward levels 1, 31, 32, 33 (including sub-levels 15, 315, 325, 335) and the first three sub-levels of reward level 34. 345 points, which corresponds to the user's financial course, meet all of the bonus level ₂ route 1,31,32,33,34 R. If so, the user will receive an additional reduction of 0.03%, 0.05% or 0.07% of the fixed income bond subscription fee as a financial product reward.

After completing reward level 34, reward level 4 can be unlocked. The name of the reward level 4 is the top VIP of the financial management and has four sub-levels 45. The four sub-levels 45 respectively represent that the user’s financial history must meet the following four conditions in order: Cumulative subscription is equivalent to NT$100,000 for the bank’s current quarter IPO fund products, and cumulative subscription is equivalent to NT$100,000 for the bank’s current quarter target maturity Commodities, cumulative subscriptions are approximately NT$100,000. The bank’s cumulative subscription for fixed-income bond products, discretionary funds and insurance products amounts to approximately NT$30 million, and the fixed-income bond trust principals negotiated with the authority of the head office during the period. Once, during the period, the head office has the authority to negotiate the fixed income bond trust principal three times, during the period the head office has the authority to negotiate the fixed income bond trust principal five times, and pay an additional 0.5% of the premium with a bank credit card as a financial product reward.

In some embodiments, the number of reward levels and sub-levels unlocked by the user's accumulated wealth management history may be targeted. On the reward page I, it is possible to design a cumulative ten-star reward (corresponding to the completion of ten sub-levels), and the user can withdraw/transfer money from ATM interbank for five times during the promotion period; when accumulating a 15-star reward (correspond to the completion of 15 Individual sub-gates), the user handles the foreign exchange remittance/inward remittance (handling fee + post and telecommunications fee) at the counter and only charges NT$500, and the online banking remittance (ie handling fee plus post and telecommunications charges) is the highest Only NT$350 will be charged, and a single remittance (handling fee) of online bank remittances will only be NT$130. In some implementations, it can be designed that after route R _{1 is} completed, the user's domestic consumption (including domestic websites) will be credited with an additional 1.5% credit; it can be designed that after route R _{2 is} completed, the user's overseas consumption (including overseas websites) will be credited for consumption An additional 1.5% bonus will be added. In some implementations, it is possible to design that after unlocking all reward levels, the user's online banking or mobile online banking operations are not limited to currency settlement and foreign currency, and the final transaction price is additionally discounted by 10% of the difference between the bid price and the selling price of the current sign. %. In some implementations, after unlocking the reward levels and sub-levels, users can use online banking or mobile online banking operations to settle foreign currencies without currency restrictions, and the final transaction price will be additionally discounted by the current bid and offer price difference. An additional 0.5% of the processing fee for subscribing to the bank’s funds or fixed-income bonds for any amount, an additional 1% of premiums for insurance products (payments must be made with the bank’s credit card), and five fixed-income bond negotiations with the authority of the head office.

The business server electronic device 110 can be installed in each branch of the bank's head office. Therefore, the preferential rewards are returned to the user according to the branch. The discount is provided by the branch, and special circumstances can be applied to the head office. If you want to transfer the discount to other branches, you can coordinate the split between branches or the head office. However, in principle, you can avoid rushing customers between branches. Even if you rush customers, you can know it now or in advance.

In this embodiment, the reward level content for route R ₂ is as shown above, but it is not limited to this. Banks that use the gamified wealth management system 100 can design the reward levels that users need to meet in their wealth management process according to their needs.

In some embodiments, the processor 116 of the business server electronic device 110 has to set a reset time. After the gamification financial management system 100 has been executed for a reset time, the user financial history and reward page I stored in the user database 119 are reset. For example, the financial product rewards of different reward levels on the above reward page I are used within a set discount period, and the discount period corresponds to the reset time set by the processor 116. The reset time may be in units of months, quarters, and years, and reset to zero after the end, and then restart the calculation.

In summary, this disclosure provides a gamified financial management system. The gamified financial management system combines online banking and financial commodity investment channels. By obtaining the interactive fun of reward levels (similar to task-solving and developing games), in addition to satisfying users' (customers) collecting desires, it is expected to also deepen the adhesion of users and expand opportunities for young customers. Compared with traditional bank marketing, fun games can increase the interaction between the bank and users and are easier to attract attention. This also gives users the opportunity to actively choose in exchange for discounts during their accumulated wealth management experience, and while the Bank provides customers with discounts or bargaining space, they have the opportunity to use other methods to enhance or compensate users' customer contribution. In addition, the reward page is designed to define the user’s VIP level or attributes in phases with contribution metrics, reducing the vicious bidding behavior or the chance of disturbing staff by small and medium-sized customers between different banks or between different branches of the bank, and can observe different usage Adjust or supplement other business promotion opportunities to improve sales accuracy.

Although the present disclosure has been described above with the embodiments, it is not limited to this disclosure. Anyone who is familiar with this technique can make various changes and modifications without departing from the spirit and scope of the disclosure. Therefore, the protection of this disclosure The scope shall be subject to the scope of the attached patent application.

100: Gamification financial management system

110: Business server electronic device

113: Identity Authentication Module

116: processor

119: User database

122: Transaction Authorization Module

130: Financial commodity server electronic device

133: Query unit

136: Bond Commodity Database

139: Fund Commodity Database

142: Insurance Product Database

150: Online banking server electronic device

153: Identity Authentication Module

156: User account

200: personal electronic device

210: display device

220: input device

Claims (10)

A gamified financial management system, including: A business server electronic device connected to a personal electronic device of a user to present a reward page, wherein the reward page includes a plurality of reward levels, and the business server electronic device selects the reward levels according to a wealth management history of one of the users One of them as a selected reward level; and A financial product server electronic device is connected to the business server electronic device, wherein the financial product server electronic device provides a financial product reward to the user according to the selected reward level. The gamified financial management system according to claim 1, wherein the business server electronic device further includes: An identity authentication module to verify the identity of the user; A user database for recording the financial history of the user; and A processor provides the reward page through a display device and an input device of the personal electronic device, and selects the selected reward level according to the wealth management history. The gamified financial management system according to claim 2, wherein the personal electronic device includes a personal computer, and the reward page is a web page. The gamified financial management system according to claim 2, wherein the personal electronic device includes a mobile electronic device, and the reward page is a mobile application. The gamified financial management system according to claim 2, wherein the processor is further configured to set a reset time, and after the gamified financial management system executes the reset time, reset the wealth management history and the reward page. The gamification financial management system described in claim 1, further including: An online banking server electronic device that connects the business server electronic device and the personal electronic device to provide the user with an online banking account, and the wealth management history includes the user's use of one of the online banking accounts Transaction Record. The gamified wealth management system according to claim 1, wherein the financial product server further includes a query unit and a fund product database, a bond product database, and an insurance product database respectively connected to the query unit. The gamified financial management system according to claim 1, wherein the business server electronic device includes a transaction authorization module, and the user executes an investment transaction through the transaction authorization module. The gamified financial management system according to claim 8, wherein the transaction authorization module is used to provide a commission discount as the financial product award Encourage. The gamified financial management system according to claim 1, wherein the reward levels include plural advanced reward levels and corresponding plural condition reward levels. When one of the condition reward levels is selected as the selected reward level, corresponding The advanced reward level of is unlocked on the reward page for selection as the selected reward level.

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