TWM606126U - Commodity information providing system - Google Patents

Abstract

A commodity information providing system includes a commodity information providing server, a loan server, and a plurality of client computers. The loan server is connected to the commodity information providing server, and the client computers are connected to the loan server to make loans through the loan server and obtain commodity information.

Description

Commodity Information Supply System

This model relates to an information providing system. Especially with regard to a commodity information providing system.

As the financial system becomes more and more sound, individuals or companies often deposit funds in banks and other financial institutions. Only a stable financial system can be competitive, deal with various potential threats, resolve financial risks, ensure financial security, and maintain currency stability.

With the current advancement of information technology, the development and application of the Internet has become increasingly popular. The world has become a digitally networked society, which can handle large and small matters through the Internet at any time, such as handling personal and company bank accounts and loan matters. People rely excessively on the Internet for various activities, but there are still many inconveniences in active Internet activities.

In particular, current bank customers can already apply for loan cases online, such as credit loans or housing loans and other related matters. From application to loan approval and subsequent guarantees and loan allocations, all can be completed online. Bank staff lack direct cooperation Face-to-face opportunities for customers, and therefore it is impossible to do integrated marketing, nor can loan customers understand relevant information. Therefore, the opportunities for bank staff to provide services to customers are reduced, and the bank’s promotion of business opportunity.

How to conveniently and effectively provide customers with understanding of the bank’s related businesses and appropriate product recommendations, so as to provide bank-related business information and services in a timely manner, will help further enhance the efficiency and ability of banks to promote related businesses.

The new content is intended to provide a simplified summary of the content of this disclosure, so that readers have a basic understanding of the content of this disclosure. This new content is not a complete overview of the present disclosure, and its intention is not to point out the important/key elements of the embodiments of the present invention or to define the scope of the present invention.

One of the purposes of this new type of content is to provide a product information providing system that can screen and provide suitable product information for online loan customers.

In order to achieve the above objective, one technical aspect of the present invention relates to a product information providing system including a product information providing server, a loan server and a plurality of client computers. The loan server is connected to the product information providing server, and the client computer is connected to the loan server to make loans through the loan server and obtain the recommended product information provided by the product information providing server.

In some embodiments, the product information providing system further includes a product management server connected to the product information providing server to provide product information required by the product information providing server.

In some embodiments, the product information providing server includes a customer Account data receiving module to receive loan customer data from the loan server.

In some embodiments, the product information providing server further includes an acquirer data receiving module connected to the customer data receiving module to receive product information from the product management server.

In some embodiments, the product information providing server further includes a product recommendation module connected to the acquirer data receiving module to provide recommended product information based on loan customer data and product information.

In some embodiments, the product information providing server further includes a recommended product data transmission module connected to the product recommendation module to transmit the recommended product information to the loan server.

In some embodiments, the loan server includes a loan application module to receive loan applications from the client computer.

In some embodiments, the loan server further includes a loan type selection module connected to the loan application module to select the loan type.

In some embodiments, the loan server further includes a loan data input module, a questionnaire data input module, and a customer data transmission module. The loan data input module is connected to the loan type selection module to input loan information, the questionnaire data input module is connected to the loan data input module to input questionnaire data, and the customer data transmission module is connected to the questionnaire data input module. To send loan customer data to the product information providing server.

In some embodiments, the loan server further includes a recommended product data receiving module and an output module. The recommended product data receiving module is connected to the customer data transmission module to receive the product information providing server The recommended product information of the recommended product data transmission module of the device, and the output module is connected to the recommended product data receiving module to output the recommended product information.

Therefore, the product information providing system disclosed in the present model can provide online customers and bank acquirers with relevant product or service information as a reference for consumption choices. In addition to increasing the opportunities for bank customers to use credit cards, it can also enhance diversified bank services Image, for the acquirer, it can also create its revenue, bank acquiring service fee income and bank deposits.

100: Commodity information provision system

110: Product information providing server

120: client computer

130: client computer

140: client computer

150: loan server

160: Commodity Management Server

210: Customer data receiving module

220: Acquirer data receiving module

230: Commodity Recommendation Module

240: Recommended product data transmission module

310: Loan Application Module

320: Loan Type Selection Module

330: Loan Data Input Module

340: Questionnaire data input module

350: Customer Data Transmission Module

360: Recommended product data receiving module

370: output module

In order to make the above and other objectives, features, advantages and embodiments of this disclosure more obvious and understandable, the description of the accompanying drawings is as follows:

Figure 1 is a schematic diagram of a commodity information providing system according to an embodiment of the present invention.

FIG. 2 is a schematic diagram of a commodity information providing server of a commodity information providing system according to an embodiment of the present invention.

FIG. 3 is a schematic diagram of a loan server of a commodity information providing system according to an embodiment of the present invention.

The following is a detailed description of the embodiments with the accompanying drawings, but the provided embodiments 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 structure and the devices produced with equal effects are all covered by this disclosure. In addition, the drawings are for illustrative purposes only, not according to the original size Drawing. To facilitate understanding, the same elements or similar elements in the following description will be described with the same symbols.

In addition, the terms (terms) used in the entire specification and the scope of the patent application, unless otherwise specified, usually have the usual meaning of each term used in this field, in the content disclosed here, and in the special content . Some terms used to describe the present disclosure will be discussed below or elsewhere in this specification to provide those skilled in the art with additional guidance on the description of the present disclosure.

In the implementation mode and the scope of the patent application, unless the article is specifically limited in the context, "a" and "the" can generally refer to a single or plural. The numbers used in the steps are only used to mark the steps for ease of description, and are not used to limit the sequence and implementation.

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

FIG. 1 is a schematic diagram of a commodity information providing system according to an embodiment of the present invention, and FIG. 2 is a schematic diagram of a commodity information providing server of the commodity information providing system. FIG. 3 is a schematic diagram of a loan server of a commodity information providing system according to an embodiment of the present invention.

First, referring to Figure 1, as shown in the figure, the product information providing system 100 includes a product information providing server 110, a plurality of client computers, such as a client computer 120, a client computer 130, and a client computer 140. A loan server 150 and a commodity management server 160. Among them, the client computer can be a personal computer, a notebook computer, a tablet The brain or any computer device does not depart from the spirit and protection scope of the present invention.

The following description takes the client computer 120 as an example. The client computer 120 is connected to the loan server 150 to use the loan server 150 to make loans and obtain product information, and the loan server 150 is connected to the product information providing server 110.

In addition, the commodity management server 160 is connected to the commodity information providing server 110 to provide commodity information required by the commodity information providing server 110. Among them, the product information can be consumer behaviors that may occur in the future according to the purpose of the loan applied for by the customer, for example, buying furniture or furnishings or home appliances after the house purchase is completed. May purchase medical services, medical aids, and related products or services such as Lohas health preservation.

In some embodiments, the product information may also include big data data on the consumption behavior of credit card customers using credit cards to conduct consumption behavior analysis to provide credit card customers with information about the bank acquirers linked to the products or services they frequently consume. It can include information about recent discounts and promotions to give bank credit card customers a reference when choosing a merchant. In addition, the product information can also include various suitable credit card application recommendations, all of which do not depart from the spirit and protection scope of the present invention.

Therefore, the product information providing system 100 can instantly provide loan applicants, bank acquirers, and other related information about products or services, which can be used as a reference for consumption choices. In addition to increasing the probability of bank customers' handling and using credit cards, it can also increase bank diversity. Service image, for acquirers It can also create its current performance such as revenue, bank acquiring business fee income and bank deposits.

In some embodiments, the product information providing server 110 includes a customer data receiving module 210 to receive loan customer data from the loan server 150.

In some embodiments, the product information providing server 110 further includes an acquirer data receiving module 220 connected to the customer data receiving module 210 to receive product information from the product management server 160.

In some embodiments, the product information providing server 110 further includes a product recommendation module 230 connected to the acquirer data receiving module 220 to perform data analysis based on loan customer data and product information, such as big data analysis And other analysis methods, provide recommended product information.

In some embodiments, the product information providing server 110 further includes a recommended product data transmission module 240 connected to the product recommendation module 230 to transmit the recommended product information to the loan server 150.

In some embodiments, the loan server 150 includes a loan application module 310 to receive loan applications from the client computer 120.

In some embodiments, the loan server 150 further includes a loan type selection module 320 connected to the loan application module 310 to select the loan type. Among them, the loan type selection module 320 may include selectors such as a house purchase loan, a wealth management working capital loan, other consumer loans, or a house pension loan.

In some embodiments, the loan server 150 further includes a loan data input module 330 connected to the loan type selection module 320 to input loan data, and a questionnaire data input module 340 connected to the loan data input module 330 to The questionnaire data is input, and a customer data transmission module 350 is connected to the questionnaire data input module 340 to transmit the loan customer data to the commodity information providing server 110. In some embodiments, the questionnaire data input module 340 can obtain further customer loan purposes by means of questionnaires, so that the product information providing system 100 can more accurately recommend products. Among them, the loan customer information can include loan information and questionnaire information.

In some embodiments, the loan server 150 further includes a recommended product data receiving module 360 connected to the customer data transmission module 350 to receive recommended products from the recommended product data transmission module 240 from the product information providing server 110 The information and output module 370 is connected to the recommended product data receiving module 360 to output recommended product information. Among them, the output module 370 can send the recommended product information to the client computer 120, or send the recommended product information to the customer by e-mail or physical mail, which does not depart from the spirit and protection scope of the present invention.

In summary, the product information providing system disclosed in this new model can provide online customer bank acquirers with relevant product or various service information as a reference for consumption choices. In addition to increasing the opportunities for bank customers to apply for and use credit cards, more It can enhance the image of the bank's diversified services, and for the acquirer, it can also create its revenue, bank acquiring service fee income, and bank deposits.

Although this disclosure has been disclosed in the above manner, it is not intended to limit the disclosure. Anyone with ordinary knowledge in the field can make various changes and modifications without departing from the spirit and scope of this disclosure. Therefore, this disclosure The scope of protection shall be subject to the scope of the attached patent application.

100: Commodity information provision system

110: Product information providing server

120: client computer

130: client computer

140: client computer

150: loan server

160: Commodity Management Server

Claims (10)

A commodity information providing system, including: A commodity information providing server; A loan server connected to the product information providing server; and A plurality of client computers are connected to the loan server to make loans through the loan server and obtain product information. The commodity information providing system as described in claim 1, further including: A product management server is connected to the product information providing server to provide the product information required by the product information providing server. The product information providing system according to claim 2, wherein the product information providing server includes: A customer data receiving module to receive loan customer data from the loan server. The product information providing system according to claim 3, wherein the product information providing server further includes: An acquirer data receiving module is connected to the customer data receiving module to receive the product information and acquirer information from the product management server. The commodity information providing system as described in claim 4, The product information providing server also includes: A product recommendation module is connected to the acquirer data receiving module to provide recommended product information based on the loan customer data and the product information. The product information providing system according to claim 5, wherein the product information providing server further includes: A recommended product data transmission module is connected to the product recommendation module to send the recommended product information to the loan server. The commodity information providing system according to claim 6, wherein the loan server includes: A loan application module to receive loan applications from the client computers. The commodity information providing system according to claim 7, wherein the loan server further includes: A loan type selection module is connected to the loan application module to select the loan type. The commodity information providing system according to claim 8, wherein the loan server further includes: A loan information input module, connected to the loan type selection module to input loan information; A questionnaire data input module connected to the loan data input module to input questionnaire data; and A customer data transmission module is connected to the questionnaire data input module to transmit the loan customer data to the product information providing server. The commodity information providing system according to claim 9, wherein the loan server further includes: A recommended product data receiving module connected to the customer data transmission module to receive the recommended product information from the recommended product data transmission module of the product information providing server; and An output module connected to the recommended product data receiving module to output the recommended product information.

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